Mutual Funds

In most of the financial planning cases, one goal is common across all the investors and that is trying to get debt free. The mounting debt of different types can become very stressful during financially challenging times. In most cases, high-interest loans like credit card debt, personal loan eats up

Most of the Indian investors have at least one endowment plan in their portfolio. But have you ever thought about; why insurance companies sell endowment plans by telling you the amount you will get in the future; and not the exact rate of return? If someone tells you that by

During the Corona Virus pandemic, while equity and debt markets were going through a volatile phase; one asset class was shining through. And that was Gold. Over the last 6 months, Gold Mutual Funds have given a return of about 23%; and over last year, this return was a little

Recently, CFA Institute conducted a survey that studied the retail and Institutional investors in 15 different countries; to measure the trust level in the investment industry. One of the shocking results of this survey was that; for only 18% of the Indian investors, Retirement Planning is a priority goal; whereas

From 1st July 2020, on all the mutual fund purchase transactions, Stamp Duty will be applicable. For all the purchase transactions in Mutual Funds, stamp duty will be applicable @0.005%. And for the ETF units bought from stock exchanges, the stamp duty applicable will be @0.015%. Here are

2020 was an extremely challenging year from all aspects: Financially, Professionally as well as Mentally. The year has taught us a lot of important lessons about money management and how to be prepared for uncertain times. So, instead of regretting the money choices you made in the past, now is

Kotak Mutual Fund has launched a new NFO, first of its kind in the industry that will help you take exposure in international real estate. And the fund’s name is Kotak International REIT FOF. A while back, we had written about investment in real estate and factors to look

“The Hardest thing in the world to understand is the Income Tax.” Albert EinsteinIn India About 6 Crore people file income tax and 1.46 Crore actually pay the tax. Hence, about 4.5 Crore people make some provision to save tax by using the existing provisions and various sections.

India is celebrating “World Investor Week” from 23rd to 29th November 2020. This is a week-long global campaign promoted by the International Organisation of Securities Commissions (IOSCO) to raise awareness about the importance of investor education and protection. At Investica, we have always given importance to Investor Education in various

Did your bank approach you with an “All Time Low” interest rates on Home Loans? Have you come across advertisements, articles showing how this is the right time to buy a house? Have you been thinking about doing that long pending real estate investment? If Yes, then this blog is

On Saturday, i.e. 7th November 2020; the mutual fund regulator Sebi came out with a circular introducing a new mutual fund category: Flexi Cap Funds. Back in September when Sebi had brought some changes to Multi cap funds, we had told investors to stay put with their investments until

Our relationship with money is defined by our childhood experiences of scarcity or abundance of money. And in this age when parents are actively shaping every aspect of the child’s life, they must give enough attention to inculcating the habit of saving money. While, it may seem that, doing

The times we live in now are very challenging. Especially for people who have just gotten new responsibilities. Getting married, having a kid, buying a house, planning vacations, savings for goals, creating funds for emergency, the list doesn’t seem to end. If you notice carefully, all these responsibilities come

The Festive season has officially started in India with all the online shopping platforms offering very lucrative deals on various items from Electronics to home decor and clothes to groceries. Add to it the lure of cashback, no-cost EMIs, Instant discounts, and whatnot. Over the next few days, all these

Market regulator SEBI has been relentlessly working to enhance mutual funds in order to make them more efficient for investors. In this pursuit, the latest step taken by SEBI addresses two major aspects: Dividend plans of mutual funds and showcasing the risk for each fund. SEBI issued two circulars on

The government has been at it for quite some time now. Pan – Aadhar linking was announced a few years ago, and then the pandemic happened; due to which the deadlines were extended thrice already. It’s imperative that your Income Tax number (PAN) and your identity be linked. The deadline

Mutual Funds are the go to investment option for investors looking for a fuss-free, stable investment instrument with minimal research.  Market volatility or not, mutual fund managers find ways to increase investor value, so you can concentrate on achieving your life goals. June Top Mutual Fund Recommendations Equity funds are

After the recategorization exercise, Sebi created 16 different debt categories; in order to make fund selection easy for investors based on their risk profile and investment horizon. As we have mentioned a lot of times before, debt funds need more due diligence while selecting a fund. But if selected properly,

Who doesn’t want a luxurious life after retirement? To not worry about finances and live carefree? With the right investment options for senior citizens, you can choose to live the life you have always dreamt of. Most pre-retirement schemes do not give lucrative benefits but ensure high stability. Therefore,

Large & Mid Cap Fund is a new category created by SEBI during the re-categorization exercise in October 2017. As per SEBI’s definition, the Large & Mid Cap Fund should invest at least 35% of the corpus in large cap stocks and at least 35% in mid cap stocks.

The Indian Mutual Fund industry saw a big transition in 2017; when Sebi defined the mutual fund categories to bring uniformity in funds across AMCs.  Out of these categories, three hybrid fund categories are extremely useful to investors if used in the right way. Aggressive Hybrid Funds, Equity Savings Funds,

Bharat Bond ETF / FOF will get its second series in the month of July with a plan to raise up to 14,000 crores. The new series will have two maturities: one in April 2025 and another in April 2031. Apart from these two maturities, the existing Bharat Bond has

Global equities have received a lot of attention from the investors due to their outperformance as compared to Indian stocks. Looking at Investors’ interest, a lot of fund houses launched active and passive NFOs catering to international equity markets. One of the new entrants in this space is the Axis

India is slowly reopening its economy with the Unlock 1.0. As we take our lives back to normal; it is important to revisit and highlight the lessons we learned about Money Management. The lockdown has had some impact on every individual’s finances. Some investors realized the importance of

In July 2019, RBI published a survey on housing affordability in India.  According to this survey, the House Price to Income Ratio increased significantly from March 2015 to March 2019. In March 2015, The House Price to Income Ratio was 56.1 whereas the same in March 2019 was 61.