TruStage Insurance Agency

Insurance protection must be in your part of a solid financial plan. You never know when the accident knocks on your door. Trustworthy insurance coverage helps safeguards financial relief when you need it most. As long as the insurance coverage is with you, it means you can take comfort in knowing you’re secure.

TruStage Insurance Agency makes a range of insurance products and programs available to the members and helps you defend what matters most.

TruStage Life Insurance Options

 

1. Term Life Insurance: 

 

The term Life Insurance helps to protect your other family members from the loss of your income if you were to die suddenly. It certainly helps your family meet their financial needs from household expenditures to rentals in your absence. Term Insurance Plan provides large life insurance cover at reasonable prices.

2.  Whole Life Insurance:

 

A Whole Life Insurance gives guaranteed death benefits during the entire life of the policyholder. The coverage is comprehensive for as long as the insured lives, as long as the premiums are paid up and the policy is not surrendered. These insurance plans are mainly designed to provide to those who do not want a fixed term, but rather have insurance cover till whenever they meet their death.

3. Children’s Whole Life Insurance:

 

This insurance coverage offers your child the gift of a lifetime - a whole life insurance policy up to $50,000 that’s assured for life. Children's Whole Life insurance pays money upon the death of the insured and may also build cash value

Accidental death and dismemberment insurance:

 

This insurance pays you or your beneficiaries a set amount of money if your death or dismemberment due to the result of an accident. There are restrictions that make accidental death and dismemberment insurance far less beneficial to the insurer. $100,000 of coverage for $10-$15 per month.

Car Insurance: 

 

We know every car requires fuel and maintenance to serve you but you also need car insurance to protect your car and you if something unpleasant occurs. A car insurance policy is an essential factor which safeguards the flawless upkeep of your precious vehicle. The Trustage’s car insurance plans are specially designed to offer enhanced protection at affordable rates. This insurance coverage offers protection for your Car, Motorcycle, Boat or Watercraft, ATV or Off-Road Vehicles & Recreational Vehicle (RV).

Health Insurance: 

 

Health insurance helps you to provide financial support when your health is not well. Just like you select your home insurance or car insurance, you are allowed choose a plan and agree to pay a certain rate, or premium, each month. You are assured by the health insurer to receive a portion of total medical costs.

To get the more details and plans click here https://www.trustage.com

Difference Between Fundamental Analysis and Technical Analysis

In the earlier days, fundamental analysis was the only Investment method' that was a given any credibility. But in the modern days, it is changed so much as the arrival of the high-speed computing system. The technical analysis is much easier to understand rather than the fundamental analysis. Nowadays many lodge investment companies and portfolio managers use the technical analysis than the fundamental analysis. People are using technical analysis than the fundamental analysis because it is much easier to calculate and it is very easy to determine nearest the entry and exit point. But it is very difficult in fundamental analysis to calculate the exact entry and exit point.

The market has changed a lot today. For that, we also need to change our strategies according to the modern trend. Your investments are moving based on the technical factor rather than the fundamental factors.

To become a successful investor you need to follow both the fundamental analysis and technical analysis. I always suggest you select the stocks and the sectors which are fundamentally very strong and then select technical analysis to decide whether to buy that stock or not.

What is the fundamental analysis?

Fundamental Analysis is a method, with this method you can evaluate the value of the underlying company. Basically, we do a fundamental analysis to understand the economic conditions and the industry along with the company’s financial condition and management performance. You can understand this by reading the balance sheet, the profit and loss statement, financial ratios and other data that could be used to forecast the future of a company. Generally, we use the real data to analyze a stock’s value. Fundamental analysis uses, book value, return on equity, earnings, revenues, future growth, profit margins and other data to define a company's underlying value and prospects for future growth.  The thinking behind the fundamental analysis is that as the company grows so will the value of the shares increase.

What is technical analysis?

Technical analysis started out with pretty simple concepts. Earlier, it was about looking for directional trends in prices and divergences between related market indexes.  At the time the stock prices start moving in one direction either upper or lower, and then they are more likely to follow that trend than to reverse. Technical analysis was just a way to visualize this perception.

