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  Is there any tax applicable on the redemption of mutual funds? Mutual fund investing provides people with a practical and possibly profitable way to build wealth. Investor can redeem their mutual fund shares by selling them back to the mutual fund company (AMC). It indicates that they are taking units out of the mutual fund scheme to receive returns or principal known as redemption in mutual funds. Mutual fund taxation is heavily influenced by factors such as the type of funds you have invested in (equity, debt, or hybrid), the duration of your investment (long-term or short-term), mutual fund revenue (capital gains and dividend income), and your income tax bracket. However, Understanding the tax repercussions of redeeming mutual fund investments is complex but Important too. There are various tax consideration investor should know. Taxation on short-term capital gain - Any profit made by an investor who maintains a mutual fund investment for less than one year before redeemi...

How do mutual funds work? The foundation of how mutual funds operate is the pooling of money from many different investors. The fund house raises capital from investors and makes investments in a range of financial products, including stocks, bonds, and so on. The securities are chosen in accordance with the fund's investing goal. For instance, if a fund's investment aim is capital growth, the fund will invest mostly in stocks. If, however, the goal is to make money, the fund will invest in bonds or money markets. Professional fund managers oversee the management of mutual fund schemes with the goal of ensuring the achievement of investment goals. How 7 things will change the way you approach Mutual Funds? Risk Diversification: Mutual funds provide risk diversification by purchasing a variety of equities and bonds from different industries and issuers. Risks related to a single stock or bond are lessened by a diversified portfolio. Professional management:...

  There are different ways in which mutual fund investments can be made. They are: Offline investment directly with the fund house:- By going to the closest branch office of the fund house, you can invest in mutual fund schemes. Just make sure you have a copy of the following documents with you. The fund house will provide you with an application form, which you must complete and submit along with the required paperwork. Proof of Address Proof of Identity Cancelled Cheque Leaf Passport Size photograph Offline investment through a broker:- You will receive assistance from a mutual fund broker or distributor during the full investment process. He will give you all the information you require, such as the characteristics of various plans and the documentation required, to make your investment. He will also advise you on which projects to invest in. He will charge you a fee for this, which will be taken out of the overall investment amoun...

After crashing to 7,500 levels during March meltdown due to COVID-19, Nifty recovered to its previous high earlier this month and now is trading at its all-time high near 12,800 levels. Investors who did not panic and sell in March / April must now be sitting pretty and investors who used the March correction to tactically invest in equity would have made hand-some profits. There are two types of feelings when the market is at its all-time high. One feeling is of bullishness and expectation of getting good returns in the short to medium term. The other feeling is one of trepidation about an impending correction. If you tune into business channels or read expert views, you may get a sense of optimism and also hear concerns about valuations. You get similar mixed views about the economy. Investing should not be about hope or despair. You should always invest according to a plan and remain disciplined. In this article, we will discuss what you should do in this situation. ...

Many retail investors who pulled out of midcap and small cap mutual funds during the correction last year have been waiting on the sidelines for the past few months for the election results. The Indian electorate has given a clear verdict in favour of NDA, an outcome which the equity market was hoping for. With political uncertainty behind us and a stable Government in place, is it the right time to invest in midcap mutual funds? Most fund managers have opined that 2018 correction in midcap and small cap stocks has brought the valuations of these stocks to attractive levels. Midcap and small cap stocks were trading at a valuation premium to large cap stocks in 2017, but fund managers tell that in terms of forward P/E multiples, midcaps are now trading at a discount to large caps. Fund managers are able to identify good investment opportunities in the midcap segment and they think that this is the right time to invest in midcap mutual funds. Look at historical data to se...

After crashing to 7,500 levels during March meltdown due to COVID-19, Nifty recovered to its previous high earlier this month and now is trading at its all-time high near 12,800 levels. Investors who did not panic and sell in March / April must now be sitting pretty and investors who used the March correction to tactically invest in equity would have made hand-some profits. There are two types of feelings when the market is at its all-time high. One feeling is of bullishness and expectation of getting good returns in the short to medium term. The other feeling is one of trepidation about an impending correction. If you tune into business channels or read expert views, you may get a sense of optimism and also hear concerns about valuations. You get similar mixed views about the economy. Investing should not be about hope or despair. You should always invest according to a plan and remain disciplined. In this article, we will discuss what you should do in this situation. ...

Start investments early Investing isn't a one-time call. It's a long method. Investment ought to begin at the start of one’s operating life, notwithstanding however little the number is. However one mustn't lose heart if he\she has not started investment until currently. At no matter stage of the life cycle you're and if you've got not started investment, do it now. Discipline One of the foremost crucial elements to the current journey of long investment is discipline. No matter your investment goal, it cannot be achieved while not regular, disciplined, and rigid habits of saving and investments. Having mentioned the quality rules of investment that area unit common to all or any people, investment portfolios and ensuant quality allocation depend on the life stages of investors. Rule of 100 We can take steering from the ‘Rule of 100’, a really well-liked thumb rule for quality allocation supported the life cycle of people. During this rule, one has got t...

