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December 31, 2021 Business 0 Comments

Mutual Fund vs Stocks - Which Gives More Returns ? | ज़्यादा Returns किसमे है

December 31, 2021 Business 0 Comments

Mutual Fund vs Stocks - Which Gives More Returns ? | ज़्यादा Returns किसमे है

Stocks are financial instruments issued by companies, which gives Investors part ownership in a company. Investors park their surplus into stocks mainly for capital appreciation, dividends, and also for voting rights, which allows them to be a part of key company decisions.

In common parlance, stocks are also known as shares and as equities.

Mutual Funds, on the other hand, are financial instruments wherein money is mobilized from many investors and invested into different asset classes like equity, debt, gold, etc., depending upon the investment objective of the Fund.

Mutual funds are professional outfits that offer professional fund management capabilities and many fund choices. In fact, there are 3 major categories of funds which are – Equity funds, Debt funds, Hybrid fun. And then, there are solution-oriented funds like retirement funds and children’s Fund, plus other variations like index funds, exchange-traded funds, and Fund of Funds options.

Stocks or Mutual Funds: What should you pick?

Although both these options allow you to invest in equities, there are more than a few reasons that you should take the Mutual Fund route. Here are the top 7 reasons:

Portfolio Diversification

Mutual Funds invest in a large universe of stocks, which provides excellent portfolio diversification and reduces concentration risk. A good number of diversified funds in the Industry have 50 stocks or more in their respective portfolios.

This diversification helps in limiting the losses in the portfolio in case 1 or 2 stocks get impacted on account of some negative events. The fact that equity funds can take only 10% exposure into a particular stock also minimizes the risk element in the investments.

On the other hand, an investor’s stock portfolio generally tends to be 10 to 15 stocks. This equates to higher volatility in the portfolio, which will get tested when the market goes up and down.

Now, if you want to have the same kind of diversification as a Mutual Fund, you will need a large amount of money. Additionally, there are costs associated with buying and selling. For example, you will need more than Rs. 1 lakh if you wish to buy 1 share of each of the constituents of NIFTY 50.

The benefit of mutual funds is that even by investing a small amount of just Rs. 500 in a mutual fund, an investor gets exposure to a large set of stocks across market capitalization and different sectors in his portfolio.

2. Professional Management

Mutual Funds are professionally managed with a Fund Management team that does a lot of research on stocks, sectors, and the economy.

Once they decide on the universe of stocks, this team spends a considerable amount of time studying the financial statements of the companies and meeting up with the management of these companies, which allows them to get a holistic view of the stocks to be included in the portfolio. Most of the fund houses are also proficient with a robust risk management process, which puts in stringent binding constraints, which in turn does not allow the fund management team to take undue risks in their portfolios.

On the other hand, when it comes to stocks, Investors will have to spend a considerable amount of time researching stocks and multiple sectors to understand the headwinds and tailwinds in the underlying business. Investors dealing directly in stocks should also have a fair idea of the macro-economic scenario, which will give them a good perspective on which sectors and stocks can work well going forward.

This is an essential exercise, which needs to be done by the Investors as his portfolio of 10 to 15 stocks needs to be diversified across market capitalization and sectors depending on his risk profile.

In other words, the individual investor must do most things that the fund management team of fundamental analysts, technical analysts, economists, and risk modelers do. That is certainly not a beginner investor’s cup of tea from a time & effort perspective.

3. Cost

One of the economies of scale enjoyed by Mutual funds is in terms of the cost advantage, on account of the huge transaction volumes involved in the buying and selling of stocks.

Further, In 2013, SEBI had introduced Direct Plans for the mutual fund Industry. Under a direct plan construct, the fund houses subtract the commission payments to distributors from the operating expenses, which leads to a lower expense ratio for the investor.

On the other hand, if you buy stocks directly, then you will have to pay charges like Brokerage, STT, SEBI turnover charges, GST, transaction charges, etc. But the good part is that unless you are doing regular daily trading in stocks, these expenses tend to be low over the long

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December 29, 2021 Business 0 Comments

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Individual Insurance Plan Or Family Floater Plan - Which Plan To Choose ? | कोनसा प्लान चुने ?

December 27, 2021 Business 0 Comments

Individual Insurance Plan Or Family Floater Plan - Which Plan To Choose ? | कोनसा प्लान चुने ?

Visit : www.policyplanner.com to compare and choose the best insurance policy

While buying a health insurance plan, you will ideally have to choose between a Family Floater Health Insurance and an Individual Health Insurance.

The main difference between the two is that in a family floater health insurance, all family members are protected under one plan; this means both the premium and the total sum insured is shared amongst all family members; whereas an individual health insurance plan is dedicated to one person only, wherein the health insurance premium and sum insured is dedicated to one person only.

