Category : Investment Advisory

Investment Advisory

Women and Financial Independence

This is based on the lives of 4 women I know personally who have been cheated by their husbands. I am not getting too much into the details, but all the 4 stories have had a pattern….

H and W get married…live well. Then the H turns and says “listen why do you not look after the family and be a housewife”. In some cases the wife said “I will stay at home” or the husband says “stay at home”.

So the 28 year old woman gives up her job and becomes a housewife. Great.

Then one fine day the wife finds out about the “other woman”. In one case it was after the “other woman” was pregnant.

Wrong? Right?

None of my business. I am not passing a value judgement. Just saying that the spouse who wants to separate plans in advance and changes all the assets to single name. The other spouse will not know about this. I have seen women changing (when they wanted to leave their husbands for a different guy), and have seen men doing it too.

So how do women keep their independence in place if they give up their careers for looking after the family?

Well. I do not know. I would suggest the following:

The wife should take a salary from the H to look after her house/ their house whatever you want to call it.

What should she do other than this? Make sure that she is a joint holder of the property in which they live or a house of equivalent value in a location where she would like to live.

She should make sure that her husband’s life insurance policies are in her control and she sees her name as a nominee. No compromise on that. She should also ensure that SHE has enough cash flow to pay the premium on HIS LIFE. Her life insurance does not matter – she would be dead for it to be claimed.

She should have some investments at least which are in her name – the H could be the nominee. Make sure that there is at least one bank account where the W is the single holder.

If the parents of the W are dependent on her then there should be some life insurance in which her parents are the nominee.

What about the kids? Well it is the parents responsibility.

I know of fathers who have said “I do not have money” for their kids education. Our maid pays for the children’s education. I have no clue why he does not contribute, but I hear from her that he does not and she has to bear the costs herself.

Think about your financial independence and the financial fidelity of your husband before you chuck the job….

SOURCE- Subramoney


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Investment Advisory

If You Want Better Tomorrow, Start It Today….


SIP ( Systematic Investment Plan) is one of the greatest tool to create wealth in long term.

You have to start saving today.

Develop a regular savings habit. Avoid all unnecessary wastage’s of money. Savings is necessary if you want to build up your portfolio and achieve your financial goals. There’s no other way around it.

If you want to learn more about our smart plans Contact Us or Visit Our Office

CALL US ON 0231-2656520


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Investment Advisory

To Build Wealth Using MUTUAL FUNDS

MUTUAL FUNDS sahi hai !

Mutual fund Investments Are Subject To Market Risks, Read All Schemes Related Documents Carefully

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Investment Advisory



Today, both men and women need to plan for retirement. With rising inflation, goods and services have become really costly. If you struggle with bills today, how will you pay the bills after retirement, when you don’t have a job? So why do women need retirement planning? Women in India have a higher life expectancy than men. Married women are also generally 3-4 years younger than spouse.

There are chances, women can outlive their husbands by a decade. While men plan for their retirement, chances are they might have forgotten to keep sufficient money aside, if their spouse outlives them.

So women, this International Women’s Day, there is something important to do.

Good retirement planning. Want to know more on retirement planning? We at Vision Money Mantra will make it easy for you


Contact 0231-2656520 or DM us

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Investment Advisory

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Investment Advisory



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For Further Details Contact Us On – 0231-2656520


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Investment Advisory

Smart Investments for Smart Future…START SIP TODAY ✨💰


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Investment Advisory

Have you SAVED for Higher Education for your child ???

Do you know what your child will become & at what expense ?
Education cost is increasing !!!
Start SIP Investment Planning Now…& secured your child’s future
Call our expert financial advisor 0231-2656520 ; 8624892442 for further details


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Investment Advisory

Information About SWP

Systematic Withdrawal Plan (SWP) is the withdrawal of fixed amount of money from an investment on a periodic basis. Well, as per the fundamentals, mutual fund investments should be withdrawn over period of time; and never on a lump sum basis.

This helps to take advantage of the sales price averaging. It works on the same principle as Cost Averaging. Average sales price will work out to be higher if withdrawn in a periodic manner than in one-time withdrawal.

