Long Term Stocks for 2023 -24

Script Name

CMP

Target Price

Stop Loss

Suzlon Energy

20 - 22

50

15

Hindustan Zinc Ltd.

310 - 315

400

280

Marksans Pharma Ltd

110 -115

200

70

Pricol Ltd.

310

450

280

Tata Moters

605-610

800

550

Shree Cements Ltd.

23850 - 23865

29000

22000

HEG Ltd.

1700-1715

2500

1500

Cipla Ltd.

1200-1210

1800-2000

1100

  

DISCLAIMER/DISCLOSURE: We are not SEBI Registered All posts

for Education and Learning purpose only,

 contact your Advisor before Investing.        

F & O Stocks for September 2023

 

DISCLAIMER/DISCLOSURE: We are not SEBI Registered All posts for Education and Learning purpose only, contact your Advisor  before Investing.

Tips How to choose best Term insurance plan

Term insurance is a type of life insurance that provides coverage for a specific period, known as the "term." If the insured person passes away during the term of the policy, a death benefit is paid out to the beneficiaries. Unlike other types of life insurance, such as whole life or universal life insurance, term insurance does not accumulate cash value over time. It is designed to provide financial protection to your loved ones in case of your untimely death.



Here are some steps to help you choose the best term insurance plan:


1. **Assess Your Coverage Needs**: Determine the amount of coverage you need based on factors such as your current financial obligations, future goals, debts, and dependents' needs. The coverage amount should be sufficient to replace your income and support your family's financial well-being.


2. **Choose the Right Term Length**: Decide on the duration of the term based on your specific needs. Common term lengths are 10, 15, 20, 25, or 30 years. Choose a term that aligns with your financial goals and the time until your dependents become financially independent.


3. **Compare Premiums**: Obtain quotes from multiple insurance companies and compare premium rates for the coverage you need. Look for plans that offer competitive premiums while providing the desired coverage.


4. **Check Claim Settlement Ratio**: Research the claim settlement ratio of different insurers. A higher claim settlement ratio indicates the insurer's reliability in honoring claims. You want an insurer with a good track record of settling claims promptly.


5. **Understand Riders and Add-ons**: Many insurance companies offer additional riders or add-ons that can enhance the coverage of your term plan. Examples include critical illness rider, accidental death benefit, waiver of premium, etc. Assess whether these riders align with your needs.


6. **Read Policy Terms and Conditions**: Carefully read and understand the terms, conditions, and exclusions of the policy. Make sure you know what is covered and what is not.


7. **Financial Strength of the Insurer**: Consider the financial strength and stability of the insurance company. Independent rating agencies provide ratings based on an insurer's financial health, which can give you insight into their ability to fulfill claims.


8. **Online Tools and Services**: Look for insurers that offer online tools for premium calculation, policy purchase, and claim processing. These tools can simplify the process and make it more convenient for you.


9. **Customer Reviews and Feedback**: Research customer reviews and feedback about the insurer's customer service, responsiveness, and claim settlement process. This can give you an idea of the company's reputation.

which is best Term insurance plan in india 2023- 2024

10. **Consult a Financial Advisor**: If you're unsure about which term insurance plan to choose, consider consulting a financial advisor. They can help you assess your needs and guide you toward a plan that aligns with your financial goals.

How to evaluate and choose a term insurance plan:


1. **Claim Settlement Ratio**: Look for insurance companies with a high claim settlement ratio. This ratio indicates the percentage of claims settled by the company out of the total claims received.


2. **Premium Rates**: Compare premium rates across different insurers for similar coverage. Choose a plan that offers competitive premiums while providing the required coverage.


3. **Coverage Amount**: Ensure that the plan offers an adequate coverage amount that would financially support your family in case of your unfortunate demise.


4. **Policy Term**: Choose a policy term that aligns with your financial goals and the time until your dependents become financially independent.


5. **Riders and Add-ons**: Check if the insurance company offers additional riders or add-ons that can enhance the coverage of the policy, such as critical illness rider, accidental death benefit, etc.


6. **Customer Reviews and Feedback**: Look for reviews and feedback from existing policyholders to get insights into the company's service quality, responsiveness, and claim settlement process.


7. **Financial Strength**: Consider the financial strength and stability of the insurance company, as this will impact its ability to honor claims in the future.


8. **Online Tools and Services**: Opt for insurers that provide online tools for premium calculation, policy purchase, and claim processing, as these can simplify the insurance process.


9. **Underwriting Process**: Understand the underwriting process of the insurer, including medical examinations and documentation requirements.


10. **Term Conversion Option**: Some term plans offer the option to convert the policy into a permanent life insurance policy at a later stage without the need for additional medical underwriting. This can be valuable if your insurance needs change.


Remember to thoroughly read and understand the policy terms, conditions, and exclusions before making a decision. It's also advisable to consult with a financial advisor to ensure that the chosen term insurance plan aligns with your overall financial plan and goals. For the most up-to-date information on the best term insurance plans in India for 2023, please refer to credible financial websites, insurance comparison portals, or consult with a financial expert.

