Dilzer Consultants - Investments and Financial Planning

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Why are Insurance products inefficient investment options?

Indian Investors are not very clear about what insurance is, how is it different from investment and how they should best go about insuring themselves. We will discuss what insurance is and how it should be bought and then compare this to investment for better understanding. The basic purpose of insurance is to cover the financial aspect of risk. The only logical kind of life insurance that makes sense is term insurance. In term insurance you are being insured against […]

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Things one should know before investing in stock markets

The stock markets are always a lucrative option for investors. However investing in this market is not easy. It requires lots of patience and discipline, research and understanding of the markets. Added to this, the stock market volatility in the last few years has left investors in a dilemma as to how to invest, hold or sell in such a scenario. Here are the ten quick things to be known before investing: Invest only the surplus: If a person wants […]

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How much life insurance does a person need?

Do we need insurance? This is a  question is in everybody’s mind  If yes, what is the amount of insurance cover one needs?  In this article we have tried to answer for all the queries. Life insurance and its Need:  Life insurance or Life assurance, is an agreement with the an insurance company which guarantee’s you to compensate for the specified loss, damage, illness or pre-mature death of insured in return for payment for a specified premium and term. The […]

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Investing in Debt funds.

Market and experts are flooded with do’s and don ts of investing, some praise  equities while others are a big fan of debt instruments , and some believe in going risk neutral with safe options like fixed deposits. Are you a risk averse individual who always considers looking for safe investment options, then this article is for you.  Guaranteed Return Products that go one step further and ensure that the promised return is paid out are in the guaranteed return […]

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Difference between Critical Illness and Health Cover

Arvind was in a state of shock when his father got a paralytic attack, but he was shattered to know when his health insurer told him that only hospitalization charges would be paid and rest has to be bear by him. Arvind who was already going through emotional turmoil now had to look for alternate measures to bear the cost of the treatment.  Are you also under the same spell that all diseases are covered under your health plan? Think […]

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