Dreamzunlimited...

43 years of SENSEX - What should I expect while investing in Mutual Funds? *** Don't forget to look at the probability of negative returns within 5 years of investing *** There were 11,000 trading days in the last 43 years ! Observations on positive and negative return occurrences:   🔰 SENSEX delivered 𝟭𝟱.𝟱% 𝗖𝗔𝗚𝗥 returns over the last 43 years. 🔰 𝗗𝗲𝗰𝗮𝗱𝗮𝗹 𝗿𝗲𝘁𝘂𝗿𝗻𝘀 dispersion (CAGR) 𝟭𝟵𝟴𝟬-𝟭𝟵𝟵𝟬 - 21.6% 𝟭𝟵𝟵𝟬-𝟮𝟬𝟬𝟬 - 14.3% 𝟮𝟬𝟬𝟬-𝟮𝟬𝟭𝟬 -17.8% 𝟮𝟬𝟭𝟬-𝟮𝟬𝟮𝟬 - 8.8%.* 2020~ 2022 - 24.8% 🔰 BSE Sensex returns 15.5%, if we add an average dividend yield of 1.4% for the last 43 years. At 16.9% compounding the value of BSE is actually around 𝘁𝗵𝗲 𝟴𝟬,𝟬𝟬𝟬 𝗹𝗲𝘃𝗲𝗹.🚀 🔰 Longest 𝗽𝗲𝗿𝗶𝗼𝗱 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗿𝗲𝘁𝘂𝗿𝗻𝘀 was from 1994 to 2003. 9 years in total. 🔰 Since 2002, in the last 18 years 𝗡𝗢 𝘀𝗶𝗻𝗴𝗹𝗲 𝟳 𝘆𝗲𝗮𝗿𝘀 𝗿𝗼𝗹𝗹𝗶𝗻𝗴 𝗿𝗲𝘁𝘂𝗿𝗻𝘀 𝘄𝗲𝗿𝗲 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗿𝗲𝘁𝘂𝗿𝗻𝘀. This means since 2002 if you ever invested and ...

High NAV (or) Low NAV mutual fund -  Which one is better to invest? Lot of people believe that a high NAV fund is not a good one to invest!  Only reason: "It's NAV is high"!    As far as MFs, the NAV doesn't matter at all as it is just a notional number & does not reflect the "PRICE" of the fund. MFs invest in many stocks & it is the performance of the underlying stocks that matter. All mutual funds start with a NAV of 10 when they launch the fund (they can start with NAV of 100 or 40 or any number too - but for standardization it is launched at 10/- NAV - that is all. It does not mean that 10 is cheap or 100 is costly).  Let us consider 2 funds:    Fund A : 10/- NAV (a new fund in the market) Fund B : 100/- NAV (an existing similar fund in the market which has been there for years & hence the NAV is high).  Both obviously will invest in a set of stocks - we will assume that both invests in the same stocks & hence the same stocks w...

I have more than 5 to10+ years to retirement – Should I opt for Higher EPS Pension now? <Read Disclaimer at the end of the article (NOW or at least after reading this content)!> Our suggestions will be NOT to opt for the higher pension owing to the below reasons: An amount must be transferred from your EPF account to EPS now,  if you are opting for higher pension via EPS. This amount is not available for compounding till your retirement, which will affect the retirement corpus substantially. (This amount to be transferred will vary for every individual - You will have to check with your employer how much amount has to be transferred now). Also, further contributions to EPF will also decrease , as this will go towards EPS & which will further reduce the retirement corpus.   No Flexibility : In EPS there is no lumpsum benefit payable upon death of the person. The wife will get 50% pension throughout their life-time.  Whereas, if there is a lumpsum available t...

Below are the steps to purchase shares via e-wealth mobile APP :  Download "NJ E-Wealth Account" Mobile APP & "NJ E-Wealth CM" Mobile APP Login to "NJ E-Wealth Account" mobile APP (you can create personalized login name from Menu > Settings > Create Personalized Login). Use reset password, if you don't remember the password.  Once logged in, Transact > Stocks & ETFs Click "Manage Funds" > Funds Transfer & transfer required amount to the trading account Once the amount is credited which will quite soon, click on "Trade" in the previous page Capital Markets APP opens from where you can search for the desired stock you want to purchase - the stock page opens up, where you can click on "Buy" & enter the quantity of shares to buy in the displayed page.  Set "Limit" to define the exact price you want to buy the share; Else you can choose "Market" where it will be bought on the avai...