Robinhood Insurance Broker Private Limited

OneInsure Blog


Although the recent murmurs of a second wave of COVID-19 are turning out to be more than just rumours in cities like Mumbai, there is no doubt that the New Year 2021 began on a high note – the markets touched new highs, with the SENSEX scaling 50,000 for the first time in history and NIFTY falling just shy of 15,000.

But, what should YOU keep in mind while investing in 2021? Does your investment strategy need to adapt?

Let’s see a couple of key tips to invest in 2021.

Diversify! Diversify! Diversify!

Yes, the often heard strategy still carries weight in the New Year 2021. All the outward indicators of the markets and public sentiment seem to be positive coming into 2021, so your equity investments should hold you in good stead; however, just as 2020 took us all for a spin, there is just no way to be sure that your equity investments will pan out as your plan.

This is why OneInsure always suggests customers to diversify investments and not focus on just one type of investment tool. If you have equity investments like mutual funds and company stocks, you must consider diversifying your investments with debt investments like Public Provident Fund (PPF), Guaranteed Income Life Insurance Plans, or National Savings Certificate (NSC).

On the flip side, if you have debt investments, you must consider equity instruments like Equity Linked Savings Scheme (ELSS), Unit Linked Investment Plans (ULIPs), or mutual funds.

To diversify means to basically spread your risk across companies and sectors, and this is crucial in uncertain times as the markets can be volatile. A diversified portfolio has investments that react differently in any given market scenario.

Don’t Leave Investments!

Whether you have invested in retirement plans, ULIPs, MFs or PPFs, OneInsure strongly suggests you to not quit your long-term investments before your goals have been met. Do not be swayed by market movements or what you hear on the news. Your patience will be richly rewarded some time in the future, as the world’s foremost investor says:

The market is a device for transferring money from the impatient to the patient

— Warren Buffett

Ask Yourself: Are People Dependent on My Income?

If the answer to this question is “yes”, you have to consider buying a term insurance plan for yourself. We live in times where people have gone numb to COVID-19 figures. In the last few days, for example, more than 6,000 people have come down with the dreaded corona virus every day in Maharashtra! But there isn’t much discussion about it because we have simply stopped caring as much. However, as a responsible householder, it is your duty to ask yourself what will your dependents do in case your income suddenly stops.

Speak to a OneInsure investments and insurance expert today:

86559 86559 |

  • By clicking on the "GET A CALL" button, I accept the terms and conditions & authorize OneInsure representatives to contact me (via Call/SMS/Email).