THE CONCEPT OF MUTUAL FUND
Whenever we talk about mutual funds the first thing that strikes our mind is a risk, most people are just like ok I will invest in a mutual fund but the main thing is what about the risk, what if my money goes down or what if I lose all of my money.
well the harsh fact is if we just keep our savings in a bank account or fixed deposit or idle at home that becomes riskier since It’s getting opened up to inflation, and if anyone Doesn’t know what inflation is and how does it Effect then please view this page
WHY ARE MUTUAL FUNDS MADE ??
mutual funds are Investment products available to investors through they can invest in an asset class of Their choices such as equity, gold, or real estate. Investors who may not want to invest directly in the financial market may instead get exposure to the same securities through a mutual fund.
mutual funds are classified into different Basis of product assets in Which the scheme will Invest (EQUITY, DEBT, HYBRID, GOLD, AND REAL ESTATE FUNDS).
EQUITY FUNDS
equity funds invest in the Portfolio of equity-related investments. the risk and return and return of the scheme will be directly invested in equity markets. equity funds can be further categorized on the basis of the fund manager ( for example; regular, direct, or thematic funds. )
tax exemptions are available for these funds, LTCG(LONG TERM CAPITAL GAINS ) AND STCG(SHORT TERM CAPITAL GAINS), after the Tenure of one Year LTCG Taxes are available at 10% on returns of 1 lakh plus, whereas STCG taxes are Available if the person Sold their funds within 1 year and are taxed for 15%.
ACTIVE AND PASSIVE FUNDS:-
PASSIVE FUNDS– funds that invest in companies represented in an index fund such as Nifty or Sensex in the same Proportion in Company’s representation in the index .there is no selection of securities or investment decisions taken by the fund manager.
ACTIVE FUNDS– Funds that get specifically selected by fund managers by the probability of getting more returns than the index funds, due to which any active fund has a higher expense Ratio. ( as compared to the Passive funds ).
well if we classify more into equity funds we do have diversified funds, funds based on themes, and funds based on industries, but this is the best fund that every regular earning person must follow:-
EQUITY-LINKED SAVINGS SCHEMES (ELSS)
ELSS is a special type of equity fund investment That gives the investor tax deduction benefits under section 80C of the income tax up to a limit of 150000 per year. An ELSS holds 80% of the portfolio in security markets, and the Investment made by the investor is locked in for a period of three years during which it cannot be redeemed, Transferred, or pledged.
DEBT FUNDS
debt fund invests in a Portfolio of debt Instruments such as Government Bonds, and corporate Bandstand money market securities. debt products have predefined coupon rates or income streams.
although in the case of debt funds, we do have some categories :
- MONEY MARKET OR LIQUID FUNDS: It is a type of shot term debt fund where the securities are for a very small period of time and can be transferred into liquidity in less Than 91 days of time.
- ULTRA SHORT TERM PLANS: these short-term debt funds are also known as treasury management funds ( commonly known as cash Management funds )
- SHORT TERM PLANS: these are securities with a small allocation to longer debt securities, short-term plans earn from short-term securities, and interest and long-term capital gains from long-term securities.
LONG-TERM DEBT FUND :
long term debt funds are structured total returns made up of both interest income and capital gains from securities held.
the value of bonds held in a long-term portfolio, changes with a change in interest rates. since market interest rates and the value of a bond are inversely related.
HYBRID FUNDS
hybrid funds are a combination of debt and equity securities, the allocation to each of these asset classes Will depend Upon the investment objective of the scheme. the risk and return of the scheme will depend upon the allocation of equity and debt and how they are managed. a higher allocation to Equity will increase the risk and the expected returns from the portfolio.
similarly, if the debt Instruments are short-term in nature for generating income, then the extent of risk is lower than if the Portfolio holds long-term debt instruments that show greater volatility in prices.
we observe many kinds of hybrid funds, such as :
- DEBT ORIENTED HYBRID
- EQUITY ORIENTED HYBRID
- ASSET ALLOCATION FUNDS
- CAPITAL PROTECTION FUNDS
“ THE GOAL OF THE NON-PROFESSIONAL SHOULD NOT BE TO PICK WINNERS-NEITHER HE NOR HIS “HELPERS” CAN DO THAT -BUT SHOULD RATHER BE TO OWN A CROSS SECTION OF BUSINESS THAT IN AGGREGATE ARE BOUND TO DO WELL. A LOW-COST INDEX FUND WILL ACHEIVE THIS GOAL”
~ WARREN BUFFET
WHAT IS A MUTUAL FUND?
