Are dividend plans harmful to your wealth?

dividend plans
A lot of investors choose to invest in dividend plans as they promise a regular income through the dividends. Although regular payouts seem very attractive as opposed to growth plan, which doesn't offer regular income, dividends could end up harming your affluence. Take a peek to know how: Taxation: You pay taxes on your income gains from dividend more than the dividend amount itself. This is beca...
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What makes Debt Mutual Funds price go up or down?

debtmutualfundsupanddown
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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Math to keep insurance and investments separate

insurance vs investment mutual fund
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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How to select a right Equity mutual fund?

right equity mutual fund
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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How to select a right Debt Mutual Fund to achieve a goal?

rightdebtmutualfund
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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Is investing in balanced fund riskier?

Are balanced funds risky
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

woman_manage_money
  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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Investing: Starting big vs starting early

Starting Early vs Starting Big
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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What are closed ended funds? Should you invest in them?

closed ended funds
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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Is early retirement a realistic dream?

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

Has India's savings & investment habit change after DeMo?
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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What are arbitrage funds? Should you invest in them?

Arbitrage Mutual Funds
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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What is an NFO and should you invest in them?

NFO Mutual Funds
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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Avoid these top three investment mistakes in 2018

Mutual Fund Investment Mistakes 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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Markets at all-time high – Lump sum investment or SIP?

Nifty 11000 Volatile 2018 Lumpsum SIP Mutual Fund
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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How to save tax on home loan? – Home loan tax benefit

save-tax-home-loan
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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Tax Saver (ELSS) Mutual Funds: Rollover to ripe max benefits

ELSS Mutual Funds Rollover-to-ripe
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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Got an FD? Here's something you should know about TDS

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

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

mutualfund_option_Dividend_groth
My cousin (Ankit) recently decided to invest in mutual funds, he was baffled to see so many options available. There were about 40 mutual fund houses available and over 2000 fund schemes. Further to this, he had to choose between growth, dividend pay-out or reinvestment option. When you decide to invest in mutual funds, you are faced with a plethora of options. Each type of fund has its own a...
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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.