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Individuals are often confronted with the dilemma of choosing the right investment option for their portfolio to invest their money. Two of the most prevalent types of investment options are stocks and mutual funds. This article is aimed at serving as a mutual fund investment guide for investors and solve their dilemma. If you are sceptical about investing a lumpsum amount, you might consider resorting to other options such as a systematic investment plan, commonly known as SIP . SIP investments help to stagger your investments over time. As an investor you can either put money in stock SIP or directly invest in mutual funds through SIP. Let’s understand what works best for your investment profile. What is stocks SIP? Stocks SIP work on a similar concept like mutual funds SIP. Under this, an investor can buy a predetermined or fixed quantity of shares at regular or specific intervals. For instance, you might consider purchasing 10 shares of an XYZ company at the beginning of the each

A corporate debt fund is basically a debtscheme which invests a minimum of 80 percent of its total assets in corporate bonds. What business organizations do is that when they need funding to meet their short expenses like insurance premium payment, marketing, advertising, etc. they sell corporate bond funds. A corporate bond fund has become one of the most common ways for corporate organisations to raise funds. They prove to be a feasible alternative as compared to bank loans when it comes to raising funds for short term company expenses. Add diversification to your investment portfolio with corporate bond funds – Corporate Debt funds are available in direct and regular plan Corporate debt funds are available for investment directly from the fund house owning them and also through third party aggregators and brokers. Direct plan is available at the AMC or the fund house whereas a regular is generally sold by a broker. Since there is no third party involvement in the sale / purchase of

Despite the disastrous impact of the COVID-19 pandemic, mutual fund investors have remained committed to their mutual funds. However, are investors doing the right thing by staying invested? Should they look for opportunities to exit and await an opening to return when the dust settles? Or would they be missing out on the opportunity of a lifetime by not investing more in the markets at these levels? Assuming that you know what is an SIP, let’s understand if you should continue with your Systematic Investment Plan (SIP) .Following are four different scenarios that deserve different actions on your SIPs: Stay the course Continuing with your SIP investments means that your portfolio benefits from accumulating additional units when markets are down, bringing down your average cost of fund units.If your goals are same and you have passable time frame that will permit the investments to recover and fetch you the desired returns, then don’t fiddle with your SIP investments. Make sure to not

When it comes to investments, salaried individuals often hesitate to risk their money. Since they have a fixed amount of income, this is understandable. Whether it is FD investment options, Public Provident Funds (PPFs), or any other instrument, salaried persons always seek to lower the risk factor. If this is true for you, too, you can consider these six safe investment instruments to grow your savings: 1. Fixed deposit (FD) Financial institutions offer fixed deposit interest rates that can exceed 7%. This makes FDs a more profitable investment option as compared to a savings bank account. An FD lets you securely invest your money for a fixed period. The minimum and maximum tenure can vary from issuer to issuer. For example, Mahindra Finance offers a tenure ranging from one year to five years. FD interest rates stay fixed during this time, even if the market performs badly. Due to this inherent stability, many salaried people prefer to invest in FDs and wait for their money to grow w

Systematic Investment Plan, commonly known as SIP , is a tool to invest in mutual funds. However, a lot of people often stop their journey of staying invested in SIPs after a time. Let’s understand the top 3 reasons why investors give a break to their SIP or stop them altogether. Waiting for the high market to cool When it comes to mutual fund investment, a market high is perceived as a blessing. Following this, several investors think that they need to stop their SIPs, thanks to market critics issuing warnings that a “market correction ” likely to happen. These investors intend tobegintheir SIPs again only when the market has finished “correcting”. This is a classic example of attempting to time the market. However, investors often forget the fact that as complex the markets are, they can go up even further. Losing money in a falling market The stock market is bound to witness frequent ups and downs. This is called market volatility and could be scary for a lot of investors. The marke