Perks Of Getting Online Loans With No Credit Check

A plethora of typical money lenders tends to limit how much you can borrow on a short-term loan basis. When emergencies hit the money limit indeed poses a lot of stress. Credit scores are also widely used by several banks globally, and moneylenders and are free to decide if they want to lend the money or not. Due to this, people with favorable credit scores are likely to get loans through typical lenders compared to those with bad credit. In reality, not everyone can maintain a good credit score, and it can be pretty challenging to get loans. But one doesn’t need to stress as they can always avail online loans with no credit check.

Different Types Of No Credit Check Loans

Payday loans are mainly short-term loans that can only be accessed online or through storefront lenders. They tend to be approved in a short time or even in a matter of few minutes at a time. They are mainly repaid from the borrower’s paycheck. People avail these loans for emergencies, and clients can easily access them from borrowers. The payday loans also tend to have shorter repayment, and the most extended allowance here is a month or at least two weeks. Above all, interest rates are pretty high, and there are no additional expenses for late repayments.

Personal Installment Loans

This loan type tends to have a more extended repayment period as compared to payday loans. However, the best part is that they are pretty user-friendly and, of course, more budget-friendly. Above all, they tend to be a safe option for patrons who tend to have low interest rates and more conductive repayment plans. Above all, borrowers can pay in small installments here given a repayment.

Perks Of No Credit Check Loans

The best part about online loans with no credit check is that the lenders don’t pay much attention to the borrower’s credit score. No doubt the bank will indeed don’t allow them to borrow due to their low credit score, but borrowers can surely get a piece of mind when they know they have an option. Above all, no credit check loans offer short-term loans with minimum subjecting to credit inspection.


The no credit check loans can be easily accessed online and can also be accessed through an electronic medium. The online application process is quite simple and easy as it can be done whenever one wants. The process is also pretty short, so people don’t need to invest a lot of time here.

Quick Approval

The best part about online loans with no credit check is that they get approved in no time, unlike typical loans that take some days or even weeks to get approved. The online forms only require few details and can be submitted with a click of a button. The application process is quick for people who need emergency funds. Hence these loans are outstanding and here to stay without a doubt.

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Understanding the exact working behind the SIP calculator

We all must have some figure in our mind, which we want to achieve through saving over a certain duration. For example, if your ultimate financial goal is to buy a dream home by the time you retire, then you may need to build a corpus worth Rs. 50 lakhs. Someone who wants to plan for their wedding in the next seven to ten years may need to build a wedding corpus of Rs. 15 lakhs to Rs. 20 lakhs. Depending on your investment objective and the number of years you have in hand to achieve it, you can decide how much money to invest so that over the long term you are to save enough and create wealth.

Now if you want to calculate how much wealth you can create with your current SIP mutual fund investments, you can refer to a Systematic Investment Plan (SIP) calculator. But before moving to the calculator, let us understand what Systematic Investment Plan is. 

Systematic Investment Plan

Often referred to as SIP, a Systematic Investment Plan is an investment approach followed by investors who want to build a long term corpus by investing small fixed sums in mutual fund schemes. This mode of investing in mutual funds is ideal for anyone who wants to inculcate the discipline of systematic and regular investing. In SIP, the investors get to choose the investment sum and they can decide on which day of the month this amount can be debited from their savings account regularly.

SIP is better than lumpsum investing especially because one doesn’t need to have a large surplus sum to invest in mutual funds via SIP. Some mutual fund schemes are available at a SIP of as low as Rs. 500 per month. 

What is SIP Calculator?

If you want to calculate the maturity value of your SIP mutual fund investments at the end of its tenure, you can use the SIP calculator for calculating this amount. By using a SIP calculator, investors will be able to understand the exact SIP amount which they need to invest regularly to achieve the desired corpus. Irrespective of what your goal is, you achieve it using a SIP calculator by providing these details –

  1. Monthly SIP investment sum
  2. Number of months these investments will be made (ex. 120 months which means 10 years)
  3. Annual expected rate of return from the mutual fund scheme

SIP calculator is based on the following formula – 

M = P × ({[1 + i]n – 1} / i) × (1 + i)

Where –

–     M stands for the amount you receive upon maturity

–     P stands for the amount you invest at regular intervals

–     n stands for the number of payments you have made

–      i stands for the periodic rate of interest

How to use the SIP calculator?

