#Mutual Fund Sahi Hai

[myidealmoney]

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[targetstudy]

Which Loan is Best, FD, Gold Loan, Mutual Fund, Personal Loan

What is Loan

Some Types of Loans

FD (Fixed Deposit) Loan

You can take a loan against bank FD without breaking it. In this way, along with the benefit of maintaining the savings deposited in the bank, one also gets the necessary cash.

The interest rates (12–15%) applicable on FD loans are also lower than personal loans. This loan is also easily available immediately. Also, there is no need to submit many documents to the bank for this. Savings also remain intact along with debt.

Gold Loan

Gold loans have become attractive these days as gold prices have reached Rs 75,000 per 10 grams. Now you will get more loan than before on mortgaging jewellery.

READ MORE>>>>

[dreeamfunds]

Shri Ram Navmi ki sabko hardik shubhkamnaye...!!!

[equitynivesh]

A Beginners Guide for Investing in Mutual Funds!

Investing in mutual funds is a great way for beginners to start building wealth and achieving their financial goals. Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. They are managed by professional portfolio managers who make investment decisions on behalf of the fund's investors.

Here's a beginner's guide to investing in mutual funds:

Define Your Financial Goals: Start by identifying your financial objectives. Whether it's saving for retirement, purchasing a home, funding your child's education, or building an emergency fund, knowing your goals is the first step.

Assess Your Risk Tolerance: Understand your risk tolerance level. Determine how comfortable you are with market fluctuations. Indian mutual funds come in various risk categories, so choose ones that align with your risk tolerance.

Establish an Emergency Fund: Before investing, ensure you have an emergency fund with enough money to cover at least three to six months of living expenses in case of unexpected financial setbacks.

Educate Yourself: Take the time to learn about mutual funds. Understand the different types of mutual funds available in India, such as equity funds, debt funds, and hybrid funds. You can find resources online, consult financial experts, or attend investment seminars.

Select a Mutual Fund Category: Choose a mutual fund category that suits your financial goals. Common categories in India include:

Equity Funds: Invest in stocks and offer growth potential but higher risk.

Debt Funds: Invest in bonds and provide stability with lower risk.

Hybrid Funds: Combine equity and debt investments for a balanced approach.

Choose Specific Funds: After selecting a category, research and choose specific mutual funds. Consider factors like the fund's historical performance, expense ratio, and the reputation of the fund house.

Open an Investment Account: To invest in mutual funds in India, open a mutual fund account with a reputable fund house or through a brokerage platform.

Diversify Your Portfolio: Avoid putting all your money into a single fund. Diversify your investments by allocating funds across different asset classes and fund types to manage risk effectively.

Invest Regularly: Invest consistently by setting up systematic investment plans (SIPs). SIPs allow you to invest fixed amounts at regular intervals, helping you benefit from rupee cost averaging.

Monitor Your Investments: Periodically review your mutual fund investments. Assess your portfolio's performance and make adjustments as needed to stay aligned with your goals.

Reinvest Dividends and Capital Gains: Opt to reinvest dividends and capital gains to compound your wealth over time.

Stay Informed: Keep abreast of financial news and market developments that may impact your investments. However, avoid making impulsive decisions based on short-term market fluctuations.

Be Patient: Mutual fund investments are typically long-term endeavors. Avoid reacting emotionally to market ups and downs and stick to your investment plan.

Review and Adjust Your Strategy: Regularly revisit your financial goals and investment strategy. As your financial situation evolves, you may need to adapt your portfolio or investment objectives.

Consider Professional Guidance: If you're uncertain about your investment choices or need personalized advice, seek assistance from a qualified financial advisor.

Investing in Indian mutual funds can be an effective way to achieve your financial aspirations over time, provided you make informed decisions, stay patient, and maintain a long-term perspective.

[krishkhatri1201]

7 Time Tested Tips to Maximise Mutual Fund Returns

Mutual funds are a great option for those who want to invest in a diverse portfolio of stocks, bonds, and other assets. Mutual funds are a desirable alternative for people who wish to diversify their portfolio since they are expertly managed and expose investors to various securities. 

