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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Got a hike/bonus: Should I pay loans/invest?

Hike or Bonus in Salary
So you have been awarded with a hike or bonus in your salary, Congratulations!. Now you are faced with a huge predicament: "Should I use the extra income to pay off your loans or save for your future?" You cannot miss out your loans at any cost and should meet your monthly minimums at least. But the question of loan or investment should arise only if your income exceeds your expenses and mini...
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How to make your home loan interest free

Save Interest Amount on your home loan_Mutual Funds
Even though the entire bank and financial industry is working to make EMI borrowing and interest paying better, wouldn't it be great if you could just save all your interest money that you pay as home loans? Is it actually possible? Yes, the best way to save your interest is by investing in Mutual Funds through Systematic Investment Plan (SIP).  Systematically, homes are bought on funding fro...
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How does the lock-in of tax saving ELSS funds work?

Tax Saving ELSS Funds Lockin
Tax saving ELSS mutual fund is one of the best ways to participate in investments. Among a plethora of available options, ELSS mutual funds are considered as the best tool to save taxes as it generated very higher returns than the other funds historically. However, there is a little detail that needs some addressing to do: The Lock in period . One of the benefits of ELSS mutual fund...
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Why and how to diversify mutual fund portfolio?

Don't put all your eggs in one baster. Mutual Funds diversify
 A sequence of abrupt falls in stock markets throws caution lights on the face of many investors, especially when they invested in similar or single scheme. That is when they recognise the virtues of diversified investment portfolio. Diversifying investments across various schemes reduces exposure to risks.It ensures that a collapse or economic dip of one component does not affect you dangero...
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Does 'copying' a portfolio work?

Copying a portfolio
Some investors are architects of their own portfolios while the rest prefer to the mimic the portfolios of successful investors. But riding on the copycat bandwagon can be dangerous, particularly if you are tailing an institutional investor's portfolio. Although the strategy is not without any accomplishments, the evidence about its success is quite diverse.A research paper from Cambridge Universi...
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Investing in Real Estate, Gold and Equities - A brief comparison

Real Estate Vs Gold Vs Equities
Investments help us to grow our money. But a wrong choice will end up harmful and expensive.Therefore it is important to weigh the pros and cons of various schemes before investing in them.Let's break down three of the popular investment and compare them – Equity, gold and real estate. Equities : The best advantage of investing in equities is that the capital can be as less as ₹500 in schemes like...
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Got your salary? Here's the first thing you should do!

Salary Savings Investment - Indoinvesting - mutualfundsahihai
Treating yourselves and your families are apparently the major things that you would love to do with your first salary, but, smart are those who think beyond the horizon and make a smart move. As your first job might pave the path for rest of your career, the way you utilize your first salary could definitely determine your potential financial stability and behavior. So, what would you do with you...
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5 Habits you need to follow to be a successful investor

Successful Investor - Indoinvesting
Successful investment strategies don't require you to be a graduate in Finance or Economics, but they actually demand a specific understanding of your goals, risk-taking ability and time management. Best investors are those who can decide what would be the best for them and have a clear knowledge of when, where are how the money should be invested. So, is there a specific guidebook that teaches us...
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Comparison of 8 tax-saving investments under Section 80C

80C Investment options Tax Saving
 Income tax can play a vital role in the development of country. They account for a vast portion of the government's income and also fund basic provisions to the citizens.Sometimes, these taxes can be rough on the finances of the taxpayer. Hence the government provides a way to save tax and one of them is Section 80c. According to Income Tax Act- 1961, when an individual earns more than ₹ 2,5...
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How are mutual funds taxed? What are long and short term capital gains?

How-are-mutual-funds-taxed
​As long as there is income, there is tax. Taxes can be minimized but not escaped. The Mutual funds returns are taxed under the head 'Income from Capital Gains.' Capital gains can be classified as long term or short term capital gains based on the investment holding period. Capital gains tax varies according to the holding period and type of mutual fund. Holding period is the period from the date ...
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Why tax saving Mutual Funds (ELSS) over other options?

Tax-Saving-Mutual-fund---ELSS
One of the best ways to invest is to participate in plans that generate tax-free returns. While there are many available options such as PPF, NSC, NPS and taxing-saving FDs, ELSS trumps as the best investing option.While it does involve market related risks, it also rewards the investors for extra risks. The objective of ELSS mutual funds is to provide tax benefit (up to ₹1.5 lakh) under...
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Why you shouldn't stop SIP?

SIP - Do not stop it
SIPs (Systematic Investment Plan) have always proved their consistency regarding substantial returns even in the fluctuating market conditions.Numbers of investors have deposited their funds in SIPs during the past few years. The statistics when compared, clearly state that in 2014, a total of 1,200 Cr was invested monthly in SIPs, however, today(By end of Nov, 2017) it has somewhat pumped up...
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9 Common myths on SIP busted

SIP-Myths-and-Facts
Systematic investment plan (SIP) is considerably the best way of investing in mutual funds, although, time and again, peoples' misconceived notions have slowed their wealth creation. Blocking these misunderstandings and getting your facts right, is an essential deal. So, here we go with the most prominent myths about SIP and the clarification to this would definitely alter your misunderstandings a...
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SIP - Systematic Investment Plan. What it is? How does it work?

SIP - Systematic Investment Plan - Mutual Fund Sahi hai
​Theoretically, timing the market plays the most crucial role. However, no one can ever tame the fluctuations that occur with time. While investors are busy timing the market conditions, they usually miss out valuable opportunities and can end up with loss. For those who do not wish to put their money to such a potentially risky strategy, TIME ** not timing ** could be the best alternative an...
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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.