Nivesh - Invest Smartly

Nivesh - Invest Smartly Mutual Funds, Fixed Deposits,Bonds, General Insurance & Life Insurance Etc.

Our guiding mission is to help our clients save money, increase their wealth and to learn about their money throughout the journey. This happens because of our commitment to communication, our dedication to ongoing learning, and seeking security.

ARE YOU PROTECTED FROM INFLATION RISKS?Our need for income and our ability to generate what we need changes over time. I...
10/02/2014

ARE YOU PROTECTED FROM INFLATION RISKS?
Our need for income and our ability to generate what we need changes over time. It retirement depends on income from accumulated wealth, we need to build it using growth products such as diversified equity funds.

“Financial planning is like the Antique Road Show. It’s real value but people don’t realize it at first”
10/02/2014

“Financial planning is like the Antique Road Show. It’s real value but people don’t realize it at first”

Live a simple life: Delayed gratification is certainly not fun, but adopting a simple lifestyle is a sure way to meet ou...
10/02/2014

Live a simple life:
Delayed gratification is certainly not fun, but adopting a simple lifestyle is a sure way to meet our current financial needs, while meeting your long term financial objectives.

10/02/2014

HDFC Deposits Introduces Double your money scheme & Money Multiplier schemes. Double your amount in 7 yrs 9 months just like post office used to have KVPs . For more details call on 9926374222.

10/02/2014

Bajaj Finance Ltd Introduces fixed deposit for short term period. Rates are : For 1 & 2 yrs 9.75% . For 3 years 10.00 %.
Minimum Deposit Amount Rs 150000/= . Bajaj Finance company is AAA rated company & largest consumer financier in India.

10/02/2014

Do you have a dream?
To make your dreams a reality, all you need is a bit of courage to take a step in the right direction! SIP is a smart financial planning tool that helps you create wealth, by investing small sums of money every month, over a period of time.

03/02/2014

Demystifying myths about mutual funds

Myth 1 - Mutual Funds are all about equity.
Not all mutual fund schemes invest in equities. Debt / Income oriented MF schemes invest in fixedincome securities such as bonds, government securities & money markets which are consideredsafer in comparison to growth / equity oriented schemes. The aim of equity schemes is to providethe opportunity to grow your money over the medium to long term. There is also the option ofinvesting in Balanced Schemes which invest in both equities & fixed income securities.

Myth 2 – I don’t need to understand the mutual fund scheme that I am investing in, Ionly know the Mutual Fund House.
Even though selecting an established mutual fund house can be considered an important factor itis very important to understand the scheme as well before investing. Every individual has financialneeds and goals. Your needs could be tax saving, regular income, wealth creation or saving. Yourgoals could be long term or short term. There are various mutual fund schemes which can helpyou in planning for different goals making it important to understand which scheme can help youplan for which goal, before investing in them

Myth 3 – I need a lot of money to invest in Mutual Funds
No, it’s not necessary that you need a lot of money to invest in Mutual Funds. For the convenienceof investors, there is a method called Systematic Investment Plan (SIP) through which you caninvest a certain amount in a MF scheme every month or a frequency you choose. The minimumamount varies from Rs. 50 / Rs. 500 / Rs. 1000 depending on the scheme selected by you andeven the fund house selected by you. You may start your SIP keeping your long term goals inmind such as your child’s marriage, higher education, buying a house or going on a vacationabroad.

Myth 4 - I never know when it is the right time to invest.
Mutual Funds are managed by a team of experts who constantly track the markets, identifymarket trends, research & analyze various industries & economic conditions while makinginvestment decisions. It is more important that you invest regularly and stay invested for the longterm; leave the management of your money to the experts.

Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.

Diversification could pay dividendsFor most people the aim of diversifying their savings and investments is to reduce ri...
09/01/2014

Diversification could pay dividends

For most people the aim of diversifying their savings and investments is to reduce risk. This is a creditable approach but the proof of its creditability can generally be seen over the long term.

Investment cycles
The fact is that ALL investments tend to work in cycles. With a diversified range of investments, whether this is based on asset type or geographical area, history has shown us that when one might be going down there is another going up. If everything moved by the same amount, albeit at different times, there is the risk that, over time, nothing would be accomplished as the ups would merely counter the downs.

How do you choose your investments when you are an expatriate?Whether you are seeking to provide money for the education...
23/12/2013

How do you choose your investments when you are an expatriate?

Whether you are seeking to provide money for the education of your children or grandchildren, a world cruise when you retire, a career-break, or simply to assure your own long term financial security, it is important to make the right investment choices.
More more information contact@ 9926374222

23/12/2013

Are you saving correctly and sufficiently for your financial goals like retirement, children's education, buying home.

Mutual fund provides highly safe funds to highly risky(volatile) funds which provide different rate of returns. Each of these are suited for your different financial goals.

Complete financial planning and wealth management will be provided.

Contact - [email protected]

Do you know what does minimum balance in your account actually mean and how it is calculated?What minimum quarterly bala...
16/11/2013

Do you know what does minimum balance in your account actually mean and how it is calculated?

What minimum quarterly balance imply in saving bank accounts? Whenever we open a saving account we are told that you have to maintain X amount of minimum balance. What really does this minimum balance imply?

Let us understand this with a simple example:
Suppose your bank account has a rule to maintain minimum balance of Rs.1000 on quarterly basis.
Let us take the quarter as January to March (90 days).

And you have the following balance:
For first 15 days you have Rs.1500 in your account.
For the next 50 days you have Rs.800 in your account
For the remaining 25 days you have Rs.1200 in your account

Your quarterly balance will be calculated as follow:
15 multiplied by 1500 = 22,500
50 multiplied by 800 = 40,000
25 multiplied by 1200 = 30,000

Now these balance would be added up i.e. 22,500 + 40,000 + 30,000 = 92,500
This addition is done on daily balance basis.
Now averaging is on daily basis, therefore this 92,500 will be divided by 90 days.

Which will give us – Rs.1,028 as our average quarterly balance.
Because in this example the average quarterly balance is above Rs.1000, no penalty will charged.

What is Value Investing ???Everybody loves a good bargain as it gives us the Best Value for Money. Just like a Good Barg...
09/11/2013

What is Value Investing ???

Everybody loves a good bargain as it gives us the Best Value for Money. Just like a Good Bargain, Value Investing is all about :

1. Buying good Companies at a Discount to their Value.
2. Investing at a Lower price than what is justified by the Co.'s long term fundamentals.
3. Investing for your Long-Term Goals as it does not provide for instant gratification.

Value Investing helps in diversifying your Investment portfolio and should be a part of your overall Investment Strategy. To know more about Value Investing Contact Nitin Verma @ 99263-74222

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Jabalpur
482002

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Tuesday 10am - 8pm
Wednesday 10am - 8pm
Thursday 10am - 8pm
Friday 10am - 8pm
Saturday 10am - 8pm

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+919926374222

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