#mutualfundsindia
938.02K Views
Regular
funds
or
direct
funds:
which
is
better?
#investing
#investingindia
#mutualfunds
#mutualfundsindia
#personalfinance
#personfinanceindia
The
best
SIP
amount
to
invest
👆🏽
Stop
the
guesswork.
Here
are
3
ways
to
decide
exactly
how
much
to
invest
every
month.
1.
Percentage
of
income
approach:
A
common
recommendation
is
around
20%
of
your
monthly
income.
This
strategy
ensures
that
you're
investing
in
proportion
to
your
earnings,
so
as
your
salary
increases,
so
do
your
savings.
For
a
monthly
income
of
₹30,000,
invest
₹6,000.
For
a
salary
of
50k,
invest
10k.
2.
Goal
oriented
approach:
invest
the
amount
required
to
reach
your
investment
goal.
Suppose
you
want
50L
for
your
child's
education
in
15
years.
Assuming
a
12%
growth
rate,
you'd
need
to
invest
around
₹10,500
per
month.
3.
Budgeting:
In
my
experience
helping
hundreds
of
people
with
their
investments,
I've
found
this
to
be
the
method
that
people
are
generally
most
comfortable
with.
Create
a
budget
of
your
monthly
necessary
expenses,
and
invest
60%
to
70%
of
the
surplus.
For
example
if
you
earn
50k
and
your
necessary
expenses
are
20k,
then
invest
around
21k.
This
will
force
you
to
prioritise
investing
over
non-essential
expenses...like
Zomato.
Save
his
post
for
later
and
share
it
with
those
who
need
it.
#investing
#investingindia
#mutualfunds
#mutualfundsindia
#SIP
#personalfinance
#personalfinanceindia
5
reasons
why
everybody
should
start
an
SIP
1.
Disciplined
Saving:
By
saving
₹10,000
every
month,
you're
smoothly
setting
aside
₹1.2
lakhs
a
year.
2.
Power
of
Compounding:
With
a
₹10,000
monthly
SIP
at
a
12%
annual
return,
in
20
years,
compounding
swells
your
savings
to
nearly
₹99.91
lakhs.
That's
the
power
of
regular,
long-term
investing.
3.
Makes
Market
Timing
Irrelevant:
Consistently
invest
₹10,000
monthly
and
let
cost
averaging
work
for
you,
smoothing
out
the
highs
and
lows
of
the
market.
4.
Benefits
of
Automation:
The
most
underrated
aspect
of
having
an
SIP.
Most
people
don't
invest
if
it's
not
automated!
5.
Flexible
and
Convenient:
Start
with
₹10,000,
and
adjust
as
life
changes.
SIPs
give
you
the
freedom
to
adapt
your
investments
as
needed.
You
can
add
more,
reduce
it,
pause
it
and
cancel
it
based
on
your
financial
circumstances.
Save
this
post
for
later
and
share
it
with
those
who
need
it.
#investing
#investingindia
#mutualfunds
#mutualfundsindia
#money
#moneymatters
#hipikaromorekaro
#hipifinance
#financewithHipi
Don’t
miss
this
unique
mutual
fund#investing
#investingindia
#mutualfunds
#mutualfundsindia
#personalfinance
#personfinanceindia
What
happens
if
you
miss
your
SIP
#investing
#investingindia
#mutualfunds
#mutualfundsindia
#SIP
#personalfinance
#personalfinanceindia
Is
1
crore
enough?
#investing
#investingindia
#mutualfunds
#mutualfundsindia
#personalfinance
#personfinanceindia
The
best
mutual
funds
for
emergencies
👇🏽
Emergency
funds
are
crucial!!
⚠️You
should
have
at
least
6
months
of
expenses
parked
away
for
a
rainy
day.
For
example,
if
your
monthly
expenses
are
30k,
then
your
EF
should
be
at
least
1.8L.
This
money
should
NOT
be
in
stocks
or
equity
mutual
funds.
➡️
You
can
consider
Ultra
Short
Duration
Funds.
These
are
very
safe
debt
mutual
funds
that
invest
in
high-quality
bonds
maturing
in
just
3
to
6
months.
Here
are
3
excellent
Ultra
Short
Duration
Mutual
Funds
in
my
opinion,
based
on
7
selection
parameters
-
Nippon
India
Ultra
Short
Duration
Fund
-
ICICI
Prudential
Ultra
Short
Term
Fund
-
UTI
Ultra
Short
Duration
Fund
Based
on
data
currently
available
on
valueresearchonline.com
and
advisorkhoj.com.
The
funds
are
in
no
particular
order.
