An Oxymoron is defined as a phrase in which two words of opposite meanings are brought together....

Here are some funny oxymorons :

1) Found Missing

2) Open Secret

3) Small Crowd

4) Act Naturally

5) Clearly Misunderstood

6) Fully Empty

7) Pretty Ugly

8) Seriously Funny

9) Only Choice

10) Original Copies

11) Exact Estimate

12) Tragic Comedy

13) Foolish Wisdom

14) Liquid Gas

And The Mother of all Oxymorons  is

15) Happily Married

Canara HSBC OBC Life Insurance - Guaranteed Savings Plan.

Canara HSBC OBC Life Insurance - Guaranteed Savings Plan. 

Canara HSBC OBC Life Insurance has rolled out Guaranteed Savings Plan. 

The non-linked, non-participating guaranteed life insurance plan is designed to provide life cover and guaranteed benefits payable to meet the rising cost of living.


Canara HSBC OBC Life Insurance has unveiled Health First..!

Canara HSBC OBC Life Insurance has unveiled Health First..!

Canara HSBC OBC Life Insurance has unveiled Health First. The critical illness plan offers financial protection for cancer and heart-related ailments, in addition to 26 other dreaded diseases. 

The minimum sum insured is Rs. 5 lakh and the product offers option to increase coverage.


DBS Bank has partnered with Bigbasket

DBS Bank has partnered with Bigbasket

DBS Bank has partnered with Bigbasket to unveil a co-branded international debit card. 

It is curated to suit the needs of digitally-savvy and time-starved consumers. 

The card features a range of offers including up to 7% interest on savings, instant personal loans up to Rs. 15 lakhs, unlimited ATM withdrawals at DBS ATMs, among others.


FundsIndia is rolling out a pair of pre-election fund portfolios..!

FundsIndia is rolling out a pair of pre-election fund portfolios..!

FundsIndia is rolling out a pair of pre-election fund portfolios that will enable investors to play on market behaviour based on the outcome of the Lok Sabha elections 2019. 

One portfolio is for investors who think the current government will be back in power, while the other portfolio is for those who think there will be a change of government.


Indiabulls Equity Hybrid Fund

Indiabulls Equity Hybrid Fund

Indiabulls Mutual Fund has launched Indiabulls Equity Hybrid Fund. 
The open-ended scheme will invest in a mix of equity and debt instruments. 
The minimum investment is Rs. 500. 

The NFO closes on 2018, 30 November.


SBI Mutual Fund ETF Quality..!

SBI Mutual Fund ETF Quality..!

SBI Mutual Fund has introduced SBI-ETF Quality. 

The Smart Beta offering will be tracking the Nifty200 Quality 30 index. 

The minimum investment is Rs. 5,000. 

The NFO closes on 30 November, 2018.


A good opportunity knocks on your door!

 A good opportunity knocks on your door! 

FFO 3 for CPSE ETF will open & close on 27th November 2018 for Anchor investors and from 28th November 2018 to 30th November 2018 for Non Anchor investors. 

Upfront discount of 4.5% for all investor categories. Investors understand that their principal will be at high risk. 

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

New PAN card norms with effect from 5 December 2018..!

New PAN card norms with effect from 5 December 2018..!

In an attempt to prevent tax evasion, the Income Tax department has changed PAN card rules with effect from 5 December making it mandatory for all entities doing business worth over ₹2.5 lakh in a financial year to have a Permanent Account Number. The Central Board of Direct Taxes (CBDT) through a notification amended the rules and said the application forms would also give an option to the applicant to state whether his or her mother is a single parent or if the applicant wishes to furnish the name of mother only. Currently, furnishing father’s name is mandatory for the allotment of Permanent Account Number (PAN).

Mutual Fund SIP verses Lump Sum Investment – Let us YOU choose wisely..! Radha Consultancy

Mutual Fund SIP verses  Lump Sum Investment 
– Let us YOU choose wisely..!  

by Meenakshi sundaram Kannan, Radha Consultancy, https://radhaconsultancy.blogspot.com

SIP – Current Review

SIP is a famous word. Many investors start SIP 
with high expectation. In the last two years, 
many more fund houses and intermediaries, 
 encouraged investors to have SIP based investments.

Have their expectations been met? 
If we evaluate SIP’s performance in this fallen market, 
then the obvious answer would be ‘NO’. 
 Should we feel bad for the fate of SIP? 
Not really, instead it would be good to 
understand what SIP actually is!

Due to the fall in markets, the profits we get out 
of SIP is also falling. 
The best Equity funds 1-year SIP return 
percentage ranges from -5% to -15%. 
The returns from the other funds might 
be even lesser than this which is 
clear from the table shown below.

