lumpsum in mutual funds

Is It Advisable To Invest Lumpsum In Mutual Funds?

Investors always face a dilemma when it comes to investing a lump sum amount in mutual funds. Lumpsum investment in equity mutual funds is always riskier as compared to SIP or STP. However, lumpsum investment also has the potential to generate higher returns.

Investment Mistakes You Need to Avoid

Investment Mistakes You Need to Avoid

Investors often think of what to do while investing. They miss out on points that are a big “NO-NO” esp for first-time equity mutual fund investors. Here we list a few points that should be prudently avoided.

Risk Profiling in Mutual Funds

Risk Profiling in Mutual Funds

Before writing the cheque for investment, it’s vital to know your risk appetite. This helps in identifying an appropriate mix of investments that are consistent with your risk appetite. In nutshell, it is important to be aware of and to recognise your risk-bearing capacity. This is called risk profiling.

Mutual Funds Of FY18

Mutual Funds Of Financial Year 2018

Investors who want to start afresh in the new financial year often wonder if the past performance is the only “good enough” parameter to start investing. Investors often wonder if the new financial year and post-budget scenario thrown some new bright ideas that can generate better returns? Macros keep changing.

Difference Between Stock, Bond and Mutual Funds

Difference Between Stock, Bond and Mutual Funds

Retail investors, at times, are clueless about the difference between stocks, bonds, and mutual funds. In fact, some of them mistake these as synonymous. These popular investment instruments are very different from each other. Retail investors may be unaware of their differences or find them confusing. Let us simplify them for you.

Investing In Index Funds For First Time Investor

Investing In Index Funds For First Time Investor

If you are willing to invest in equity mutual funds but wary of fund managers, Index fund is a better option. The index funds are equity funds that replicate a particular equity index by investing in the stocks that the index tracks. For all the first-time investors, we are outlining the “need to know” prior to investing in index funds.

How Will Equity Mutual Fund Be Taxed Post 2018 Union Budget?

How Will Equity Mutual Fund Be Taxed

Post the passage of the union budget 2018, Equity Mutual Funds will be taxed both on short and long-term capital gains. A short-term capital gain is a gain accruing for listed securities (including Equity Oriented mutual funds), which are held for a period of under 12 months. Short-term capital gains tax is 15%.

role of fund manager in mutual fund

Role of Fund Manager in Mutual Fund

Retail investors have always heard that Mutual Funds are safer than playing in the markets directly. We often wonder what makes MutualFunds safer? What makes MutualFunds pillars of recurring returns? Several factors make mutual funds safer. The most important one being the presence of an expert human mind. That expert is the fund manager. In short, the manager of the entire investable corpus. The Fund manager is not alone. He or she is assisted by a team of well qualified and dedicated research professionals. Together they comprise the fund management team.

Union Budget 2018 And The Stock Markets

Union Budget 2018 And The Stock Markets

All stock market and mutual fund investors are keen to know how the budget will impact their investments. After the lows of 1st and bloodbath on 2nd of Feb, 24 hours from the budget, investors are at a loss if the trend of the last week will continue or if this is a buying opportunity. Let us give you a few important data points that shall help you understand how the stock markets may move in the coming months.

SIP Mutual Funds to invest in India in 2018

SIP Mutual Funds to invest in India in 2018

We, at MutualFundWala, aim to educate, empower, and prepare our investors to take best investment decisions. Our approach is centered around studying the financial market, analyzing market trends & predictions, deciphering ‘Big Data’ to arrive at best SIP mutual funds to invest in India in 2018. Curating such an exhaustive list requires a rigorous analysis of several subjective and objective parameters. Let's take a look at some of the best performing SIP mutual funds to look out in 2018.

how to become rich by investing in mutual funds

How can you become rich in India

The previous year, 2017 has definitely been a watershed period for India’s mutual fund industry. The inflows have been increasing steadily since the start of the year leading to creation of new records for the industry which might not be easy to break in 2018. However, as more and more investors enter into this new world of market-linked investments, one question on almost every investor’s mind is –The following are some handy tips to help you out.

