WealthCare Vest

When you begin your investment journey through Systematic Investment Plans (SIPs) in mutual funds, one of the common questions that often pops up is: "Is a nominee compulsory while starting a SIP, and if yes, are their PAN details, contact number, and email ID also mandatory?" This was a real query raised by an investor in a mutual fund forum, and it reflects the genuine confusion that many investors have. Let us explain this in simple terms — the correct and complete way. 🌱 Introduction to WealthCare Vest by Raghav Goel At WealthCare Vest , we aim to simplify your investment journey with clarity, trust, and personalized guidance. Whether you're just starting your SIPs or you're a seasoned investor, our goal is to help you grow your wealth with care and knowledge. Tagline : Caring for your wealth, strengthening your investment. 👨‍👩‍👧‍👦 Is It Mandatory to Add a Nominee While Starting a SIP? Yes, as per SEBI guidelines, it has now become ma...

  Hi Investors, We often get this question: "I'm currently investing in Quant Active Fund and Quant Small Cap Fund. Should I switch to another Multi Cap or Small Cap Fund for better returns?" It’s a fair concern. After all, your hard-earned money is at stake. But before making changes to your portfolio, let’s pause and understand the bigger picture. 💡 The Real Game in Mutual Funds – It's Not Just About the AMC or Fund Name A lot of new investors jump from one fund to another just because they hear someone say, " This fund is performing better ." But here's the truth: 🔸 In the long term (7+ years) , most top-rated AMCs (Asset Management Companies) give comparable returns . 🔸 The difference in return between one good AMC and another is often marginal – especially if your goal is long-term wealth creation. So, what truly matters? Consistency in Investing – SIPs work best when uninterrupted. Fund Manager’s Experience – A skilled fund...

  Introduction With Sovereign Gold Bonds (SGBs) no longer available, where should gold investors turn? At WealthCare Vest by Raghav , we present an innovative gold investment opportunity – Gold Market Linked Debentures (MLDs) , specifically the Gold Twin Win strategy. This product offers the safety of fixed returns with the potential of gold market upside , making it a powerful substitute for traditional SGBs. What Is Gold Twin Win? Gold Twin Win is a Market Linked Debenture (MLD) tied to the MCX Gold Index , offering: Guaranteed compounded return of 5% p.a. , which amounts to 18.63% over 3 years 100% principal protection Additional upside if gold performs better than the guaranteed return This means you will get Principal + 18.63% (compounded) even if the gold index drops. But if MCX Gold performs better — say 30%, 50%, or 100% — then you earn that higher gold return instead ! Minimum Investment & Lock-In Period Minimum Investme...

  Category: Financial Planning | Author: WealthCare Vest by Ragoel Tagline: Caring for your wealth, strengthening your investment Link: https://linktr.ee/wealthcarevest Introduction In a recent public forum, someone asked: “What is the right age to start planning for retirement? In what age did you start investing for retirement?” This is a common yet critical question that every working professional, regardless of their age or income level, should ask at some point. The reality? Retirement planning should begin with your very first paycheck. Yes, you heard it right. The earlier you start, the more power you give to the magic of compounding — and the lesser financial pressure you’ll feel later in life. Start Early, Start Small It’s a common myth that retirement planning requires a big investment upfront. But in reality, starting with even a small amount is enough — as long as you start early . When you're in your 20s or early 30s, your income is generally just takin...

  Question asked in a public forum: “Is it the perfect time to buy BSE or shall I wait for its dip?” At WealthCare Vest by Ragoel , we believe in simplifying investing for everyone— “Caring for your wealth, strengthening your investment” is not just our tagline, it’s our mission. Every week, we interact with real people asking practical questions about investing. One such recent question was about investing in BSE (Bombay Stock Exchange) shares. The Truth About Perfect Timing in Investing The idea of a "perfect time" to invest can often hold people back. The reality? There is no universally perfect or wrong time to invest . Markets are dynamic and influenced by countless variables—waiting for the “right” dip may lead to missed opportunities. What truly matters is having: A clear investment goal Consistency in your investing habit A long-term vision Why Waiting Isn’t Always Wise Trying to time the market is a risky strategy. Instead, following a disciplined i...

By WealthCare Vest – Caring for your wealth, strengthening your investment At WealthCare Vest , our goal is to make financial knowledge simple and accessible for everyone. Today, let’s address a question that many investors wonder about: Why is there no ETF or Mutual Fund based on the BSE Sensex Next 50 Index? The Simple Answer: BSE (Bombay Stock Exchange) has the Sensex, which includes the top 30 stocks based on market capitalization. However, BSE has not yet launched a “Sensex Next 50” index like NSE (National Stock Exchange) has done with its Nifty Next 50. This means that BSE doesn’t currently offer an official index that covers the next 50 companies beyond the Sensex 30 – and hence, fund houses and ETF providers don’t have a benchmark to build products on. But Wait, Isn’t There a Similar Index? Yes! NSE already provides a well-recognized Nifty Next 50 index , which includes the 50 companies just below the Nifty 50. These companies are often strong performers and po...

