Are Index Funds worth investing in India?

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The term Index fund has got quite popular nowadays. Everyone is curious to know what is an Index fund and what it does. An Index fund is a type of mutual fund which as the name suggests invests directly in an index. An Index fund doesn't invest in 2 or 3 stocks but on all the stocks that are part of a particular index. The base indexes in which we can invest are BSE Sensex and NSE Nifty.Index fund...
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Tax saving investments for salaried professionals

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A lot of times, we do not realise that as salaried professionals, we could lose out a lot of benefits due to ignorance. We end up paying more tax to the government than what is necessary. Here are a few ways in which we can save our taxes and improve ourselves financially: 1) Section 80C If you are invested in schemes like ELSS mutual funds, Provident funds, premium life insurance, home loan princ...
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Open Ended and Closed Ended Funds

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  If you have been noticing the recent inclination of average Indian investors towards mutual funds, you might be wondering the reason behind it. It is because of the high returns and tax saving benefits that these mutual funds offer relative to the traditional investments like real estate, precious metals, fixed and recurring deposits, etc. Since there is a high demand in the market for mutu...
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Impact of Elections on Indian Economic Market

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This year 2019 will be an important landmark year for the Indian economy. The General Elections are going to be held in the month of April and May 2019. There are various factors like Import and Export ratio, the value of Rupee, global oil price etc that impact the Indian economy. Like these factors, the outcome of general elections also has a significant impact on the Indian economy. Generally, b...
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Why Liquid funds are an attractive alternative to Savings deposits?

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Suppose you want to invest your money for a short term without any risks, the only choice that comes to everyone's mind is a savings account. Is savings account he only risk-free investment option for your money for a short-term period of less than a year? The option is no. There are a few more investment options like Liquid funds which are not only risk-free, but offer double the profit than savi...
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Gold or Gold ETF, which one should you buy?

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The relation between Indians and Gold is a long-standing one for thousands of years.Right from the early ages, people have bought and used gold ornaments. It has been a part of our religious and cultural aspect. It is also used as a status symbol and as a form of saving with more than 60% of the total gold in India stored in Indian households as gold jeweler. With the increase in the price of gold...
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Fixed Deposit vs. Fixed Maturity Plan

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  FDs are a great way to invest money for investors who want assured returns. FMPs are close ended debt mutual funds where returns are not assured as in FDs. Both the plans have a fixed tenure. FMPs are ideal if you are looking to park your money temporarily. In simpler terms, FMPs are the mutual fund alternative to FDs. FMPs are closed ended funds and so investors can invest only when the fu...
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Growth Plans are more Tax efficient than Dividend Plans

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  Finance minister Arun Jaitley while unveiling the budget proposal for 2018-2019, came up with 10 percent Dividend Distribution Tax (DDT) on distributed income from equity oriented mutual funds. Additionally, as per the proposal, investors will have to pay 10 percent tax on long term capital gains (LTCG) from stock markets, exceeding Rs. 1 Lakh. This could possibly impact investor outlook as...
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Why should you transfer PF account while changing jobs?

Why should you transfer PF account while changing jobs?
​ The main reason why we should transfer money from the PF account when changing jobs is that if we don't, the money in the account may get taxable. According to the Indian laws, the money from a PF account is tax-exempt only if the employee has served at least 5 years under the same employer. In case the worker transfers his job in between, then he must transfer his PF account to his new employer...
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Penny stocks – Good or bad for investment

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The term "Penny stock" originated in the US for stocks trading at a very low price, generally below $5 with low market capitalization. In the context of Indian stock market, the share price of penny stocks could usually be below Rupees 10. Penny stocks are assumed to have fluctuating share prices hence making them quite risky and unpredictable as far as investment in them is concerned. Most invest...
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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 wea...
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Why should you choose SWP over dividend scheme?

​ Systematic Withdrawal Plan is a scheme where investors can withdraw a fixed amount of money from their funds periodically. The investor can customize the cash flow according to his wishes. The frequency of withdrawal is chosen by the investor. This is favorable for retired individuals who can generate income periodically with low-risk funds. Benefits of choosing SWP over dividends: Taxation bene...
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What is the ideal tenure of an STP?

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Investors who invest from their regular incomes usually opt for SIPs. But lump-sum investors are often advised so that they invest their money in an STP before transferring it to an equity fund. This necessarily means parking your money temporarily in a short term fund or a liquid fund before transferring it to a mutual fund. But how long do you stay invested in an STP? The answer is quite confusi...
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What is NAV and how much does it matter?

NAV
​ What is NAV? NAV stands for Net Asset Value of a mutual fund scheme which is precisely its book value or book price. In essence, it is the value per unit of a mutual fund scheme. The NAV is calculated as follows: NAV= (Assets - Liabilities)/Outstanding units Where, Assets include stocks, bonds, cash, accumulated interest as well as dividend held by the fund. The 'per unit' market value of all th...
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Why is the current market situation best for investing in STP?

current-situation-for-STP-3
STP or Systematic Transfer Plan is similar to an SIP (Systematic Investment Plan)  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 b...
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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?

whatisrisk
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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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.