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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Gold or Gold ETF, which one should you buy?

goldetf_2
The relation between Indians and Gold is a long-standing one for thousands of years.Right from the early ages, people have bought and used gold ornaments. It has been a part of our religious and cultural aspect. It is also used as a status symbol and as a form of saving with more than 60% of the total gold in India stored in Indian households as gold jeweler. With the increase in the price of gold...
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Fixed Deposit vs. Fixed Maturity Plan

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  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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Growth Plans are more Tax efficient than Dividend Plans

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  Finance minister Arun Jaitley while unveiling the budget proposal for 2018-2019, came up with 10 percent Dividend Distribution Tax (DDT) on distributed income from equity oriented mutual funds. Additionally, as per the proposal, investors will have to pay 10 percent tax on long term capital gains (LTCG) from stock markets, exceeding Rs. 1 Lakh. This could possibly impact investor outlook as...
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Penny stocks – Good or bad for investment

pennystock
The term "Penny stock" originated in the US for stocks trading at a very low price, generally below $5 with low market capitalization. In the context of Indian stock market, the share price of penny stocks could usually be below Rupees 10. Penny stocks are assumed to have fluctuating share prices hence making them quite risky and unpredictable as far as investment in them is concerned. Most invest...
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Why is the current market situation best for investing in STP?

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  STP or Systematic Transfer Plan is similar to an SIP except for the fact that it involves transfer of money from one fund category to another on a regular basis. Usually, such a type of transfer takes place from a debt fund to an equity fund in installments in order to facilitate the averaging out of the overall purchase price. Recently, the domestic market has become riskier due to the wea...
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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?

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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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What is NAV and how much does it matter?

NAV
​ What is NAV? NAV stands for Net Asset Value of a mutual fund scheme which is precisely its book value or book price. In essence, it is the value per unit of a mutual fund scheme. The NAV is calculated as follows: NAV= (Assets - Liabilities)/Outstanding units Where, Assets include stocks, bonds, cash, accumulated interest as well as dividend held by the fund. The 'per unit' market value of all th...
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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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Consistent vs. Best performers?

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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?

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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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Journey of Rs. 70 to Rs. 70, 00,000

70-to-70lacs
  Investment in mutual funds could be encountered in numerous shapes and sizes. Certain options are the low risk investment ones such as the debt funds, while the others are equity based funds which turn out as riskier. Then you have the hybrid funds which offer a much balanced portfolio. So in case you are planning to invest within the boundaries of mutual funds, then there are various param...
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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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What every woman needs to learn about money management

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  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 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.