Advertisements

Tag Archive: Mutual Funds


blogDid not thought of writing this post but the Diwali LIC incidence force me to share the thoughts where a neighbor uncle forced me to buy a LIC Unit Linked Insurance Policies (ULIPs)

ULIP as an investment avenue are closest to mutual funds in terms of their structure and functioning. As is the cases with mutual funds, investors in ULIPs are allotted units by the insurance company and a net asset value (NAV) is declared for the same on a daily basis.

Similarly ULIP investors have the option of investing across various schemes similar to the ones found in the mutual funds domain, i.e. diversified equity funds, balanced funds and debt funds to name a few. Generally speaking, ULIPs can be termed as mutual fund schemes with an insurance component. Continue reading

Advertisements

Mutual Funds are the best tools for long-term wealth creation. But, the challenge is to identify good and top fundinvestrimgperforming mutual funds that can help you in achieving your Financial Goals. There are hundreds of mutual fund schemes which are available in the market. Besides this, there are plethora of NFOs (New Fund Offers, new schemes) which keep hitting the market. Identifying good mutual fund for long-term investment is not an easy task.

Remember Wealth creation’ is a boring activity like Test cricket where a quick fifty or hundred may not always win you a game. You need the solidity and consistency of a Rahul Dravid or a Laxman more often than the flamboyance of a Kohali/Sehwag to be able to emerge victorious over the five days.

Here are some rules to be followed for the SIP  Continue reading

This is the post that I will try to put up in lay man language as most of my friends, relatives really wanted to blogunderstand why to invest or not to invest money under ELSS for section 80C.

So where all you can invest to save tax if you are salaried employee, Insurance, PPF, NSC, ULIP,

Well I will concentrate on the ELSS – Equity linked Savings Scheme

ELSS is a type of mutual fund, where majority of the corpus is invested equity and equity related products.  Investment in ELSS has lock in period of 3 years and it has tax benefits. ELSS are not at all risk free , there is no fixed return , ELSS are open-ended and investor can subscribe to fund on any given day.  Continue reading

#Fact: Insurance is not an investment: A good insurance policy is gold when it comes to risk protection.blog

It’s the time of the financial year when the deceleration done by the employee need to be submitted under section 80 C .This is also the time when maximum ULIP policies are sold, mis-sold  and resold .  Let’s explore the reasons

Unit Linked Insurance Policies (ULIPs) as an investment avenue are closest to mutual funds in terms of their structure and functioning. As is the case with mutual funds, investors in ULIPs is allotted units by the insurance company and a net asset value (NAV) is declared for the same on a daily basis.

Similarly ULIP investors have the option of investing across various schemes similar to the ones found in the mutual funds domain, i.e. diversified equity funds, balanced funds and debt funds to name a few. Generally speaking, ULIPs can be termed as mutual fund schemes with an insurance component. Continue reading

Mutual Funds are subject to market risk. Please read the offer document carefully before investing”. The very blogpurpose of this disclaimer is to meet the statutory requirements. Only very few people would have heard it when it is mentioned in the radio or television as it flashes by at lightning speed. In print media (Newspaper, Magazines) it is published in extremely small font. Only investors who know the statutory requirements would even be aware of the statement because the advertisements, with ‘namesake’ disclaimers, are hardly educative.

So, what is the mystery behind the ‘flash’ statement? The statement means that mutual fund scheme invests the money collected from investors in instruments which are subject to market risk. Every investor of a MF should read the offer document carefully before they invest their money with the fund house. Continue reading

%d bloggers like this: