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Mutual Funds

A mutual fund is a professionally managed investment fund that pools money from many investors to purchase securities.

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In general usage, a financial plan is a comprehensive evaluation of an individual's current pay and future financial state by using current known variables to predict future income, asset values and withdrawal plans.

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Wealth Management

Wealth management is an investment-advisory discipline which incorporates financial planning, investment portfolio management and a number of aggregated financial services offered by a complex mix of asset managers, custodial banks, retail banks, financial planners and others.

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An Investment advisory, in financial/investment organizations, is the unit linking the investment professionals in the central asset management unit to the relationship managers and/or to important clients of the asset management organization.

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Sunday, 27 January 2019

Without Mutual Fund, You are like a zebra in a lion's territory.

Without Mutual Fund, You are like a zebra in a lion's territory.

Zebra moves in heard. They look alike, think alike and stick close together.

If you are a zebra and lives up a herd, the key decision you have to make is where to stand in relation to rest of the herd.

When you think that conditions are safe, the outside of the herd is the best. For there the grass is fresh, while those in the middle see only grass that is half eaten or trampled down. The aggressive zebra, on the outside of the heard, eat much better.

On the other hand there comes a time when lions approach. The outside zebras end up lion lunch.

In real life, as in jungle life, aggressive investor frequently eaten by Mr. Market (lion). But thanks to gods, who give human exceptional capability to think rationally and logically. We as a human are risk averse, continuously finding best ways to tackle risk. Mutual fund is the result of such kind of thinking, where person who has no knowledge and experience of equity market can also get benefits of it.

Good mutual fund saves you from such lion attacks in your investment journey over a long period of time. As in mutual fund, your funds are managed by professionals fund manager, who have long experience and expertise, you can eat fresh grass (Capital appreciation) and at the same time not get caught by lion (Mr. Market).

Stay Invested. Mutual Fund Sahi he!!


- Shailesh B. (co-founder at Shrinvest)





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Thursday, 27 December 2018

The Pleasure of Walking Tall - An Investment Message


Your savings, believe it or not, affect the way you stand, the way you walk, the tone of your voice. In short, your physical well-being and self confidence.

A man without savings is always running. He must take the first job offered, or nearly so. He sits nervously on life’s chair because any small emergency throw him into the hands of others.

Without savings, a man must be too grateful. Gratitude is a fine thing in its place. But a constant state of gratitude is a horrible place in which to live.

A man with savings can afford to resign from his job, if his principles so dictate. And for this reason he’ll never need to do so. A man always concerned about necessities, such as food and rent, can’t afford to think in long- range career terms. He must dart to the most immediate opportunity for ready cash. Without savings, he will spend a lifetime of darting, dodging.

The ability to save is nothing to do with the size of income. Many high-earning people, who spend it all, are on a treadmill, darting through life like minnows.

If you don’t need money for college, a home or retirements then save it for the self-confidence. The state of your savings does have a lot to do with how tall your walk is.


- Shailesh B. (co-founder at Shrinvest)


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Friday, 19 October 2018

Why Mutual Fund and Not Fixed Deposit !!

बैंकों के फिक्स्ड डिपॉजिट को फंड निवेश में बदलने की वजह से टैक्स बचत होती है। इसलिए आज मैं इस पूरे विषय को विस्तार से बताता हूं। पिछले तीन साल में घटती ब्याज दरों के कारण आपके फिक्स्ड डिपॉजिट से होने वाली सालाना आय में 40 फीसद तक की कमी आ चुकी है। यह बड़ी गिरावट है। लोग आमतौर पर रिटर्न से जुड़ा हिसाब-किताब सही नहीं लगाते हैं। फिक्स्ड डिपॉजिट की ब्याज दर में 0.25 से 0.50 फीसद जैसी कमी बहुत छोटी लगती है।

1. Rate Of Return
हालांकि, इससे कमाई में आने वाली गिरावट कहीं ज्यादा होती है। उदाहरण के रूप में, ब्याज दर 7.5 फीसद से 7 फीसद होने का अर्थ है उस डिपॉजिट से होने वाली कमाई में 7 फीसद की कमी। यह कमी तेजी से बढ़ती है। पिछले तीन साल में फिक्स्ड डिपॉजिट पर ब्याज दर 8.75 फीसद से घटकर 6.25 फीसद रह गई है। इस बदलाव से फिक्स्ड डिपॉजिट से होने वाली आपकी आय में 40 फीसद की कमी आ चुकी है।इस समस्या से पार पाने का तर्कसंगत तरीका है कि अपने पैसे को फिक्स्ड डिपॉजिट से म्यूचुअल फंड की ओर ले जाएं। लो रिस्क प्रोफाइल वाले म्यूचुअल फंड, जो फिक्स्ड डिपॉजिट वालों को आकर्षित कर सकते हैं, उनसे मिलने वाले रिटर्न की दर (ऊपर दिए गए उदाहरण की ही तरह) देखने में फिक्स्ड डिपॉजिट से थोड़ी ही ज्यादा लगती है। हालांकि, गणित पहले की ही तरह काम करता है। पिछले साल फिक्स्ड डिपॉजिट पर 7 फीसद का ब्याज मिला होगा, जो कि 2016 के आखिर में फिक्स्ड डिपॉजिट पर ब्याज दर थी। इसी अवधि में एक औसत लिक्विड फं / इक्विटी फंड (जिसमें न्यूनतम रिस्क और उतार-चढ़ाव होता है) ने 7.5-15 फीसद का रिटर्न दिया होगा। यह अंतर कमाई में 10-20 फीसद के अंतर के बराबर है।

