10 COMMON MISTAKES MADE BY INVESTORS

1. No Plan? Many investors take investment decisions without any long-term financial plan in mind. A long-term plan is based on life goals, assets, liabilities, income and expenses. Example: goal to accumulate Rs 15 crores by retirement (age 63), goal to accumulate Rs 15 lacs for child’s higher education by 2025       2.  …

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5 simple reasons to consider CFDs as your next investment asset class

Corporate fixed deposits (CFDs) are an investment asset class that is fast-gaining popularity in the past few quarters primarily owing to the returns it provides on investment coupled with other interesting propositions. With interest rates touching 8.25%, flexible deposit tenures, high ‘AAA’ ratings signifying their degree of safety as an investment class, it is recommended…

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Savings Account vs. Liquid Funds

Let’s understand Savings Account vs. Liquid Funds In this article, we will be comparing savings bank account with liquid funds. Our grandparents and earlier generations use to invest regularly in traditional savings instruments such as bank FDs, traditional life insurance plans, gold, and real estate. The investment avenues have broadened largely in the past three…

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10 MISTAKES PEOPLE MAKE WITH CREDIT CARDS

1.Applying for a credit card Remember, “credit card” is not “free money”. It is the “most expensive loan ever” Think carefully, do you really need it. Instead use a “debit card” It is least expensive and it will keep you disciplined while spending money as you can only spend if you have money in your bank account.    …

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5 SIMPLE STEPS FOR RETIREMENT PENSION

  1. Make it a habit of saving at least 33% (1/3rd) of your net take home salary every month. Ensure that you stick to this with rock solid discipline and regularity 2. Take these 3 simple steps NOW – buy a family floater mediclaim policy (to cover any unforeseen hospitalization expenses for you and your family), buy a…

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5 REASONS TO INVEST IN EQUITY STOCKS TODAY

1.Thebest way to beat inflation and become a MAHA CROREPATI! Investing inequity stocks and equity mutual funds through a staggered approach (Systematic Investment Plan) is the best way to beat inflation. In the long term (take 15 to 50 years time frame) the equity market indices (NSE nifty and BSE sensex) have given an long-term…

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5 MISTAKES NOT TO MAKE WITH FRIENDS AND RELATIVES

  1. Taking financial decisions with emotions Never mix emotions with finance. It is a dangerous cocktail. Establishing a financial relationship with your friends and /or relatives is risky, as in case of default you not only lose your money but also a relationship. 2. Lending money First principle is to never ever lend money to any…

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11 STEPS TO FINANCIAL FREEDOM

  1. Pray each day before you pay Emotional and spiritual balance will lead to financial freedom. Ask God to guide you and give you strength to follow these steps every day. 2. Make long-term financial goals If you don’t know why you’re doing this — why you’re making sacrifices, why you’re working so hard…

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KAUN BANEGA MAHA CRORE PATI…!!

1.   Most of us have watched and remember that iconic gameshow on TV. In that program, getting to the hot seat in front of the anchor was a matter of sheer luck. Then making money was a matter of knowledge and sheer hard work required to attain that level of knowledge. 2. Don’t all…

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5 MISTAKES NOT TO MAKE WHEN BUYING INSURANCE

Buying life insurance policy, even though you have no dependants. This is the first fact; you need a life insurance policy ONLY if some one is depending on your income. If you are fortunate to have no dependants, then just ignore life insurance.   Don’t buy any other insurance policy, except a pure term term life insurance.…

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7 FINANCIAL MISTAKES TO AVOID IN LIFE

1. Living beyond your means: You must make a closer analysis of all the things that you are spending your money on and whether you can do without them, e.g: spending on cable TV, cigarettes, entertainment, mobile phones, hotel bills, EMIs, vacations, new clothes, shopping bills, consumer durables etc. You must differentiate between necessity and luxury…

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3 THINGS YOU MUST KNOW ABOUT PORTFOLIO REBALANCING

1.What is portfolio rebalancing? Answer: Portfolio rebalancing is the continuous process of changing your portfolio asset allocation, to keep it in line with the originally planned portfolio asset allocation model, which is as per your risk profile. 2.How does it work? Answer: Equity markets can go up or down every day, hence so do the stock prices Now, for example, let’s…

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3 THINGS YOU MUST KNOW ABOUT ASSET ALLOCATION

We all know of the age-old proverb “Don’t put all your eggs in one basket” This is a universal principle and it applies particularly to money. In the language of financial planning, the one word to describe this proverb is “Asset Allocation” 1. What is asset allocation? Answer: Asset allocation is the scientific process of investing and managing…

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3 THINGS YOU MUST KNOW FINANCIAL PLANNING

1.What is Financial Planning and How does it work? Answer: Financial Planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a house, saving for your child’s higher education or planning for retirement. The Financial Planning Process consists of 3 steps. – Step1: Constructing your cash flow analysis…

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START INVESTING TODAY… DO NOT DELAY!

Ajay and Vijay, two friends, started working at 23. Both of them drew a post tax salary of Rs.30,000 per month. Out of the two friends, Ajay was more money conscious and started investing Rs.12,500 from the first month itself and continued this process until he turned 65. On the other hand, Vijay, who is…

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7 MISTAKES NOT TO MAKE IN VOLATILE MARKETS

Don’t check the value of your long-term investments on a daily basis. Long-term means “long-term”(10, 20, 30 or even 50 years) not “daily” Don’t stop your SIPs in equity stocks or funds Stopping SIPs when markets are going down would be the most foolish thing to do. In falling markets, that you will get better value…

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Personal Finance

Personal finance refers to the methods, techniques, and ideas used by individuals to plan their finances frugally in order to reap lucrative returns in the future while generating a supposedly, more-than-sufficient savings to lead a peaceful retired life. However, one must not forget that the foundation for leading a comfortable life post retirement is to…

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5 reasons to save

Money may not buy you everything, but surely, with enough money in your hands, you could control your life better. You need money mainly to accomplish and maintain your present basic lifestyle and more importantly, in future. Further, you would need money to achieve what you wish to have beyond your basic requirements during your…

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