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Understanding the Key Benefits of Flexi Cap Mutual Funds

SEBI introduced Flexicap Fund on November 6, 2020. These are open-ended dynamic equity schemes that invest across small-cap, mid-cap and large-cap funds. But at least 65% of the fund must consist of equity and equity-related instruments. It can ensure risk-adjusted returns and provide a dual advantage of growth and value along with diversification. So, investors can use flexicap funds to curb risk and volatility.

Fund managers have the freedom to assess the potential to assess different firms regardless of their size and invest money across different segments and companies. They tend to offer speedy returns even during a bear market phase in times of bad performance. Below are a few benefits of investing in the best flexi cap fund.

Risk Mitigation

These tend to strike the right balance between risks and returns. It is ideal for anyone with a moderate risk appetite with an investment horizon of more than 5 years. The fund can drop its mid-cap and small-cap allocations to zero depending on the market phases to keep volatility under control. It is a perfect choice if you wish to build a fund over a long period. Flexi cap funds usually invest in best-performing firms that are leaders in their fields that follow strong balance sheets and robust business models. So, the returns are risk-protected.

Dynamic Nature

A flexi cap mutual fund is represented by the Nifty 500 index which has mostly delivered a balanced performance between large, mid and small-cap funds. It is perfectly suited for investors looking to invest in large-cap oriented funds with tactical allocation to small-cap and mid-cap stocks for portfolio growth. It adjusts asset allocations based on different market conditions and tweaks investment in securities depending on market movement.

Diversification

A flexi cap fund is an all-season product and offers a well-diversified portfolio. Investors are allowed to diversify across different companies of different market capitalisation which helps lower volatility and reduce risks. A fund manager can opportunistically shift allocations between small, mid and large caps. A properly diversified equity strategy comes with a flexible ‘go anywhere’ approach. It means this fund is able to increase exposure to multiple styles, sectors and themes.

Market Cycle

The Indian equity markets have sharply bounced back with a healthy GDP growth rate of 8.4% in the second quarter of 2021-22. But the 4^th wave scare still lingers along with risks of rising inflation. This can keep the market volatile in the coming days. But the good news is that a flexi cap fund has a dynamic nature. So, it can help investors sail through the market rides and stay secure during rapid movements.

In short, a flexi fund is a great choice if you wish to invest across different market segments. There are no limits or biases towards any sector. The high-end flexibility allows fund managers to pick the most lucrative opportunities during both good and bad market conditions. You can always change portfolios regardless of the size of the companies you are investing in. Learn flex cap fund meaning, benefits and features beforehand for an informed choice.

How Immediate Annuities Can Help Your Retirement Planning?

Retirement planning involves investing in such a way that you are assured of a steady stream of income in your golden years. And the best way to ensure that is to buy annuity plans which involve a contract between you and an insurance company. You need to either invest a lump sum amount or pay a series of premiums and in return, the insurance company agrees to pay the sum assured in the form of annuity payments. The lumpsum payments of your savings allow the insurance provider to start immediate annuity payments allowing you to convert your current retirement savings into future income payments.

What are Immediate Annuities?

An immediate annuity policy is designed to provide the investor with a regular income stream for a specific period in exchange for an initial lump sum investment. And since the annuity income starts immediately after you deposit the money it is called an immediate annuity plan. When you opt for an immediate annuity, you are getting a pension from the lump sum money invested by you.

These plans are quite popular and suitable for people just entering retirement. However, if you have time before you retire, you can choose to go for deferred annuity plans wherein the insurance company gets time to invest your money and earn some good returns on it.

Types of Immediate Annuities

When you choose an immediate annuity plan you have the option to go for variable or fixed return annuities. In the case of fixed annuities, the amount of annuity that you get every month remains the same for the life of the plan. However, in the case of a variable annuity plan, the monthly or quarterly annuity amount is determined by the returns earned on investments made by the insurance company. You get a higher pay out if the investments do well but if the investments do not perform well your annuity amount may decrease. The variable immediate annuity plans are useful if you have the capacity or tolerance to withstand the changes in your monthly income.

Benefits of Immediate Annuities for Retirement Planning

Immediate annuities ensure that the basic goal of retirement planning-ensuring a steady source of income every month is fulfilled. But there are several other benefits when you invest in an immediate annuity plan.

