Young Investor 4 You

          The Mutual Fund (MF) Industry's asset under management (AUM) has grown more than 2 fold increase in a span of 5 years, from ₹ 11.86 Lakh Crore as on 30th April, 2015 to ₹ 23.93 Lakh Crore as on 30th April, 2020. Currently, less than 6% people are investing in mutual fund in India. As per growing number of accounts in MF industry, it is been excepted that more than 25% people will invest in mutual fund in coming years.           In one of my post I have written about mutual fund, its different types, you should invest in it or not, how to invest in it and my personal view on mutual fund. Before reading this blog I would say gain some basic knowledge about Mutual fund from the previous post: Mutual funds are good or bad ? ➤ Factors for selecting mutual fund category (Equity MF, Debt MF or Hybrid MF): Before selecting any mutual fund scheme you need to choose mutual fund category.  Investment Objective: It refers to investor...

          Just think you have a safe deposit box where you keep a side a part of your income or saving amount and earn interest on it. Yes, it is government saving scheme.                        Government saving scheme are launched to strengthen the financial stability of the people. All the schemes are known for their long term benefit as well as tax exemption . These schemes are consider to be safe and secure.   In this post, I have choosen  4 best schemes which I think are good to invest in.  1. PUBLIC PROVIDENT FUND (PPF)                        It is a long term investment with the objective to mobilize small saving in a form of investment, coupled with a return on it. It is also called saving-cum-tax saving investment. Eligibility:  Any Indian citizen can invest in PPF. NRIs and HUFs are not eligible. One citizen can ...

          Recently, Franklin Templeton India's 6 debt fund closure was a shock to the investor as well as made them concerned about their mutual fund investment. This chaos has created fear in the mind of investor that  is investing in mutual fund are safe? Thus, in this blog, I would tell you what is mutual fund in short, its safe or risky, basic types of mutual fund, their benefits and  most important you should invest in it or not            Mutual Fund is a professionally managed fund which pools money from investor to invest in different securities such as stocks, bonds, etc. on a nominal fee. In simple words, your money and other investors money are collectively invested by professional in different assets to earn maximum return. ➤ Is Mutual Funds are Safe or Risky ?           Well, I would like to tell you that all Mutual funds are safe because three governing body of governm...

          The Corona Virus Outbreak has created havoc in the world. All stock markets in the world are corrected from their peak values as a result every individuals portfolio has bottom down except the few smart people who has a PROPER ASSET ALLOCATION. The main reason of writing this blog is to aware people about asset allocation, its importance and how to make it so that they can bear current market crisis.  ➤ What is Asset Allocation?           It is a process in which investor make a decision of how much money to be invested among various asset classes . They are mainly 4 asset classes: Stocks: It represent ownership into a business. In simple words, it is noting but buying some portion of company through stock market. It can be shares of company, equity ETFs, mutual funds, etc. Fixed Income: It represents lending money to someone. It can be fixed deposit, recurring deposit, post office schemes, debt mu...

          In India, gold is considered as a valuable asset for society in terms of jewelry consumption as well as wealth accumulation by large number of low and middle class people. Throughout history, gold has been seen as valuable commodity. Therefore, gold is considered as a tool for financial planning.          People often ask me why to invest in gold rather than other investment strategies . I would give you undoubted answer : It has maintain its value over time. It has been proven hedge against inflation. Gold investment has minimum risk. Inflation and deflation does not have much impact on gold. It is simple and easy to liquidate. It can be exchanged for cash. It is key to diversified portfolio. Gold has historically negative correlation with stock.  Now, I would tell you the 6 different ways to invest in gold. 1.  JEWELRY  :            It is t...

      Today's young generation are busy in enjoying their life. They don't think of future at the right time and regret for passive income when they have family responsibility. They never have retirement plan. They live on month to month basis. They never put emergency fund aside. They take debt for small things and make it burden for them. I would suggest you that every one should  plant a tree which would give continuously fruits after some years . I guess you are getting what do i mean. And remember one thing its never late to start anything. Some good opportunities where you should start investing money to generate a second source of income as well as a kind of saving.  RECURRING DEPOSIT  : It is a kind of term deposit where a person has to deposit fixed amount (from 100-1.5lakh) every month in deposit account for a specific term and earn interest at the rate applicable. Generally, the interest rates are 6.5% to 9% p.a. ...