Being benchmarked against the indices, mutual funds are considered safer than stocks or derivatives. However, since this asset class is also a subject to market risk, it is better to know the subject well before jumping into it.
Wealth Creation With Mutual Funds
From reintroduction of 10 per cent tax on long-term capital gains (LTCG) on sale of equities to SEBI’s decision to reduce the total expense ratio (TER) across mutual fund schemes, the regulatory changes that were brought in 2018 will directly impact the investment climate. Having said that, any investment decision always starts with asking the right kind of questions. And, most investment-related fiascos can be averted by finding the right answers.
As we step into 2019, Outlook Money got various experts across the financial sector to answer most common queries or concerns raised by investors.
1 Should I invest directly or through an agent?
It is each individual’s choice. As an industry, we have seen an increase in SIP investment being made directly. There are many online sites, blogs which demystify the concept of SIP. Investing is easy especially in a good market. It is only in times of volatility that an investor’s nerves are tested. And, it is in such times that we have seen SIP closures, which means direct investors stop buying when the markets are selling at low levels. On the other hand, an advisor will be there to handhold the investor, reason out the benefits of long-term investing and rupee cost averaging. In direct investment, chances are emotions may get the better of you to decide to discontinue SIPs.
Manish Mehta, National Head Sales and Distribution Alliances, Kotak Mahindra Asset Management
2 I have been investing in a SIP for two years and yet to see returns, should I continue?
SIPs diversify over time and meet the risk of timing cost. Benefit of rupee cost averaging kicks in over a period of time, especially when you get an opportunity to buy at lows. If an investor has started a SIP it is probably to achieve some long-term goal.
この記事は Outlook Money の January 2019 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
すでに購読者です ? サインイン
この記事は Outlook Money の January 2019 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
すでに購読者です? サインイン
Stay Ahead Of AI-Powered Cyber Fraud
AI has become an integral part of our lives, right from customer service at banks to insurance claims. But it has now become a powerful arsenal for the fraudsters too who are increasingly using AI to scam individuals and corporations alike to commit fraud. The key is to stay vigilant
Travelling To Europe? Pack In The Essential Covers
Smart travellers must know that insurance is a must-have. From essential health coverage to theft protection and trip interruptions, know what you need for a worry-free Europe trip
How To Spend Wisely This Year-End
We all spend during the year-end. But the trick is not to overspend or borrow, either from friends, or your own investment, to fund your indulgence. Maintaining balance is the key
Travel Now Pay Later (TNPL)
Travel now, pay later (TNPL) is a close cousin of the more popular buy now, pay later (BNPL) schemes.
12 Books Devina Mehra Loved Reading In 2024
Listing books of her choice, among the ones she reads during the year, is ace investor Devina Mehra's favourite year-end activity. She says it's a daunting task to pick around 12 books from a list of 50.
Here's How To Avail Of Ayushman Bharat Yojana
Launched in 2018, the Ayushman Bharat Yojana aimed to provide health coverage to targeted benefi ciaries from the Socio-Economic Caste Census (SECC) 2011, based on deprivation and occupational criteria.
'Focus On The Business, Assess If You Want To Be A Partner For 10-20 Years'
Professor Sanjay Bakshi, a value investor, behavioural economist and adjunct professor at Flame University, Pune, gives his unique perspective on how to choose a stock, in an interview with Nidhi Sinha, editor, Outlook Money, as part of the Wealth Wizards series. He also shares his learnings from role models Warren Buffett, Charlie Munger, Benjamin Graham and others, and how being a chartered accountant, economist, investor and teacher make him into what he is today. Edited excerpts from the interview
The New Trump Card For IT, Pharma
Donald Trump has been re-elected as the 47th President of the US after a gap of four years. Here's how it will affect the Indian markets and how it will benefit sectors such as IT, pharma, export-oriented sectors and others
European Sojourn
Tight on budget? Dump the popular European destinations for the little-known wonders that are equally attractive
Gold ETFs And FoFs
While Indians love to invest in physical gold, even mutual funds offer the option, but in paper format.