Every parent desires to secure the money way forward for their youngsters. Upbringing a toddler is the utmost priority for each parent. Thus, it's imperative to begin designing for the child’s future right from the start and begin allocating funds through a disciplined savings habit to form a money cushion. Toddler insurance setup may be a one-stop answer to secure the long run of the kid and make sure that all his/her future desires are taken care of. Create financial corpus for child’s education In this day and age, it's imperative to own a monetary backup for the kids that can not be unmarked. A baby contract helps to make a monetary corpus for the kid and accumulate funds to require care of their future wants. Moreover, a baby contract additionally takes care of the academic expenses with no monetary burden or stress. The quantity of add assured offered by the kid contract depends on the premium amount paid towards the policy and therefore the terms and conditions of ...

Mutual funds are currently one of the most popular investing solutions. A mutual fund is an investment vehicle formed when an asset management company (AMC) or fund house aggregates money from a number of individual and institutional investors that share similar financial goals. The pooled investment is managed by a fund manager, who is a finance professional. The fund manager invests in securities such as stocks and bonds that are consistent with the investing mandate. Mutual funds are an excellent way for individual investors to gain exposure to a professionally managed portfolio. You can also diversify your portfolio by investing in mutual funds, as the asset allocation will cover a wide range of instruments. Investors would be assigned fund units based on the amount invested. As a result, each investor will experience profits or losses that are directly equal to the amount invested. The fund manager's primary goal is to maximise returns for investors by investing in assets t...

How simple is it selecting the best funds from approximately 40 mutual funds and hundreds of schemes? It’s certainly not simple. Suppose we’re choosing a few. Is those funds going to be the best? Not Sure. So how do we select the best funds in this challenging and uncertain task? Therefore, don’t go to the Best. Select the right thing for you. Let’s see an instance for a better understanding of things. Consider that you went for Apparels shopping. You’re not just choosing what looks great. First, you’re looking for what kind of clothes you need. Whether formal or casual. You then choose your size. Then you see the one that looks best. The question then is whether or not the pricing is justified. Finally, you’re going for the one that’s right for you. This is how you’re shopping for the correct thing for you. The choice of the fund should be based on your goals, time horizon, risk appetite that informs you what asset allocation and categories to look for and then selec...

After crashing to 7,500 levels during March meltdown due to COVID-19, Nifty recovered to its previous high earlier this month and now is trading at its all-time high near 12,800 levels. Investors who did not panic and sell in March / April must now be sitting pretty and investors who used the March correction to tactically invest in equity would have made hand-some profits. There are two types of feelings when the market is at its all-time high. One feeling is of bullishness and expectation of getting good returns in the short to medium term. The other feeling is one of trepidation about an impending correction. If you tune into business channels or read expert views, you may get a sense of optimism and also hear concerns about valuations. You get similar mixed views about the economy. Investing should not be about hope or despair. You should always invest according to a plan and remain disciplined. In this article, we will discuss what you should do in this situation. *Asset allo...

Many retail investors who pulled out of midcap and small cap mutual funds during the correction last year have been waiting on the sidelines for the past few months for the election results. The Indian electorate has given a clear verdict in favour of NDA, an outcome which the equity market was hoping for. With political uncertainty behind us and a stable Government in place, is it the right time to invest in midcap mutual funds? Most fund managers have opined that 2018 correction in midcap and small cap stocks has brought the valuations of these stocks to attractive levels. Midcap and small cap stocks were trading at a valuation premium to large cap stocks in 2017, but fund managers tell that in terms of forward P/E multiples, midcaps are now trading at a discount to large caps. Fund managers are able to identify good investment opportunities in the midcap segment and they think that this is the right time to invest in midcap mutual funds. look at historical data to see how midcap...

Just because investing in real estate may be an unfamiliar investment vehicle, doesn’t mean it should be avoided. If approached correctly, a real estate investment can be a profitable and reliable investment opportunity to generate substantial returns. It can create a regular income flow while supplementing your portfolio with exceptional benefits such as tax advantage, diversification, and a less risky investment choice. On the other side, there are numerous reasons why people, especially Indians, prefer gold as an investment vehicle. Many families in India treasure gold for ages passing it from one generation to other as a mean of an asset. The top benefit of investing in gold is that your investment is very flexible. You can purchase 1 gram, 5 grams, 10 grams or any amount of gold depending upon the amount of money you have to invest. So basically, the gold investment can start from a few thousand of rupees to lakhs and crores depending on your investment appetite. Difference ...