Remember that the "best" term insurance plan may vary from person to person based on individual circumstances. Take your time to research, compare options, and choose a plan that provides the coverage and peace of mind you and your loved ones need.

which is best Term insurance plan in india 2023- 2024

 The best term insurance plan in India 2023 and 2024 depends on your individual needs and circumstances. However, some of the most popular and highly rated plans include:

  • HDFC Life Click 2 Protect Life - This plan offers a high claim settlement ratio (99.30%), affordable premium rates, and a wide range of features, such as coverage for death, disability, and critical illness.


  • ICICI Pru iProtect Smart - This plan also has a high claim settlement ratio (97.90%) and offers flexible payment options. It also includes a unique feature called "Terminal Illness Benefit," which pays out a lump sum amount if you are diagnosed with a terminal illness.
  • Max Life Smart Secure Plus Plan - This plan offers a wide range of coverage options, including coverage for death, disability, and critical illness. It also has a high claim settlement ratio (99.51%) and affordable premium rates.
  • Tata AIA Life Insurance Sampoorna Raksha Supreme - This plan offers a high claim settlement ratio (99.01%) and a wide range of features, such as coverage for death, disability, and critical illness. It also includes a unique feature called "Return of Premium on Maturity," which pays back the premiums you have paid if you survive the entire policy term.

Here are some of the best term insurance plans in India in 2023, based on factors such as claim settlement ratio, premium rates, and features:

These plans offer a wide range of features, such as:

  • High claim settlement ratio
  • Affordable premium rates
  • Flexible payment options
  • Coverage for death, disability, and critical illness
  • Waiver of premium on disability
  • Return of premium on maturity

It is important to compare different term insurance plans before choosing one that is right for you. You should consider factors such as your age, health, financial goals, and budget. You should also ask about the claim settlement ratio of the insurance company, as this is an indicator of how likely your claim will be paid.

It is important to compare different term insurance plans before choosing one that is right for you. You should consider factors such as your age, health, financial goals, and budget. You should also ask about the claim settlement ratio of the insurance company, as this is an indicator of how likely your claim will be paid.

Remember to thoroughly read and understand the policy terms, conditions, and exclusions before making a decision. It's also advisable to consult with a financial advisor to ensure that the chosen term insurance plan aligns with your overall financial plan and goals. For the most up-to-date information on the best term insurance plans in India for 2023, please refer to credible financial websites, insurance comparison portals, or consult with a financial expert.

F&O Stocks for August 2023

 some F&O stocks for August 2023:

  • Indiabulls Housing Finance (IHFL): IHFL is a leading housing finance company in India. The stock has been on a bull run in recent months, and is expected to continue to perform well in August.


  • Hindustan Copper (HCL): HCL is a government-owned mining company. The stock is expected to benefit from the rising copper prices in the global market.
  • Piramal Enterprises (PEL): PEL is a diversified financial services company. The stock has been outperforming the market in recent months, and is expected to continue to do so in August.
  • EICHERMOT (EI): EI is a leading engineering and construction company. The stock is expected to benefit from the government's infrastructure spending plans.
  • ICICI Bank (ICICI): ICICI is one of the largest banks in India. The stock is expected to benefit from the rising interest rates in the economy.

These are just a few of the many F&O stocks that are expected to perform well in August 2023. It is important to do your own research before investing in any stock.

Here are some other factors to consider when choosing F&O stocks:

  • The overall market sentiment
  • The individual stock's fundamentals
  • The technical indicators
  • The volatility of the stock

It is also important to remember that F&O trading is a risky activity, and you should only invest if you are comfortable with the risks involved.

Potential ways to earn money online 2023 for students

Here are some potential ways to earn money online for students free in 2023:

1. **Freelancing**: Freelancing involves offering your skills and services to clients on online platforms such as Upwork, Freelancer, and Fiverr. Whether you're a writer, designer, programmer, or marketer, you can create a profile showcasing your expertise and bid on projects that match your skills. As you complete projects and receive positive feedback, you can build a reputation and attract more clients, leading to a steady stream of income.



2. **Online Surveys and Market Research**: Participating in online surveys and market research studies allows you to share your opinions on various products and services. Platforms like Swagbucks, Survey Junkie, and Vindale Research offer surveys and tasks that you can complete in exchange for points or cash. While the income from individual surveys might be small, consistent participation can accumulate earnings over time.


3. **Content Creation**: Creating content on platforms like YouTube, blogs, or podcasts can be a rewarding way to earn money online. With YouTube, you can monetize your videos through ads, channel memberships, and merchandise sales. Blogging allows you to generate income through display ads, sponsored posts, and affiliate marketing. Podcasting can be monetized through sponsorships and listener support.


4. **Online Tutoring**: Online tutoring platforms like Chegg, Tutor.com, and VIPKid connect educators with students seeking academic assistance. You can teach a variety of subjects or languages remotely through video calls and interactive tools, helping students achieve their learning goals while earning money.


5. **Selling Handmade or Vintage Items**: If you're skilled in crafting or have unique vintage items, platforms like Etsy provide a marketplace to showcase and sell your creations. You can set up an online store, list your items, and handle transactions, shipping, and customer inquiries.


