Mutual Fund Advice: Are Mutual Funds a Smart Investment?

 “Life isn’t about money, It’s about what you do with it”

In today’s economy with many people worrying about their financial future, it stands true that investing in a better future begins with what you do today. While popular money journals and magazines flood with stories of people who made it big by investing early on in a stock, those stories are a rarity.

Mutual Funds Advisor

While it’s true that many made it big by investing early on in companies such as Apple, there are still others who struggle to even make a big decent return without notably increasing risk. While you may not accumulate riches overnight, mutual funds may be your answer to investing in a better future.

Mutual funds are professionally managed with investments in stocks, bonds and treasury notes with funds pooled by a group of other investors. What this essentially means is that your holdings represent a diverse portfolio and you have basically have ownership in those investments.

By no means is a fund going to make you rich overnight but it is an excellent way term investment. The decision to invest in a mutual fund ultimately depends on you and whether you are willing to take mutual fund advice from others to invest in a better future.

So are mutual funds a smart investment?

When someone has little money to invest with, they want to very careful about where they choose to put funds they have. This is understandable, since there are always risk involved with making an investment. Mutual funds, for many reasons, are fairly smart investment for someone who is not working with very large amount of money.

Someone who does not have a lot of money to invest may be in that situation because they are new to investing game. Mutual funds are great for beginners because most companies go out of their way to make it as easy as possible to do business with them. Investors have the option to handle their finances either over the phone or online. In addition, they can buy or sell their mutual funds on any business day.

mutual fund consultant in tricity

One benefit that investors with a lot of money have is that they are usually able to hire a mutual fund advisor to keep an eye on their stocks. A mutual fund comes with a fund manager that keeps up with what is going on with all of the stocks in the fund. This is a great way to level the playing field for people who otherwise would need to manage all of their own investments and may not have the knowledge to do so properly.

However, a mutual fund is also a great idea for someone who does not have a lot of money to invest because they often have low minimum investments. With some stocks, the minimum investment could be upwards from twenty-thousand dollars, and this is just not possible for many people. It is often possible to invest in a fund for just a few thousands.

The points should be taken into consideration while investing in Mutual Fund scheme:

  • Time horizon: It is most important factor. If you are long term investor there is chance of getting better returns. In this case you can exit at any time when you have made sizable profit.
  • Risk taking aptitude: It is also most important factor, if you are afraid for losses in short term you should avoid investing in equity schemes. In such case you should go for hybrid schemes or pure debt schemes. Investing in pure debt scheme is more profitable than investing in Banks & Post.
  • Diversification: It is better to invest in diversified schemes for new investors. For customized investor, who is capable of tracking his investment and market conditions, sectoral schemes is best option, in sectoral schemes timely exist is important.

Mutual Funds For Beginners

  • Diversification by schemes: It is always better to invest in different schemes of top mutual fund houses that to put all money in one diversified scheme.
  • Past performance: It is the most essential criteria and hence one should view the historical performance of the scheme. Considering returns for the period of 1 Year, 3 Year, 5 Year and since inception will help you to take your decision. The scheme which outperform in all types of returns category is safer choice for investment.

These are just many reasons why investing in mutual funds might be a good choice for you. But don't stop here. The world of fund investing is much, much bigger.

Beeline Wealth is independently owned and locally operated to handle your mutual fund needs. We believe that experienced mutual fund advisor can best serve your needs.

To know more about mutual fund consultant or mutual fund advice in Tricity. Please visit,

Tax saving on your mind? Invest in ELSS Funds

It has been well said by Benjamin Franklin that “In this world, nothing can be said to be certain, except death and taxes.”

For most people, tax saving is seen as something that is time consuming and difficult, and is considered an activity that requires massive amount of effort. The very thought of it is enough to make most ordinary investors nervous. However, some lawful means of saving tax exists and the best part about such ways is that they help an individual grow there wealth and save the taxes in process.

Commonly, such tax-saving investment plans come with a lock in period. If you're hoping to save money on taxes, then the best way to do it is to invest.

