Personal Finance& Mutual Fund Queries

Personal Finance & Mutual Fund Queries


Debt MF is better than FD if your monthly salary is less than 50 thousands


Debt mutual funds invest in bonds of companies who need funds for business as a loan or invest in securities issued by the Government.  Debt MF’s return predetermined interest rate which the mutual fund earns and then passes on to the investors either through dividends or by way of growth in the value of the investment. Debt mutual funds is good to keep your emergency funds.  Investors who...

Invest for longer duration to less tax on Mutual funds gain.


In India,  we have to pay tax for profits and other earnings such as house rent or gain on stocks.  The same applicable for mutual funds as well.   We have to pay tax for mutual fund earnings.  In this post, we would discuss on tax on mutual funds earning and how to minimize that by investing in mutual funds for more than 3 years.  Tax on mutual funds calculated based on investment term on mutual...

Best EMI is Mutual Fund SIP. 5 years Financial Goals


It is been said that best EMI is mutual fund SIP. In this post, we would discuss why is it required to plan your financial goal earlier.  Plan your goal and start the mutual fund in SIP.  For instance, you are planning to get married after 5 years, start your investment today by investing monthly 20000 rupees in mutual fund SIP mode.  The money would get invested in the market and give you lump...

At age of 27, why fear to manage 7 mutual funds? It is easy…!!!


Mutual funds are best investment in india.  It is easy to start mutual funds investment.  Analyse the mutual funds are easy with the help of source from the internet and attributes of mutual funds. Let us see why mutual funds considered best investment, Experience of fund manager and Diversification of investment.: Each mutual fund is managed by experienced fund manager.   Fund manager selects...

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