Systematic Investment Plan (SIP), stands as a cornerstone strategy for wealth creation and financial stability. For nearly two decades, one steadfast investor embarked on a remarkable journey through the landscape of SIPs, refining strategies, embracing volatility, and reaping the rewards of consistent, disciplined investment. Let’s learn from the two decades of SIP investments. The purpose…
In today’s financial landscape, choosing the right investment for your hard-earned money is a crucial decision. While traditional bank fixed deposits have long been a favorite, debt funds are emerging as a strong contender. In this article, we will explore why debt funds are gaining popularity and why they may score over bank fixed deposits….
Let’s unlock the wealth for ourselves. There exists a universal dream among people of building wealth and securing a brighter financial future. But we often hear the cry of those who say they lack the savings required to venture into the world of investments. Hence, they procrastinate, being convinced that the doors to financial prosperity…
The purpose of this article is to highlight the impact of new tax rules applicable to debt mutual funds. Debt Mutual Funds Taxation is an important aspect of investing in these schemes. Investors need to be aware of the tax implications of their investments in debt mutual funds. It is especially true in light of…
The purpose of this article is to compare SIP vs Lumpsum investment as two distinct investing strategies. Investors often face the dilemma of whether to choose SIP or lumpsum investment. Both methods have their pros and cons. This article will help you understand which one is suitable for you. For quick answers, read the FAQs….
Investing in mutual funds is popular among investors seeking to diversify their portfolios. It is especially suitable for people with long-term financial goals in mind. One type of mutual fund that has gained traction in recent years is the fundamentally weighted index mutual fund. The concept is still not as popular in India, but with…
The purpose of writing this article is to highlight how the expense ratio is calculated and deducted by mutual fund schemes from our investments. Many people think that the expense ratio of mutual funds is a one-time expense. But on the contrary, it gets deducted from our investment on a daily basis. The daily deduction…
Why Iām blogging about this topic? SIP is an investment method that most people use to invest gradually and consistently. It is a very practical method to accumulate wealth over time. But there is a way to make the SIPs even more effective. Step-up SIP is the way to do it. I feel the conventional…
Debt mutual funds are investment instruments that cater to the need for risk-averse investing. These mutual funds primarily include only those securities in their portfolio that yield fixed returns. Moreover, unlike equity funds, the safety of the invested capital is ensured in debt funds. The securities included in the debt fund’s portfolio consist of treasury…
In the next 20-years investment horizon, one sector that stands out from the rest is Pharmaceutical. Though, as a whole, this sector is not as profitable, there are pockets of value. Stocks of a few companies stand out. But if direct stocks are not for you, pharma ETFs will do. The Exchange Traded Fund (ETF)…
What is IDCW in Mutual Funds? IDCW is an abbreviation for “Income Distribution cum Capital Withdrawal.” As per SEBI Circular no: SEBI/HO/IMD/DF3/CIR/P/2020/194, dated October 05, 2020, all dividend plans must be renamed. These days, the term dividend does not appear in the scheme names. The change of name was effective since 01-Apr’2021. Currently, the fund houses offer…
Recently a friend asked me about how exit load in SIP is calculated. Before we can answer it, let’s understand a bit about the exit load itself. Check our Mutual Fund Screener. We have mainly four types of mutual funds in India, equity, debt, hybrid, and gold funds. Among these types, the majority carry an exit…