Investors can use the SIP calculator by following these 3 simple steps – 

Determine the SIP sum

Investors need to enter the exact SIP sum which they will be investing at regular intervals which is usually every month. This sum will vary depending on your risk appetite, your current income, and your existing liabilities. 

End the number of months

Now depending on your financial goal (short term or long term), you can decide the number of months you wish to continue investing in mutual funds via SIP. 

Expected rate of return

Every mutual fund scheme delivers returns and investors need to assume returns in percentage which the mutual fund scheme might generate on an average during the investment tenure.

Investors will receive the following details –

– Total investment sum

– Returns earned

– Total corpus earned at the end of the investment journey = total investment sum + returns earned

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What is an ETF? Should you invest in Exchange traded funds?

The best part about mutual fund investing is that are plenty of investment products under broad categories which makes it possible for almost everyone to find a scheme that is aligned with their investment objective. For example, if building an emergency fund is on your mind you can consider investing in a liquid fund that falls under the debt scheme category and is a mutual fund scheme that offers high liquidity. If your investment objective is to take some higher risk to earn better returns, you can consider investing in a small cap fund. Investors who want to save taxes this fiscal year can consider investing in Equity Linked Savings Scheme (ELSS).

Similarly, investors who wish to invest in a mutual fund scheme whose units can be traded at the live market price are referred to as exchange traded funds (ETFs). 

What is an exchange traded fund?

An ETF is an open ended scheme that can only be traded using a demat account. Exchange Traded Funds are listed at the stock exchange just like company stocks which makes it possible for investors to enter or exit this fund during live trading hours. Investors can book profit and sell their ETF units similar to how traders buy and sell shares at the exchange.

Investors seeking equity exposure can consider investing in exchange traded funds. What distinguishes an ETF from direct equities is that ETFs have a diversified investment portfolio. A diversified portfolio is void of concentration risk whereas investments in direct equities have a very high concentration risk. ETF funds are ideal for long term investing, and investors can target their life’s financial goals which require a large commendable corpus like buying a new house or even a car. 

Difference between exchange traded funds and mutual funds

Parameter ETFs Mutual Funds
Risk management Exchange traded funds are passive funds which follow a passive management strategy Mutual funds offer active risk management
Modes of investing Investors need to have a demat account in order to trade with ETF units One can invest in mutual funds without any demat account
Low expense ratio Since there is very less participation of the fund manager in managing ETFs, they have a relatively low expense ratio Mutual funds that are actively managed have a high expense ratio as compared to passive funds like ETFs
Purchase price ETF units are traded live at the current NAV (net asset value) Mutual fund units can be only bought or sold once in a day at the NAV which is determined at the end of the day
How are returns earned ETFs track the performance of an underlying index or asset class without minimum tracking error Mutual funds earn by investing in a diversified portfolio of securities by generating risk adjusted returns

Should investors consider investing in exchange traded funds?

Investors should not only invest in ETFs because they have a low risk profile or can be traded at the live market price. They must invest if the investment objective of the ETF aligns with their investment goals. Investors must realize ETFs carry a very high investment risk and hence, they should determine their risk appetite before investing. ETFs offer passive management which means investors who are choosing mutual fund investors to benefit from the expertise of season fund managers should reconsider investing.

Those who wish to invest in ETFs must be ready to expose their investment portfolio to the market’s volatile nature. Investors may need to have a very high risk appetite and a long term investment horizon to allow their ETF fund to generate maximum returns.

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A complete guide to Exchange traded funds

Exchange traded funds are a popular investment tool among mutual fund investors. They can be bought and sold at the current market price during live trading hours. Investors can trade with ETF units just like they trade with stocks of companies. ETFs are listed on the market indices just like any other company stock. Investors get the best of both mutual fund and direct stock investing through exchange traded funds. Since these are passive funds, they have a relatively low expense ratio than active mutual funds. 

What is an exchange traded fund?

An Exchange Traded Fund (ETF) is an open ended scheme whose units can be traded throughout the day during market hours, which means investors can buy and sell these fund units at their current NAV (net asset value). The investment objective of an exchange traded fund is to generate capital appreciation by mimicking the performance of its underlying index or benchmark with minimal tracking error. 

How do ETFs work?