Yet, depending on several variables, mutual fund returns might vary dramatically. 

But, by adhering to the following fundamental guidelines, the chances of maximising mutual fund returns can be increased:

Set Investment Objectives 

It's critical to have a clear understanding of your investment objectives prior to investing in mutual funds. Do you wish to make a consistent living, experience long-term growth, or both? Selecting the appropriate mutual fund depending on your investment objectives is critical because different mutual funds are created to satisfy various investing objectives.

Choose the Correct Mutual Fund 

Choosing the best mutual fund is the next step after defining your investing objectives. Equity funds, debt funds, and hybrid funds are the three basic categories into which mutual funds can be divided.

Equity funds primarily invest in stocks, whilst debt funds invest in fixed-income securities like bonds. Hybrid funds, as the name suggests, invest in both bonds and stocks. Every type of fund has different risk and return characteristics, so choosing one that matches your investment objectives, and risk tolerance is important.

Diversify Your Investments 

With mutual funds, diversification is essential for reducing risk and optimising returns. You may lessen the effect of any one investment on your whole portfolio by investing in a broad portfolio of securities. Stocks, bonds, and other securities from various sectors and industries should be mixed into a well-diversified portfolio.

Regular Investing 

Regular investing using a systematic investment strategy is one of the best strategies to optimise mutual fund returns (SIP). With a SIP, you may take advantage of compounding by investing a certain amount at regular periods, such as monthly or quarterly. By consistently making investments, you may smooth out the cost of your holdings over time and lessen the impact of market swings on your portfolio.

Keep an Eye on Your Portfolio 

Although mutual funds are a relatively low-maintenance investment, it's still crucial to regularly check your account. Observe how your mutual funds are performing and adjust your portfolio as necessary. It could be time to move to a better-performing mutual fund if one is continuously failing.

Check the Costs and Fees 

Fees and expenditures are incurred by mutual funds in order to manage your assets. Choose mutual funds with low expense ratios since these costs can gradually reduce your returns. Avoid mutual funds with significant front- or back-end loads and search for those with cost ratios that are below the industry average.

Remain Invested for the Long Term

Mutual funds are a long-term investment, so investing for the long haul is crucial to maximising profits. When there are brief market changes, resist the urge to sell your mutual funds since you might incur big losses. Instead, continue to invest and weather the market's ups and downs over time.

Conclusion

In conclusion, maximising mutual fund returns requires a disciplined approach to investing. By defining your investment goals, selecting the right mutual fund, diversifying your portfolio, investing regularly, monitoring your portfolio, paying attention to fees and expenses, and staying invested for the long term, you can build a portfolio that generates consistent returns over time. 

To learn more about mutual funds, click here and make a smart investment today!

[learnapp]

Difference between Equity Mutual Fund and Debt Mutual Fund

Let us look at the main difference between an equity mutual fund and debt mutual fund

The equity mutual fund invests in equity shares and related securities while the debt mutual fund invests in government securities, debentures, and other money market instruments.

Equity mutual funds have a investment horizon of a longer period of time while the debt mutual funds have a shorter investment horizon. 

Equity mutual funds are highly volatility in the short term while Debt mutual funds are relatively less volatility in the short term.

Equity fund expense ratio is much higher in an equity mutual fund while it is much lesser for a debt mutual fund. 

That’s it. These are major differences between an equity mutual fund and a debt mutual fund. In case you want to learn how to analyze a debt mutual fund, head over to the debt mutual fund analysis blog and learn the top 5 metrics to analyze a debt mutual fund.

[ifmfincoachinfo]

The Future of Mutual Funds - All that you need to know

India is rapidly seeing an escalating digital revolution. Whether it is internet penetration, data uptake or even the latest technology trends, India is applauded worldwide. All this started back in 2015 when the government of India initiated the Digital India Programme.

Later in 2016, demonetization was a big step in the digital era. All these events resulted in the growth of opportunities in the field of the mutual fund industry. Investors have also started to adopt mutual funds as their means of investment. 

Mutual Fund Industry - How it got evolve?