While you could trod on the tried and tested method of investing in the Public Provident Fund (PFF) or the National Savings Certificate (NSC), you should also try to invest in mutual funds.


You might be surprised, as you expect taxation on mutual funds - but you need to know where you can invest your money so that you can limit the amount of taxes you pay on it. The best way to go is Equity Linked Savings Schemes or ELSS. They're also rather popularly called tax saver mutual funds.

What’s the big deal about it?

Well, on the lock in period does exist - it is considerably lower than for either the PFF or the NSC. The period is for three years, against the PFF's 15 years and the NSC's 6 years. There are different funds that you can choose from, ranging from those that give your growth or income; depending on what it is you want from the funds. The interest rates are better for ELSS when you compare it to either the NSC or the PFF.

Benefits of investing in ELSS:

  • Income Tax Benefit: With ELSS, investors can get a tax deduction of up to Rs. 1.50 lakhs under section 80C of the Income Tax Act of 1961.
  • Short Lock-In Period: The three year lock-in period of ELSS funds is much shorter than the lock-in periods demanded by other investment avenues like PPF or NSC under section 80C of the Income Tax Act.
  • Tax-Free Dividends/Capital Gains: All dividends that are declared under ELSS are exempt from tax. When ELSS units are sold, the profits made from the sale are considered as long-term capital gains and are tax exempt.


  • Higher Return: In the case of ELSS funds, a large part of the fund is invested in equity. Equity has the potential to generate wealth in the long run, even though it is affected by short-term volatility.

Investing in an Equity Linked Savings Scheme is a great solution for certain types of investors. If you are an investor looking to generate wealth over a long period of time, then ELSS is a good investment for you. If you are looking to invest in something that will provide you with tax deductions under Section 80C, then ELSS is an investment that should definitely be considered.

Things to consider while investing in ELSS:

When you're looking for a mutual fund to invest in, make sure you compare these factors with each other, so that you get an idea of what you're in for.

  • The expense ratio is an important consideration. It shows how much of your money is going to expenses of the management before the rest goes towards investment. Needless to say, the expense ratio that is lower is better for you.
  • The Sharpe ratio also needs an eye kept on it. This shows the level of fluctuations that the fund undergoes - showing whether or not the decision-making is sound. Sound decisions are likely to give a stable ratio; and less than sound decisions could make the ratio fluctuate madly. So a stable ratio is what you're looking for as far as the Sharpe ratio is concerned.
  • Other than this, you can also choose from the large, mid and small cap investment opportunities. Generally, the large caps are preferred for the ELSS.

Mid-caps and small caps can be quite a risky venture, so if you're investing make sure you have sound knowledge of what you're doing. You need to know your documents well and ensure you do your research before you go ahead and put money in. Because once you've put your money in, you're stuck there for three years.

Insurance Management Consultants: Are Insurance Agents Still Relevant?

With online insurance getting more attention, is there still room for insurance agents in the market place?

"Would insurance profession obsolete like keypunch operator or typewriter?"

No, insurance agents are still relevant.

"Do we still require the service of insurance agents?"



Insurance is still people business. We need to connect with people.

We can't shake hand over internet. We can't establish human touch with online customers. We can't talk to them eyeball to eyeball. We can't see their facial expression and we can't hear their voice. We don't know if they frown or smile. We have no clue if they sound certain or hesitant. We are not able to tell if they have hidden concerns or worries that would have been obvious if we are face to face with them.

Insurance agents are still relevant and probably more than ever in internet age. E-Commerce has replaced human in many business transactions. Ironically, this creates a huge vacuum in human needs for affiliation and connection with people.

People probably need attention and care more than ever. That explains why caring professions are predicted to be in great demand in years to come.

Irrespective of what happens, insurance agents have an important role to play. Insurance agents are to help people plan ahead against any unforeseen event that may have significant financial impact on them.

