Why is Equity Considered The Best Retirement Plan?

When it comes to retirement you need to make certain choices. So, if you wish to live a fulfilling retirement phase, then you not only need the correct kind of investments but also the right amount of time. Basically, you only have two choices; live a retirement life worrying about your financial aspects or retire and live an enjoyable life. 

What does retiring rich mean? It does not mean retiring with just enough to last for a couple of decades but the type of money that does not have the risk of running out. There are no actual shortcuts when it is about saving for retirement. Most of us don't receive stupendous salary hikes or fat bonuses. So, the choices we make will decide how comfortably we will live our retirement time. 

So, if you want the best financial advice, then visit the top experts like Wealthclock Advisors. They provide the best guidance and help to clear any such doubts. 

How is equity the most suitable retirement fund?

In order to retire comfortably and ensure a rich lifestyle, you should go for an investment option that will grow at a considerably higher rate than inflation. Equity is the best investment option in this respect. They have a historically proven track record of being always on top of inflation. You will see most rich people holding their wealth in the form of equity. 

Equity shows its true potential in the long run, like in the seventh year or so. The average growth rate of such investments in recent times has been 12% and it speaks highly about this scheme. They have often been regarded as the best investment plan with high returns in India. The rate is significantly higher than other similar schemes available. 

How is equity a helpful retirement solution?

Another advantage that equity has over other firms is that anyone in their early 20s can begin investing in them. And this gives them a whole lot of time to reap off the benefits of such safe investments with high returns in India. The phase of retirement can get extremely tough for people. And so, it is essential that they do proper retirement planning from early on.

Saving for retirement is a long term challenge. There is no other instrument other than equity that addresses long-term growth needs perfectly. Equity works perfectly over the long-term. 

Simple Ways To Obtain Better Results From Your Portfolio

Every investor aims to obtain good results through their investment process. But at times people are unable to achieve the same. So, they implement several tactics for this. However, not all of them are helpful and hence, they do not deliver the desired results too. Whenever you are facing a similar situation, make sure to get in touch with the most competent financial advisor.

We are a financial advising firm that offers excellent services to our customers. Our wide range of financial services are loved by our customers and they always look forward to taking valuable guidance from us. Your portfolio is very valuable and therefore, you need to take the best foot forward. Have a look at what we have to offer in our website.  

Meanwhile, check out the ways we advise that will help you to make your investment portfolio a better one! Choosing the best investment plan with high returns in India is not sufficient. You need to consider other things too while aiming to make your portfolio a strong one. We will discuss them below. 

Some effective ways to make your investment portfolio a stronger one

You need to spend a lot of time ensuring that your portfolio is a stronger one so that it can withstand the different conditions of the financial market. The steps mentioned below are helpful.

Assessment of risk-taking ability

The first thing that you need to do is a risk assessment. Every investor falls under some category or the other mainly aggressive, conservative or balanced investor. You may have a great life and have the potential to invest heavily, but you still need to understand your risk-taking ability. Your capability to handle loss is another factor that determines your risk-taking ability. 

A risk assessment will ensure that you select the best financial schemes that you can handle on the long-run and whose benefits will satisfy your investment. This will make your portfolio a rather strong one. There are many ways to assess your risk-taking capacity. You may contact a competent financial advisor for this purpose.  

We engage in this process and carry it off in the best possible way. Your risk appetite can also be evaluated through the tenure of your desired investment schemes. You will get the best Risk-Based Fund Recommendation in Wealthclock. 

Systematic Investment Plans

After evaluating your risk profile, the next thing that will help you to make your portfolio a stronger one is if you go for systematic investment plans. Wealthclock Advisors always recommend them over the lump sum investments for long-term goals. 

The best thing about them is that they work beautifully during volatile market phases and thereby, this is the reason behind their immense popularity among long-term investors. Your SIP returns will always be better than any other schemes. This is because they operate for a longer period of time and thus have the chance and potential to deliver superior results.

We at Wealthclock will always advise this step if you wish to strengthen your investment portfolio. They are safe investments with high returns in India. 

Diversification

This is an excellent step that you can take towards achieving a strong investment portfolio. The best thing about Mutual Fund Investment Plans in India is that they diversify across instruments/stocks. So, the best step that you can take in this regard is diversifying across asset classes as well as fund investment styles.  

