Why is the current market situation best for investing in STP?

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STP or Systematic Transfer Plan is similar to an SIP except for the fact that it involves transfer of money from one fund category to another on a regular basis. Usually, such a type of transfer takes place from a debt fund to an equity fund in installments in order to facilitate the averaging out of the overall purchase price. Recently, the domestic market has become riskier due to the weakening ...
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Use SWP for tax-efficient regular income from mutual funds

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What is SWP or Systematic Withdrawal Plan? It essentially enables customization so that investors can withdraw a specific amount of money or the capital gains from their mutual fund investments on a regular basis. Investors are thereby able to tailor their income stream with respect to their financial needs. This is how investors can avail both steady income as well as desired returns as per their...
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Should International funds be part of investor portfolio?

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The Rupee witnessed a steady depreciation against the Dollar in the past few months, increasing anxiety for all in general. However, the investor community can possibly capitalize on this situation by considering their investment in international funds. This would additionally be a great approach to diversify their investment portfolio. International funds are mutual funds which invest in stocks o...
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“Mutual Funds are subject to market risk” – What is risk?

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We have all heard the statement "Mutual funds are subject to market risks" as a part of disclaimer. What are these risks? Risk is basically uncertainty. When you invest your time or money or energy into something even though it is uncertain, you are taking a risk. Among a plethora of asset classes like FDs, real estate etc. mutual funds and especially Equity mutual funds are considered as the risk...
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Terrible mistakes that can ruin your retirement corpus

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The key to joyous existence, post retirement is very much a possibility if your retirement plan is on point. This financial goal is far more important than it appears to be; all for glorious last few years of life. Who wants to spend these golden years penny pinching in uncertainty! There are many misconceptions which investors necessarily need to stay away from, in order to prevent their retireme...
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How to choose between Growth or Dividend reinvestment while investing in Arbitrage fund?

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An arbitrage fund is a type of equity mutual fund that takes advantage of the difference in pricing between the cash markets and the futures or derivatives markets. This kind of fund capitalizes on market inadequacies in order to provide benefits to investors. It exploits market volatility to make it work in its favour so as to provide investors with relatively risk-free returns. Once the investor...
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Why people are exiting their real estate investments?

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Of late, many investors have decided to quit their real estate investments and the percentage only keeps increasing. A lot of personal experiences and sentiments may be involved from the investors' side. But from a practical point of view, here are a few reasons which are invoking this mass exodus and investors are choosing to invest elsewhere: Changes in regulations: Real estate investors were al...
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Why large cap funds will always be flavour of investing?

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In the light of SEBI's recent mandate on re-categorization and classification of mutual fund schemes, floated in October 2017, this question is definitely worthy of being evaluated. The term "Market Cap" or "Market Capitalization" refers to the size of the company listed on stock exchanges. Market cap is one of the many factors playing an important role in strategizing stock market investments. Be...
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5 things to do when interest rates start rising

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India's premier banking institution – Urjit Patel led RBI, in June 2018 hiked the benchmark interest rate by 25 basis points; a move made after almost four and a half years. This is the rate at which banks borrow money from the central bank and it stands at 6.25%. Multiple factors have been responsible for this decision of the Monetary Policy Committee of the RBI, such as high crude oil prices, we...
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What is a mutual fund benchmark and how you can benefit from it?

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If you have invested in mutual funds, you must be familiar with the term 'benchmark'. If you have ever wondered what it stands for, bench mark is and independent reference point against which you compare a mutual fund's performance or security. Since 2012, it is mandatory for fund houses to declare a benchmark. Some of the common benchmarks include CNX Midcap, CNX Small Cap, Sensex, NIFTY etc. ben...
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How should you measure returns?

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When it comes to measuring returns, there are three different methods to do it – Internal Rate of Return, Time Weighed Return and Compounded Annual Growth Rate. CAGR is usually preferred by online platforms because of its simplicity though inte rnal rate of return is deemed to be more accurate in providing information. The Global Investment Performance Standards and the Charted Financial Analyst I...
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Why can’t we buy low and sell high?

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As Warren Buffet once said, Investing is simple but not easy. A majority of investors believe that the key to investing in stock market is to 'buy low and sell high'. But this piece of advice is not as functional as it sounds for the following couple of reasons: We don't know when and if the lows are happening: It is extremely hard to time the market. The past performance never guarantees a good f...
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Should I opt for Monthly Income Plan?

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MIP is a hybrid mutual fund scheme. The reason being, it invests in both equity and debt securities. Majority of the corpus is traditionally invested in debt securities (around 70% – 80 %) such as debentures, corporate bonds, public securities etc. while the rest is invested in equity. The equity exposure is limited due to market volatility, although it can be used for optimizing profits when the ...
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Low risk, high returns investment?

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Investment has recently become a prime element on the ladder of a safe and secure future. Well, I cannot agree more. The significance seems to be rising every single day and it appears like a mammoth of a task to process so much that is available on the internet. With internet inundated with massive amount of information and plethora of guides pertaining to low risk, high return investment; unders...
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Consistent vs. Best performers?

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One of the most popular investment options for investors is mutual funds. It provides a way for the investors to compound their investment and thus helps them in creating more wealth than many other investment tools. But there are nearly infinite plans for you to select in the market. Even if you filter the existing funds to suit your risk capacity and other parameters, you are still left with exc...
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Can Arbitrage fund replace Debt funds in your portfolio?

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In the world of mutual funds, it is well known that equity funds enjoy the benefit of lower taxation while debt funds are less risky with better returns. But what if you wished to combine the two and enjoy lower taxation, lower risk and good returns? Your answer would be arbitrage funds. Arbitrage funds are a unique type of equity mutual funds. They capture the arbitrage opportunity that arises be...
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5 reasons to file an ITR even if your income is not taxable:

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5 reasons to file an ITR even if your income is not taxable: It is a common misconception that you are not required to file an ITR if you have zero tax liability. As a result many people are oblivious to the benefits of filing ITRs and ultimately end up facing consequences that they could have avoided in the first place. If your total gross income was more than the taxable limit mentioned below, y...
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What is value investing? Which Mutual Funds follow this?

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Unlike those critical investment strategies, value investing seems simple and credible. It doesn't ask you to have an extensive background dealing with finance, however the basics just help. Value investing is one sort of investment strategy which aims to look-up at those stocks of various companies which are trading at some significant discount, to their intrinsic value. If considered generally, ...
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Digital loan against mutual funds (LAMF) - Should you opt?

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  Are you in the midst of financial distress? Are you pressed for time and in an urgent need for money? Do you mind liquidating your current investments? If the answers to these questions are a YES then redemption of your investments or availing a loan against them would be the best way to do away with the unexpected cash crunch. This is how it is generally done and this is how an investor wo...
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ELSS vs. PPF – Where to invest for tax saving?

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  Tax saving is one of the most crucial elements supplementing investment decisions. Honestly, who does not desire tax benefits while thinking about investing? ; be it long term or short term. However, with a wide range of investment options available, it is important to choose the one which aligns perfectly with your risk appetite, return expectations, long term goals etc. Section 80C of The...
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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.