Maloo Investwise Pvt. Ltd

The  investment behavior  of most investors suggests that individuals save and invest insufficient, too late. It seems that almost all individuals take their investments seriously either once their kids are nearer to usurping higher studies or to be married or the investors themselves are nearing their retirement. But usually times in such cases, the capitalist would have little or no time left to achieve his/her goal and would need an unrealistic quantity of savings to achieve their goals over a brief span of time.  Just take a look at the image below to know how you can make a world of difference to your financial life by investing early and investing regularly with the best advice of  financial goal planner . In the age of 25 years Rs. 5000 a month invested till the age of 55 year...

To get higher returns, invest regularly through SIP, follow the markets and top up during falling markets Markets are like mood swings. There are ups and downs like it happens in mood swings and this is the market volatility. A very prudent investment technique called the SIP is used to beat this volatility and achieve rupee cost averaging. This means that the investor buys units by investing a fixed amount of money on a weekly or monthly basis in the mutual fund. Alternatively, he buys fixed number of units on a weekly or monthly basis, wherein the amount invested varies. By so doing he achieves rupee cost averaging. In the former scenario, the NAV is going down when the markets are falling and he is allotted more units, and when it goes up the NAV also rises and he is allotted lesser units. Accordingly, in the latter scenario of purchasing fixed number of units, the  investment  cost goes down in the falling markets and it rises in when the markets starts going up. Let...

We all make mistakes in life, but our mistakes in investment literally cost us dearly. Prussian leader Otto von Bismarck had famously remarked, “Only a fool learns from his own mistakes. The wise man learns from the mistakes of others.” Therefore, fiscal prudence demands that an investor learns from investment mistakes of others rather than his own. Various feelings, moods and sentiments, personality traits, perception, attitude, and emotions characterize investor behavior. Therefore, like all other humans, various biases affect his actions and decisions. These biases are heuristic, a mental shortcut that allows people to solve problems and make judgments quickly and efficiently. Such a ‘thumb rule approach’ reduces decision-making time because the person does not have to stop and think about his future course of action. Heuristics are helpful in many situations, but they also lead to cognitive bias, a limitation in objective thinking caused by the tendency of the human brain to perc...