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has the shortest lock-in period among other Tax Saving Investment Options of 3 years, post which the amount may be withdrawn.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…

Foreign Account Tax Compliance Act (FATCA): All You Need To Know

Saturday, May 6th, 2017 Amritesh no responses

Foreign Account Tax Compliance Act (FATCA) has been made mandatory for the Investors and Bank holders alike from 1st May 2017 in India. FATCA is an anti tax evasion agreement signed between United States and India which is effective from 31st August 2015. FACTA regulation is aimed at curbing tax evasion practices and bringing uniformity in Global Tax compliance. India had entered into an agreement with the United States for implementation of FATCA with effect from 31st August 2015. Bank Account holders as well as Mutual Fund investors need to comply with the regulation and have to submit the FATCA Declaration form to their respective Bank Branch and Financial investment intermediaries. How does FATCA Impact? FATCA facilitates automatic exchange of…

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…

Systematic Investment Plan (SIP)

Sunday, April 23rd, 2017 Amritesh 6 responses

Systematic Investment Plan (SIP) is an intelligent way to plan your investments in mutual funds in order to minimize risk and maximize your returns. SIP allows Individuals to make periodic investments at their convenience (i.e Weekly, Monthly, Quarterly). SIP enables regular contribution to the fund at specified intervals. Thus the savings may be translated into investments which leads to maximization of one's wealth. Individuals may start with a minimum investment of Rs 500/-. Thereby, relieving individuals of the burden of making lump sum investment. Individuals may invest in SIP directly or via Demat account as per their choice, one may also invest through their respective Bank (Savings Account Holders) post completion of mandatory KYC formalities. Read about different types of Mutual Fund Investment in the link provided below. …

Sector Mutual Funds: Top Performers

Thursday, April 7th, 2016 Amritesh 3 responses

  Sector Funds is a type of mutual funds wherein the investment is concentrated in specific sector. As I have discussed previously, Sector Fund involves more risk when compared to Equity Mutual Fund as diversification of fund is restricted. Sector Fund is a decent investment option provided you have fair knowledge about the stock market and performance of sector specific funds. Sector Fund is meant for aggressive investors who are willing to take additional risk and are unperturbed by volatility of fund. Click to Read More About Sector Funds: An Insight   Factors in favor of Sector Mutual Funds: Sector Fund may be a good investment option when the equity market is under performing, however some of the sectors are…

Sector Mutual Funds: An Insight

Tuesday, March 29th, 2016 Amritesh no responses

Sector Funds is mutual funds scheme which invests in securities of companies operating in specific sectors and thus are known as Sector Funds. The fund is diversified into specific sector and its close substitutes or alternatives. The objective of the fund is to reap benefits out of potential growth in specified industry. Sector Funds are impacted more by performance of the concerned sector rather than the overall market sentiments. For instance, Banking Sector Funds will comprise of investments in Banking Stocks, while IT fund will comprise of investment in IT and Technology related entities. Click to Read More About the Top Performing Sector Mutual Funds   Important Aspects of Sector Funds:- Sector Funds offer minimal diversification of funds and is primarily concentrated…

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…

Mutual Funds: Reasons To Invest

Sunday, November 16th, 2014 Amritesh one response

Mutual Fund is a Collective Investment tool where investments are pooled in from the investors and invested in Stocks, Bonds, Commodities, Money Market Instruments, etc. The funds are professionally managed by Fund Managers who try to ensure that pool of funds are invested wisely to provide good returns in the long run. Mutual Funds are monitored and governed by respective authority in various countries like Securities and Exchange Commission (SEC) in United States, Securities Exchange Board of India (SEBI) in India and etc’s. Investors too should keep in mind that mere investment in Mutual Fund does not guarantee high returns from the first day itself. Like Equities, Mutual Funds too will react to fluctuations in the Capital Market.    To know more about…
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