Initially, many investors believed that investing in mutual funds was not suitable for them. However, a series of events changed the opinion of the people.

The announcement of demonetization by Narendra Modi, Donald Trump's win, an increase in oil prices and an asset base of 17 lakh were seen in 2016; all these events led to awareness in the mutual fund field in our country.

Also, the CAGR (Compounded Annual Growth Rate) was 18% which was a huge step in the evolvement of the mutual fund industry. 

SIP- A  facility offered by mutual funds to the investors 

SIP is a big factor leading to rapid growth in the industry. Today, more than one crore of customers have active SIP, i.e. Systematic Investment Plans.

If mutual funds industry growth is to be considered, the Indian market is already booming. The most significant indication is the number of foreign-based management companies progressing into the Indian market.

If the latest data is to be considered, the MF industry's total AUM had risen 20 per cent to Rs 37.6 trillion in 2021-22. The industry added 31.6 million net new folios, taking the count to 129.5 million.

The systematic investment plan expanded to Rs 12,328 crore in FY22, with new SIP registrations at 26.6 million. Apparently, mutual funds in India are more likely to penetrate urban, semi-urban and rural areas. For this, some financial planners make the process easy by financial planning. 

Opportunities in the mutual fund industry 

Be it any industry, improvement is one rule that leads to positive change. In the mutual fund industry field, large-scale changes have been taking place, leading to evolution and innovation.

For example, new opportunities have evolved in asset management, which requires investments in different assets, including securities, stocks, bonds, and real estate, managed by a manager.

It also requires proper management firms, including front, middle and back office functions. The significant roles within the investment team include economists, research analysts, fund managers, dealers and traders.

Economists - Economists ensure the latest trends, future and its influence on international and domestic markets. The roles and responsibilities include preparing reports and market presentations on macroeconomic developments and sectoral shifts. As an Economist, you must prepare the team for the risks in the market. At the same time, macro and policy analysis, forecasting, modelling macro variables, and providing investment insights are the management team's responsibilities. 

Analysts - This is another excellent opportunity in the field of the mutual fund industry. The analysts track your investment recommendations by observing the prices of assets from the day of purchase to how they perform over time. You can also opt for the profile of equity research analysts who carry out telephone calls with all the dealers and intermediates. These calls usually comprise suggestions for the customers while speaking with the organization's administration, retail deals, constraints and so on. Plus, visiting the organizations and carrying out meetings, gathering data, surveying monetary explanations, and evaluating the income and benefits of the organization. 

Fund Managers - Another opportunity you can use in the mutual fund field is fund managers. As a fund manager, you must choose the best stocks, bonds, and financial market instruments and give the result to the investors by fulfilling the fund's objective. Later, fund managers search for the financials of publicly and privately traded companies. This is quite an interesting profile as it involves researching, collecting information, reading financial briefings and knowledge about global economic events. 

If you are somebody who loves conducting research or has financial modelling skills, reporting skills, and mathematical proficiency, you can opt for fund managers as your career. Based on your research, a list of companies falls under the investment objective. Fund managers also prepare a portfolio and accompany sales and marketing professionals to various events for promotions. Other than this, all the decisions related to portfolio composition are made by fund managers. 

Dealers/Traders- Dealers place the orders according to the instructions. Then there are sales and client relation teams that market the organization and promote their products and services. You also have the chance to be a part of the infrastructure team that keeps the entire organization moving. From IT to HR, the infrastructure team is vital for the motion of any company. 

Takeaway

We all know that algorithms are one factor that is gaining popularity in earnings and economic news. This directly opens the door to short-term trading.

On top of that, several asset managers are using machine learning methods to process the data. This is the future of asset management. If talking about the critical roles at investment firms in future, there will be a need of 

Investment decision maker

Investment Researcher

Private wealth manager

The technology firm will need 

 Data Scientist 

 Application Engineer 

 Investment Banker

 Investment Officer

 Investment researcher

 Private Wealth Manager

The innovation team will need 

Investment thinking and process innovator

Knowledge Engineer

Innovation Facilitator 

A few factors may challenge growth, but change is guaranteed. 

