Dilzer Consultants - Investments and Financial Planning

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Category: newsletter

Reverse Mortgage during Retirement- Pros and Cons

Every working individual wants to spend his retirement life with dignity. If you are also about to reach your retirement or you are in the retirement period, you may be looking for a way to fund your lifestyle without depending on anyone. One of the effective ways to earn a regular income for pensioners is a Reverse Mortgage. What is a Reverse Mortgage? A reverse mortgage loan (RML) is an exclusive offer for the persons who are more than 60 […]

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Retirees- Regular Income options

Retirement is what all busy youngsters look forward for! ! Hoping we have peace of mind and relaxation and plenty of free time. Which are the best investment options that can give higher returns for retired individuals? This article would provide some insights about good investment plans for Senior Citizens Pradhan Mantri Vaya Vandhana Yojana  Let’s start at evaluating the pros and cons of the LIC Pradhan Mantri Vaya Vandhana Yojana a new Annuity plan by LIC . This pension plan […]

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How to avoid capital erosion arising out of inflation

Inflation never seems like a problem until suddenly it is. While it may be good news for borrowers, since it erodes the value of their debts, it can be damaging to savers, investors and pensioners, chipping away at the value of future interest and dividend payments and eroding the value of their capital. Once price rises become entrenched, consumers feel the pain, businesses become reluctant to invest and the stock market starts to get worried. Steps to be taken for […]

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Joint Will or Separate Wills

A last will and testament is an important document giving evidence to an individual’s intentions regarding the passing of property upon death. Failure to create a will can have unintended consequences whereby property inadvertently passes to unintended beneficiaries. When it comes to a married couple making a will, they have the option of creating one joint will that covers both of them, or making two separate wills that cover them individually. However, there is a major caveat when it comes […]

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Can setting up a Trust suffice the necessity of Estate Planning

One of the most integral part of financial planning is Estate Planning.  It ensures that in the event of estate owner’s death, the survivors get access to his/her assets without any disputes and legal issues, in the proportion decided by the estate owner. Wills and Trusts are important vehicles for effective estate planning. Will – A will is a written document of the desired way of distribution of wealth among loved ones after one’s death. A few pointers about a […]

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How Often Should I update my WILL

Why and how often should I update my will and estate plan? A Will makes succession less complicated and simpler. However many family members do fight and challenge Wills.  As per Estate planning experts, this is mainly because of loop holes, overlaps or contradictions in the document arising due to people failing to revise and update their Will periodically.  Since Assets and properties increase or decrease with the passage of time, it is a good idea to review the document […]

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Importance of making a Will

Do you want to leave your wealth and let your loved one’s fight with each other to get their shares? We guess not! If you nominated someone in all the financial products you bought and thought that it will be passed to them legally without any issues, you are having a misconception. You need to create a Will to distribute your wealth in the manner you want to. What is a Will? A Will can be made by anyone above […]

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Comparison between Stock Market Real estate and Other Investment products

Introduction In today’s world of soaring prices and rising inflation, some find it hard to make ends meet while some others struggle to maintain a good lifestyle with their limited source of income. This has made people keen to look for other alternative sources of earnings. While investment seems a lucrative option for an extra income, most people remain clueless about the various options available. Every investor has his or her own appetite for risk and any rash and untimely […]

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Annuity and lump sum required after retirement.

Retirement is the phase of life when you start living for yourself after you are done with all your responsibilities. This is also that phase of one’s life where the income reduces and the expenses increase and the time when your savings will help you. We all know the importance of saving enough for our post-retirement years. However, many of us delay, sometimes till it is too late. Procrastination is a big reason for this, while some people delay saving […]

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Pre and Post Retirement Investment Options.

There are quite a few options solely meant to take care of one’s post-retirement needs. Each of these products have their own unique features that one should be aware of. Some of the investment options – pre and post retirement options which may come handy are being discussed here. Pre-Retirement Investment Options New Pension Scheme (NPS) New Pension Scheme is a good retirement investment option. NPS is open to all but, is mandatory for all government employees. Features: An investor can […]

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