Dilzer Consultants - Investments and Financial Planning

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Can setting up a Trust suffice the necessity of Estate Planning

Posted on: November 6th, 2018

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

Posted on: November 6th, 2018

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

Posted on: October 23rd, 2018

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

Posted on: October 17th, 2018

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.

Posted on: September 20th, 2018

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.

Posted on: August 24th, 2018

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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Building a retirement corpus

Posted on: August 23rd, 2018

Everyone works hard and relentlessly with a dream of having to let go everything one day and retire peacefully. You achieve your goals, reach new highs every day, battle your competition, shoulder your responsibilities and walk down towards that elusive “retirement” day. What is also unavoidable is the reality that one day your monthly salary will stop. Therefore, one should start actively investing for retirement as soon as the first salary comes. The average earning years of a person is […]

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The benefits of investing in equity to meet your retirement corpus

Posted on: August 23rd, 2018

Planning for retirement is a must these days. Increased mortality rates can be tough due to changing inflation, life styles, and medical advancement. Investors need to decide on the right product while choosing the investments options for retirement. Let us look at two hypothetical situations. Money parked in fixed deposit : One retires with a Rs 1 crore corpus. The same is put in a bank fixed deposit. A year later, it will be worth Rs 1.07 crores. The actual […]

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Posted on: August 23rd, 2018

Buying a home is a big financial decision in an individual’s life, and many of us prefer to purchase a property which is under construction as the prices are lesser than ready-to-move-in houses. The cost-effectiveness makes an under construction property first choice for many, especially when the property is purchased as an investment. In order to unburden these homebuyers, the government offers lot of income tax benefits. These benefits vary according to the property type, nature of construction and home loan […]

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Debt Counselling

Posted on: August 14th, 2018

Ways to access funds in recent times has improved dramatically, which increasesthe spending needs amongst us. These factors have enabled us to borrow at will and in this process we get stuck with the process of repaying it. In the recent times, the average level of household debt has increased unmatched with the rising income levels. The recent data of RBI shows that personal loans have increased from around 20% of total credit in 2010 to 21% in 2016 to […]

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