Mutual funds are professionally managed investment funds that pool money from many investors to purchase securities like stocks, bonds, and money market instruments. The fund is overseen by a fund manager who buys and sells assets according to the fund's investment objective. Investors share in the income and capital gains of the fund proportionate to their investment. Mutual funds offer diversification, affordability, and professional management for individual investors. Some disadvantages include lack of a tailored portfolio and potential underperformance. Mutual funds are regulated in India by SEBI and operate through a trust structure with sponsors, trustees, asset management companies, and third party administrators.
Bangalore stock exchange session july 2015Raja Sekharan
Presentation in Bangalore Stock exchange on 26th July 2015 on - "Investing under current market conditions".
I share my views on Definition of Rich and how to select Mutual funds and Stocks in Indian markets and when to exit an investment.
It is good to know the basics before making investments in Stock Markets. History has recorded scores of investors who have made fortune out of stock market. And if your investments are timed well, you could be the next fortune maker in the market.
Bangalore stock exchange session july 2015Raja Sekharan
Presentation in Bangalore Stock exchange on 26th July 2015 on - "Investing under current market conditions".
I share my views on Definition of Rich and how to select Mutual funds and Stocks in Indian markets and when to exit an investment.
It is good to know the basics before making investments in Stock Markets. History has recorded scores of investors who have made fortune out of stock market. And if your investments are timed well, you could be the next fortune maker in the market.
Systematic Investment Plan (SIP) is a financial planning tool that helps you to create wealth, by investing small sums of money every month, over a period of time. A Systematic Investment Plan (SIP) has been a vehicle offered by mutual funds to help investors invest regularly in a disciplined manner.
Features:
1. Diversified Allocation: Your funds are invested across various asset and equity classes providing you the right mix of risk exposure.
2. Low Cost: Mutual Funds charge less than 2.25% per annum as expenses which is way better than spending as high as 6% on ULIPs.
3. Professional Portfolio Management: With Mutual Funds, you get the assurance that your money is in the hands of professionals. You can get them to take up the cumbersome and tricky task of timing the market and deciding the right mix for investing your money.
4. Liquidity: Unlike ULIPs, one is not penalized for exiting a child mutual fund plan prematurely. In case one is in dire need of liquid money, one can always stop and exit which makes Mutual Fund SIPs highly liquid.
The best possible investment plan for your child's bright future is to invest in your child's education and taking all these factors into consideration, Mutual Funds are the best possible way which will help you give him that.
How SPY investing works is just like buying individual stocks except that you are investing in the 500 largest publicly traded US companies.
https://youtu.be/aJt5YIf0Gto
Introduction to investing - for young adultsAbhijit Pal
Introduction to the world of investing - for kids. Generally the web is full of information, but it is difficult to get hold of a presentation, which will help young adults to understand the varieties of investment. It is important to have understanding of investment 101, before attaining the age of investment.
Our work demands often leave us with little or no time to spend with the family. This routine can lead to unwarranted stress and fatigue.
Both work and family are the cornerstones of life, neither of which can be ignored. That is why we need to strike a right balance between work and personal life to lead a happy and a healthier life.
Balancing both aspects of your life means you have to give yourself equally so that one will not suffer at the expense of the other. In the long run, the joy, happiness and fulfilment derived from both are worth the effort.
Investing in balanced funds (also known as Hybrid funds) is not much different. Similar to work-life balance, balanced funds are here to give us the best of both worlds.
Today’s lesson by Prof. Simply Simple attempts to explain the importance of balanced funds.
Look forward to your valuable feedback at professor@tataamc.com
Savings and Investment
01. Savings Bank Account
02. Bank Fixed Deposit
03. Company Deposits
04. Bank Recurring Deposit
05. Post Office Recurring Deposit
06. Post Office Term Deposit
07. Public Provident Fund
08. National Savings Certificate
09. Kisan Vikas Patra
10. Sukanya Samriddhi Yojana
11. Senior Citizen Savings Scheme
12. Post Office Monthly Income Scheme
13. RBI Savings Bond
14. Capital Gain Tax Exemption Bond or 54 EC Bonds
15. Rajiv Gandhi Equity Savings Scheme
16. Inflation Indexed Bonds
17. Mutual Funds
18. Stocks and Equity
19. National Pension System
20. Unit Linked Insurance Plans Protection
21. Health Insurance
22. Life Insurance
23. Annuity
Income Tax
24. Income Tax Planning
25. Tax Planning Strategies
Sample Comprehensive Personal Financial Plan Created in Excel based Personal ...Satish Mistry
Sample Comprehensive Personal Financial Plan in Excel with Entire Life Cash Flow, Child Future Planning, Future Need & Dream Planning, Retirement Planning, Investment Planning, Investment Analysis, Portfolio Rebalancing, All Life Insurance Policy Analysis including LIC's Plan, IRR Calculation, Mutual Fund Porttfolio Analysis, Mutual Fund Portfolio Rebalancing, Practical Asset Allocation with Scheme Removal / Addition. Also seek possibilities of early retirement. Income Tax Planning with Net Taxation Ratio on your Income. Instant Generated Financial Plan in Excel with Real time value of your all Financial Investment ( In Indian Context). If uou need more info, kindly mail me.
