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Finance Forum India

Share your thoughts on finance education, economic developments, capital markets movements or your professional experience in the field of finance.

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How do Mutual Funds Work?

Mutual funds are probably the safest investment choice for the newer and even the most experienced investors. A mutual fund is managed by an expert fund manager who maintains and invests all the money in the fund on behalf of the investors. The most important part to know about mutual fund Investments is that they are diversified. It means that the fund manager does not invest the money in just stocks or in any one investment instrument. The fund money is invested in multiple securities, ranging from the safest ones to the most profitable ones. This way, your investments in a...
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LumpSum vs. SIP - Which Investment Gives better Returns

Opting for mutual funds (MFs) gives you the opportunity to invest in the capital markets while reducing your risks. However, you may want to know whether investing a lump sum or opting for a systematic investment plan (SIP) is a better option. If you are a disciplined investor, both these options are advantageous. When you invest your capital as a lump sum, you are able to build wealth over a longer period of time. The power of compounding gives you the opportunity to enjoy capital growth in the long-term. On the other hand, SIPs provide averaging cost opportunities. Under such options,...
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An Ivy League is Not Financially Out of League with Proper Mutual Fund Investment

For an average Indian household, children’s education continues to be one of the biggest expenses. Education costs are constantly rising and planning for this outflow is very important. Lifestyle inflation also affects the cost of your child’s education. As living standards become higher, parents want to send their children to the best institutions. Furthermore, children grow up in a certain atmosphere and do not want to attend government institutes that do not offer the latest and best technologies. In this situation, financial planning is crucial to ensure your child’s education is not compromised. You may be able to build the required...
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How to Pick a Mutual Fund Scheme

Investing in mutual funds has become something as simple as grocery shopping. However, picking the right type of mutual fund is essential if you want to achieve your financial goals. There are a variety of mutual funds available in the market, hence picking the right one can often be confusing. You can choose to invest in a mutual fund as a lump sum or choose an MF systematic investment plan. The right type of mutual fund is not always the one that gives you the highest returns. When it comes to investing in mutual funds, you need to consider a variety...
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Financial Tips for the Newly Married

Your marriage is probably the first most important life event for which you may start saving. It marks a new beginning for a lot of things; new spending habits and new savings targets. Here are five financial tips if you are newly married. Discuss your finances It is imperative that you share all the financial commitments and mutually prioritize them. You must gain a clear understanding of your total income, expenses, and liabilities. Here is how to achieve this. Get a comprehensive and clear picture of the current and future total income Work on clearing the loans, if any, at the...
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SIP Investments Make the Most Sense in the Current Market Scenario

If you are not well-versed with stock market investing, you may be wary of the high risks. It is also possible that you may know the stocks you want to buy but are unsure about the quantity. The inherent risk of adverse price movements is prevalent in the stock market. You may be wondering how to protect yourself against such risks. One way to do this is to invest in equity mutual funds. However, mutual funds attract fund management charges. Over a long period, these charges may be a huge amount. All the aforementioned challenges may be overcome through systematic investment...
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The Consequence of Delay in Investing. Should you wait till 30?

For many, just the thought of financial planning strikes fear and anxiety. Most young people falsely believe that they have enough time to invest in the future and inevitably delay their investment process. It may be due to lack of awareness or out of sheer lethargy, but regardless of what keeps you from investing before you turn 30 and the proverbial reality check makes you take control of your finances – the consequences are precious years lost that could’ve earned you great returns. By “waiting for the right time”, you may be missing out on the power of compounding. Beginning your...
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ELSS Funds Simplified

Equity linked savings schemes (ELSS) offered by mutual funds are a good investment avenue for investors with the risk profile to save tax as well as generate higher returns on their investments. Here we look at frequently asked questions pertaining to this category.    1.       What is ELSS? ELSS are schemes offered by mutual funds, which allow investors to save tax under section 80C of the income tax act. Investments up to Rs 1.5 lakh in the schemes are allowed as deduction from taxable income as per the income tax laws. However, to claim benefit, investment in these fund need to be locked...
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Why should you invest in Mutual Funds?

When looking for investment opportunities, almost every investor finds it extremely challenging to choose from a plethora of options. One can choose from so many possibilities including stocks, bonds, shares, and money market securities, however, each one of these has its own set of challenges and benefits. Mutual funds allow investors to pool in their money into different varieties of securities, managed by an experienced fund manager. You can choose from a variety of products such as exchange-traded funds, Fixed Maturity schemes, and Sectoral Funds amongst others. So why should an investor choose to invest in mutual funds over other options...
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Getting to Know Mutual Funds, a bit better

What’s the next plan with your disposable income? When you have decided to let your money work for you, there are several options that you can consider to build your corpus of funds. Envisioning a future with accumulated and regular income can be realized with the right amount of diversity in investments. While investing in insurance, pension funds and fixed deposits is ideal, one should consider opting for mutual funds in India that have a good mix of debentures or govt. bonds and direct equity products. Investing in mutual funds – Know the basics, first! A mutual fund contains a mix...
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