It is a traditional scheme of the Government of India often used by tax payers to save tax up to 1,50,000 INR u/s 80c of the Income Tax Act. The lock in period of the scheme is as long as fifteen years and can be extended in block of five… Continue reading
ULIP has a lock in period of three to five years. ULIP has often been criticized due to lack of transparency along with high costs. The overhead costs such as the premium allocation charge and the policy administration charges in the investment of ULIPs have often been known to eat… Continue reading
The first conflict that you may have in mind is instead of investing in one scheme and putting all eggs in one basket, it is probably better to invest individually in equity schemes and debt schemes. One of the myths concerning balanced funds is regarding the usage of the word… Continue reading
These are a fund that constitutes of investments in equities, debt and occasional investments in short term money market all in a single fund. Balanced funds have a fixed percentage of investment in every asset class. An Equity Oriented Balanced Fund will have minimum 65% of equity and 35% of… Continue reading
Large Cap Funds are those mutual funds, which focus on investing primarily in large blue chip companies. Each of the fund houses have their own definition of deciding which stock falls in which category based on market capitalisation. But generally companies with a market capitalisation of Rs 1000 – 1500… Continue reading
Choosing the right fund is often the key to gaining most in these kinds of funds as the fund manager has a huge universe of stocks to choose from this category. So what should be the parameters to keep in mind while selecting a fund? Fund managers: They are often… Continue reading
Mid caps are the stocks that fall between the large cap stocks and small cap stocks. These represent mid-sized companies that are relatively more risky than large cap as investment options yet, they are not considered as risky as small cap companies. Mid cap stocks as an investment tend to… Continue reading
Infrastructure is said to be the tangible aspects such as roads, railways, transportation, electricity and so on which are indispensible to the day to day functioning of an economy. The state of the infrastructure is instrumental in determining whether the economy is a developed or developing economy. Mutual Funds that… Continue reading
Advisers and experts are of the opinion that investments in infrastructure funds should be avoided and Diversified Mutual Funds could be picked as an investment option as it is very stable in nature. In Infrastructure Funds the short term returns could be on the higher side but in the long… Continue reading
Stability in Bull and Bear Markets: Diversified Equity Funds comprise of all markets cap stocks. Large cap stocks due to high end market capitalization tend to be stable in bear markets and show moderate appreciation in bull markets. Mid and small cap stocks respond to market stimulations. While, they show… Continue reading