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Nifty & Sensex at all time high- is situation mein kya karein?

The stock markets are on a roll. Bech dun kya?

The Sensex and Nifty, and even Midcap and Smallcap indices have been hitting fresh highs. You track your portfolio. You are elated with huge gains. Bech dun kya? You wonder to yourself.

There is nothing wrong in booking profits if you see attractive gains in your portfolio. But, this is not an ideal approach. We at CIIS encourage you to have an ‘exit’ strategy first before you park your money with us. You don’t redeem your investments just because everyone else is doing so. Or, because you expect market correction in the coming months. Markets cannot move in one direction. It’s a cycle. It’ll go up and up and down and down. You cannot time it. What you can time, however, is your exit strategy. We tell you all about it.

How to get your exit strategy right?

Buying a stock or a mutual fund is not as difficult as deciding when to sell it. However, if you approach investments in a disciplined manner, it becomes a cakewalk. Are you aware of the most basic principle of investing? If not, then you are not alone. In fact, people who know it also ignore it. Today is your chance to learn and make the most of it. This basic principle is what defines your exit strategy. Curious? Of course, you are!

I am sure you must have heard of goal-based investing. Do you do it? Tell us in comments.

Linking a goal with your investments is the basic principle of investing. You can’t just start an SIP of Rs 5000 every month for eternity. You must have a goal in mind. This could be your imminent wedding, child’s higher education or wedding, a vacation abroad or your retirement. If you have a goal in mind, we can help you estimate exactly how much funds you need to collect to secure your goal.


(Call us at +91-8178271045)

We will tell you how much monthly outgo is needed. Once we have settled that, rest assured, you will meet your goal in the timeline we have set for it.

What if the stock market performs much better than what we had expected? You’ll meet your goal sooner. If you have collected the required corpus already, you exit. As simple as that. If you have not, you don’t. The markets must be staring at a correction, but your goal is still years away. Market correction shouldn’t bother you. Assume markets do correct. It will be an opportunity to buy more stocks or units at cheaper rates. When the tide turns again you will be much richer closer to your goal.

If your goal is just a year away and you are in the middle of a bull market – as we are now – you consult your advisor. You may want to exit from equities and move your funds to a safer debt mutual fund. Your exit strategy should always revolve around your goals.


Follow the basic principle of investing. Every single investment that you have done or will do should be linked with a goal. Define your exit strategy by having a clear estimation of future value of your goals. Once you get it right, the highs and lows in the market shouldn’t bother you. Collecting the future value of your life goals is your aim (and our promise). We strive towards it. We befriend market moves to achieve it.

Call us (+91-8178271045) to know more about exit strategies. We at CIIS are happy to help.

Why April, not March, is the right month to plan your taxes.!!

Do you wait until March to take stock of taxes? You are making the commonest but gravest financial mistake.

New Year we celebrate with full gusto, but it is the beginning of the financial year that deserves celebrations. The new financial year brings with it hope and motivation for better financial discipline as we move ahead in our investment journey. Do you know the beginning of the financial year, not February or March, is the most appropriate time to get your finances and taxes in order? We see people scrambling for tax-saving certificates at the end of the financial year, but the beginning of the financial year is when you should give full attention to it and plan all of it to avoid last-minute hassles and earn more profits. We tell you why April plays a big role in your tax planning:

1) Earn more profits

Putting lumpsum money in ELSS or PPF in February or March will hardly earn any interest or returns compared to doing the same in April. The longer you stay invested, the better returns you tend to earn in ELSS. So far as PPF is concerned, if you invest the amount before 5th of any month, you earn interest for that month also. For example, if you put money in PPF before April 5, you will earn interest for the month of April. However, if you invest in it after April 5, you’ll lose out on interest for April. This money will earn interest from May onwards.

When you do have to make these 80-C-linked tax investments eventually, why not do it in the beginning itself!

2) Stagger your investments 

Often we find ourselves unable to collect a lumpsum amount for investments. This is when SIPs come to our rescue. If you plan your taxes right in the beginning and accordingly start your investments, you can stagger it on a monthly basis. You don’t have to put a lumpsum amount in ELSS or PPF. Invest a smaller amount periodically the whole year. You will get tax deduction on the cumulative amount when you file your income tax return (ITR).

3) Enough time to research about products

The goal of any investments is to serve your life objective. Taxes are secondary. When you do it in February, a tax-saving approach takes precedence over the core of investments, that is, serving a life goal. Choose an investment product after knowing all about it in detail. For example, if you buy a life or a health insurance product, usually you pay the yearly premium in one go. However, you do have an option to make monthly, quarterly or half-yearly premium payments. The aggregate amount does inch up compared to the one-time payment, but it gets affordable.