7 Tips to Help Maximise Your Mutual Fund Returns

7 Tips to Help Maximise Your Mutual Fund Returns

The previous year, 2017 has definitely been a watershed period for India’s mutual fund industry. The inflows have been increasing steadily since the start of the year leading to creation of new records for the industry which might not be easy to break in 2018. However, as more and more investors enter into this new world of market-linked investments, one question on almost every investor’s mind is –The following are some handy tips to help you out.

how good is your sip plan

How Good is Your SIP Invesment

Systematic Investment Plans are being increasingly recognized as and low-risk route to participate in equity mutual funds. However, it’s been seen that very few investors go back and visit their SIP investments and take action to either change or stop the SIP. Its been seen some of the worst performing funds too have a good running SIP book. Now, this is may not be a conscious decision. This is courtesy retail investors and their inability to take timely corrective action. SIP returns in the past decade have yielded returns between 30% and 7.6%. This is a huge difference. However, a lot of retail investors have no clue as to how is their SIP investment performing.

basic steps to pick good mutual fund schemes

5 Lesser Known High ROI SBI Mutual Funds

In India, when it comes to the financial sector, one name definitely stands apart, i.e. the State Bank Of India, and being India’s largest public sector banker is not the only reason that makes them shine bright in the market. So it is no wonder that a business associated with SBI such as SBI Mutual Fund AMC is popular among investors from various walks of life. SBI Mutual Fund AMC operates a joint venture with SBI, India’s leading public sector bank, and AMUNDI, a France-based global leader in the financial sector. Being one of the most popular fund houses currently operating in India, this asset management company offers a range of investment options to retail as well as institutional investors. That said, not all mutual funds from the same fund house enjoy the equal level of popularity. The following are some of the lesser known mutual funds offered by SBI Mutual Fund AMC that are often missed even though they have great potential for generating high ROI for long term investors.

basic steps to pick good mutual fund schemes

Basic Steps to Pick Good Mutual Fund Schemes

Indian mutual fund universe comprises 5,500 schemes. And over 300 are in the equity alone. Obviously, it is not an easy thing to choose the fund that fits into an investors scheme of things.

how to start sip investment

How to Start SIP Investment- 4 Simple Steps

Systematic Investment Plan (SIP) is an investment tool that allows you to invest a fixed amount regularly in mutual funds. We at Mutualfundwala give you the process to start a SIP in 4 simple steps :

keep in mind for first time mutual funds investor

Keep in Mind for First Time Mutual Funds Investor

As of now, i.e., end of 2017, everyone is talking and wanting to create wealth through mutual funds. This is not surprising as markets have given high double-digit returns in the last 4 years. As is the story for every Bull Run, today greed has become the overriding factor. Let us take you back to 2011-2012. Everyone talked about real estate. Now no one does. This is the story for all asset price cycles. Retail investors invariably enter at the fag end of the rally and are ill prepared for the fall.

equity mutual funds vs debt mutual funds

Equity Mutual Funds vs Debt Mutual Funds

As we are all aware that Mutual Funds are supposedly the best financial investment. Large part of the investing community believes that Mutual Funds invest only in high risk equity. This is factually incorrect. A large component of the Mutual Fund Industry is debtor fixed income securities. Roughly, 65-70% of the Indian mutual fund industry is fixed income securities. In other words roughly one third of the investment in Indian Mutual Funds goes towards fixed income securities.

elss is best tax saving option

Why is ELSS better than other tax saving options

Ask, how do we save taxes under sec 80CC of the IT Act? Invariably we use age old products like LIC, PPF, PF, NSC etc. Let us look at how ELSS (Equity Linked Savings Scheme) fares as compared to all these tax saving options.

difference between ppf and mutual fund

Which Is Better- PPF or Mutual Fund

PPF and Mutual Funds are legitimate financial assets. However, they are very different in terms of risk return perspective. tenure of investment and ease of investment.

What are the differences between TIP and SIP

What are the differences between TIP and SIP

Target Investment Plan or TIP is an ideal target based investment plan. In TIP, Investors can customize investments in conformity with their financial goals. This investment plan works with the end in mind. It works to create a certain corpus within a stipulated time and investment amount. It works quintessentially like SIP. However, the amount invested every month may differ. Generally, more units are purchased when market conditions are bad and vice versa. These units can be uncashed when the financial objective is met.

Why It Is Important To Remain Invested In Equity

Why It Is Important To Remain Invested In Equity

The above-shown graph is a comparative representation of the performance of three asset classes. i.e., equity (BSE 100 index), Fixed Deposits and Gold. As it is evident from the above graph equity is the highest return generator in the last 20 years. It has delivered more than twice the returns as compared to FD and gold. Yes, Equity is a risky asset class and there may be several down-hills in equity markets. 2002 dot com bubble and the subprime crisis of 2008 are 2 good examples. However, it has been a proven fact that in the successive aftermath of the crisis, markets bounce back. Indian stocks markets recovered 98% during the period of 2003 to 2004. And post- 2008 crisis, the market again gained 98% and has delivered 246% since then.

