#Dividends and Mutual Funds in India

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[moneyvesta]

9 Reasons Why Mutual Funds are the go-to choice of Middle-Class Investors

For a long time, growing wealth through investments was seen as an exclusive domain for the affluent. The common perception was that you needed deep pockets and expert knowledge to navigate the complex world of stocks and securities. However, times have changed, and mutual funds have emerged as a game-changer, making investment accessible to the working middle class. Let's explore why mutual funds are rapidly becoming the first choice for middle-class investors.

Affordable Entry Point

One of the biggest barriers to investment for the middle class has been the high initial capital required. Mutual funds have shattered this myth by offering an affordable entry point. Through Systematic Investment Plans (SIPs), you can start investing with as little as ₹100 per month. This low barrier to entry makes it possible for anyone with a modest income to get started on their investment journey.

Simplified Investment Process

Investing in individual stocks or bonds requires extensive research, analysis, and a deep understanding of market dynamics. For the average working professional juggling multiple responsibilities, this can be an overwhelming task. Mutual funds simplify the investment process by employing a team of experienced fund managers who handle the research, stock selection, and portfolio management on your behalf.

Professional Management

The fund managers at mutual fund houses are financial experts with years of experience and specialized knowledge in investment strategies. They continuously monitor market trends, analyze company performance, and make informed decisions to maximize returns for investors. By entrusting your money to these professionals, you can rest assured that your investments are in capable hands.

Diversification Made Easy

One of the fundamental principles of investing is diversification – spreading your investments across different asset classes, sectors, and geographies to mitigate risk. For individual investors, achieving true diversification can be challenging and expensive. Mutual funds, on the other hand, offer a diversified portfolio within a single investment, making it easier and more cost-effective to mitigate risk.

Regulated and Transparent

Mutual funds in India are regulated by the Securities and Exchange Board of India (SEBI), which ensures that they adhere to strict guidelines and maintain transparency in their operations. Investors can access detailed information about the fund's performance, holdings, and expenses, enabling them to make informed decisions and track their investments effectively.

Tax Benefits

Investing in mutual funds can also provide valuable tax benefits. If you hold your investments for more than a year, the gains are taxed at a lower rate compared to short-term capital gains. Additionally, some mutual funds offer Dividend Reinvestment Plans (DRIPs), which automatically reinvest your dividends, compounding your gains and potentially reducing your overall tax liability.

Flexibility and Adaptability

Life is full of changes, and your financial goals may evolve. Mutual funds offer the flexibility to adapt to your changing needs. If your goals or risk appetite shifts, you can easily switch between different types of mutual funds within the same fund house, ensuring that your investments remain aligned with your objectives.

Building a Diverse Portfolio

Mutual funds offer a wide range of options, catering to different investment objectives and risk profiles. Whether you're looking for aggressive growth, stable income, or a balanced approach, there's a mutual fund that can meet your needs. By combining different types of mutual funds, you can build a well-rounded and diverse portfolio tailored to your unique financial goals.

Expert Guidance from MoneyVesta

While mutual funds have made investing more accessible, navigating the world of investments can still be daunting for those new to the process. That's where MoneyVesta comes in – a trusted platform offering expert guidance and personalized financial planning services.

How can we help you? MoneyVesta is offering a free consultation with its certified financial planners to help you understand mutual funds better and develop a tailored investment strategy. Their experienced professionals will take the time to understand your financial goals, risk tolerance, and investment horizon, and provide recommendations on the most suitable mutual funds for your portfolio.

Don't miss this opportunity to kickstart your investment journey with confidence. Book your free call with MoneyVesta's financial planners today and unlock the potential of mutual funds to achieve your dreams of financial security.

https://www.moneyvesta.com/

[myrupia-blog]

A Comprehensive 7-Step Manual on How to Open Demat Account

Before learning the steps on how to open Demat Account, let us first know what a Demat Account is.

A Demat Account, or Dematerialised Account, allows the electronic storage of stocks and other securities. Shares are purchased and maintained in a Demat Account while trading over the internet, making it simple for consumers to transact. Each person’s investments in mutual funds, bonds, shares, exchange-traded funds, and government-issued securities are kept together in a Demat Account.

NSE first made it available in 1996. Initially, investors had to go through a manual procedure for creating an account, which took a few days to be active. The Demat Account has reduced the chances of stealing and deception by holding stocks in digital form.

How Does a Demat Account Operate?

A Depository Participant (DP) can open a Demat Account on your behalf. You and Central Depository Services (India) Limited (CDSL), or the depository NSDL, are connected through the DP.

Following account opening, you may transfer shares from your actual share certificate to your Demat Account. You can purchase and trade shares, mutual funds, and other securities with the Demat Account. Following the close of business, your Demat Account will either receive credit for or debit for the shares.

Steps on How to Open Demat Account

One can now learn how to open a Demat Account in only minutes. Demat, which soared in popularity during the pandemic, has benefited from the entirely digital procedure. The following steps will let you know how to open Demat Account:

Step 1: Do a Depository Participant Search

The first step on how to open Demat Account is to decide the DP with whom you wish to register a Demat Account. Think about the DP’s status and if it can offer the services you need.

Step 2: Initiate the Demat Account Opening

After deciding on a DP, complete the online account opening form on the DP’s website. You must start by giving basic information like your name, email address, mobile number, etc. You must also include your PAN card information.

Step 3: Add Your Banking Information

Step three on how to open Demat Account involves adding bank details such as account number and IFSC code. Providing account information is crucial because it is utilised to credit any cash owed to you. You may own shares of the company that issued them in your Demat Account, such as dividends and interest.

Step 4: Upload Documents

In the next step, you need to upload a photo. Obtain a record of your identification and address proof documents to finish this process.

Step 5: Complete Personal Verification: Read more...

[kritikabansal213]

Smart Beta Investing: A Beginner’s Guide for Indian Investors

What Is Smart Beta?

Smart beta funds are a relatively new investment approach in India. They combine elements of both passive and active investing. Unlike traditional index funds that blindly replicate market indices, smart beta funds add a layer of active management to enhance returns or reduce risk.

How Do Smart Beta Funds Work?

Factor-Based Approach: Smart beta funds use factors such as value, low volatility, momentum, and quality to select stocks. These factors help filter out specific stocks from an index, creating a customized portfolio.

