Why people are exiting their real estate investments?

real_estate
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?

largecapfund-3
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

intrestrate_increase
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?

benchmark
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?

measure_returns
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?

buylowsellhigh
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?

monthly income plan
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?

lowrisk_highreturn
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?

how-to-select-best_funds
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?

arbitrage
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:

file-ITR
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?

value_investing
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?

digital_loan
  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?

elss_ppf
  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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Investing in Ethical Mutual Funds - Shariah Compliant Funds

shariah
Ethical funds are funds that refrain from investing in vice industries. They were launched to help investors invest while maintaining a clear conscience. Although ethical funds are just socially responsible funds, the Shariah funds are known for investing according to the Islamic finance principles and ethics (Shariah rules). Some of the Shariah compliant funds in India are – Goldman Sachs CNX Nif...
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Journey of Rs. 70 to Rs. 70, 00,000

70-to-70lacs
  Investment in mutual funds could be encountered in numerous shapes and sizes. Certain options are the low risk investment ones such as the debt funds, while the others are equity based funds which turn out as riskier. Then you have the hybrid funds which offer a much balanced portfolio. So in case you are planning to invest within the boundaries of mutual funds, then there are various param...
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Income Tax - Changes after April 1st, 2018

incomta_20180910-104918_1
  A summary of the income tax changes for individual tax payers that were announced during Budget 2018. These changes will be in effect after April 2018. Standard deduction re-introduced: For salaried taxpayers and pensioners, a standard deduction of ₹40,000 has been introduced. The transport and medical allowance has been merged with the standard deduction. Instead to saving the bills and cl...
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Non Convertible Debentures (NCDs) vs. Credit Opportunity Debt Mutual Funds

Non Convertible Debentures (NCDs) vs. Credit Opportunity Debt (COD) Mutual Funds
Non-convertible debentures or credit opportunity bonds are securities issued by companies to raise funds. When you buy such bonds, you are actually lending money to the company for a periodical fixed interest (known as coupon). On the maturity date, your principal will be returned to you. Non-Convertible Debentures : A NCD is a debt paper (debenture) that is issued by the company for a fixed perio...
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Should I invest my capital gains in 54EC bonds?

capital gains 54 EC Tax saving
In the union budget of 2018, finance minister already proposed the plan of increasing the lock-in period of the investments within the capital gain tax exemption bonds up to the period of 5 years.This is under the section 54EC of Income Tax Act, 1961. The budgeting of 2017, already indicated about introducing more financial instruments which could save the tax over capital gains. Although, this ye...
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Fixed Deposits vs Debt Mutual Funds

FD fixed deposit vs Debt MF Mutual Funds
If you have saved up some money and looking to invest less risky financial instruments, then fixed deposits or debt mutual fund is your answer. But the similarity ends there. The two tools vary in many aspects like lock-in period and premature withdrawal/liquidity, capital protection, tax liability etc. here are some notable differences. Lock-in period and premature withdrawal: Debt Mutual funds h...
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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.