IndoInvesting Blog

Friday, 18 May 2018

In debt mutual funds, the money you invest are used to buy a mix of government or corporate bonds.These bonds are issued with a fixed tenure and interest rate. The interest depends on how risky the bond is. The higher the risk, the higher the interest rate. The bonds are traded in a secondary bond market where investors can buy or sell them. They can also be held until the principal is repaid to t...

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Mutual Funds Debt Bonds Price

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Math to keep insurance and investments separate

Tuesday, 15 May 2018

An investment is allocating money in expectation of future benefits. You risk now to earn more in future.In insurance, you make an arrangement to neutralize possible future risks. It is ideally a risk management tool. Hence, insurance and investments are not really same and they must not be mixed. Practically speaking, there is no need to insure oneself against risks that can be handled by other f...

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mutual funds investment insurance

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How to select a right Equity mutual fund?

Friday, 11 May 2018

Today, where you explore plethora of market interlinked investment alternatives, equity mutual funds always remain as your safe bet. Whether you be the seasoned investor, or a beginner, good knowledge of market mechanics and thorough research is quite essential in this relatively long term investment. Out of the hundreds and thousands active funds, couple of them are bent towards equity only. Thus...

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Mutual Funds equities MutualFundsSahiHai ETF Money Management Equity Mutual Funds

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How to select a right Debt Mutual Fund to achieve a goal?

Tuesday, 08 May 2018

Selecting a Debt Mutual Fund is unexpectedly more complicated than opting for a diversified equity fund. Even in the case of seasoned investors, understanding and tracking of interest rate movements and the credit risks are exclusively challenging. Yet this is one happiest hunting category for all the corporate treasuries, high-net-worth folks and institutional investors. Again, retail investors o...

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Debt mutual funds MutualFundsSahiHai Dividend MutualFunds

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Is investing in balanced fund riskier?

Saturday, 05 May 2018

Balanced funds generally refers to the hybrid equity-oriented mutual fund scheme where, you usually invest 65-75% of the portfolio in equity securities and remaining portion gets secured in the money market securities or debts. This hybrid portfolio maintains a moderate fund volatility which enables potential wealth creation during long term. However, as the major part of it is parked in equity, t...

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What every woman needs to learn about money management

Tuesday, 01 May 2018

As the stereotypical concepts revolving around "traditional" women have now changed, there is a dire need for women to upgrade their own selves. When it comes to finance management "earn more, save more & spend more" must be the mantra for long-term. However, the order is essential! First you earn much, then save or invest it accordingly and then spend out whatever remains. Savings is n...

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Mutual Funds SIP MutualFundsSahiHai Money Management

299 Hits

Investing: Starting big vs starting early

Friday, 30 March 2018

Starting big vs. starting early It is always the early bird that catches the bird. One might argue that a huge investment can gain the same returns as a small investment over years. But investment is not just about figures, but mainly time. To be a successful and wealthy investor, you need to give yourself time to learn about the market and gain wisdom. That being said let me give you a few reason...

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Mutual Funds Tax Saving Tax saving instruments Mutual funds sahi hai Tax Saving Mutual Funds Investing Start big Start early Compounding

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What are closed ended funds? Should you invest in them?

Monday, 26 March 2018

What are closed ended funds? Should you invest in them? In closed ended funds, there are only a fixed number of shares that is offered through an IPO or NFO . In other words, you can subscribe to them only during the initial new fund offer period and not after. After that, the funds are exchanged like individual stocks. This is because no new shares are created while trading. They exist with a fix...

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mutual funds closed ended advantages disadvantages pro con

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Is early retirement a realistic dream?

Thursday, 22 March 2018

Who doesn't loves to sit back and have a light insight of life in their later years? Fortunately, each one of us does! Retiring early might be a subjective matter, however, in most cases, the factors which determine your decision includes availability of invested funds, a source of stable income and ability to cope up with inevitable future problems. It might be a dream of many to get retired earl...

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MIP Monthly Income Plan MutualFundsSahiHai Mutualfundsmyth MutualFunds Retirement Retirement Planning

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Has India's savings & investment habit change after DeMo?

