Liquid Funds Vs FDs, Which One You Should Go For?
What are Liquid Funds? A liquid fund is a type of mutual fund which invests primarily in money market instruments, like treasury bills, commercial papers, certificate of deposits, and term deposits. They allow investors to park their funds for a few days or months as they have maturities up to 91 days. Liquid funds can be made liquid at any time and earn returns for the...
Gold Mutual Fund vs Gold ETF
In India, buying gold is more of a tradition than just investing. It is considered as a symbol of prosperity and luck. This auspicious metal has given good returns over the long term. When you create your wealth portfolio, it is suggested to allocate atleast 10-15% to Gold investment. This is majorly because this yellow metal is used to hedge against inflation and is also negatively...
Consider 5 Factors while Lump-Sum Mutual Fund Investment
Though mutual funds are highly subject to market risks, despite it is one of the most lucrative investment avenues seen in the current market scenario. It can be seen that AMFI is highly promoting mutual fund investment through television commercials. When we talk about investment in mutual funds, the first & foremost thought that pops into our minds is SIP (Systematic Investment Plan)....
Disclosing LTCG from Stocks, Equity Mutual Funds.
Income Tax Returns (ITR) for individual taxpayers have to be filed by 31st Dec 2020. This means that it’s time to evaluate your finances and declare all sources of income, so your taxes can be filed correctly. While the process of filing your ITR has been one which has traditionally been riddled with complicated forms and procedures, the government has taken active measures in order to make...
Postal Recurring Deposits Vs. Mutual fund SIPs
Investment is a vast topic, there are many things to consider before investing anywhere. People still prefer going the traditional way, of investing in fixed deposits and recurring deposits. For them, it is the best and safest option to invest in. What they don’t consider is the tax rate. In fact, if you go to see the returns are much less after considering the tax. Recurring deposits are...
Know the Tax Treatment for Mutual Funds
Mutual Funds are one of the best investment avenues when it comes to creating wealth in the long term. In order to grow your wealth, your portfolio needs to beat inflation and mutual fund is an investment avenue which ensures that you beat inflation in the long term. It seems quite convenient for those who do not want to jump into the market directly. Since mutual funds are professionally...
Sukanya Samriddhi Yojana Or SIP? The Truth!
So the other day, I had a word with my friend Shaila over the phone, as she needed my help to make a financial decision and since I come from a finance background, she thought I would be the right person to ask. She wanted to know, where she should invest for her child Namrata’s further studies after graduation. She was going to start with a monthly SIP, in a mutual fund scheme, but later...
SEBI intervenes to restructure Multi Cap Funds
SEBI takes steps to protect the interest of investors, to promote the development and to regulate the securities market. Keeping this objective in mind, SEBI issued a circular revamping the asset allocation for Multicap funds. As per the new guidelines, multicap funds would have to invest atleast 75% of the total assets in equity investments. SEBI also mentioned minimum limits of sub...
4 Important Financial Ratios to check before Investing
Managing your personal finance and taking a right investment decision is very crucial to create long term wealth. Stock investing is important in order to grow your wealth to meet your goals. You can invest in stocks directly or through mutual funds. If you are not a risk averse investor, you may look at investing in the stock market directly. However, it requires careful analysis of...