[mutualfundss]

What is a Mutual Fund? A Comprehensive Guide to Investing in Mutual Funds

What is a Mutual Fund? A Comprehensive Guide to Investing in Mutual Funds

Kya aap apne paise ko Invest me interested hain par shuruat kaha se karein ye nahi pata hai? Toh mutual funds aapke liye sahi option ho sakte hai. Mutual funds ek tarah ki investment vehicle hai jisme kai investors se paise ikattha kiye jaate hai aur stocks, bonds aur dusre assets jaise securities me invest kiya jaata hai. Mutual funds investors ko diversification, professional management aur liquidity pradaan karte hai. Is article me, hum mutual funds ke baare me sab kuch jaanenge, jaise ki ye kaise kaam karte hai, mutual funds ke types, mutual funds me invest karne ke fayde aur nuksaan, aur mutual funds me invest kaise karein.

Mutual Fund Kya Hai?

Mutual funds ek tarah ki investment vehicle hai jisme kai investors se paise ikattha kiye jaate hai aur stocks, bonds aur dusre assets jaise securities me invest kiya jaata hai. Mutual funds ko ek professional fund manager manage karta hai jo investors ke behalf me securities ko khareedta aur bechta hai. Har investor mutual fund ka ek share owner hota hai aur share ka value underlying assets ke performance ke hisaab se tay hota hai.

Mutual funds individual investors ko diversified portfolio of securities me invest karne ki opportunity pradaan karte hai, jo wo khud afford ya manage nahi kar sakte. Investors apne investment objectives, risk tolerance aur investment horizon ke hisaab se kai mutual funds me se choose kar sakte hai.

Mutual Fund kaam kaise karata hai?

Mutual Fund ek tarah ka invest karne ka upkaran hai jo kee vibhinn securities jaise ki stocks, bonds aur anya sampatti mein invest karane ke lie kee sambhavanaon se paise ekatr karata hai. Mutual fund ko ek vyavasayik fund manager dwara prabandhit kiya jata hai jo niveshakon ke hit ke lie securities kharid aur bechata hai. Pratyek niveshak ek mutual fund ka ek bhagidar hota hai aur share ka mooly adharabhoot sampatti ke pradarshan ke adhar par nirdharit hota hai.

Mutual Funds vyaktigat niveshakon ko vistrutikaran ki ek avasar pradan karate hain, jise ve apani shakti ya upabhog nahin kar sakate hain. Niveshak apane nivesh ke lakshy, risk sahanashakti aur nivesh kalpana ke adhar par kai prakar ke mutual funds mein se chun sakate hain.

Mutual Funds Ke Types

Kai tarah ke mutual funds hai, jisme se har ek apni investment objective aur strategy rakhti hai. Kuch common mutual fund types hai jaise:

Equity Funds: Equity funds alag-alag companies ke stocks me invest karte hai. Ye funds investors ko strong growth potential wali companies ke stocks me invest karke long-term capital appreciation pradaan karna chahte hai.

Debt Funds: Debt funds fixed-income securities jaise bonds, debentures aur dusre debt instruments me invest karte hai. Ye funds investors ko high-quality debt securities me invest karke regular income aur capital appreciation pradaan karna chahte hai.

Balanced Funds: Balanced funds equity aur debt securities dono me invest karte hai. Ye funds investors ko capital appreciation aur regular income ka balance pradaan karna chahte hai.

Index Funds: Index funds stock market index jaise S&P 500 ki performance track karte hai. Ye funds investors ko unke track kiye jaane wale index ke hisaab se returns pradaan karna chahte hai.

Mutual Fund ki Advantages

Mutual funds mein invest karne ke kai fayde hai, jaise:

Diversification: Mutual funds alag-alag securities mein invest karte hai, jisse kisi ek security ki kami ke karan nuksaan ka khatra kam ho jata hai.

Professional Management: Mutual funds ko professional fund managers dwara manage kiya jata hai, jo securities select aur manage karne mein mahir hote hai.

Liquidity: Mutual fund shares ko aasani se khareed aur bech kiya ja sakta hai, jisse investors ko liquidity prapt hoti hai.