Selection
parameters
used:
-
Performance
-
Star
rating
-
Fund
age
-
Expense
ratio
-
AMC
reputation
&
fund
manager
tenure
-
Assets
under
management
(AUM)
-
Credit
Quality
#investing
#investingindia
#mutualfunds
#mutualfundsindia
#personalfinance
#personalfinanceindia
#emergencyfunds
#Money
#MoneyMatters
#HipiMoney
#HipiFinance
#HipiFunds
#FinancialTips
#HipiFinance
#FinanceonHipi
#Hipi
Index
funds
explained
in
60
seconds
⏰
Index
funds
are
passively
managed
funds.
But
what
does
that
mean?
Mutual
funds
are
nothing
but
a
collection
of
stocks,
managed
by
a
professional
fund
manager.
There
are
two
fund-management
styles:
active
and
passive.
In
active
investing
the
fund
manager
pro-actively
decides
which
stocks
to
buy,
sell
and
hold
based
on
their
own
research
and
market
outlook.
On
the
other
hand,
in
passive
management,
the
fund
manager
simply
tracks
or
copies
a
well-known
stock
index,
such
as
the
SENSEX
or
the
NIFTY
50.
Typically,
index
funds
are
cheaper,
i.e.,
have
a
lower
expense
ratio
than
active
funds.
One
no-brainer
use
case
for
index
funds
is
to
invest
in
the
large
cap
category.
In
the
large
cap
space,
it's
very
difficult
to
get
higher
returns
than
the
index.
So
if
an
active
fund
isn't
getting
you
higher
returns,
then
you
might
as
well
save
on
fees
by
using
an
index
fund.
For
example,
the
SBI
bluechip
fund
fee
is
0.87%,
whereas
the
SBI
NIFTY
50
Index
Fund
costs
0.18%.
That's
less
than
1/4th
the
price.
Save
this
post
for
later
and
share
it
with
those
who
need
it.
#investing
#investingindia
#mutualfunds
#mutualfundsindia
#SIP
#personalfinance
#personalfinanceindian
#Money
#MoneyMatters
#HipiMoney
#HipiFinance
#HipiFunds
#FinancialTips
#HipiFinance
#FinanceonHipi
Sovereign
Gold
Bonds
(SGBs)
-
Should
you
invest
in
them?
COMPARISON
of
SGBs,
Gold
MFs,
Physical
Gold
👇🏽
SGBs:
Ease:
Simple,
paperless,
and
online.
Safety:
Government-backed,
safe
custody
Liquidity:
So-so,
can
be
traded
on
the
stock
exchange,
or
redeemed
after
5
years.
Returns:
Gain/loss
based
on
gold
price
+
2.5%
annual
interest
rate
Lock-in
period:
Can
be
redeemed
after
5
years,
maturity
is
8
years.
Taxation:
Interest
is
taxed
at
your
income
tax
slab.
If
held
to
maturity,
final
payout
is
tax-free.
Market
risk:
Linked
to
gold
price.
Gold
MFs
Ease:
Simple,
paperless,
and
online.
Safety:
Professionally
managed,
safe
custody
Liquidity:
Easily
redeemable
when
needed
Returns:
No
interest,
gain/loss
depends
on
price
of
gold
Lock-in
period:
None
Taxation:
STCG
added
to
income,
LTCG
20.8%
(indexation
benefit)
Market
risk:
Linked
to
the
price
of
gold
Physical
Gold
Ease:
Requires
physical
purchase
and
(ideally)
locker
Safety:
Risk
of
theft
or
loss
Liquidity:
Relatively
low,
requires
effort
to
sell
Returns:
No
interest,
gain/loss
depends
on
market
price
of
gold.
Lock-in
period:
None
Taxation:
STCG
added
to
income,
LTCG
20.8%
(indexation
benefit)
Market
risk:
Linked
to
the
price
of
gold
Which
should
you
invest
in?
Physical
Gold:
Consider
this
only
if
you
think
you
may
want
to
make
jewelry
out
of
the
gold
you
buy
Gold
MFs:
Consider
this
if
you're
buying
purely
as
an
investment
AND
you
think
you
may
need
to
redeem
your
money
at
short
notice
SGBs:
Consider
this
if
you're
buying
purely
as
an
investment
AND
you
don't
need
the
money
for
8
years.
From
a
returns
perspective,
SGBs
are
the
best
option,
but
don't
ignore
the
other
points!
