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mutual funds investment and Portfolio managementIndividuals as well as corporate can set aside some amount every month to meet periodic outgoes, which are short term in nature. The same could be done for meeting long-term goals as well. Here, we discuss some examples.

How to Calculate MFs SIP's Amount 

As an individual investor, you can use SIPs to accumulate some amount every month to meet your expenses for your family vacation that you aspire to every two years. For example, suppose you put in Rs 10,000 each month through an SIP in an income fund and you get an average annual return of about 10%. So at the end of the two years, when you are ready for your family vacation, you have a corpus of about Rs 2.67 lakh. As a person who is in charge of finances at a small manufacturing unit, you need to pay advance taxes every quarter. Here, you can use an SIP in liquid schemes of good fund houses for your quarterly payments. For example, if you have an advance tax payment outgo of about Rs 3 lakh for the next quarter, you can put in Rs 1 lakh each month in the SIP so that, at the end of the third month, you have a little over Rs 3 lakh. Or you can put in Rs 99,000 in the SIP and have just about Rs 3 lakh.

Here, we are assuming a return of 8% per annum for the liquid fund -a conservative estimate given that in the last one year most liquid funds have given higher than 8% return. Corporates can use this for service tax payments, dividend and employee bonuses, according to financial planners.

One can use SIPs in equity funds for building a long-term corpus for retirement planning, child's higher education, wedding, etc.

Most fund houses tell their customers to go for SIPs in equity funds for building a large corpus for the future. Here, other than discipline, the compounding impact of investing over several years also kicks in, which ultimately brings in a large sum of money for the investor. Most of the top mutual fund houses have SIP calculators on their websites. Make use of these tools to plan your SIP for each of your life's goals. You can use those calculators to get a good idea about the amount you need to save every month, how much corpus you need for your long-term goals, etc.

Also, since there could be some tax implications relating to these investments through SIPs, may be you can seek some professional help from financial planners, advisers and or tax consultants.
What Blockchain and Bitcoin Mean for the Protection Business You may have heard the expressions "blockchain" or "Bitcoin" utilized as a part of tech hovers in the course of recent years. These ideas, alongside intense utilize cases, are changing how we consider money, exchanges and contracts.

Simultaneously, they're likewise changing how we consider the protection business. These progressions will affect protection bearers and operators, and how protection is purchased and sold. That implies understanding blockchain and Bitcoin is essential in case you're hoping to win in the cutting edge protection industry. This post has you secured. It gives meanings of blockchain and Bitcoin, at that point separates why this data is critical to protection industry experts. 


In their book Blockchain Upheaval, Wear and Alex Tapscott clarify that blockchain is "the brilliantly straightforward, progressive convention that enables exchanges to be at the same time mysterious and secure by keeping up a sealed open record of significant worth." The blockchain is intended to store exchange records ("obstructs") in numerous spots, connected to each other (henceforth the "chain" some portion of the name) and straightforward to any client who wishes to see them. Critically, this record can't be changed, so anybody can see a typical and exact rundown of authentic exchanges. Bitcoin is a kind of computerized money that utilization's blockchain innovation. It's not by any means the only one that utilization blockchain, yet is one of the more prevalent alternatives available. Despite the fact that bitcoin is the most famous cryptographic money upheld by blockchain innovation, other advanced monetary forms, for example, ether and litecoin—utilize blockchain innovation too. All bitcoin exchanges are recorded in a decentralized open record that can't be adjusted. In principle, this is something worth being thankful for on the grounds that it makes trust among all gatherings of the exchange and gives an unmistakable trail of procurement that avoids fake exchanges. This is one manner by which blockchain can possibly change exchanges. However, remember that blockchain does not need to be money related. 

Ramifications OF BLOCKCHAIN AND BITCOIN FOR THE Protection Business Blockchain applications like cryptocurency, shrewd contracts and decentralized models for protection will change how protection is appropriated. What's more, when you change how protection is disseminated, you significantly modify how existing players profit and test business as usual. Insurance agencies could utilize the blockchain to make a disseminated record that cultivates straightforwardness, successfully tracks cases and exchange history, and gives perceivability into the authenticity of a claim. Brilliant contracts based on the blockchain can balance deceitful claims by recording exchange history on people in general system, which would dismiss different cases for a similar occasion. This could spare the business billions and open up gigantic chances to make huge measures of significant worth for buyers. Cryptocurriencies can make trust amongst safety net providers and their clients could make trust. For example, INGUARD was the principal insurance agency to acknowledge bitcoin installments. We did this since it was the correct activity for our well informed clients—a state of mind very rare in the protection business today. Consider: 40% of protection premiums turn over every year—and 66% of buyers would purchase protection on the web in the event that they could. 

What's more, and, after its all said and done, they're scarcely happy with back up plan sites. Shoppers don't confide in their safety net providers to put their best advantages on the most fundamental level or execute in a reasonable, break even with way. Bitcoin and blockchain innovation, as we would see it, are devices that can possibly carefully ensure customers, as well as reestablish assume that their needs are being met. Innovation appropriation in the protection business ought to dependably make more an incentive for shoppers. It should expel contact from the purchasing procedure and empower a superior client encounter. What's more, its adequacy ought to be estimated by consumer loyalty, not the amount PR or advertising duplicate another framework creates. That doesn't generally happen. In any case, with the focal points blockchain innovation gives, that could begin to change. Also, that will be advance in reality.