Systematic Investment Plan (SIP) is a financial planning tool that helps you to create wealth, by investing small sums of money every month, over a period of time. A Systematic Investment Plan (SIP) has been a vehicle offered by mutual funds to help investors invest regularly in a disciplined manner.
Features:
1. Diversified Allocation: Your funds are invested across various asset and equity classes providing you the right mix of risk exposure.
2. Low Cost: Mutual Funds charge less than 2.25% per annum as expenses which is way better than spending as high as 6% on ULIPs.
3. Professional Portfolio Management: With Mutual Funds, you get the assurance that your money is in the hands of professionals. You can get them to take up the cumbersome and tricky task of timing the market and deciding the right mix for investing your money.
4. Liquidity: Unlike ULIPs, one is not penalized for exiting a child mutual fund plan prematurely. In case one is in dire need of liquid money, one can always stop and exit which makes Mutual Fund SIPs highly liquid.
The best possible investment plan for your child's bright future is to invest in your child's education and taking all these factors into consideration, Mutual Funds are the best possible way which will help you give him that.
How SPY investing works is just like buying individual stocks except that you are investing in the 500 largest publicly traded US companies.
https://youtu.be/aJt5YIf0Gto
Introduction to investing - for young adultsAbhijit Pal
Introduction to the world of investing - for kids. Generally the web is full of information, but it is difficult to get hold of a presentation, which will help young adults to understand the varieties of investment. It is important to have understanding of investment 101, before attaining the age of investment.
Our work demands often leave us with little or no time to spend with the family. This routine can lead to unwarranted stress and fatigue.
Both work and family are the cornerstones of life, neither of which can be ignored. That is why we need to strike a right balance between work and personal life to lead a happy and a healthier life.
Balancing both aspects of your life means you have to give yourself equally so that one will not suffer at the expense of the other. In the long run, the joy, happiness and fulfilment derived from both are worth the effort.
Investing in balanced funds (also known as Hybrid funds) is not much different. Similar to work-life balance, balanced funds are here to give us the best of both worlds.
Today’s lesson by Prof. Simply Simple attempts to explain the importance of balanced funds.
Look forward to your valuable feedback at professor@tataamc.com
Savings and Investment
01. Savings Bank Account
02. Bank Fixed Deposit
03. Company Deposits
04. Bank Recurring Deposit
05. Post Office Recurring Deposit
06. Post Office Term Deposit
07. Public Provident Fund
08. National Savings Certificate
09. Kisan Vikas Patra
10. Sukanya Samriddhi Yojana
11. Senior Citizen Savings Scheme
12. Post Office Monthly Income Scheme
13. RBI Savings Bond
14. Capital Gain Tax Exemption Bond or 54 EC Bonds
15. Rajiv Gandhi Equity Savings Scheme
16. Inflation Indexed Bonds
17. Mutual Funds
18. Stocks and Equity
19. National Pension System
20. Unit Linked Insurance Plans Protection
21. Health Insurance
22. Life Insurance
23. Annuity
Income Tax
24. Income Tax Planning
25. Tax Planning Strategies
Sample Comprehensive Personal Financial Plan Created in Excel based Personal ...Satish Mistry
Sample Comprehensive Personal Financial Plan in Excel with Entire Life Cash Flow, Child Future Planning, Future Need & Dream Planning, Retirement Planning, Investment Planning, Investment Analysis, Portfolio Rebalancing, All Life Insurance Policy Analysis including LIC's Plan, IRR Calculation, Mutual Fund Porttfolio Analysis, Mutual Fund Portfolio Rebalancing, Practical Asset Allocation with Scheme Removal / Addition. Also seek possibilities of early retirement. Income Tax Planning with Net Taxation Ratio on your Income. Instant Generated Financial Plan in Excel with Real time value of your all Financial Investment ( In Indian Context). If uou need more info, kindly mail me.
