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Mutual Funds - Moneymindz - India's First Free Online Financial Advisory Portal

Mutual Funds – Moneymindz – India’s First Free Online Financial Advisory Portal

According to Mr.Kadam, an economist finding Mutual Fund is not easy.He sets up the mutual fund in four different strategic.

They are as follow:

1  Returns.
2  Fund Style.
3  Moving Average.
4  Expense Ration.

We run 90 million simulations before suggesting the right asset allocation. The only Mutual Fund behind Science is To select the best performing mutual fund, there are many different parameters under the same.

There are two ways of Analysis Qualitative and Quantitative.

In a mutual fund, the market prices reflect over holdings related to expenses and management fees. In different industry sectors, there is pool money from different individuals and organization to invest in assets, bonds, and stocks.

The fund of the company units the whole buy of a fractional fund, through the broker. The value of money is important to define the various form of action with the small means and limited knowledge, that would be profitable in the decision of investment. In stocks, you get the invest for bonds.

Times were the balance funds gets converted into bonds and stocks, some become aggressive due to unchanging of the fund that would be mutual. The management has some time, the mutual expectations with the real value to achieve.

The shareholders happen to achieve the goals that are bonded internally. Through this, they can meet the different measures of the mutual fund. There are funds to stay open in different moves, depending on the sponsor in the market and sell the fund at biggest asset many times.thus, the funds stay at an open note. Unfortunately, the management companies due to investments go with uninspired results.

After the view of the economists, we can get rid of the mutual fund in an easy through decide with the shareholders and different the funds.In improving the comparative data, with the help of money mind, the manager’s career discloses the record of the mutual funds, with the asset of competing it.

At money minds, you would get the investors, according to the comfort of the funds directed. The shareholders, the financial advisers give you disclosure in other mutual benefits, to get deeply different from other funds, Visit Money minds. Hence, Mutual Funds continue to be the most cost-effective means of investing.

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People in India do not have complete information about the health insurance. Furthermore, people in India make mistake of not selecting good health insurance plans. However, some do not make any mistake in selecting good health insurance schemes.

Most of them feel that it requires lot of documentation. Some of them get irritated hearing the term “Health Insurance”. Bad experience from your close friends/relatives about health insurance forces you to ignore health insurance.

You need to take up a good  insurance policy in India. This is done to protect yourself, interest of your family/promote their welfare. Furthermore, various kinds of health related problems can take place, if you ignore good health insurance in India.

Some of the common mistakes made by the people in India are as follows:

Assuming You Are Healthy, Ignore Insurance: Imagine the fact that you are well settled and your personal and professional life is on track. You consider yourselves healthy and boast about it in front of your friends/relatives. You ignore the calls from health insurance agencies offering good insurance claims. It will not work out, when you suffer from major health related issues.

Also Read : Find The health Insurance plan that fits you best !

Not Reading Policy Booklet: People do not read the policy booklet, relating to health insurance. Forget to see the list of network hospitals in the neighbourhood. Some insurance companies could limit the rentals for hospital room up-till one percent of sum assured.

For example: Mr. Iyer got hospitalized for a major surgery. Sum assured is approx INR 2 lakhs, insurance company will only pay INR 2000 per day towards the room charges. Mr. Iyers family will have to pay the remaining payment. Please do read about the co-payment clause in the insurance document.

Going By Low Premiums: People in India love to save lot of money and end up selecting a health insurance in India with low premiums. It actually depends on your personal taste and liking. A normal person with extremely good health in India goes for health insurance with low premiums. If you have health related issues, then select a plan with huge facilities to offer protection.

Not Adding Kids: Most of the policyholders in India make the mistake of not adding kids in their insurance. So, when kids/children suffer from any disease, parents run for cover.

Depending On Company Offered Health Insurance: Most of the health insurance in India is not customized to your requirement. So, when employer takes health insurance on your behalf, it will not satisfy your requirements. You are left un-protected. The moment you lose the job, you feel dejected. Please make sure that you have an independent health insurance, covering you and your family under one umbrella.

Also Read : Why To Purchased Life Insurance “Tale”

Not Going For Renewals: Thanks to fast paced life, you forget the fact that you have health insurance and needs to be renewed. You must go ahead and review your health insurance policy. Furthermore, you must check various quality of the plan. You need to keep track of the new products available in health insurance.

Starting Health Insurance Late: Many people do not give importance to health insurance. If you take health insurance, when you are young, you will not be covered for pre-existing diseases. This will encourage person to go for cheaper cover with no-claim bonuses.