Immediate Flow of Income or Liquidity– These plans ensure that your annuity starts immediately and you do not have to run around arranging for funds for even a single month.
Simple– Immediate annuity plans are simple to understand and require no monitoring especially when you have chosen a fixed annuity plan. You also do not have to worry about market-related losses in this case.
Option to Choose Tenure-You have the option to choose an annuity for a fixed period or your whole life.
Customisable– You get to decide how much and how long you get paid besides buying additional features or riders for protection against critical illnesses and accidents. You can use an annuity calculator to find out the amount to be invested for getting a specific amount of annuity.
Joint Life Option-You have the flexibility to choose a joint cover for you and your spouse.

An immediate annuity plan is highly useful if you are looking for immediate income and do not have any other source of regular lifetime income.

How To Prepare Yourself For IUI?

There are several doubts and concerns that couples generally have before an IUI pregnancy. It is okay to have concerns since it is about your baby’s life. This article will give you complete insights on how you can prepare yourself for the IUI procedure. Make sure you read the article till the end. Stay tuned!

The 80% of the pregnancy success rates depend on how well you’ve prepared for the IUI process. You need to have complete information about the complete treatment from 0 to 100 along with any side effects, if there are any.

Also, Read – avoid foods during IVF cycles

Let’s see how you can prepare yourself for the IUI treatment.

The first step is to meet the IUI treatment expert and gather complete information

A reproductive endocrinologist oversees the IUI process and can even stop cycles if too many eggs are generated. Occasionally specialists recommend other methods of conception, so be sure you’re seeking out the correct individual for help. Make sure you ask them if there are any IUI side effects that can happen in your case. You can easily consult IVF doctor in Hyderabad for better knowledge.

Since you have decided to go for the IUI treatment, get on a strict healthy diet

Your diet has an impact on the accuracy rate of IUI. Reduce carbohydrates and increase protein-rich meals on your plate. Even if you have Polycystic Ovary Syndrome, adjusting to a better diet might boost your chances of conception. A healthy diet always leads to a healthier pregnancy.

Start exercising a little and stop smoking at all

Daily exercise is also beneficial after IUI. Experts, however, do not encourage vigorous exercise. You just must be active and avoid sitting in a fixed position for an extended period of time. According to a study, women who smoke require higher gonadotropin dosages for ovarian stimulation. This has a detrimental impact on the success rate of IUI. As a result, stop smoking.

Avoid things that give you stress and anxiety. Try to be happy as much as you can

Don’t overthink things. IUI may cause emotional turmoil, but try to relax. This will cause your body to respond favourably to the IUI procedure. Do activities that make you happy and satisfied. So, if you want to become pregnant, your life should mirror the delight of having a child.

You can consider Acupuncture. Try it

Acupuncture therapists prescribe acupuncture therapies to promote blood flow and, as a result, enhance egg production. While allopathy does not encourage it, acupuncture experts believe the therapy may boost the odds of becoming pregnant.

Also, Read – Why couples should opt for IVF

If you want to prepare yourself for the IUI treatment, make sure there is plenty of healthy diet in your routine, try to stay away from stress, and do moderate exercise. In case you face any difficulty anywhere, make sure you consult a doctor right away. Also, Read – Indian Celebrities Who Chose IVF

How to Prevent Pregnancy Naturally?

Many people who are sexually active don’t necessarily want to get pregnant. They might wonder on how to avoid pregnancy naturally. This is because many women feel uncomfortable with a contraception device or birth control pills.

The best method to completely avoid pregnancy naturally is by abstaining from sex. If that is not an option, there are other ways.

Keep in mind to have clear communication with your partner, as these methods only work with the commitment of both individuals. A few of these methods still have a relatively high pregnancy rate and if you do get pregnant, you can always visit the best maternity hospital in Delhi. The doctors could guide you toward the next steps. For instance, you might want to know which fruits to avoid during pregnancy. Some fruits can cause uterine contractions, which lead to miscarriages, and complications.

Fertility Awareness Window

This method does not require you to have any medicines or devices. This method is completely based on your body. The basic idea here is to predict the days when you are most likely to get pregnant. You need to track your ovulation period which mostly occurs after 15 days of your cycle. It is best to abstain from sex on three to four days, which is the most fertile window. As easy as this method sounds, it is not always easy for one to pinpoint your fertile days. If you have irregular periods, you might be better off with a different strategy.