Affordability: Mutual funds individual investors ko ek diversified securities portfolio mein invest karne ka mauka dete hai, jo ek relatively low cost par available hota hai.

Mutual Funds mein Invest Karne ke Nuksan

Mutual funds mein invest karne ke kuch nuksan bhi hai, jaise:

Fees: Mutual funds mein management, administration, aur anya kharchon ke liye fees li jati hai, jo investors ke overall returns ko kam kar deti hai.

Lack of Control: Mutual fund investors ko un securities par control nahi hota hai, jo fund manager select aur manage karta hai.

Underperformance: Kuch mutual funds market ya dusre similar funds se kharab performance kar sakte hai, jisse unke management ya anya factors ke karan nuksaan ho sakta hai.

Mutual Funds mein Invest Kaise Karein?

Mutual funds mein invest karna bahut hi aasan hai aur iske liye kuch simple steps hai:

Apne Financial Goals aur Risk Tolerance ka pata karein: Pehle apne financial goals aur risk tolerance ko define karein, jisse aapko pata chalega ki aapko kaunsa mutual fund select karna hai.

Research karein: Mutual funds ki research karein aur apne investment goals aur risk profile ke anusar kuch mutual funds ko select karein.

Demat Account open karein: Demat account kholein, jo aapko securities ko electronic form mein store karne aur transfer karne ki anumati deta hai.

Mutual Fund house se account open karein: Mutual fund house mein apna account open karein aur usmein invest karein.

SIP ya lump sum investment karein: Mutual fund mein SIP ya lump sum investment karein, jisse aapko regular income aur capital appreciation ki suvidha prapt hogi.

Conclusion

Mutual funds mein invest karna ek aasan aur prabhavi tarika hai, jisse aap apne financial goals ko achieve kar sakte hai. Lekin, aapko apne risk profile aur investment goals ko dhyan mein rakh kar sahi mutual fund ko select karna chahiye. Iske alawa, aapko mutual fund charges aur performance par bhi dhyan dena chahiye, taki aapko apne investment se maximum return mile.

Adhik Jankari ke liye yahan clcik karein

[cakeofrings]

What is Exchange Traded Funds (ETF) ? | Mutual Funds Sahi Hai

An ETF is an Exchange Traded Fund, which unlike regular Mutual Funds trades like a common stock on a stock exchange.

The units of an ETF are usually bought and sold through a registered broker of a recognised stock exchange. The units of an ETF are listed in stock exchanges and the NAV varies as per market movements.

[myidealmoney]

Start SIP and Grow Your Money

Provide Best Financial Services with Experience.

Join @myidealmoney and get free financial services.

Please contact me for any further questions.

Email ID - contact@idealmoney.in

[chamunda-investment20]

5 Mistakes to Avoid in Mutual Funds Investments

We often hear that "Mutual funds sahi hai," but investing in them requires a strategic approach to avoid potential losses. Here’s a quick guide on what mutual funds are and the key mistakes to avoid.

What Are Mutual Funds?

Mutual funds pool money from many investors to buy a diverse range of stocks, bonds, or other securities. They are managed by professionals aiming to generate returns based on the combined performance of these investments. If you wish to get started, reach out to a mutual fund agent in Mumbai.

Mistakes to Avoid While Investing in Mutual Funds

Here are the 5 mistakes every investor should avoid while investing in mutual funds.

1. Not Understanding the Fund’s Objective

Each mutual fund has a specific goal, such as growth or income. Choose a fund whose objective matches your investment goals. For example, if you want long-term growth, consider equity funds; for regular income, look at debt funds.

2. Ignoring the Expense Ratio

The expense ratio is the fee charged by the fund for managing your money. High fees can reduce your returns over time. Always compare expense ratios and choose funds with lower fees to keep more of your gains.

3. Overlooking the Risk Factor

Different funds have varying levels of risk. Equity mutual funds are risky but they also offer higher returns, while debt funds are less risky. Assess your risk tolerance and choose funds that fit your comfort level to avoid surprises.

