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Educational Articles

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Different types of mutual funds

There are different types of mutual funds in India depending on their structure, nature of investment, tax benefits, category of the scheme and investor goals etc.

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How to use mutual funds for children’s education planning?

The cost of higher education in India has been growing in double digits (in percentage terms) over the last 20 years. The cost of 4 year engineering education (B.Tech/B.E) in the top Government institutes is around Rs 9 – 10 lakhs. In some of the top private institutes, cost of engineering education can be as high as Rs 15 – 20 lakhs. The cost of medical education is similar, if not a little higher. In the next 10 years, applying an inflation rate of 10%, the cost of engineering or medical education may be in Rs 25 – 45 lakhs. MBA from one of the top institutes will cost you around Rs 20 lakhs. 10 years from now, you should be prepared to fork out Rs 50 lakhs for your child’s MBA.

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Choose the right SIP amount to reach your goal

Today with the advent of digital platforms, investors may find it easy to open a SIP account online compared to the traditional way of investing by filling up an application form. In fact, you can open SIP account online from the comfort of your home. Please note that to open SIP online, KYC is a mandatory requirement. To be KYC compliant, your address proof, and PAN Card etc.

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How does goal based investment work

You must have heard that SIP investing is for the long term and also that you can reach your financial goals by investing in mutual funds through SIP route. While there is no denying the above fact, the reality is that simply investing in mutual funds for long term via SIP may not help you achieve your financial goals.

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How to invest in SIP in India

Mutual Fund SIP is a simple tool that helps you to invest regularly in mutual fund schemes of your choice. You can start a SIP with a frequency of your choice: daily, weekly, monthly or quarterly. However, you must check with the AMC in whose scheme you want to start a SIP as all AMCs may not offer all the frequencies mentioned herein.

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How to open SIP account online

Good investment advisors are increasingly endeavouring that their investors do not make random investments in mutual funds and instead map these with their various financial goals. Most Indian investors do not have a structured approach to savings and investments. Most people do not have saving targets as the amount of money they save depends on their spending habits.

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Midcap Funds seek long term growth opportunities for investors

Mid Cap Funds provide an able alternative for investors to derive benefit from mid cap stocks over the long term.

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Large Cap Funds

Large Cap Funds are those that only invest in the top 100 listed companies, across sectors to acquire the benefits of diversification.

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Focused Funds

Focused Funds, as the name suggests, concentrate only on high conviction quality stocks which have the potential to create wealth in the long term.

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Different types of mutual funds

There are different types of mutual funds in India depending on their structure, nature of investment, tax benefits, category of the scheme and investor goals etc.

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Diversify your portfolio

Diversification is one of the most important aspects, if not the most important aspect of financial planning and portfolio management. We will see how you may use mutual funds to diversify your investment portfolio.

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Inverted yield curve

Over the past two weeks, investors who follow markets on the web or social media may have come across the term, “Inverted Yield Curve”. In this article we will discuss, what yield curve inversion is and what are implications on markets.

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Exchange traded funds

While awareness about Exchange Traded Funds (ETFs) is quite low in India, these funds are gaining traction amongst investors over the last few years. In the last 5 years, the mutual fund industry assets under management (AUM) in ETFs have grown at a CAGR of more than 100%. In the developed markets, ETFs and index funds are hugely popular with investors.

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Tax Benefits of Investing in Mutual Funds

Mutual funds, on the other hand, are one of the most tax friendly investment options available to Indian investors.

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Benefits of Investing in Mutual Funds

Mutual fund is a financial instrument which pools the money of different people and invests them in different financial securities like stocks, bonds etc. Each investor in a mutual fund scheme owns units of the fund, which represents a portion of the holdings of the scheme.

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What is SIP

SIP is a method of investing a fixed amount, regularly – monthly or quarterly in a mutual fund scheme. SIP allows you to buy the units of your selected scheme on a date chosen by you. An investor can invest a pre-determined fixed amount in a chosen scheme every month or quarter, depending on his convenience through post-dated cheques or through ECS (auto-debit) facility.heme owns units of the fund, which represents a portion of the holdings of the scheme.

