SIP By SIP, Plan for a Secure Future!!!

Tuesday, July 17th, 2018 Amritesh no responses

Ever imagined that securing one’s future could be as easy as taking a “SIP” of Coffee? Sounds weird!!! Well, I’m going to explain as to how one can easily secure his/her future just by being financially disciplined. In my previous post I have already expressed the need to “Plan Your Investment”, in this post I will discuss the possible ways to achieve your Financial Goals with small investments. Attainment of Financial Goals does not necessarily require lump sum investments. The same may be achieved with the combination of smart planning, financial discipline and defined objectives. How SIP helps in “Planning Your Investment”? As all of you are aware, Mutual Fund is fast emerging as the preferred choice of investment among…

Investment in Mutual Funds: All You Need To Know

Thursday, June 28th, 2018 Amritesh 2 responses

Mutual Fund is emerging as the preferred choice of investment among investors. Moreover, since the interest rate in Small Savings Schemes is dropping, Individuals are turning to Mutual Funds. In my opinion too, Investment in mutual fund is one of the effective ways to manage your funds and ensure that one is able to meet his/her future financial obligations. Individuals with minimum or no knowledge about the Capital market may also invest in Mutual Funds and enjoy the benefits of high returns. Even though, investment mutual is prone to market fluctuations, but in the long term the returns are higher as compared to Endowment Insurance Plans or the Fixed Return Instruments. Mutual Fund industry began in India in 1963 with the…

Plan Your Investment: Be Wise, Choose Wise!!!

Tuesday, June 26th, 2018 Amritesh 3 responses

“Investment”, if you go by the meaning of the word, it simply implies the “the act or process of investing money for profit”, it is simple isn’t it??? Well with respect to personal finance, the honest answer is a “Yes” and a “No”, the same will be explained as I continue further. Just at the end of the year 2015, Standard and Poor’s Financial Services released the findings of the Global Financial Literacy Survey, according to the report close to 76% of the Indian adults do not properly relate to the key financial concepts. It is very important to understand the term “Investment” in real term. Individuals without any “Financial Plan” may think this post is not for them but…

Types Of Mutual Funds: Plan Your Investment

Wednesday, February 28th, 2018 Amritesh 6 responses

Mutual Fund is considered to be an ideal investment instrument for individuals/retail investors. The professional management of fund along with proven past record does instill confidence in the fund. However, Mutual Funds are subject to market risk and fluctuations. To overcome the fluctuations and mitigate the associated risk, Mutual Funds allow investment in diversified asset classes. There are various types of Mutual Funds for prospective investors. Based on the future financial goals and tenure of investment, Individuals may consider following types of mutual funds for Investment. These different types of mutual funds offer investment for short and long term with fixed or market linked returns. All About Mutual Funds  Types of Mutual Funds Equity/Growth Funds The accumulated wealth from the investors…

Mutual Fund: All You Need To Know

Saturday, February 24th, 2018 Amritesh no responses

Mutual Fund is gaining popularity among young investors as it promises higher returns as compared to conventional Investment schemes. Furthermore, the mode of investment in Mutual Funds has been simplified in the last few years. Individuals interested in Mutual Funds may initiate the process online, simply by registering themselves with any of the Mutual Fund intermediary in order to start investing. Types of Mutual Fund Investment: Detailed View Investment in Mutual Funds is a low risk investment when compared to investment in Equity Stocks as the Capital Market is prone to fluctuations and downturns. Diversification of Funds in Mutual Funds allows mitigation of risk, as the fund is invested in several asset categories and securities. Thereby, reduces risk due to…

Mutual Fund Investment: Difference between Direct and Regular Plan

Wednesday, January 31st, 2018 Amritesh 2 responses

Mutual Fund is diversified pool of funds collected from investors which is professionally managed by Fund Managers. The fund pooled by the Fund Managers is invested in purchasing securities. The fund is invested in multiple securities, Investors are expected to benefit from the diversification as the risk is mitigated and strengthens the prospect of better returns. Since the Fund is professionally managed by Portfolio Managers, the investors are saved from the hassle of managing the Fund. However, Investors may easily track the performance of fund periodically. Mutual Fund and Types Mutual Funds: Reasons To Invest Equity Linked Savings Scheme (ELSS) Mutual Fund is open ended diversified equity fund. Investment in ELSS mutual fund qualifies for Tax Exemption under section (u/s)…

Best Performing ELSS Mutual Funds for Investment in 2018-19

Tuesday, January 9th, 2018 Amritesh one response

Equity Linked Savings Scheme (ELSS) is Tax Saving Mutual Fund Investment Scheme. The investment in the scheme is eligible for Income Tax Deduction U/S 80C up to the maximum limit of Rs 1,50,000/-. However, the maximum limit is inclusive of other investment schemes eligible for deduction under Section 80C. ELSS has the shortest lock in period of 3 years among other tax saving investment plans. The returns on the ELSS are market linked which is moderately volatile, but investment over long period is considered safe. ELSS has potential to earn higher returns when compared to fixed return instruments. Furthermore, In Fixed Income Schemes returns are restricted which may not be sufficient to counter the inflationary trend. Thus ELSS provides the…

One Stop Solution to Manage Your Investment: ARQ Investment Advisory Engine

Thursday, August 31st, 2017 Amritesh no responses

A recent study showed that major portion of the young population is pretty confused when it comes to Personal Finance and matters pertaining to Investment. Individuals need to be prudent when it comes to investment because it is their hard earned money which is being invested with the expectation of maximizing their wealth. The availability of numerous financial products often confuse the Investors even more. However, the advent of technology has simplified the art of investing. I strongly believe that technology has a huge role to play in the Financial World and it is steadily making it presence felt. Technology has ensured seamless Financial transaction across globe but has also brought about great deal of transparency in the Financial dealings.…

Direct Equity or Equity Mutual Fund: Comparison

Saturday, August 5th, 2017 Amritesh 3 responses

Investment decisions at times can be very confusing and cumbersome. In current market you have plethora of financial products to chose from which makes the task even more tedious. However, Each Financial Product is designed to meet specific needs and one should understand their purpose before deciding to invest. Pure Investment product is something which should be considered by Individuals as it offers better returns when compared to other Investment Instruments. In this post discussion is on, whether to invest in Direct Equity or Equity Mutual Funds. Direct Equity or Equity Mutual Funds are stock market oriented investment options. Direct Equity Investment is a viable option only for Individuals who have good knowledge about the Stock Market and can afford to…

Top ELSS Mutual Funds for the Financial Year 2017-18

Monday, May 8th, 2017 Amritesh no responses

Equity Linked Savings Scheme (ELSS) is a tax saving mutual fund investment scheme which allows the investor to earn better returns on the investment. The investment has the shortest lock-in period among other Tax Saving Investment Options of 3 years, post which the amount may be withdrawn. Equity Linked Savings Scheme (ELSS) do carry moderate risk as the performance is market linked and the return on investment is not assured. However, if we look at the performance history of the Mutual Funds, we may safely say that investment in ELSS yields decent return provided one is patient and willing to wait little longer than the lock-in period. If the market is performing well then within 3 years the investment is…
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