We’ve often heard of the common phrase, “Health is Wealth”. Perhaps we didn’t take it to seriously as kids but as time goes by, the truth within those three words only strengthens as we grow older, and the world gets ahead of us with every passing year.

Moreover, the expenses in context to healthcare too seem to be getting only higher. This is probably also why there are so many more options today when it comes to securing our health with a health insurance plan; this not only helps us securing our health and wellbeing but, also allows us the leeway to be financially secure.

Since there are so many options today when it comes to health insurance, it can get overwhelming to make the right decision. One of the most common doubts we’ve learned people have in choosing the right health insurance plan is in picking the right type of plan.

Broadly, when it comes to health insurance, there are two types of health insurance plans available no matter which health insurer you pick, i.e. a Family Floater Health Insurance and an Individual Health Insurance. We believe in transparency when it comes to insurance.

After all, it’s such a crucial financial decision, and we’re here to help you in making the right one. Hence, we’ve put down everything you need to know, when it comes to understanding the difference between a Family Floater Health Insurance and an Individual Health Insurance.

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Charges Involved In Mutual Funds Investing | Mutual fund में investing करने के खर्चे

December 23, 2021 Business 0 Comments

Charges Involved In Mutual Funds Investing | Mutual fund में investing करने के खर्चे

As an investor, it is very important to know what are the charges involved in investing in mutual funds. When your money is handled by a team of experts - stocks are bought and sold on your behalf, periodical communication is sent on investments, charges are given to the intermediaries etc and all these expenses come with a cost.

There are no free lunches. So the question is how much a mutual fund can charge? Is it one time in nature or regular?

There are broadly two types of charges:

1. One time charges:

Entry Load: The charges that are levied when the units are being purchased. The mutual fund would sell the unit price higher than the NAV. At present Mutual Funds cannot charge entry load.

Exit Load: The mutual fund would buy back the units at rate lower than the NAV. There are no fixed exit loads which are charged. It varies based on the scheme. The current practice is the funds could charge any way from 0.50% to 3.00% depending on the holding period. If the investors continue to hold the investment beyond the specified period, no exit load is charged.

For ex: An equity fund currently at an NAV of Rs. 72/- per unit charges exit load of 1% if the investor exits within 1 year of investment. If an investor wants to sell his mutual fund units, which were bought 7 months back the redemption NAV for such investor would be Rs.71.20/-

If the investor has sold 1000 units, the total exit load applicable would be Rs. 720/-. A Mutual Fund cannot use these charges for paying commission or meeting any of their expenses. This Rs. 720/ should be invested back to the fund, which would benefit the investors who remain invested for long term.

As per this illustration if the investor redeems after 1 year, there is no exit load.

Transaction Charges: These charges are one time charges applicable when the money is invested. This is applicable for the investments of over Rs. 10,000/-. This would be paid to the distributor/intermediary who is selling the fund.

The transaction charges of Rs. 100/- is charged for the SIP commitment of Rs. 10,000/- or above (not monthly SIP amount). The SIP transaction charges are deducted over 4 installments starting from 2nd installment to 5th installment.

2. Recurring Charges (Ongoing expenses/Fund Running Expenses):

The expenses are charged on Daily Net Assets of the specific mutual fund. The guideline rates are given by the regulator and Mutual Funds cannot charge more than the stipulated structure. The expenses are deducted every day from the Net Assets of the fund and NAV declared is after adjusting the expenses.

The above given rate are per annum and the expenses are calculated on daily basis.

0.30% of Total Expenses Ratio could be charged on the fund if 30% of the fresh inflows are from cities beyond Top 15 cities in India.

Does the expense ratio vary between funds?

There are two categories of diversified equity funds offered by different mutual fund companies. Fund A has a total size of Rs. 1000crs and Fund B has a total size of Rs. 100/- cr. Does it make the difference in-terms of the total expenses charged by the fund?

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EARN Monthly Income From Mutual Funds ! | हर महीने पैसे कमाइए

December 23, 2021 Business 0 Comments

Typically designed for conservative risk-averse investors and pensioners, the Monthly Income Plan is an investment option that parks money mainly in lower-risk securities.

It acts as a steady source of income for those individuals who want to create an alternate source of monthly income. The income generated through Monthly Income Plans is mostly in the form of interest and dividend.

However, monthly income scheme does not offer a fixed revenue, instead, like other market dependent investment options, returns is governed by the profit generated.

What are Monthly Income Plans?

The approach of monthly income scheme is primarily debt-oriented as over 70% – 80% of its fund goes into debt funds, while the remainder goes into stock options.

This is done with an aim to earn steady returns and capitalise on the investment whenever possible through equity exposure.

What are the Key Features and Benefits of Monthly Income Plans?

