tag entry for Carl bot..taglist in #test channel in our Discord..taglist in #test channel..disc@user, before you start reading our wiki, it's best you read through our disclaimers and disclosures. Just because we discuss a specific stock, or bond, or mutual fund, or even any investment apps in our wiki; doesn't mean we're recommending those. Read more here.direct@user, Direct plans of mutual funds have no commission, and fees are lower compared to its Regular plan counterpart. Returns are higher with no extra risk. Read this for more details.bestmf@user, no one can predict how a mutual fund would perform in the long run. Data also shows consistently chasing best mutual funds result in behaviour gap. Pick one that you can stay with for long term. Learn more here.sipdate@user. It’s rare for markets to move up / down so much in a single month, that a single SIP installment being on a different date would make a size-able difference in your long term. Read more here.dematmf.chit@user, we have some discussions on chit funds here. If you have more queries about chit funds, you can ask in #general-talk after reading this :).bestelss@user, ELSS investment is already capped at 1.5L per year. And if the investment principal is small, the return difference wouldn’t be large. Just pick one, you’re as likely to be wrong as you could be lucky. Read more here.lic@user, avoid. LIC and the agent would take most of it. You’d be left with peanuts. It’s one of the most opaque forms of investment, and there’s no guarantee. Govt. backs LIC, not your financial future. Learn more here.wealthplan@user, we would suggest you avoid such plans. Insurance companies and bank RMs would make gains, but you could do much better not mixing insurance with investments. Insurance cover is inadequate, returns from ULIPs are lower than bank deposits. Read more here.gold.smallcase@user, while smallcase has tools which can aid in managing a stock portfolio better than most brokerage options, do your own due diligence before you invest in a smallcase because the CAGR looks great. Read more here.itr.sipvslump@user, if you’re investing for the long term, time in the market beats timing the market. Invest the entire amount all at once, irrespective of market levels. Invest regularly if don’t have lumpsum. Learn more here.park.stock@user, if you’re wondering why you’re not able to send messages to #stock-fundamentals channel, please read this first.maxtermcover@user, short answer is - till the age someone is financially dependent on your income. Ideally, it should be 60-65. Read more here.grouppolicy@user - yes, you should have your own. Employer-provided group policy might have lower cover, or co-pay, or a cap on room-rent. You should get one on your own, to decouple your insurance from your employer. Learn more here.mfapp@user, as long as the platform allows buying direct plan in growth schemes (for free of cost), pick one you’re comfortable with. Your specific choice of app won’t affect your returns. We have covered pros & cons of popular apps here.stockapp@user, use a discount broker like Zerodha. If you need more detailed comparison on popular discount brokers, especially how they stack up against each other on fees and transfer charges, check this out.uswhy@user, US equities give diversification and exposure to global growth in the most stable currency. You should invest in US equities, if you can find a cost-effective way to do it. Read more here.ushow@user, invest in a cost-effective manner. For smaller corpus, it makes sense to invest via India-domiciled mutual funds that invest overseas, while when you've a larger amount to invest, it could be cheaper to invest directly via US-based brokers. Details here.@beginnerinvestor) hey guys, should I buy this LIC policy?, you can respond with .lic @beginnerinvestor.@beginnerinvestor