Consider these 5 factors while making lump-sum investments in mutual funds

Consider these 5 factors while making lump-sum investments in mutual funds

The most important principle in lump-sum investing, especially in equity funds, is to maintain your calm and equanimity. Most of us are aware of the merits of systematic investment plans (SIPs). As compared to lump-sum investing, SIP is simpler and more elegant over a longer period of time. But there are occasions when lump-sum investing becomes essential. For example, you may have received a large bonus from your company or you may have sold off a piece of land or property. These are situations that may necessitate lump-sum investing. The…

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5 ways to beat the sharp cut in FD rates

5 ways to beat the sharp cut in FD rates

Interest rates on bank FDs have started coming down and rates on other fixed-income products will also decline. Investors should lock into instruments offering higher returns, reports Sanjay Kumar Singh. Being flush with liquidity and having limited avenues to deploy their funds, banks have begun to cut deposit rates. The State Bank of India, ICICI Bank and HDFC Bank, among others, have reduced fixed deposit rates by 15 to 25 basis points (bps) for retail (small) deposits. For bulk deposits (Rs 1 crore and above), SBI cut rates by 125…

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Mutual Fund Investment – How to use them to make periodic payments

Mutual Fund Investment – How to use them to make periodic payments

Life comes with several and varied desires and dreams, but seldom provides the financial backing to fulfill them. A Financial Planner therefore insists on a contingency or emergency fund that would cater to the normal expenses during unusual or difficult times. Often fortune smiles and with a career move, promotion or otherwise cash flows become bulky. An increment, bonus, investment payoff or windfall may be followed by a regular and planned expense or investment. Make the most of this. Money has the happy habit of making more money. Let your…

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Dividend or Growth: Which MF option is better for you?

Dividend or Growth: Which MF option is better for you?

While dividend option on debt fund works for those looking for regular income, all other investors should invest in growth option When Shweta first met her financial advisor, the idea of a mutual fund really appealed to her. She was really delighted that she could create wealth through equities and also get the benefit of diversifying her risk. But she was really spoilt for choice. There were over 35 fund houses and over 1000 schemes on offer. Further each scheme had a direct plan and a broker plan. Then you…

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SIP your way to wealth with stocks

SIP your way to wealth with stocks

Identify a few long-term growth stocks and invest small amounts in these each month to create wealth Systematic investment plans (SIPs) of mutual fund houses are currently the flavor of the season. According to fund managers, retail (small) investors have entered equity funds largely via the SIP route in the past two years. This new, and possibly savvier, generation of investors is not making one-off bets on equities when the markets are at or near their peak. They are focused on long-term wealth creation and don’t stop their SIPs even…

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Mutual funds purchase on mobile wallets – SEBI’s new Idea to boost it’s investment

Mutual funds purchase on mobile wallets – SEBI’s new Idea to boost it’s investment

Mutual Funds purchase to become a breeze through mobile wallets NEW DELHI: With the number of smartphone users in the country increasing every day, electronic payment applications or mobile wallets are creating the next wave of change in the way people make payments. Capital market regulator Securities and Exchange Board of India (Sebi) is planning to cash in on this opportunity and has initiated efforts to broaden investor participation in the equity markets. The capital markets regulator is mulling allowing purchase of mutual funds units using digital wallets or e-wallets.  …

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What you need to do to save enough for your Child’s Education?

What you need to do to save enough for your Child’s Education?

Best Investment Instruments & Strategies for Saving for a Child’s Education Providing the best education to their children is every parent’s dream and one of the biggest goals. But are you saving enough or investing in the right instrument to achieve this goal? From child plans offered by insurance companies to the Sukanya Samriddhi scheme for girl child, there are a plethora of investments in the market. So which option to choose and how much to invest are the most critical questions. First, you need to set a target. It…

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Gold prices rise: Equity gold mine MFs soar 100% this year

Gold prices rise: Equity gold mine MFs soar 100% this year

Gold Rates piggyback Equity Gold Mine MFs to soar 100% this year Can you guess which is the best performing asset in the last one year and so far in 2016? If by the sky high gold rates you think it is gold, you are slightly off the mark. The answer is equity mutual funds (MFs) that invest in global funds which, in turn, own shares in gold mining companies. These `feeder funds’ have surged over 100% so far in 2016 and gained in excess of 80% in the last…

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