As mentioned earlier, ETFs offer the best of both mutual funds and stocks. They are bought and sold in the form of shares on all the exchanges where they are listed. Investors can enter or exit ETF funds by buying / selling their units at the fund’s live trading price throughout the day. Just like mutual funds, the NAV / market price of an ETF may fluctuate in value depending on the performance of its underlying assets and the basket of securities in which it invests. If the underlying assets of an ETF perform, its market price increases and vice versa.

ETFs are both active and passively managed. The portfolio manager of an active ETF carefully assesses its underlying securities and trades with them daily to help the scheme achieve its investment objective. On the other hand, passive ETF track the market trend of its underlying securities to generate capital appreciation. 

Benefits of investing in ETFs

When you buy shares of a single company, the performance of these shares will only depend on how the company performs in its coming quarters. When you invest in an ETF, you can invest in multiple company stocks thus avoiding any kind of concentration risk. For example, if you invest in an ETF that invests in the top 50 NIFTY companies, you will be able to invest different equities in small quantities rather than investing in just only single company stock.

Mutual funds have high management costs which are recovered through the expense ratio. A high expense ratio can take a significant chunk out of your overall capital gains. On the other hand, ETFs have a relatively low expense ratio which makes them a cost effective investment. ETFs are traded at the stock market and hence carry a relatively low expense ratio as compared to other mutual fund schemes. Investors can only buy or sell their mutual fund units based on their NAV which is declared at the end of the day. However, units of ETFs can be traded throughout the day, making them more liquid than mutual fund units. 

Volatility factor

ETFs may have several benefits over direct stock market investments and even mutual funds, but investors should bear in mind that these are market linked schemes too. The investment risk in ETFs is very high and hence, investors should first determine their risk appetite before investing. Just like any other mutual fund scheme, exchange traded funds do not guarantee returns.

Investors are expected to keep a well diversified investment portfolio and not only invest in any one scheme or asset class for income generation.

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Roy Gagaza Lists the Benefits Associated With a Principal-Protected Investment 

Roy Y. Gagaza Knows That Not All Investors Are Gamblers. This Is Where Principal Protected Investments Come In

Banks are not paying a lot of interest on cash in your accounts. As such, people are looking to make more money on the cash they have sitting around. However, not everyone wants to gamble their money and try their luck on the stock market or with other riskier types of investments. This is why Roy Gagaza, the CEO and Founder at Journey Wealth Management, LLC, wants to introduce you to principal-protected investments. Here is more information about this type of investment and why you may want to consider it.

Roy Gagaza Says the First Benefit Is a Guaranteed Return

One of the major benefits associated with a principal-protected investment is that it is as close to a guaranteed return as possible. The only other types of investments that are more solid are government bonds, but those do not have a high-interest rate associated with them. Basically, unless a company that is being invested in goes bankrupt, you are going to get your money back and then some. This is not always the case with investments, so this is a major benefit according to Roy Gagaza.

Roy Y. Gagaza Says the Second Benefit is Knowing Exactly How Much You Will Get

The second benefit associated with a principal-protected investment, according to Roy Gagaza, is that you will know exactly what you are getting when you invest. This is pretty rare for investments, as the amount you may get tends to vary. If you are looking to make a specific amount, this is a great way to ensure what you are investing in that nets you the return you are after.

Roy Gagaza Says the Third Benefit Is Higher Interest Rates Than Banks Offer

The final benefit of a principal-protected investment, according to Roy Gagaza is that these types of investments typically have a higher rate of return compared to other secure investments. For example, you can usually earn more by investing in a principal-protected investment compared to a government savings bond, bank savings account or a bank CD. This helps you to make the most of the money you have to invest.

Roy Gagaza is committed to helping people make their financial dreams come true. A key component to this is investing wisely. While no investment is 100 percent foolproof, principal-protected investments are one of the more secure investment options available. This can be a great option for someone who does not want to gamble, and who wants to make a reasonable return on their investment.

Roy Gagaza Says Principal-Protected Investments Can Be Ideal For Those Who Prefer Safer Investment Opportunities.

Click on the link below to schedule a 15-minute Retirement Strategy Session.

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What are the advantage and disadvantages of equity funds?

Mutual funds offer diversification as they invest in a basket of securities that may belong to various asset classes and money market instruments. Fund houses that run mutual funds amass financial resources from investors sharing a common investment objective and invest the accumulated sum across money market instruments to generate capital appreciation.

