Frequently Asked Questions

 
 
1. I have too little money. How can I save?
Financial planning is required when your goals are bigger than your possessed funds. Waiting for big fund accumulation to start planning is like living for today, without any plans for tomorrow.
 
2. Financial Planning is costly. Can I afford it?
It’s the same as refusing to consult a specialist doctor even when you are seriously ill. Constructing a financial plan is as important as getting the blue prints to build your home.
 
3.I only invest in Fixed Deposits. Why should I compromise safety of my capital?
Most of India’s domestic savings are heading to bank deposits. However with inflation soaring and interest being taxable, you need an avenue which enhance the value of your investments, even after Inflation and Tax. Remember, empty coffer when you are old and not capable to generate enough income to live is the most unsafe period for you.
 
4. Why should I not invest myself?
Some people have an inborn flair for numbers and are organized enough to keep regular track of all their investments. You may have emotions with certain investments which can hinder in taking right decisions. A financial planner has the requisite qualification, training and on-hand experience that a layman can only master to a small extent.
 
5.Why should I not trust on TIPS from reliable sources and my good neighbors?
You get tips of what to buy and when, but never to sell. And that is why you incur losses. Remember good things are not free in this world.
 
6. Why advisors not offer me freebies?
Expecting rebate is common among investors. If you try to squeeze the advisor, he/she will try to squeeze you in return by deploying your money differently, and not as per your need or requirement. So if you need quality advisor, you have to become quality investor. Remember, financial planner is charging you is indicating that he/she will take interest in the performance of your investments.
 
7. I don’t trust advisors. Where are trustworthy advisors?
If you lack trust, because of an awful experience previously, the mistake was probably made while hiring the advisor. Make sure you are choosing your advisor carefully enough. Remember you need to exercise the same care as you would while selecting your Life Partner, because relationship with a financial advisor potentially could extend beyond your life too for your family.
 
8. Why should I need advisor?
Education without a School or a Teacher is not possible. Similarly you always need a financial planner for your financial education & investments. There are many factors to consider such as financial goals, cash flow, risk taking ability etc. An advisor can recommend changes in investment pattern specifically for you. Without the help of good financial planner, there is a possibility that you may reach faster or you may not reach at all. Actually, you need to plan investments same way as you plan tours on long-holidays! Handing over what you can’t do best to an expert is an accepted norm.
 
9. When should I need a Financial Planner / Investment Advisor ?
Are you looking for someone who has financial knowledge, who is experienced, who can give you the right advice at the right time, which can dig your mind of exactly what you want and most importantly you can trust. Did you think about some of your relative, friend or neighbor to consult, and then give your mind a second thought? Does that person really has time to hear you with patience; will that person be accountable after any money mishaps? No! Because he has not given you any surety of anything and neither you have paid him. Then time has come to hire A FINANCIAL PLANNER / INVESTMENT ADVISOR who is qualified, trained by experts and have experience who knows which factor has to be taken in to account, who gives the right direction to your money, which can change your investments into gains, who will listen you patiently. THAT IS WHY YOU MUST HIRE SERVICES OFGROW RICH INVESTMENT PLUS” NOW INSTEAD OF REGRETING AFTERWARDS.
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Here is a fundamental view on the market from Sunil Subramaniam Watch the interview of Sunil Subramaniam, CEO at Sundaram Mutual Fund with Prashant Nair and Ekta Batra on CNBC-TV18, in which he shared his readings and outlook on market and specific stocks.
Tue, 19 Sep 2017 12:25:49 +0530


Shweta Jain SIP work irrespective of market sentiment. Marry the SIP with your financial goal and you are home.
Tue, 19 Sep 2017 09:50:25 +0530


Sunil Singhania Says economy will continue to grow and that will drive up the equity markets going forward.
Mon, 18 Sep 2017 10:16:49 +0530


Rajeev Thakkar Among the new theme that they have added is Facebook, which is an international stock, said Rajeev Thakkar, Chief Investment Officer and Director, PPFAS MF.
Fri, 15 Sep 2017 16:24:18 +0530


Joydeep Sen Only a fund with a relatively smaller corpus size can be quickly repositioned; a large fund will have the baggage of existing portfolio which should not be disturbed.
Thu, 14 Sep 2017 09:53:45 +0530


Vaibhav Agrawal Unlike other instruments like PPF, NSC and Long term deposits, an ELSS is a long-term wealth creator due to its consistent equity exposure.
Tue, 12 Sep 2017 11:26:33 +0530


Harsha Upadhyaya Kotak MF’s Upadhyaya said that September and December could be slightly better quarters due to GST-hit sectors seeing some recovery.
Tue, 12 Sep 2017 10:27:33 +0530


Lack of jobs in economy a worry; may see job growth once GST effect reduces: Axis MF In an interview to CNBC-TV18, Chandresh Kumar Nigam, MD CEO of Axis Mutual Fund, spoke about his reading of the market and his outlook on inflows into equity mutual funds (MFs).
Thu, 07 Sep 2017 14:23:12 +0530


Anand Radhakrishnan To celebrate the Mutual Fund Day that falls on every 7 day of the month, CNBC-TV18 spoke to Anand Radhakrishnan, CIO- Equity, Franklin Templeton Investments. Last month mutual funds saw a record inflows to the tune of Rs 20,000 crore.
Thu, 07 Sep 2017 12:13:40 +0530


S Krishna Kumar Companies such as Bajaj Finance and Capital First, among others, have been able to innovate, use technology, disrupt markets and gained advantage among competitors to pursue higher growth.
Thu, 07 Sep 2017 12:02:14 +0530


Joydeep Sen The average SIP size is Rs 3,250 and the month-wise collection through SIPs is just under Rs 5,000 crore per month now. It shows investors are walking in the right direction.
Thu, 07 Sep 2017 11:03:32 +0530


Hybrid funds - A balanced approach to investing Balanced, MIPs, Equity Savings and Dynamic Allocation are categorized as Hybrid funds
Thu, 07 Sep 2017 10:53:29 +0530


Milind Barve CNBC-TV18#39;s Nimesh Shah caught up with Milind Barve, MD, HDFC AMC from the side-lines of Motilal Oswal Conference and asked him if the domestic flows are sustainable at the pace at which mutual funds (MFs) are getting it and the trend in mutual funds will continue going ahead.
Wed, 06 Sep 2017 14:53:00 +0530


Nimesh Shah Nimesh Shah of ICICI Prudential AMC says when you are managing money in fiduciary capacity it is important to have a balanced approach while investing in market.
Tue, 05 Sep 2017 14:01:27 +0530


Sunil Subramaniam Watch the interview of Sunil Subramaniam, CEO at Sundaram Mutual Fund with Prashant Nair and Ekta Batra on CNBC-TV18, in which he shared his readings and outlook on market and specific stocks.
Thu, 31 Aug 2017 12:33:29 +0530

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