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What Are Bonds? Bonds are fixed-income instruments issued by governments, corporations, or financial institutions to raise funds. When you invest in bonds, you essentially lend money to the issuer in exchange for periodic interest payments and the return of the principal at maturity. Bonds are considered a relatively stable investment compared to equities and can…
ELSS (Equity Linked Savings Scheme) Mutual funds are a type of mutual fund that primarily invests in equity and equity-related instruments (more than 80%) and also offers tax savings with the lowest lock-in period. Lock-in Period ELSS funds have a mandatory lock-in period of three years, which is the shortest among all tax-saving instruments under…
Mutual funds offer schemes for varied investment objectives and risk appetites and each category fulfills a unique role in an investor’s portfolio. Let us check the different types of mutual funds available. AMFI Fund categorization Earlier, mutual fund schemes were grouped as Equity, Debt, Hybrid, Solution Oriented,and Other Schemes. SEBI has issued a new circular…
If you are a person aware of recent developments in investment options, you must have heard about Alternative Investments Funds (AIFs) and REIT as an Alternative Investments. If not, this is the most simplified write-up that you can find to understand the asset class. Alternative Investments are about unconventional asset classes unlike stocks, bonds etc….
National Pension Scheme (NPS) is a voluntary and long-term investment cum pension plan launched by the Government of India. This scheme is regulated and administered by the Pension Fund Regulatory and Development Authority (PFRDA). This pension programme is open to employees from the public, private and even the unorganised sectors except those from the armed…
Sovereign Gold Bonds offer a unique blend of safety and growth potential for your investments. Sovereign Gold Bonds (SGB) are secure, profitable, and backed by the Government of India. It frees you from the hassles of keeping physical gold. Issued by the RBI (Reserve Bank of India), it is not only a safe option but…
A mutual fund redemption request is the request to withdraw units (amount) from your mutual fund investments. Things to consider while submitting a redemption request. Mostly financial needs and sometimes our sentiments (fear) owing to certain market situations drive the redemption request. There are some essential things to keep in mind while submitting a redemption…
A mutual fund is one of the preferred products to invest in the equity market for the possibility to earn substantial returns. Invest in mutual funds for probability of better returns from equity market. But mere investing in mutual funds does not really guarantee higher returns and the creation of wealth. As an investor, you…
Regular FDs as we know them are fixed deposits offered by Banks and in India, one of the preferred investment options because of being considered a risk-free investment option offering fixed (non-volatile) returns. However, banks are not the only institutions offering such fixed deposits. Many non-banking financial companies (NBFCs) (companies engaged in providing housing loans…
Public Provident Fund PPF is a guaranteed return savings scheme established by the Govt. of India with 15 years maturity period. People who are investing in PPF knows quite well that maximum permissible investment limit in PPF in a financial year is 1.5 Lakhs and that this amount invested is eligible for a tax benefit…
How to choose Debt Mutual Funds. Debt Mutual Funds are a set of schemes that generate income by investing primarily in fixed income instruments like govt and corporate bonds and other money market securities. These are not linked to the equity market and are considered less risky compared to Equity Mutual Funds. Syncing debt mutual…
Actions that might harm your investment plan, and delay achievement of your financial goals Procrastination It is the root of all evil. Deferring your savings, investment, and financial planning can be detrimental to your financial health. Instead, defer any lifestyle expense that might be pushing you to defer your investment. Start investing today and achieve your…
As an investor in equity, we expose ourselves to various media, to listen to and learn the ideas, the tools that talks about the past, present, and probable future of the market. But that doesn’t seem to work enough, as we struggle to gain the equity return that we expect to earn from the market….
Understand the opportunity for extra tax-saving with NPS. For both salaried and self-employed individuals, an additional deduction for investment up to Rs.50,000/- has been provided under section 80CCD(1B) of the Income Tax Act, 1961 which is over and above the ceiling of Rs.1,50,000/-.
NPS – National Pension Scheme or National Pension System is a Government of India initiative aimed to offer retirement benefits to its subscribers through a transparent platform in a cost effective way.
Open a new NPS account and get allotted a PRAN (Permanent Retirement Account Number) that remains with the subscriber throughout
Mutual funds or direct stocks? How to approach equity investing? Let us take a look at few factors that might help answer our question. Expertise and time When you invest in equity through mutual funds, you get the benefit of the fund manager’s expertise. That might possibly ensure that mutual funds hold good stocks with…
Ultra short term funds are a type of Mutual Fund in the debt funds category that invest in fixed rate and fixed income earning papers with a maturity of up-to 6 months.
These funds give you the opportunity or offer a possibility to earn higher returns compared to traditional FDs, savings account or liquid funds.