Also, Read – Medical Termination of Pregnancy

The Withdrawal Method

One method where you can avoid pregnancy is by making sure that the sperm does not have a chance to meet the egg. This method is also referred to as the “Pulling Out Method”. In the method, the man pulls their penis out of their partner before they ejaculate.

The withdrawal method could work but is risky. This is because a certain amount of sperm can be present in the pre-ejaculate fluid that can reach the eggs easily.

Breastfeeding Method

Breast milk fed to a newborn is extremely nutritious and offers mental and physical growth to the child. Breastfeeding also acts as an effective contraception method as your body stops ovulating when you excessively feed your baby. No ovulation means no periods which further means no pregnancy. Breastfeeding is a completely natural method of contraception and is also known as Lactational Amenorrhea Method (LAM). The only drawback of this method is that it only works the best for the first six months after the birth of your baby. The positive thing is that it does not interrupt sex or cause any adverse effect on sex life and your pleasure.

Also, Read – 5 Days Past Ovulation (5DPO)

However, know that even this method is not fully-proof.

These are a few natural ways how to avoid getting pregnant naturally. However, using condoms is one of the best methods when it comes to preventing pregnancies. Not only that; condoms are effective against sexually transmitted diseases (STDs) too.

Also, Read – 1st month Pregnancy Diet Chart

However, if you do get pregnant make sure to visit the list of foods and fruits to avoid during pregnancy. Talk to your gynaecologist to discuss your options.

Also, Read – Difference Between PCOD vs PCOS

5 Major Attractions You Cannot Miss in Sharjah

Want to take a break from work and immerse yourself in some natural and cultural bliss? Consider taking a trip to the cultural capital of the UAE on a flight to Sharjah. These top 5 attractions will be waiting for you.

Sharjah Art Museum

Lying in Corniche Street, Sharjah, it’s one of the largest art museums in the UAE. It was opened in 1997 and houses a permanent collection of artworks besides temporary exhibitions.

The galleries are spread over 3 floors to display the masterpieces of various Arab artists.

The permanent collection contains artifacts from the Barjeel Collection of appreciable contemporary art from the Middle East.

Other galleries showcase works of the 18th- and 19th- century painters who came to the Middle East and were captivated by the culture, architecture, and natural environment.

The Ali Darwish gallery features the watercolors of Sharjah.

Sharjah Fort

Mumbai people live amid historic forts. If you’re one of them, don’t miss out on this old fort after deboarding your Mumbai to Sharjah flight.

Known as Al Hisn in Arabic, it’s situated in a plaza at the center of the city. Erected 200 years ago, it was both the traditional residence of the ruling clan of Sharjah and the town’s defense facility.

Inside, you can walk through the rooms with themed displays revealing the town’s significance as one of the Gulf’s trade networks and tracing Sharjah’s history.

Besides, you can enjoy splendid rooftop views across the Heritage District leading to the sea.

Sharjah Desert Park

Here you can lose yourself amid the UAE’s desert wildlife and ecology.

It comprises 3 distinct neighboring sites. The Arabia Wildlife Centre is the main attraction that houses endemic reptiles, Arabian leopards, and the Arabian oryx. Then there is a children’s farm where kids can closely see farm animals.

The Sharjah Natural History Museum opens the world of the UAE’s geological history, plants, and wildlife. It’s a must-visit for kids to enhance their learning experience.

The third important site is the Islamic Botanical Garden. Around 52 plant species like henna, black cumin, and dogs (all mentioned in the Qur’an) are cultivated here.

Central Market

If you’re a Delhi shopaholic, you’ll love visiting this market after your Delhi to Sharjah flight lands. Built-in the 1970s, it’s located at the Khalid Lagoon. It has earned the nickname Blue Souk due to its detailed exterior blue tile work.

You can check out over 600 shops selling electronics, food, clothing, perfume, jewelry, and gift items.

The upper floor looks like a traditional bazaar. You can shop for Yemeni and Omani jewelry, carpets, and antiques and pick other souvenirs from the greater Arab world.

Al Montazah Island

Also called the Flag Island, where children can let off some steam.

It has a theme park with various rides like roller coasters and a water park with lots of water slides for fun and beating the heat.

