| Topic : Financial Goals $$... |
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Banking & Insurance Professionals |
Investment Hub |
Effective Construction Planning Management |
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Activity:
132 views;
last activity : 10 13 2010 07:58:58 +0000
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Investing in mutual funds through systematic investment plans
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Equity - Blue Chip Cash - Strictly
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SIP
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yes it is good investing in mutual funds
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SIP
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ANY PENSION SCHEMES WITH REASONABLE RETURNS
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Open a Recurring Depoist as a safe saving (either in Post office or Bank)
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A savings account is the best start to invest your money but you will likely reach higher returns with money you don't need immediately. It is possible to invest small amounts of money in these plans and it is maybe best to consider investing every month a same amount. This system of investing has the benefit that you don't buy always on peak prices and often reach the higher returns than you spend a large amount of money at once. Systematic investing will reduce your average cost of investing. An important issue is the risk you want to take and it is often wise to invest in balanced mutual funds (mutual funds which invest for 50% in shares and 50% in bonds). If you come near to the age of retirement you can limit the risk and switch them in mutual funds which invest for a higher percentile in bonds. |
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Yes there is opportunity to invest in very small amount as already stated minimum Rs. 100 on monthly basis. only issue is which fund you invest. if the person is risk averse he can pick Recurring deposits also. But Mutual fund is the best option for better return and fighting the inflation.
No doubt, MF SIPs are the best. But here also, one should not choose a singe Fund or two or three funds. Several MFs should be selected and several variety of funds and categories and choosing different options like Dividend Payout, Dividend Reinvestment and Growth will also help. A SIP can be started for as little as Rs.100 to Rs.500.
Sonali you are right if a person has not knowledge to equity market then he /she can opt for investing in MF SIPs although in both of cases we invest as a small amount for investment for short to long term...........
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How can a mutual fund grow without the growth of equity. Did mutual fund guarantee for the capital? Never ! Mutual fund manager are licensed dacoits for retailers to fill there own salary pockets from the retailer`s money. If small inveters invest in Blue Chips definately can earn tax free returns for long terms. Mutual funds only help in tax saving tool u/s 80 C. |
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Not a bad idea, but investing in blue chip is not guarantee the return. If a blue chip falls 10% it does not mean that Mutual fund investment will fall by the percentage. Only the mutual fund which invested in that blue chip stock will fall that too because of diversification the overall effect will be minimized. Example : Satyam computer, once upon a blue chip company.
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Systemic Investment with any reputed Mutual Fund house has the potential of excellant return with relatively low risk as compared to investment in equity stock |
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This is good option in current situation.
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yes it is good investing in mutual funds. it gives good returns and less risk is involved. there is more risk and more gain in stocks comparing to mf. |
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That's true investing in mutual fund by monthly or quarterly is a good excersice even you can average money cost will come very easy which you can not get in saving A/C if you will see the last 05 year data in SIP/FMP etc instruments for investments you will find lot of confidence gain on investment in mutual fund.
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The best way of "small amount" of money investment is in MUTUAL FUND through SIP. On a long term it gives you good return. which can take care of children education, medical expencses and personal retirement also. To take more benefit one can think for ULIP also because in child ulip plan in the event of death of father, child education is secured. so ULIP is also one solution. |
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BANK LONG TERM 10 YEAR RECURRING DEPOSIT SCHEMES,PUBLIC PROVIDENT FUND RUN BY POSTAL DEPT;HDFC BANK IN THE PRIVATE SECTOR;KVP FOR NON TAX PAYERS |
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If you are looking at a safe return of your investment, invest that portion of your salary not spent ( everymonth) by opening a recurring depoist account in bank or post office for leser duration ( 3years or 5 years (6yrs in po)). On maturity take the principal amount and reinvest that, take out that interest and open a term depoist for lesser duration. That is how you rotate your money. |
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