Category Archives: Mutual Fund

19 Oct

Have you measured These 3 Factors for Inflation?

Inflation – we all are conscious of. If not, then come around up. Alter in price of goods, supplies and services that we put away are known as inflation. To determine inflation rate there are two indices – Wholesale Price Index (WPI) and Consumer Price Index (CPI). We as retail consumer should be concerned only about CPI.

Average inflation (CPI) in India in last 10 years stands at around 8%. This evidently means that if our money earns a smaller interest than 8% (post tax) then real return on our investment is negative. That once more means that we are not still defensive the purchase power of money, creating wealth is a far-away dream then.

But the genuine danger is that we strength have not yet unspoken the result of price rises correctly. Why am I saying this? 3 reasons are following this:

The price add to that we knowledge when we pay money for goods from area grocery stores or when we disburse school fees of our children or when we confess our parents in near nursing homes – is way higher than what the govt. released CPI says.

The set of goods, supplies that we purchase nowadays are not leaving to stay same forever. We all seek for better brands or better qualities of goods as years go by. This means even if inflation rate is not increasing our expenses are still going to reach new highs at every passing year. A family which used to buy Lux last year is using Dove now. And next year – you estimate.

While same put of goods will watch an alter in brand or quality, new set of goods and services will also turn out to be part of our life. Few years back data charges or rental for Wi-Fi service was not in our monthly list of expenses, but now it is. You may buy a car sooner if you have not bought yet. That will once more push up your usual monthly expenses.

20 Sep

Why should you invest?

Why should you invest? The answer is very simple: to make wealth. And why would you desire to create wealth?

Well, to finance a variety of financial goal you may have in your life like an expensive TV, foreign holiday, retirement, and so on.

The problem is that most of us have a lone source of income and there are a range of needs that are instant, medium term and long term. If we go from one objective to the other with our accumulate savings, we would be left with almost not anything for our long-term goals. That is why it is important to not just keep cash in the savings bank, but use it to make savings that will help you generate wealth over a long time of time.

23 Jul

The Advantages of Mutual Funds

When we are making an consideration for the investment opportunities, the first and the foremost challenge is that almost every investor faces is an excess of options. From stocks, bonds, shares and to the right combination of two or more of these, though every option which presents its own set of challenges and benefits.

Why should investors consider mutual funds over others to achieve their investment goals?

Mutual Funds allow the investors to group in their money for a diversified selection of securities, which are managed by the professional fund manager.

Mutual Fund Benefits:

Beat the Inflation
Mutual Funds help the investors generate the better inflation-adjusted returns, without expenditure a lot of time and energy on it. While most of the people consider letting their savings ‘grow’ in a bank, they don’t consider that the inflation may be nibbling away its value.
Mutual Funds provide an ideal investment option to put your savings on a long-term inflation-adjusted growth so that the purchasing power of your hard-earned money does not plunge over the years.

Low Cost
Almost certainly the one of the biggest advantage for any investor is the low cost of investment that the mutual funds offer, as compared to the investing directly in the capital markets. Most of the stock options require significant capital, which may not be possible for young investors who are just in the preliminary absent.

Mutual Funds, on the other hand, are moderately less expensive. The advantage of the scale in brokerage and the fees translates to the lower costs for investors. Once can start with as low as Rs. 500 as major capital, which may not be possible for the young investors who are just starting out.

Liquidity
Investors have the advantage of getting their money back on time, in the case of open-ended schemes based on the Net Asset Value (NAV) at that time. In case your investment is close-ended, it can be traded in the stock exchange, as obtainable by some scheme.

Higher Return Potential
Based on average or long-term investment, mutual funds contain the possible to make a higher return, as you can spend on a varied variety of sectors and industries.

05 Jul

Benefits of Investing in Mutual Fund

A mutual fund is an investment vehicle that is made up of a group of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. We offer a wide bouquet of investment options – equity schemes, fixed income schemes, money market schemes, hybrid schemes, ETFs etc. which you can choose as per your needs.

Investing in a mutual fund can be a lot easier than buying and selling individual stocks and bonds on your own. Investors can sell their shares when they want. Mutual Fund Bonds usually pay constant dividends that take in interest payments on the fund’s basic securities plus periodically realized capital appreciation.

Mutual Fund Benefits:

Advanced Portfolio Management

You pay a management fee as part of your expense ratio, which is used to hire a professional portfolio manager who buys and sells stocks, bonds, etc. This is a relatively small price to pay for help in the management of an investment portfolio.

Dividend Reinvestment

As dividends and another interest income are declared for the fund, it can be used to purchase additional shares in the mutual fund, thus helping your investment grow.

Risk Reduction (Safety)

A reduced portfolio risk is achieved through the use of diversification, as most mutual funds will invest in anywhere from 50 to 200 different securities – depending on their focus.

Convenience and Fair Pricing

Mutual funds are frequent and simple to buy. They typically have low minimum investments and they are trade only one time per day at the closing net asset value (NAV). This eliminates price fluctuation all through the day and various arbitrage opportunities that day traders practice.

16 Jun

Benefits of Mutual Fund

A mutual fund is an investment vehicle that is made up of a group of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. We offer a wide bunch of investment options – equity schemes, fixed income schemes, money market schemes, hybrid schemes, ETFs etc. which you can choose as per your needs.

Benefits of Mutual Fund:

Ease of Investing
You may open or add to the account and perform transactions or business with the mutual fund by mail, telephone or bank wire. You can even place for automatic monthly investments by authorizing electronic fund transfers from the checking account in any amount and on the date you choose.
Total Liquidity, Easy Withdrawal
You can simply trade in the shares anytime you require cash by letter, telephone, bank wire or check all depends on the funds. The proceeds are usually accessible within a day or two.
Life Cycle Planning
With no-load mutual funds, we can link the investment plans to future plans to future individual and family needs, create changes as with the life cycle changes. You can spend in growth funds for future college tuition needs, then to move to the income mutual funds for retirement, and also to adjust the investments as per the needs change throughout the life. There is no commission to disburse when you want to transform the investments.

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