Hence, be diligent, health insurance is the ultimate saver in bad times. Make sure that your plan is suiting you well. People must decide whether they need health insurance or not.

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Hospital bills for very small to considerably large ailments are a pain. It’s difficult to meet such costs on our own without burning a hole in our savings. Also, with medical costs escalating, some even compromise on quality healthcare, because of affordability. It is then that the importance of health insurance comes into the picture.

Health Insurance provides us with the ability to afford better healthcare facilities for ourselves and our loved ones. What’s more, you can also enjoy tax benefits

Understanding the concept of health insurance Health Insurance in India, popularly known as med claim, is nothing but an Insurance which covers expenses related to necessary Hospitalization due to a Sickness or an Accidental Injury.

Let Take a example of advantage of health insurance which I personal got encourage to have an health insurance.

A few years ago, my friend Tia had just completed her PGDM and was working as an intern at a Digital marketing firm .Her husband had a job at an accounting firm, and it actually paid, but not much. They were struggling to get by, but they decided to splurge on a nice night out—dinner, dancing, that sort of thing. Tia wanted a new dress for the occasion, so I went to the mall with her in search of some good sales. We were going down the stairs when she tripped and fell—CRACK!

At first I thought she’d broken her ankle, but it wasn’t that. It was her tooth. Her front tooth. She looked at me, this terrified expression on her face, and there was a big gap right where that front tooth should have been.

She started crying. a really. She was sure she’d have to walk around like that for months, maybe longer, because she couldn’t afford to fix it. I took her home, and her husband laughed and told her it was OK. Tia got mad at him. Her tears stopped, and her face turned red with rage. I thought she might leave him. But then he explained that it was OK because he’d purchased Health insurance a few months ago. He thought he’d told her.

Maybe he’d forgotten to tell her, or maybe she just didn’t remember. It didn’t matter. She was so relieved. She started crying again, but this time they were happy tears. She called the dentist immediately. I’m surprised the receptionist could understand through all the blubbering, but got an appointment for the next day. The tooth was fixed, at almost no cost to her thanks to the insurance, and she went on a lovely date with her husband.

Or this:

I knew a woman who damaged her front tooth. She was really happy to have Health insurance.
So get a Health insurance and protect your family from uncertainties.

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Health insurance needs vary from person to person and largely depend on the age and lifestyle of the individual. People often ignore post-hospitalisation expenses, which can be higher than hospitalisation, while buying a health insurance plan. Choosing between indemnity and defined health insurance is often the talking point for health insurance seekers. 

Indemnity-based and defined benefit plans:

Indemnity-based health insurance plans are those which offer coverage and eventual repayment of expenses incurred during hospitalisation as per the selected health insurance plan. Defined benefit plans offer a pre-defined lump sum payout for a particular disease, irrespective of any pre- or post hospitalisation expenses.

Common examples of indemnity based health insurance plans are Mediclaim policies or family floater plans while critical illness plans or disease specific plans are examples of defined benefit health insurance plans.

Comparing the two plans:

The money can be used towards pre- and post hospitalisation expenses. A diagnosis report signed by a medical specialist must be submitted for availing lump sum payout for such a plan.

On the downside, indemnity plans have a deductible clause which means that policyholder has to cover for some percentage of the hospitalisation expenses. Cost of post-operative care and medication is excluded in indemnity health plans.

Defined health benefit plans usually offer a cap on hospital cash cover. So, if a policyholder opts for a defined health benefit plan, the payout per day will be as per the stipulated limit irrespective of the amount spent by the policyholder during hospital stay.

Choosing between the two

Both the plans have their advantages and choosing between the two must be correlated as per the individual health needs of a policy seeker.

For example, if someone has a high risk of specific ailments that run in the family, a defined benefit plan may be the right choice along with an indemnity insurance plan to make for a comprehensive health cover.

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One of the most important roles of a father is to plan for the financial future of the family, and ensure there are adequate funds for children’s education, marriage, etc. Most Indian fathers look into financial planning in unorganized and traditional ways. Here’s some help on getting them organized, so that they lead a happy and independent retired life.

 ➡ Compute cash-flow statement:

The cash-flow statement calculates the income and expenses. This statement shows the savings on hand at the end of every month. These savings can further be utilized in investments. After analyzing the statement your dad can control unnecessary expenses every month. It can be used as a reference to compare flow of cash on a month-on-month basis. Keeping this record handy makes it easier to analyze the financial situation at the end of the year. Suppose your father is not tech savvy then give him a print format to fill details and maintain records. You should add this information in an Excel sheet and compute this statement at the end of every month.