Monday, 19 March 2018

Investing Insights Knowledge Hub

On 8th November's eve, when the world was eagerly waiting for their predictions on US presidential elections to win, Indians got hardly hit by a sudden storm announcing an unscheduled plan of demonetization. The president addressed the citizens on 20:15 IST stating that all 500 and 1000 rupee notes were subject to be invalid post midnight! The impact of such a surgical and disruptive move was unim...

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savings NaMo DeMo Demonetization

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What are arbitrage funds? Should you invest in them?

Tuesday, 13 March 2018

Arbitrage funds being one of the most proficient, tax efficient ones, also showcase a risk-return profile just like debt funds, although they are still one of the most, misunderstood forms of investing. In the volatile situation, investors largely get exposed to more risk and deem to face the chances of losing high money. In such a case, arbitrage mutual funds which specialise in turning the marke...

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Mutual Funds saving SIP Systematic Investment Plan Mutual funds sahi hai Arbitrage funds

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What is an NFO and should you invest in them?

Friday, 09 March 2018

A New Fund Offer (NFO) is a mutual fund that is offered to public before it opens up to daily transactions. It is similar to IPO (Initial Public Offering - Stocks) in many aspects but not exactly same. Often, investors choose to invest in NFO because they assume they are investing into something so cheap. But it is important to check if the NFO is new or something of similar exists in the fund hou...

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Mutual Funds NCDs MutualFundsSahiHai NAV NFO IPO

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Avoid these top three investment mistakes in 2018

Monday, 05 March 2018

Numerous investors in the stock market when lured by greed or surrounded by complexities end up making costly mistakes! There are several questions that you might ask yourself, and surely introspect about what you actually expect from your investments! It is essential to be cautious! Don't ever mistake to invest in the wrong funds without undergoing a proper research. Know first, whether you are t...

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Mutual Funds Returns SIP Systematic Investment Plan Mutual funds sahi hai 2018 Investment mistakes

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Markets at all-time high – Lump sum investment or SIP?

Friday, 02 March 2018

Indian markets were on bull run til the end of the January, 2018 and a sudden bearish sentiment in early February, 2018 motivated by global markets. Last 6 months was an excellent, volatile & unpredictable time, which made the investors question their strategy and wonder if they should adopt a new strategy according the changing market. So should you start investing more for more benefits...

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Mutual Funds SIP MutualFundsSahiHai lumpsum Mutualfundsmyth

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How to save tax on home loan? – Home loan tax benefit

Monday, 26 February 2018

Investing Insights Tax Saving

So you have finally achieved your goal of owning a house after a prominent bank has funded your dream. Are you aware that buying a house loan actually has a lot of tax benefits? Under some sections like Section 80C and Section 24, a lot of tax reimbursement options are available which when leveraged correctly, can yield revenues for you. There are different ways for you to claim tax deduction: 1. ...

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Mutual Funds tax saving Home Loan principal

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Tax Saver (ELSS) Mutual Funds: Rollover to ripe max benefits

Friday, 23 February 2018

Who wouldn't love to earn money without investing any? Practically, the feat is impossible but it is possible to create a strategy for perpetual income with minimum investment. Although wealth generation depends on your risk factor, rolling over of funds has been proved to generate maximum benefits for investors. How do roll-overs work? In the world of investing, rollover refers to re-investing th...

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Tax Saving ELSS NAV Tax Saving Mutual Funds

396 Hits

Got an FD? Here's something you should know about TDS

Tuesday, 20 February 2018

Investing Insights Tax Saving

Investing in fixed deposit could be actually beneficial; still, overseeing some essential aspects could let you face certain loss due to TDS. Priya Sharma, one of my mother's friends and a retired private sector employee, went into deep shock when she got her bank account statement. It showed a 10% deduction of TDS (tax deducted at source) on her FD (Fixed Deposit interest income). Well, just like...

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mutual fund tax fixed deposit

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Planning to get married? Here's how to prepare financially

Friday, 16 February 2018

Marriage is not something about moving in with a new individual, but it's a huge transformation in both the people's lives that demands shouldering responsibilities for both families. The post- marriage challenges are definitely bound to grow; they might bring up more financial obstacles and will eventually test your capability of tackling them with ease. If you are planning to board on the train ...

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investment Marriage personal finance family finance

292 Hits

Investing in Mutual Fund? Which one to choose Growth, Dividend?

Tuesday, 13 February 2018