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      "body": "<html>\n<p>Champagne is one luxurious drink, which not only looks sophisticated but can make you feel sophisticated as well. This drink has been associated with royalty since ages.</p>\n<p>Champagne is a very generic term used to describe sparkling wine. However, the usage of champagne is banned in several countries unless it is produced under the champagne rules or is produced in a champagne region.</p>\n<p>This sparkling bright alcoholic drink is produced in France, Europe, which is considered to be a champagne region. It follows all the rules required for the appellation and also the wine in the bottles undergoes secondary fermentation in order to create carbonation.</p>\n<p>The appellation laws allow only grapes grown in a specific region and under appellation laws in order to produce the best quality champagne.</p>\n<p>Champagne has marked its place in almost all special occasions and parties. And talking of special occasions how can we leave India behind? We Indians love to do everything with great pomp and show.And talking of champagne we are here to discuss some of the <a href=\"https://www.foodntravelstory.com/best-champagne-brands-in-india/\">best champagne brands in India.&nbsp;</a></p>\n<p>Every occasion is incomplete without the presence of this clear sparkling drink and in this article, we shall discuss the availability of the best champagne in India.</p>\n<h2><strong>Top 10 Best Champagne Brands Available In India</strong></h2>\n<p>In order to make it easier for you, we here have curated a list of <strong>top 10 champagne brands in India with price</strong>.</p>\n<h3><strong>#1 Dom Perignon Champagne</strong></h3>\n<p>Dom Perignon Champagne</p>\n<p>This is undoubtedly the best champagne brands not only in India but in the world. It stands as an undisputed winner both in terms of taste and aroma.It has been crafted by monk Dom Pierre Perignon, who has been attributable with the invention of champagne.&nbsp;</p>\n<p>it’s out there in two varieties- Pinot Noir and Chardonnay.It provides a splendidly vivid and wealthy sensory experience. It has a nose filling aroma along which magically arouse your taste buds as well.&nbsp;</p>\n<p>It is a perfect blend of flavours which includes smoke, saffron, spices, sweet yellow pepper, rainwater, and mustard seed. Terribly spectacular and vivacious this drink will instantly lift your mood.</p>\n<p>The start is creamy and dense, however, the ending is contemporary and precise topped off with a composed, sleek mousse. The majestic, earthy, Meursault-like flavours, is often gorgeous.This champagne price in India is approximately 17,000 INR.</p>\n<h3><strong>#2 Laurent Perrier Champagne</strong></h3>\n<p>Laurent Perrier Champagne</p>\n<p>This was first introduced by Monsieur Laurent back in 1812. It comes from the vineyards of Alan terrier and belongs to a similar family that conjointly presents merchandise like brut Zero dosage and L brut.This champagne is the perfect example of the fact that not all good things are expensive.</p>\n<p>&nbsp;It arouses your senses with its rich aroma which includes ripe red fruit and is loaded with nice freshness without breaking the bank.It is acknowledged for its premium quality and consistency.</p>\n<p>&nbsp;It is characterized by its rich aromas, a high-intensity taste, and a nice freshness. This champagne bottle price in India is approximately 4,000 INR.</p>\n<h3><strong>#3 Krug Champagne</strong></h3>\n<p>Krug Champagne</p>\n<p>This was founded in 1843 by Johan Joseph King. The inheritance has been carried on more by six generations of his family and therefore the champagne has become finer with time.</p>\n<p>This wine is still made in small oaks thereby keeping in mend Krug’s complex flavours and an intense bouquet. Indisputably the finest and the most magnificent non-vintage Cuvee, and this is often homogenised from ten totally different vintages and forty-seven wines from twenty-five villages and is then aged for about five to seven years.</p>\n<p>The flavour is dominated by the sweetness of honey and the crunchiness of nuts, with sleek acidity and an extended finish. This is available in India at a price point of approximately 6,000 INR.</p>\n<h3><strong>#4 Ayala Champagne</strong></h3>\n<p>Ayala Champagne</p>\n<p>The champagne originated in 1860 and comes from the fine vineyards of Ayala which is situated in the Montagne de Remis.</p>\n<p>&nbsp;There is no harm in spending a little more money in order to get the perfect amalgamation of 40% Chardonnay, 20% Pinot Meunier and 40%&nbsp; Pinot Noir.</p>\n<p>This fruity wine gets its taste from juicy apples, bright citrus, and green apples. It has a crisp taste due to a low dosage of sugar but it is not too dry and is going to go smoothly down your throat thereby enabling you to enjoy its mesmerizing taste.This gorgeous beverage is available at a price point of approximately 5,500 INR.</p>\n<h3><strong>#5 Louis Roederer Champagne</strong></h3>\n<p>Louis Roederer Champagne</p>\n<p>Roederer’s champagne is a universally classic blend concerning the concoction of&nbsp; 40% Pinot Noir with 20-25% and Chardonnay.In order to make this champagne one-third of the grape is purchased and two-third is availed from the estate vineyards.&nbsp;</p>\n<p>The Champagne stands tall as the best champagne within the non-vintage brut category.It includes the aroma of fresh core fruit, elegant smooth textures, Apple and citrus flavours, along with an energetic crispness is experienced within the end.&nbsp;</p>\n<p>This is one among the rarest champagne in the world which is so valuable.That conjointly makes it the most costly champagne within the world. It has been catering to the elite since 1886 and is regarded amongst the best of champagnes. The bottling emphasizes the appearance of white fruits along with the crisp acidity and a mineral texture.</p>\n<p>It has all the elements of wine and is therefore considered to be a complete beverage. This luxurious drink is priced at approximately 20,000 INR.</p>\n<h3><strong>#6 Besserat Champagne Cuvée Des Moines</strong></h3>\n<p>Besserat Champagne Cuvée Des Moines</p>\n<p>Besserat is the most illustrious champagne variety. Cuvée Des Moines, was named after the first Benedictine monks in their honour.</p>\n<p>The viniculture technique operated for this champagne uses a reduced indefinite-quantity, which reduces the pressure of the bottle up to about one atmosphere in order to ensure that the champagne is soft, creamy and full of small bubbles.This champagne encompasses a pure vivacious yellow colour and offers floral notes along with some citrus notes. It has a creamier texture and is considered a fine mousse.&nbsp;</p>\n<p>This status of this Cuvée is so high that only a lot of 7,000 bottles are released each time.This champagne includes bubbles that are half-hour finer than all other different champagne its category.&nbsp;</p>\n<p>Besserat Champagne is a world-famous champagne brand, that is way acclaimed for its delicate style and glossy texture.The champagne additionally boasts of a protracted-lasting aroma, that is attributed to the actual fact that it doesn’t get to endure malolactic fermentation.</p>\n<p>Tightly racy and knit this is offering mouth-watering sensation and harmonious blend, showing flavours of blackcurrant, smoke-dried almond, chalk, candied lemon peel, and honey.This is available in India at approximately 9,000 INR.</p>\n<h3><strong>#7 Dom Ruinart Champagne</strong></h3>\n<p>Dom Ruinart Champagne</p>\n<p>Dom Ruinart is the oldest visionary spirit of the champagne House. It is an extremely rare expression from the foremost rank of Chardonnay and is known to provide you with a charming experience.It is a real feast for the senses.&nbsp;</p>\n<p>Initially, the nose realizes the sweet, light notes of coconut, chestnut, and recent bread. However, the biscuity facet to this wine terribly quickly offers a way to the sweet aromas of citrus fruits and flowers.</p>\n<p>It also contains many minerals and iodized salt which provides the saline notes. Dom Ruinart Champagne is one amongst the oldest and most renowned champagne brands, that was originated in 1729.</p>\n<p>It reflects the style of the most effective grapes that are involved in its creating. The premier champagne is served at solely the fanciest and high-end restaurants around the world.</p>\n<p>The Dom Ruinart Champagne has been making folks happy since 1729. It appears to be a blend of beautiful golden colored sparkling wine along with a lot of bubbles proving to be at the top of expression.It is priced at approximately 5,000 INR.