WealthCare Vest

Written by Raghav Goel, MBA (Marketing & Finance), Financial Planner, Founder – WealthCare Vest Caring for your wealth, strengthening your investment. Introduction: Should You Change Your Investments When the Market Falls? Imagine checking your mutual fund portfolio on a Monday morning and discovering that its value has fallen by 5% in just a few weeks. News channels are discussing global uncertainty, social media is full of predictions, and someone in your family suggests withdrawing all your money before the market falls further. What would you do? For many investors, market volatility creates confusion. Some stop their Systematic Investment Plans (SIPs), some sell their existing investments, and others start looking for the latest mutual fund that promises better returns. But reacting to every market movement can make investing unnecessarily complicated. The better approach is to understand why your portfolio is falling, whether your investments still match your financial goals,...

Written by Raghav Goel, MBA (Marketing & Finance), Financial Planner, Founder – WealthCare Vest Market volatility is something every investor experiences sooner or later. One month, your mutual fund portfolio may be showing healthy gains. A few weeks later, the same portfolio may be down because of global events, interest-rate changes, inflation, geopolitical tensions, corporate earnings, or simply a change in investor sentiment. The natural reaction is often: “Should I stop my SIP?” “Should I move everything to a safer investment?” “Should I wait for the market to become normal?” These questions are understandable. But trying to predict every market movement can make investing unnecessarily complicated. Instead of asking, “What will the market do next?” , investors can ask a more useful question: “Is my portfolio diversified enough for my financial goals and risk tolerance?” This is where diversified mutual fund categories such as multicap funds and multi-asset funds can become r...

Written by Raghav Goel, MBA (Marketing & Finance), Financial Planner, Founder – WealthCare Vest Most of us have financial goals. We want to buy a house, build a retirement corpus, fund our children's education, travel, become debt-free or simply have enough money so that an unexpected expense does not disturb our lives. But there is one question that many people rarely ask: “Am I actually on track to achieve my financial goals?” Having a salary, maintaining a savings account, investing in mutual funds or starting an SIP does not automatically mean that your financial plan is working. You can be investing every month and still be falling behind your goals. For example, suppose someone wants to build ₹1 crore over the next 15 years. They may proudly say, “I have been investing ₹10,000 every month for the last three years.” That sounds disciplined. But the more important question is: “Is ₹10,000 per month enough to reach the ₹1 crore target?” This is where financial planning becom...

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...