Stock Market Investing

High Volatility
The stock market subjects investors to high levels of volatility. This means sometimes the market goes up and sometimes the market goes down. Investors do not mind volatility to the upside, but downward volatility can damage wealth. For example, when the stock market dropped in July 2008, the market lost over half its value in less than a year, as indicated by the S&P 500 stock index.

Not Suitable to Provide Retirement Income
An individual at retirement age may not want a large proportion of retirement assets in the stock market. A retiree needs regular income and many stocks pay little or no dividends. To provide money for living expenses, shares of stock would have sold, reducing the portfolio and incurring commissions. A major drop in the market will reduce the total capital the retired person has to generate income. Since a bear market--defined as a time when security prices are falling--comes along on average every six to eight years, having most of a person's retirement assets in the stock market will eventually lead to some tight finances.

Large Number of Choices
The large number of choices may discourage investors that want to invest in the market. The Wilshire 5000 stock market index covers the entire U.S. stock market and includes over 6,000 stocks. There are over 4,000 stock mutual funds. It can take a lot of time, education and effort to research the market and select an appropriate stock portfolio. The size and complexity of the stock market makes it difficult for an individual investor to meet investment goals successfully.

Risks of Ownership
Owning stock owns part of a corporation. If the corporation declares bankruptcy, the owners or shareholders are last in line to receive any proceeds from the corporate breakup or reorganization. In most cases if a company goes bankrupt the shareholders, receive nothing for their shares. Very large and well know companies have gone bankrupt. The list includes General Motors in 2009, Lehman Brothers in 2008 and Enron in 2001.

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Will home loans be the next big worry for banks?

Home loan growth is likely to be lower than the previous years as buyers and investors will defer their home purchase on expected correction in real estate prices. Following demonetization, the growth in home loans in FY 2017 is likely to be lower at 16-18% from earlier expectations of 18-20%, as stated by a rating company. Demand from the self-employed segment is also likely to be subdued, as their business volumes may have affected. Reduction in MCLR by various banks could lead to increased competition and balance transfers, especially in the prime salaried segment, a report said. 

In the Union Budget, the government has given 39% higher allocations under the Pradhan Mantri Awas Yojana along with infrastructure status accorded to affordable housing projects will stimulate wider investor community and improve the access to funding avenues. While growth in the prime home loan segment could witness moderation, affordable housing segment is likely to grow at a faster pace than industry with efforts, made to address the supply, demand and affordability issues. Asset quality indicators continue to remain resilient with the Gross NPAs of 0.8% as on September 30, 2016. Post demonetization, the delinquencies in the affordable housing and self-employed segments would increase given the borrowers’ reliance on cash transactions. Given the expected correction in property prices liquidity of properties may hamper, affecting the loss given default. Despite rising portfolio vulnerability owing to increasing share of non-housing loans, higher share of self-employed and low-income borrowers within housing loan segment and high competitive intensity leading to dilution in lending norms (like relaxation of LTVs/FOIRs), a gross NPAs for HFCs to remain range bound between 0.9% - 1.3% over the medium term. Incremental funding costs for HFCs have come down considerably in the second half of FY2017 with many HFCs raising funds at median rates of 7.5-8%. Therefore, cost of funds is likely to moderate further for HFCs. The reported capital adequacy for HFCs remained comfortable, due to the benefit from relatively lower risk.

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Do not step forward without proper advice: A couple’s horrifying tale

Nothing looks sweeter but a couple, who got into each other since college days and ended up getting married. Travelling under the night sky, stars blinking billions of light years away, and head rested on his shoulder, silent look into each other’s eyes with no one to bat eyes on them. Automatically a rendition of soulful piano and violin starts playing inside – a story about two young adults as they grew up together making memories. Ranjan, a banker married Tia, a digital marketing executive and are happy when a blessing news wrapped the couple in felicity. Tia was pregnant and she had plans for their future. Let us get into the accounts of one of her horrifying tales.

“I knew that having our first child meant that getting life insurance should be a top priority for both me and my husband. We researched policies, got a quote for an affordable term life insurance policy and had our medical exams. Imagine my surprise when, a few weeks later, the agent called me back and told me my new adjusted rate.

The cost of my policy had gone from a reasonable monthly fee they had quoted me—to nearly four times that amount. The reason, he said, was that my cholesterol levels were high. I called my doctor in a panic. Cholesterol levels always spike during pregnancy, she reassured me, and they probably will not be back to normal until a few months after you give birth.

After doing some research, I found that it is nearly always better to get a life insurance policy before you get pregnant to avoid potential price hikes brought on by temporary conditions during pregnancy. While some companies account for the fact that I gained weight due to the pregnancy, factors like higher blood pressure or postpartum depression can also affect your ability to get the best rates.

Now my daughter is three months old, and I am still waiting for my numbers to dip before starting again. I really wish I had known to start this process when trying to conceive instead.”

A blunder can harm people so much, maybe a lifetime. Therefore, it is better to take an advice before vouching for personal choices. Contact, Moneymindz, the best free financial advisory services. An advice should pass rather than keeping to oneself.