Investors with a very high risk appetite prefer investing in equity funds because they carry a high risk rewards ratio. Today we are going to discuss equity funds and some of the advantages and disadvantages of these market linked schemes

What is an equity fund?

An equity fund is an open ended mutual fund scheme that invests majority of its investible corpus in equity and equity related instruments of publicly listed companies. Equity funds invest in stocks of various companies and build an underlying portfolio that may generate income through diversification of risk.

As they predominantly invest in the stock market, equity funds carry a very high risk profile. Retail investors may have to understand their risk appetite and invest accordingly.

Advantages of equity funds

  • The biggest advantage of equity funds is that they are ideal for achieving long term financial goals like buying a new house, planning for your child’s wedding, or building a corpus for their higher education or any similar long term goals. Equity funds invest in stocks. We all know that investing in the stock market for the short term can prove to be volatile. However, over the long term the stock market has always provided decent returns.
  • Equity funds are the highest grossing mutual fund scheme compared to debt funds, hybrid funds or any other mutual fund scheme. They may be a high volatile investment, but they also have the potential to generate returns who no other investment avenue can offer.
  • Equity funds are professionally managed. Every equity fund has a fund manager, sometimes a team of fund managers who actively buy and sell securities depending on market movement. This is why even a ‘know-nothing’ investor can invest in equity funds as their money is handled by a team of expert fund managers who try their best to help the equity scheme generate returns.
  • If you invest in Equity Linked Savings Scheme (ELSS) a tax saving equity scheme, you can receive tax benefit for an investment of up to Rs. 1.5 lakhs under Section 80C of the Indian Income Tax Act, 1961.

Disadvantages of equity funds

  • Equity funds are highly volatile in nature and over the short term one may even face losses. They carry the highest amount of investment risk as compared to any other mutual fund scheme. Without a long term investment horizon, investing in equity funds may not be a good idea.
  • Equity funds do offer professional fund management but that comes at a high expense ratio. The expense ratio of equity funds is higher than passive funds like index funds. A high expense ratio may devour a large chunk of your capital gains in the long term.
  • An equity scheme like ELSS may come with a tax benefit but it also comes with a predetermined lock-in period of three years. This means investors cannot liquidate their ELSS investments till the lock-in period is over, thus limiting the liquidity offered.

If you are investing in equity funds for the long run and wish to mitigate overall investment risk, you can opt for Systematic Investment Plan (SIP). With SIP one can invest small fixed sums at regular intervals instead of making bulk investments and exposing their entire investment sum to market risk.

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As GST regime clocks in 4 years, a look at its impact on mutual funds

 The economic landscape of India witnessed a change when the Goods and Services Tax (GST) was rolled out on July 1, 2017. For the mutual fund industry, the same year also saw an addition of over 67 lakh folios while the Asset Under Management of the industry stood at Rs. 18.85 trillion in March, as represented by the Association of Mutual Funds in India (AMFI).

In the past four years, GST has undergone quite a few tweaks; so has the performance of the mutual fund industry over the years. With growing awareness of mutual fund investments, many investors have started their investment journey in mutual funds. Earlier, many investors used to invest their savings in traditional instruments such as fixed deposits, recurring deposits, and post office savings. This change can be gauged by the numbers reported in an April 2021 article by LiveMint. The mutual fund industry saw the addition of more than 80 lakh folios in 2020-2021, making the industry’s AUM grow to more than Rs. 33 trillion as on May 2021, as per AMFI.

This growth has likely been beneficial to many investors, making their wealth grow by way of returns which, in turn, are taxable by law. So, how have investors benefited from or have been affected due to GST? Has GST impacted their capital gains?

Impact of GST on mutual funds 

The impact of GST on mutual funds has been minimal. GST is applicable on the fees that asset management companies charge. As the fee charged is nominal, the impact that GST has for an investor is quite marginal.

Mutual funds, GST and sectors of business ecosystem – The holy trinity

At the same time, many mutual funds are likely to invest heavily in various sectors such as Automobile, Consumer Durables, FMCG, and Logistics; these sectors have been impacted by GST, influencing mutual fund schemes to that limited extent. 

Higher expense ratio

As per the new tax regime, a GST of 18% is applicable on the fees that asset management companies charge. Thus, if an investor wants to redeem, they will receive relatively lower returns, compared to what they would have before GST. To be sure, even before GST came in, a service tax of 15% was applicable on all these fees.