How To Start Investing In Mutual Funds | Mutual Fund Guide | Mutual Fund For ...WealthBucket
In this video, you all got to know about mutual fund investment. If you have no idea about the mutual funds & you are a beginner & also want to start investing in mutual funds, this mutual fund guide will help you to understand about mutual funds, type of mutual funds, about their returns & risk, benefits of SIP and many more.
Refer to the link below, if you want to know more
https://www.wealthbucket.in/blog/how-to-invest-in-mutual-funds/
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Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
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At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
3. WHAT IS MUTUAL FUND? A mutual fund is a professionally managed type of collective investment scheme that pools money from many investors and invests typically in investment securities like stocks, bonds, short-term money market instruments, other mutual funds, other securities, and/or commodities such as precious metals
4. WHAT IS MUTUAL FUND? The mutual fund will have a fund manager that trades (buys and sells) the fund's investments in accordance with the fund's investment objective The income earned through these investments and the capital appreciation realized are shared by its unit holders(investors) in proportion to the number of units owned by them
5. Why invest in a MUTUAL FUND? Mutual Fund is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost
6. ADVANTAGES OF MUTUAL FUNDS Affordable Professional Management Diversification Liquidity Tax benefits Well regulated and low cost Transparency Flexibility Choice of schemes
9. HISTORY OF MF IN INDIA MF INDUSTRY STARTED IN INDIA IN 1963 WITH FORMATION OF UTI DIFFERENT PAHSES : PHASE -1(UTI) PHASE-2 (ENTRY OF PUBLIC SECTOR MFs) PAHSE-3 (ENTRY OF PRIVATE MFs) PHASE-4 (UNDER SEBI REGULATION)
10. PHASE-1 (1963 -1987) - ESTABLISHMENT OF UTI IN 1963 LAUNCH OF FIRST SCHEME US-64 FOLLOWED BY ULIP IN 1971,CGGF(1986), MASTERSHARE(1987) UTI WAS THE ONLY PLAYER IN THE MARKET WITH MONOPOLY POWER HUGE MOBILIZATION OF FUNDS
11. PHASE-2 (1987 -1993) - ESTABLISHMENT OF SBI-MF---THE FIRST NON-UTI MF THAT STARTED IN 1987 FOLLOWED BY CANBANK-MF, LIC-MF,BOI-MF CHANGE IN THE MIND SET OF THE INVESTORS UTI STILL THE UNDISPUTED LEADER OF THE MARKET THERE WERE NO PRIVATE SECTOR PLAYERS AT THIS STAGE
12. PHASE-3(1993 -1996) - ENTRY OF THE PRIVATE SECTOR FUNDS IN 1993 JV OF FOREIGN FUND MANANGEMENT COMPANIES WITH INDIAN PROMOTERS MORE COMPETITIVE PRODUCT INNOVATION, INVESTMENT MANAGEMENT TECHNIQUES, INVESTORS SERVICING TECHNIQUES CAME INTO INDIA INVESTORS STARTED BECOME SELECTIVE
13. PHASE-4 ( 1996 onwards ) SEBI- THE REGULATORY AUTHORITY SEBI MF REGULATION 1996 UTI CAME UNDER SEBI REGULATION VOLUNTARILY GOVT.’S STEPS FOR INVESTORS’ PROTECTION
14. TYPES OF Mutual funds – by structure Open ended -theses schemes do not have a fixed maturity period –they are available for subscription and repurchase on a continuous basis Close ended –these have a stipulated maturity period of 5-7 years – they are open to subscription only during the period of launch. They can be bought and sold in stock exchanges where they are listed. Exit routes are also provided by the fund through repurchase at specific points of time.
15. TYPES OF Mutual funds – by investment objectives Growth equity schemes –they provide capital appreciation over medium to long term – they carry risk of equity exposure. Income /Debt schemes –these aim at providing regular income to the investors by investing in debt instruments like bonds, corporate debentures, govt securities, money market instruments etc. Balanced funds –these provide a mix of regular income and capital appreciation –these invest in a mix of equity and debt instruments
16. TYPES OF Mutual funds – by investment objectives Money market /liquid schemes –these provide easy liquidity, preservation of capital and moderate income – they invest in safe short instruments such as treasury bills, inter bank call money, commercial paper etc – they give returns of about 5-8% per year Gilt funds – they invest in govt securities only and have no default risk –they return about 3-5% p.a.
