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

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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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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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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 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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Why is the current market situation best for investing in STP?

current-situation-for-STP-3
STP or Systematic Transfer Plan is similar to an SIP (Systematic Investment Plan)  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 b...
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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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Terrible mistakes that can ruin your retirement corpus

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The key to joyous existence, post retirement is very much a possibility if your retirement plan is on point. This financial goal is far more important than it appears to be; all for glorious last few years of life. Who wants to spend these golden years penny pinching in uncertainty! There are many misconceptions which investors necessarily need to stay away from, in order to prevent their retireme...
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How to choose between Growth or Dividend reinvestment while investing in Arbitrage fund?

howto_Arbitrage-Fund
An arbitrage fund is a type of equity mutual fund that takes advantage of the difference in pricing between the cash markets and the futures or derivatives markets. This kind of fund capitalizes on market inadequacies in order to provide benefits to investors. It exploits market volatility to make it work in its favour so as to provide investors with relatively risk-free returns. Once the investor...
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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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Why large cap funds will always be flavour of investing?

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In the light of SEBI's recent mandate on re-categorization and classification of mutual fund schemes, floated in October 2017, this question is definitely worthy of being evaluated. The term "Market Cap" or "Market Capitalization" refers to the size of the company listed on stock exchanges. Market cap is one of the many factors playing an important role in strategizing stock market investments. Be...
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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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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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Should I opt for Monthly Income Plan?

monthly income plan
MIP is a hybrid mutual fund scheme. The reason being, it invests in both equity and debt securities. Majority of the corpus is traditionally invested in debt securities (around 70% – 80 %) such as debentures, corporate bonds, public securities etc. while the rest is invested in equity. The equity exposure is limited due to market volatility, although it can be used for optimizing profits when the ...
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Low risk, high returns investment?

lowrisk_highreturn
Investment has recently become a prime element on the ladder of a safe and secure future. Well, I cannot agree more. The significance seems to be rising every single day and it appears like a mammoth of a task to process so much that is available on the internet. With internet inundated with massive amount of information and plethora of guides pertaining to low risk, high return investment; unders...
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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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Digital loan against mutual funds (LAMF) - Should you opt?

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  Are you in the midst of financial distress? Are you pressed for time and in an urgent need for money? Do you mind liquidating your current investments? If the answers to these questions are a YES then redemption of your investments or availing a loan against them would be the best way to do away with the unexpected cash crunch. This is how it is generally done and this is how an investor wo...
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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.