The following features and benefits of the best monthly income scheme make it a feasible investment option for risk-averse investors –

No limit: The scheme is flexible and does not come with any upper limit on its investment amount. It allows someone to invest in the scheme as per their capability and requirement.

Open-ended option: Monthly Income Scheme is an open-ended scheme. Individuals do not have to pay any processing charges as an entry load for entering the said scheme. Additionally, it comes with an exit-load that is less than 1% of total sum of investment.

Liquidity: An MIP scheme is more liquid when compared to most other schemes. As there is no lock-in period applicable on the investment, investors can choose to withdraw their funds to meet any unforeseen emergency.

Better returns: Earnings generated through a MIP are better than that of traditional fixed deposits and Post Office Monthly Income Scheme.

Guaranteed income: Investors are guaranteed to earn assured returns each month, despite the quantum of the sum varying depending on the financial market.

Lower-risk: MIPs are associated with lower-risk component. It is because money is invested in low-risk securities like preferred shares, fixed-income instruments and dividend stocks.

Professionally managed: MIP is managed by professional fund managers who are better equipped to understand the functioning of the investment market. They not just monitor schemes but also decide all the ‘when, how, and how much’ when it comes to switching funds to debts and equities.

What are the Types of Monthly Income Plans?

There are two types of investment options that can be categorized as the best monthly income schemes. These offer opportunities to earn dividends and accelerate wealth creation. The two types are –

Dividend-oriented monthly investment plan: The earnings generated through such plans are in the form of dividends. No tax is levied on the dividend paid to the individuals. Such dividends are paid from the distributable surplus by the AMC and are paid when the said fund is earns profit from the market.

Growth-oriented monthly income plan: Through this plan, earnings accrued on the capital get added to the invested amount. It facilitates wealth creation along with corpus growth.

What is the Tax implication of Monthly Income Plans?

Being a debt-oriented mutual fund, a Monthly Income Scheme is liable for taxation. Also, both long-term and short-term capital gains made through an MIP are applicable for taxation.

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Fixed Deposit Vs Mutual Funds - Which Is Better ? | क्या है सही ?

December 17, 2021 Business 0 Comments

Fixed Deposit Vs Mutual Funds - Which Is Better ? | क्या है सही ?

Perennially, Indians have vested their trust in fixed deposits, which prevalently speaks to the conservative mindset and lack of awareness regarding other investment options.

Fixed Deposits vs Mutual Funds

1. Meaning

Fixed deposit

A fixed deposit is a non-market-linked investment instrument, where you can park a specific amount for a predetermined period and earn interest at an agreed rate.

However, to earn returns in full, you need to keep your money locked in an FD account for a predetermined period.

Mutual funds

Imagine a bag full of stocks of different companies, bonds, corporate and government debentures, and other types of securities – that’s a mutual fund. This investment device pools the corpora of several investors and funnels it towards varied kinds of securities.

Mutual funds are generally liquid. Thus, investors can withdraw their money from MFs anytime they want.

2. Types

Fixed deposit

Cumulative FD – Here, the interest your FD balance earns periodically is reinvested into the account. Essentially, the interest is compounded.

Non-cumulative FD – By investing in this type of FD, you can receive periodical interest pay-outs.

Besides these, tax-saving FDs and senior citizen FDs are also some common types of fixed deposits in India.

Mutual funds

Equity mutual funds – The lion’s share of capital in equity mutual funds are invested in stocks.

Debt mutual funds – These funds comprise fixed-income instruments like debentures and bonds.

Hybrid mutual funds – Underlying assets include both stocks and fixed-income instruments in hybrid MFs.

You may come across other types of MFs as well, like fund-of-funds and index funds.

3. Returns

Fixed deposit

When you invest in a fixed deposit, you get to know what you will be earning by the end of the maturity period to the dot.

Financial institutions, however, revise the rates on which they are offering FDs from time to time based on factors like repo rate, which is currently 4%.

But, that does not affect the income of someone who has locked their investment previously at a specified rate.

The following table provides a glimpse into some of the historically highest FD rates for a maturity period of 3 – 5 years.

Year Interest Rate

1991 – 92 13%

1995 – 96 13%

1996 – 97 12% – 13%

1997 – 98 11.5% – 12%

1998 – 99 10.5% – 11.5%

Since 2013 – 14, FD rates had gradually declined except for FY19, when there was a marginal rise from 6.58% – 6.75% in 1-year FDs.

Mutual funds

In the case of mutual funds, returns depend on market conditions and how the underlying assets are performing.

Hence, the certainty of returns is lower, and investors assume varying degrees of risk depending on the asset allocation. For instance, in 2020, the ongoing economic crisis has stunted the performance of MFs, with the top equity funds offering an average 5 year return of around 10%.

However, in general, returns from mutual funds started to look promising after the economic liberalisation in 1991.