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Tax Reckoner 2019-20

Snapshot of Tax rates specific to Mutual Funds

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How to use mutual funds for children’s education planning?

The cost of higher education in India has been growing in double digits (in percentage terms) over the last 20 years. The cost of 4 year engineering education (B.Tech/B.E) in the top Government institutes is around Rs 9 – 10 lakhs. In some of the top private institutes, cost of engineering education can be as high as Rs 15 – 20 lakhs. The cost of medical education is similar, if not a little higher. In the next 10 years, applying an inflation rate of 10%, the cost of engineering or medical education may be in Rs 25 – 45 lakhs. MBA from one of the top institutes will cost you around Rs 20 lakhs. 10 years from now, you should be prepared to fork out Rs 50 lakhs for your child’s MBA.

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Information on KYC, Registered Intermediaries and Grievance Redressal.

I. KYC is an acronym for “Know Your Customer”. In order to invest in any mutual fund, an investor needs to be KYC compliant. The Securities and Exchange Board of India (SEBI) has prescribed certain requirements under the Prevention of Money Laundering Act 2002 for Financial Institutions and Financial Intermediaries including Mutual Funds to know their Customers.

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What is Top Up SIP and how does it work

Mutual fund Systematic Investment Plan (SIP) is an effective and convenient way which may create wealth in the long term.

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Why should Millennials look at ELSS?

Millennials are a very important demographic segment in India, constituting nearly half of our workforce. Growing up in post liberalization lifestyle and spending habits of millennials are different compared to previous generations.

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Why should salaried class look at ELSS?

There are several provisions in the Income Tax Act wherein salaried individuals can save taxes, but Section 80C of the Income Tax 1961 Act provides the biggest tax saving opportunity.

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ELSS versus PPF

Public Provident Fund (PPF) is one of the popular traditional 80C tax savings options in India. There are several reasons for PPF’s popularity among tax payers.

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INVESTING AT MARKET PEAKS

Don’t get deterred by peaks, equity investing is a long term game. The Indian stock market represented by the S&P BSE Sensex had a fairly good last quarter of 2019, crossing the 40,000 points by the year end and closing above 41,000 points in January.

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How to use mutual funds for retirement planning

Retirement planning is one of the most ignored topics among the working population because most people feel that retirement is far away and nearer term priorities seem important. Once they get near the retirement date, many people realize that they have not saved enough for their retirement and fear losing their financial independence. Retirement is the culmination of the decades of hard work you put in your career. This should be the golden period of your life and you should be free from financial worries.

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How to use mutual funds in goal planning

Most Indian investors do not have a structured approach to savings and investments. Most people do not have saving target; the amount of money they save depends on their spending habits. Likewise, most people invest in an ad-hoc way. When they have accumulated a sufficiently large amount of savings, they invest it in bank FDs, Post Office small savings schemes, stocks, bonds, mutual funds etc without any specific goal in mind.

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Save Tax And Seek To Create Wealth

Indians have historically favoured traditional fixed income instruments for their investments (normal as well as tax savings). This, however, does not marry well in terms of prudent financial planning, especially since the country has one of the largest young population in the world. Indeed, the median age of India’s population is far below those of the most comparable economies as well as the world, which means most Indians have a long vesting period of investment.

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3 S of Financial Planning

3 S of financial planning are Systematic Investment Plan (SIP), Systematic Transfer Plan (STP) and Systematic Withdrawal Plan (SWP). SIP is a periodical investment of fixed amount in a particular MF Scheme.

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AMFI Booklet - Savings ka naya tarika

The concept of a Mutual Fund works on pooling resources with one common objective in mind. In other words, a Mutual Fund is made up of money that is pooled together by a large number of investors. Their money is given to a professional (referred as fund manager) to invest in a basket of stocks and/or other financial instruments such as bonds/commodities.

