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How can we trace a deceased person’s assets or investments?

According to a media report, over Rs 82,000 crore of investor wealth is not claimed in misplaced and discontinued investments. There are unclaimed deposits in inactive bank accounts, terminal proceeds of policies in insurance firms, and even people’s retirement funds lying dormant in PF (Provident Fund) accounts. Some individuals are incredibly organized when it comes to their investments …

What are Unit Linked Insurance Plan (ULIP) and what should we consider before buying it?

Let us first understand – ‘What are ULIPs’? Insurance plans are intended to assist people in achieving their long-term objectives. A Unit Linked Insurance Plan (ULIP or commonly known as ‘Ulip’) is a form of life insurance plan that brings together investment alongside coverage. It is the sort of insurance coverage that both enables investors preserve for long-term goals …

Portfolio diversification with US bonds exposure

Geopolitical upheavals, such as the current Israel-Gaza conflict or the Russian-Ukraine war, have focused attention on asset diversity, which aids in risk management of your investment portfolios. Historically, Indian investors have frequently limited their portfolios to domestic assets, restricting their diversification options. Accepting global markets can provide a great channel for increased diversification. Investing in international …

Balanced Hybrid Funds – What are they?

Balanced Hybrid mutual funds are mutual funds that invest across multiple asset classes. They are usually a mix of equity and debt assets, although they may also include gold or real estate. Because of their portfolio diversity, balanced hybrid mutual funds have grown in favor among investors. By investing in asset types such as debt …

The Total Money Makeover – Book review

The Total Money Makeover is a step-by-step approach to improving your financial condition, no regardless of how dire it appears to be. By taking these seven easy steps, you can reclaim your financial stability and start to plan for a secure, fulfilled retirement. The author of this book, Dave Ramsey, is an American writer, radio broadcaster, …