MUTUAL FUNDS

What is driving liquidity in the markets?

The current rally in Indian market is fuelled by strong liquidity from domestic investors. With low bank fixed deposit rates, subdued real estate market (with high transaction cost) and stagnating gold prices, equities seems to be the most viable domestic investment avenue for investors. Thus in spite of the markets reaching all-time highs & rich …

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Equity savings fund- New kid on the block

Equity savings fund is a new variant in the equity mutual fund basket. They had emerged after the Union Budget 2014 increased the holding period for debt mutual funds to qualify as a long-term capital asset from one year to three years. The funds aim to generate returns from equities, arbitrage trades, and fixed income …

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Balanced funds for monthly dividends- Temporarily Regular…

‘Balanced funds’ fall in the hybrid category of mutual funds and invest more than 65% of the corpus into equities, while the rest is allocated among fixed income instruments. Older retired investors are considering investing into such equity focused funds. They seem to be pretty impressed with the monthly dividends being generated by balanced mutual …

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invest equities

How much to invest in equities

One of the initial investment decisions that one has to make is what proportion of assets to invest in equities & what proportion in debt. One of the basic thumb rules used over the years to decide on equity allocation is the 100 minus age allocation. The risk taking capacity of a person is maximum …

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Using SIP & STP for investing & SWP while redeeming…

Timing the market is the most difficult thing to do as no one can really say when the market is bottoming out or hitting the top. Thus the best way to put your money into mutual funds would be in a staggered manner through systematic investment plan (SIP) or through systematic transfer plan (STP) after …

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SIP online

How to start a Mutual Fund SIP online…

Systematic Investment Plan or SIP has become extremely popular among mutual fund investors with superior performance of equities over the last one year. An SIP is a simple tool that helps you to invest regularly in mutual funds. It is advisable to to invest in equity mutual funds only through SIPs as it negates the …

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Financial decisions

Better late than never: Financial decisions you should take now

Most individuals run around in February- March every year to complete their tax savings investments and then forget about money and taxation when the new financial year starts in April. NOW is that time of the year when you should start investing for next financial year slowly & steadily so that you don’t have to …

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Interest rate fall- Think beyond bank fixed deposits…

Though lending rate decline is good news for home loan buyers, decline in FD rates are making investors worry. With interest rates for deposits falling to 6-7% levels retail investors are feeling the pinch. So how to deal with a falling interest rate scenario and are there alternatives is what investors are thinking now. Mutual funds, …

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traditional plan

Why traditional plan don’t make sense

I am an advisor following the old school of thought. Firstly don’t mix Investment with Insurance. They are distinctly different and serve different purpose. Secondly once segregated focus on value investing & slowly but steadily building up your corpus with a judicious mix of equity & debt. Now let us understand the different investment avenues. …

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