Fundamental analysis and technical analysis they have different goals. Fundamental Analysis mainly focuses on long-term investment what is the technical analysis mainly focuses on short-term and mid-term investment. 

Do you trade technical or fundamentals?

It completely depends on you, whether you are a short term, long term or medium term investor. If you are a medium term or short term trader then the possibility is that you are looking for technical analysis and rather than the fundamental analysis. Because if you follow the technical analysis then you will be able to act quicker after watching the chart pattern. Because if you are trading for the short term of little then you should not always look for the entry and exit point only. You should also look for the stop-loss point.

Long-term investors always look for the fundamental analysis more than the technical analysis. Long-term investors also look for the technical analysis to know the stock Trend whether it is in uptrend or downtrend. As a long-term investor, there is little more time available for considering all other factors

Fundamental Analysis Tools (discussed here at https://investmenttipstoday.blogspot.com/2018/04/fundamental-analysis-of-stocks.html)

•    Earnings Per Share
•    Price to Earnings Ratio (PE Ratio)
•    Price to Sales Ratio (PS Ratio)
•    Dividend Payout Ratio:
•    Book Value:
•    Return on Equity:

Technical Analysis factors (discussed here at https://investmenttipstoday.blogspot.com/2018/04/technical-analysis-of-stocks-commodities.html)

 

•    Price Trends
•    Volume:
•    Simple Moving Average (SMA)
•    Weighted and Exponential Moving Averages
•    Resistance & Support

Support is the point level from where from the stock price cannot fall beyond that level whereas Resistance means from where the stock prices cannot move up further. Support level is the buying opportunity for the traders whereas the resistance level is selling opportunity for the traders.

Differences:

 

1.Fundamental analysis the current market price is one of the inputs but in technical analysis Prices and their movements are important

2.Fundamental analysis is mostly used by the long-term investors but the technical analysis is used by both long-term and short-term investors.

3.Fundamental analysis is not involved in market prediction but for technical analysis market prediction Is sole purpose

4.Fundamental analysis stock bought when the Market value of the stock is less than the intrinsic value of the shares but in technical analysis stock bought when the technical indicators show the buying signal.

It is absolutely your decision to choose between the fundamental analysis and technical analysis. But in my opinion smart investors always look for both combinations.  The first analysis the fundamental strength of the stock then if the fundamental strength is good then they move to technical analysis and take the final call whether to buy stock or not to buy stock or not.

Top Mutual Funds for SIP to Invest In 2018

For the last couple of years, the popularity of SIPs or Systematic Investment Plans has gone up. Still, many investors including those who have already invested in mutual funds are often confused about SIPs. If you are planning to invest a fixed amount regularly in a mutual fund schemes, typically an equity mutual fund scheme then the Systematic Investment Plans allow you to do that. If you don’t have any knowledge of the market or don’t have time to monitor the market regularly then you should always opt for Systematic Investment Plans. Because SIP puts an end to all the difficulties that investors may face. The money is automatically invested monthly in a scheme without any effort on your part. If you invest in Systematic Investment Plans regularly over a period irrespective of the market conditions, you would get more units when the market is low and fewer units when the market is high. This averages out the purchase cost of your mutual fund units.

ICICI Prudential Focused Bluechip Equity Fund

It is an open-ended equity plan which aims for growth of the capital.  The fund is mainly invested in equity and equity-related securities of large-cap companies to generate long-term capital appreciation and income distribution to investors from a portfolio. It is a top-rated equity mutual fund offered by one of India’s leading AMC, ICICI Prudential Mutual Fund. The performance of this fund has been nothing short of astronomical, which makes it one of the most popular equity mutual fund investments in India.