The primary attraction is the 60m high observation wheel— the Eye of the Emirates. Hop onto it to get a soaring view of the city and capture night lights.

You can explore all these attractions with your family and friends. They’re just a flight to Sharjah away!

What is Net Worth and Why Should You Know It?

In simple terms, net worth is the amount by which assets exceed liabilities. It is value in cash that you would sell off all that you own and clear your EMIs. It is a metric to evaluate an individual’s or company’s financial standing. Assets can include retirement accounts, cash present in a bank account, mutual fund in India or other investments, home value and costly personal property like collectables or jewellery. Liabilities mainly means debts from credit cards, mortgage and student loans.
Net worth often comes across as a ‘snapshot’ of where you stand in your financial journey. It is like a report card that lets you evaluate the current status and figure out the next moves to reach your short-term and long-term goals in future. You can track your progress each year and set definite goals accordingly to improve with time.

The Importance of Net Worth

Net worth is a quantitative concept that measures the value of sectors, an entity, individuals, corporations and countries. It helps you see the bigger picture and work on your savings or other financial targets. Here’s why you must have an idea of your net worth.

Knowing your financial position can help you identify the areas where you are spending too much and then be mindful to avoid excess cash outflow. You are likely to make sound monetary decisions to achieve your goals without hiccups. The best way to improve the net worth is to either ease your liabilities while assets stay constant or increase. Try to review your statement from time to time to gain insight into where you are and what to do to get to where you want to be.
Use a net worth calculator by entering your assets and liabilities to find your worth. Once you know the balance, it becomes easier to plan your debts. For example, you might have enough free cash at the moment to make prepayments and clear your debts quickly. At other times, a net worth calculation might tell you that you do not have sufficient funds. So, now you have to avoid channelling extra money into the debt bucket and stash some amount into your emergency bucket. Having a fair idea of net worth helps you develop a logical plan and maintain better financial health.
Your assets are things that you own that can be converted into cash. This includes vehicles, real estate or retirement corpus. Knowing your net worth can help plan for different mutual funds to invest in, how much to put into FDs and the amount you can save. Know that net worth can continue to grow with time as and when you clear debts, build better equity and obtain more assets in your name.

The goals and financial status of each person are unique. So, it is vital to determine your ideal net worth to be able to live a comfortable lifestyle while ticking off your milestones. Net worth can be an aggressive motivator to help you save or invest money. Make the most of the net worth calculator to come to a realistic figure today.

Life Insurance Policy Types And Who Are They Suitable For

According to experts, our financial planning is incomplete without a life insurance plan. An insurance policy protects the economic well-being of dependant family members in the case of an unforeseen incidence that results in the policyholder’s untimely death.

However, many people are surprised to learn that there are diverse types of life insurance plans—each with its unique benefits to the policyholder. Let us look at the many forms of life insurance policies in India and how they impact your financial health.

Types of Life Insurance Plans in India

Choosing and applying for the right life insurance policy can be a challenging, overwhelming experience. The good news is that there are many options out there for you to choose from! Here’s a list of some life insurance policies and what they each offer.

Term Life Plans

A term insurance policy is the most basic type of life insurance. It is simple to understand, provides extensive coverage, and is inexpensive to purchase. A term insurance policy covers the risk of death for a set period. In the event of the insured’s untimely death within the policy period, the insurer pays the sum assured to the beneficiary.

To make the plan more extensive, a policyholder can also add life insurance riders at an additional premium. Here, the premium can be paid either in:

Lumpsum
Monthly,
Or a mix of two

Although term plans offer no maturity benefits, some companies now provide Term Plans with Return of Premiums or TROPs. The premium amount is returned if the policyholder outlives the policy term.

Whole Life Plans

As the name implies, whole life insurance protects the insured for the rest of their life or until the age of 100. If the insured person dies during this period due to an unforeseeable incident, the sum assured agreed to at the time of policy purchase is paid to the beneficiary, along with any bonus. However, if the insured outlives his policy term, he is entitled to the policy’s maturity benefits.

Plans	Policy tenure
Whole Life Plans	Whole life or 100 years
Term Plans	For -10, 15, 20 years

ULIPs

Individuals who seek a single policy for both investing and insurance may consider ULIPs. ULIPs are a combination of two essential products that offer life insurance and the opportunity to build wealth through market-linked returns.

