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How Much Life Insurance Cover You Need?
By: Srikant Tapadiya For many it may be a surprise question as to them Insurance is an Insurance. There are very few people in India understands the concept of “ Human Life Value ” which need to be calculated before buying any insurance policy and it is not their fault. It is observed that, when someone thinks of an insurance policy, he/she approaches any of his/her known person and end up buying a policy which may not be suitable to him/her. The reason for this mess up is, in India even the Insurance Advisor, most of the times, act as an Agent and sell something to their clients where there is a vested interest of the Agent. So, the question remains unanswered – How Much Life Insurance Cover You Need!?! The answer to this very basic question is by evaluating your Human Life Value Human Life Value (HLV): Human Life Value can be defined, in simple terms, as the Economic Value you bring into your family’s finance. In other words, it is your future ob...
Rebalance Your Investment Portfolio
Investment is considered as a lazy activity. An investor is seldom advised not to peek into your investments very often. It is true that, investment is a long term affair and short term volatility need not affect the investor’s thought process. However, due to various changes in our personal life, it is always advised to look into your investment portfolio atleast once in two years and depending upon your present personal and financial situation, rebalance your portfolio as per the present risk appetite. Market situations also do change over a period of time and hence our investments need to be aligned in the same direction as that of the market. Ultimately we are expecting good returns from the market and putting our investment in the similar direction as that of the market makes lot of sense. Rebalancing would take care of such activity. Rebalancing on a periodic basis often delivers superior returns and helps tide over volatility. What is Rebalancing? Our investment ...
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