Enhancing Returns: By focusing on specific factors, smart beta funds aim to outpertorm traditional market-cap-weighted indices. For instance, a smart beta fund might select stocks based on low price-to-earnings (P/E) ratios or high dividend yields.

Diversification: Smart beta funds provide diversification by investing in a basket of stocks. This diversification helps reduce risk compared to holding individual stocks.

Why Consider Smart Beta?

Active Strategy within Passive Structure: Smart beta combines the benefits of passive investing (low costs) with active strategies (factor-based selection). It’s an attractive option for long-term investors.

Predictable Rules: Smart beta funds follow transparent rules based on specific factors. Investors know what they’re getting, unlike actively managed funds where fund managers’ decisions can vary.

Tips for Beginners:

Understand the Factors: Learn about the factors used by smart beta funds. Research how they impact returns and risk.

Long-Term Perspective: Smart beta works best over the long term. Don’t expect immediate results.

Diversify: Consider smart beta as part of a diversified portfolio, alongside traditional index funds and other investments.

Remember, smart beta isn’t a guaranteed path to riches, but it offers an interesting alternative for investors seeking a balance between active and passive strategies.

Happy investing!

Disclaimer: This blog provides general information and should not be considered financial advice. Always consult a professional advisor before making investment decisions.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

[futurevalueofficial]

12 Safe Investment options with high returns in India?

Investment plans typically assist you in achieving your life goals if you select them by your financial plan. Regardless of your financial goal’s duration, take your financial milestones into account while selecting a plan.

Let’s have a look at the best Indian investment opportunities listed below.

Direct Equity- Stocks: For investors who are willing to take risks, direct equity stocks are among the greatest choices. Direct equity investment is the process of purchasing listed equity equities of businesses on stock exchanges. Direct stock investments can yield either dividends or capital gains. Stock performance is influenced by a variety of factors, including firm success and market position.

A. This option has a high risk-return ratio and is among the most volatile investments.

B. Among the greatest ways to invest money to grow wealth adjusted for inflation

C. appropriate for a lengthy time frame

Having both a bank account and a Demat account is necessary to begin investing in this. A high-risk appetite is also necessary if you wish to continually invest in stocks and profit from them. Before beginning an investment, familiarize yourself with how equity stocks and markets operate.

2. Equity Mutual Funds: The main asset class of equity mutual funds is equity stocks and related instruments. These are among the greatest investment choices available in India for little individuals hoping to gain from the expansion of the equity market. With equities mutual funds, you can begin investing with as little as Rs 500 to start building well-diversified portfolios of equity companies.

Between 70 and 95 percent of the fund value may be allocated to equities stocks and similar securities by these funds. Due to their equity basis, these provide a high ratio of risk to return. Mutual funds that offer equity often fall into two categories:

a. Actively managed Mutual Fund: The fund manager is quite involved with these kinds of funds. The success of this fund is significantly influenced by the knowledge and skills of the fund management. They do research and analysis before selecting the stocks in which the fund will invest. Passive investment alternatives are seen as less risky than active funds.

b. Passively managed mutual funds: A large role is not played by the fund management in this kind of fund. The fund is predicated on a specific market portfolio or index. As an illustration, consider a fund composed of NIFTY50 stocks, etc. The performance of this fund is determined by the index’s performance.

3. Equity debt Funds: If you want to minimize volatility or don’t have a strong risk appetite, you might want to look into debt mutual funds or bond funds as investment options. These fixed-income instruments are also part of a diversified portfolio.

Debentures, corporate and government bonds, as well as other long-term fixed-income instruments, make up the amount invested in Debt Funds. Funds might have different risk profiles depending on the kind of securities they own in their portfolio. Prior to investing, you should evaluate the risk by looking up the ratings of the assets the fund owns.

If you desire the steadiness of returns with less risk, funds that hold government bonds or highly rated securities are appropriate. Therefore, you may think about debt funds when:

You avoid taking chances.

Relatively fixed returns are what you seek.

The principal’s safety comes first.

Keep in mind that all debt funds will still be subject to interest rate risk.

4. National Pension Scheme: One investing plan backed by the government that can help you protect your retirement is the National Pension System. The Pension Fund Regulatory and Development Authority (PFRDA) is in charge of regulating it.

This assists you in building a substantial retirement fund that you can use. As an investor who works for yourself or is salaried, you can use the NPS retirement account.

Two varieties of NPS accounts exist.

Retirement Account, Tier-I

Level II

The ability to aggressively grow your corpus is the main distinction between NPS and other provident fund investments. It uses an auto-rebalancing strategy to keep your portfolio risk-free as you become older. You can also receive a deduction for your contribution of up to Rs 2 lakhs.

The portfolio mixes you select and the duration of your investment will determine the risk-return on your NPS investment. Therefore, both risk-averse and aggressive investors can benefit from this retirement investment option.

5. Public Provided Funds: When looking for safe investment options to place their money in, PPF is one of the most well-liked and greatest options. The ideal investing plan for successfully reaching your long-term goals is the 15-year plan. The plan, which was first presented as a secure retirement investment option for independent contractors, has gained popularity among long-term investors since it offers:

Tax Effectiveness

Section 80C allows you to deduct up to Rs. 1.5 lakhs. The maturity value is tax-free as well.

Availability of liquid assets

During the first five years of the account, you are able to borrow against the accrued corpus. Partial withdrawals are permitted after five years.

A mix of Risk and Return

low-risk investment with an annual rate of return that is linked to the market.

Investment period

Minimum Investment Period of 15 Years; thereafter, accounts may be extended in 5-year increments.

6. Bank Fixed Deposit: Another well-liked investment choice in India that guarantees the security of your funds and yields consistent returns is a bank fixed deposit. A set rate of interest will be provided for a predetermined period of time when you invest a lump sum amount. You will get the principal amount plus any compound interest accrued during the term when your term expires.

When investing in a bank fixed deposit, take into account the following:

Returns on bank FDs are guaranteed. The principal sum is therefore secure.

Your FD cannot be withdrawn until it matures. You risk paying penalties and missing out on compound interest if you withdraw before the term is up.

These are among India’s most adaptable investing choices. The duration of the investment can range from seven days to ten years.

In a bank savings account, the initial interest rate will be maintained for the duration of the agreement. As a result, your deposit’s return is set until it matures.