This will help you considerably reduce risk and ensure that your portfolio is not easily affected by negative outcomes. We at Wealthclock, always advise this step to our customers. We believe in the power of diversification.

Some other ways to ensure an effective portfolio

Rebalancing

Asset allocation will not alone help. You need to engage in rebalancing too. The ratio will transform as your investment grows. So, this is when you should engage in the rebalancing process. A yearly review along with rebalancing of the asset that has helped those assets that have fallen will greatly help.  

Wealthclock Advisors offers excellent financial advising services and covers a broad range of subjects. Starting from financial planning to goal setting, you can always count on us for your financial needs.

Careful reviewing

You need to carefully review your ongoing investment schemes. Like for e.g if you own both large-cap and mid-cap funds and the former underperformed the latter then the reason behind this could be simply a not-so fruitful year for the large-cap stocks. So, it is imperative that you compare with that fund's own benchmark as well as similar category funds.  

Also, you as an investor need to stop expecting your fund to rise to the top of the performance charts every year. Even if they slip a bit, don't the decision of leaving them hastily. 

How Should a Newly Married Couple Plan Their Finances?

A couple who has recently begun a new journey of their life, in the form of marriage, need to discuss an utterly important topic; finance. There should be a common understanding relating to the financial aspect of their lives. When two people embark on a common journey together, then they should deal and handle their finances in a planned way. 

This is where a skilled financial advisor comes into the picture. In this case, a newly married couple should consult the best advisors in town in order to get a clear picture of how they should handle their finances in the right way. Wealthclock Advisors is a name that stands true to its reputation. So, what should be the ideal financial planning for a newly married couple? Let's find out below.

4 financial steps that one should take in this respect

An understanding of the existing finances

Both of them should clearly understand each other's post-tax income, financial position along with current savings. Calculation of their existing monthly expenses and prioritizing them should be taken into serious consideration. The couple should also ideally save at least 30% of their combined post-tax earning, as it is a recommended step by most financial advisors.

Discussion about important goals and milestones

There has to be a common understanding of both short-term and long-term goals. The former will include elements such as buying a house, retirement planning, children's educational expenses etc. They need the Best Investment Plan With High Returns In India, and for this, a session with their chosen advisors will be fruitful. 

The short-term goals include purchase of cars or going on a holiday and also saving for emergencies.

Fruitful investments

The emergency funds can be invested in different liquid funds in order to ensure easy liquidity, optimal earnings along with tax efficiency. For tax savings the couple can engage in those mutual funds investment plans that help to save taxes like ELSS. For long-term goals such as retirement, children's education, home purchase, a diversified portfolio would be quite useful.

Operational aspects

The couple should make the other partner a nominee in their respective investment and bank accounts. This will lead to a smoother asset transfer if there is a demise of one partner. There should be a transparency in case of bank account details like account number, ATM password among the couple as it will lead to easier access during an emergency. 

Top Ways to Reach Your Financial Goals Systematically

Every financial investor needs to have certain financial goals and objectives. If you are looking towards investing in a scheme, but do it on a random and unplanned way, then you will not receive the results that you were expecting. This will cause heartbreak and thereby, it is very important that you work hard and in a systematic way to reach your financial goals.

What advantage will you have if you set financial goals? Well, you will get a good idea about how to carry about your investment-related activities in the best way possible in the future. A crystal clear direction will help you to proceed in the right path that will ensure you have the best experience amidst your investment steps.

You need to contact the best financial advisors who will help you out in your financial advising process. What good will they do? An expert financial advisor will bring their experience into the play here and thereby provide you with the best ideas regarding the same. There are plenty of ways to reach your financial goals in a systematic way. They are mentioned below in this blog.

The best ways to reach the set financial goals in a systematic manner

Wealthclock Advisors in Mumbai is one of the best financial advisors present. They will help you out severely in this respect. Not every investor is able to set the best goals for himself and any wrong step can lead him to serious trouble. So, check out the ways mentioned below and set the most suitable goals for yourself.

Proper planning

Proper planning will give you the right direction that you need to follow. This will also help you save the required money. If you do not have the right idea of where to invest your valuable money, you may waste both your time and money. The best investment plan with high returns in India can be located through proper planning.

