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Tag:   Financial Goals

5 situations when you should review your financial plan

A financial plan helps you realise your financial goals, such as buying a dream home or car, travelling abroad, saving for your children’s education, wedding, and retirement.

Making a budget alone isn’t enough. Events known and unforeseen effect us and our finances in positive or bad ways. Don’t let your financial strategy get stale and keep up with the changing scenarios by periodically reviewing and balancing your financial plan.

Here are the five scenarios when you should review your financial plan with your financial advisor.

When everything is okay

Most of us make the mistake of getting down to planning or reviewing a financial plan when something happens. Instead, of waiting for that period, the best time to review a financial plan is when everything is going okay.  

When things are peaceful in your financial life and there isn’t a fire to put out, that is when you should build a financial plan since you have the energy and focus to do it.

Also, when you are reviewing your financial plan, you should also consider major upcoming changes such as switching to a career you love but losing access to equity compensation at your present position, or reaching a major life milestone, such as getting married or getting married.

Planning for the future circumstances will help you stay grounded in your financial realities and allow you to make better decisions and choices during hectic times or seasons of life.

Increase or decrease in income:

Changes in income plays a key role in financial planning. As a result, it is reasonable to assess your financial strategy once a year when your salary increases and make minor adjustments to your investments.

Other important occurrences, such as a promotion, a job loss, a long sabbatical, early retirement, and so on, might cause the proportion of your income to fluctuate dramatically.

Under these circumstances, your financial plan would need to be re-evaluated. Just as you can increase your investments when your income increases, you might have to cut investments in difficult circumstances.

Changes in your personal risk profile

Different individuals can take different risks. It is true both for life and finances. Moreover, it won’t be wrong to say that the risk tolerance may also change with time. The risk tolerance may depend on various circumstances such as our age, income and costs, emergency savings, financial responsibilities, insurance coverage, and time required to attain the desired goals, among others.

For example, you maybe able to take higher risk when you are younger, but as you get older, it may decrease. Similarly, if your income is high, you may be willing to take on more risk; yet, if your net income is low, your risk appetite may be limited.

Reviewing the risk profile is a continuous process. Modifications in risk profile must be accounted for in the financial plan through a review so that necessary changes in asset allocation and investments associated with each goal may be made.

Significant occurrences

Marriage, the birth of a child, the education and post-graduate education of your children, their marriage are some of the significant life events. All of these occurrences call for a review of your financial plan. It is because the financial plan now needs to be prepared after considering these important changes and the various requirements that come along with it.   

A financial plan review can assist you in identifying any gaps and taking necessary action. If you are getting married, for example, and you have purchased an individual health insurance policy, it is time to upgrade to a larger family floater health insurance policy.

New goals

If there is one thing that is constant in our life, it would be change. Over time, our goals and priorities change.  

For instance, when you are in your early twenties, your priorities can include taking a vacation every six months and spending a lot of money on your lifestyle. However, once you have children and a family to support, your spending habits and aspirations will change. You may be now investing money for your child’s foreign education.  To achieve these new goals, the existing financial plan may require a makeover.

Conclusion

A financial plan is based on your financial goals, which are based on what you know about your current situation. But life changes and it calls for a review of the financial plan to cater to the different changes. Here, we had discussed the five situations when you may carry out a review of your financial plan with your advisor.   

What are solution-oriented mutual funds?

Securities Exchange Board of India (SEBI) recategorised mutual funds in 2017-18. While SEBI did it, it also made another classification of some schemes. These were named solution-oriented mutual funds. Assets that were under the general equity funds category or balanced plans were renamed as solution-oriented plans. In this way, according to the recategorisation of schemes by SEBI, solution-oriented plans are one of the products that the asset management companies can offer to investors.

What are solution-oriented mutual funds?

