Ladder7 Financial Advisories

They need to ask the right questions while forms are put before them to sign. Simple questions probing about features & benefits of investment products and how they address their needs.

Dividend transfer plan- low risk way to invest in equity MF

Risk averse investors, especially retired individuals want to take exposure to equities. But find it difficult to invest in equities due to possibility of capital erosion. DTP can offer them a means to invest in equities without risking capital.

Budget 2015: Count the blessings…they do add up!

Union budget is seen as a let down by many individuals. However there are some positive announcements that can bring in some enhanced benefits

Long tenured tax free bonds may come back in Budget 2015

Budget may not introduce big changes. However there can be some small changes in tax rates, tax slabs and modifications in instruments that fetch tax exemption.

You need an open mind to invest and achieve goals

One should not have fixations about asset classes and be prepared to invest in an appropriate basket of securities as per the dictates of the life cycle

Clients need to have open mind to receive financial advice

We find clients who come to us for advice and then start advising us! Some of them come with fixed ideas of what they would want in the plan, irrespective of whether it is desirable or not. It is in those cases, we have friction. We may not know about it in the first consultation or when they send the information.

When should you buy your retirement home?

Retirement is another aspect that talks to the deeps. People want to have enough in retirement so as to be able to live in comfort. People dread the possibility of depending on their children, which today is indeed an uncertain prospect.

Should you consider investing in Liquid funds?

There is a way to manage liquidity/ contingency funding requirements while earning a decent return on the amounts deployed towards such funds.

Here's what couples need to know about managing finances

Joint bank accounts are fine when it comes to expenses. Each spouse can transfer a predetermined amount into that account for expenses. But from an income tax point of view, it is better to maintain separate accounts from where the investments are made.

How MF dividends are different from company dividends?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, in the case of mutual fund dividends as the Net Asset Value (NAV) goes up and the mutual fund house wants to reward the investors.

What is SIP? How to make best use of it?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, The SIPs give the advantage of rupee cost averaging, by which we mean that whether the market is low or market is high.

How does a systematic withdrawal plan help an investor?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, in the case of SWP you already have a corpus and you want to drawdown some money on a systematic monthly basis, quarterly basis, weekly basis or whatever basis you want.

Who should take life insurance?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, you need to take a life insurance only if there are dependencies or when there are liabilities, not otherwise.

How to analyse the performance of mutual funds?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, the correct way will be to benchmark mutual funds against the index which has been chosen by that particular scheme and benchmark it against the category.

What are bond/debt funds? Who should invest in them?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, debt mutual funds also invest in the same category in the sense that they are 100 percent invested into debt category only and this is also liquid from your standpoint.

Difference between hybrid and MIPs?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, MIP invests bulk of its money in debt products and maybe 5 percent to 25 percent in equity products to give that kicker.

What are the best options to invest in gold?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories,there are several advantage of investing in ETF; one is it is a financial product so long-term capital gain kicks in after one year plus you do not have to worry about the purity of gold.

Understanding Gilt Fund as an investment instrument

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, Gilt Fund is a good fund to invest in. It can give anything between 7-7.5 percent kind of return over the long –term.

How to analyse the performance of mutual funds?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, the correct way will be to benchmark mutual funds against the index which has been chosen by that particular scheme and benchmark it against the category.

How to invest in mutual funds online?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, today all the fund houses have also provided for this online investment. One could also apply to the fund house.

How to decide if NFO is an appropriate one?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, an NFO does not have any track record. There are a whole lot of funds which have excellent track record and you should be looking at that instead of an NFO.

What is rupee cost averaging?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, as investors what we normally tend to do is that we tend to invest when the markets are going up and we tend to clam up when the markets are coming down.

How to invest in best mutual funds?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, one needs to first evaluate what kind of asset allocation is required for meeting your long-term, medium-term, short-term goals. Based on that there maybe an allocation to large cap funds, midcap funds, indexed funds, overseas funds, debt funds.

Why should you invest at all?

According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, invest for the future keeping in mind your long-term, medium-term and short-term goals.

How you wish you had invested in FDs instead of equities

An investment is done with some view in mind. It is never investment for investment‘s sake or with the motive of getting maximum returns.