Dilzer Consultants - Investments and Financial Planning

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Financial Literacy

Understanding Monetary Policy – By Dilshad Billimoria

Posted on: July 31st, 2015

July 2015 Monetary Policy Money is a unit of measure, a medium of exchange, and has value in exchange for goods and services traded. Monetary Policy Initially started under the Chairmanship of Sukhamoy Chakroborty to assess the functioning of the Indian Monetary System. Monetary Policy helps in stabilising the money supply in our economy, provides for price stability, helps in identifying the growth of real output, thus leading to enhanced economic growth in our country. Reserve Bank of India is […]

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Understanding the nuances of India’s Fiscal policy- By Dilshad Billimoria

Posted on: July 22nd, 2015

July 2015 What is Fiscal Policy Fiscal Policy of our Government simply means, maintaining income and expenditure of the country to meet the stated objectives of Infrastructure Development and Growth, Improved Capital formation and Improvement of economic activity in our country. The various heads of income received by the government comprise of Taxes(Direct and Indirect), Dividends, Interest Receipts, Disinvestment, spectrum sales. The various heads of expenditure which are further divided as planned and unplanned expenditure include subsidy, capital expenditure on […]

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Bullet Proof Your Health- COFP FP Pulse Article by Dilshad Billimoria

Posted on: June 20th, 2015

  http://cofpindia.org/fppulse/2015/06/19/need-for-health-cover/ Bullet proof your Health Someone once said, “Without health, life is not life, it is only a state of languor and suffering; an image of death”. I am about to share with you a live case study of a friend. I recently visited a friend’s mother, who had slipped into coma four years ago because of a brain stroke. The initial CT scan diagnosis revealed a Cerebro Vascular Accident – a condition of brain bleeding. The doctor announced […]

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Why HDFC stocks were a better investment than houses in last 8 years

Posted on: May 14th, 2015

While Indians have been pouring money into property stocks in a weak market, foreign institutional investors increased their ownership of HDFC to 79.65% as of 31 March. Photo: Pradeep Gaur/Mint If real estate was your investment idea between January 2007 and September 2014, there was a smarter investment option: buying shares of India’s largest housing finance company, Housing Development Finance Corp. (HDFC). Had you purchased a house, you would have had to choose your location well: 89 of the 195 […]

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When Behavioral Biases turn away from the simple truth; what do you think happens to financial decision making?

Posted on: March 3rd, 2015

Long-term financial planning is extremely important for lifetime financial security, but it is also exceptionally difficult for most investors. By improving decision making among clients, financial advisors can improve lifetime financial security. The average investor is less knowledgeable than professionals about the problem and has limited time and attention to devote to it. Understandably, investors may resort to rules-of-thumb, display biases, or behave “irrationally” in other ways. Not only does this make optimal long-term financial planning difficult for the average […]

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Protected: Documents Required – Transmission Or Redemption for Deceased Person Mutual_Fund,RBI,Mahindra Finance

Posted on: November 26th, 2014

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Protected: Budget 2014 changes on Debt taxation: FMPs vs FD returns over 3 years.

Posted on: September 10th, 2014

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Benefits of investing in Fixed Maturity Plans (FMPs) over Fixed Deposits(FDs)

Posted on: August 4th, 2014

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Is your WILL in place. What’s your excuse!

Posted on: January 15th, 2014

1.       I do not really have significant assets The real question is whether you have dependents and are these assets significant for them?  If you do have dependents, then making sure that they have easy and unfettered access to your assets is critical. A Will in this situation becomes imperative.

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Social Security Schemes in India.

Posted on: January 7th, 2014

Why Do We Need Social Security Social Security protects not just the subscriber but also his/her entire family by giving benefit packages in financial security and health care. Social Security schemes are designed to guarantee at least long-term sustenance to families when the earning member retires, dies or suffers a disability.

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