</p>\n<h3><strong>#8 Pol Roger Champagne&nbsp;</strong></h3>\n<p>Pol Roger Champagne</p>\n<p>This champagne is one among the favourites of Sir Winston Churchill and is subsequently known for its magnificence in flavour.The ageing of champagne is a massive art that has been formed in the cellar of this explicit sparkling beverage and this is often why it is well-known for its vintage assortment.</p>\n<p>Grapes from the vinery of Epernay which is located in France is used thereby hinting a small bitterness. This features an actually wide attractiveness and is ideal for lovers of exuberantly luxurious and branded champagnes.</p>\n<p>Fruity and feminine in the beginning, it gradually develops to a deeper flavour with age. The more luxurious wines are specially hand-picked to attain the requisite class, harmony, and balance. It’s excellent for the cellar and is still the current favourite for all those people who love to find an excuse to drink champagne.It is priced at approximately 3,500 INR.</p>\n<h3><strong>#9 Duval Leroy Champagne</strong></h3>\n<p>Duval Leroy Champagne</p>\n<p>This beverage originated in 1859 and has been ruling the market ever since. The smooth texture which is accompanied by the delicate acidity will be meddling with your taste buds when you taste this champagne creating one fall infatuated with the Duval Leroy champagne.</p>\n<p>The subtle flavour of honey, blueberry with the smokiness of almond is just an addition to that. This Champagne is special because it is made Chardonnay grapes which can be explicitly found solely within the sprawling vineyard which is located in Vertus.</p>\n<p>A fine and fresh knit version of this champagne meshes a sleek mousse with delicate acidity with a refined flavour together with hints of the cooked roll, spun honey, blackberry, lemon peel and preserved almond.A fine alcoholic beverage in terms of balance and weight, however in a very slightly richer vogue.&nbsp;</p>\n<p>It is priced at approximately 5,000 INR.</p>\n<h3><strong>#10 Taittinger Champagne</strong></h3>\n<p>Taittinger Champagne</p>\n<p>Launched in 1932 Taittinger Champagne was named after Pierre Taittinger who was the owner of the vineyard. The husky texture of Taittinger champagne is well appreciated everywhere around the globe.</p>\n<p>Taittinger Champagne has been ruling the hearts of champagne lovers around the world since it 1st hit the markets in 1932. It comes from the vineyards owned by Pierre Taittinger, a family illustrious for top quality wines like Comtes First State Champagne Rose and Comtes de Champagne.</p>\n<p>This Champagne may be a mix of some 40% Chardonnay and 60% Pinot grape Noir vineyards which are harvested for several years in order to get the finest taste. It is available approximately at the price point of 6,000 INR.</p>\n<h3><strong>Conclusion&nbsp;</strong></h3>\n<p>Champagne is an embodiment of luxury and royalty. And we here have curated a list of some of the <a href=\"https://www.foodntravelstory.com/best-champagne-brands-in-india/\"><strong>best champagne available in India</strong></a> which is going to arouse your taste buds for more. It is available at all different price points so no matter what your budget is you can all enjoy champagne on your special occasions.&nbsp;</p>\n<p>This post is <em>Originally published at</em> <a href=\"https://ispeaksforum.com/uan-universal-account-number/\"><em>https://ispeaksforum.com</em></a> <em>on June 30, 2019.</em>&nbsp;</p>\n</html>",
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      "body": "Hi,\nYou explained well and in detailed\n\nYou can also add more here about if one need to [change mobile number in EPF account](https://ispeaksforum.com/change-mobile-number-in-epfo-account/), then what would be processed for that.",
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      "body": "Nice post,\n\nhere i want to highlight one more point that in [Sukanya samriddhi yojana account](https://ispeaksforum.com/sukanya-samriddhi-yojana/) you get in this financial year 8.1% with EEE exempted benefit, meant you dont need to pay tax on intrest , maturity or payment as well, and you will always get extra .75 basic point than Givernment securities , in Fixed deposit or for as a safety concern Sukanaya samriddhi yojana is best investment , if you have girl child.",
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      "author": "ispeaksforum",
      "body": "Thanks Manish \nYou choice for  [https://ispeaksforum.com/](Best Mutual fund) is good",
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      "body": "Agree with you \n\nRegards,\nParitosh Sharma\nhttps://ispeaksforum.com/sukanya-samriddhi-yojana/",
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      "body": "Thanks, nice article",
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      "body": "The deduction available is the least of the following amounts:\na. Actual HRA received;\nb. 50% of [basic salary + DA] for those living in metro cities (40% for non-metros); or\nc. Actual rent paid less 10% of basic salary + DA\n\n**We can understand the HRA calculation better with the following example:**\nMr. Ram, employed in Mumbai, has taken up an accommodation on rent for which he pays a monthly rent of Rs 15,000 during the Financial Year (FY) 2017-18 i.e. Assessment Year(AY) 2018-19. He receives a Basic Salary of Rs 25,000 monthly along with DA of Rs. 2000, which forms a part of the salary. He also receives a HRA of Rs 1,00,000 from his employer during the year. Let us understand the HRA component that would be exempt from income tax during the FY 2017-18.\n![HRA calculation](https://cdn.steemitimages.com/DQmZ1HPRAo7r7cuXk9jeuZgMBjVzuEnz4xNt91qxgjgvUK7/image.png)\n\nTherefore, in the above example, the entire HRA received from the employer is exempt from income tax.\n\nRefer our Blog for other recommended Articles\n[ISPEAKSFORUM](https://ispeaksforum.com/)",
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      "body": "**Looking for best 5 small cap mutual funds to invest in 2018?**Well, Small Cap funds are the best wealth creation tools for financial planning goals, but only you need to keep one thing in mind that you have to be invested in small cap funds for 10-15 years. You can align your Financial planning goals with these funds like retirement planning, for child education etc. Small Cap funds invest in the young firm that has a potential to become a multi-bagger company in the future If the potential of these companies realized then it may fill your pocket with a big profit.\n\n>Small Cap funds come with promising returns if you hold it for say 10-15 years, but it comes with higher risk exposure too, as compared to midcap funds and large-cap funds. However, Small cap funds help to diversify the portfolio and investor should at least allocate 5-10 % of portfolio holdings in small cap funds.\n\n**L&T EMERGING BUSINESSES FUNDS**\n\nL& t emerging businesses funds is one of the top small cap funds that we can refer to our investors to invest for long term.\n\nWe have calculated the rolling returns of the fund and found a very interesting result that it had given more than 20% returns in every market phases, if you invest in any month, for the last 3 years tenure.\nComparison of rolling returns with midcap and small-cap fund category.\n![small cap funds 2018](https://ispeaksforum.com/wp-content/uploads/2018/04/lt-emerging-business-fund.png)\n\n* Fund having Beta 1.10, which defines the volatility with the comparison of its benchmark\n* Alpha of the fund 13.85% means we can expect that fund can give a return in excess than its benchmark.\n* In Direct option, we just need to pay 1.58% fee as fund management charges (expense ratio) to manage the fund\n\n![small cap funds 2018](https://ispeaksforum.com/wp-content/uploads/2018/04/trailing-returns-lt-emerging-businesses-fund.png)\n\n> Also Read Top 5  [Best Midcap Funds  2018](https://ispeaksforum.com/top-5-best-midcap-funds-to-invest-in-2018/)\n\n**HDFC SMALL CAP FUND**\n\nHdfc small cap fund has a track record of just over about 10 years. The year on year fund performance with the comparison of NIFTY FREE FLOAT SMALL CAP INDEX 100, It has beaten 6 times in last 10 years. In 2013 fund has beaten its benchmark by 15 % margin point. The performance was repeated in 2018 till date. Even though the market headed lower, HDFC Small Cap Fund was able to reduce the losses.\n\nNevertheless, over the long-term period of 3 years and 5 years, the scheme has generated acceptable alpha over the benchmark.\n\nIn terms of risk, HDFC Small Cap fund is among the fund with the lowest volatility. The standard deviation which measures the risk is much lower than the benchmark and its other peers in top performing funds.