The interest can be reinvested or received.

Upon maturity, banks also let you have your FD automatically renewed.

 7. Senior Citizen Saving Scheme: The Senior Citizen Savings Scheme, often known as SCSS, is one of the investment choices that assists participants in reaching their retirement objectives by providing a steady stream of income. You can make a lump sum investment in this scheme after reaching 60. It is one of the possibilities for small savings investments. Every quarter, you will be paid a fixed interest amount.

There are two ways to create a SCSS account:

through the post office

Through Bank

Seniors find it to be a very popular investment option because of its attractive and guaranteed returns. As of Q3 FY 2022-23, the rate of returns is 7.6%. There will be a quarterly adjustment to these rates.

Here are some SCSS characteristics to be aware of:

If you are older than sixty, you can invest in it. Those who have participated in the VRS (Voluntary Retirement Scheme) and are above 55 are also eligible to apply.

Rs 1000 is the minimum investment, meaning that you must deposit an amount greater than or equal to Rs 1000.

A maximum of Rs 15 lakh can be invested. This is the maximum amount that you can invest.

Interest is given out on a quarterly basis.

The five-year maturity term has the option to be extended by an additional three years.

8. Unit Linked Insurance Plans: Because it offers both insurance and a channel for investment, a Unit Linked Insurance Plan (ULIP) might be seen as an investment choice. The policyholder pays a portion of the premiums toward the life insurance and another portion toward the funds of their choice. Given that this life insurance plan delivers market-linked returns, a prospective investor should consider the plan’s advantages and disadvantages before making an investment.

A ULIP that provides both market-linked returns and life insurance is Canara HSBC Life Insurance Invest 4G. There are eight fund alternatives available, each with a partial withdrawal option.

9. Real estate Investment: In India, real estate is a wise choice for investors. But typically, it’s a significant financial commitment. Purchasing real estate, including houses, land, and plots, is referred to as investing. One of the finest ways to fight inflation with investments is to do this. You may be able to make both regular and capital gain income by investing in this.

You can generate additional revenue by renting out the building you recently bought. This will guarantee that you receive returns each month in the form of rent. You can sell your property for more money and make a capital gain if it has appreciated in value.

There is a well-known proverb that states that “location, location, location” are the three most crucial factors in real estate. This is the main element that determines whether or not your real estate investment is successful.

Although real estate in a prime location can be pricey, it also has higher potential for appreciation and can fetch a higher rent.

10. RBI Bonds: One of the safest investment alternatives available in India are RBI Bonds. To generate funds for the advancement of various government programs, the Reserve Bank of India, or RBI, issues bonds to the general public. There is a word attached to these bonds. Money is refunded along with interest earned upon maturity.

These bonds are available for purchase from four private banks as well as all twelve national chains. The RBI will give you a certificate of holding in recognition of your debt. Upon maturity, this certificate will serve as evidence.

These are for a period of seven years.

These can be non-cumulative, in which the interest is paid out as a regular income, or cumulative, in which the money is reinvested.

11. Pradhan Mantri Vaya Vandana Yojana: Seniors, particularly individuals 60 years of age and over, have access to investing choices such as the Pradhan Mantri Vaya Vandana Yojana (PMVVY). After sixty years of age, it provides you with a steady source of income.

It has a longer validity period but still offers interest at a rate of 7.4% annually. This is the current interest rate, good through March 31, 2023.

The following are some qualities of PMVVY that could make you think about making this investment:

Pension payable on a quarterly, annual, or monthly basis

It will mature in ten years.

You can invest a maximum of Rs 9250 per month, and a minimum of Rs 1000 is required.

If you have owned this for more than three years, you can use it to offset loans up to a value of 75%.

12. Gold: In India, gold is frequently seen as the best investment choice for safeguarding a family’s legacy. However, purchasing gold as a family heirloom is now nearly impossible due to growing expenses and fees.

Alternatively, you can steadily increase your gold purchasing power over time by using investing choices like Gold ETFs. They are referred to as “paper gold” in general. It includes investments and gold stocks. In contrast to pricey gold, they can be purchased from the stock market based on your financial situation.

This is an Exchange Traded Fund (ETF), which means it is managed passively. It is a reflection of the real gold price movement of the same caliber. The NAV of the ETF will increase in tandem with rising gold rates.

[foxnangelseo]

Exploring Investment Options in India: A Guide to Financial Growth and Security

Investment options in India encompass a diverse array of opportunities that enable individuals to grow their wealth and secure their financial future. Investing involves allocating resources in various avenues with the goal of generating returns over time. This practice is fundamental for individuals looking to build wealth, beat inflation, and achieve long-term financial goals.

The importance of investing in India stems from the country's robust and rapidly growing economy. With a burgeoning middle class and a dynamic market, numerous investment avenues present themselves to both seasoned investors and beginners. Understanding these options is crucial to making informed decisions aligned with individual financial objectives.

One of the most traditional yet reliable investment avenues is the stock market. India's stock exchanges, such as the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE), provide opportunities for individuals to invest in a wide range of companies across sectors. Stocks offer the potential for capital appreciation and dividends, albeit with inherent risks that require a prudent approach and research-driven decisions.

Another popular investment avenue is mutual funds. These professionally managed funds pool money from various investors to invest in diversified portfolios of stocks, bonds, or other securities. They offer diversification, liquidity, and professional management, making them an accessible option for investors with varying risk appetites.

Fixed-income instruments like government-backed schemes, corporate bonds, and fixed deposits (FDs) from banks offer stable returns and security, albeit with comparatively lower returns than equities. These serve as a conservative option for investors seeking stability and capital preservation.

Real estate stands as a tangible and historically appreciating asset class in India. Investing in properties, be it residential or commercial, can potentially yield rental income and capital appreciation. However, this avenue demands significant capital, long-term commitment, and careful assessment of market trends.

In recent years, alternative investment options such as gold, commodities, and digital assets like cryptocurrencies have gained traction among investors seeking diversification and higher returns. These avenues come with their own set of risks and require a thorough understanding before venturing into them.

The significance of investing in India lies in the potential to generate wealth over time. By carefully diversifying across various investment avenues, individuals can mitigate risks and capitalize on growth opportunities. Moreover, investing encourages financial discipline, compounding, and a proactive approach towards achieving long-term financial objectives like retirement planning, wealth creation, and achieving financial independence.

