Mutual Funds
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Are Mutual Funds better than Fixed Deposits ?
We often come across the question, are mutual funds better than fixed deposits? The answer is a definitive yes. But it also depends on your investment horizon. If you are saving for the long term, mutual funds are definitely better than fixed deposits. The size of Fixed Deposits held by Commercial Banks in India is…
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Are Mutual Funds better than ULIPs ?
Are Mutual Funds better than ULIPs or should in continue to invest in ULIPs as suggested by my insurance agent, is the question which bothers many investors. Mutual Funds are definitely a better investment option as explained in this article. A ULIP (Unit Linked Insurance Plans) is an Insurance product which combines the benefits of…
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Market Watch
Note: this article was written in 2021 and reflects the specific market conditions, valuations, and allocation recommendations of that moment (post-pandemic liquidity, then-current Sensex/Nifty PE levels). It’s kept here as a historical snapshot of our thinking at the time rather than current market commentary, and the specific numbers and allocation percentages below should not be…
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Index Funds in India
Considering that Stock Market Indices are methodically calculated to reflect the best in each category, the following index funds can be considered from a 5-10 years perspective. These funds are available with several Asset Management Companies in India. Sensex FundNifty 50 Index FundNifty Next 50 Index Fund The allocation to Index Funds, Exchange Traded Funds…
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Equity Mutual Funds in Current Scenario
With Bank Fixed Deposits giving only 5%-6% returns per annum and Insurance schemes giving only 6%-8% returns per annum with long lock in periods, mutual funds are a great alternative to Bank Fixed Deposits and Insurance Schemes. Many good Equity based mutual funds have given over 12% per annum returns over the last five, ten…
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The Four Levels in Investing.
All of us are aware about investments in shares and mutual funds. We have also heard about investments in Private Equity firms and Venture Capital Firms. This articles segregates the investments in the above four investment options and how they differ from each other. There are some other types of funds such as Hedge Funds,…
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How to mitigate Investment Risk in Mutual Fund Investments.
Mutual Funds are one of the best investment tools for investors seeking long term wealth creation. However they are widely perceived as risky. So how to mitigate investment risk in mutual fund investments? Risk of investment in Mutual Funds can be minimized by following the simple rules stated below. It does not require you to…
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Benefits of Investing through SIP.
Over the last two decades Mutual Funds have proved to be one of the best investment instruments for all age groups and classes of investors. The Assets under management of Mutual Fund schemes have grown from a few thousand crores rupees in the 1990s to over 17 lakh crores today. The tremendous and ever increasing…
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Types of Mutual Funds.
A Mutual Fund is an investment instrument which pools the investments of several investors and invests the monies as per preset objectives. Every Mutual Fund scheme has a pre-defined objective to achieve one or more goals. The funds of the scheme are invested to achieve these goals. This article tries to elaborate on the various…
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Mutual Funds.
A Mutual Fund is an Investment instrument which pools the savings of Investors and invests it in Equity Shares and Debt Instruments. The Equity shares are of companies listed on a Stock Exchange. The Debt Instruments include Bonds issued by Government of India, State and Local Government bodies, Public sector companies as well as the…