What is Mutual Fund NAV and How NAV is Calculated

What is Mutual Fund NAV and How NAV is Calculated

Normally investors confuse NAV as something like a share price. NAV of Mutual Fund and price per share are two very different things. NAV or Net Asset Value is essentially ‘book value’ of a mutual fund.

how to pick a mutual fund

How to Pick a Mutual Fund- MutualFundWala

We at MutualFundwala present the following 4 points, based on which we recommend Mutual Funds to our investors. Mutual Fund house or AMC (Asset Management Company) operates mutual funds.

structure and role of mutual funds

Structure and Role of Mutual Funds in India

Mutual funds are regulated in India by SEBI (Securities and Exchange Board of India). Mutual Funds essentially comprises of an AMC (Asset Management Company). AMC has professional experts who Invest the investors’ money in various debt and equity instruments.

portfolio health check

Portfolio Health Check by MutualFundWala

A lot of investing community is not tracking investments on a regular basis. As a result, a section of the invested funds start to underperforms and become a drag on the entire portfolio. Most of the investing class do not have the time or expertise to churn the portfolio to maximise returns and/or minimise risk. This inaction may cause severe losses and/or underperformance.

tips for investing in mutual funds

Tips for Investing in Mutual Funds for Beginners

There are several points that Beginners need to keep in mind before investing in Mutual Funds. We highlight the Five most important ones.

Best Mutual Funds to Invest in 2017

Best Mutual Funds to Invest in 2017

Here are top performing mutual funds in 2017 based on large cap, small & mid cap, diversified equity and equity linked saving scheme (ELSS).

state of mutual funds in India

State of Mutual Funds in India

Retail Investors in India consider Fixed Deposits of banks as liquid n safe and an easy investment option. Little do they realise that interest rates are falling drastically and taxable Investment products like FD’s rarely beat inflation. A post tax return of 4-6% is neither inflation positive nor lucrative in any way.

Small Cap Mid Cap and Large Cap Stocks

Small Cap Mid Cap and Large Cap Stocks

There is enough historical data to prove that Large companies or large cap funds perform better during difficult market and economic conditions. However, in last 3 years, Small and Mid-cap equity funds have given returns that are roughly 3 times the large cap Funds. This is large because small and mid-cap were severely beaten down when the new Modi led Government took charge. They rallied not as much on fundamentals but mainly on “valuations catch up “.

Where are stock markets headed in 2017

Where are stock markets headed in 2017

India GDP growth is the fastest in all large economies. Looking at the economic data one can be sure that India is the only bright spot is a dull global economy. BRIC countries, with the exception of India, are also degrowing .

Systematic Investment Plans (SIP) vs. EMI

Systematic Investment Plans(SIP) vs.EMI

A lot of investors consider SIP as EMI’s. This creates a perception that SIP is something like an EMI (Equated Monthly Instalment). This is incorrect. Rather nothing can be further from the truth. Youth of today is more interested into the EMI, be it for a smart phone or a vacation or a fancy laptop. Whereas a SIP, is the best form of investment.

How long term investment in SIP is beneficial

How long Term investment in SIP is beneficial?

Empirical evidence proves that the long-term SIP generates high double digit returns. This is due to various reasons.A lot of investors often wonder how many years is long enough. And what if we invest for a longer duration and in the end we find markets at the wrong end of the cycle.Systematic Investment Plans is periodic investment in a mutual funds schemes.

Know more about Mutual Funds and its type

Know More about Mutual Funds and It’s Types

Mutual funds just like the name suggests is a pool of funds created for investments. This has gained prominence in the last few years due to several advantages over investing in stocks directly. Mutual funds do away with a lot of risks associated while investing in stocks and still enables an investor to participate in the growth of equities and stock markets. The probability of losing money in a mutual fund is a lot lower as compared to stock investments. Reasons for the same are many.

Benefits of investing in Mutual Funds Online

Benefits of investing in Mutual Funds Online?

There are plentiful benefits that you can enjoy through investing in mutual funds online. Few Noteworthy benefits: Free Yourself From Paper Work: The first and foremost is that you tend to get free from the physical strains of the paperwork wherein you need to fill up forms, make a cheque and comply with the KYC norms. In the case of online investment, you just need to ensure your KYC is in place and thereafter you can make the investments sitting at any given location.

How To Invest and Where To Invest

How To Invest and Where To Invest?

If you are looking out for financial security, then investing in mutual funds is an ideal option. As we are already aware that Mutual Funds are professionally managed funds that are highly regulated and well-diversified pool or stocks &fixed income securities. However, we may not know how to start investing and if we really need a mutual fund advisor? Other relevant questions may be come across in your mind like if online mutual fund investment provide better control and monitoring? Here we answer some of these basic questions

Top 6 Reasons Why Your Money Is Not Growing

Top 6 Reasons Why Your Money Is Not Growing?

