Steffi is an Aeronautical Engineer, with expericene in creative and professional content writing. She loves to indulge in reading books, learning new languages during leisure time and has an interest towards personal finance.

Tax saving investments for salaried professionals

taxsaving
A lot of times, we do not realise that as salaried professionals, we could lose out a lot of benefits due to ignorance. We end up paying more tax to the government than what is necessary. Here are a few ways in which we can save our taxes and improve ourselves financially: 1) Section 80C If you are invested in schemes like ELSS mutual funds, Provident funds, premium life insurance, home loan princ...
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Fixed Deposit vs. Fixed Maturity Plan

fd-orfixedmaturity
  FDs are a great way to invest money for investors who want assured returns. FMPs are close ended debt mutual funds where returns are not assured as in FDs. Both the plans have a fixed tenure. FMPs are ideal if you are looking to park your money temporarily. In simpler terms, FMPs are the mutual fund alternative to FDs. FMPs are closed ended funds and so investors can invest only when the fu...
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Why should you transfer PF account while changing jobs?

Why should you transfer PF account while changing jobs?
​ The main reason why we should transfer money from the PF account when changing jobs is that if we don't, the money in the account may get taxable. According to the Indian laws, the money from a PF account is tax-exempt only if the employee has served at least 5 years under the same employer. In case the worker transfers his job in between, then he must transfer his PF account to his new employer...
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Why should you choose SWP over dividend scheme?

​ Systematic Withdrawal Plan is a scheme where investors can withdraw a fixed amount of money from their funds periodically. The investor can customize the cash flow according to his wishes. The frequency of withdrawal is chosen by the investor. This is favorable for retired individuals who can generate income periodically with low-risk funds. Benefits of choosing SWP over dividends: Taxation bene...
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What is the ideal tenure of an STP?

stp_2
Investors who invest from their regular incomes usually opt for SIPs. But lump-sum investors are often advised so that they invest their money in an STP before transferring it to an equity fund. This necessarily means parking your money temporarily in a short term fund or a liquid fund before transferring it to a mutual fund. But how long do you stay invested in an STP? The answer is quite confusi...
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“Mutual Funds are subject to market risk” – What is risk?

whatisrisk
We have all heard the statement "Mutual funds are subject to market risks" as a part of disclaimer. What are these risks? Risk is basically uncertainty. When you invest your time or money or energy into something even though it is uncertain, you are taking a risk. Among a plethora of asset classes like FDs, real estate etc. mutual funds and especially Equity mutual funds are considered as the risk...
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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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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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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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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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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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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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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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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.