Accordingly, investors or asset management companies do not need to change their investment strategy as the GST impact for them is minimal. They can continue the existing strategy, and returns can still be high if investors stay invested for a long term.

Financial advice will be slightly expensive

If new investors want to seek advice from financial or investment advisors, they might need to incur more costs, as the GST is 18%. Financial planners might need to bear the brunt due to the slight increase in service tax.

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Know all the types of equity funds in India before investing 

The mutual fund space has a plethora of investment options to choose from. For a first time investor, making an investment decision and choosing the right mutual fund scheme can become a task in itself. Mutual funds are a preferred investment tool of millions of investors but before investing in these market linked schemes, new investors must understand the basics of mutual funds and how they function.

Equity mutual funds are one of the favorite investment avenues that have the potential to generate wealth over the long term. Today we are going to understand the different types of equity funds that are available for investing here in India.

What is an equity mutual fund?

An equity mutual fund is an open ended equity scheme that predominantly invests in equity and equity related instruments of publicly listed companies. An equity fund manager aims at outperforming its underlying benchmark by investing in a diversified portfolio of stocks and other equity related instruments of companies.

Equity mutual funds are known to generate far better capital appreciation than debt and bond funds, however, this may or may not prove to be true every time. The underlying portfolio of an equity mutual fund gets affected by the constant market vagaries which are why these market linked schemes carry very high investment risk. 

Types of equity mutual funds

SEBI has rationalized and categorized mutual funds in such a way that investors can take an informed investment decision. 

Market capitalization based categorization

SEBI has categorized a few mutual fund schemes based on their market capitalization – 

Large cap funds – Also referred to as bluechip funds, these are open ended equity schemes that predominantly invest in equity and equity related instruments of large cap companies.

Mid cap funds – Mid cap funds are open ended mutual fund schemes that invest a minimum of 65% of their investible corpus in mid cap company stocks.

Small-cap funds – These are highly volatile and offer low liquidity as compared to large caps and mid caps. Small cap funds invest in companies that are ranked beyond 250th in terms of market capitalization.

Multi cap funds – These are open ended equity schemes that invest 65% of their overall assets across market capitalization.

Flexi cap funds – A new equity mutual fund subcategory launched by SEBI where the fund must invest 25% each in large, mid, and small cap company stocks.

Large and mid cap funds – These are equity funds where the fund manager must invest a minimum of 35% each in large and mid cap companies. 

Strategy based categorization

These equity funds are categorized based on the investment approach that they follow – 

Sectoral / Thematic Funds – These are equity schemes that invest a majority of their investible corpus in a particular sector or theme. For example, pharma fund or real estate fund.

Focused fund – These equity funds must invest their entire investible corpus in a maximum of 30 companies as per the market capitalization mentioned during the launch of the scheme.

Contra funds – These funds follow a contrarian investment strategy where they invest in stocks that are deemed underperforming at the moment but have the potential to generate wealth in the near future. 

Categorization based on tax exemption

Under this category, there is only one mutual fund scheme, Equity Linked Savings Scheme. Equity Linked Savings Scheme (ELSS) is a tax-saving equity scheme that comes with a three-year lock-in and tax benefit. ELSS is a tax-saving instrument that comes under Section 80C of the Indian Income Tax Act, 1961. An investor can invest up to Rs. 1.5 lakhs per fiscal year in ELSS and seek tax exemption on the sum invested. 

Management style based categorization

Active funds – Have active fund managers who build the investment portfolio and actively trade to help the scheme achieve its investment objective.

Passive funds – Follow a passive investment strategy. For example, index funds, ETFs, etc.

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Which debt funds giving double digit returns?

There is an inverse relationship between interest rates and bond prices. Whenever there is a fall in interest rates, bond prices go up. Over the years, the interest rates offered by conventional schemes like bank FDs has gone down as low as 5%. With such low interest rates, investors are now looking for other investment options. Debt funds are a preferable investment choice as they offer returns better than FDs with minimal investment risk. Nowadays more and more people are switching to debt funds because they have the potential to offer decent returns without taking any added risk.

Debt funds are open ended schemes which invest in bonds, debentures, treasury bills, and other money market instruments to achieve a common investment objective. There are around 15 product categories under debt schemes which makes to possible for almost every type of investor to attend to their investment goals.