Systematic Withdrawal Plan Options

There are 2 types of Options available in Systematic Withdrawal Plan –

1) Fixed Withdrawal

In this case, a fixed amount of money is withdrawn every month by redeeming the required number of units, which is based on the NAV of the mutual Fund at the time of withdrawal.

Example: 1000 units are present in the mutual fund and the NAV in the current month is 10. The withdrawal amount requested is Rs. 900. Hence, 90 mutual fund units will be redeemed to fund the withdrawal.

2) Capital Appreciation

Here, a certain percentage of the capital appreciation is withdrawn on periodic basis. If the fund appreciation does not match the requested withdrawal amount, then payment in that period will be withheld and pay-out will be made in the subsequent period. Generally, growth funds are preferred for this option.

Example: For a quarterly Systematic Withdrawal Plan, the withdrawal requested is Rs. 500. If the capital appreciation has been Rs. 600 and 90% of capital appreciation is permitted, then Rs. 540 will be deposited in the investor’s bank account at the end of Q1.However, due to the downturn in markets, if the capital appreciation in Q1 is only Rs. 450. Thus, the payment will be withheld and paid in Q2 along with payout for Q2 i.e. Rs. 450 + Rs. 540= Rs. 990.

Key Benefits of Systematic Withdrawal Plan

  1. Money when you need it

Systematic Withdrawal Plan allows account holder to access their money exactly when they need it. This helps individuals to achieve their financial goals.

  1. Regular Income

It allows investor to withdraw money on a periodic basis. Thus, investors do not need to withdraw everything at once. This way, Systematic Withdrawal Plan helps achieve a higher average sales price. Also, timing the market is not necessary to ensure that best sale price is available.

  1. Tax Advantage

Systematic Withdrawal Plan offers tax advantage as long term capital gains have a lower tax rate. Tax Deducted At Source or TDS is not applicable.

Systematic Withdrawal Plan can be set up to withdraw only the capital appreciation amount. In this way, one can enjoy the gains while the capital still stays invested.

How does Systematic Withdrawal Plan work?

Nothing can be more blissful than receiving regular income to fund the day to day expenses during retirement or funding your child’s tuition fees or any other requirement. What better way to have this than start a SWP.

Let’s take a look at the following example to see on how to apply Systematic Withdrawal Plan –

Janak has 10000 units of a mutual fund X. He has availed of Systematic Withdrawal Plan option and has instructed the fund house to withdraw Rs. 5000 on the 4th of every month. In this case, fixed withdrawals are made from the capital. Following table explains how this will work-

Month and Date No of Units Available NAV on 4th Units Redeemed SWP Amount (Rs) Units Remaining
4 Jan 10000 15 133.33 2000 9866.67
4 Feb 9866.67 14.5 137.93 2000 9728.74
4 Mar 9728.74 12 166.67 2000 9562.07
4 Apr 9562.07 13 153.85 2000 9408.22
4 May 9408.22 15 133.33 2000 9274.89
4 Jun 9274.89 16 125.00 2000 9149.89
4 Jul 9149.89 16.5 121.21 2000 9028.68
4 Aug 9028.68 15.5 129.03 2000 8899.65
4 Sept 8899.65 14.7 136.05 2000 8763.59
4 Oct 8763.59 14.3 139.86 2000 8623.73
4 Nov 8623.73 14 142.86 2000 8480.87
4 Dec 8480.87 13.8 144.93 2000 8335.95


In the above table, we can see that the initial number of MF units is 10000. On Jan 4th, the NAV is 15. Thus, units redeemed to withdraw Rs. 2000 is 2000/15= 133.33. This leaves us with 9866.67 units in month of Jan. Similarly, we can see how the units are redeemed in the following months.

Initial years of an individual’s life are spent saving and investing those savings in various financial instruments like Mutual Funds, PPF, etc. It is important that these savings are available to us in times when we need really need them.

If these are available to us in a periodic manner, then that can help in planning us in meeting more regular expenses like tuition fees for children, daily expenses in retirement, payment of premium for insurance policies or any other financial purpose you can think of. SWP can help achieve all this.

It’s a matter of opening your mind and seeing where Systematic Withdrawal Plan can be really helpful to us.


