Dilzer Consultants - Investments and Financial Planning

An ISO 9001 (2008) Certified Company

   SEBI REGISTERED INVESTMENT ADVISOR

Category: Blog

Is Real Estate a good investment for realizing your financial goals?

Raman, a 40 year old software professional wants to build a retirement corpus and build funds for his only daughter’s education and marriage. For this purpose, he has invested in some fixed deposits and post office schemes and also wants to buy a second property worth Rs 60 lakhs as an investment. He wants to use his accumulated savings for the down payment of the second house. Based on his income and expenditure patterns, he could easily get a loan […]

Read more »

NRIs Buying Real Estate In India

If you are a non-resident Indian (NRI) planning to buy a property in India, time could not have been better for you to do so. While India’s real estate sector has seen a price correction in the recent past, buying property in Indian has also become more lucrative with favourable currency rates.  India has emerged as a lucrative spot for international capital. Overseas investments have surged 137 per cent, from USD 3.2 billion during 2011-13 to USD 7.6 billion during 2014-16. […]

Read more »

Types of tax benefits available for home loan purchase

A home is a ‘once-in-a-lifetime’ investment for many of us. It is natural that we want to make it as big and better as practically possible. But the shooting cost of property nowadays makes it difficult to acquire your desired property. No doubt, having the possibility of availing a home loan has improved affordability. It is difficult to buy a dream house entirely with our savings.  Availing a home loan not only increases our affordability but also give us a […]

Read more »

Ishq 104.8FM

Have a family Budget in place? Here are some heads you need to delve into to get it right. Is your WILL ready? Learn about what needs to be done

Read more »

Product Categorization

Product Categorization as per SEBI Rule – Research Desk Dilzer. Dear Clients some of your schemes have undergone product categorization changes. We are aware of this change and will need to see if firstly there is a category and attributes change in the scheme and also monitor its performance and suggest changes if it does not fall in line with the stated objective, and your goals.  We will revert to you individually should there be a change after monitoring the […]

Read more »

Difference between Portfolio Evaluation and Portfolio Re-Balancing

Once you’ve thought about your goals, considered your time horizon and risk tolerance, researched your options and made your investments. Now you can just sit back and relax, right? Not so fast. In order to maximize the performance of your investments (both individually and across the board) and ensure you’re staying on track with your specific goals, you need to monitor your portfolio – making changes and reallocation is needed. Portfolio Evaluation A typical portfolio evaluation will have the below […]

Read more »

Analysis of Dividend Payout vs Systematic Withdrawal Option

Please find our in-house analysis of Dividend vs Systematic Withdrawal Option as per the new tax regime effective Budget 2018. IN the below analysis a real life example of a funds Net Asset Value, Dividend paid and Growth is assumed. In the Dividend Payout illustration, dividends paid out are assumed after DDT in the new tax regime. In the SWP illustration, a fixed withdrawal is assumed and capital gains under the new regime (FY18-19) is considered.   Under the new […]

Read more »

How often is portfolio evaluation needed

The portfolio performance evaluation primarily refers to the determination of how an investment portfolio has performed relative to its comparison benchmark in the specified category. The evaluation can indicate the extent to which the portfolio has outperformed or under-performed, or whether it has performed at par with the benchmark. What is a Portfolio? A combination of various investment products like bonds, shares, securities, mutual funds and so on is called a portfolio. In the current scenario, individuals hire well trained […]

Read more »

HOUSEHOLDERS INSURANCE ANALYSIS

Plan ICICI Lombard Home Insurance Policy HDFC Ergo Home Insurance Bajaj Alliance my Home Insurance Plan TATA AIG Insta Choice United India  Protection  Structure & Contents Structure & Contents Structure & Contents Structure & Contents Structure & Contents Coverage The policy covers losses to the structure and content of your home, that might occur due to a number of natural and/or man-made calamities like fire and special perils like missile testing and explosion, earthquakes, storm, theft and burglary. Fire & […]

Read more »

Financial Independence

What is financial independence? While there are many opinions to this answer, basically, being debt free and creating a nest egg that will allow a person to live the rest of his/her life in comfort; forms the cornerstone of financial independence.  Everyone would love to live a life where they do things that they enjoy without having to work at a job only for the financial security it provides. The ability to support oneself financially without relying on a job […]

Read more »

Page 1 of 512345