Which debt funds give double digit returns?

Long duration funds and gilt funds have given a record returns of 12% and 10.76% in the past. These two funds have offered returns more than any other debt product category. Apart from the fact that they have outperformed all other debt fund products, these two have even managed to deliver returns better than most equity funds.

What is a long duration fund?

A long duration fund is an open ended debt scheme which invests in debt and debt related instruments such that the Macaulay duration of the scheme portfolio is anywhere between 7 to 10 years. The average maturity of the portfolio of a long duration fund is anywhere between 7 to 10 years. Since these funds generate returns over the long term, long duration funds are prone to interest rate risk. These funds are ideal for investors with a long term investment horizon who are looking for an investment scheme less volatile than equity funds.

What is a gilt fund?

Gilt funds are debt schemes which predominantly invest in government securities and government bonds. These debt funds aim at generating capital appreciation by investing in government bonds which are considered to be the safest investment option in India. However, gilt funds are only known to offer returns over the long term, and this is why investors looking for a debt fund for short term investment should reconsider investing in a gilt funds.

Features of a long duration fund

 These funds benefit when interest rates are falling. The constant fall in interest rates over the last few years has given long duration funds much more exposure. People have now started to realize the importance of long duration funds as they have offered returns even better than most equity schemes over the long run. Looking at how the interest rates have been falling, long duration funds can be a sensible investment option for those looking to create some wealth over the long term.

Features of gilt funds

Since these funds invest majority of its corpus in government backed securities, gilt funds have almost zero credit risk. This is much safer than debt funds that invest in corporate bonds. Companies may or may not repay but government usually pays off the said interest which makes gilt funds a safe investment option. No other mutual fund can offer capital protection like gilt funds as they carry minimal investment risk. Also, these funds invest in securities which a retail investor may not be able to directly invest in. Retail investors do not have direct access to a lot of government securities which they can invest through gilt funds.

Although debt funds are less risky than equity schemes, they aren’t entirely risk free.

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Chart patterns such as the death cross signals major sell-off

A death cross is a chart pattern used in technical analysis. As its name suggests, if you a death cross on a chart pattern, there is a big chance of a significant sell-off. It shows up in situations where a short-term moving average makes a crossover under the long-term moving average. Since we are talking about moving averages, the most common ones that traders use are 50- and 200- day moving averages.

Bear markets and death crosses

A death cross is a long-term indicator. Hence, there is more significant pressure on this indicator since traders would want to know more information on securing their gains before the start of a bear market. Furthermore, when a death cross appears in a chart, an increased volume is almost always present. The world has witnessed some of the worst bear markets in 1929, 1938, 1974, and 2008. If only the investors got out of the stock market like 90% of the investors did in the ’30s, they would have avoided significant losses.

Tell me more about death crosses.

Analysts say that a definite signal for a bear market is when a short-term moving average such as a 50-day SMA makes a crossover below a significant long-term moving average such as a 200-day SMA. Whenever this happens, a shape that looks like “X” appears. This is most probably the reason why the death cross is named as such.

History shows us that this pattern appears before an extended downturn for long- and short-term moving averages. It’s a signal that tells us that a stock’s or a stock index’s short-term momentum is getting slower.

However, this does not always mean that the bull market is ending already. For instance, a death cross appeared in 2016, but the bull market did not end. We can only imagine what happens to the investors who got out of the stock market because they solely depended on the death cross. They ended up missing a massive chance for profits. That incident in 2016 is a classic example of “buying the dip” or a buying opportunity when there is a technical correction of more or less 10%.

The downsides of the death cross

We know that these indicators are just indicators, and they do not guarantee anything. They are only guides for traders to watch out for the unknown. No matter how extreme is the regard of other people towards an indicator, a trader should not solely rely on it. Hence, a trader should always double-check and utilize different tools to confirm the presented ideas.

What is really a death cross?

People, especially analysts, have different opinions and ideas on death crosses and the moving average crossovers. Some analysts say that a meaningful, moving average crossover is a 100-day by the 30-day. For some, it is a 200-day crossover by the 50-day. For some, crossovers on lower time frames can be confirmation of solid trends. At the end of the day, the standard definition of death cross is always the short-term moving average with more value crosses below the major long-term moving average.

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