This document provides recommendations for mutual fund schemes suitable for a moderate investor. It recommends investing Rs. 6000 per month in a balanced fund for its ability to generate returns higher than debt funds with lower risk than equity funds. It also recommends investing Rs. 3000 per month in an ELSS or tax saving fund to benefit from tax deductions up to Rs. 1.5 lakh and potential long-term returns from equity exposure. Sample balanced and ELSS funds are presented with hypothetical returns over 2, 3, and 5 year periods to illustrate potential growth.
How can I determine my investor risk profile? What is Investor Risk Profile? All investors have differing attitudes towards risk. When it comes to investing, it is important to consider your risk profile or tolerance carefully
The presentation covers all the details about types of equity mutual funds. It gives an investor a clear overview on Equity Funds. The presentation covers the the most relevant topics of equity mutual fund that an investor wants to know, like - what are equity mutual funds, classification of equity mutual funds on the basis of market capitalization, investment style, theme and tax. Also explians how to choose the best category of equity mutual funds and best equity mutual funds and how to achieve superior returns from equity funds?
How can I determine my investor risk profile? What is Investor Risk Profile? All investors have differing attitudes towards risk. When it comes to investing, it is important to consider your risk profile or tolerance carefully
The presentation covers all the details about types of equity mutual funds. It gives an investor a clear overview on Equity Funds. The presentation covers the the most relevant topics of equity mutual fund that an investor wants to know, like - what are equity mutual funds, classification of equity mutual funds on the basis of market capitalization, investment style, theme and tax. Also explians how to choose the best category of equity mutual funds and best equity mutual funds and how to achieve superior returns from equity funds?
With the help of this presentation you will know about hybrid mutual fund and its types which will help you to opt the best one that will help you to meet your financial goals in best possible way.
Looking for investment in small cap funds then L&T emerging businesses fund will be the best choice you will make. Before investing your money know about this scheme in detail with the help of this presentation.
With the help of this presentation you will know about hybrid mutual fund and its types which will help you to opt the best one that will help you to meet your financial goals in best possible way.
Looking for investment in small cap funds then L&T emerging businesses fund will be the best choice you will make. Before investing your money know about this scheme in detail with the help of this presentation.
Who we are
Established in 1984, We, RKFS, offer the best financial services to put the client first. We are an independent company in the financial consultancy sector, which aims to provide consultancy and the best guidance to every client to invest in creating a future with financial freedom for the client and their family and provide customized client services as per the requirement.
Invest in creating wealth and protecting your future.
In today's world, creating wealth for us and the future generation is essential. We at R K Financial Services Group (RKFS Group) truly believe in creating wealth for the present and future. Our target is to provide the best professional solution with a personal touch to each client.
With over 3.5 decades of experience in the financial sector, we are a one-stop shop for all your financial & investment management solutions delivered with the most personalized & professional attitude and transparent & ethical business practices.
Demat account is of paramount importance because the entire financial system of managing, trading, and investing in the stock market in India is now digital. Thus, Demat and trading accounts are the essential thing of the moment for providing users with an effortless experience. The same Demat account can be used for investments in stocks, a Demat account for mutual funds, a Demat account for bonds, and a Demat account for insurance in electronic form. This account helps the investor keep their investments in order and provides an easy way to purchase or sell any product they wish to trade in. A Demat account can be more than an account that holds securities. With the help of digitisation, it can contribute to transparency in the market and provide better regulation.
Mutual Funds Investments
A mutual fund is an investment product where funds from numerous investors are invested and actively managed by an expert fund manager. The fund manager can put this pooled amount to invest in stocks, bonds, gold, or any blend of these.
Contribute through Lumpsum and SIP
Low exchange cost
Enhancement of portfolio
Liquidity and Tax reductions
Increased chance of effective money management
www.rkfs.org
Why Mutual Fund
Sahi Hai?How do you get the Retu
rns in
Mutual Funds?
What is Systematic
Investment Plan (SIP)
in Mutual Fund ?