There are 3 reasons why we need the service of the insurance agent:

1. Managing financial affairs can be a complicated process. There are many things to consider from financial security to estate planning, from education planning to retirement planning, from investment strategies to tax implication, etc. We need agents' help to put all these jigsaw puzzle pieces in the right perspective so that we understand our financial situations from a broader angle.


2. Medical diagnosis is always followed by prescription of medicines. Similarly, after fact find, an insurance advisor will analyze the customer's financial situation and priorities. The agent will then take into account of the customer's affordability, age factor and underwriting considerations to decide what sort of advice to be given. The agent has the knowledge where to get different plans from different companies before presenting the customer the packaged solutions in a more cost effective manner.

3. Everybody has unique financial situation and considerations. There is no one-size-fit-all product that can take care of specific needs of every individual. Getting an insurance plan without seeking professional advice from an insurance consultant is like taking aspirin as a quick fix to get rid of headaches without consulting any doctor. A person may end up getting himself an insurance plan that does not meet his needs like a patient ends up suffering from side effects caused by aspirin.

Insurance agents should always regard themselves as financial doctors who are in the position to analyze the financial situations of the people before prescribing the right financial solutions.

Many people may appear healthy, but if you take a closer look, a lot of them may have financial cholesterol. Many more suffer from financial hypertension and financial cancer. That explains why hundreds of thousands of people become bankrupt for not able to manage their financial affairs properly or become despair for lack of planning to encounter unforeseen events.


We need insurance agents to take care of our financial security just like we need medical doctors for the right medical treatment in order to stay healthy and stay free from sickness and pain.

"Is Online Insurance a Threat to the Existence of Insurance Agents?"

The answer is no. Not now and not in foreseeable future. Probably online insurance does more good than harm to insurance agents. With more insurance awareness created by internet, insurance agents can help online insurance customers further enhance their coverage from basic to a more comprehensive one. Only insurance agents can provide advice and solutions unique to the customers' situation.

Beeline Wealth is independently owned and locally operated to handle your insurance needs. We believe that experienced insurance agencies can best serve your insurance needs. Our experienced staff will assist you in finding just the right combination of tailored, personalized insurance coverage at just the right place.

To know more about insurance advisor or insurance management consultant. Give a call 99880 85522 Or mail at .

Home Loan Advisor: Why You Should Consider Using Advisor For Your Home Loan

New year has already arrived, and 2019 is bringing in a whole new generation of essentials, and one such essential is buying a home.


A beautiful home is everyone's dream, but to make that dream come true is not an easy job. However, a home loan is one of the easiest ways to make that dream of yours come true. Nowadays, not just the banks provide loans; there are private financiers and home loan advisors. But, the real task lies in finding the right loan so that you do not end up paying more interest making it financially burdensome. So, in order to find the best possible loan, you must seek proper home loan advisor, and do a bit of research.

Let us help you understand this better.

Consider for a moment that according to 2018, loan advisors made up 30% of household formations. How much of that business did you see?

Choosing the right home loan advisor may be one of the biggest decisions you are going to make or break your current struggle for better financial situation.

What we discovered is, there are few key ways loan advisors can help buyers realize the dream of homeownership. Therefore, it’s important to take action and understand the demographics that assists you are in a financial crossroad. You will undoubtedly gain advantage from acquiring the services of a certified home loan advisor who will stay throughout the stressful lending process. However, a reliable home loan advisor also offers free access to a variety of loan options and makes the process straightforward and less stressful.

And, most importantly, they help prioritize your welfare.

So, to eliminate such confusion forever, here we have listed a few points of how home loan advisor can do for you:

Time Saver

Rather than you spending too much time looking for banks and lenders and going through all the details of their home loan products, the brokers have access to variety of cutting edge home loan selections.


Expert Advice

Part of their job is to know and understand your personal and financial situation and find an appropriate home loan alternative which will fit you most. Even if you had a bad financial history, a reliable advisor will be able to help you find a home loan that fits you.