Realistic goal setting

You must make sure that you set achievable goals. This is needed as unrealistic goals can lead to expectations not being fulfilled. This will cause heartbreak and thereby, the goals will not be accomplished. Your goals should be set considering your present income level as well as what the future might be.

These were some of the best ways that will help you out if you are thinking about setting goals for the future and reaching them in a systematic way.

Thinking About Financial Planning? Know the Benefits of This Process

We all know that we cannot predict what the future holds for us. But one thing for sure, we can all be prepared for days to come. All of us have certain goals at different stages of life. When they are achieved, our life truly becomes how we wish it to be. But achieving them becomes a challenge. With the aid of proper financial planning, failure can be a distant thing!

The truth is that there are loads of benefits associated with financial planning. We must take the steps, involved here, in the right way and only upon doing this, will we be able to taste success. Life is very much uncertain and before we know, it can become a total mess!

So, financial advisors will always recommend to start financial planning from a younger age. We will check out the different benefits of financial planning in this blog. They will make readers aware of their importance and how useful they are towards the improvement of lives.

The distinct benefits linked with financial planning 

The beauty of financial planning is that it ensures the correct amount of money is available with people at the right moment in the future for achieving particular financial goals. Choosing just the best investment plan with high returns in India is not sufficient. Following the relevant steps is important, as the benefits related to them are quite appealing.

• Every individual has their own distinctive risk-appetite. The beauty of financial planning is that it is completely based on such risk-appetites and provides the needed road map to attain financial goals.

• Proper financial planning can help you to look at the bigger picture, in regards to your financial position. Also, it will guide you towards an examination of your present financial status along with the determination of objectives. To know more about the process, contact Wealthclock Advisors in Mumbai.

• Another big advantage of doing financial planning is that it will help you to devise strategies or plans towards meeting your goals, keeping your present situation and future plans in mind. Financial planning helps in the identification of weaknesses and thereby, you can improve them to achieve better results.

• Financial planning is the process of managing your valuable money for achieving financial satisfaction. The process will allow you to have control over your financial situation and thus provides you with the feeling of security. You will have lower stress levels! 

What are The Benefits of Investing in Mutual Fund Schemes?

The Indian financial market is a great place which has the ability to satisfy a lot of people. Most people love and crave to earn more money. An extended sum of money will enable them to fulfill a lot of their desires and wishes that are left unmet owing to monetary issues. So, people try out different ways of earning an additional sum of money. A lot of them target the financial market.

How is the financial market a great place in this context? Well, the place offers a diverse set of options to people, where they can invest their money. There are shares, stocks, mutual funds and other kinds of investment options. All these give people a wide range of options to select from. They just need to hire a capable financial advisor and they will help them obtain the best financial results.

Mutual funds are one of the best sources of income in today's time. They serve as a great investment option where people can obtain satisfactory results from. There are lots of benefits associated with mutual funds, that drives so many people to go for them instead of the other investment options present. This is discussed in this article below.

Why should every investor go for mutual fund investment schemes?

There are numerous benefits that are associated with this kind of scheme. This is one of the many reasons behind their immense popularity among Indians and most financial advisors recommend this to their clients. They are highly considered as the best investment plan with high returns in India. Their benefits are discussed below.

Simplicity

The entire mutual fund process is very simple and this is what makes them so popular among the public. People do not want any kind of hassle when it comes to their investment plans. A mutual fund does the exact same thing. They are easy to operate. One just needs to get hold of the best financial advisor who will guide them through the entire process.

Diversification

Mutual funds allow their customer the option of diversification. Here, diversification means in terms of funds. One can invest in more than one mutual fund at the same time. They will have a diversified stock portfolio. How will diversification help in the overall investment experience? Well, the stock market does not stay constant forever. 

Its nature and functioning vary with time. So, if one or two mutual funds are unable to deliver the expected results, investors can get assurance from the remaining ones. With the option of diversification, people can choose the best investment plan with high returns in India.

Affordability

Mutual funds do not require a lump sum investment at the start. One can begin with small and regular investment options too. For instance, the Systematic Investment Plans (SIP) fall in this category. This facilitates not-so-wealthy investors to invest their valuable money here too. The small initial investment is one of the main reasons for an investor to go for the mutual fund investment scheme.