Nifty started with a dull note at 16887, on 3rd October 2022 but closed at 18012
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
2. 1. Concept of Mutual Funds
2. How Mutual Fund works
3. Types of Mutual Funds
4. Who is Moderate Investor?
5. Mutual Fund schemes based on Risks
6. Moderate Investor's profile assumption
7. Balanced Fund
8. Tax Saving Mutual Fund – ELSS
9. Conclusion
10. Bibliography
3. Many investors with common financial objectives pool their money.
Investors, on a proportionate basis, get mutual fund units for the sum
contributed to the pool.
The money collected from investors is invested into shares, debentures and
other securities by the fund manager.
The fund manager realizes gains or losses and collects dividend or interest
income.
Any capital gains or losses from such investments are passed on to the
investors in proportion of the number of units held by them.
Concept of Mutual Fund
4. Investors
Fund Manager
Securities based on
common financial
goal
Returns
Pool money and create
a fund, called MF
Returns passed to
Generates returns on
Investment Pool
Appoint a fund manag
er & invest money in
How Mutual Fund Works
5. Characteristics
• Investors who typically use a
mixture of stocks and
bonds
• Investors who seek income
stability and moderate growth
with moderate risk.
Asset Allocation:
• Fixed Income(Debt)
= 40%
&
• Equity = 60%
Time Horizon:
• Age : Often 35 – 55
• 20+Years : Mid-Term
Investment Horizon
Who is Moderate investor?
Mutual Fund schemes based on Risks:
Investment source are categorised under the fact of involved :Risks
High Risk Scheme Moderate Risk Scheme Low Risk Scheme
eg: All equity funds like-
Sectoral Funds
Index Funds
Large-Cap Funds
Small-Cap Funds etc.
eg: Hybrid products like-
Monthly Income Plans(MIPs)
Balanced Funds etc.
eg: Debt products like-
Fixed Maturity Plans
Short-Term Funds
Gilt Funds
Income Funds etc.
6. Mutual Funds
By structure By investment objective Other scheme
Open-ended fund
Close-ended fund
Equity/Growth Oriented fund
Income/Debt Oriented Fund
Balanced Fund
Money market/Liquid Fund
Gilt Fund
Index Fund
Sector specific fund
Tax Saving Scheme
Fund of funds
ETFs
Types of Mutual Funds
7. Let's take a case of Mr. Happy Singh
Net Monthly Saving = 50000 - (20000+2000+1000+7000) = Rs. 20000
Out of which he wants to invest in Mutual Funds for Rs. 9000 pre month and
rest Rs. 11000 (i.e., 20000 - 9000) will be kept as emergency fund per month.
Best scheme of MFs for Mr. Singh
Suggestion 1 : He should invest Rs. 6000 in Balanced Fund out of Rs. 9000 through SIP.
Suggestion 2 : Remaining Rs. 3000 in Tax Saving Mutual Fund (ELSS)
• Age - 40 yrs.(Married)
• Source of income - Salary (Senior executive in JP Morgan Co.)
• Time Horizon - 5 to 10 years
• Risk - Moderate Risk Taker
• Salary - Rs. 50000 Per month
• Expenses - Rs. 20000 per month
• Insurance Premium - Rs. 2000 on Term Insurance Policy of
20 Lakhs and Rs. 1000 on a Health Insurance of 3 Lakhs.
• PPF Contribution - Rs. 7000 Per Month
8. Balanced Funds
Hybrid Products that take exposure to Equity & Debt
Balance fund aims to strike a balance between growth and stability.
Equity & Debt assets classes in the fund endeavour to :
Equity :
• To provide capital appreciation
• To generate returns above inflation
Debt :
• To provide stability in the portfolio
• To generate consistent income
Benifits :
Capital appreciation through equity
Income generation opportunities through debt
Lesser volatility as compared to pure equity funds
Potential of higher returns as compared to pure debt funds
Better tax efficiency than pure debt funds
9. How do Balanced Funds work?
Balance Funds provide diversification by investing in a diligent mix
Aim to achieve returns greater than debt scheme, while taking risk than equity scheme.