(Contact us at 8178271045 if you are willing to buy a life or a health insurance)

4) Avoid last-minute hassle

End of financial years is always taxing. You do get a lot of work to take care of. During the same time, your employer hounds you for tax documents. If you keep your taxes and investments in order from the beginning of the financial year itself, you wouldn’t face unnecessary burden at the year-end.

5) Smart investing

April is when you should sit with your financial planner to take a look at your life goals and what all means you have to reach end goals. For example, if retirement corpus is key to you, investing in National Pension Systems (NPS) makes better sense than taking the ELSS route so far as 80-C tax-linked investments are concerned. If you want to optimise your employee provident fund, then there are ways to do that too. All you need is a fee-based financial planner who can help you figure out your investments and offer you personalised advice that suits your financial condition and life goals.

(Contact us at 8178271045 to create your own financial plan)

You don’t want your money lying in a savings account or the worst, channelising it in inefficient investment avenues. Make your money work for you – and that too throughout the year for better return on investments. Optimise your investments as per your life goals. Tax-savings is a corollary. Be responsible for your money. Take action NOW. We at Caterpillar will join you and assist you to your financial freedom.

Mid-life financial crisis!!

Mid-life financial crisis and how to avert it

We all remember how Indian won the World Cup in 2011. Everybody took care of their roles in the matches and finally, India lifted the cup after 28 years. But we hated it when legends like Tendulkar and Sehwag got out early. It seemed India would lose the match if the middle order did not perform and than came Dhoni and he finished it off in style however if Dhoni didn’t perform then the result could have been different.

Just like the failure of middle-order can change the result of the match, a financial crunch in your 40s, i,e. your mid-life, can ruin a lot of things. Despite having a great run your early career, in your 40s, that decide how you will spend the most of your life ahead. Just like the collapse of middle-order exposes the tail-ender to the merciless bowling of the opposition, a wrong financial move can put your entire life in a precarious situation.

To deal with all this, there is something you can do. Long-term income plan from insurers is a product that can help you secure your mid-life and plan for the future.

In a nutshell, this is what it is: You pay a certain amount per annum for 12 years. In the thirteenth year, there is no payment and no payout. From the fourteenth year, you get a certain amount every year for the next 25 years. Setting it straighter, if you pay Rs 2 lakh as a premium per annum for 12 years, then from the 14th year you will get Rs 2.53 lakh as a payout for the next 25 years. Check out the graphic below:

Now, let’s answer all the whats and the whys in your mind.

Guarantee: A guaranteed, fixed payout for 25 years is not something you want to ditch. 25 years is a quarter of a century and a very big span of your life. Rs 2.53 lakh per annum will be a good sum of money to have regardless of the inflation. A guarantee is something we all crave for. No offence intended, but even great cricketers could not provide the guarantee of performance in each match. This plan does that for you.

Lock interest rate: Many of you may have invested in mutual funds. Let’s compare it with mutual funds. Since markets are volatile, you cannot predict your income out of it. What if the stock market is in a bear phase or faces a sudden crash just when you need money? A guaranteed income plan irrespective of how the economy and the stock market behave keeps you stress free.

Leisure: When you already have your 40-50s financially secured, you will have more time with the family. You will not have to bother about retirement, your children’s higher education or marriages all at once. This plan gives you an income that will keep things running and more importantly give you the freedom of really being there for your loved ones.

Taking a risk: There comes a time when people get bored of their work and wish to venture into something else. If you too feel the same at some point in your life, this plan will come to your aid in two ways. You can either infuse the payout amount into your new venture and give it a boost or you can simply use it as guaranteed money to run things the way they were. The money will help you do what you want without losing your night’s sleep over some financial crunch.

Unprecedented times: Life throws up challenges you never see coming. Someone can fall severely ill, your house may need immediate repairing, your kids’ education may require a huge amount of money, a wedding can end up costing way more than what you expect, and so on. This payout will give you the financial cushion to rest on. No matter what life hits you with, this money will absorb the blow.

Retirement: You may have your investments running for your retirement goal. This guaranteed plan will give it a boost. By the time you are done and dusted with your professional life, you will have this payout ready to pay its dividends. When you hit the age when you would want to relax, you will have enough money each year to really feel relaxed.

Vacation: Well, who doesn’t like an exotic vacation? If your key financial goals are already secured, you may want to use this guaranteed income to travel the world and explore different cultures.

Again, in a nutshell, be it education, a risk in career, setback, or retirement, this plan will not fail you, if you don’t fail to take it. We at Caterpillar want you to have a stress-free mid-life and retirement if your plans are that. Financial doubts and hiccups can take down the strongest of us. This plan and our service to you will not let that happen. All you need to do is come to us with an idea of your future.