\n\nThus, HDFC small cap fund ranks high in risk-adjusted performance, even though it returns are on lower side.\n\nIf you would have invested 5 years ago 10,000 Rs. in HDFC Small Cap fund, then its value would have grown till now to 31,757 with the CAGR of 26%. The small-cap fund has outperformed its benchmark by a good margin.\n\nTo reduce risk, HDFC Small Cap fund maintains a well-diversified portfolio. While the portfolio focuses primarily on a buy and holds strategy at most times, it will balance the same with a rational approach to selling when the valuations become too demanding even in the face of reasonable growth prospects in the long-run.\n\nOver the past 12 months, a fund has increased its cash exposure to 15%, Given the high valuation in small and midcap space, fund management has reduced its exposure from Midcap and small cap and increased its allocation into cash. The weightage to small-caps has ranged between 40%-50% over the past 12 months. Large-caps account for a very small portion of the assets, hovering under 5%.\n\n![best small cap funds 2018](https://ispeaksforum.com/wp-content/uploads/2018/04/hdfc-small-cap-fund-trailing-returns.png)\n\n**Franklin India smaller companies fund**\n\nFund has held onto 4 star and 5-star rating since 2013, it has beaten its benchmark without the break-in last 9 years, it maintains the quality in term of growth-oriented, quality and sustainable companies in its portfolio.\n\nThe fund usually holds 30 to 40 percent of its portfolio in small-caps, 45 to 50 percent in mid-caps and 10 to15 percent in large-caps. The fund’s approach is wholly bottom up. It looks for companies which can compound their earnings at a high rate, with good returns on capital, low capital intensity and capable management. To handle size, it has a leeway to invest 25 percent of its corpus in large-caps.\n\nIf we would have invested 1,00,000 Rs in the same fund 10 years ago then it would have grown to 4,36,619 but in the same duration, its benchmark would have given you 2,41,586 only.\n\nSome key points for the fund\n\n* Beta of the fund which defines the volatility with its benchmark i.e. 0.86%\n* Fund has generated exceptional Alpha over the benchmark performance i.e. 9.28%\n* Sharpe ratio of the fund i.e. 0.96, it defines the excess return (over risk-free rate) per unit of risk.\n\n![best small cap funds 2018](https://ispeaksforum.com/wp-content/uploads/2018/04/franklin-india-smaller-companies-fund.png)\n\n**Reliance Small Cap Fund** \n\nThe fund has beaten its benchmark over six years since inception. It is true to its label of small cap fund featuring 60-70 % allocation in small cap stocks and 30%-35% in midcap with a very small portion in large cap.\n\nThe fund adheres to a simple philosophy of finding good businesses at a good price.\n\nThis is one of the rare funds in the equity space which have beaten their benchmark as well as a category overall time frames: one year, three years, five years or even seven years. Over three and five years, the fund has been ahead of its benchmark by 6 to 13 percentage points. Compared to the category, it has managed 3 to 5 percentage point outperformance. In the last one year, it has even widened its outperformance of the category to 7 percentage points.\n\n![best small cap funds to invest in 2018](https://ispeaksforum.com/wp-content/uploads/2018/04/reliance-small-cap-fund.png)\n\n**SBI Small and Midcap fund** (SBI Small cap fund)\n\nIf you started monthly Sip of Rs. 5000 in SBI Small and Midcap fund 5 years back, your investment value would have been over Rs. 872163 in Jan 2018. On a cumulative investment of 3,00,000, you would have made a profit of Rs. 572163. \nThe 5 years return of sip in this fund was over 37% in last 5 years. While 37% return in last 5 years is an extraordinary performance by the standard, what makes the fund more admirable is the fact that in the last 5 years equity was quite volatile despite this it could generate that much return on its portfolio.\n\n* The SBI Small and Midcap Fund has always been among the top 3 small and midcap equity mutual funds in terms of SIP returns in the last 3 to 5 years.\n* This fund has beaten its benchmark five out of the seven years since its launch. A substantial boost to performance in the last one year has earned it a five-star rating within the small-cap category.\n* The fund’s stock picks in the small-cap space in the past couple of years have been behind the strong performance. The fund is among the few in this space to remain at an easy to manage size at Rs 908 crore as on January 2018\n* The fund portfolio has a small cap bias and the investment style of the fund manager is growth oriented. The fund portfolio is overweight on cyclical sectors like Chemicals, Auto Ancillaries, Industrial Products, Media and Entertainment and Consumer Durables.\n![Best small cap mutual funds](https://ispeaksforum.com/wp-content/uploads/2018/04/sbi-small-and-midcap-fund.png)\n\n> As we have discussed above best 5 small cap mutual funds to invest in 2018, which has delivered strong performance over the last 6-7 years, Investors need to have a long-term investment horizon if you are looking exceptional growth on your investment. investors need to be prepared for volatility as well with these funds, but you can take the advantage of volatility through rupee cost averaging by investing through SIP.\n\n**Recommended Articles**\n\n[How to save money while online shopping in India](https://ispeaksforum.com/how-to-save-money-while-online-shopping-in-india/)\n\n[5 things everyone should know before investing in Mutual funds](https://ispeaksforum.com/5-things-everyone-should-know-before-investing-in-mutual-funds/)\n\nFollow us On Our Blog [ISPEAKSFORUM](https://ispeaksforum.com/)",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://ispeaksforum.com/best-5-small-cap-mutual-funds-to-invest-in-2018/",
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      "body": "**Looking for best 5 small cap mutual funds to invest in 2018?**Well, Small Cap funds are the best wealth creation tools for financial planning goals, but only you need to keep one thing in mind that you have to be invested in small cap funds for 10-15 years. You can align your Financial planning goals with these funds like retirement planning, for child education etc. Small Cap funds invest in the young firm that has a potential to become a multi-bagger company in the future If the potential of these companies realized then it may fill your pocket with a big profit.\n\n>Small Cap funds come with promising returns if you hold it for say 10-15 years, but it comes with higher risk exposure too, as compared to midcap funds and large-cap funds. However, Small cap funds help to diversify the portfolio and investor should at least allocate 5-10 % of portfolio holdings in small cap funds.\n\n**L&T EMERGING BUSINESSES FUNDS**\n\nL& t emerging businesses funds is one of the top small cap funds that we can refer to our investors to invest for long term.\n\nWe have calculated the rolling returns of the fund and found a very interesting result that it had given more than 20% returns in every market phases, if you invest in any month, for the last 3 years tenure.\nComparison of rolling returns with midcap and small-cap fund category.\n![small cap funds 2018](https://ispeaksforum.com/wp-content/uploads/2018/04/lt-emerging-business-fund.png)\n\n* Fund having Beta 1.10, which defines the volatility with the comparison of its benchmark\n* Alpha of the fund 13.85% means we can expect that fund can give a return in excess than its benchmark.\n* In Direct option, we just need to pay 1.58% fee as fund management charges (expense ratio) to manage the fund\n\n![small cap funds 2018](https://ispeaksforum.com/wp-content/uploads/2018/04/trailing-returns-lt-emerging-businesses-fund.png)\n\n> Also Read Top 5  [Best Midcap Funds  2018](https://ispeaksforum.com/top-5-best-midcap-funds-to-invest-in-2018/)\n\n**HDFC SMALL CAP FUND**\n\nHdfc small cap fund has a track record of just over about 10 years. The year on year fund performance with the comparison of NIFTY FREE FLOAT SMALL CAP INDEX 100, It has beaten 6 times in last 10 years. In 2013 fund has beaten its benchmark by 15 % margin point. The performance was repeated in 2018 till date. Even though the market headed lower, HDFC Small Cap Fund was able to reduce the losses.\n\nNevertheless, over the long-term period of 3 years and 5 years, the scheme has generated acceptable alpha over the benchmark.\n\nIn terms of risk, HDFC Small Cap fund is among the fund with the lowest volatility. The standard deviation which measures the risk is much lower than the benchmark and its other peers in top performing funds.