In conclusion, exploring investment options in India is pivotal for individuals aiming to secure their financial future and achieve their life goals. Each investment avenue carries its own risk and return profile, and thus, a well-thought-out investment strategy that aligns with individual financial goals and risk tolerance is imperative. With prudent decision-making and a long-term perspective, investing in India offers the potential for wealth creation and financial security.

This post was originally published on: Foxnangel

[hisureshkumar]

10 Best Mutual Funds for Next 10 Years

One of the best ways to create wealth is to invest in mutual fund schemes. In the medium to long term, these can fetch good returns. However, investors should consider selecting funds based on their financial goals, risk appetite and tenure of the investment.  In this article we would provide the list of 10 Best Mutual Funds for Next 10 years to invest in India.

Why to invest in Mutual Funds?

Before getting into the specific list of mutual funds to invest for next 10 years, let us understand the fundamentals of mutual funds. While there are several investment options, mutual funds has been gaining prominence in the last few years. Some of the mutual funds have generated 10x to 12x returns in the last 10 years. Mutual Funds pool money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities, managed by professional fund managers.

What are the benefits of investing in mutual funds?

- Diversification: Mutual Funds does not invest in single stock or bond. They spread the investment across various assets which helps to reduce the risk. - Professional Management: Expert fund managers make informed investment decisions on your behalf. - Liquidity: Investors can buy and sell mutual fund units based on NAV (Net Asset Value) at any given point of time except where there is lock-in period. - Transparency: Fund houses keeps providing updates on the portfolio. - Affordability: Investors can invest as low as Rs 500 in mutual funds. In some funds they can invest even as low as Rs 100.

What is the Economic Outlook for India?

Before identifying the best mutual funds for the next 10 years, let's assess the economic landscape of India and key factors shaping its growth. - Demographic Dividend: With a young and dynamic population, India enjoys a significant demographic advantage, fueling consumption and economic growth. - Infrastructure Development: Government initiatives and investments in infrastructure projects aim to enhance connectivity, spur economic activity, and attract investments. Our recommended Infrastructure mutual funds in 2022 have doubled in the last 2 years. - Digital Transformation: The rapid adoption of digital technologies is revolutionizing various sectors, boosting efficiency and innovation. - Emerging Sectors: Industries such as renewable energy, healthcare, and e-commerce present lucrative opportunities for investors, driven by evolving consumer preferences and technological advancements.

Best Mutual Funds for Next 10 Years to Invest in India:

Now, let's explore the top 10 mutual funds to invest for next decade, considering factors such as historical performance, fund management expertise, and investment strategy. We have provided 2 table, one based on annualized returns and second based on SIP returns. One can use them like a model mutual fund portfolio for investments.

Best Mutual Funds for Next 10 Years – Annualised Returns

Category Mutual Fund Name 3 Yrs 5 Yrs 10 Yrs Index / Largecap UTI Nifty 50 Index Fund 16.2% 14.8% 13.8% Index / Largecap UTI Nifty Next 50 Index Fund 23.2% 19.0% NA Index / Largecap Nippon India Largecap Fund 26.8% 18.8% 18.4% Index / Largecap Baroda BNP Paribas Large Cap Fund 19.8% 18.0% 16.2% Midcap / Smallcap Quant Mid Cap Fund 38.3% 35.3% 21.9% Midcap / Smallcap SBI Small Cap Fund 25.4% 26.8% 27.2% Flexicap Parag Parikh Flexi Cap fund 22.7% 24.5% 20.0% Flexicap Quant Flexicap fund 32.5% 32.0% 24.3% Hybrid ICICI Prudential Equity & Debt Fund 26.2% 26.0% 19.8% International Motilal Oswal Nasdaq 100 FoF 12.0% 21.8% NA

Best Mutual Funds for Next 10 Years – SIP Returns

Category Mutual Fund Name 3 Yrs 5 Yrs 10 Yrs Index / Largecap UTI Nifty Index Fund 15.8% 18.0% 14.3% Index / Largecap UTI Nifty Next 50 Index Fund 30.5% 25.7% NA Index / Largecap Nippon India Largecap Fund 28.0% 26.7% 18.3% Index / Largecap Baroda BNP Paribas Large Cap Fund 24.4% 22.8% 17.0% Midcap / Smallcap Quant Mid Cap Fund 42.2% 42.6% 26.5% Midcap / Smallcap SBI Small Cap Fund 25.8% 30.1% 23.6% Flexicap Parag Parikh Flexi Cap fund 24.7% 26.8% 20.9% Flexicap Quant Flexicap fund 34.0% 38.0% 25.4% Hybrid ICICI Prudential Equity & Debt Fund 26.2% 26.8% 19.1% International Motilal Oswal Nasdaq 100 FoF 19.2% 19.9% NA

Investment Strategies for Long-Term Growth:

While selecting mutual funds for the next 10 years, it's crucial to adopt a disciplined investment strategy aligned with your financial goals and risk tolerance. - Asset Allocation: Diversify your portfolio across asset classes to mitigate risk and enhance returns. - Systematic Investment Plan (SIP): Invest regularly through SIPs to benefit from rupee cost averaging and harness the power of compounding. One can easily make out 1 Crore with 5,000 per month SIP investments. - Stay Informed: Keep an eye on market developments, economic indicators, and fund performance to make informed investment decisions. - Review and Rebalance: Periodically review your investment portfolio and rebalance it to maintain optimal asset allocation and adapt to changing market conditions.

