The Perfect Gift for your Husband this Valentine’s Day

NUTAN GUPTA

05 Oct 2016

To all the beautiful women out there, we have something in store for you! Valentine’s Day is approaching and I am sure that most of you would be wanting to make this day special for your husband. Gifting branded apparel, watch and toiletries have become very common these days and this is something you can gift on any occasion. Valentine’s Day is considered to be very special and to make this day memorable, the best thing you can gift your husband is a health insurance policy

The only thing we, as wives wish for is our husband’s best health. So, why not gift something that will secure him financially and insure him against several illnesses in the time to come. There is no better gift than securing your loved ones’s health.

The lifestyle that we live these days is such that we spend our entire day at work, thereby neglecting our health completely. The mental stress can affect both your mind and body. As the saying goes, 'Prevention is better than Cure'. So, the best way we can express our true love towards our loved ones is by ensuring their health. Moreover, the cost of medical treatment is rising at an alarming rate and any critical illness can burn a deep hole in your pockets. The hectic urban lifestyle that we live takes a toll on our health and thus having a health insurance has become very important.

A health insurance policy comes with a lot of benefits:

-It takes off the financial burden from you during the time of crisis.

-It takes care of all your medical expenses during hospitalization.

-With premium as low as Rs. 10 per day, you can cover yourself for a sum of Rs. 5 lakh. This means that the insurance company will take care of your hospital expenses of up to Rs. 5 lakh in case an emergency arises.

-Your hard-earned savings can get drained away with just one medical emergency. An insurance plan protects your savings from such unforeseen events. ‘

-The icing on the cake is that having a health insurance can save you tax under section 80D of the Income Tax Act.

Go ahead and gift wellness and good health to your special one. We wish you a very happy and healthy valentine’s day!


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mutual-fund

Why to Choose Mutual Funds Instead of Directly Investing Into Equities?

Whether to invest in equities or mutual funds is a question that has plagued every investor. As someone who needs the best value for his/her investment should you invest in equity directly or via mutual funds?

Let’s start by first understanding what these two terms ‘equities’ and ‘mutual funds’ stand for-

Equities- Equities generally represent ownership of a company. If you own any equity in a company, you are a part owner of the said company (depending on how much equity you own).

Mutual Funds – It is an investment scheme which is professionally managed by an asset management company. It pools together the resources of a group of people and invests their money in equities, debentures, bonds and other securities.

Why choose mutual funds over equities?

For people who’ve never invested in either stocks or mutual funds, it is hard to know which is better and where to start. Broadly speaking, if you are a novice investor, mutual funds are not only less risky but also way easier to manage. Here are some ways in which investing in mutual funds is beneficial as opposed to investing in equities -

Diversification

Mutual funds provide more diversification as compared to an individual equity stock. When you invest in equity, you are investing in a single company which has its inherent risk. For example, if you invest Rs.20,000 in buying equities of one company, you could face a total loss if that particular company performs poorly in the market.  

If you invest the same amount in mutual funds, it will be invested in different kinds of stocks and financial instruments, high-risk and low-risk both, so you might not face total loss even if one company does poorly.

Scale of Investment and Lower Costs

For an individual investor buying and selling stocks is a difficult task due to its high price. Thus, any gains made from stock appreciation are nullified if the overall trading costs are considered. Comparatively with mutual funds, as the money is pooled from a large number of investors, the cost per individual is lowered.  

Another advantage of mutual funds is that you don’t need to invest large sums of money. Buying equities for a profitable venture needs huge amounts of money, a minimum of few lakhs. With mutual funds, you can start with Rs.1000 and earn profits on that as well.

Convenience

Keeping an eye on the markets everyday is a time-consuming business, especially if you are investing as a side gig. There are people who spend their lives studying the market and still end up sustaining heavy losses. Though investing in mutual funds does not guarantee high returns, it is stress-free and needs less work as compared to investing in equities.

To sum it up

It is important to remember that mutual funds have their own disadvantages as well. Thus, as with any financial decision, educating yourself and understanding the suitability of all the available options is the ideal way to invest. 


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The Perfect Gift for your Husband this Valentine’s Day

NUTAN GUPTA

05 Oct 2016

To all the beautiful women out there, we have something in store for you! Valentine’s Day is approaching and I am sure that most of you would be wanting to make this day special for your husband. Gifting branded apparel, watch and toiletries have become very common these days and this is something you can gift on any occasion. Valentine’s Day is considered to be very special and to make this day memorable, the best thing you can gift your husband is a health insurance policy

The only thing we, as wives wish for is our husband’s best health. So, why not gift something that will secure him financially and insure him against several illnesses in the time to come. There is no better gift than securing your loved ones’s health.

The lifestyle that we live these days is such that we spend our entire day at work, thereby neglecting our health completely. The mental stress can affect both your mind and body. As the saying goes, 'Prevention is better than Cure'. So, the best way we can express our true love towards our loved ones is by ensuring their health. Moreover, the cost of medical treatment is rising at an alarming rate and any critical illness can burn a deep hole in your pockets. The hectic urban lifestyle that we live takes a toll on our health and thus having a health insurance has become very important.

A health insurance policy comes with a lot of benefits:

-It takes off the financial burden from you during the time of crisis.

-It takes care of all your medical expenses during hospitalization.

-With premium as low as Rs. 10 per day, you can cover yourself for a sum of Rs. 5 lakh. This means that the insurance company will take care of your hospital expenses of up to Rs. 5 lakh in case an emergency arises.

-Your hard-earned savings can get drained away with just one medical emergency. An insurance plan protects your savings from such unforeseen events. ‘

-The icing on the cake is that having a health insurance can save you tax under section 80D of the Income Tax Act.

Go ahead and gift wellness and good health to your special one. We wish you a very happy and healthy valentine’s day!