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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Why life insurance is NOT an investment

Insurance is NOT an Investment. Mutual Funds sahi hai
​ If you consider insurance an investment, you're not alone. We live in a world where every adult can swear to have received a "cold call" from an insurance agent at one point in their life or bombarded relative/family friend who is an insurance agent.  This is a characteristic side-effect of the competition in the insurance business, though there is nothing amiss with this. But in such a wor...
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Equity Mutual Funds or Direct Equity (Stocks): What is a better choice?

Equity-MF-vs-Stocks
Everyone of us dreams to be wealthy and constantly looks out for opportunities & avenues to grow money. Investing in Indian equity markets has delivered superior long term returns compared to other traditional options like Fixed Deposits, Recurring Deposits or Gold and better liquidity compared to real estate investments. Equity is inevitable for any kind of a long-term investment when you loo...
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6 Reasons why you should start investing right now

Start your investment right now.
If you've found your way here, chances are high that you've either got some money in your savings bank account and looking for right time & reason to invest. If you haven't started investing, I don't blame you! It's not something we are taught by our elders. We are just scared to make a mistake and lose a part of hard-earned money. We all procrastinate when it comes to investing, but I urge yo...
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Liquid Mutual Funds or Savings Bank Account? What is a better choice?

1003_Cover
Very recently I was traveling from Kolkata to Kochi. I had to hop in Bengaluru, to catch a different flight to Kochi. Fortunately I met a childhood friend who is working with an MNC in Bengaluru. I just realized that we are no more boys, but are men, when start of our discussion is with the role at our workplace, technologies & tools used at daily work etc.  Within 2 days, I got...
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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.