Mutual Funds
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Asset allocation strategy for middle class investors
Asset allocation plays a vital role in the overall returns generated by a portfolio of investments. It is my opinion that middle class investors should opt for mutual funds and ETFs over stocks and derivative instruments. Mutual Funds offer diversification of the portfolio and professional management of the portfolio which cannot be achieved otherwise without…
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Fixed Deposits and Life Insurance
A majority of Indians still consider Fixed Deposits and Life Insurance as good investment products. Why is this the case? Investments in Fixed Deposits and Life Insurance amount to double or even treble of the amount invested by Indians in Mutual Funds. This is completely absurd. Does the average Indian not understand the concept of…
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Mutual Funds or Direct Equity Investments?
Many new investors are confused whether they should choose Mutual Funds or Direct Equity Investments? We will have a look at some of the factors which make Mutual Funds a wiser choice of small investors. Direct Equity Investments is a challenging task because of the following reasons: Selection of equity shares is an arduous task…
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So where is the Stock Market headed?
After the initial crash of global stock markets at the beginning of the pandemic, stock markets have seen a sustained rise globally. The Indian stock market especially has surpassed all expectations and seen the bull run of a lifetime. So what are the reasons for this sustained rally in the Indian stock market and where…
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How to make the most out of your mutual fund investments?
So, you have been investing for a while and you even managed to choose your own mutual funds. But what next? Are you getting the returns that you expected in the first place? Are you happy with the Investments you have made? If the answer to these questions is no, you need to revisit your…
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Good Mutual Fund Schemes To Consider
The following is a list of Equity based Mutual Fund Schemes which one should consider while Investing currently. The Schemes have been shortlisted in each category based on their Sharpe Ratio, Beta and Standard Deviation. The returns given by the schemes in the last five and ten years has also been considered. Mutual Fund Investments…
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How to choose Mutual Fund Schemes?
The first step in the Financial Planning process is to decide your goals and review the resources available to achieve the goals. It is also essential to take into consideration the investor’s age, income and risk appetite. Also a realistic expectation must be set with regards to the returns that are expected from the Investments.…
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Mutual Fund Taxation
Updated for FY 2026-27 rules. Tax law changes periodically, so please verify current rates with a tax professional before filing. Taxation with regards to Mutual Funds is segregated as Short-Term Capital Gains Tax and Long-Term Capital Gains Tax. Capital Gain refers to the difference between selling price and purchase price of Mutual Fund units. The…
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Portfolio Management Services
Portfolio Management Services or PMS are offered by many Wealth Management firms to cater to the needs of High Networth Individuals. A PMS is like a Mutual Fund, but the minimum investment amount is Rs.25 lacs as prescribed by SEBI regulations. PMS are of two types, discretionary and non- discretionary. In a discretionary PMS the…
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Are Mutual Funds better than Insurance Policies?
Are mutual funds better than Insurance policies or should I continue to invest in insurance as it offer more safety of principal, is the question that bothers many investors. Many types of Insurance policies do assure you some safety of principal and assured returns, but their benefits pale when you look at the disadvantages of…