2. Tax Saving
हालांकि, इसके ऊपर भी केक पर लगी क्रीम की तरह एक अन्य लाभ है और वो है टैक्स। तीन साल से कम के निवेश के लिए कर के नियम दोनों स्थितियों में एक जैसे ही है। अगर आप अपने म्यूचुअल फंड का सारा निवेश बेच दें तो उस पर कर की वही दर लागू होगी, जो फिक्स्ड डिपॉजिट के मामले में होती है। लेकिन अगर आप का लक्ष्य केवल लाभ को निकालने का है तो म्यूचुअल फंड की इस निकासी पर दिया जाने वाला टैक्स बहुत कम होगा। इसका कारण बहुत सामान्य है। ब्याज आय है, जबकि म्यूचुअल फंड रिटर्न को कैपिटल गेन माना जाता है। जब आपको डिपॉजिट से कोई आय मिलती है तो वह पूरी राशि आय ही कहलाती है। वहीं, जब आप म्यूचुअल फंड निवेश से पैसा निकालते हो, उसका एक हिस्सा वह मूलधन होता है, जो आपने निवेश किया होता है और यह मूलधन निश्चित रूप से टैक्स फ्री होता है।

इस बात को इस उदाहरण से समझा जा सकता है। मान लीजिए, आपने म्यूचुअल फंड में 10 लाख रुपये का निवेश किया। एक साल बाद, यह राशि बढ़कर 10.80 लाख रुपये हो गई। अब आप वो 80,000 रुपये निकालना चाहते हैं, जो आपको फायदा हुआ है। ध्यान देने की बात है कि अब जो आपका निवेश है, उसमें 7.4 फीसद आपका लाभ है और बाकी 92.6 फीसद वो मूलधन है, जो आपने निवेश किया था।अब ध्यान देने की बात है : जब आप पैसा निकालते हैं तब टैक्स लगाने के लिए उस निकासी की गणना लाभ और मूलधन के उसी अनुपात के आधार पर होती है। इस आधार पर, आपके द्वारा निकाले गए 80,000 रुपये में से केवल 5,926 रुपये को ही लाभ माना जाएगा और उसे आपकी करयोग्य आय में जोड़ा जाएगा। इससे बहुत बड़ा अंतर पड़ता है। फिक्स्ड डिपॉजिट के मामले में इतनी ही राशि पर अगर आप टैक्स की सबसे ऊंची स्लैब में आते हों तो आपको 24,720 रुपये का टैक्स देना होगा। म्यूचुअल फंड में आपको कर के रूप में 1,831 रुपये ही देने होंगे।

3. Tax Liability
कुछ और फायदे भी हैं, जिसे फंड में निवेश करने वाले समझ सकते हैं, लेकिन बैंक में जमा करने वाले इनके प्रति जागरूक नहीं होते हैं। टीडीएस और वार्षिक कर ऐसे फायदों का उदाहरण हैं। फिक्स्ड डिपॉजिट की पूरी राशि पर हर साल टैक्स देना होता है। मतलब कि टैक्स के रूप में काटा गया वह पैसा भविष्य में रिटर्न नहीं देगा। वहीं म्यूचुअल फंड के मामले में वार्षिक टैक्स लायबिलिटी नहीं होती। इसलिए पैसा तब तक जुड़ता रहता है, जब तक उस निवेश को बरकरार रखा जाए। अगर आप टैक्स की सबसे ऊंची स्लैब में आते हों, तो तीन साल बाद म्यूचुअल फंड से हुई कमाई फिक्स्ड डिपॉजिट की तुलना में करीब डेढ़ गुनी होगी। एक लाख रुपये के निवेश के मामले में तीन साल बाद फिक्स्ड डिपॉजिट की राशि 1.26 लाख रुपये होगी, वहीं म्यूचुअल फंड में यह राशि 1.60 लाख रुपये होगी। क्युंकि फिक्स्ड डिपॉजिट पर टैक्स 10 फीसद टीडीएस के रूप में और बाकी सीधे जाता है, ऐसे में आपको मिलने वाला असल रिटर्न इस बात पर निर्भर करेगा कि आप टैक्स के किस स्लैब में आते हैं।

किसी भी तरह से देखें, ब्याज दरों में कटौती के इस दौर में टैक्स पर मिलने वाला फायदा म्यूचुअल फंडों को दोहरे आकर्षण का केंद्र बना देता है।


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Saturday, 13 October 2018

Why you should invest in Mutual Funds

One should never invest in Mutual Funds, but should invest through them.