 ➡ Looking into debt management:

Your father would have taken loans at various stages of his life, i.e., home loan, car loan, education loan, etc. You can help him by compiling the Equated Monthly Instalments (EMI) of various loans he is paying. Calculate the time-line to pay off each loan. This gives him a better clue on how much he needs to earn and save to pay off these debts.

 ➡ Analyze retirement solutions:

During his life he would have saved his earnings in various retirement products for a secure retired life. These products would be pension schemes, provident funds, etc. Assist him to know the savings in each instrument till date. Calculate whether these savings are meeting his expenses and goals for a happy retired life. You should consult a professional financial planner for further assistance and advice in retirement planning.

 ➡ Analyze insurance deeds:

The rising inflation nowadays is impacting medical costs. So it’s a must to have medical insurance coverage for all family members. Maintain a record of each medical policy with its coverage and premium paying dates, so that he renews the policy on time and it doesn’t lapse. Also, analyze the life insurance policy of your dad. If there is short fall in the sum assured then recommend him to increase the sum assurance in this policy while renewing to secure family expenses and pay-off of debts in any unfortunate event.

 ➡ Maintain a record of investments:

It’s very common among the older generation to invest the amount in fixed deposits for certain time-frame then forget to withdraw or renew when the term gets over. Also, they don’t maintain proper records while investing in equity. Explain the importance of maintaining records of investments and tracking the performance of all investment products.

Further, if you have the skills then analyse the investment decisions considering risk appetite and goals. Also, explain the asset allocation and performance of these investment products time to time. Alternately, recommend a financial planner to look into investment planning decisions. They can guide your father to achieve set goals in the prescribe time-frame.

 ➡ The importance of estate and succession planning:

Explain to your father the importance of estate and succession planning by arranging a meeting with a lawyer. This professional would frame an estate and succession plan based on the inputs and recommendations from your father.

 ➡ Maintain one point of reference:

Most fathers in India don’t maintain a single one point of reference to preserve important documents like insurance policies, investment records, payment receipts, loans, bank account details, birth certificates, marriage certificate, driving licence, PAN card, tax filing records, etc.

So, it’s difficult to fetch certain information/documents when required urgently or while filing a tax. You should recommend maintaining a file for each subject area and keep them in a section folder by giving prescribe tags. Following this pattern would keep the documents in organized way.

Also, maintain an emergency diary with important contact details at one place. These contacts must include family members, family doctor, insurance advisor, financial planner, tax consultant, medical stores, nearby hospital, ambulance services, etc. Maintaining these crucial contacts in a diary makes it easier to approach the right person at the right time during critical situations.

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Would-be mothers do not have it easy. Health condition and physical exertion apart, their pregnancy also attracts advice, at times unsolicited, from all and sundry – on diet, exercises, commuting, medicines and so on.

What they rarely get, however, is sound advice on preparing themselves financially for the increased expenses that comes along the new entrant in their families, despite the critical role that finances play in raising a child.

Here are a few tips to soothe the frayed nerves of mothers-to-be anxious about the future:

 

Take stock of changes ahead

Step one is to assess your requirements and existing support system. Now, if you have parents or in-laws who can attend to your child in your absence, you have fewer headaches to deal with. If not, start looking for baby-sitters or household help right away instead of waiting until the last couple of months.

Review your insurance needs

Remember, most health insurance policies do not cover maternity procedures. The ones that do cover, carry a waiting period of four years as well as higher premium. “Individual health policies that cover pregnancy and the new born’s vaccinations are quite expensive. You will end up paying a huge premium throughout the tenure for covering expenses that will last one or two years,” says Menon.

Enquire about maternity cover in group covers provided by your or your spouse’s employer. Do make sure that you enhance your life cover in line with increase in responsibilities. This is applicable to both parents.

Plan early

Next, you need to start planning for the increase in your family’s expenses once your baby is born. The first step in the process ought to be the creation of an emergency fund. “The first 0-3 years are critical for the child and you may have to encounter unexpected expenses. Therefore, make sure you set aside approximately a year’s expenses in a secure instrument,” recommends financial planner Bhakti Rasal.

Do not look far ahead

While planning for expenses related to healthcare, creche, household help or baby-sitters is a must, do not go overboard with planning for distant future. Initial expenses are so high that there is very little scope to plan for playgroup or school fees. You can do that when the child turns two. You and your spouse would be better settled in your respective careers by then, and hence in a better position to plan, says Menon. Overdoing saving for the future could compromise the quality of your present.

