Wednesday, 18 July 2018

Mutual Funds: An instrument for all category of investors


Some of the key benefits of mutual funds include simplicity, cost, diversification, and professional management. Let’s have a look on the benefits of mutual fund as an investment option.


No large investment compulsory
Mutual funds allow you to make an investment, even if you have a very small amount to invest. This advantage makes it more attractive among investors.

Investing in a variety of instruments
Investment can be done in various instruments and different asset classes. You can select equity or debt as investment option. Even a mix of equity and debt investment option is available.

Convenience
You can invest directly or through your financial advisor. You get regular information on the value of your investments and portfolios of the schemes. Getting advice from a financial advisor is a better way as he or she can suggest you where exactly to invest as per the market situation. Also your advisor will keep a track of your fund growth and

Professional Management
Mutual fund investments are managed by experienced and skilled professionals, who with the help of an investment research team, analyzes the performance & prospects of companies and selects suitable investments to achieve the objective of the scheme.

Easy access to your money
Except for the few close-ended and ELSS (Tax Saving) funds; there is easy liquidity available for your investments.



Sunday, 1 July 2018

Tax Saving or Better Returns !!!

How it sounds if both the goals can be achieved together !!!

Equity Linked Saving Schemes (ELSS) gives you the option of saving your taxes while getting the expected growth on your investments.

Tax benefit can be availed under section (u/s) 80C of the Indian Income Tax Act. There will be a lock in of your investments for 3 years but the returns you will get will make you invest more amount every year. However the maximum amount you can use for tax exemption is 1,50,000 every financial year.

You can invest through monthly mode i.e Systematic Investment Plan (SIP) or lump sum amount. It's completely as per your convenience.

As all these funds are investing in equity market so returns may vary and will depend completely upon market performance. Take suggestion from your financial adviser to select the best fund as per your profile. 

Here are few such ELSS funds with their past returns

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