40%
60%
DEBT
EQUITIES
• Consistent income
• Lower risk
• Long term growth
• Favorable Taxation
STATIC ASSET ALLOCATION PERIODIC REBALANCING
REASONABLE DOWNSIDE
PROTECTION :
Balanced Funds maintain a
largely static asset allocation
(60% equity & 40% debt)
Fund Manager generally books profits
when the equity markets rise and inve
sts more in equity as equity
markets fall.
The debt component acts as a
permanent cushion that provides the
portfolio with a reasonable
downside protection.
10. Investment in Balanced Funds through SIP
SIP returns on monthly Investment of Rs. 6000/-
Scheme Name Return % Present Value
Rs.
Return % Present Value
Rs.
Return % Present Value
Rs.
HDFC Balanced
Fund (G)
18.8 1,75,899 19.8 2,96,619 14.1 5,24,670
ICICI Prudential
Balanced AdvFund
(G)
12.5 1,64,337 15.0 2,74,077 13.0 5,08,820
Tata Balanced
Fund - RP(G)
20.2 1,78,600 19.6 2,95,635 14.7 5,33,571
SBI Magnum
Balanced Fund (G)
18.6 1,75,518 19.5 2,95,145 13.2 5,11,658
2 Years 3 Years 5 Years
Rs. 1,44,000/- Rs. 2,16,000 Rs. 3,60,000
*Returns over 1 year are Annualised.
*Returns are as on 28rd March, 2016.
11. Tax Saving Mutual Fund – ELSS
(Equity Linked Savings Scheme)
A tax Saving instrument by mutual funds that invests in equity & equity related securities.
Benefits of investing in ELSS:
Deduction
U/S 80C
upto Rs.
1.5 Lac
Minimum investment :
• If Lump Sum - Rs. 5000
• If SIP - Rs. 500
Returns
are Tax
Free
Tax
Saving
Long Term
Investing
Approach
Higher
Returns
of stock
market
Wealth
Creation
Lock - in period = 3 years.
Expected Returns = Around 15% - 20%.
12. ELSS Investment Options:
ELSS
Growth Option Dividend Option
Dividend
payout
Dividend
Re-investment
The investors will not get any
income during the tenure of
investment. At the time of
redemption, the investorsget
lump-sum amount.
If the scheme declares a
Dividend, the investors
will receive Dividend
income.
The Dividend declared by
the scheme is re-invested
on behalf of the investors at
prevailing NAV on the day of
Dividend. Investors can
claim additional tax benefits
on re-invested dividend
amount.
13. Suggested ELSS Fund
Scheme Name Return % Present Value
Rs.
Return % Present Value
Rs.
Return % Present Value
Rs.
Birla Sun Life
Tax Relief 96 (G)
22.4 91,472 23.1 1,56,712 13.2 2,55,829
Axis Long Term
Equity Fund(G)
22.5 91,572 26.6 1,66,258 18.6 2,98,064
Reliance Tax Saver
(ELSS) Fund (G)
20.8 89,886 24.6 1,60,721 15.1 2,69,804
IDFC Tax Advantag
e (ELSS) Fund
- RP(G)
16.8 86,063 18.8 1,45,871 12.7 2,52,300
SIP returns on monthly Investment of Rs. 3000/-
2 Years 3 Years 5 Years
Rs. 72,000/- Rs. 1,08,000 Rs. 1,80,000
*Returns over 1 year are Annualised.
*Returns are as on 28rd March, 2016.
14. CONCLUSION
Moderate Risk taker can consider take exposure to balance funds, which enable investment in key asset
classes - equity and debt - in a single structure. However, returns from these funds are market linked and
hence, investors are advised to consult their financial advisor and invest as per their risk - return profile.
ELSS Funds can be considered as an ideal tool for tax saving and wealth creation. Nevertheless,
investors must make the proper choice of scheme. They may consult their financial advisor for details.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Bibliography :
http://www.principalindia.com/cms/knowledge-centre/mutual-fund-basics.html
https://www.sbismart.com/learning_room/478?_e_pi_=7%2CPAGE_ID10%2C2753589754
http://m.moneycontrol.com/mutualfunds/top_ranked_funds.php?type=index
https://www.sbimf.com/SBI_Fund_Guru/index.aspx