Bhargava Capital

17/12/2020

Article on Balanced Advantage Fund in Hindustan Newspaper today edition.

07/10/2020

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15/05/2020

Mutual Fund sahi hai....but you have to stay invested for longer period.

10/05/2020

16/02/2018

Why mutual fund pe*******on is low?

ANSWER:-

A study on investor behavior titled, ‘An examination of Indian Mutual Fund Investor’s Awareness 2018: A road-map to improve mutual fund pe*******on among Indian Investor’ uses a behavioral science lens to understand the reason why the Indian investor has a sub-optimal engagement with MFs.

Sponsored by Foundation of Independent Financial Advisors (FIFA) and carried out by Final Mile, a behavioral research company, the research study finds six key reasons why mutual fund pe*******on is low in India.

The study says these are the reasons:

Income < aspirations: Investors engagement with mutual funds is largely dependent on their current income and aspirations. If an investor’s income and aspiration do not match, he is unlikely to invest in mutual funds. For instance, if an individual earns Rs.8 lakh a year, he can easily afford to buy Maruti Swift; however, if he aspires to buy an AUDI, his current income will not support this expense. Such a mindset is determined, not by absolute income, but rather by an income lower than what is required to satisfy investor’s immediate aspirations. These people find it difficult to engage with long term product like mutual funds because they think that mutual fund is a rich man’s product. These people dedicate cognitive effort to achieving unfulfilled, short term aspirations such as car, vacation and house and are less concerned about the building long term wealth.

However, specific events that nudge these investors to look at mutual funds, some of which align with their goals of short term gains such as tax savings, and some that help them break out of short term focus like in the event of the birth of a child.

Unfamiliarity: Investors with income greater than their aspirations, also experience barrier to engagement with mutual funds due to unfamiliarity. Since mutual funds are less familiar to the average Indian investor, these investors are satisfied with traditional investments. In addition, people evaluate less familiar products as riskier.

High return expectation: In the context of investors mostly engaging in familiar products such as FDs, the comparison of risk from FD is practically nothing (with an average return of 8%). This unfair reference point causes unusually high expectation of returns from mutual funds to compensate for perceived risk and higher cognitive effort.

Over disclosure: Choice overload and a number of product attributes that investors are not familiar with, leads them to astray them to over-simplify the decision making to one attribute that they understand i.e. returns, thus often leading to sub optimal choices.

Advice gap: Because of too much product information and choices, which they do not understand, many investors either limit their engagement with mutual funds or seek out professional help from distributors. The difference between those who seek advice and who do not among MF investors represents the advice gap.

Irrational decision: Absence of advisory services causes many investors to enter the asset class at the wrong time. This leads to a subset of investors to withdraw from the asset class, since they are unable to cope with some of the inherent characteristics of the product such as volatility.

02/09/2017

You will get your problems solution over here just call us or visit our office.

02/09/2017

HELLO GUYS WE ARE BACK AFTER A LONG TIME BUT THIS TIME WILL ENSURE YOU THAT WE WILL GET IN TOUCH ON DAILY BASES. WE HAVE ENGAGED FOR THE CLIENT BETTERMENT.

Exclusive Strategies for Enduring Wealth

21/08/2016

*BHARGAVA CAPITAL SPECIAL SERVICES*:-

1. ALL KIND & TYPE OF MUTUAL FUNDS

2. ALL TYPE OF POST OFFICE SCHEME'S

3. LIFE INSURANCE (LIC, ICICI Bharti Axa & DHFL PREMARICA)

4. GENERAL INSURANCE (L & T, ICICI LOMBARD, HDFC ERGO, BHARTI AXA and THE NEW INDIA ASSURANCE)

5. HEALTH INSURANCE (APOLLO MUNICH, L & T, RELIGARE, STAR, ICICI LOMBARD, HDFC ERGO and THE NEW INDIA ASSURANCE)

6. HOME LOAN and LOAN AGAINST PROPERTY (DHFL, LIC HOUSING, ICICI BANK, HDFC BANK, PNB & SBI BANK)

7. PREVENTIVE HEALTH CHECK-UP'S ( FULL BODY CHECK UP) we have tie with renowned HOSPITAL'S 🏥 of India

8. PAN and TAN cards facility available

9. LIC premium Deposit facility available

10. TAX PLANNING SCHEME'S

11. SENIOR CITIZENS SCHEME'S

12. CHILD FUTURE PLANNING

13. COMPANY FIXED DEPOSITS (FD)

14. CAPITAL GAIN TAX BONDS (for property's amount tax exemption)

15. INCOME TAX CONSULTANT'S

16. ALSO PROVIDE PROPERTY'S (Cottage, Land, Plot, Flat, Farm 🏡 house, Simple & Duplex) FOR PURCHASE and SALE

17. WEBSITE DESIGNING and DEVELOPING (also provide the domain)

18. SHARE & CURRENCY TRADING 💹 (SMC) & (Trustline)

19. CAR 🚗 LOAN, BUSINESS LOAN, EDUCATION LOAN, GOLD LOAN & PERSONAL LOAN.

20. DESIGNER and LATEST SUITS, SAREES, GOWNS & LEHENGAS. *(ANVIKA DRUTHERS)*

21. We also provide CC limits & OD limits.

22. LOAN AGAINST BONDS and LOAN AGAINST SECURITIES.

For any further details feel free to 📞 or ✉ us:-

*Raj Kumar Bhargava* (Chairman)
9412274836
[email protected]
&
*Mayank Bhargava* (CEO)
8006688383, 9004377234,
[email protected]