FAQs (Frequently Asked Questions):

To address common queries regarding mutual fund investments, here are some frequently asked questions along with detailed answers: 1. What are the key factors to consider when selecting mutual funds for long-term investment? First step is to consider financial goal, risk appetite and tenure of investment. As a second step, when selecting mutual funds for long-term investment, consider factors such as historical performance, fund manager expertise, investment strategy, expense ratio, and risk-adjusted returns. 2. How can I assess the risk associated with mutual fund investments? You can assess the risk associated with mutual fund investments by analyzing factors such as the fund's investment objective, asset allocation, portfolio diversification, and historical volatility. 3. Is it advisable to invest in sector-specific mutual funds for long-term growth? Investing in sector-specific mutual funds can be risky as it exposes your portfolio to concentration risk. It's advisable to opt for diversified equity funds with exposure to multiple sectors for long-term growth. 4. What role does inflation play in mutual fund investments? Inflation erodes the purchasing power of money over time, affecting the real returns on your investments. It's essential to choose mutual funds that offer returns exceeding the inflation rate to preserve and grow your wealth. Investors should periodically check and should not end up in investing in bad funds which we indicated in our Worst Performing Mutual Funds in the last 10 year. 5. How often should I review my mutual fund investments? It's recommended to review your mutual fund investments periodically, typically every six months to a year, to ensure they remain aligned with your financial goals and risk tolerance. Make adjustments as necessary based on changes in market conditions or your investment objectives. 6. Can mutual funds help me achieve my long-term financial goals such as retirement planning? Yes, mutual funds can play a crucial role in helping you achieve long-term financial goals such as retirement planning by offering the potential for capital appreciation and regular income through systematic investments over time. They should also build strategy and opt for Two Bucket Strategy of Investment which can help them to get maximum benefit. Conclusion: In conclusion, selecting the best mutual funds for the next 10 years requires careful consideration of various factors, including economic outlook, fund performance, and investment strategy. By diversifying your portfolio across equity funds, adhering to a disciplined investment approach, and staying informed about market trends, you can build a robust investment portfolio geared towards long-term growth and wealth creation. Read the full article

[indian-pan-card-canada]

Pan Card for OCI

The Permanent Account Number (PAN) card is an essential document for anyone conducting financial transactions in India. It’s used for tax purposes, to track financial activities, and is often required for various forms of identification. Overseas Citizens of India (OCI) who have financial interests in India or earn income from Indian sources may need a PAN card for OCI. This article explores why OCI holders might require a PAN card, the application process, and the benefits of having one.

Why OCI Holders Need a PAN Card:

Pan Card for OCI are individuals who hold citizenship in a country other than India but have a lifelong visa to visit India. While OCI status allows individuals to visit, live, or work in India without a visa, it does not grant them full citizenship rights, such as voting or owning agricultural land. However, OCI holders may still need a PAN card for several reasons:

Taxation Purposes: If OCI holders earn income from Indian sources — such as rental income, dividends, capital gains, or business profits — they are required to pay taxes in India. A PAN card is necessary for filing income tax returns and complying with Indian tax regulations.

Investments and Financial Transactions: A PAN card is often required for opening bank accounts, investing in mutual funds or stocks, purchasing property, and conducting other financial transactions in India. Without a PAN card, these activities can be challenging.

Property Transactions: If OCI holders plan to buy or sell property in India, they will need a PAN card. It’s also required for property registration and other related processes.

Banking and Insurance: Many Indian banks require a PAN card for opening accounts, obtaining loans, or purchasing insurance policies. Having a PAN card simplifies these transactions.

Benefits of Having a PAN Card as an OCI Holder:

Obtaining a PAN card for OCI holder offers several benefits:

Compliance with Tax Regulations: A PAN card allows you to file income tax returns and comply with Indian tax laws. This is essential if you have income from Indian sources.

Smooth Financial Transactions: With a PAN card, you can open bank accounts, invest in financial instruments, and conduct other financial transactions in India without hassle.

Property Ownership: If you plan to buy or sell property in India, having a PAN card streamlines the process and ensures compliance with legal requirements.

Business Opportunities: A PAN card is necessary for establishing business relationships in India. It allows you to enter into contracts, obtain business licenses, and conduct business operations

Simplified Identification: A PAN card serves as a form of identification in many scenarios, making it easier to verify your identity and complete various formalities.

Conclusion:

For Overseas Citizens of India, obtaining a PAN card for OCI is a crucial step in conducting financial transactions and complying with Indian tax regulations. The application process for a PAN card for OCI holder involves a few specific steps, but with the right documentation and understanding of the process, it can be completed smoothly. Having a PAN card opens up opportunities for financial activities, property transactions, and business operations in India, making it a valuable asset for OCI holders.

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Estate Planning Advisory Services in India | Filfox Shares

Filfox Shares offers premier Estate Planning Advisory Services in India, providing expert guidance and support to individuals looking to secure their financial future and protect their assets for generations to come. Our team of experienced professionals is dedicated to helping clients navigate the complexities of estate planning with care and precision, ensuring peace of mind and security for you and your loved ones.

Click Here: https://www.filfoxsharesolutions.com/

[stockmarketknowledge]

Why People Buy Share And Who Sells Shares?

People buy shares in a company for various reasons, and understanding these motivations can provide insight into the dynamics of the stock market. Here are some common reasons why individuals buy shares:

Investment: Many people buy shares as a form of investment with the goal of generating wealth over the long term. By investing in shares, individuals aim to benefit from capital appreciation (increase in the stock's price) and dividend income (share of the company's profits distributed to shareholders).

Income Generation: Some investors buy dividend-paying stocks to generate regular income. Dividend-paying companies distribute a portion of their profits to shareholders in the form of dividends, providing investors with a steady stream of income.

Portfolio Diversification: Investors buy shares to diversify their investment portfolios and reduce risk. Diversification involves spreading investments across different asset classes, sectors, and geographic regions to minimize the impact of any single investment's performance on the overall portfolio.

Speculation: Speculative investors buy shares with the intention of profiting from short-term price movements. They may analyze market trends, technical indicators, and news events to make short-term trading decisions in the hopes of earning quick profits.

Ownership Stake: Buying shares of a company gives investors ownership rights and a stake in the company's future performance. Shareholders may have voting rights in corporate decisions, such as electing the board of directors or approving major corporate actions.

On the other hand, who sells shares can vary:

Company Founders and Insiders: Company founders, executives, and insiders may sell shares for various reasons, including diversification of personal wealth, funding for business expansion, or to take profits.

Institutional Investors: Institutional investors such as mutual funds, pension funds, and hedge funds may sell shares to rebalance their portfolios, meet redemption requests from investors, or capitalize on short-term trading opportunities.

Retail Investors: Individual investors may sell shares for a variety of reasons, including realizing capital gains, cutting losses, or rebalancing their portfolios in response to changing market conditions or personal financial goals.

Market Makers and High-Frequency Traders: Market makers and high-frequency traders buy and sell shares frequently to provide liquidity to the market and profit from small price discrepancies. They may sell shares as part of their trading strategies to capture short-term profits.

