Blog


Home  »  All Blogs   »  Posts under category - Mutual Funds

What are ELSS or Tax saver mutual funds

Equity linked Savings scheme or ELSS is one of the tax saving options provided by mutual funds in India. They are also called as Tax saver mutual funds. You can get tax rebate under section 80-C to the maximum of 1.5 lacs. People use to worry about paying so much tax once they move up the ladder, but what they fail to understand is that if proper tax saving options are chosen they can earn more than what they are paying as tax. One common thing among all tax saving options are that, all are having extended lock in period of more than five years. Some of them like PPF are having 15 years of lock in period and some of the insurance policies are having around twenty years of lock in period. The biggest advantage of best performing ELSS is that it has lock in period of only 3 years and the returns after this lock in period is completely tax free.

Read more

Other types of Mutual funds in India

We had seen the different types of mutual funds and each of its type in detail. Apart from this there are many hybrid funds which are widely available for investing. They are nothing but the specific combination of debt and equity, some are innovated for the product to be sold in the market. Mutual fund investors can be classified as Active investors and Passive Investors.

Read more

What are the Different types of Debt Mutual Funds

Debt mutual funds are for safer and conservative people who are not willing to invest in equities or for people who are nearing retirement. Generally debt funds are perceived as similar to fixed income products. Known fixed income products are Post office deposits, Kisan Vikas part, NSC, Bank deposits etc. Other than this you can buy Bonds from IPO or from secondary market, Non Convertible Debentures which can provide returns periodically. Risks associated with these funds are that they invest in particular company. Sometimes higher returns are provided by junk companies as there is high risk of default. Ratings are provided by credit rating agencies for Bond’s, NCD’s etc as AAA, AA, A, A+ etc which designates the ratings for that particular company. Suppose if the company is having rating as B- or C it just means that it is junk bond or company and hence there is inherent risk associated with that company though the interest rate offered is high.

Read more

What are the Different types of Equity mutual funds

Equity mutual funds have always provided double digit returns and in excess of 15% over the period of last 2 decades. UTI equity mastershare is the first mutual fund started in 1986 and till date in the last 30 years have given around 18%, Many in and around Gujarat have utilised this fund for generating excess returns in the last 30 years and some are still investing in this fund as compounded returns is still exemplary. This is just shown for illustration purpose and how this equity can serve in your financial planning for your future.

Read more

What are the Different types of Mutual Funds in India

The common misconception on mutual fund is that they invest only in equities. Mutual funds are categorised as Equities, Balanced and Debt funds. The type of investment in each of the categories vary and hence the risk term associated will also vary across. We can see the broad categories of Mutual funds in India,

Read more

What is SWP or Systematic Withdrawal Plan in mutual fund

SWP is used to withdraw an amount every month on a particular day, this can be useful for retired persons who have corpus and expect good returns over their living period and also for single men or women who have got immediate corpus from insurance. The more safer option would be investing in mutual funds related to Monthly Income plan as it invests only 20% in equities and remaining in Short or long term funds. Volatility will be lesser compared to diversified mutual funds.

Read more

Mutual fund risk

Risk, for many it can be an adventure to get adrenaline rush and for many it is the fear factor which keeps them in pushing it through in completing the task or what so ever.

Read more

Mutual funds for kids

Generally mutual fund can be invested for long term or medium term or short term also, based on the number of years fund has to be chosen.

Read more

Mutual fund investment advice

Everyone look at Equities as the biggest wealth creator but they won’t compare it with real estate, gold or any other way they have known.

Read more

What are Sector Mutual funds

Generally when it comes into investing in mutual funds many will be advising to invest in large cap, small & mid cap, Balanced funds for long terms. You can invest in Debt funds if you are conservative and have a shorter investment period, but there are some sector specific funds which had given good returns in longer period than the index funds or other fund types.

Read more

How much return can mutual fund give in the long term of 15 or 20 years?

Mutual funds can bring in new breathe to your financial life, whether if you are comfortable managing things at ease or trying to come out of a debt crisis.

Read more

Can Mutual fund be bought in Lumpsum?

Many had started thinking about buying mutual fund and ready to buy in the form of Systematic Investment Plan or SIP, but when it comes to lump sum investment they are still going for Fixed deposits or Tax saver Fixed deposits.

Read more

Why and how to invest in Mutual funds in India ?

Indian mutual fund industry is expected to increase to 40 lakh crore by 2020 from the current 16.8 lakh crore. People are getting awareness from various circles for better returns and this had triggered the growth of this industry in India. Still many feel that the investing is a complex thing and only who has more money has to do this investment. Mutual funds in India is as simple as opening a RD account.

Read more

Best Mutual fund Advice – part 3

In this mutual fund series you have seen the types of mutual funds available in the market and the returns it generates.

Read more

Best Mutual fund Advice – part 2

Mutual funds are not like chit funds, those who invest in chit funds can very well place a bet on this without any fear of losing their money and any scandals involved.

Read more

Best Mutual fund Advice – part 1

Usually people use to say that when someone buys a product the neighbor’s in that surroundings will naturally buy the same one, the growth of television in many homes can be attributed to that, gradually consumerism has started which resulted in growth of many such products.

Read more