V-R Investment Services

Cancer is a formidable adversary that affects millions of people worldwide, including around 2.7 million individuals in India as of 2020. It not only poses a significant threat to one's health but also has far-reaching financial implications. In this blog, we will explore what cancer is and how it financially impacts the lives of patients and their families. What is Cancer? Cancer is a complex group of diseases characterized by the uncontrolled growth and spread of abnormal cells in the body. These cells can form tumors or interfere with normal bodily functions. The specific type and stage of cancer can vary, and there are numerous forms, including breast cancer, lung cancer, stomach cancer, and more. The risk of developing cancer in India is substantial, with statistics indicating that 1 in 9 individuals will face this disease before the age of 75. Financial Burden of Cancer A cancer diagnosis can bring an overwhelming emotional burden, and the financial impact can be equally dist...

For individuals in India, owning a home is more than just a financial milestone; it's a symbol of stability, security, and a cherished dream. The significance of house purchase in India cannot be overstated, as it is often considered a crucial life goal. However, achieving this dream is not without its challenges, and many individuals face hurdles on the path to homeownership. To own a house is a costly affair and to overcome this Banks and NBFC's provide housing loans. Loans interest are generally defined based on the cashflow of loan taking person, some factors being cosnidered such as  Source of Income Employment base Govt Employee Pvt Employee Business based Gender  CIBIL score based Considering above factors loan rates are defined for an individual. With an Interest rate of 8.5% Per Annum, Interest amount becomes equal to principal amount, which means an individual has to pay just double the amount of taken loan. As mentioned in the title of article, we will help you to r...

When it comes to financial planning and investment, choosing the right instrument is crucial. Among the many options available in India, LIC (Life Insurance Corporation of India) ULIPs (Unit Linked Insurance Plans) often stand out as a versatile and potentially rewarding choice. In this blog, we will explore why LIC ULIPs are a favorable option compared to traditional investment options like Post Office and Bank Recurring Deposits (RDs). We get Bank & Post office RD with fixed interest rate, where our returns are assured after the defined time period of RD, but in ULIP it depends on the kind of fund we have selected for our self. There are 4 different kind of fund in which LIC of India ULIP deals. We will mention them in sequence of decreasing returns. Growth fund, Balanced Fund, Secured Fund and Bond Fund. To understand them in a better way, Lets look at the below table Expected Returns under different funds are as below 1.      Growth - 15% with Highest risk, as maj...

When it comes to investing in mutual funds, there's no one-size-fits-all approach. Investors have a wide array of choices, each with its own set of advantages and disadvantages. Among these options, multi-cap funds have gained popularity for their potential to deliver better returns compared to large-cap funds. In this blog, we'll explore the reasons behind this outperformance and why multi-cap funds tend to have lower volatility when compared to mid-cap and small-cap funds. Understanding Multi-Cap Funds Multi-cap funds, as the name suggests, are diversified equity funds that invest across different market capitalizations. This means that these funds allocate their assets not just in large-cap stocks but also in mid-cap and small-cap stocks. This diverse approach allows multi-cap funds to tap into a broader spectrum of opportunities within the stock market. Reasons for Better Returns in Multi-Cap Funds Diversification: One of the primary reasons why multi-cap funds often outpe...