Is this the outcome that we envisioned while we invested? 
 Certainly not, our expectation was that SIP is a
 Superstar plan and there was no way that it
 can produce losses. 
But in reality, the return numbers returned 
by SIP is lower than the ones we expected.

Value Research’s top 5 star
studded best Equity funds
profit percentage – 10 Nov 2018
1 Year
3 Years
5 Years
Axis Long Term
Mirae Asset Emerging Bluechip
Large and Mid-Cap
Axis Bluechip
Large Cap
L&T Mid Cap
Mid Cap

SIP vs Lumpsum

Some people are now thinking that 
they should have invested in Lumpsum instead of SIP.
 It’s like the saying The grass is always greener on the other side of the fence”. 
The closer we go, the dangers of Lumpsum becomes visible. 

To understand SIP and Lumpsum, 
we also need to take a closer look at Lifestyle practices. 
In some situations, you might not be able to 
invest in Lumpsum plans. For instance, 
a monthly salaried person who wishes to 
invest small amounts in mutual funds 
every month might find it comfortable 
to invest in a SIP plan. 

Similarly, when you have the money 
readily available to invest in a 
Lumpsum fashion, it is not advantageous to invest in 
a SIP based plan. 
In this market fallen times, it would be more profitable 
if we invest through the Lumpsum option. 
When we have enough money in hand, 
we shouldn’t be adamant 
that we will invest only through SIP. 

In the coming months and years, 
if the market keeps fluctuating, 
 then SIP mode might be suitable.

Example to understand better

The following table gives, returns for investment 
done for same amount and same duration 
via Lump sum and SIP. 
Let us keep in mind, in lump sum, 
the money is with fund house for more time, 
where as in SIP, money is paid in installments –
 hence return varies. For simplicity purpose,
 we have taken the returns for the amount
 invested with fund only. 
(See the blue shaded first case in the table, for 
SIP absolute market value is less = 162707 
but annual return is more = 10.10%, 
whereas in  lump sum, absolute 
market value is more = 172451 
but return is less = 6.5%  this is because in lump sum, 
invested amount is more time in the fund than sip, 
 but created less return, because investment 
started when market was 
trending higher vale –Sensex 29220)

Fund used for comparison = Axis Blue-chip Fund - Growth
SIP amount per month = Rs 3,000
Return calculations till 12/11/2018
Current Sensex = 34812 (on the day of return calculation)

Start date
Paid months
Invested value
Market value
Lump sum
Lump sum
Lump sum

Some important points 
that we need to know about SIP

·         SIP is not isolated from the falling markets. 
Profit and Loss is part of the market. 
SIP can lead to losses too. 

·         During current market weakness, 
we should not stop investing in 
SIP based plans. 
SIP investments can turn out good 
during fluctuating markets. 

·         One thing that was evident from the table is, 
even when SIP posted negative 1-year returns,
 its 5-year returns looked to be in good shape. 

·         During the SIP time period itself, 
we can invest in the same plan on a 
Lumpsum option at least once. 
This one has a chance of turning profitable. 
There is nothing wrong in this and 
need not worry about it. 
·         Investing in the peak times 
SIP is better than lump sum – 
first case in the table with light blue shade

·         SIP in rising market will not give better returns, 
 lump sum at the beginning of rising market 
will give good returns – refer Last case in the table – 
light green shade.
·         There are two kinds of investment options. 
Based on the situation and the amount 
of money we are willing to invest, 
we can invest in either of the options.
 It is very hard to predict or conclude
 which option is the best for each time period.


DSP Healthcare Fund - NFO

DSP Healthcare Fund

DSP Mutual Fund has launched DSP Healthcare Fund. 

It will invest in the healthcare and pharma sector.

The minimum investment is 500. 

It closes on 2018, 26 November.

Apollo Munich Health Insurance: Type I or Type II diabetes or Prediabetes..!

Apollo Munich Health Insurance: Type I or Type II diabetes or Prediabetes..!
Apollo Munich Health Insurance has rolled out Energy. It is meant for those already diagnosed with type I or type II diabetes or  /prediabetes.

Diabetics who are dependent on insulin can also avail this plan.


Cigna TTK Health Insurance : Cigna TTK ProHealth Insurance.

Cigna TTK Health Insurance : Cigna TTK ProHealth Insurance.

Cigna TTK Health Insurance has upgraded Cigna TTK ProHealth Insurance.

It offers combination of health protection, wellness and health reserve, etc.
The hospitalisation cover starts from 2.5 lakh and can go up to 1 crore.



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