Take care of yourself

Finally, do not allow the entire process overwhelm you to the extent that you neglect your own health and requirements. “If you are planning to take a break from work, you need to create a separate kitty to take care of your health and regular expenses during that period, advises Rasal.

This savings bucket will be over and above the fund you have created for your child and can be invested in a debt fund or a fixed deposit.

 

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Health is Wealth,we have always considered this as an idiom but now, IRDA is all set to add a literal meaning to it. In near future, the Insurance Regulatory and Development Authority (IRDA) can allow a savings-cum-health insurance product. This is directed to charm youth towards health insurance. According to IRDA, presently in India, health insurance products are mainly slanted in favor of older customers as the younger generations don’t usually take health coverage as a priority.

How this would be different from regular health insurance?

This product could be a health insurance plan providing account to the policy holder where they can keep money to save for future medical expenses. The proposed plan differs from a regular health insurance plan, which has no savings component attached to it but only a premium section. The health saving account will offer interest to policy holders, but it cannot be operated as bank account and therefore it would not be necessary for the insurers to wait for a signal from RBI.

How would be the interest planned?

In the health savings account, premium would be distributed into three modules. First component will be reserved for the risk charges for health insurance, second will be for expenditures, and the third will be the savings component.

Is there any additional tax benefit associated?

There will be important tax breaks with this upcoming health saving account. Premium paid for health insurance will now be entitled for exemption under Section 80 D of the I-T Act. Every year, the exemption amount can go up to Rs.20,000.

The concept of saving-cum-health insurance plan is relatively new in India but in several developed countries like US, insurers have been offering such products. With a whopping premium collection of Rs 20,450 crore last year, business in the health segment in undergoing rapid changes, especially after the recent amendments to the insurance act, which now recognizes the health insurance sector as a separate business vertical. The IRDA is expected to take positive decision in this regard very soon.

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Are you planning to move on to the next important phase of life- Parenthood? Indeed it is a joyful decision, but are you prepared for it? This question is essential because parenthood comes with a price. Raising a child is an expensive affair.

Hospital stay, delivery procedure, regular tests and medicines, all come with a heavy price. But you don’t have to worry about all these expenses if you have opted for a maternity cover. It can help ease off the rising costs so that you can enjoy the happiest moment of your life without any stress.

Let me explain you what exactly a Maternity cover is. It is usually offered as a rider with your main health insurance policy covering expenditure related to both cesarean and normal delivery. Health insurance with maternity benefit is a right way to lower the burden on your pocket. If you are a working professional, you should check whether your employer offers maternity in the group policy or not. In a majority of corporate group policies, maternity is an add-on benefit with a sub-limit not exceeding Rs 50,000.

Ideal cost of a delivery ranges somewhere between Rs 50,000 to Rs 2 Lakhs depending on how critical the case is and type of hospital you choose.

The best way to regulate expenses is to have a maternity cover which entitles you to various benefits, mentioned underneath:

  • Expenses 30 days prior to hospitalization and 60 days post hospitalization.
  • Pre and post natal expenses.
  • Delivery expenses.
  • Coverage for the new born baby up to the expiry of the current policy
  • Ambulance charges for emergency transportation to hospital

There are several insurance providers offering Maternity benefits. But before you decide to opt for a particular health insurance, make sure you clarify all the clauses related to the benefits that would be offered to you during maternity period. Contact your insurance adviser or the insurance company and put as many queries as you can to clarify all your anxieties. It will clear any confusion or doubts that may exist.

Happy Parenthood!

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Health Insurance provides risk coverage against expenditure caused by any unforeseen medical emergencies. In today’s high medical inflation rates, failing to hold adequate amount of health insurance cover can often prove to be a major personal financial slip-up.

It can either result in poor health care because of non-affordability or spiral an individual into financial distress due to high medical bills. Currently, majority of the salaried professionals are provided a health insurance cover by their respective organizations.

However, they often fail to assess their health insurance requirements and realize the benefits of holding adequate health insurance. They also assume that the health insurance cover provided by their organization will be available even during the post retirement phase.

There are two common mistake areas when it comes to buying health insurance and life insurance. One, people don’t act at the right time. Two, when they realize that they have done a mistake they try to over compensate it by buying too much Insurance.

Always remember this popular saying about insurance:

“Buy health insurance when you don’t want it, you may not get it when you want it.”