Solution-oriented mutual funds are funds that have a portfolio that is intended to accomplish a particular objective, for example, retirement planning or a kid’s higher education. These funds are not exactly open-ended. They come with a base lock-in period. Previously, some of these plans had a lock-in of three years or no lock-in and an exit load for those who wanted to redeem the funds within three years. Later, an obligatory lock-in time of five years was announced. Presently, for retirement planning, the lock-in is for a period of five years or up to the time of retirement, whichever is prior and for a kid’s plan the lock-in period is five years or till the time the kid turns 18 years old, whichever is earlier. These assets offer tax benefits under Section 80C of the Income Tax Act, 1961.

Here are the pros and cons of solution-oriented funds.

The primary advantage of solution-oriented funds (if they are used for retirement) is that you don’t need to purchase an annuity as you do for the National Pension Scheme (NPS) or any of the plans that the life insurance organizations offer. Also, solution-oriented funds help you meet your retirement needs. How? You can go for the systematic withdrawal plan (SWP) to get your regular cash flows after you retire. You could do this for kid’s plans as well.

Numerous fund houses are offering schemes specifically for the higher education of the investor’s children. These funds follow a strategy to ensure capital appreciation at a gradual pace when the kid is still young. The funds invest in various securities in equity, debt and other investment products to accomplish the long-term capital appreciation objective. By and large, the investment starts right after the birth of the child. As a rule, if the child is young, you could choose an equity-oriented approach. The debt plans are for those whose kids are going to finish their schooling. You can switch between the equity and debt plans based upon the age of your child.

The primary disadvantage of solution-oriented funds is the obligatory longer lock-in period before which you can’t get the money. You can’t sell the funds in the event that you need cash. Another point is that you can’t change to another plan during the investment time frame. This is regardless of whether the fund lags its benchmark’s returns or gives low returns in the long haul when compared to other open-ended funds.

The chance of another open-ended mutual fund performing better than the solution-oriented fund is high. There are numerous mutual funds with a comparative portfolio and equity exposure of solution-oriented funds, that have performed well. For instance, ICICI Prudential Child Care Plan, which is a named solution-oriented mutual fund, has given an annualized return of only 3.45% over the most recent five years while the Motilal Oswal Focused 25 fund, which is an open-ended fund has given over 7.35%.

Along these lines, investment advisors frequently advise that it is smarter to put resources into open-ended plans with a solid portfolio and good trading strategies. Why? When one invests in open ended equity funds, the asset allocation is fundamentally the same and one can exit from the plan easily.

Are many solution-oriented schemes available?

After the SEBI reclassification, some of the fund houses renamed their funds or merged several schemes to make a new fund, just to categorise schemes under the solution-oriented categories of funds. So, actually many of the fund houses renamed their old schemes to make them solution-oriented.

For instance, SBI Asset Management Company (AMC) renamed its Magnum Children’s Benefit Plan as Magnum Children’s Benefit Fund. Now, the fund has a lock-in period of five years. Earlier there was no lock-in period for the scheme. HDFC AMC renamed Children’s Gift Fund Investment Plan to HDFC Children’s Gift Fund to add it to the solution-oriented funds category. Other fund houses too incorporated changes to offer solution-based schemes as per SEBI’s circular.

Top Solution-Oriented schemes

Schemes1Y3Y5Y7Y
Tata Retirement Sav Fund – Cons Plan(G)7.74%5.50%7.85%9.90%
Axis Children’s Gift Fund-Compulsory Lock in(G)1.44%5.22%  
Axis Children’s Gift Fund-No Lock in(G)1.44%5.22%  
HDFC Retirement Savings Fund-Hybrid-Debt Plan(G)6.29%5.06%  
Nippon India Retirement Fund-Income Generation(G)6.13%4.98%6.45% 
HDFC Retirement Savings Fund-Hybrid-Equity Plan(G)2.41%4.64%  
Tata Retirement Sav Fund – Mod Plan(G)5.66%4.50%9.55%16.04%
SBI Magnum Children’s Benefit Fund-Savings Plan5.30%4.49%9.84%13.08%
Franklin India Pension Plan(G)2.41%4.11%5.96%10.32%
ICICI Pru Child Care Fund-Gift Plan-1.53%2.64%6.32%13.34%
Principal Retirement Savings Fund-Cons(G)1.85%2.19%  
LIC MF Children’s Gift Fund(G)-1.27%1.03%4.40%7.77%
Tata Young Citizen Fund2.37%0.10%4.22%8.57%
ICICI Pru Retirement Fund-Pure Debt Plan(G)9.85%   
Aditya Birla SL Retirement Fund-50 Plus Plan(G)5.56%   

NAV data as of Sept 30, 2020

Who should invest?