ULIPs feature a 5-year lock-in phase and allow you to invest in a wide range of fund selections based on your risk tolerance. ULIPs also allow for partial withdrawal and fund changes. Furthermore, under the IT Act, the maturity amount is tax-free.

Endowment Plans

Endowment plans are life insurance that serves as insurance and a savings product for the policyholder. Endowment plans are suited for those who want maximum coverage as well as a significant savings component. These plans help the insured accumulate a sizable corpus to meet different life goals while also offering financial stability to their families. These plans are roughly grouped into two types:

with profit and
without profit

Group Life Insurance

A group insurance policy protects a group of individuals under a single plan. Here, life insurance benefits are extended to all the persons included under the plan. An organization may offer such a plan to eligible employees as part of employee benefit incentives. It is vital to highlight that you will be covered under the group plans as long as you work for the company. If you leave the organization, your cover ends.

Child Insurance Plans

Child plans allow you to create a corpus to meet your children’s future financial demands, such as higher education or marriage. It is a type of investment and insurance plan that aids in generating wealth for future commitments. In the event of the policyholder’s untimely death within the policy term, the beneficiary receives the lump sum payment. Companies provide different types of life insurance policies. However, before selecting a specific insurance plan, it is critical to understand how life insurance works and the various benefits the plan provides to your family.

5 Things You Can Buy From Dhaka in your Next Trip

If you are a regular on Delhi to Dhaka flights, you would be most aware of the baggage rules and restrictions to adhere to on these international flights. If there’s shopping on your mind this time around, you may wish to pack light and add an extra bag. It is also a good idea to check for flights to Dhaka that allow pre-purchase of extra baggage at competitive rates. Once that’s sorted, here are some things worthy of carrying back

Things to pick up when in Dhaka

The Quintessential Dhakai Jamdani Sari: Before you travel back from Dhaka, making space for these gorgeous weaves in your Dhaka to Delhi flight check-in baggage is an absolute necessity! A traditional weave, Jamdani is made of the finest quality of muslin cloth which is thin, soft, and airy in texture. The saris are extremely lightweight and showcase ornamental motifs woven into them. These motifs are woven in a thicker thread than the fabric itself and they seem to create a floating appearance on the surface. To identify the authenticity of your handloom Dhakai Jamdani sari, you need to check the wrong side of the weave where the thread should appear in continuation. In machine woven fakes, the thread will appear broken or snapped.

The Traditional Bangladeshi Lungi: Lungi is almost the national attire of men in Bangladesh. Owing to the scorching heat during the summer months here, Bangladeshi men have found lungis to be immensely comfortable. The superior quality of cotton here makes them easy to wear! Trendier designs and styles are also available quite easily owing to their raging popularity. A bright and colorful lungi is something you must carry back home. You may also wish to pick up tips on knotting the lungis from the locals here. Pair it with a pastel shade kurta or a bush shirt for a thumping style statement.

Classy Hogla Handicraft Items: Hogla is a bush-like plant that grows in the area adjoining the water bodies of the Sundarbans. The Hogla grass is used to create delightful hand-woven baskets. This expert weaving is done by rural weavers who travel to Dhaka to find employment. They typically arrive after seeding and leave before harvest time. A small hogla basket or perhaps a woven tray is likely to remind you of your trip to Dhaka for many years to come.

Authentic Bangladeshi Terracotta Handicraft Mementos: Pick up one of the terracotta mementos from one of the local handicraft stores. They have some beautiful intricate designs on offer. You can settle for a pen holder or even a small flower vase. Make sure you put it in your cabin baggage.

Traditional Jute Artifacts: Dhaka is also known for its jute artifacts. You can visit state-run or private handicraft stores of repute and look through their range of mats, handbags, tablemats, and lots more.

Before your Dhaka to Delhi flight, try digging in and perhaps even packing in some of the delightful sweets available here. The Bogurar Mishti Doi, which is a sweetened curd, is to die for!

Easy Yet Effective Ways To Save Tax

In order to save tax, we must all engage in tax-saving schemes such as National Pension System (NPS), Public Provident Fund (PPF), Savings Account Certificate (NSC), and so on. People are always looking for methods to save money on their taxes. Nobody wants to pass up opportunities to save money on taxes. Different folks choose different approaches. Sometimes they simply adhere to the procedures they are familiar with, and as a result, they lose out on more effective ways of saving on tax.