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Equity Mutual Funds in the new tax regime

With the introduction of a 10% tax on long-term capital gains and dividends, equity-oriented mutual funds will feel the pinch as their returns will now be reduced to some extent. However, investors should not feel demotivated because equities still remain efficient as compared to other asset classes in the long term.

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Equity Saving Fund: Striking a balance between Equity, Debt and Arbitrage.

Equity savings fund essentially generate returns by investing in equity, debt and arbitrage opportunities. This last component sets them apart from other hybrid funds. Essentially, the fund manager looks to exploit the pricing inefficiencies in the cash and derivatives segments of the equity market.

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Focused Fund: Seeks power of conviction and concentration

The basic tenet of investment is not to put all eggs in one basket - aim for diversification. While it is essential to reduce the overall risk of portfolio by spreading investment in different securities, but just adding more number of stocks to equity portfolio usually diminishes the incremental benefit of diversification beyond a point.

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Get smart with Variable Transfer Plan

Most investors look at investment whenever they have lump sum amount of money in their hands, however in case of investments in equity, this may go awry especially at times when markets are trending at record highs like currently.

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Not just numbers, analyses your behavior too for fruitful investing

Investing is not only a science, involving numeric analysis, but also an art, involving one's behavior, emotions and attitude. Benjamin Graham, the father of value investing, rightly said: “the investor's chief problem - even his worst enemy - is likely to be himself.

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Make place for debt funds in your portfolio

The equity market's stellar performance has beckoned many investors to take huge exposure to the asset class. Though equity is one of the best wealth creators in the long term, it is prudent to include a less risky asset class such as debt to balance the investment portfolio.

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Midcap funds seek long term growth opportunities for investors

By investing in mid cap funds, investors may enjoy the following benefits as well

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Plan for your golden years with Mutual Funds

India is a young nation enjoying the gift of demographic dividend with its youth entering the workforce in large numbers. Young investors should have a high risk-taking appetite, but the asset allocation mix of our country is not in sync with the risk profile as bulk of household savings is put in banks’ fixed deposits.

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Top up your wealth with SIP Top-up

Systematic Investment Plans (SIPs) offered by mutual funds need no introduction. They are quite popular among retail investors - a convenient way to invest regularly. But often, inertia sets in and SIPs do not mirror the rise in income. The industry's new feature Top-up takes care of just that.

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Use goal-based investing to achieve your lifetime goals

Most of us make investments with a single-minded focus on maximizing returns. This often leads to investment mistakes like trying to time the market. Fear and greed become the driving forces so that when markets turn volatile, investors tend to pull out their money or they typically increase their investments when the markets are already over-heated. This results in ill-planned and directionless investing.

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Exchange Traded Fund: Power of Passive Investment

ETFs are types of Mutual Funds that aim to track the performance of a specific index such as NIFTY 50, NIFTY Next 50, NIFTY Bank etc. These ETFs can be based on indices tracking various

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YTM and Returns

Ability to earn market-linked returns, liquidity and transparency have made debt funds popular among investors, who were traditionally skewed towards bank deposits.

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Invest in ELSS. Aim to prosper

ELSS or Equity Linked Saving Scheme is an open ended equity mutual fund that offers the dual-advantage of potential wealth creation and tax saving. These funds have a statutory lock-in

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How to Invest in volatile market?

The last one month may have been scary for many investors especially those who are facing a full blown bear market for the first time. In the last one month, Nifty 50 has fallen 32% and is trading below 8000.

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Remain Invested In SIPs For Deliverance From Market Volatility, Shouldn’t You?

Systematic Investment Plans, or SIPs as they are popularly called, have caught the fancy of investors in recent years. Average monthly net flow into the investment vehicle has ballooned from Rs 3,122 crore as of April 2016, when the Association of Mutual Funds in India began disclosing the data, to Rs 8,513 crore as of February 2020.

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