One of the best way to start studying the stock market to Join India’s best comunity classes Investing daddy invented by Dr. Vinay prakash tiwari . The Governor of Rajasthan, the Honourable Sri Kalraj Mishra, presented Dr. Vinay Prakash Tiwari with an appreciation for creating the LTP Calculator.

LTP Calculator the best trading application in India.

You can also downloadLTP Calculator app by clicking on download button.

Understanding the motivations of buyers and sellers in the stock market is crucial for assessing market dynamics, price movements, and investor sentiment. It's important to note that buying and selling shares involve inherent risks, and investors should conduct thorough research and analysis before making investment decisions.

[accelero25]

Tax Implications of Owning Property in Both the USA and India Taxes

Introduction:

Owning property in both the USA and India Taxes can be a strategic way to diversify your assets and potentially connect to your roots. However, this dual ownership presents a unique set of tax challenges. This blog dives into the tax implications for US citizens or residents living in India who own property in both countries, exploring considerations for mutual funds, Passive Foreign Investment Companies (PFICs), and tax reporting.

Understanding Your Tax Resident:

US Taxation: The US adheres to a nationality-based taxation system. This means that regardless of where you live, you are generally responsible for filing a US tax return if you are a US citizen or Green Card holder. This includes reporting income generated from all your assets worldwide, including properties in India.

Indian Taxation: India taxes residents on their global income, including income from real estate located abroad (such as the US). Non-resident Indians (NRIs) are generally only taxed on income derived from India, such as rental income from their Indian property

Implications of Taxes on Property Ownership:

US Tax:

Rental Income: Rental income earned from your US property is taxed in the US. You will report it on your tax return and pay tax based on your income bracket.

Capital Gains: Selling your US property can trigger capital gains tax in the US. The tax rate depends on how long you've owned the property (short term vs. long term) and your tax bracket.

Indian Tax:

NRIs and Rental Income: If you are an NRI and own a property in India that you rent out, you will be liable to pay tax on the rental income in India. Tax rates can vary depending on your tax treaty status with the US and any applicable deductions.

Capital Gains: Selling your Indian property may trigger capital gains taxes in India for NRIs. The tax rate and rules can vary depending on the type of property and your NRI status.

Double Taxation Treaties:

Relief from Double Taxation: Fortunately, the US and India have a double taxation treaty in place to prevent residents from being taxed twice on the same income. The treaty can help determine which country has the primary taxing right on specific types of income, like rental income from property.

Mutual Funds & PFICs: A Separate Tax Consideration

While property ownership is a major focus, remember that US tax obligations extend to other investments as well.  The information in previous blog posts on this topic applies here too:

Mutual Funds: Dividends and capital gains generated from Indian or US mutual funds are generally taxable as income in the US.

PFICs: Most Indian mutual funds fall under PFIC regulations, adding complexity to your US tax filing. Consult a tax professional to navigate the specific PFIC category and tax rules for your investments.

Tax Reporting Complexities:

US Tax Filing: As a US taxpayer with property in India, you'll need to report income generated from that property (rental income, capital gains) on your US tax return. This might involve additional forms and schedules.

Indian Tax Filing: NRIs with Indian property may also need to file an Indian tax return, depending on their income and NRI status.

Seeking Professional Help is Crucial

The interplay of US and Indian tax laws, combined with the complexities of PFICs, makes navigating this landscape challenging. Consulting with a tax professional experienced in both US expat taxes and Indian tax laws is highly recommended.

They can:

Analyze Your Residency Status: Determine your residency status for both the US and India, which significantly impacts your tax obligations.

Navigate Tax Treaties: Help you leverage the US-India double taxation treaty to minimize your tax burden.

Ensure Proper Reporting: Guide you on accurate and compliant tax filing in both the US and India.

Advise on Investment Strategies: Offer guidance on investment strategies that minimize your overall tax liability.

Double Taxation Avoidance Agreement (DTAA):

The DTAA between the U.S. And India is a critical device for green card holders to prevent being taxed two times at equal income. Understanding the provisions of the settlement and in search of professional recommendations can assist optimize tax outcomes.

Conclusion:

Owning property in both the U.S. and India as a green card holder presents a unique set of challenges and opportunities. Being well-informed about the tax implications, leveraging available exemptions, and seeking professional advice are key strategies to navigate this intricate landscape. By carefully managing tax obligations, green card holders can maximize the benefits of their cross-border real estate investments while ensuring compliance with both U.S. and Indian tax laws.

[yogeshsarade]

Capital Gains on Stocks, Mutual Funds & House Property

What is Capital Gains Tax?

Simply put, any profit or gains that arises from the sale of a “capital asset” is known “income from capital gains.” Such capital gains are taxable in the year in which the transfer of the capital asset takes place. This is called capital gains tax.

The rate of tax depends on whether it is a long-term capital gain (LTCG) or short-term capital gain (STCG).

But how do we decide whether the gain from the capital asset is long-term or short-term, and how the gains should be treated?

Holding Period for LTCG and Exceptions

The basic definition of long-term capital gains as per the Income Tax Act is any capital asset that has been held, at least, for a period of 36 months. However, there are certain exceptions to this rule.

There are some assets that are not classified as capital assets and hence are free of capital gains tax. This includes business inventory, household & personal effects, agricultural land in rural India, Gold Bonds 1977/1980, National Defence Gold Bonds 1980, Special Bearer Bonds 1991, Gold deposit scheme 1999 and Gold Monetization Scheme 2015. Here, the question of capital gains does not arise.  

There is one asset class with a long-term asset classification of 24 months i.e., immovable properties like land, building and house property; effective from FY2017-18. This is only applicable for properties sold after 31-03-2017. Such assets would be classified as long-term asset if held for more than 24 months.  

There is a specific set of assets where the definition of long-term capital gains is holding period of 12 months or more. This includes equity and preference shares of listed companies, listed debentures, equity oriented MFs of SEBI registered AMCs and zero-coupon bonds, whether listed or not. In all these cases, any holding above 1 year will be treated as long term capital gains.

The above assets are the exceptions. Apart from these, all the other assets will be subject to long term capital gains tax if held beyond 3 years, but subjected to short term capital gains tax if held below 3 years.

How are equities taxed?