•    Scheme Type: Open ended scheme
•    Fund Manager:  Sankaran Naren / Rajat Chandak
•    Minimum Investment: Rs.100
•    Entry Load: NA
•    Exit Load: 1.00%
•    NAV as on 18th May 2018 = Rs. 39.62



Growth (Present) %

•    1 Month: - 1.39%
•    3 Months: - 2.54%
•    6 Months: - 3.3%
•    1 Year: - 11.07%
•    3 Years: - 11.14%
•    5 Years: - 17.08%

Aditya Birla Sun Life Banking & Financial Services Fund

The Primary objective of the Aditya Birla Sun Life Banking & Financial Services Fund is to generate long-term capital appreciation to unit holders from a portfolio that is invested mainly in equity and equity-related securities of companies involved in banking and financial services. This fund would invest in banks as well as insurance companies, broking companies, NBFC's, rating agencies, etc. This particular mutual fund scheme is suitable for those investors who are seeking Long-term capital growth and Investments in equity and equity-related securities of companies engaged in banking and financial services.


•    Scheme Type: Open ended scheme
•    Fund Manager:  Mr Satyabrata Mohanty & Mr Dhaval Gala
•    Minimum Investment: Rs.1000
•    Entry Load: NA
•    Exit Load: 1.00%
•    NAV as on 3rd July 2018 = Rs. 27.52 


Growth (Present) %

•    1 Month: - 1.92%
•    3 Months: - 2.72%
•    6 Months: - 0.9%
•    1 Year: - 8.60%
•    3 Years: - 16.79%

L&T Midcap Fund

The main aim of this mutual fund is to generate capital appreciation by investing primarily in mid-cap stocks. It is recommended for all the SIP investors to add this mutual fund in their portfolio to avail the maximum return. This fund would generally comprise of companies that have a market capitalisation ranging from Rs 300 to Rs 3000 crore.


•    Scheme Type: Open ended scheme
•    Fund Manager:  S. N. Lahiri / Vihang Naik
•    Minimum Investment: Rs.500
•    Entry Load: NA
•    Exit Load: 1.00%
•    NAV as on 5th July 2018 = Rs. 135.97


Growth (Present) %

•    1 Month: - 0.63%
•    3 Months: - 5.12%
•    6 Months: - 12.6%
•    1 Year: - 3.48%
•   3 Years: - 15.79%
•    5 Years: - 29.11

Franklin Asian Equity Fund Growth

Franklin Asian Equity Fund-Growth scheme’s main aims to accomplish capital appreciation through investment in Asian companies, excluding Japan, which have high growth potential. This fund gives investors an entrée to a portfolio of quality companies in the Asian region that are well placed to take advantage of the long-term growth potential. If you expect the economy to grow at 9% then you can assume top-performing mutual funds to give you returns in excess of 16%.


•    Scheme Type: Open ended scheme
•    Fund Manager:  Roshi Jain
•    Minimum Investment: Rs.500
•    Entry Load: NA
•    Exit Load: 1.00%
•    NAV as on 5th July 2018 = Rs. 21.7952


Growth (Present) %

•    1 Month: - 5.91%
•    3 Months: - 1.38%
•    6 Months: - 5.22%
•    1 Year: - 11.27%
•    3 Years: - 9.63%
•    5 Years: - 9.83

Mirae Asset Emerging Bluechip Growth

The main objective of the scheme is to make income and capital appreciation from a portfolio mainly investing in Indian equities and equity-related securities of large-cap and mid-cap companies at the time of investment. If you are looking for long-term investment then this fund will be the best option for you. Try to hold this fund for at least 5 years it will give you the highest return. This fund has higher volatility (ups and downs) than other equity funds but can produce much better returns.


•    Scheme Type: Open ended scheme
•    Fund Manager:  Neelesh Surana
•    Minimum Investment: Rs.1000
•    Entry Load: NA
•    Exit Load: 1.00%
•    NAV as on 5th July 2018 = Rs. 47.66

Growth (Present) %

•    1 Month: - 1.1%
•    3 Months: - 0.7%
•    6 Months: - 10.1%
•    1 Year: - 4.4%
•    3 Years: - 16.3%
•    5 Years: - 30.3


These are the best mutual funds for SIP you can invest in this year. You can also look my other blog https://investmenttipstoday.blogspot.com/2018/05/my-best-mutual-funds-2018.html for more mutual fund options.