Aside from these, there are various more solutions that might assist us in minimising our tax bill without requiring any investment. As a result, if you don’t want to make any further investments, you can employ these tax-saving plans and solutions.

Consider taking home loans

Taking out a home loan is one of the finest methods to save money on taxes. It is one of the most prominent tax-saving plans that people opt for. It offers a number of deductions. Normally, one can subtract up to Rs 1.5 lakh from the principal repayment of a house loan under Section 80C and up to Rs 2 lakh from the interest payments under Section 24B.

The eligibility for the extra interest of Rs 1.5 lakh on the acquisition of a new house under the affordable housing plan under Section 80 EEA has been extended until March 31, 2022.

Medical Expense Deductions

Section 80D permits you to subtract premiums paid for health insurance coverage for yourself, your spouse, minor children, and dependent parents. You should obtain health insurance for everybody in the family, although if they don’t, you may claim reimbursements for preventative health check-ups up to Rs 5,000.

Children’s fee deduction is one of the tax-saving schemes

Expenses for our children’s schooling take a significant chunk of our money. As a result, maximising the tax benefits associated with these charges makes a lot of sense. Section 80C allows parents to claim a tax deduction of up to Rs 1.5 lakh for tuition fees paid for their children’s education. Please keep in mind that this benefit applies to every full-time education program provided by any licensed institution, including schools, universities, and even pre-schools and nurseries. This does not apply to tuition fees paid for up to two children per taxpayer.

NRE account interest payment

Non-resident Indians hold NRE accounts in India and earn interest in them. They receive interest on the accumulated funds as well as the funds invested as a fixed deposit. Because of the Indian government’s generosity to NRIs, such a sum is not taxed. The interest amount is referred to only as tax-free earnings.

These are some of the ways that you can implement for saving tax this upcoming year. These are the most prominent and reliable sources that people opt for.

Understand how the HSG test works

The HSG treatment is a blood test that determines whether a person’s immune system will respond to the protein in another person’s tissue. The HSG test is done to determine if the person needs any type of transplant or if there is a risk of rejection by their immune system. The tests are also done to determine whether a woman and her partner are genetically compatible for fertility treatment. It can be done for other reasons, such as when there is an increased risk of organ transplant rejection or an increased risk of pregnancy complications such as preeclampsia, miscarriage, or stillbirth.

HSG is a fertility test. It is done to assess the uterine cavity and the fallopian tubes for blockages or abnormalities. The HSG test procedure is done by injecting a dye into the uterus through the cervix and then X-raying it. The HSG test can be done in two ways, either with a catheter or without one. The catheter method is more common than the other because it’s not invasive, and you can take an X-ray of your uterus straight away. HSG test is a diagnostic procedure that helps in the diagnosis of female infertility. That is done by examining the fallopian tubes for blockages or other abnormalities. This test is performed by inserting a catheter through the vagina, up into the uterus, and one of the fallopian tubes. The fluid from the catheter then flows back to confirm if there are any blockages in that tube. Always consult expert IVF doctor in Hyderabad, Mumbai, Delhi, etc., to get the most trusted services.

HSG test cost in India ranges from Rs 3000-5000 for each test, depending on your location and doctor’s fee. The HSG system is composed of two classes of proteins: the HSG Class I and Class II proteins. The HSG Class I protein is a protein that is found on the cell surface and helps to recognize foreign invaders. HSG testing is done to find out if a person has a genetic predisposition for certain diseases or disorders. It can also be used to determine compatibility with organ transplantation.

Also, Read – Is sedation necessary for HSG test?

So, now let’s take a look at the HSG test procedure to give you a better understanding of this test:

1) A catheter is inserted into the uterus through the cervix

2) X-ray pictures are taken from different angles

3) A dye solution is injected into the uterus, which will show up on x-ray pictures

4) HSG test is a fertility test that is done to find out the chances of a woman getting pregnant. It is an invasive procedure, and it needs to be done by a qualified doctor.

5)The HSG test procedure also includes injecting dye into the uterus through the vagina, uterus, and fallopian tubes.

Conclusion

That was everything that you needed to know about the HSG test. With the knowledge shared by us in this post, you can stay prepared for this test even before it starts.

Also, Read – Infertility & Vaginal Infection