#investing
#investingindia
#mutualfunds
#mutualfundsindia
#gold
#SGB
#personalfinance
#personalfinanceindia
#Money
#MoneyMatters
#HipiMoney
#HipiFinance
#HipiFunds
#FinancialTips
#HipiFinance
#FinanceonHipi
Make
life
changing
investment
decisions
in
2024
💪🏼
What
should
NOT
do
👇🏽
#1:
Don't
wait
until
the
right
time.
If
you
don't
start
investing,
you
will
kick
yourself
in
10
years.
#2:
Don't
engage
in
short-term
trading.
If
you
buy
and
sell
too
often,
you
could
end
up
with
losses,
higher
taxes,
wasted
time,
and
unnecessary
headaches.
#3:
Don't
invest
based
on
what's
in
the
news.
There's
too
much
noise.
It
will
confuse
you
leading
to
bad
investment
decisions.
What
you
SHOULD
do👇🏽
#1:
Be
sure
of
your
investment
goal,
time
horizon,
and
risk
profile.
This
is
the
foundation
of
your
investment
plan.
#2:
Be
clear
about
your
asset
allocation.
Does
an
all-equity
portfolio
work
for
you?
Or
maybe
80%
equity,
20%
debt,
and
10%
gold?
Fizxing
your
asset
allocation
is
more
important
than
choosing
a
mutual
fund.
#3:
Be
smart
about
taxes
and
take
all
the
tax
breaks
that
you
can
get.
A
few
thousand
saved
in
taxes
today,
if
invested
right,
could
add
several
lakhs
to
your
retirement
fund!
If
you
have
a
question,
let
me
know
in
the
comments.
Share
this
post
with
someone
who
needs
it,
and
save
it
for
later.
#investing
#investingindia
#mutualfunds
#mutualfundsindia
#SIP
#personalfinance
#personalfinanceindia
#Money
#MoneyMatters
#HipiMoney
#HipiFinance
#HipiFunds
#FinancialTips
#HipiFinance
#FinanceonHipi
#Hipi
Can
a
5k
SIP
make
you
rich?
Here
are
the
numbers.
Let's
look
at
3
scenarios.
We'll
assume
you're
#investing
for
retirement,
which
is
probably
30
years
in
the
future.
SCENARIO
1
If
you
have
a
5k
monthly
SIP,
assuming
a
12%
#compounded
annual
growth
rate
(CAGR),
you
could
build
a
corpus
of
₹1.76
crore
by
the
time
you
retire.
But
we
have
to
account
for
inflation.
So,
assuming
inflation
is
6%
per
year,
that's
equivalent
to
about
₹30.64
lakh
in
today's
value.
SCENARIO
2
Suppose
you
increase
your
monthly
#SIP
amount
by
5%
every
year.
Again,
with
the
same
12%
return
assumption,
your
corpus
could
be
₹2.63
crore
at
#retirement.
In
today's
value,
that's
about
₹45.79
lakh
SCENARIO
3
What
if
you
increase
the
SIP
by
10%
every
year?
That
could
build
up
to
₹4.41
crore.
Inflation-adjusted,
that's
a
current
value
of
₹76.78
lakh.
The
most
important
point
is,
don't
think
about
getting
rich.
Aim
to
invest
as
much
as
you
can,
as
early
as
possible.
In
some
years
you
will
be
able
to
step
up
your
SIP
amount,
but
in
other
years
you
may
not.
Or,
the
step-up
percentage
may
change
from
year
to
year.
That's
alright.
Just
invest
as
much
as
your
circumstances
allow.
BONUS
My
current
favorite
Flexicap
mutual
funds
for
a
5k
SIP
(in
no
particular
order).
I
would
be
happy
to
start
a
5k
SIP
in
any
one
of
these
funds.
1.
#HDFC
Flexicap
Fund
2.
PGIM
#Flexicap
Fund
3.
JM
Flexicap
Fund
4.
#Parag
Parikh
Flexicap
Fund
5.
#Canara
Robeco
Flexicap
Fund
#money
#moneymatters
#investingindia
#mutualfunds
#mutualfundsindia
#SIP
#personalfinance
#personalfinanceindia
Disclaimer:
The
information
provided
in
this
post
is
for
educational
purposes
only
and
does
not
constitute
investment
advice.
Mutual
fund
investments
are
subject
to
market
risks;
please
read
all
scheme
related
documents
carefully
before
investing.
Past
performance
is
not
indicative
of
future
returns.
Do
your
own
research
before
investing
in
any
funds.
Consult
an
investment
and/or
tax
professional
as
needed.
Top
3
Midcap
Mutual
Funds
#mutualfunds
#mutualfundssahihai
#mutualfundsindia
#earnmoney