6. **Dropshipping**: Dropshipping involves setting up an e-commerce store without holding inventory. You partner with suppliers who fulfill orders directly to customers. As a dropshipper, you handle the storefront, marketing, and customer service, while the supplier manages inventory and shipping.


7. **Affiliate Marketing**: Affiliate marketing involves promoting products or services through your website, blog, or social media using specialized referral links. When someone makes a purchase through your link, you earn a commission. Successful affiliate marketers build a targeted audience and strategically promote products that align with their audience's interests.


8. **Online Writing**: Platforms like Medium, Vocal, and HubPages allow you to publish articles on various topics. You can earn money based on factors such as the number of views, reads, or engagement your articles receive from readers. Quality content and effective promotion can increase your earnings.


9. **Stock Photography**: If you're a photographer, you can earn money by selling your photos on stock photography websites. Businesses, designers, and individuals purchase these photos for use in various projects, and you receive a percentage of the sale price each time your photo is downloaded.


10. **Online Marketplaces**: Online marketplaces such as eBay, Craigslist, and Facebook Marketplace enable you to sell items you no longer need. Whether it's clothing, electronics, furniture, or collectibles, you can create listings and connect with potential buyers in your local area or beyond.


11. **Social Media Management**: Businesses recognize the importance of a strong social media presence, and many are willing to hire social media managers. As a social media manager, you create and curate content, schedule posts, engage with followers, and analyze performance metrics to help businesses grow their online reach.


12. **Remote Work**: Remote job opportunities are available in various fields, allowing you to work from the comfort of your home. Websites like Remote.co, We Work Remotely, and FlexJobs list remote job openings in areas such as customer service, writing, programming, design, and more.


13. **Virtual Assistance**: As a virtual assistant, you provide administrative, organizational, or creative support to businesses or individuals remotely. Tasks may include scheduling appointments, managing emails, creating presentations, and handling customer inquiries.


14. **Language Translation**: If you're proficient in multiple languages, you can offer translation services online. Platforms like Gengo and Unbabel connect translators with clients who need documents, websites, or content translated accurately.


15. **Ebook Publishing**: If you have expertise in a particular subject or a knack for storytelling, you can write and self-publish ebooks. Platforms like Amazon Kindle Direct Publishing (KDP) allow you to publish and sell your ebooks to a global audience, earning royalties for each sale.


When pursuing these methods to earn money online for free, it's important to research and choose the avenues that align with your skills, interests, and goals. Success often requires dedication, continuous learning, and adapting to changes in the online landscape.

Avoid These 5 Common Mistakes When Investing in Stocks

Investing in stocks can be a rewarding way to grow your wealth over time, but it's not without its risks and challenges. Many individuals, especially newcomers to the stock market, fall prey to common mistakes that can hinder their investment journey and potentially lead to losses. In this article, we'll highlight five of these common mistakes and provide guidance on how to avoid them, ensuring a more successful and informed approach to stock investing.



1. Neglecting Proper Research : 

One of the most significant mistakes novice investors make is diving into the stock market without conducting thorough research. It's essential to have a solid understanding of the companies or industries you plan to invest in. Skipping due diligence on a company's financial health, performance, competitive position, and growth prospects can lead to uninformed investment decisions. Take the time to research and analyze a company's fundamentals before committing your hard-earned money.


2. Timing the Market : 

Attempting to time the market to buy stocks at their lowest point and sell at their highest can be a risky strategy. Even seasoned professionals find market timing challenging, and for individual investors, it can be even more difficult. Instead of trying to time the market, focus on long-term investing and holding onto quality stocks that have the potential for growth. This approach is more likely to yield favorable returns over time.


3. Overlooking Diversification


Putting all your investment capital into a single stock or a few stocks from the same industry exposes you to significant risks. Diversification is a key principle in investing that helps spread risk across various assets. By investing in a mix of stocks from different industries and sectors, you can reduce the impact of poor performance in any one particular stock on your overall portfolio.


4. Succumbing to Emotional Investing


Emotions can be the downfall of many investors. Fear and panic during market downturns may lead to selling at the wrong time, while greed can cause overconfidence and speculative behavior. Successful investors practice emotional discipline and stick to a well-defined investment plan. Making decisions based on rational analysis rather than emotions can lead to more prudent and successful investing outcomes.


5. Ignoring the Power of Patience


Investing in stocks is a long-term endeavor. Some investors become impatient and expect quick returns, leading them to make impulsive decisions. However, the stock market goes through ups and downs, and successful investors understand the value of patience. It's crucial to give your investments time to grow and mature, allowing compounding returns to work in your favor.



Investing in stocks can be a fruitful journey if approached with the right mindset and strategy. Avoiding common mistakes such as neglecting proper research, attempting to time the market, overlooking diversification, succumbing to emotional investing, and lacking patience can significantly increase your chances of success in the stock market. Remember that investing is a learning process, and it's okay to make mistakes along the way as long as you learn from them. By staying informed, disciplined, and focused on your long-term goals, you can navigate the complexities of the stock market and build a robust and successful investment portfolio. Always seek guidance from financial professionals and continue educating yourself to become a more informed and savvy investor.








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