Everything you want is a Click Away... Remember those Pop Ups asking us to purchase an insurance policy online... We Are The Best Financial Products Available Online And We Know How To Serve You Best ... Protection Of Your Loved Ones Just A Click Away… Remember that Dream house you wanted to Purchase? We have heard the phrase" Knock And The Door Will Be Opened " Doesn’t purchase of ...
We have all heard of mutual funds and the benefits they provide. Many of us have been approached by an agent or a Distributor who offers to sell us mutual funds. Here from January 1st 2013 Asset Management Companies have to mandatorily introduce direct plans for all mutual fund schemes. It is but obvious that the distributor would not mention this to us unless asked. Let us consider a Distributo...
I would like to start this article by saying that after driving our car for a certain number of kilometers we go for an engine checkup and oiling of its essential parts .Similarly mutual funds just like most financial products needs reforms. The Indian Mutual Fund industry witnessed the entry of a number of Private Sector mutual funds and also foreign fund management companies in the mutual fu...
Direct Taxes 5% surcharge on domestic companies whose income exceeds Rs 1 crore 10 % surcharge on domestic companies whose income exceeds Rs 10 crores Surcharge on Dividend Distribution Tax (DDT) increased from 5 % to 10% Securities Transaction Tax (STT) rates cut on equity futures to 0.01% and for Mutual Funds to 0.001 % Commodities transaction tax (CTT) levied on non-agriculture comm...
We’ve often heard of "the secret of successful investing is to diversify their risk" - so how does one go about this? And what does diversification really mean - does it only mean that one should spread ones portfolio across various types of assets, in terms of cash, debt, shares, mutual funds, deposits etc? Or can one diversify ones portfolio even further? Looking at the investment instru...
Beta This common measure compares a mutual fund's volatility with that of a benchmark and is supposed to give some sense of how far you can expect a fund to fall when the market takes a dive, or how high it might climb if the bull is running hard. A fund with a beta greater than 1 is considered more volatile than the market; less than 1 means less volatile. So say your fund gets a beta ...
Millions of investors have come to rely on mutual funds as their primary investments. If you are thinking of investing in a mutual fund, you should remember that they are only one of the many types of investments and that, as with any investment, you should know and understand the nature and risks of mutual funds and options available to you before you invest any of your money. You can earn mone...
A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. The money thus collected is invested by the fund manager in different types of securities depending upon the objective of the scheme. These could range from shares to debentures to money market instruments. The income earned through these investments and the capital appreciations realized ...
The process of identification, analysis and either acceptance or mitigation of uncertainty in investment decision-making. Essentially, risk management occurs anytime an investor or fund manager analyzes and attempts to quantify the potential for losses in an investment and then takes the appropriate action (or inaction) given their investment objectives and risk tolerance. Inadequate risk manage...
If you are a budding investor, got some spare money and thinking of investing in stock markets and for the first time you walk into broker’s office, tell your broker about your interest. The first thing that broker would be telling is “diversification or portfolio construction”. If you know the word its well and good, but if you don’t have any idea about it then you will ...
With the abolishment of the entry load in mutual funds, the industry is at crossroads as to how and who will pay the brokers. For the past many decades brokers were paid a small percentage of the entry load that was charged to the investors. For an investment of Rs100, the entry load was around Rs.2.25 meaning only Rs.97.75 of the investors’money was actually invested. The investors didn&r...
This article will provide you a brief overview of exotic options. Exotic options are either variations on the profiles of payoff of the plain vanilla options or wholly different kinds of products with optionality embedded in them. It is necessary to notice that the exotic options market is most developed in the foreign exchange market. Here we will have an idea as to what is exotic option, how i...
Portfolio Portfolio-Management is used to select a portfolio products that help in maximize the profitability or value of the portfolio and to provide balance. Before we go in detail about portfolio management we first need to understand what exactly portfolio means. Portfolio is a grouping of financial assets such as stocks, bonds and cash equivalents, as well as their mutual exchange-traded a...
Mutual Funds Mutual Funds are pool of money collected from investors. The collected money will be invested in the markets such as equity, debt, money market, etc. Mutual Funds are managed by professionally qualified fund managers, the professionalism and experience of the fund manager will help you in generating huge returns out of the investment. There are different types of Mutual Funds in th...
Government Securities India Government Securities are securities issued by the Government for raising a public loan. They are a major means of financing Government deficits. It consists of Government Promissory Notes, Bearer Bonds, Stocks or Bonds held in Bond Ledger Account. They may be in the form of Treasury Bills or Dated Government Securities. Government finances its operations largely thr...
A mutual fund is a pool of money that is managed by an Investment Company on behalf of investors. Management of fund is done by a professionally qualified Fund manager. The company raises money from shareholders and invests in a group of assets, in accordance with a stated set of objectives. The fund manager uses the collected money to buy stocks, bonds and other securities according to specific...
The costs involved in any investment determine the returns it can generate. In case of mutual funds, the daily NAVs are too volatile, but the costs are never adequately mentioned nor fully understood. These costs vary from fund to fund, just like NAVs and their impact on different categories of funds is different. Always understand that there are hidden charges in Mutual Funds. But it won’...
Everyone likes to see their hard earned money grow quickly. But there are no quick gains. An investment has to be long term in order to be really beneficial. As you make up your mind to invest, make sure you are ready to keep patience. Besides, risk factor is always there to escort your investment. So, you should be absolutely clear in your mind, what you want. Whether it’s Life Insurance ...
Many people invest without effectively learning about the investment process or the different investment products and without considering what they really want to achieve over a long period of time. These classes of investors often react to the short-term fluctuations of the markets. By listening to the advice of self-proclaimed gurus they will buy “stocks” at exactly the wrong time,...
Debt funds are funds that invest in “debt instruments”, which include government securities, corporate bonds and money market instruments. These are called debt instruments because the issuers have borrowed money from the lender (investors) by issuing these securities. These “debts”, mainly known as “bonds”, are income generating properties i.e. investors rece...