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Academy awards error: Common for human beings once, foolish people repeats it twice

As Hollywood draped itself gorgeously on their biggest night, the 89th Academy award at Los Angeles with La La Land heading the race with maximum number of academy, a small blunder made the headlines. The award for the best picture was mistakenly given to La La Land instead of Moonlight. The ensemble cast of La La Land coruscated when suddenly one of the veteran actor and presenter apologized for announcing the wrong name. He even showed the envelope where the name of the winner was printed. A famous auditing company has been handling this responsibility for 83 years and suddenly they had to apologize to the academy for such fault. The whole crowd went perturbed because it indicates careless or overconfidence. Both are dependent on each other and when one error leaped up, academy is blaming the executives for miscounting. A real embarrassment for so many people – the mistakenly awarded winners who were delighted to add an extra prize on their cabinet, the academy for hosting such a big event, the guests, who never thought of such mishap and the auditors, responsible to count the votes. Mistakes happen and humans are not perfect but trying to avoid it and getting everything perfect is what everybody expects. Though it did not look as bad as both of them deserved equally but somewhere and somehow, it seems weird to be the headline of some disaster.

When an event of 89 year old can commit such mistake, then why not people with so low knowledge on financial services and products. It is not about blaming – individuals might not have time to go through everything and learn. Sometimes a bit of advice and some tips work.

Moneymindz, the best free financial advisory service has brought you advisors where you can get ample ideas for your future investments. Do not repeat now, contact us, we are there for you all the time.

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Health Insurance helped a couple from ruining their trip.

We all love to Travel and for most people overseas travel is a wonderful and enriching experience, however being the unpredictable nature of Health, misadventures whilst on holiday do sometimes occur. The following are just an account of a real life couple who from real Insurance customers were having comprehensive Health insurance has really paid off - with Moneymindz Insurance advisory service even when they are a million miles from home, but never far from care.

Rahul and Rani travelled to Bogota in Colombia to visit their son and his partner who are working respectively in Colombia as an archaeology professor and as a History teacher at an international university.

A couple of days after arriving in Bogota, Rahul woke at 2.50am in the morning with severe lower-back pain and stomach cramping. After a couple of hours of excruciating pain and no improvement, Rani decided the time had come to call a taxi to take Rahul to a medical clinic which was nearby the university where their son and daughter-in-law teach.

Shortly after arriving at the clinic examined Rahul, one of the clinic doctors provided him painkillers. An urologist also examined him a few hours later stated that Rahul was suffering from kidney stones.

Once the diagnosis had been made, Rahul immediately contacted his old advisory service Moneymindz, where he was quickly advised what to do. While at the clinic, Rahul received a series of follow-up phone calls from operators at the Moneymindz advisory service for an insurance to whom he assured about his treatment. They reassured him that he was receiving appropriate treatment.

He made several visits to the clinic for pain relief and asked an urologist for a CT scan. Thankfully, the stone passed and Rahul's health improved without the need for surgery.

After getting the all clear, Rahul and Rani continued their trip to Bogota.

Arriving safely back in India, Rahul is very grateful he had Health insurance. "The comprehensive Moneymindz, best financial advisory service fulfilled its role and expectations in every respect and the claim was speedily and fully processed after the trip".

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Simple examples of investments with refer to some Big shots’ life mantra

Tennis is the toughest sport and completely depends on hard work. There is no way around the hard work so aspirers have to embrace it. The mantra is we have to put in the hours because there is always something we can improve. We have to put in a lot of sacrifice and effort for sometimes little reward but we have to know that, if we put in the right effort, the reward will come. Same thing works for an individual, who, does not necessarily have to work hard but need to discuss about what kind of investment they have keen. Looking for something befitting and rewarding, one must strive to achieve it.

“Laziness is not merely a physical phenomenon; it is about being a couch potato, stuffing your mouth with fries and watching television all day. It is a mental thing, too, and that is where I have never aspired. In the world of creativity, laziness translates into an inability to be rigorous enough to create fearlessly. It makes us plagiarise or water our creativity down to make it more acceptable to the public “a renowned Indian film star quoted. He is now the richest Indian superstar and joined the ranks of others in world’s top 20.

Therefore, the reason to quote this is to rectify people with laziness who thinks of investments only in top companies without having practically any knowledge. People are too lazy to learn and gain financial literacy rather they depend upon top-notch agents from big companies.

Compared to other talented players in his generation, his early life was a struggle through state and junior cricket teams when he finally accepted in the national team. Later as a Captain of the Indian National Team, he would profoundly be honoured for his successes and alternatively vilified for his failures. The secret of his ability to keep moving on through the ranks to ultimate success without falling prey to over confidence and criticism lay in his ability to step back and analyse what went right and what went wrong each time.

The only difference between this quote and me saying is Moneymindz will struggle to get you the perfect investment. Never fell prey to overconfidence and depend on some multinational or renowned company for investment. Play safe and swiftly.

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Harmful Effects of Junk Food- Moneymindz