Converting your employer group health insurance into an individual policy- Is it Important?

Converting your employer group health insurance into an individual policy- Is it Important?

Insurance policies, as we all know, have become a necessity in everyone’s life and many of us are benefitted by being covered with an insurance cover provided by our employer. Though the benefits at the outline remain the same, group health insurance policies and individual health insurance policies are entirely different from each other. The clauses are aplenty and their implications catch you unawares just when you want to avail the benefit. A simple comparison between these two kinds of policies based on the terms that they are applicable upon…

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5 facts to make you financially fit from your very first job

5 facts to make you financially fit from your very first job

Stepping into your first job is indeed an awesome and an unforgettable moment. This phase of life brings a whole new sense of freedom, responsibility and confidence. This could be the moment that you have been waiting for all your life. Most of us dream of buying a  car, or  taking a nice vacation. And now that you have a job all set to give you a consistent financial flow, you would like to realize this dream of yours. A disciplined and planned approach can get you to realize your…

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Right Horizons – Weekly Market Report [02-10-2017 to 07-10-2017 ]

Right Horizons – Weekly Market Report [02-10-2017 to 07-10-2017 ]

Equity Market Update: Indian equities reversed the negative trend seen in the past two weeks. S&P BSE Sensex and Nifty 50 rose about 2% each. The market was mainly driven by a rally in the shares of metal and oil & gas firms, and as investors took comfort from the RBI’s projection of acceleration in growth in the second half of fiscal 2017-18.   Debt Market Update : Government bond prices ended down in the week as sentiment took a hit as reports of the government considering a stimulus package…

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Investing: Here’s how to gain from Systematic Transfer Plans (STP)

Investing: Here’s how to gain from Systematic Transfer Plans (STP)

STP makes sense when you want to transfer a large amount of money in a regular fashion without going through the lump-sum route.   Systematic Transfer Plan is a good way to invest in equity market. Similar to an SIP (systematic investment plan), STP invests systematically over a period in a particular fund in a fixed frequency. But unlike an SIP, money gets transferred from another scheme instead of a bank account. Investors can put a lump sum amount in liquid funds or ultra-short term fund & transfer a fixed…

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Are you postponing these 5 financial decisions?

Are you postponing these 5 financial decisions?

It is always ideal that you practice a good discipline when it comes to your financial life and to do so it is imperative that you prioritize and set your financial life in order. Life is challenging and comes up with the most unexpected events at the most uncertain times. In order to avoid hassles for your dependants and to keep everything about your finances at ease, you should plan and set straight your financial life in order at the earliest. This article is to take you through those five…

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Calm stocks make big ripples on choppy D Street

Calm stocks make big ripples on choppy D Street

Risk-averse investors often prefer buying low-beta stocks, whose returns are ideally more stable than high-beta shares While low-beta in the financial world is often synonymous with safety but boring returns, in the year that has seen equity market rallying over 20%, as many as 24 low-beta stocks in the BSE 100 index outperformed the index itself as on September 22. In comparison, just 21 high-beta stocks beat the benchmark, shows a DNA Money analysis. Risk-averse investors often prefer buying low-beta stocks, whose returns are ideally more stable than high-beta shares….

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How to Spend Your Month-end Happily

How to Spend Your Month-end Happily

The biggest trick to help you spend less than you earn is to know exactly what you are earning and exactly where are you spending Have you ever reached the end of the month with almost nothing in your pocket and bank account? If so, you’re not alone. In fact, many Indians, often with large families, are living pay cheque-to-pay cheque. It can be one of the hardest cycles to break. Below are some tips on how to spend your month end happily and without worries. Know Your Exact Budget…

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How not to finance down payment for buying home

How not to finance down payment for buying home

Buying a home is a big decision. And, as with all big decisions, you need to be well prepared before you implement it.  For starters, before you decide on buying a home, make sure you have accumulated enough money to make the down payment. Hasty measures can put your financial security at risk.   Don’t dip into retirement savings Rummaging through one’s retirement savings may seem the easiest option. But it is not the most desirable one, say experts. “Once you start chipping away at your retirement fund, there’s no…

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Worried the Festival buying will slim down your Fat Wallet?

Worried the Festival buying will slim down your Fat Wallet?

Experts in psychology and consumer buying behavior state that impulse buying behavior is exhibited when purchasing is executed without proper planning and research which results in a stimulus to take a decision on the spot. Surveys say that this has mostly resulted in regretting later about taking a decision as such. So, have you wondered why is that we are under the influence of certain factors and get pushed into an impulsive buying spree? Festivals bring about an air of joy and happiness in the minds of people. And many…

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Right Horizons – Weekly Market Report [18-09-2017 to 22-09-2017 ]

Right Horizons – Weekly Market Report [18-09-2017 to 22-09-2017 ]

Equity Market Update: Indian equities could not maintain the previous week’s positive trend. S&P BSE Sensex and Nifty 50 lost about 1% each. Sentiments were mainly affected after the government’s plan for Rs 50,000 crore stimulus spending raised concerns over fiscal deficit.   Debt Market Update : Government bond prices ended down in the week as sentiment took a hit as reports of the government considering a stimulus package to boost the economy led to fear of extra borrowing in the current financial year. The 10-year benchmark 6.79%, 2027 bond…

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