Stress Eliminator

You will not be doing the paperwork all by yourself. Your broker will stay with you all throughout the process starting with the application all the way up to the submission of your papers for approval. They will keep you posted along the way. As soon as you have secured your loan, your broker can also assist and advise you over the life of your loan.

Other than these, loan advisors also work with a large number of various banks and lenders, integrating a variety of home loan products thus offering you extensive options.


However, make a thorough research before applying for an online loan. A little stress now will help you save good sum of money in future. Enjoy the ease of applying for a home loan with loan advisors.

Beeline Wealth is an end-to-end service that helps you with everything related to your home loans- identifying the right lenders to figure out the best tenure,interest rates to even balance transfers. We have established a company that solely focuses on providing our clients with smart advice and easy process with super speed because you’re home is the biggest investment and we’re passionate about educating you.

To know more about home loan advisor in zirakpur or loan consultants in Chandigarh, Call us at 99880-85522 Or Drop Mail at

Save or Invest? Surf The Wealth of Common Sense Like a Pro

We kick of the year 2019 full of optimism, gratitude, and excitement for the year ahead. After what was hopefully a good Christmas break we all are trying to raring to go, and apparently, as many as 50% of us feel that customary urge to set some resolutions for the year ahead.

The top resolution that we make are mostly related to weight loss, exercise, money etc. So even as a broad estimate, this suggests that 15% of the population in Tricity try to motivate themselves into better money management habits at the beginning of the year.

So, for this reason, we have decided to kick-off 2019 with something a little different.

Let’s get started.

In order to understand better money management habits one ought to understand the importance of savings.



The importance of savings can be understood only when one succumbs to an immediate need for funds. As propagated by the popular financial tycoon, Warren Buffet, one must first save funds from his revenue and then plan to spend the remaining, instead of going the other way round. Savings act as a short term shield against sudden emergencies and fund requirements, which could be anything from meeting a medical emergency or a wedding.

How are savings different from Investment?

Savings are significantly different from investment in many aspects. Savings should be made by keeping aside a sum of money from one’s monthly earnings, on a regular basis. Basically, a short term saving can help you meet immediate financial needs such as buying a car, arranging a wedding, planning a holiday trip or else, making a significant gift. Always bear in mind that savings are meant for meeting short term goals and hence, they should be parked in an investment which is less risky. Consequently, it will yield less returns but the investment will remain safe.

However, making an investment involves a large sum of money, which can be set aside in high yielding options that carry a significant amount of risk. This money is meant to meet your long term financial goals such as retirement and education of kids. Be prepared to earn higher returns on your investment as compared to savings.

What are the Prerequisites to Save and Invest?

Saving and investing are crucial financial decisions that demand major consideration and thought. They cannot, and ideally, should not, be made overnight but given some thought and analysis, to identify which proposals hold maximum potential in terms of returns and growth. Thus, before you actually invest your money in some option, make sure that you have enough funds to meet your expenses at least for a minimum of six months. This fund will hedge you against unexpected loss of income or loss in business.


Whether to Save or Invest?

It can be a little tricky to understand which financial goals require savings and which require investment. Let us take a look at some common financial decisions which could need your consideration:

  • You are planning to buy a new car as your old one is likely to be unusable in the next year ~ Save
  • In the next three years, you are planning to start a family and move into your own home ~ Save
  • Marriage expenses of your child when he is still 15 years away from marriage ~ Invest but the same would be recommended as a saving in case your child is older and likely to get married soon.
  • You plan to retire in the next 25 – 30 years ~ Invest

Things to keep in mind

While you save, don’t ignore your important expenses just because you want to grow your corpus. Make proper provisions for all your necessities. Avoid unrealistic expectations from your investments – they need time to grow. Draw a proper plan to meet your short, medium and long term goals without impacting your day to day life. For proper guidance and better results, always consult an investment planner from time to time.


Beeline Wealth is a popular financial advisory service in Zirakpur, which can help you choose the best course towards savings and investments. Connect with them today to know what is best for your portfolio.

To be an intelligent investor and know your funds better. Feel free to discuss your queries at 99880-85522 & Mail at .