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Investment Advisory

Information About STP

Systematic Transfer Plan or STP refers to an investment plan wherein fixed amount of money can be transferred from one mutual fund to another on a specified date.

This transfer can be made on a weekly, monthly or quarterly basis. Systematic Transfer Plan is generally used to reduce exposure to equities or increase exposure to equities depending on the market conditions; but over a period of time.

This works just like the (Systematic Investment Plan) SIP except that; here money is being transferred from one mutual fund to another, rather than from a bank account. The mutual fund will reduce the number of units equal to the amount you have specified for transfer.

For e.g. If `1000 needs to be transferred from fund A to B, then units of fund A worth `1000 will be sold and transferred to fund B.

Benefits of Systematic Transfer Plan

Let’s look at the benefits of Systematic Transfer Plan –

1) Like a SIP

You can invest a lump sum amount in one mutual fund and have a fixed amount of money transferred to another mutual fund on a periodic basis, just like an SIP would.

2) Like Systematic Withdrawal Plan

When you feel that markets are risky and might go down, you can have money transferred from an Equity fund to a Debt Fund. This will help reduce your exposure on equities.

3) Provides Good liquidity

This is the benefit you get by investing in any mutual fund. Since your money is invested in a debt fund, you can sell the units anytime in case of an emergency or otherwise, and you can have liquid cash in your account in no time.

4) Capital Appreciation

You will benefit from the rise in NAV of the Debt fund or Equity fund that you are invested in.

5) Flexibility

In most funds, fund units are sold so that specified amount can be transferred to another fund. Some STPs provide options wherein only the capital appreciation can be transferred.

So, does Systematic Transfer Plan sound like a new generation financial instrument? Well, here’s how you can make most of it. Let’s look at some scenarios below to see how Systematic Transfer Plan can be beneficial for us.


Scenario 1- Debt to Equity

Now what do I mean by saying Debt to Equity. Money is invested in a debt fund and then transferred to an equity mutual fund on a periodic basis. This is useful when a large sum of money needs to invested in stock markets and timing the market might not be a good option due to volatility in the market.

Let’s take a look at the following example. Nisha has recently inherited `10 lakhs from her father. She has a keen interest in putting this money in stock markets but is apprehensive that she might lose all of it, as the market has been very volatile. Here’s how Systematic Transfer Plan helps her-

1) She invests `10 lakhs in XYZ Debt fund.

2) She can invest the entire amount in a liquid fund or a short term bond fund as this will give her stable returns. Also, the NAV of Debt funds or Liquid fund do not fluctuate much, assuring that the value of her investment will not drastically decrease in response to market movement.

3) She then opts for the STP wherein, every month or whatever interval she prefers, a pre-determined amount of money can be transferred to an Equity Diversified fund.

4) In volatile Stock markets, this helps reduce her risk of timing the markets to ensure that she gets a good purchase price.

Systematic Transfer Plan

Scenario 2- Equity to Debt

This strategy is useful when you want to cash out when you retire.

Look at Shirish’s example, who is now retired and wants to cash out the money he has invested in an Equity fund and reduce his risk. He has accumulated `15 lakhs in an Equity fund but does not want to pull out all the money at once. Here is what he can do-

1) He starts an STP to transfer money from the Equity fund to Debt fund or Liquid fund. This will help him reduce his exposure to equity.

2) He can sell the units of the Debt fund whenever he needs this money.

3) He can also start a Systematic Withdrawal Plan so that money can be transferred to his account on a periodic basis.

Scenario 3- Equity Fund to ELSS

Money can be transferred from Diversified Equity fund to an ELSS scheme of the same fund house.

Take example of Niraj who has accumulated 5 lakh in Equity diversified fund. He does not want to sell it and then invest the money in a fund to avoid transactions costs. This is how he can save his tax-

1) He makes a STP from Equity fund to ELSS fund of the same fund house.

2) Periodic transfers of the money are effected as per instructions.

3) ELSS will provide tax benefits as well.

Thus, in the wake of volatile markets, rising transaction costs and taxes, Systematic Transfer Plan can prove to be useful in many ways. So, when are you becoming ‘STP Friendly’!!!


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