WealthCare Vest

Written by Raghav Goel, MBA (Marketing & Finance), Financial Planner, Founder – WealthCare Vest Raksha Bandhan is usually associated with a rakhi, sweets, chocolates, clothes and a gift for your brother or sister. But what if this year, your gift could be a little different? Instead of giving something that may be used or spent within a few days, you could consider giving something that has the potential to remain invested for years. Yes, you can gift eligible mutual fund units to your brother or sister , subject to applicable rules, KYC requirements, folio conditions and scheme eligibility. The idea may sound complicated at first. How do you actually transfer mutual fund units to someone else? Can you do it online? Can it be done through CAMS, KFintech or MF Central? Does the recipient need a mutual fund account? What happens from a tax perspective? Let's understand everything in simple language. What Does It Mean to Gift a Mutual Fund? There is an important difference between...

Written by Raghav Goel, MBA (Marketing & Finance) Financial Planner | Founder – WealthCare Vest There is a strange feeling that comes with seeing the stock market fall sharply. Your portfolio is red. News channels are talking about a crash. Social media is full of predictions about the next big fall. Investors who were celebrating a few months ago are suddenly discussing whether they should sell everything and wait for things to become normal again. But here is the question I ask myself: Am I happy if the stock market is crashing? Yes—but with an important condition. I am not happy because people are losing money. I am interested in falling markets because lower prices can create opportunities for long-term investors , provided the underlying investments remain fundamentally sound and the investor has the financial capacity and patience to stay invested. A falling market is not automatically a buying opportunity. Sometimes a falling price is simply a cheaper entry point. Sometimes ...

Why Staying Invested During a Market Crash Can Build Long-Term Wealth Written by Raghav Goel, MBA (Marketing & Finance) Financial Planner | Founder – WealthCare Vest What Should You Do When the Stock Market Is Falling? Have you ever opened your investment app and noticed that almost everything is in red? Your mutual fund value has dropped. The stock market is making headlines for the wrong reasons. News channels are talking about "market crashes," friends are suggesting you stop your SIPs, and social media is filled with fear. At that moment, one question comes to almost every investor's mind: "Should I continue investing, or should I wait until the market recovers?" If you've asked yourself this question, you're not alone. Every investor—whether new or experienced—faces periods when markets fall sharply. These phases can be uncomfortable, but they are also one of the most important tests of investment discipline. The truth is simple: Market correcti...