\n\nThus, HDFC small cap fund ranks high in risk-adjusted performance, even though it returns are on lower side.\n\nIf you would have invested 5 years ago 10,000 Rs. in HDFC Small Cap fund, then its value would have grown till now to 31,757 with the CAGR of 26%. The small-cap fund has outperformed its benchmark by a good margin.\n\nTo reduce risk, HDFC Small Cap fund maintains a well-diversified portfolio. While the portfolio focuses primarily on a buy and holds strategy at most times, it will balance the same with a rational approach to selling when the valuations become too demanding even in the face of reasonable growth prospects in the long-run.\n\nOver the past 12 months, a fund has increased its cash exposure to 15%, Given the high valuation in small and midcap space, fund management has reduced its exposure from Midcap and small cap and increased its allocation into cash. The weightage to small-caps has ranged between 40%-50% over the past 12 months. Large-caps account for a very small portion of the assets, hovering under 5%.\n\n![best small cap funds 2018](https://ispeaksforum.com/wp-content/uploads/2018/04/hdfc-small-cap-fund-trailing-returns.png)\n\n**Franklin India smaller companies fund**\n\nFund has held onto 4 star and 5-star rating since 2013, it has beaten its benchmark without the break-in last 9 years, it maintains the quality in term of growth-oriented, quality and sustainable companies in its portfolio.\n\nThe fund usually holds 30 to 40 percent of its portfolio in small-caps, 45 to 50 percent in mid-caps and 10 to15 percent in large-caps. The fund’s approach is wholly bottom up. It looks for companies which can compound their earnings at a high rate, with good returns on capital, low capital intensity and capable management. To handle size, it has a leeway to invest 25 percent of its corpus in large-caps.\n\nIf we would have invested 1,00,000 Rs in the same fund 10 years ago then it would have grown to 4,36,619 but in the same duration, its benchmark would have given you 2,41,586 only.\n\nSome key points for the fund\n\n* Beta of the fund which defines the volatility with its benchmark i.e. 0.86%\n* Fund has generated exceptional Alpha over the benchmark performance i.e. 9.28%\n* Sharpe ratio of the fund i.e. 0.96, it defines the excess return (over risk-free rate) per unit of risk.\n\n![best small cap funds 2018](https://ispeaksforum.com/wp-content/uploads/2018/04/franklin-india-smaller-companies-fund.png)\n\n**Reliance Small Cap Fund** \n\nThe fund has beaten its benchmark over six years since inception. It is true to its label of small cap fund featuring 60-70 % allocation in small cap stocks and 30%-35% in midcap with a very small portion in large cap.\n\nThe fund adheres to a simple philosophy of finding good businesses at a good price.\n\nThis is one of the rare funds in the equity space which have beaten their benchmark as well as a category overall time frames: one year, three years, five years or even seven years. Over three and five years, the fund has been ahead of its benchmark by 6 to 13 percentage points. Compared to the category, it has managed 3 to 5 percentage point outperformance. In the last one year, it has even widened its outperformance of the category to 7 percentage points.\n\n![best small cap funds to invest in 2018](https://ispeaksforum.com/wp-content/uploads/2018/04/reliance-small-cap-fund.png)\n\n**SBI Small and Midcap fund** (SBI Small cap fund)\n\nIf you started monthly Sip of Rs. 5000 in SBI Small and Midcap fund 5 years back, your investment value would have been over Rs. 872163 in Jan 2018. On a cumulative investment of 3,00,000, you would have made a profit of Rs. 572163. \nThe 5 years return of sip in this fund was over 37% in last 5 years. While 37% return in last 5 years is an extraordinary performance by the standard, what makes the fund more admirable is the fact that in the last 5 years equity was quite volatile despite this it could generate that much return on its portfolio.\n\n* The SBI Small and Midcap Fund has always been among the top 3 small and midcap equity mutual funds in terms of SIP returns in the last 3 to 5 years.\n* This fund has beaten its benchmark five out of the seven years since its launch. A substantial boost to performance in the last one year has earned it a five-star rating within the small-cap category.\n* The fund’s stock picks in the small-cap space in the past couple of years have been behind the strong performance. The fund is among the few in this space to remain at an easy to manage size at Rs 908 crore as on January 2018\n* The fund portfolio has a small cap bias and the investment style of the fund manager is growth oriented. The fund portfolio is overweight on cyclical sectors like Chemicals, Auto Ancillaries, Industrial Products, Media and Entertainment and Consumer Durables.\n![Best small cap mutual funds](https://ispeaksforum.com/wp-content/uploads/2018/04/sbi-small-and-midcap-fund.png)\n\n> As we have discussed above best 5 small cap mutual funds to invest in 2018, which has delivered strong performance over the last 6-7 years, Investors need to have a long-term investment horizon if you are looking exceptional growth on your investment. investors need to be prepared for volatility as well with these funds, but you can take the advantage of volatility through rupee cost averaging by investing through SIP.\n\n**Recommended Articles**\n\n[How to save money while online shopping in India](https://ispeaksforum.com/how-to-save-money-while-online-shopping-in-india/)\n\n[5 things everyone should know before investing in Mutual funds](https://ispeaksforum.com/5-things-everyone-should-know-before-investing-in-mutual-funds/)\n\nFollow us On Our Blog [ISPEAKSFORUM](https://ispeaksforum.com/)",
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      "body": "# How Can You Start Saving Money …\nThere are Countless reasons might be, not to Save money at our 20’s or 30’s. Lifestyle upgrades, living in the moment and crippling debt are just some of them. The truth is that a lot of us know the fact that saving is essential for survival, but only a few people put their money where their mouth is.\n\n> *“Many folks think they aren’t good at earning money, when what they don’t know is how to use it.” —Frank A. Clark*\n\nIf you are a novice at the art of saving money, here are some methods you might want to try to start saving Money.\n\n\n\n**Record Your Expenses**\nKeep a tight budget is a must for everyone looking to save money, but if you do not track the expenses, you may find that it’s difficult to stick to your goals. Keeping a monthly Notebook to pen down all the daily expenses can help you identify the problem areas and adjust your spending habits to fit your budget.\n\nOne tip is to focus in on your Discretionary expenses (Restaurant, coffee, clothes, fitness club, etc.) and see if there are ways to cut down some expenses. For instance, instead of eating out for a lunch every day at work at 10$ a meal, it may make more sense to bring our lunch from home and enjoy a meal out with friends for 30$ on Friday nights.\n\nIt can be handy to keep a small notebook with you all the times. Get in the habit of recording all the expenses, track it every penny spent which could be avoided in that month.\nNote that, today, there are many apps you can download to your phone that can help you keep track of your expenses (some of which are free), I personally use ETMONEY APP, that helps to track my personal expenses and notify me every dime which I spent from my debit card or bank account.\nYou may be shocked how much money you spend on purchases that are far from essential.\n\n**Decide on your Priorities to Save Money**\nAfter your expenses and Income, decide your priorities and divide it in short-term or long-term goals. Your goals are likely to have the bigger impact on how you Save Money. It’s important that planning for Retirement does not back seat to short-term needs.\n\nPrioritizing the goals can give your clear indication how and when to start Saving. For example, if you are going to purchase a Car in future, you could start putting Money away for one.\n\n**Start saving as early as possible**\nInvesting, as with anything in life benefits from an early start. The earlier you begin planning to invest, it will always be better to have potential returns on your investment. By taking advantage of your youth, you can get a head start for your Future. Here are the reasons to start sooner than later.\n\nTypically, when it comes to investing, ventures that are more volatile yields the highest return on investment. Investors, who have the time to recover if something were to wrong, have the opportunity to make a riskier move on their money.