Learning basics of wealth creation is essential to achieve your financial goals. This also includes understanding when to conserve capital and when to be bullish and grow your money. An important reason that your money is not growing is that you may not have factored inflation in your returns. Every investment should beat inflation or else it is just erosion of your capital. Apart from inflation your investments should factor in risks and risk adjusted returns. Lastly before writing a cheque you should know if the returns are taxable or tax free.

How to Invest in Mutual Funds

How to Invest in Mutual Funds?

A lot of people believe that stock market related instruments are risky. This stops them from investing in equity mutual funds as well. However, nothing can be further away from truth. In fact there are diverse, plethora of options an investor can choose from to lower risk and earn a decent ROI.

Are Long Term SIP Plans Risk-Free?

Are Long Term SIP Plans Risk-Free?

Retail investors keep on debating if long Term SIP’s (Best Systematic Investment Plan) are risk-free or not. There seem to be unanimity amongst Industry experts, that the SIP’s with a tenure of minimum seven years can reduce risk significantly, but cannot completely eliminate risk.

Choose Best Tax Saving Mutual Funds Schemes with MutualFundWala

Choose Best Tax Saving Mutual Funds Schemes

As we all know tax saving is essential not only because it helps save taxes but also help us generate a higher post tax return. it would be all the better if we invest in the best tax saving mutual funds scheme.

3 simple ways to invest in mutual funds through MutualFundWala

3 simple ways to invest in mutual funds

Investing in mutual funds is an excellent option as the returns as well as tax benefits are much higher as compared to the other traditional products like PPF, PF, NSC, LIC ULIP’s etc

5 points to keep in mind while making mutual funds investment

5 points to keep in mind while investing

The current market scenario is offering more than 3500 mutual fund investment schemes which make it a very challenging task for the investors to understand which scheme suits them the best.

Mutualfundwala suggests “how to select mutual funds”

Mutualfundwala suggests “how to select mutual funds”

Over the past few years, investors are showing great interest in mutual fund investments. Not only High Net Worth individuals but even young working professionals are service class individuals nearing the retirement age are looking to invest in Mutual Funds to grow their hard earned money.

Tax Saving Funds by MutualFundWala

Tax saving Mutual funds

Tax planning is one of the most important priorities for individual tax payers. It is a daunting task to save tax, but with the help of tax saving scheme, you can not only save your taxes but even grow your wealth. In order, to find the best schemes it is essential to understand about the various tax saving funds, commonly known as ELSS or equity Linked saving schemes;

Origin of NPS: National Pension System

Origin of NPS: National Pension System

The National Pension System or NPS is pension system started by the Government of India In the year 2004, the Government of India decided to do away from a fixed pension system to a fixed contribution pension system.. Government of India was running a huge pension deficit and NPS was started with the aim of reducing the liabilities of Govt. of India. Therefore, on Aug 23, 2003 PFRDA (Pension Fund regulatory development authority) was set up to administer the NPS. From 2004, central and state Governments started contributing a fixed sum every month towards the employees’ Pension Fund. Employees contribution is fixed at 10% and that is matched equally by The employer. The returns from the NPS fund alone will determine the pension a Government employee will get post retirement.

Invest in SIP with a  Mutual Fund Advisor

Invest in SIP with a Mutual Fund Advisor

Brief of Systematic Investment Plans (SIP)
In order to help investors with professional management of investments, and achieve their financial goals, we provide a myriad of fund families for the SIP . We thoroughly understand dreams and aspirations of modern day individuals like owning a dream house, going out for a perfect holiday destination, retirement planning, planning for Child’s higher Education etc. We work towards transforming these dreams into reality. We create the customized mutual fund portfolio as per requirements and risk appetite of our clients.

What are the Risks of Investing in Mutual Funds

What are the Risks of Investing in Mutual Funds

Mutual Funds are the comprehensive, professional and well-regulated mechanism that makes investments in stock market easy and simple. It is a professionally managed investment vehicle and that enables investors to invest in listed securities.

4 reasons why people don't get rich

4 Reasons Why People Don't Get Rich?

Ask yourself, how many times have you planned to close certain bank accounts and invest idle cash in a productive way or how many times in an year do you access your long term financial goals? “We all plan to plan” and then forget about it. How many times do we plan to close low yielding ULIPS and other Insurances and buy Pure Term Insurance?And how often do we execute what we plan? Benjamin Franklin once said “you may delay but time will not”. That is so true. In financial world opportunities missed are not likely to come by even if they do, they will have taken years of your precious time.

Women and financial planning

Women and Financial Planning

There is a lot of debate on need for women to be proactively involved in financial planning. It has been seen when women are working, they tend to plan finances. As they earn, save taxes, and invest. So, investments and long term financial goals are a need as well. Regular interactions at the workplace educates them of different financial products. Moreover, its been seen women are more inclined towards education and savings for education of their children. Contrary to popular belief that women are spendthrift.