Office 🏢 Address:- LBM TOWER, LAXMI BAI MARG, MARRIS ROAD, ALIGARH- 202001
9819913326, 0571-2740760
Email 📧 I'd:[email protected] Website:- http://www.bhargavacapital.in
& http://www.shiningdigitalarts.com

01/10/2015

04/09/2015

BHARGAVA CAPITAL SPECIAL SERVICES PROVIDER :-

1. ALL KIND OF MUTUAL FUNDS

2. ALL TYPE OF POST OFFICE SCHEME'S

3. LIFE INSURANCE (LIC & ICICI)

4. GENERAL INSURANCE (L & T and THE NEW INDIA ASSURANCE) 🚘

5. HEALTH INSURANCE (APOLLO MUNICH, L & T and THE NEW INDIA ASSURANCE) 🏩

6. HOME LOAN and LOAN AGAINST PROPERTY (DHFL, LIC HOUSING & SBI) 🏡

7. PREVENTIVE HEALTH CHECK-UP'S ( FULL BODY CHECK UP) we have tie with renowned HOSPITAL'S 🏥 of India

8. PAN and TAN cards facility available

9. LIC premium Deposit facility available

10. TAX PLANNING SCHEME'S

11. SENIOR CITIZENS SCHEME'S

12. CHILD FUTURE PLANNING

13. COMPANY FIXED DEPOSITS (FD)

14. CAPITAL GAIN TAX BONDS (for property's amount tax exemption)

15. INCOME TAX CONSULTANT'S

16. ALSO PROVIDE PROPERTY'S FOR PURCHASE and SALE

17. WEBSITE DESIGNING and DEVELOPING (also provide the domain)

18. SHARE TRADING 💹 (Introducing soon)

For any further query feel free to 📞 or ✉ us:-
8006688383, 9004377234, 9412274836, 9819913326, 0571-2740760
[email protected], [email protected]

01/04/2015

5 Ways To Increase Your Annual Income

Invest in Enriching Your Life and Increasing Your Income

Increasing your annual income has many benefits- mainly, ability to afford a quality lifestyle for you and your family, and also the ability to manage unexpected money requirements.

Here are five practical ways to increase your annual income.

#1: Invest in Yourself – Add Value to Your Self Worth

Investing in yourself will give you disproportionately high return on investment- both for the amount of money invested and the time you spent.

DIY Tips to Invest in Yourself

Leverage the power of learning. Add a new skill, learn a new language, or try something that’s been on your bucket list.
Set aside time on a daily or weekly basis to read informative blogs, articles or books.
Attend a workshop, webinar or training to stay updated on the latest trends.
Explore your creative side to exercise untapped areas of your mind. This will open up different doors of perception- personally and professionally.
Invest time in taking a sabbatical – Retrospect, introspect and regain your focus

How Does This Increase My Annual Income?

Better skills, greater knowledge and wider perception, all lead to a higher level of opportunities.

#2: Invest Smart – Monetarily not Momentarily

Talking about increasing income is incomplete without considering the actual monetary aspect of investing smart.

DIY Tips to Increase Your Future Annual Income

Start early-as early as you possibly can
Invest for the long term
Make the right investment choices- for long term goals (more than 5 years), invest in equities and short term (less than 5 years), invest in debt instruments.
How Does This Increase My Annual Income?

Increase your profits by investing wisely. Instill a long term perspective to evade myopic results from a short-sighted plan.

#3: Invest in a Long Term Career Path – Map Your Progression Professionally

Mapping your professional interests can help you strategically build your career path.

DIY Tips to Chart Your Career Path

Do a SWOT analysis on your professional traits. Determine your strengths, weaknesses, opportunities and threats. In this way you can identify the best opportunities that can help you progress with purpose.
Inculcate a long term vision. Do not let short term challenges come in the way of building your potential in the future.
How Does This Increase My Annual Income?

Being at the right place, at the right time with the right capabilities, tactically improves your career prospects.

#4: Invest in Rewarding Risks – Zone Out of Your Comfort Zone

Taking risks can snap you out of your comfort zone.

DIY Tips to Zone Out of Your Comfort Zone

Take a chance to challenge yourself. Push your limits beyond the monotony of mediocre tasks. It is a bitter truth that machines will replace you eventually.
Focus on work that allows you to build your capabilities, even if it means making a drastic change.
How Does This Increase My Annual Income?

Stepping out of your bubble automatically unlocks new possibilities

#5: Invest in Health – Focus on Your Physical, Mental and Social Well Being

The real wealth is in the health and well being of your body, mind and social interaction. While the increase in disposable income may translate to a higher standard of living, it could also lead to increasing health issues.

DIY Tips to Enrich Your Wealth in Health

Physical Health
Exercise. If not for the physical benefits, it also helps in reducing your healthcare bills.
Eat healthy. A home cooked meal is not only healthier but also lighter on the pocket.
Mental Health – Many occupational lifestyle diseases are creeping into urban population. Maintain a good work-life balance to avoid mental problems such as depression, hypertension and neurological issues.
Social Well Being – Whether you admit it or not, who you interact with socially and your lifestyle have a big impact on your personality. The social environment you choose to be influenced by will affect the way you think and the decisions you make. Choose wisely.
How Does This Increase My Annual Income?

You become the environment you live in. Make it clean, green and lean on the body, mind and wallet.