So why one should buy Health Insurance, even if it is provided by their organization:

  • Buying a medical cover in early life would ensure that the cover is comprehensive while one is employed and continues when they choose to retire.
  • Buying a personal Health Insurance policy when one is young and free from medical complications would be a cost efficient option. The premium would be lower and would offer comprehensive coverage in comparison to a policy purchased at later stage once they face any medical/health issues.
  • As an individual grows older, the cost of the cover increases and if one develops health issues, the health insurance company tends to exclude pre existing conditions which defeat the whole purpose of buying a health insurance.
  • Most health insurance companies have an upper age limit for the policies, which means one would have limited options after retirement.
  • One can enjoy the benefits of cumulative bonus in the form of ‘No Claim Benefit’ if they renew the policy without any claims.
  • The icing on the cake is the health insurance tax benefit. On the other hand, it should not be the driving force behind making the decision of taking a health insurance policy.

One should scientifically calculate the amount of health insurance required with the help of a proficient financial advisor.

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Parents hold a special place in almost all of our hearts. They gave birth to us, cared for us, raised us and provided with all the suitable, sometimes best, necessities and often sacrificed their dreams for our future. We respect our parents and try to take care of them in their old age. Whether it is their medical needs, lifestyle needs or entertainment needs, we see to it that all their needs are met and they live a comfortable life. Providing for the other needs is not financially distressing, but when it comes to our parent’s medical needs, our pockets face the brunt.

Old age is associated with high incidences of medical contingencies and given today’s medical costs, it becomes difficult for a middle-class man to provide for the huge expenses incurred in case of any medical contingency faced by his parents. In this case, a health insurance plan comes in handy to deal with the associated medical expenses.

Most of you would come up with the obvious answer of a family floater policy which also has the provision of covering your parents, but is it the best alternative? No it is not and the reasons mentioned below explain why not:

    • Higher premiums

      Though family floater plans allow the coverage of dependent parents, the premium calculated depends on the age of the senior-most member. If you are including your parents who are aged above 50 years of age, the premium would definitely come out to be high. Thus, buying a separate plan for the parents makes better sense

    • Frequent Claims

      Since parents would be requiring frequent medical assistance, you would be facing frequent claims in your family floater plan. The effect is dually egregious. One, meeting the higher claims of your parents would eat away the floater Sum Assured leaving a little coverage for other members. Secondly, frequent claims would make you lose on your No Claim Bonus which you could have otherwise enjoyed.

    • Limited coverage

      Family floater plans are designed for every individual and has a waiting period clause for pre-existing diseases, which ranges from 2 to 4 years. Moreover the coverage might also be limited and the ailments faced by your parents might be excluded from the scope of coverage. Individual plans designed especially for senior citizens are better alternatives.

Considering these shortcomings, insurers have designed senior citizen health insurance plans which deal specifically with the health insurance requirements of senior citizens aged 60 years and above. These plans have age-specific features suitable for the elderly and offer benefits otherwise excluded from normal health insurance plans. Here are some of the common features of senior citizen health insurance plans available in the market today:

    • The coverage

      The plans developed especially for senior citizens, called senior citizen health plans, have a limited coverage option. High levels of Sum Assured are not available under these plans as they cover individuals with the riskiest health profiles. The average amount of Sum Assured offered is up to 5 lakhs in most of the available plans. Some plans do extend coverage even till 1 Crore and rightly so because of the high Medical Inflation in India close to about 20%!

    • The premium

      Needless to say, premiums are a bit on the higher side. This should not be a bone of contention considering the risk undertaken by the insurer and the age of the individuals covered under the plan.

    • Co-pay clause

      This is a concept applicable in senior citizen plans or plans which cover individuals in higher age brackets. The co-pay clause states that in the event of any claim incurred and raise, a pre-specified proportion of the claim would have to be borne by the policyholder and the insurer would settle the remaining amount. The co-pay limit, i.e. the proportion of claim payable by policyholders, generally range from 10% to 20% on a per case basis.

    • Waiting period

      As is with all health insurance plans, senior citizen plans, too, have a waiting period clause during which pre-existing illnesses are not covered. However, senior citizen plans score in this context as very low waiting period, generally of 1 or 2 years, is only applicable where normal health plans keep a longer tenure.

    • Renewability

      Just like other health plans, senior citizen plans are also renewable for lifetime. However, if they lapse, then it cannot be renewed if they are over the maximum entry limit. So, continuing the plan is of utmost importance

    • Pre-screening Medical check-ups

      As the individuals covered are of higher age, they are required to undergo a pre-screening medical examination before a policy is issued to them.

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