There are multiple levels of taxation of capital gain in equity. When you invest in equities, you earn income from dividends, capital gains and from buyback of shares.

In the past, the dividends were initially exempt, later there was the dividend distribution tax (DDT) and then there were taxes at multiple levels. Now, all tax exemptions on dividend income have been removed effective the Finance Act 2020. Any dividend received by an individual during the year will be taxed as other income at the peak rate applicable; whether 10%, 20% or 30%.

What about capital gains tax on equities? In this case we have to classify capital gains into long-term and short-term capital gains tax.

Any equity share held for less than 12 months is a short-term capital asset and any equity share held more than 12 months is a long-term capital asset. Here are the tax implications.

In the case of short-term capital gains (sold before 12 months), the tax is levied at a concessional rate of 15%. This is much lower than other capital assets.  

In the case of long-term capital gains (effective from April 01, 2018), there is a flat 10% tax levied on long term capital gains, above the threshold of Rs. 1,00,000 per year. Flat 10% tax means that there is no benefit of indexation available on long term capital gains on equities, even if you hold these shares for as long as 10 years.  

Can losses be set off or carried forward? Short term capital loss on equities can be set off against both short-term gains or long-term capital gains.

Any outstanding losses can be carried forward for a period of 8 assessment years.

In the case of long-term losses on equity (effective from April 01, 2018), it can be set off against other long-term gains and also carried forward for 8 years. However, long term cannot be written off against short term gains.

What about speculative gains and losses (from intraday trading). In such cases, it is treated as speculative income and the peak tax rate is applied. However, the losses on speculation can only be set off against gains from speculation. Speculative losses can only be carried forward for a period of 4 assessment years.

All the above are subject to the condition that securities transaction tax (STT) is paid on these equities.

Finally, let us turn to the question – How is equity buyback taxed?

Effective the Union Budget 2020-21, when a company buys back shares using its free reserves, the tax incidence falls on the company. The company has to pay a tax of 23.296% (20% tax + 12% surcharge + 4% cess) on the difference between the buyback price and the issue price.

The buyback transaction is entirely tax-free in the hands of the shareholder.

How are mutual funds taxed?

For capital gains in mutual funds , the first classification to do is on the type of fund. Here are the 3 types of funds from a tax perspective. This is effective from Union Budget 2023-24.

Equity funds are the mutual funds that have more than 65% exposure to equity as an asset class. The remaining portion, less than 35%, can be in debt.  

Non-Equity Hybrid Fund are the funds where the exposure to equity is more than 35% but less than 65%. This classification was made only in Budget 2023-24.  

Finally, there are the pure debt funds and hybrid funds where the exposure to equity is less than 35% and are now treated at par with fixed deposits of banks in terms of tax treatment.

Let us now turn to how each of these categories are taxed.

Taxation of equity funds

In the case of equity funds, the treatment is the same as direct equities.

If the equity oriented fund is held for less than 12 months it is short term asset and taxed at flat 15% and does not form part of normal income tax.  

If the equity fund is held for a period of more than 12 months, it is long term capital gain and taxed at 10% flat (without indexation). Any long-term capital gain below the threshold of Rs. 1,00,000 each year is exempt from tax.  

Investors who prefer regular income in the form of dividends on equity funds can opt for the IDCW option. IDCW is treated as regular income for investors, it’s added to their total income for financial year. IDCW is taxed as per the applicable tax slab of the person. It is also subject to TDS deduction by the fund.

Taxation of non-equity hybrid funds

In the case of non-equity hybrid funds with equity exposure above 35% and below 65%, the tax treatment is as under.

Short term capital gains are defined as capital gains held for less than 36 months and are taxed as normal income as per the applicable tax slab.

Long term capital gains tax held for more than 36 months are taxed at 20% with the additional benefit of cost indexation. This reduces the tax liability to a greater extent.

Taxation of debt funds

In the case of debt funds with 100% in debt or hybrid funds with equity exposure less than 35%, both short-term and the long-term capital gains will be taxed at the applicable tax slab of the individual

Taxation of house property

As we stated earlier, capital gain in house property falls under the category of special assets that are treated as long term capital gains if held for over 24 months. Here is how it is taxed.

Short term capital gains on sale of house property is taxed as other income at the peak applicable rate, if sold before 24 months from date of registration.

Long term capital gains on sale of house property is taxed at a concessional rate of 20%, if held for more than 24 months. In addition, the indexation benefits are also made available.

However, there are some additional benefits available, to make such long-term capital gains from house property exempt from tax.

Under Section 54 of the Income Tax Act, if the sales proceeds of a house or land is reinvested in a new residential house, within a specified period, then capital gain is fully exempt, subject to holding the new asset for at least 3 years.

Under Section 54EC, if the sales proceeds from land or building is reinvested in specified infrastructure bonds of REC or NHAI, such gains will be exempt from long term capital gains tax, subject to holding the new asset for at least 5 years. However, you cannot invest more than a total of Rs. 50 lakhs in these bonds.

In conclusion, capital gains can be tricky and complex, but an in-depth understanding can make your actions tax-smart.

SOURCE URL: https://www.sbisecurities.in/blog/capital-gains-on-stocks-mutual-funds-house-property

[jarvis-invest]

Why is direct equity investment better than a mutual fund?

Two options are available to investors related to an equity investment: direct equity and mutual funds. Mutual funds are more popular as they are marketed in India (TV commercials). As a result, investors tend to invest via mutual funds. There is no denying that mutual funds were good options to invest in equity until recently. However, now investors have an option to invest in the stock market directly and earn better returns. This article is of utmost importance for mutual fund investors who believe that mutual fund is the only investment option.

Why do investors prefer mutual funds?

Below are two main reasons investors tend to take the mutual fund route:

Professionally managed funds: Most investors in India lack financial knowledge. Hence they cannot invest in direct equity as it requires expertise. 

Diversification: Mutual funds automatically diversify your portfolio. You can have stocks for each possible category if you invest in three mutual funds.

We did a small survey that showed that investors prefer to invest in a mutual fund.

We also tried to analyze what stops them from equity investment. The number one reason is the lack of time to track and monitor the portfolio.

Here is a point to ponder: We invest our money in the market to get high returns. No doubt, there has to be a balance between risk and return. Why would you not invest in direct equity and get more returns on your investments if presented with an opportunity? Today, we discuss that opportunity with you – backed by numbers.