4. Focusing Only on Past Performance

Past performance doesn’t guarantee future results. Instead of relying solely on historical returns, consider the fund's strategy, the fund manager’s experience, and overall consistency to make a better choice.

5. Not Diversifying Your Investments

Avoid putting all your money into a single fund or type of fund. Diversify across different funds, like equity, debt, and hybrid, to spread risk and balance your portfolio’s performance.

Conclusion

Investing in mutual funds can be beneficial, but avoiding these mistakes is crucial for success. A mutual fund investment company in Mumbai like Chamunda Invest, can help investors understand the fund’s goals, watch the fees, consider the risk, look beyond past performance, and diversify their investments. By following these tips, you can better navigate mutual funds and work towards achieving your financial goals.

[dreeamfunds]

"SIP: Because slow and steady wins the wealth race." ( Power of Compounding )

[mutual-funds-journey]

A youngster's perspective on mutual funds

As a young girl I had only learnt about mutual funds in the first year of college in my financial literacy class that too theoretically. So, what I had understood about mutual fund was just the fact that it meant investing in a diverse portfolio. But to go deeper into this I decided to search ‘Mutual Funds Sahi Hai’ on Google and this really helped me understand the entire concept of Mutual Funds in a very easy manner.

I learnt that Mutual Fund is basically a investment fund that collects money from a number of investors who share a common investment objective. Then, it invests the money in equities, bonds, money market instruments and other securities. Each investor owns units, which represent a portion of the holdings of the fund. The income generated from this collective investment is distributed proportionately amongst the investors.

Plus, the biggest advantage it offers is professional fund management so one does not really need to track the investments, there’s a professional manager who does that for you.

The most important thing to keep in mind while investing in mutual funds is goal setting because according to that goal investment is made in equity, debt or hybrid fund. For me I feel there could be 2 goals essentially:  

Post Graduate studies

Buying a car of my own

Savings for down payment for buying my own house with a long term horizon

Also, one more thing to keep in mind is the risk one is comfortable to take so accordingly investment is made in equity which has a higher risk and for lower risk debt funds are suitable. For this, it’s important to search a little on the kind of mutual funds and I checked out this site of Standard Chartered Bank providing in detail the different kinds of funds to invest in. It suggests the top mutual fund picks for you, based on a comprehensive analysis of the market and in alignment with your risk profile.

Do check this out:  https://www.sc.com/in/investment/fund-select/

Personally, I started investing in mutual funds just 6 months ago in HDFC Mid Cap Opportunities Fund after researching and reading about the different kinds of funds and that companies.

My approach as young investor was as follows:

(1). Study the Mutual Fund market. In the stock market are divided on the basis of their market capitalization into the following: -

Small-cap - Companies with a market capitalisation of less than Rs. 5,000 cr. are small-cap companies.

Mid-cap - Companies with a market capitalisation of more than Rs. 5,000 cr. and less than Rs. 20,000 cr. are known as mid-cap companies.

Large-cap - Companies with a market capitalisation of more than Rs. 20,000 cr. are known as large-cap companies.

2). Outline the Goal and timeframe

3). Understand the Risk appetite:

 Aggressive

 Balanced

 Conservative

4) Understand Investment Amount and Frequency of Investment- Decided to go for a monthly investment to get the benefits of compounding.

Conclusion: As per calculations,

 At 12% , a monthly SIP of Rs 10,000 would give a return of Rs 8,03,413 over a period of 5 years &

At 15%,a monthly SIP of Rs 10,000 would give a return of Rs 8,63,307 over a period of 5 years

In terms of risk, Mid cap companies somewhere stand in the middle, neither too risky nor very less risk. Similarly, mid cap companies are considered to be moderately volatile. Thus, made the decision by carefully studying and researching on the above factors I have been investing in HDFC Mid Cap Fund with a monthly SIP of Rs 10000. This is just the start of my Mutual Fund journey and hope to learn even more and get better returns.

[krishkhatri1201]

Know the Scheme performance or Fund Performance of the companies. Know the various info of Funds such as benchmark, latest NAV etc at Mutual Funds Sahi Hai