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…

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…

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…

Equity Linked Saving Scheme (ELSS): Reasons to Invest

Wednesday, May 3rd, 2017 Amritesh no responses

Equity Linked Saving Scheme (ELSS) is an open ended Mutual Fund Scheme and allocation of fund is largely made into equities and some portion in debt securities to make the investment more viable and reduce the risk. Since the investment is mostly in Equity Market one has to be careful with the investment.   You can read more about ELSS Mutual Funds in the link provided below:-   Equity Linked Saving Scheme (ELSS) In this post I will discuss about the Reasons to Invest in the Scheme:-   Short Lock In Period: As compared to other Investment Schemes like Public Provident Fund and National Saving Certificate, ELSS has a relatively shorter lock in period of 3 years. Thereby making it…

Equity Linked Saving Scheme (ELSS): An Investment cum Tax Saving Scheme

Sunday, April 30th, 2017 Amritesh 2 responses

Equity Linked Saving Scheme (ELSS) is equity oriented Mutual Fund scheme in which allocation is primarily made in to Equity market. In some of the Schemes partial allocation is also invested in debt instruments to provide more balance to the Fund. However since majority of the investment is allocated in equity it is highly volatile in nature and returns are dependent on the market performance. Thus the prices of the units keep fluctuating with the shifts in the Equity market. Although diversification of funds in equities across sectors reduces the risk. It is an open ended fund and can be subscribed at any point of time. The Funds have their Net Asset Value (NAV) which changes according to the market scenario and Investment…

Top Equity Linked Savings Schemes (ELSS): To Invest In 2016

Sunday, February 28th, 2016 Amritesh no responses

Equity Linked Savings Schemes (ELSS) mutual funds is one of the best investment cum tax saving option available to the Individuals, who are looking at tax saving investment schemes. Previously, I have discussed about  the Features and Benefits of Investing in ELSS, the links to the post is provided below:-   Equity Linked Saving Scheme (ELSS): An Investment cum Tax Saving Scheme   Reasons To Invest In ELSS: Features and Benefits   In this post I will discuss about the Top ELSS plans one may consider for Tax Saving as well as Investment. ELSS plan is a viable investment cum tax saving option in the current scenario as the markets have been underperforming for quite some time now. This means you…
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