These schemes could be considered by those investors who want to save money for their retirement or children’s education/marriage savings using mutual funds and are not very confident about how to choose funds. Solution oriented funds may be suitable to those who don’t know much about asset allocation or don’t do any portfolio rebalancing.

Note that even though solution-oriented funds could offer higher returns when compared to schemes of traditional life insurance companies, they might not give returns that are more than that of open-ended equity funds. Those who can afford to keep their funds for a longer duration can look at investing in solution-oriented funds. Note that solution-oriented mutual funds come with very low expense ratios if you choose the direct plans. This might eventually lead to higher returns.

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Stockslow volatility fundlow volatility stocksLRSLTCLTCGLTCG in Mutual FundLuminar Technologieslumpsum investmentMacrotech Developers IPOMacrotech IPOMahindra Manulife Asia Pacific REITs FOFMahindra Manulife Asia Pacific REITs Fund of FundManulife Global Fund Asia Pacific REITMarcellus PMSMarch 2021 inflowsMark ZuckerbergMedical InsuranceMedium Duration Debt FundsMedium Duration FundMedium Duration FundsMelvin CapitalmergerMergersMergers and Acquisitionsmfmf accountMF DataMF holdingsMF industry datamf investor amc interestmf key employees alignmentMF NFOMF Offer DocumentsMF RegulationsMF Returnsmf skin in the gamemf stock holdingsMicrosoftMidCapMidcap FundMidcap Fundsmidcap stocksmidcapsmillennialsmillennialsinvestmillennialsinvestingMindspace Business Park REITminimum investmentMIPMirae AssetMirae Asset Banking and Financial Services FundMirae Asset Corporate Bond Fundmirae asset dynamic bond fundMirae Asset Emerging Bluechip FundMirae Asset ETFMirae Asset FANG+ ETFMirae Asset FANG+ ETF Fund of Fund.Mirae Asset Fundmirae asset fund growthmirae asset fund navmirae asset fund valueMirae Asset Great ConsumerMirae Asset HealthcareMirae Asset Healthcare and DSP Healthcaremirae asset hybrid equity fundMirae Asset Hybrid Equity Fund Regular GrowthMirae Asset Large Capmirae asset large cap fundMirae Asset MFMirae Asset MF NFOmirae asset midcap fundmirae asset midcap fund mirae asset tax saver fundMirae Asset Mutual FundMirae Asset NFOMirae Asset Nifty Financial Services ETFMirae Asset S&P 500 Top 50 ETFmirae asset stockmirae asset tax saver fundMirae MF NFOmirae multi asset fundmirae share priceMomentum fundMomentum investing indiaMomentum MFmomentum strategy indiaMoneyMoney Market FundsmoneymotivationMonthly Income Plansmotilal MFmotilal oswalMotilal Oswal 5 Year G-Sec ETFMotilal Oswal 5 year G-Sec FofMotilal Oswal 5 year G-Sec Fund of FunMotilal Oswal 5 year GSec fundMotilal Oswal MSCI EAFE Top 100 Select Index FundMotilal Oswal NASDAQ 100 ETFMotilal Oswal Nasdaq 100 FOFMotilal Oswal PMSMotilal Oswal PMS Value StrategyMotor Insurance Claim Rejectedmpc resultMrs Bectors Food SpecialtyMTAR IPOMTAR IPO grey market premiumMTAR IPO listingMTAR IPO reportMTAR IPO reviewMTAR IPO valuationMTAR stock priceMTAR TechnologiesMTAR Technologies IPOMukesh Ambanimulti assetmulti asset allocation fundMulti Asset FundsMulticap Fund RulesMulticap FundsMuthoot Financemutual fundMutual