Mutual Funds
Market Risks and Mutual Funds – 2
Risks are associated with any investment. It is necessary to educate the public about the various risk rather than putting a warning.
Markets risks and Mutual Funds
Mutual Funds ads always have a warning “Investments in Mutual Funds are subject to market risks”. Other than Mutual Funds only Cigarette or Alcohol have some sort of warning. So, people associate MF investment with cigarette smoking!
Market Timing – a Sucker’s game!
I met a lady a few days back. She wanted some investment advice. Whilst talking to her, she told me of an incident when the markets were high and she thought of withdrawing some of her investments in Mutual Funds, but did not. A short while later, when she needed the...
Bonds and the Yield Curve – 5 to 8
The Yield Curve – 5 Back to the Yield Curve. Whenever a company or the Government issues bonds, it is for a fixed duration. Say, 5 years. Say I bought the bond and after 2 years want my money back? If the company has to take back the bond, then the very purpose of...
Let’s talk onions – Part 4 – SIP or Lumpsum?
This is the fourth and last part of this series. If you have missed out any of the earlier ones, do click on the links below to read them. Let's talk onions - Part 1 - SIPs Let's talk onions - Part 2 - The fear of 'Market Risks' Let's talk onions - Part 3 - Withdrawal...
Let’s talk onions – 3 – The withdrawal process
There were two previous articles in this series. If you have not read those, this will not make sense to you. They can be read by clicking on the following links: Let's talk onions - Part 1 Let's talk onions - Part 2 So, till date you’ve been investing Rs.1000 every...
Let’s talk onions – Part 2
This is part 2 of a 3 part series. If you have not read part 1, do click here. Let's talk onions - Part 1 Generally, whenever I am trying to get someone to invest in MFs, it is almost always through a SIP and that also for a long duration – 10 years. I keep telling...
Let’s talk Onions – Part 1
First, a couple of experiences where I’ve tried to convince people to go in for a MF SIP. Some years back, I took a class of some juniors in my office and explained to them the virtues of investing in mutual funds from an early stage in life. I thought they would be...
Choosing a fund – Name or Type?
When I talk about Mutual Funds, many times I get a response “Sir, I’ve been investing in Mutual Funds for 3 years now. I know about Mutual Funds.” Which Mutual Funds have you invested in? “Sir, mainly HDFC, but I also invest in ICICI Pru” Those are the AMCs, or...
Mutual Funds – Effect of new tax laws
In the last budget, the Finance Minister introduced a 10% Long Term Capital Gains tax on Shares and Mutual Funds, on gains above Rs. 1 lac. He also introduced a 10% tax – to be deducted at source – on Equity Mutual Fund dividends. This means that if you have opted for...
Equity Mutual Funds – How to figure out risk
Whenever we invest in anything, the most important factor to take into account is risk. Most people ignore it totally. How to figure out how risky a Mutual Fund is? ...
Equity Mutual Funds – Types
In brief, the various types of Equity Mutual Funds are as follows: 1. Equity Savings Fund – These are the safest of the equity funds. These are best for people nearing the retirement age and who have never invested in Mutual Funds before. The fund invests about a...