\nCompound interest really makes a difference, Savvy investors understand the benefits of investing early and taking advantage of the potential gains from compound interest, which you may earn on your money if you start early to save.\nInvesting early allows developing disciplined habits by focusing on your budget and cutting expenses when it is needed. The main objective here is to earn money by saving money.\n\n**10% Saving Formula from your Salary**\nEveryone always wants to know the magic number to save. Is it a Fixed Amount? Or Is it a percentage of your income?\n\nThe answer! That depends\n\nThere is not one magic number for everyone. Everyone situation is different. Everyone comfort level is different. Some people feel less money in the bank to feel comfortable and some people want to have a big amount of money in their bank account. Take a minute and figure out your number to save, you are comfortable with.\n\nIf you have a debt on your shoulder then surely you would not be able to save more, your main priority would be to cut down your debt first. If you are earning less than you might not be able to save more until you start making more.\n\nWhat I thought, you should start at least 10% of your income and increases it up to 25% as your pay increases.\n\n[According to Go banking rates survey more than half of Americans have less than 1000$ in savings in 2017](https://www.gobankingrates.com/saving-money/savings-advice/half-americans-less-savings-2017/)\n\nIs it surprising?  Not particularly as if, we see the trending pattern of spends these days, and wants that became the necessity now.\n\n However, it is not a good sign for the future and not a good habit to be teaching to future generations.\n\n**So, what can you do?** Here’s one the best way to handle, as it is beautifully illustrated by **Mr. Spencer Powell** How Much of My Paycheck Should I Save?\nLet’s say you are earning 40,000$, so try to save 10% of that 4000$ and as your income raises increase your saving as well like you got a raise for 5000$ to 45000$ then save 2500$ and rest raised the amount to add it into yours spends like eating out , movies, or shopping.\n\nNow you are saving 4000$+2500$=6500$, that is 14% of your income\n\nAnother raise to 50,000$? Save 2500$ more. Now you are saving 18% of your income. This method allows you to increase your savings and spends for lifestyle using the balanced approach. It allows you to take advantage of raises on both the sides of the coin: Savings and Spending.\n\n ALSO READ  [HOW WE CAN SAVE MORE MONEY WHILE ONLINE SHOPPING](\nhttps://ispeaksforum.com/how-to-save-money-while-online-shopping-in-india/)\n\n**Consolidate Your Debt and Save money**\n\nIf you are in a Negative zone on credit side, repaying the money you owe as quickly as possible can save you big. The longer you carry a balance of your credit card and loan amount, the more interest you’ll rack up on your debt. One way of speeding up the process of repayment is Debt consolidation. Consolidating the balances of your credit cards and loans into single amount can help you to obtain a lower interest rate, which will help you to save money over time. It will simplify your debt repayment, making it easier to get a handle on what you owe.\n\nWe outline some strategies that can help you to manage the debt situations without stressing your Wallet or could help you to Start Saving from your Own Debt\n\n* First step is to prioritize the repayment of your loans. Make the list of all the outstanding loans & Credit cards and start with the repayment of high interest or Costliest loans. First, tackle the loan which is making a hole in your pocket. Pay the maximum amount that you can pay against the costliest loan without jeopardizing the repayment of other loans. Once you have cleared the costliest loan then move into next one.\n\n* One simple way to repay your loan faster to bump up the Loan EMI as your Income increases, if your income rises to let’s say 8% then you can easily increase your EMI by 5%. Don’t underestimate the impact of the modest increase. It may reduce the tenure of repayment and could save your money as interest from Debt.\n\n* Received a Fat Bonus? Do not splurge on New smartphone or New plasma TV. Use the money to repayment of your debt aggressively. If you are receiving a big amount of money from maturity proceeds from Policy, Mutual Funds, Income tax refunds, should be used to pay your debt like credit card outstanding amount or personal Loans First. If you are likely to incur a penalty, compare the cost with the interest saved if you prepay the loan.\n\nALSO READ [THINGS TO KNOW BEFORE TAKING PERSONAL LOANS](https://ispeaksforum.com/things-know-taking-personal-loans/)\n\n**Make Saving Automatic**\n\nAll the banks offer Automated transfer between your Saving account and Fixed deposit, you can choose when, how much transfer money to. Automated transfer or Sweep In option is a great way to save money since you don’t have to think about it and it generally reduces the temptation to spend the money instead.\n\n \n\nHere I have outlined the Basic Methods to start saving money, which I religiously follow. However, if I shop around and go for online shopping, I prefer first to research on How can I  save some money in that product? discount coupons! cashback websites! Negotiation with a shopkeeper, always carry a list of items which I intend to purchase …. blah! blah blah! that helped me to save some pennies on my Final bills.\n\nAnd always keep this one thing in your Mind.\n\n” Save Money and Money will Save You “\n\n**Recommended Articles** \n\n[5 THINGS EVERYONE SHOULD KNOW BEFORE INVESTING IN MUTUAL FUNDS](https://ispeaksforum.com/5-things-everyone-should-know-before-investing-in-mutual-funds/)\n\n[BEST LARGE CAP MUTUAL FUNDS TO INVEST IN 2018](https://ispeaksforum.com/best-large-cap-mutual-funds-to-invest-in-2018/)\n\n[TOP 5 BEST ELSS TAX SAVING MUTUAL FUNDS TO INVEST IN 2018](https://ispeaksforum.com/best-elss-tax-saving-mutual-funds-invest-2018/)",
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      "body": "**Which are those 5 best Midcap funds to invest in 2018?** Large cap or Midcap funds? which funds are ideal to invest currently, this question often comes across most of the investor. If you are long term investor in midcap segment, then definitely you would have seen good growth in your portfolio. In the Midcap Category, all of the fund has given good returns if you would have invested in these funds 10 years ago.\nWe do not recommend the midcap schemes to new investors. We believe that the new investors are likely to be frightened by the volatility in the midcap space and they find it tough to hold their investments for the long haul.\n\nMidcap Funds invest in mid-sized companies that have the potential to become large companies or leaders in their own fields. However, their journey to success is not a smooth ride. Any negative or unfavored news might have a major effect on your Midcap schemes and can erode your capital too.\n\nBut if it survives the impact and realizes their potential, then it may give you handsome returns as well on your holdings. This is a basic principle of investing in midcap schemes.\n\nSimply put, Midcap funds are risky and can be extremely volatile as the market takes a sharp turn. But at the time of the bullish market, it has the potential to give you extra returns to compensate for the higher risk you are taking.\n\n**So, the big question now, how to choose 5 best midcap funds to invest in 2018.**\nFirst, you should invest in midcap funds only if you have an investment horizon of at least 7-10 years.\nYou should not lose the nerve and stay invested if the market is not in your favor at any particular period or market phase. Always keep one principle in your mind before investing, that midcap fund in short period of time can destroy your capital but that time requires to keep your nerve down and stay invested\n\n\n> [ALSO READ BEST LARGE CAP MUTUAL FUNDS TO INVEST IN 2018](https://ispeaksforum.com/best-large-cap-mutual-funds-to-invest-in-2018/)\n\nAlways need to consider some basic methodology to select the best midcap funds to invest\nFirst, I would prefer these tools before selecting best midcap funds to invest in 2018\n\n## Rolling Returns\nTechnically speaking, rolling returns are the average annualized returns taken for a specified period on every day/week/month and taken till the last day of the duration. For example, if you want to look at returns of an equity mutual fund in the last one year, instead of just looking at returns from say 31 January 2017 to 31 January 2018 you can look at one year returns on every day of the last year. Rolling returns is the best measure of a fund’s performance. Trailing returns have a recency bias and point to point returns are specific to the period in consideration. Rolling returns, on the other hand, measures the fund’s absolute and relative performance across all timescales, without bias.