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FactFolio, KOLKATA (2025)

01/12/2023

Your Age Matters 👍

27/11/2023

BudgetWisdom: Thrive with - 50% Needs, 30% Wants, 20% Savings. 💰✨

25/11/2023

Considering investing in MFs? 9 best large and mid-cap mutual funds to invest in

Investors seeking a blend of stability from large-cap stocks and growth potential of mid-cap stocks can consider large & mid-cap mutual funds. These funds offer several advantages:

Diversification: By investing in a combination of large-cap and mid-cap stocks, these funds effectively mitigate risk through diversification.

Growth potential: Over the long term, such mutual funds have the potential to yield higher returns compared to other types of mutual funds, tapping into the growth prospects of mid-cap stocks.

Stability: The inclusion of large-cap stocks in the portfolio adds a layer of stability to these kinds of funds, making them more resilient than pure mid-cap funds.

Tax efficiency: Investors can benefit from tax efficiency, as the long-term capital gains from these mutual funds are taxed at a lower rate than short-term capital gains.

Does investing in large & mid-cap mutual funds help?
According to SEBI regulations, large and mid-cap mutual funds must designate a minimum of 35 percent of their assets to equity and equity-related instruments of large-cap and mid-cap companies, respectively. Essentially, this requirement translates to these funds having to invest at least 70 percent of their assets in the top 250 companies based on market capitalisation.

The purpose of this requirement is to maintain the authenticity of large & mid cap mutual funds, ensuring that investors receive exposure to the foremost companies in the market. Additionally, this guideline serves to mitigate risk by focusing on companies that are typically more established and boast a longer track record.

The remaining can be directed towards alternative instruments, including debt securities and money market instruments. This adaptability empowers fund managers to fine-tune the fund’s risk profile and asset allocation according to prevailing conditions.

Gauging by fund performance
Historical market data indicate notable variations in the performance of large-cap and mid-cap funds over various periods. This discrepancy can be attributed to the typically established and longer track record of large-cap funds, contrasting with the higher volatility and potential for greater growth associated with mid-caps.

The performance of these funds is evident from the statistics shared in the following illustration.

Through the strategic allocation of investments between large-cap and mid-cap stocks, investors minimise risk and enhance the likelihood of achieving superior returns in the long run. The rationale behind this approach lies in the potential for one market segment to outperform when the other lags, effectively mitigating losses. This dynamic contributes to the sustained and reliable performance of these funds over extended periods, spanning a decade or more.

24/11/2023

Unveiling the Unmatched Benefits of Comprehensive Travel Insurance

Introduction
In the ever-shrinking global landscape, the significance of travel insurance cannot be overstated. As avid explorers ourselves, we recognize the paramount importance of safeguarding your adventures with a robust travel insurance plan. In this comprehensive guide, we delve into the myriad advantages that such coverage provides, ensuring your peace of mind and financial security during your journeys.

The Evolving Travel Landscape
In a world characterized by constant change, unforeseen circumstances can disrupt even the most meticulously planned trips. From flight cancellations to medical emergencies, the modern traveler faces a plethora of risks. Here, we break down the evolving travel landscape and how comprehensive travel insurance acts as a reliable shield against uncertainties.

Protecting Your Finances
One of the primary benefits of travel insurance is its ability to mitigate financial risks associated with unexpected events. Imagine having to cancel a trip due to a sudden illness or dealing with exorbitant medical bills abroad – travel insurance steps in as your financial guardian, ensuring you don't bear the brunt of unforeseen expenses.

Health and Well-being on the Go
Health emergencies don't take vacations, making it imperative to prioritize your well-being during travels. Our comprehensive travel insurance plans go beyond conventional coverage, offering extensive medical benefits, including coverage for pre-existing conditions, ensuring you receive the care you need, wherever you are in the world.

Unpacking Comprehensive Coverage
Now, let's delve into the nitty-gritty of what sets a comprehensive travel insurance plan apart from the rest.

Trip Cancellation and Interruption
Life is unpredictable, and so are travel plans. Whether it's a family emergency or unforeseen work commitments, our comprehensive plans cover trip cancellations and interruptions, providing you with the flexibility to adapt to unexpected changes without shouldering the financial burden.

Lost or Delayed Baggage Protection
Navigating airports and transit hubs comes with the inherent risk of lost or delayed baggage. Our travel insurance extends its protective umbrella to cover the financial repercussions of such incidents, ensuring you can focus on your journey without worrying about the contents of your suitcase.

The Unseen Protector: An Overview
In this section, we present a visual representation of how comprehensive travel insurance acts as an unseen but powerful protector during your journeys.

Making the Informed Choice
The world of travel insurance is vast, with numerous options available. To make an informed decision, consider your travel habits, potential risks, and budget. Our tailored plans aim to provide a holistic approach to travel protection, ensuring you have the coverage you need without unnecessary complexities.

Conclusion
In a world that is both interconnected and unpredictable, investing in comprehensive travel insurance is not just a choice but a necessity. As seasoned travelers and advocates for worry-free exploration, we stand by our commitment to offering unparalleled coverage, allowing you to embark on your journeys with confidence and tranquility. Choose the shield that travels with you – choose comprehensive travel insurance.

24/11/2023

Unveiling the Tata Technologies IPO, this article serves as a strategic compass for discerning investors. Navigating through subscription intricacies and decoding the Grey Market Premium, it provides key considerations on market trends, risk assessment, and a comprehensive analysis of Tata Technologies' financial performance, emphasizing profitability metrics and revenue streams. Shedding light on the company's technological edge through robust Research and Development, it also examines regulatory compliance and strategic partnerships, ensuring investors are well-informed for a confident venture into the promising realm of Tata Technologies' IPO.

For more information connect us, It's FREE 🌟

23/11/2023

Revolutionizing Insurance Purchases: Star Health Introduces UPI QR Code Payment

In a bold move, Star Health Insurance has unveiled a groundbreaking UPI QR Code payment option, transforming the insurance purchasing landscape. This innovative feature simplifies the process for policyholders, allowing them to scan a unique QR Code to swiftly activate coverage. With real-time transactions, enhanced security, and a user-friendly experience, Star Health sets itself apart, providing customers with an unparalleled and efficient way to secure their future. Say goodbye to delays and complexities; embrace the future of insurance with Star Health's UPI QR Code payment.

For more information connect us, It's FREE 🌟

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