17. TYPES OF Mutual funds – other classifications Index funds -they replicate specific indices – like BSE sensex. They invest in securities in the same weightage as the index Tax saving schemes – these schemes give tax rebates under specific provisions of IT act eg Equity linked tax saving scheme, Pension schemes etc – these are growth oriented and predominantly invest in equities
18. TYPES OF Mutual funds – other classifications Commodity funds – there are funds today that invest in Gold as a commodity and closely mirror the rate of gold. Real estate funds –Real estate funds are those that invest their corpus in real estate projects and provide returns to investors based on appreciation of the asset over a period of 5-8 years. There are also few real estate funds that provide regular quarterly returns based on leasing out of the real estate properties
19. TYPES OF Mutual funds – other classifications Load funds and No load funds – load funds charge an entry and exit fee –the No load funds do not charge any entry and exit fees
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25. TYPES OF EQUITY FUNDS AGGRESSIVE GROWTH FUNDS:Investment in less researched or speculative/non-blue chip stocks GROWTH FUNDS: Investment in stocks with above average growth prospects over 3-5 years.Ex:Tech Stock SPECIALITY FUNDS: Sector, Offshore, Small-cap equity, Option income funds DIVERSIFIED EQUITY FUNDS: ELSS. EQUITY INDEX FUNDS VALUE FUNDS: Invest in fundamentally sound companies with low P/E ratio. EQUITY INCOME FUND: Invest in sectors where low fluctuation in stock price and high dividend is expected.
26. Ground rules for investing Have a long term investment plan – early in life, you can have a higher exposure to equities or equity based MF’s Keep a small amount liquid /debt funds for contingencies or planned expenses over 2/3 years Spend time in educating yourself in investment areas Ignore hot tips, hot stocks etc Start early Invest regularly –look at Systematic investment plans offered by Mutual funds Buy and hold
27. What to look for before investing in a MF Compare the performance between the same types of funds Risk assesment - most of the well known funds are rated - Value research ratings and Money control.com’s ratings are fairly comprehensive Go with funds that have a large corpus of funds – these are mostly safer than the ones with low corpus Management - look at the fund manager’s record and go with fund managers who have a good past performance record
29. A Systematic Investment Plan (SIP) is an option that allows you to invest a fixed sum at periodic intervals on specific dates. A Systematic Investment Plan works for you in three ways:- It helps you to save regularly and thus inculcates a sense of discipline It harnesses the power of compounding It is the best possible way you to reign in impulsive buys-and-sells that otherwise one is gripped by in times of market volatility. - Rupee cost averaging You are free to choose any amount (minimum Rs 500 and in multiples of Re 1/-) and any date as per your convenience.
31. Offer Document (OD) A legal document issued by AMC or Sponsor OD describes the product Very important document from the perspective of prospective investor Primary vehicle for investment decision
32. Contents of theOffer Document Summary information Definitions Risk Factors Legal and Regulatory Compliance Financial Information Constitution of the Mutual Fund Investment objectives and policies Management of the Fund Offer Related information
36. Net Asset Value (NAV) Investors’ subscriptions are not accounted as liabilities or deposits but as Unit Capital Investments made on behalf of the investors are reflected on the assets side. Liabilities also form part of the balance sheet NAV is asset minus liabilities and divided by total number of outstanding units. AV = Assets - Liabilities NAV = Net assets value of the scheme /Number of units outstanding Market value of investments + receivables + accrued income + other assets -accrued expenses-payables- liabilities No.of units outstanding on NAV date
37. Daily NAV for open-end schemes Weekly NAV for close-end schemes A fund’s NAV is affected by Purchase and sale of investment securities Valuation of all investment securities held Other assets and liabilities Units sold or redeemed Valuation of investment securities must be at their market prices.
40. LEGAL STRUCTURE IN INDIA ISSUE OF OPEN AND CLOSE END FUNDS IN SAME LEGAL STRUCTURE FOLLOW THE SEBI REGULATION TRUST FORM SPONSOR: ESTABLISHES THE MUTUAL FUND Must contribute 40% of the net worth of the AMC Need to have sound financial track record Appoint trustees
41. Regulators in India SEBI SEBI regulates MFs All MFs have to be registered with SEBI RBI Bank-owned MFs are under RBI and SEBI Ownership of AMC by the bank Guarantees issued by the bank as sponsor Permission to access inter-bank call money market
42. AMFI Promote the interests of the mutual funds and unit-holders Set ethical, commercial, and professional standards in the industry Increase the public awareness of MF industry
43. Investors Obligations / Complaint Redressal Investors should: Read Offer Document Understand Risk factors Monitor Investments Ask for information required “Monitoring is entirely your responsibility” SEBI intervention For issue of due diligence certificate for new scheme by compliance officer Companies Act cannot protect investors as fund investors are neither shareholders in the AMC nor depositors