Fund Investing OnlineMutual Fund NAVMutual Fund NAV DateMutual Fund NFOmutual fund portfolioMutual Fund RankingsMutual Fund Returnsmutual fundfundamentalsMutual FundsMutual Funds DataMutual Funds for NRIsmutual funds performanceMutual Funds ReturnsmutualfundfundamentalsMutualFundsNACHNarendra ModiNasdaq 100Nasdaq 100 fundNasdaq FundsNational Saving CertificateNational Stock ExchangeNAVNavi Mutual Fundnavi mutual fund nfonavi nfoNazara IPONazara IPO allotmentNazara IPO gray market premiumNazara IPO grey market premiumNazara IPO listingNazara IPO priceNazara IPO reviewNazara Rakesh JhunjhunwalaNCD issueNCDsNeobanksNet Asset Valuenew aisNew debt fundNew debt MFnew form 26asNew fundNew Fund OfferNew Fund OffersNew IT E-Filing Portalnew midcap fundnew pf rules 2021new sovereign gold bondsNew Tax RegimeNFONFO reviewNFOsNiftyNifty 100nifty 18kNifty 5 year benchmark G-Sec IndexNifty 50NIFTY 50 EQUAL WEIGHTNIFTY 50 EWNIFTY 50 EWDSP Nifty 50 Equal Weight ETF ETFNifty Alpha 50 ETFNifty Alpha 50 indexNifty Alpha Low Volatility 30 indexNifty Digital IndexNifty Healthcare Indexnifty index fundNifty India Consumption IndexNifty Next 50 IndexNifty Next 50 Index FundNIFTY PSU BondNifty SDL Apr 2026 Top 20 Equal Weight IndexNippon India Asset Allocator Fund of FundNippon India ETF Nifty SDL - 2026 MaturityNippon India Growth FundNippon India MFNippon India MF NFONippon India Mutual FundNippon India Nifty 50 Value 20 Index FundNippon India Nifty Midcap 150 Index FundNippon India Nifty Pharma ETFNippon India Nifty Pharma ETF NFONippon India Passive Flexicap FoFNippon India PharmaNippon India Small Cap FundNippon MFNippon MF analysisNippon MF reviewNippon Mutual FundNippon NFONippon NFO analysisNippon NFO reviewNippon Quant FundNirmala Sitharamannon convertible debentureNon Convertible DebenturesNon Resident IndiansNon-Convertible DebenturesNRINRI taxationNRIsNSCNSENSE Digital IndexNSE International Exchangenternational FundsNurecaNureca grey market premiumNureca IPONureca IPO allotmentNureca IPO lot sizeNureca listing dateNureca listing gainNureca share priceNuvoco IPONuvoco VistasNuvoco Vistas IPONvidiaNykaa GMPNykaa IPONykaa listingNykaa profitNykaa subscriptionNykaa unicorn IPOOne97 Communications IPOOne97 Communications IPO allotmentOne97 Communications IPO GMPOne97 Communications IPO listingOne97 Communications IPO reportOne97 Communications subsidiariesPaisabazaar IPOPANPAN linking with Aadhaarparag paraikhParag Parikh Conservative HybridParag Parikh Flexi Cap FundParag Parikh Long Term Equity Fundparent of BNP Paribas AMCpassive fund of 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healthPorting health insurancePower Finance CorporationPowergrid Corporation of IndiaPowerGrid Infrastructure Investment TrustPowerGrid InvIT IPOPowerGrid InvIT IPO allotmentPowerGrid InvIT listingPowerGrid Unchahar TransmissionPPFppf interest ratePPFAS Asset ManagementPPFAS FlexicapPPFAS Hybrid FundPPFAS LiquidPPFAS Mutual FundPPFAS Tax SaverpremiumPrepaid VoucherPrincipal Asset Management CompanyPrincipal Mutual FundPrivate BanksProfitsProperty TransactionsProvident FundProvident Fund TaxPSU bondsPSU fundsPSU RailtelPublic IssuePublic Provident FundQuant fundsQuant Funds in IndiaQuant InvestingQuant Value FundQuantitative InvestingQuantitative StrategyRailTelRailtel