4. Taxation

Fixed Deposit

The interest income from FD accounts attracts TDS if:

It is more than Rs. 40,000 (for general citizens)

It is more than Rs. 50,000 (for senior citizens)

The interest income you receive from FD is added to your total income and taxed according to the slab rate.

But, if your total income in a year is less than Rs. 2.5 lakh, TDS is not applicable. In that case, you can submit Form 15G – for general citizens – or Form 15H – for senior citizens – to the financial institution.

Mutual funds

For equity-based funds, the taxation will be:

15% STCG if you hold the MF units for less than 12 months.

10% LTCG without indexation benefit if you hold the MF units for more than 12 months and your returns exceed Rs. 1 lakh.

For debt-based funds, the taxation will be:

20% LTCG with indexation benefit if the holding period is more than 36 months.

Returns will be taxed as per the slab rate if the units are held for less than 36 months.

5. How to Invest?

Fixed deposits

You can invest in a fixed deposit account by approaching any bank or NBFC. You need to deposit a lump-sum amount, which will be locked in for a period of your choice.

Mutual funds

There are two ways to invest in mutual funds –

Lump-sum

SIP

SIP provides the benefit of rupee cost averaging. You can approach an AMC or invest in MFs through third-party platforms.

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December 16, 2021 Business 0 Comments

What Is Credit Card ? Full Information | क्रेडिट कार्ड के बारे में पूरी जानकारी

December 15, 2021 Business 0 Comments

Policy Planner - Credit cards have become an important part of our financial transactions today. They can help us pay for things when we don’t have money to buy them immediately. They give us the liberty to pay for things later. But is it always a win-win situation for us as far as credit cards are concerned? How do credit cards work? And how do the issuers of credit cards, who pay on our behalf, earn profit from them? Also, what are the things that you should keep in mind while getting a credit card?

Did you know that if used well, #creditcards can make you wealthier instead of getting you into financial debt?

Getting a credit card can be the best thing you do for your financial discipline, provided you do it right. I will also talk about how I manage my finances to give me free #money through credit cards.

What is a credit card?

A credit card is a card that allows you to borrow money to pay for goods and services with the promise that you’ll repay the card provider what you owe at a future date, typically with interest added.

Credit card providers will set a limit on the amount you can borrow and have fixed rules for paying off the debt – normally a minimum amount each month.

You can face high interest rates if you don’t clear your outstanding balance each month. But some cards offer a 0% interest rate in the first months for new customers - to attract new sign-ups.

As well as making purchases, credit cards have other benefits. They can be used to consolidate debts, earn rewards and cashback and even boost your credit rating, which can help with future borrowing.

Credit cards are issued by a bank, building society, or other type of credit lender and typically arrive through the post as plastic cards that fit neatly in your wallet or purse. Increasingly people hold them in ‘digital wallets’ allowing them to be used through their smartphone for payments.

Why should I get a credit card?

Here are some of the advantages of credit cards:

Emergency purchases. Credit cards can be particularly useful if you need to make an unexpected payment and you won’t have the funds until payday. For example, your boiler breaks down in winter and you need to get it fixed immediately. You can put the bill on a credit card and then pay it off later.

Spread the cost of a purchase. Some credit cards have introductory offers where you don’t pay any interest on the amount you borrow for the first few months. This can allow you to make an expensive purchase upfront and then spread the cost of repayment over the following months. It’s important to pay off what you owe on the card by the time the interest-free period ends though. This is because after the 0% introductory offer rate the interest rate will jump up to a much higher standard rate.

Consolidate debt. If you owe money in different places and at high interest rates, it can be easier and cheaper to pay it off with a credit card and then have just one debt to manage. Specialist credit cards called balance transfer cards enable you to move what you owe to a new card with a very low or even 0% interest rate for a period of time – sometimes 12 months or more. There is usually a one-off balance transfer fee. But doing a balance transfer can buy you time to clear the debt without incurring interest.

Protection on payments. Credit cards offer you financial protection on purchases you make between £100 and £30,000 under the Consumer Credit Agreement. The law holds the credit card provider equally liable if anything goes wrong with your purchase. For example, this could include if the supplier of the goods or services goes bust and your goods aren’t delivered. Read more about how this works with our guide to credit card protection.

Earning rewards. Some credit cards allow you to accrue rewards or loyalty points with every purchase. If you clear your balance in full every month, a rewards credit card can be a smart way of making plastic work in your favour.

Building your credit score. If your credit score is low it can be hard to get credit. It may be that you’ve missed repayments in the past or perhaps you’ve never borrowed you have no financial footprint or credit history. A credit builder credit card is a card that lets you borrow small amounts and build up your credit rating over time. Used responsibly, it can help to improve your credit score and get better credit deals in the future.

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