Recently, someone asked this question in a public forum, and I thought of sharing a simple and practical answer for everyone’s benefit.   One of the most common questions people ask is: "How much percentage of my salary should I save and invest?" The truth is, there’s no fixed percentage for everyone—it completely depends on your monthly expenses and lifestyle . To get a clear picture, I recommend you start by creating a personal cash flow statement . A cash flow statement helps you track: Your monthly income Fixed and variable expenses Actual savings left at the end of the month Once you know your exact monthly savings , it becomes easy to calculate your saving percentage of income. From there, you can decide how much you want to allocate towards investments like mutual funds, SIPs, or insurance plans. If you need a cash flow Excel sheet , I’d be happy to create and share one with you. It’s a great first step toward gaining control over your finances. https...

This question was asked in a public forum, and I’m sharing the best possible answer for everyone’s benefit . By WealthCare Vest by Raghav Goel If you're earning ₹1 lakh a month and investing ₹30K to ₹35K in SIPs, you're already on the right path. But the big question is — can you really hit ₹1 crore in the next 8 or 9 years? Let’s break it down in the simplest way possible. --- Current Situation: Salary: ₹1,00,000 in-hand per month Current SIP: ₹30K–₹35K/month Existing Portfolio: ₹17.7 lakhs Investment Goal: ₹1 Cr / ₹2 Cr / ₹5 Cr Expected Returns: 12% annually (moderate and realistic) Market Movement Today: +0.83% (just an example of daily fluctuation) --- Goal 1: ₹1 Crore With ₹30,000 SIP/month : In 8 years – you may reach ₹88.4 lakhs In 9 years – you can cross ₹1.02 crore With ₹35,000 SIP/month : In 8 years – you may reach ₹96 lakhs In 9 years – you can reach ₹1.11 crore Conclusion: You can reach ₹1 crore in 9 years, especially if you invest ₹35K monthly. Increasing...

By WealthCare Vest by Raghav Caring for your wealth, strengthening your investment. https://linktr.ee/wealthcarevest --- Planning for retirement is a wise financial move—but understanding how taxes apply when you withdraw money is just as crucial. Whether you're nearing retirement or just curious, here's a simplified breakdown to help you make smarter decisions. 1. Types of Retirement Accounts In India, common retirement savings options include: a. Employees' Provident Fund (EPF) b. Public Provident Fund (PPF) c. National Pension System (NPS) d. Superannuation Funds e. Pension plans by insurance companies Each of these has different rules when it comes to tax treatment at the time of withdrawal. 2. Tax Implications Explained a) EPF (Employees’ Provident Fund) Tax-Free Withdrawals if: You have completed 5 years of continuous service. The withdrawal is due to retirement or job change after 5 years. Taxable Withdrawals if: Withdrawn before completing 5 years of s...

By Raghav | WealthCare Vest Caring for your wealth, strengthening your investment https://linktr.ee/wealthcarevest --- What Happened Recently? On the night of May 6, 2025 , India launched Operation Sindoor to retaliate against the Pahalgam terror attack. The military operation targeted 9 camps in Pakistan and Pakistan-Occupied Kashmir (POK). Source: PIB Press Release – https://pib.gov.in/PressReleseDetailm.aspx?PRID=2127370&reg=3&lang=1 --- How Have Markets Reacted in the Past? Let’s look at what history says about wars and the Indian stock market (Nifty 50): Kargil War (1999): Initial drop of -8.3%, but Nifty gained 36.6% during the war and 29.4% in the following year. Uri Surgical Strike (2016): Minor fluctuations, followed by an 11.3% rise in a year. Balakot Airstrike (2019): Slight dip, but markets rose 8.9% after one year. Key Insight: Markets tend to recover well after initial panic during geopolitical tensions. --- India’s Economic Strength Durin...

Introduction Retirement planning is no longer a luxury—it's a necessity. With rising life expectancy and inflation, planning for your golden years has become more important than ever. But the biggest question remains: Where should you invest your money for retirement? At WealthCare Vest by Raghav , we believe that the right financial guidance and planning can make your retirement stress-free, secure, and fulfilling. In this blog, we’ll walk you through how to choose the right retirement investments tailored to your goals, risk appetite, and life stage. --- 1. Understand Your Retirement Goals Before diving into investment options, ask yourself: At what age do you plan to retire? What kind of lifestyle do you expect? Do you plan to travel or pursue hobbies that need funding? What monthly income will you need post-retirement? Having a rough estimate of these numbers will help you determine how much you need to save and what kind of returns you should aim for. --- 2. Asses...

Because a good score opens doors! Do you dream of owning a home, getting your dream car, or simply being financially stress-free? Guess what? Your credit score plays a HUGE role in that! Let’s dive into simple, smart ways to improve your score – and keep it strong. --- What is a Credit Score? A credit score is a 3-digit number that tells lenders how trustworthy you are when it comes to borrowing money. The higher the score, the better your chances of getting loans, credit cards, and lower interest rates. --- Tips to Boost Your Credit Score 1. Pay Your Bills On Time ⏰ This is the #1 rule! Late payments hurt your score . Set reminders or auto-pay to stay on track. 2. Keep Your Credit Utilization Low Use less than 30% of your credit limit. If your card limit is ₹1,00,000, try to spend less than ₹30,000. 3. Don’t Close Old Accounts ❌ Old credit cards show a longer credit history – which is good for your score! 4. Check Your Credit Report Regularly Errors happen. A wrong entr...