IPORailtel IPO allotmentRailtel IPO buyRailtel IPO reviewRailtel IPO valuationRailtel listingRailtel stock priceratiorbirbi e-mandateRBI fixed income impactrbi gold bondsRBI PolicyRBI policy impact on bondsRBI raterbi recurring payment orderRBI Retail Direct GiltReal EstateReal Estate Investment TrustReal Estate Investment Trustsrealty investmentRecurring Depositsrecurring paymentsRedditRedditorsreinvestment of income distribution cum capital withdrawal optionREITREIT InvestmentREIT MFREIT Mutual Fundrepo rateReserve Bank of IndiaRestoration BenefitRetail bondsRetail Direct Gilt accountRetail govt bondsRetail GSECRetirementRetirement CorpusRetirement FundRetirement IncomeRetirement PensionRetirement PlanningRetirement SolutionsRetirement WealthReturn filing income taxReturnsreverse reporevised aisRight time to invest in mutual fundsRiskrisk and returnsRisk CapacityRisk ManagementRisk Profilerisk returnRisk ToleranceriskmanagementRiskometerRolling returns mutual fundsRupert HoogewerfS&P 500Sachin Bansalsaid that “This strategic partnership will enable us to expand in terms of scale and client outreachSanjay SapreSantosh KamathSatellite allocationSaurabh MukherjeaSaving for ChildrenSaving for Kids EducationSavingsSBI Balanced Advantage FundsSBI Bluechip FundSBI ETF ConsumptionSBI ETF Nifty 50SBI ETF SensexSBI Healthcare OppSBI Healthcare Opportunitiessbi index fundSBI International AccessSBI MFSBI MF NFOSBI Mutual FundSBI new fundSBI Nifty Index Fund and Franklin India Index Fund NSE NiftySBI Nifty Next 50 Index FundSBI Retirement Benefit FundSBI US Equity FOFScheme Information DocumentScient Capital AriesScient Capital OrionSCSSSDLSDL Index FundSDLsSDSDCASEBISEBI Franklin OrderSecondary Market BondsSection 10DSection 80CSection 80c best fundSection 80CCD (1B)Section 80DSector Fundssectoral fundSelf Assessment Taxsell equitySenior Citizen Savings SchemeSensexsensex 60kSGBSGB new bondssgb new issuesgb new offeringSGBsshare delistingshariah investingshariah mutual fundshariah pmsShimao Hong Kong Zhuhai Macao Port CityShort SqueezeShort TermShort Term Capital GainsShort Term Capital Gains TaxShort Term Capital LossesShort Term FundsShort term investmentsshould i invest in stocks nowShyam Metalics and Energy IPOShyam Metalics IPOSIPsmall cap fundsSmall Savings Interest RateSmall Savings ReturnSmall Savings SchemesSmallcap FundsSmart Beta ETFSolution Oriented FundSolution-Oriented FundsSolvency RatioSona BLW Precision ForgingsSona BLW Precision GMPSona BLW Precision IPOSona Comstar GMPSona Comstar IPOSortino RatioSovereign Gold BondSovereign Gold Bond Scheme 2020-21 – Series IXSovereign gold bondsSovereign Gold Bonds 2021-22Sovereign Gold Bonds 2021-22 Series IStanley TangState Development LoansSTCGSteve BalmerStimulusstock delistingstock exchangeStock MarketStock MarketsStocksStove Kraft IPOStove Kraft IPO PriceStove Kraft Public IssueStove Kraft Public OfferSTPStrategy and ParticipationsSukanya SamriddhiSukanya Samriddhi SchemeSun Life FinancialSundaram Asset Management CompanySundaram Mutual FundSundaram Rural & ConsumptionSunil SinghaniaSupreme Court HearingSuryoday Small Finance Bank IPOSuryoday Small Finance Bank IPO priceSuryoday Small Finance Bank IPO reviewSWPSystematic Investment PlanSystematic Investment PlansSystematic