\n\n## Mutual Fund Expense ratio\n‘Mutual Fund Expense ratio’ is nothing but the recurring cost per unit- incurred to operate a scheme – and is charged to your assets. Such mutual fund expense ratio is calculated periodically but is charged daily on the NAV. Mutual Fund Expense ratio helps you to know how much you pay a fund every year to manage your investment. In case you have invested Rs1,00,000 in an MF, whose mutual fund expense ratio is 1.8%, you are paying Rs1,800 every year to manage your investment. That is, if MF is earning, say, 15%, your return would be 13.2%. The NAV’s are declared net of expenses. It is therefore important for you to know what the expense ratio of a mutual fund is. A higher mutual fund expense ratio will mean lower return for you and vice versa\n\n## Alpha and Beta of the fund\nAlpha is used in the Mutual fund as a measure of performance. Alpha, often considered the active return on an investment, gauges the performance of an investment against a market index or benchmark which is considered to represent the market’s movement as a whole. The excess return on an investment relative to the return of a benchmark index is the investment’s alpha.\n\nBeta is a measure of the sensitivity of a fund to its index. It shows the relation between the funds returns and that of its index. A beta of 1.2 means that the fund tends to rise and drop 20 percent more than the index does.\n\nAlpha tells you whether that fund has produced returns justifying the risks it is taking by comparing its actual return to the one ‘predicted’ by the beta. Say, a fund can be expected to earn—based on its beta—a return of 12 percent in a given year. However, it actually fetches you 17 percent. Then the alpha of the fund is simply 17 – 12 = 5, that is, 5.\n\nAs per the above-mentioned methodology, we have shortlisted 5 best midcap funds to invest in 2018, where we can take exposure in our holdings to upgrade the returns over a long period of tenure.\n\n![Best Midcap Funds 2018](https://ispeaksforum.com/wp-content/uploads/2018/03/Capture-1024x238.png)\n\n> if you have liked the content then please upvote the post\n\nRefer our other Recommended posts or articles on [ISPEAKSFORUM](https://ispeaksforum.com/)",
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      "body": "**Which are those 5 best Midcap funds to invest in 2018?** Large cap or Midcap funds? which funds are ideal to invest currently, this question often comes across most of the investor. If you are long term investor in midcap segment, then definitely you would have seen good growth in your portfolio. In the Midcap Category, all of the fund has given good returns if you would have invested in these funds 10 years ago.\nWe do not recommend the midcap schemes to new investors. We believe that the new investors are likely to be frightened by the volatility in the midcap space and they find it tough to hold their investments for the long haul.\n\nMidcap Funds invest in mid-sized companies that have the potential to become large companies or leaders in their own fields. However, their journey to success is not a smooth ride. Any negative or unfavored news might have a major effect on your Midcap schemes and can erode your capital too.\n\nBut if it survives the impact and realizes their potential, then it may give you handsome returns as well on your holdings. This is a basic principle of investing in midcap schemes.\n\nSimply put, Midcap funds are risky and can be extremely volatile as the market takes a sharp turn. But at the time of the bullish market, it has the potential to give you extra returns to compensate for the higher risk you are taking.\n\n**So, the big question now, how to choose 5 best midcap funds to invest in 2018.**\nFirst, you should invest in midcap funds only if you have an investment horizon of at least 7-10 years.\nYou should not lose the nerve and stay invested if the market is not in your favor at any particular period or market phase. Always keep one principle in your mind before investing, that midcap fund in short period of time can destroy your capital but that time requires to keep your nerve down and stay invested\n\n\n> [ALSO READ BEST LARGE CAP MUTUAL FUNDS TO INVEST IN 2018](https://ispeaksforum.com/best-large-cap-mutual-funds-to-invest-in-2018/)\n\nAlways need to consider some basic methodology to select the best midcap funds to invest\nFirst, I would prefer these tools before selecting best midcap funds to invest in 2018\n\n## Rolling Returns\nTechnically speaking, rolling returns are the average annualized returns taken for a specified period on every day/week/month and taken till the last day of the duration. For example, if you want to look at returns of an equity mutual fund in the last one year, instead of just looking at returns from say 31 January 2017 to 31 January 2018 you can look at one year returns on every day of the last year. Rolling returns is the best measure of a fund’s performance. Trailing returns have a recency bias and point to point returns are specific to the period in consideration. Rolling returns, on the other hand, measures the fund’s absolute and relative performance across all timescales, without bias.\n\n## Mutual Fund Expense ratio\n‘Mutual Fund Expense ratio’ is nothing but the recurring cost per unit- incurred to operate a scheme – and is charged to your assets. Such mutual fund expense ratio is calculated periodically but is charged daily on the NAV. Mutual Fund Expense ratio helps you to know how much you pay a fund every year to manage your investment. In case you have invested Rs1,00,000 in an MF, whose mutual fund expense ratio is 1.8%, you are paying Rs1,800 every year to manage your investment. That is, if MF is earning, say, 15%, your return would be 13.2%. The NAV’s are declared net of expenses. It is therefore important for you to know what the expense ratio of a mutual fund is. A higher mutual fund expense ratio will mean lower return for you and vice versa\n\n## Alpha and Beta of the fund\nAlpha is used in the Mutual fund as a measure of performance. Alpha, often considered the active return on an investment, gauges the performance of an investment against a market index or benchmark which is considered to represent the market’s movement as a whole. The excess return on an investment relative to the return of a benchmark index is the investment’s alpha.\n\nBeta is a measure of the sensitivity of a fund to its index. It shows the relation between the funds returns and that of its index. A beta of 1.2 means that the fund tends to rise and drop 20 percent more than the index does.\n\nAlpha tells you whether that fund has produced returns justifying the risks it is taking by comparing its actual return to the one ‘predicted’ by the beta. Say, a fund can be expected to earn—based on its beta—a return of 12 percent in a given year. However, it actually fetches you 17 percent. Then the alpha of the fund is simply 17 – 12 = 5, that is, 5.\n\nAs per the above-mentioned methodology, we have shortlisted 5 best midcap funds to invest in 2018, where we can take exposure in our holdings to upgrade the returns over a long period of tenure.\n\n![Best Midcap Funds 2018](https://ispeaksforum.com/wp-content/uploads/2018/03/Capture-1024x238.png)\n\n> if you have liked the content then please upvote the post\n\nRefer our other Recommended posts or articles on [ISPEAKSFORUM](https://ispeaksforum.com/)",