Why should you invest in direct equity?

Below are some reasons why every investor should invest in direct equity:

Control over your investments: When you invest in direct equity, you can create a portfolio of your choice. Depending on your risk profile, you have an asset allocation. You only have categories to choose from and cannot personalize when you invest via a mutual fund. With direct equity, you can pick stocks of your choice. If you are from an IT background, you will have a good understanding of the sector and can make better investment decisions than most people.

Buy and sell at a price of your choice: When it comes to direct equity, you can buy and sell shares at any time during the trading window. However, with mutual funds, you get the NAV value calculated at the end of the trading day. Some days, during the trading window, the market (or specific stocks) is down considerably, and you can invest at a lower price. If they correct it later, you make gains. 

You can take advantage of market movement: There are situations where certain news impacts a market and allow investors to buy (or traders to trade). For example, if there is news in favor of the NBFCs sector, it is expected that NBFC shares will rise in the coming days (or that day). You can take the position in the NBFC stock of your choice and make the most of the news.

Dividend Income: Most profitable companies give out dividends to their shareholders. Direct equity investment opens an opportunity for investors to earn additional income from their investments. The amount can be reinvested in the market or used for other expenses.

Ownership in company: When you invest in a company, you own a part of the company. Being a shareholder, you become part of the company’s growth story. For example, if the company grows in revenue from X to 10X, the same would translate to the stock price. It will also be reflected in the capital you have invested in the company. Direct equity investment gives you the opportunity to make multibagger returns.

Things to keep in mind while investing in equity shares

Below are points to keep in mind before you start direct equity investment:

Yes, you will get higher returns than mutual funds, but it is a journey – you won’t be making multibagger returns overnight. Patience is the key.

Returns on investment will vary. If you have ten stocks, some will offer you good returns, while others may remain in red for months/years. You should be prepared for such a situation and not panic and sell your holding.

Don’t invest in direct equity if your investment horizon is small (less than a year). By staying invested for a long, you reduce your portfolio risk.

Direct Equity Investment: Risk and solution

There is no denying that direct equity investment is risky, and as highlighted above, most investors lack the financial knowledge to invest in it. You cannot jump in a river even if you know that there is gold in the riverbed if you don’t know swimming. It will be foolish, and only a greedy person may do it to regret it later.

However, if you can take help externally – someone who can take you down as a guide and help you take the gold out – then it will be foolish if you don’t opt for this option.

Jarvis Invest is your guide to investing in the stock market and earning more returns. If you lack market knowledge or don’t have the time to monitor your portfolio, you can still invest in direct stocks. Jarvis takes care of everything related to your portfolio – stock selection, monitoring, and rebalancing. 

In the same survey, we found that investors want to invest in direct equity if given a chance.

Do check out Jarvis Invest and start your direct equity investment journey. Share with others and let me know that a platform exists where with least effort, you can still invest in direct equity.

[kikusharma9001]

Which is the best way to learn about stocks?

Read introductory materials: Begin with books, articles, or online resources that explain the basics of stocks, including what they are, how they work, and the different types of stocks available.

Take an online course: Many platforms offer free or paid courses on stock market basics, investing strategies, and analysis techniques. Look for reputable sources such as educational institutions or well-known investing websites.

Follow financial news: Stay updated on market trends, economic indicators, and company news by regularly reading financial news websites, watching financial news channels, or listening to podcasts focused on investing.

Practice with virtual trading: Use virtual trading platforms that simulate real market conditions to practice buying and selling stocks without risking real money. This allows you to gain experience and test different strategies before investing your own funds.

Study investment strategies: Learn about different investment strategies, such as value investing, growth investing, dividend investing, and day trading. Understand the principles behind each strategy and determine which aligns best with your financial goals and risk tolerance.

Understand fundamental and technical analysis: Familiarize yourself with fundamental analysis, which involves evaluating a company's financial health and performance, as well as technical analysis, which involves analyzing stock price patterns and trends using charts and indicators.

Diversify your knowledge: Expand your understanding beyond stocks to include other investment vehicles, such as bonds, mutual funds, ETFs, and options. Diversification can help reduce risk and optimize returns in your investment portfolio.

Learn from experienced investors: Seek guidance from experienced investors or financial advisors who can provide valuable insights, tips, and advice based on their own experiences in the stock market.

Start small and gradually increase your exposure: Begin by investing small amounts of money that you can afford to lose, and gradually increase your investments as you gain confidence and experience.

Stay disciplined and patient: Investing in stocks requires patience, discipline, and a long-term perspective. Avoid making impulsive decisions based on emotions or short-term market fluctuations, and stick to your investment plan.

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One of the best way to start studying the stock market to Join India’s best comunity classes Investing daddy invented by Dr. Vinay prakash tiwari sir. The Governor of Rajasthan, the Honourable Sri Kalraj Mishra, presented Dr. Vinay Prakash Tiwari with an appreciation for creating the LTP Calculator.

Download Application

Remember that learning about stocks is an ongoing process, and the best way to improve your knowledge and skills is through continuous education and practical experience.

[ascentwealth24]

Why is investment better than a fixed deposit (FD), and which one is better?

Investment offers several advantages over a fixed deposit (FD). Firstly, investments typically provide higher returns compared to FDs, especially over the long term.

With investments, such as mutual funds or stocks, you have the potential for capital appreciation and dividends, which can significantly boost your wealth.

Secondly, investments offer greater flexibility and variety. Unlike FDs, which lock your money for a fixed period, investments allow you to adjust your portfolio according to market conditions and your financial goals.

Additionally, investments offer the advantage of tax efficiency, with certain investment options providing tax benefits like ELSS (Equity Linked Savings Scheme) mutual funds.

Overall, while FDs offer stability and guaranteed returns, investments have the potential to generate higher returns and offer more flexibility, making them a preferable choice for those seeking growth and wealth accumulation in the long run.

For expert guidance on maximizing your investments and securing your financial future, consider Ascentwealth.

We specialize in a wide range of financial services including mutual funds, life and health insurances, corporate FDs, bonds and NCDs, estate planning solutions, and goal-based financial planning. Contact us today at +91 7305953668 or visit our website at ascentwealth.invest@gmail.com.

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[filfoxsharesolutions]

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