Transfer Plant billsTakeovertarget maturity debt index fundTarget Maturity ETFTata Business Cycle FundTata Digital India FundTata dividend 2020Tata Dividend Yield FundTata dividend yield fund dividend navTata Dividend Yield Fund(G) MF NAVTata Dividend Yield Fund(G) Mutual FundTata Dividend Yield Fund(G)Equity: Mid & Small Cap Investment PlansTata Dividend Yield NFOTata Equity PE FundTata Floating Rate FundTata Floating Rate Fund NFOTata India ConsumerTata MF debt fundTata MF NFOTata motors dividend 2020Tata mutual fundTata Mutual Fund NFOTata Quant FundTatva ChintanTaxTax Deducted At Sourcetax deductiontax elss fundTax ExemptionTax ExemptionsTax FilingTax Filing OnlineTax free bondsTax free incomeTax free investmentsTax Free Maturity ULIPSTax Loss Harvesting IndiaTax on long term capital gain on propertyTax on Mutual Fundstax on pf interesttax on pf interest in budget 2021tax on pf interest in budget 2021 pf interest ratetax on ppf interest in budget 2021Tax on UlipsTax PlanningTax Refund ProcessTax Saving FundsTax Saving OptionsTax-loss Harvesting DateTaxationTDStds indiaTechno ElectricTechnology Mutual FundTerm InsuranceterminsuranceTeslatesla bitcoinTetherthe Bank of Baroda and BNB Paribas have merged to become Baroda BNB Paribas Mutual Fund. In 2019the Bank of Baroda announced Baroda AMC's merger with BNB Paribas AMC without any proposed cash consideration. Furtherthe former head of Baroda Asset Management Indiathe parent company of Baroda AMCthematicthematic fundThematic Fundsthematic investingtop 10 mutual funds for sip to invest in 2021Top 10 Mutual Funds HDFC Mid-cap Opportunities Fundtop 5 sip plans in indiaTop ELSS fundtop equity mf holdingstop mf holdingstop mutual fundtop performing mutual funds in indiaTop PMStop tax saving fundTop-up SIPtransfer of income distribution cum capital withdrawal optionTrigger SIPTwitter and NetflixTypes of Copaystypes of debt mutual fundsUIDAIULIPULIP taxULIPsUltra Short Bond Fundsultra short debt fundsUltra Short Duration Fundsultra short termUltra-short-term fundunable to download aadhar cardUnion BudgetUnion Budget 2022-23Uniswapunsafe credit risk fundupcoming ncd in 2021upcoming ncd issues in 2021update mobile number in aadharupdate mobile number in aadhar onlineUPIUS ElectionsUS treasury yieldsUTI MFUTI MF new fundUTI MF NFOUTI Momentum NFOUTI Nifty Index FundUTI Small Cap FundUTI Value Opportunities FundValue FundsValue InvestingVijaya Diagnostic IPOViraj Mehta EquirusVivek KudwaVolatilityVoluntary Provident FundVPFVPF contributionVPF interestWall StreetWallstreetbetsWalmartWarren Buffet YSTWater investingwater mutual fundwealth managementWealthziWealthzi Digital ConclaveWebinarwhat investors should dowhat is bsewhat is nseWhat is Tax Loss Harvestingwhich ended on the 4th March 2022. The merged company is up for managing assets worth Rs.22why bitcoin fallingwhy btc is crashingWhy Car Insurance Claims Are Rejectedwill hold 50.1% of the stake in the merged companyWinding upWinding up of Debt SchemesWinding Up SchemesWindlas BioctechWindlas Biotech IPOworst credit risk fundWorst performing PMSWorst PMSXIRRXRPZhong HuijuanZhong ShashanZhuhaiZomatoZomato IPOZomato IPO allotmentZomato IPO GMPZomato IPO listingZomato IPO report
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