Decoding Mutual Fund Taxes: All You Need to Know

Thinking about diving into the world of mutual funds? Awesome choice! But, before you jump in, let’s talk about taxes. Understanding mutual fund taxation helps you gain more from mutual fund investments by choosing the right funds and optimising your investments and withdrawals. Let’s break it down in simple terms. There are a few key things that decide how much tax you’ll owe on your mutual fund gains. Types of Funds: Different mutual funds have different tax rules. Whether it’s an Equity Mutual Fund, Debt Mutual Fund, or a Hybrid Mutual Fund, each has its own set of tax guidelines. …

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The Myth About Mutual Fund NAV

Investing in mutual funds can be a confusing journey, especially for those new to the world of finance. Among the myriad of terms and concepts you’ll encounter, one that often confuses many investors is the Net Asset Value, or NAV, of a mutual fund. It’s a number that seems to carry a lot of weight, but is it really as important as it appears? Understanding the NAV Misconception The Net Asset Value, NAV, is the per-unit market value of a mutual fund. NAV is derived by summing up the market value of all the securities held within the fund’s portfolio, …

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Investment Tips For Young Adults (Do’s & Don’ts)

Investment Tips For Young Adults (Do’s & Don’ts)

Time is the biggest asset to an investor. The longer the investment horizon a person gets, the bigger corpus he or she can build. This is why we always suggest young adults start investing as early as possible – irrespective of the investment amount. With this premise in mind, let us use this space to provide some practical and feasible investment tips for young adults. Investment Tips For Young Investors – The Do’s When it comes to investing in your 20s, there are some best practices that you should follow. Remember, we don’t know you. Use these tips, but tweak …

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Decoding Regular Income from Mutual Funds: SWP vs. Dividend Option

Decoding Regular Income from Mutual Funds: SWP vs. Dividend Option

Imagine you’ve retired, and you’re looking to make your savings work for you. You’ve heard about mutual funds, which offer two ways to generate regular income: one’s called the ‘dividend’ option, and the other is the systematic withdrawal plan (SWP). With the dividend option (IDCW), it’s like getting a slice of the mutual fund’s profits as a payment. On the other hand, SWP lets you choose a specific amount of money you want to take out regularly from the fund you’ve already invested in. Much confusion surrounds these options as to which one is the best way to generate regular …

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4 Practices of Successful Mutual Fund Investors (The Last Point Is Important)

A Mutual Fund is a collective investment vehicle. It is a pool of investors’ money invested according to pre-specified investment objectives. Mutual Funds have a range of schemes that cater to the varying needs and preferences of investors according to their risk-taking ability and investment goal. How big the investment should grow will depend on the purpose (goal) it has to serve. If we can define our future needs, even approximately, we know how much we need to save and invest the savings to grow over time. We have to tune our investments to where we want to go, how …

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Life Insurance / ULIP vs. SIP: Making Informed Financial Choices

Life Insurance / ULIP vs. SIP: Making Informed Financial Choices

When it comes to securing our financial future, there are many investment options that come into play. One common dilemma investors face is whether they should continue their existing insurance policies or stop existing policies to start a much more popular option – a Mutual Fund SIP. Comparing Apples To Oranges? Life Insurance and SIP are two financial instruments that serve distinct purposes, yet many individuals find themselves at a crossroads, wondering which is better for their long-term financial goals. In this blog, we will explore the differences between Life Insurance and SIP, shed light on their respective pros and …

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What Is the Average Return on Mutual Funds in India?

What Is the Average Return on Mutual Funds in India?

We all talk about Mutual funds being “sahi” or correct. But how do you quantify the effectiveness of mutual funds? Of course, by calculating the returns generated by mutual funds in India. So, in this blog post, we will explore the average returns generated by Mutual Funds in India. However, as you know, there are many different kinds of Mutual Funds – from equity to debt to hybrid. Even equity funds can be further segregated in terms of index funds, multi-cap funds, flexi-cap funds, thematic funds, sectoral funds, etc. In this blog post, we will explore the average returns of …

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Best Investment Options For a Salaried Person

Best Investment Options For a Salaried Person

Are you looking to secure your financial future and achieve your long-term goals? Saving money every month is a wise financial practice that can pave the way for a prosperous future. Whether you’re planning for retirement, an emergency fund, your child’s education, or any other financial milestone, knowing the means to save money effectively is crucial. If you are a salaried person – enjoying stable cash flow every month, you must invest a portion of that amount. But where should you invest? In this blog post, we’ll explore 6 effective investment options for a salaried person in India. Mutual Funds …

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PPF Vs Mutual Funds SIP

SIP VS PPF Returns

SIP (Systematic Investment Plan) and PPF (Public Provident Fund) are both very common financial instruments in India that serve different purposes and accommodate different investment needs. While talking about SIP vs PPF returns, it is important to keep the risk appetite, the time frame and the goals of investors in mind. Here’s a comparison of SIP and PPF and why both are important and should not be ignored: SIP (Systematic Investment Plan): SIP is a mode of investing  in mutual funds where one can invest a fixed (pre-determined) amount regularly (monthly) over a period of time. Through SIP an individual …

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Decoding Investment Options: Flexi-Cap Funds or Multi-Cap Funds?

With an abundance of investment options available, it’s essential to understand the nuances of different strategies and select the approach that aligns with your financial goals. Both Flexi Cap and Multi-Cap funds offer distinct advantages. In this article, we unravel the mysteries surrounding these investment styles, dissect their characteristics, and provide insights to empower you in making wise choices. So, let’s dive in and discover the perfect investment strategy that will lead you toward financial success. When it comes to investment decisions, you should tailor them according to your own risk appetite. Your unique financial goals play a crucial role …

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