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      "body": "**What are the Top Up Health Insurance plans and their benefits?** Top up health insurance plans provide the higher insurance coverage with lower marginal cost.  They can enhance your existing health insurance coverage with affordable premiums.\n\nMany of us ignore buying health insurance (Mediclaim), we think if we are getting Mediclaim cover from the employer then why should I go with health insurance policy?\n\nI wanted to ask all of them, are we getting sufficient health insurance coverage for the family in employer health insurance (Group Mediclaim) policy.\n\nImagine if your hospital bill comes more than your sum assured limit, then you have to pay the extra amount from your own pocket, which can disturb your financial savings or the deposited amount that you are probably accumulating for the study of your child.\n\nYou may take comfort by believing that being in the organized sector your medical needs will be taken care of by the employers but have you ever wondered what will be the scenario if the coverage offered is not able to meet all your medical costs? Your present cover may be sufficient to pay for small illnesses, but there is always a chance it would fall short in case of a bigger medical emergency. And not to forget that the employer’s health cover ceases to exist once you leave or retire.\n\nIn my experience, the average medical cover opted (Personal health insurance) or provided by an employer (Group Mediclaim) is generally in the range of Rs 3 Lakh to Rs 5 Lakh\n\nBut, we are also aware premiums for the medical insurance increasing every year. For some of us, it is not possible or afford to pay higher premiums for higher sum assured, or it is also not practicable to buy a new Health insurance policy to enhance the health insurance coverage.\n\nSo, what are the options available to enhance the Health insurance coverage without paying huge premiums?\n\n>We can opt in for Top up health insurance plans and super top-up health insurance policy for this need\n\n# What Is Top Up Health Insurance Plans\n\nTop up plans work on the cost-sharing basis where medical expenses up to deductible limit have to be borne by the policyholder. The insurance company takes a charge if your medical bill crosses the deductible limit then that expenses will be covered by your top-up health insurance plans.\n\nFor example: Let’s say you have Group Mediclaim or personal health insurance policy for Rs 5 lakh, and you would have opted for Top Up Health Insurance Plans for 10 Lakh with threshold limit (deductible) of Rs 5 lakh.\n\nIf there is a claim for Rs 7 Lakh in the same year, then from your Group Mediclaim or personal health insurance policy you can pay up to 5 Lakh Rs, but remaining 2 Lakh will be covered by Top Up Health Insurance policy.\n\nSo, Top Up Health Insurance policy will play an important role when your existing policy sum assured Exhausted, Remaining Medical bills can be settled by Top Up Health Insurance Policy. Otherwise, those Medical Bills can have a Big impact on your Financial Savings Which you might be saving For Other Specific Goals.\n\n ![top up health insurance plans](https://ispeaksforum.com/wp-content/uploads/2018/03/top-up-health-insurance-plans.png)\n\nBoth  TOP UP HEALTH INSURANCE Plans and SUPER TOP UP HEALTH INSURANCE  Plans are used to maintain to enhance the Health coverage for your existing insurance policy with low premiums\n\nThere is a very BIG difference in these two and the difference is pretty crucial, so it is best to understand how they work.\n\n## How Top Up Health Insurance Plans Works?\nWe will try to explain the different scenarios for Mediclaim so that you could get clear idea how Top Up Health Insurance Works. \n\n*For Example*\n\nLet’s say Mr. Gopal has a 5 lakh Mediclaim policy (Group Mediclaim or private health insurance) with 10 lakh Top Up Health Insurance Policy with a threshold limit of 5 lakh (deductible)\n\n *Situation 1* : – If there is a single claim of 4 lakh in the policy year, that amount will be paid by your regular policy\n *Situation 2* : – If there is a single claim of 6 Lakh in the policy year, that amount will be paid by your regular policy up to 5 Lakh and will be exhausted, remaining amount 1 Lakh will be compensated by Top Up Health Insurance Policy.\n *Situation 3*: – If there is a claim in a policy year of Rs 10 Lakh then 5 Lakh will be paid by your regular health insurance policy (or Group Mediclaim) and the Remaining amount will be compensated by Top Up Health Insurance Policy.\n *Situation 4* : – If there is a two claim in same Policy Year (claim1) one with the claim amount of Rs 5 Lakh and another claim (claim 2) with the amount of Rs 4 Lakh. So, first Claim can be compensated by your Regular Health Insurance Policy and policy for the year exhausted, but for 2nd claim neither it will be compensated by your regular Policy because that is already exhausted with the first claim nor it will be compensated by Top Up Health Insurance Policy because your Threshold limit, that is 5 Lakh for single claim in policy year, so as per the policy Term and condition that amount you will have to bear if any claim amount not cross the threshold limit.\n\n## What is a Super Top-up Health Insurance Plan?\n\nA Top-up insurance policy has certain drawbacks when it comes to its implementation, which can be resolved by opting for a Super Top-Up policy. Unlike a Top-up plan which pays only if the threshold limit on a regular policy is exceeded on a single hospitalization, a Super Top-up provides cover over the threshold limit in multiple cases.\n\nLet us take the example Of Mr. Gopal, he has a Mediclaim policy for Rs 5 Lakh and Super Top Up Health Insurance for Sum assured of Rs 10 lakh with a threshold limit of 5 lakh.\n\nUnfortunately for Mr. Gopal, he is hospitalized due to a heart attack, the treatment for which goes up to Rs 8 lakh, up to 5 Lakh can be paid by Regular Health Insurance Policy and Remaining 3 Lakh would be paid by Super Top Up Health Insurance Policy.\n\nPost-treatment for his heart attack he suffers another one after 6 months, with the bill coming up to Rs 7 Lakh, (if he would have opted to Top Up health insurance – which comes outside the ambit of his top-up plan since only one claim can be entertained under its provisions). Now, if Mr. Gopal had opted for a Super Top-up plan with a cover of Rs 10 lakh and a threshold of Rs 5 lakh, this plan would pay the additional sum of 2 lakh.\n\nIn simple terms, a Super Top-up Health Insurance policy has provisions for multiple claims, which are not offered by a regular top-up plan.\n\nSo, in Situation 4, where Gopal had 2 claims in the same policy year one with the amount of Rs 5 lakh and another claim with the amount of 4 lakh. So, the first claim can be compensated by his Personal Mediclaim policy or (Group Mediclaim) and another claim which was of Rs 4 lakh would also be paid by Super Top Up Health Insurance Policy.\n\n(While 2nd claim cannot be entertained with Top Up health insurance Policy as we had discussed above)\n\n## Popular Top-up and Super Top-up Health Insurance Policies in India:\nSome of the popular top-up and super top-up health insurance policies in India are mentioned below.\n\n**Bajaj Allianz Extra Care**– This policy offers cover ranging from Rs 10 lakh to Rs 15 lakh with deductibles ranging between Rs 3 lakh and 5 lakhs. Working on a per claim basis, it comes with a family floater option.\n**ICICI Lombard Healthcare Plus**– This policy offers flexible sum assured and deductibles to suit the financial requirements of different individuals, covering multiple scenarios.\n**Star Health Super Surplus**– This plan comes with a cover ranging between Rs 7 lakh and Rs 10 lakh, with the deductible starting at Rs 3 lakhs.\n**Religare Enhance**– This custom designed scheme comes without any sub-limits, ensuring that the entire family is protected, with the option to choose a cover between Rs 1 lakh and Rs 30 lakh, depending on their requirement.\n**Apollo Munich Optima Plus**– This plan covers multiple scenarios, offering cashless benefits and an option to convert the scheme into a zero-deduction health insurance policy upon retirement.\n**United India Insurance Super Top Up**– This plan can be used to protect both an individual and his/her family, coming with a floater option and offering cashless treatment across multiple locations in India.\n**HDFC Health Suraksha Top-up Plus**– This plan comes with a family floater option, with deductible starting from Rs 1 lakh and sum assured ranging between Rs 2 lakh and Rs 10 lakh.\nGST rate of 18% applicable for all financial services effective July 1, 2017.\n\nDisclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.\n\n(Reference: -Bankbazaar)\n\nRefer the Article and Other Recommended posts on \n[ISPEAKSFORUM](https://ispeaksforum.com/top-up-health-insurance-plans-super-top-up-plans-details-benefits/)",
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      "body": "@@ -8640,12 +8640,387 @@\n  and Twitter\n+%0A%0A%0AALSO READ :%0A%0A%5B7 BEST SHORT TERM INVESTMENT OPTIONS IN INDIA%5D(https://ispeaksforum.com/7-best-short-term-investment-options-in-india/)%0A%0A%5BTOP 10 DIVIDEND PAYING MUTUAL FUNDS TO INVEST IN 2018%5D(https://ispeaksforum.com/dividend-paying-mutual-funds-to-invest-in-2018/)%0A%0A%5BBUDGET 2018 LTCG TAX OF 10%25 ON STOCKS AND MUTUAL FUNDS %5D(https://ispeaksforum.com/budget-2018-ltcg-tax/%0A)\n",
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      "body": "Which are the best large cap mutual funds to invest in 2018? Everybody wants to invest in mutual funds. As the market is volatile, Mutual fund advisors recommending investors to invest in large cap mutual funds for 2018. Large cap schemes as the name suggest investing majority of funds in stocks or company with large market capitalization. These companies may be a leader in their domain and relatively less volatile than small companies. Conservative investors can also invest their money in Large cap funds to accumulate the corpus for specific financial Goals like Retirement planning, Child education, Home purchase etc.\nThese Schemes are an ideal choice for those investors who don’t want to take as much risk on their Principal part but wanted to participate in Equity to create wealth over the long term without taking an extra risk or exposing their corpus to a lot of volatility.\n\nIf you have very little risk appetite and want to create wealth over the longer period, Large cap fund may be a good choice for your portfolio. But as we always suggest to investors, to align the investment with your Goal is the right strategy for any financial investment decision. So before selecting the funds always decide for which goal you are making an investment, and how much duration or time will be required to accumulate the corpus for the aligned Goal. If you require corpus say after 5 years or more then equity is the right choice. Otherwise, if you require an amount in short duration say 1 years or 2 years then always choose debt fund or safest investment avenues because, in short period of time, equity might be a volatile and can erode your capital too.\n\n## What are Large Cap Mutual Funds?\n\nLarge cap mutual funds are the type of equity where funds are invested in a large portion of companies with large market capitalization. These are essentially large companies with large businesses and big teams. Large cap stocks are commonly referred as blue-chip companies. Large cap mutual funds invest on those firms that have more possibility of showing year on year growth and profit which in turn also offers stability over a time. These stocks give steady returns over a period of time. These are well-established companies that have a stronghold in market shares and are usually considered as safe investment.\n\nLarge cap funds are considered as safe investment because they are less volatile as compared to small cap companies as the market fluctuates. Hence investors are keen to invest their funds in large cap funds even though share prices of the blue-chip companies are high.\n\n## Benefits of Large Cap Mutual Funds to invest in 2018\n\n* Large companies are well-established which means that they have more consistent income. That is why the greatest benefits that add up to large cap stocks is the stability they can provide.\n* Large cap funds are less volatile during the downturn in the market/ business, investors keen to invest in those funds which are less volatile compared to other equity funds.\n* As the investments in Large cap mutual funds are made in big firms/large companies, these funds tend to have low-risk.\n* In the long term, Large cap funds can give you better returns as compared to midcap/small cap funds.\n* Large cap funds can give you steady returns over a long term, so you can easily align the financial goals with these funds.\n\n## Who Should Invest in Large Cap Mutual Funds?\n\nInvestors who are looking for safer returns and capital appreciation on their invested amount can find large cap mutual funds to be an ideal option for the investment. Since Blue-chip companies are financially strong these funds tend to give stable returns over other equity funds. The returns on Large cap funds can be moderately low as compared to small cap companies but usually can give you stable & consistent returns.\n\nWhen investors invest in these funds, the chances of their capital get eroded is very low as compared to other equity funds. Furthermore, Large cap funds can withstand the economic crisis and can recover faster. Thus, investors who are looking for moderate returns but with Low risk can consider Large cap funds as one of the safe investment avenues.\n\n## BEST LARGE CAP MUTUAL FUNDS TO INVEST IN 2018 WITH COMPARISON\n\nhttps://steemitimages.com/DQmVY5SSehDzp5T52SXX1dUTvMK9DjedbEDunB1DrL2JNp6/best%20large%20cap%20funds.png (source:- value research)\n\nMethodology to select the Best Large Cap Mutual funds to invest in 2018\n\nDIRECT FUND OPTION: – We have selected the direct option for investment, In Direct plan you can save at least 1% on cost on Fund Expense Ratio which in turn give you more lucrative returns in the long period of time, you can get 25% or more return in 10-15 years if you prefer to go with direct option.\n\nBETA OF THE FUND: – We have selected the fund based on BETA of the fund. A beta of less than 1.0 indicates that the investment will be less volatile than the market, and, correspondingly, a beta of more than 1.0 indicates that the investment’s price will be more volatile than the market. For a conservative investor, it is always suitable to select the fund with less than 1 of BETA.\n\nTRAILING RETURNS: – One criterion that I look when investing is the trailing return.  Trailing return is the return that the mutual fund has achieved over the specified time period, including both capital gains and dividend growth.\n\nI like to use this as one of my criteria as it will show you how much money they have made and you can compare this to the other funds that are investing in the same category.\n\nA trailing return looks backward from a particular date for a fund’s annualized return over a specific time period–usually ending on the last day of the most recent day, month, quarter, or year\n\nALPHA OF THE FUND: – Alpha, often considered the active return on an investment, gauges the performance of an investment against a market index or benchmark which is considered to represent the market’s movement as a whole. The excess return on an investment relative to the return of a benchmark index is the investment’s alpha.\n\nEXPENSE-RATIO: – The expense ratio of a stock or asset fund is the total percentage of fund assets used for administrative, management, advertising, and all other expenses. An expense ratio of 1% per annum means that each year 1% of the fund’s total assets will be used to cover expenses\n\nSTANDARD DEVIATION: – Standard deviation (SD) measures the volatility the fund’s returns in relation to its average. It tells you how much the fund’s return can deviate from the historical mean return of the scheme. If a fund has a 12% average rate of return and a standard deviation of 4%, its return will range from 8-16%\n\nSHARPE RATIO: – Sharpe Ratio measures how well the fund has performed vis-a-vis the risk is taken by it. It is the excess return over risk-free return (usually return from treasury bills or government securities) divided by the standard deviation. The higher the Sharpe Ratio, the better the fund has performed in proportion to the risk taken by it.\n\nBasically, it is measuring excess return (over risk-free rate) per unit of risk. If Sharpe ratio is 1.25 p.a., then it implies 1.25%p.a. excess return for 1% annual volatility.\n\nThe greater a portfolio’s Sharpe Ratio, the better it’s risk-adjusted performance. A negative Sharpe Ratio indicates that a risk-less asset would perform better than the security being analyzed. This measurement is very useful to compare funds with similar returns or high returns, by analyzing the same in line with the risk taken.\n\n## FINAL THOUGHTS ON BEST LARGE CAP MUTUAL FUNDS TO INVEST IN 2018\n\nAs we have discussed which are those Best Large Cap Mutual funds to invest in 2018. Before selecting any funds as an investor, you should always consider the duration of the funds, for how much time you want to park your funds let say for 1-2 years then debt funds can be a good choice so that you could safeguard your principal amount. But if your horizon is for more than 5 years, then equity can give you inflation adjusted returns which you can align with your Financial Goals.\n\nSo, three important parameters need to consider before selecting any investment avenue\n\n* Duration of your investment\n* Risk Appetite for Investor\n* Purpose or Goal for investment- like Retirement savings, emergency funds, Home purchase, Child Education etc.\n\nAll the above-discussed Funds Which we have Outlined for Best large cap mutual funds to invest in 2018, carefully analyzed based on above mentioned different parameters.\n\n> If you enjoyed this article, share with your Friends and Colleagues through Facebook and Twitter",
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