Investing Insights

How NOT to plan your Retirement!

Retirement planning is no joke, and avoiding these common mistakes can make all the difference in your future. Start early, invest wisely, and factor in the rising costs of healthcare and inflation. Don’t depend on traditional, low-return instruments or on your kids to bail you out. Take control of your financial future today, and retire with peace of mind!

How Not to plan your Retirement!

Read this blog to learn things to avoid while planning for retirement. Reconsider your investment strategy if you are doing anyone of these. To know more, visit FinEdge now.

6 Things You Need to Know About Child Education Planning

Like most Indian parents with young kids, you most likely aspire to provide your child with a top-quality education. However, being able to successfully fund a great education for your kid requires advance planning, and the determination to stick to a long-term plan resolutely. Here are five important things for you to keep in mind.

What is a SIP Investment?

Systematic Investment Plans (SIP) have grown tremendously in popularity over the past few years. It is estimated that nearly Rs. 60,000 Crores of savings have been deployed into Mutual Funds in 2017-18 using SIP’s. With SIP’s, investors can automatically invest a fixed sum of money in a mutual fund at pre-specified intervals of time – for instance, once a month, week, or fortnight by issuing a one-time instruction for the same. Just like a Recurring Deposit (RDs) for mutual funds, SIPs help you invest regularly and with discipline; they also take away the hassle of having to manually invest money every month.

How to invest in Mutual Funds profitably

With its steadily growing asset base that recently topped the Rs. 22 trillion (22 lakh crore) mark, Mutual Funds have grown in popularity over the past three years. However, not all investors would share AMFI’s view that “Mutual Funds Sahi Hai”!

What is an Equity Mutual Fund?

Despite the stock markets predominantly declining since the Union Budget on 31st January, net inflows into Equity mutual fund (MF) schemes continued to remain strong last month. According to data from AMFI, Equity funds (including ELSS) witnessed monthly net inflows of Rs. 16,268 crore in February ‘18, up 5.7% month on month, and more than 150% on a year on year basis. The increase was mainly driven by sustained inflows through Systematic Investment Plans (SIPs). According to data from AMFI, the cumulative SIP contribution has been Rs. 53,646 crore so far in FY2018.

Mutual Fund Investment Traps to Avoid Right Now

Vibrant markets tend to spawn many a self-advising ‘expert’, and that’s a phenomenon that proliferated widely in the years between 2012 and 2017. Equity markets rose (albeit with its share of jitters in between!) prolifically in this period, with the bellwether NIFTY index more than doubling from 4,800 to 11,000 levels. At the same time, bond markets delivered excellent returns in the 3 years between 2014 and 2017, on the back of multiple tailwinds such as low inflation, falling crude prices and global economic weakness.

4 Basic Mutual Fund Investment Rules

Whether you’re a short-term investor or a long-term one, a high-risk taker or risk averse; there’s a Mutual Fund out there to suit your needs. Mutual Funds Sahi Hai, but only if you follow a few basic principles while investing in them. Here are four important rules for you to follow while making mutual fund investments.

3 Debt Mutual Fund Investment Myths to watch out for

While debt funds offer a safer option compared to equities, it's important to debunk these myths before diving in. Remember, terms like 'income' or 'fixed' don’t guarantee what they may seem to promise. Always do your due diligence and be aware of the risks involved, especially with GILT funds and FMPs. Debt funds are about managing risk, not avoiding it entirely!

How to invest into Mutual Funds using STP’s

Despite their widespread proliferation, many investors remain confused about how to invest in mutual funds using STPs or ‘Systematic Transfer Plans’. This article will present a few simple rules for you to make your STP-led mutual fund investments a whole lot more effective. But first – the basics.

Guide: How to invest in an ELSS

With barely a week left in the Financial Year, there will be many who will be engaged in a last-minute scramble to invest into tax saving investments. One some instrument of choice is a ‘tax saving mutual fund’, also known as an ELSS. If you’re one of them, here a simple ready reckoner on how to go about with investing in an ELSS.