To elaborate, we invest in various investment avenues based on our requirements, e.g. for capital growth - we invest in equity shares, for safety of capital and regular income - we buy fixed income products.

The concern for most investors is: how to know which instruments are best for them? One may not have enough abilities, time or interest to conduct the research.

To manage investments, one can outsource certain tasks one is unable to do. Anyone can outsource ‘managing one’s investments’ to a professional firm – the Mutual Fund company. Mutual Funds offer various avenues to fulfill different objectives, which investors can choose from based on one’s unique situation and objective.

Mutual Fund companies manage all administrative activities including paperwork. They also facilitate accounting and reporting the progress of the investment portfolios through a combination of Net Asset Values (NAVs) and the account statements.

Mutual Fund is a great convenience for those who need to invest their money for future requirements. A team of professionals manages the money and the investors can enjoy the fruits of this expertise without getting involved in the mundane tasks.




Here are 7 reasons why mutual funds should definitely be a part of your wealth building portfolio.

1. Higher returns
Isn’t this what all of us seek from our investments? Mutual funds provide the right avenue for investing in a variety of market-linked instruments, which have time and again delivered superior returns compared to other traditional investment options. Debt funds have consistently beaten Fixed Deposit (FD) returns, and with bank interest rates going south, they present a good investment choice for investors with lower risk appetites. For the more adventurous investors, equities (shares) present a great investment avenue, for higher, inflation-beating returns. And investing in equities through mutual funds is an excellent way to enjoy the higher returns, but with much lesser risk, thanks to rupee-cost averaging, portfolio diversification and many other factors. Data reveals that equity funds have delivered around 11-15% returns over the last 10 years. With inflation averaging at 4-6%, you could get a head start on your savings, by identifying and investing in the right mutual funds today.

2. Professionally managed
Mutual funds are professionally managed by fund managers, whose every day job is to track the markets and manage investments. Fund managers identify the winning stocks to buy, when to buy them, and more importantly, when to sell them. They spend hours analysing the performance of companies, and if they fit the fund they manage. What’s more, all mutual funds are governed by SEBI, the industry body, and are highly secure and transparent. So, while earning is your job, investing it wisely and delivering high returns is the fund manager’s job. You can rest assured, knowing that when you invest in the right mutual fund, he/she is likely to manage your funds far better than you.

3. Disciplined investing
Habits are hard to break. Which is why we are advised to inculcate good habits. And what better habit could there be, than investing for your secure future? When you start a Systematic Investment Plan (SIP) in a mutual fund, you are committing to invest a certain amount on the same day of the month, consistently for a certain number of months/ years. Such a commitment instils in you the discipline to take a productive action towards your future. It becomes a fixed component of your monthly spend, around which all other expenses have to be factored. Your disposable income will be that which is left, after your mandatory expenses and investments are done. This way, you ensure that nothing comes in the way of your goals - neither a fancy dinner nor a shopping trip.

4. Less/ No lock-in
Almost all your traditional investing instruments come with long lock-in periods, which make it hard for you to get your money out, in times of emergencies. Mutual funds, on the other hand, broadly come with less, if not no, lock-in periods. Most funds do not have a lock-in period and give you the flexibility to redeem your money when you need it. Even tax-saving Equity Linked Savings Schemes (ELSS) come with a short lock-in of only 3 years. So you are saved the hassle of fixed, long lock-in periods, as seen in other investment options. Having said that, experts recommend that a fund should not be redeemed until the goal for which it was started is fulfilled, as the longer you stay invested, better are your chances for higher returns.

5. The fund with your name on it
Within the world of mutual funds there is a wide variety of investment choices to pick from - equity funds, debt funds, liquid funds, tax-saving funds etc. So, depending upon your profile, goal and preference, there are various funds that are ideal for you. Unlike a PPF or an NSC, where the rules are already laid down for you, here you can choose what type of fund you want, how long you want to stay invested, how much you want to invest, and much more. Just like how a tailor-made outfit is often a better fit for you than a ready-made garment, a personalized mutual fund portfolio with the right advisor is the best fit for your goals.

6. Diversification
We’ve all heard the adage “Don’t put all your eggs in one basket”. This is the premise of diversification. It means spreading your investments across asset classes and stocks, to reduce your risk. With mutual funds, you get the advantage of default diversification, as your fund manager invests across a variety of stocks. Sudden changes in one stock, are likely to be balanced out by the performance of other stocks in the fund. It is an ideal way to get a taste of the equity markets, but with lesser risk. Of course, it is important to not invest all your money in one mutual fund, and further lessen your risk by diversifying across different types of mutual funds. Consult your financial advisor on how to balance your portfolio by selecting the right mutual funds.

7. Convenience
And finally, investing in mutual funds is now a piece of cake. The whole process is offered online by many players in the industry. Starting a SIP or making an investment can be done in a matter of few clicks. Even tracking the performance of your investments can be done easily online. You can set up a bank mandate for monthly investments and set your SIPs on auto-pilot mode, so that you are even saved the hassle of manually investing every month. The SIP amount is automatically debited every month from your account. In short, mutual funds today, provide the right ground for investing with the least effort, and with the potential for maximum returns.




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