A mutual fund is the allocation of many stocks managed by a hired fund manager who invests our money on our behalf of ourself’s whether the market conditions are high or low it just doesn’t matter to him since it’s his duty to invest our money when the markets hit its peak ( commonly called “bull market” ) or when the market is at its low ( mostly known as the” market crash/recession/correction”) and when we place the order to redeem the money than no matter whatsoever the condition is the fund manager has to sell out the portion of our NAV (net asset value ) and clear our order, so this is how the system of mutual fund works
We can invest in mutual funds in two ways :
- SIP ( SYSTEMATIC INVESTMENT PLAN )
- LUM – SUM ( DIRECT PURCHASE OF NAV AT ONE TIME )
SIP: It’s a process in which a certain sum of money gets automatically deducted every month to your own requisite funds that you have selected and that amount has to be automatically invested into the fund account ( commonly called “auto-sip” ).
[ NOW YOU MUST KNOW THAT THIS IS JUST THE OVERALL PROCESS TO BUY A MUTUAL FUND, STILL, THE EXPENSE RATIO AND EVERYTHING HAS TO BE EXPLAINED IN DEEP DETAIL BELOW ]
LUM-SUM: It is a process. in which we invest a certain amount of money once or at a time into the requisite mutual fund selected by ourselves.
HOW TO UNDERSTAND WHICH MUTUAL FUND IS BEST CONDITIONED FOR US?
THE MUTUAL FUND INDUSTRY IS NOW THE WORLD’S LARGEST SKIMMING OPERATION, A $7 TRILLION TROUGH FROM WHICH FUND MANAGER, BROKER, AND OTHER INSIDERS ARE STEADILY SIPHONING OFF AN EXCESSIVE SLICE OF THE NATIONS’ HOUSEHOLD, COLLEGE, AND RETIREMENT SAVINGS ~ cosponsor of the mutual fund act of 2004 -SENATOR PETER FITZGERALD
So where do you put your money? Who can you trust? who will protect and get the best return on your investment ?- these are immediate questions that come to your mind as soon as you think of becoming an investor, so you have now committed to investing a percentage of your income and the first question comes to my mind that where do most people or especially myself invest their money for the long term in mutual funds for better returns?
Always choosing a “five-star” actively managed mutual fund is not a very good option [ “actively” – means to beat the market by being the best stock picker than the next guy]
[NOTE: AN INCREDIBLE 96% OF ACTIVELY MANAGED MUTUAL FUND FAILS TO BEAT THE MARKET OVER ANY SUSTAINED PERIOD OF TIME ]
So, let’s be clear when we say ” beat the market ” as a whole, we generally refer to a stock index. What is an index, you ask? some of you might know, but we don’t want to leave you in the dark since we are a fiduciary consulting firm (bridgenile.com) it’s our utmost duty to shed a little light. An index is simply a basket or list of stocks in India the BSE is an index ( it allocates a list of the top 100 companies of India – by market capitalization).
In India the Bombay stock exchange (BSE) companies like [RELIANCE, INFOSYS, and TCS, make up the list ]. Each day they measure how all 100 companies perform as an aggregate, and when we get to turn on the news at night, you hear if the stock market was either up or down.
There is more than 2500 mutual fund in India to date but there existence of 5000 companies that are listed on BSE, but as the stats say that 96% of mutual fund fail to beat the market over any extended period – well it can be groundbreaking but that’s the fact. World legendary investor who is known for his incredibly unique ability to find undervalued stocks
Warren Buffet ~ says that the average investor should never attempt to pick stocks or time the market.
Over a 20-year period, the stock market BSE index has returned on an average of 13-14.5 %, in this scenario person gambling or trying to speculate with the stock market averages only 2.5-8% which is almost a 50% difference, in real life it can make difference financial freedom and financial despair.
The problem with most mutual fund investors is that we buy high and sell low, we follow our emotions ( or our broker’s recommendation ) and jump from fund to fund, always looking for an edge. But when the market falls, when we can’t take the emotional pain any longer, we sell, and when the market is up we buy more.
“A BULL MARKET IS LIKE SEX. IT FEELS BEST JUST BEFORE IT ENDS ” ~ BARTON BIGGS
FINALLY COMING TO THE CONCLUSION — the investment in mutual funds does not only depend upon the external factor of the market but also depends upon your individual financial situation, the amount of income that you generate, and the amount of money you can invest in a market without taking any risk consistently defines the wealth and stability you will generate in future.
“THE GOAL IN INVESTING IS TO GET THE MAXIMUM NET RETURNS FOR A GIVEN AMOUNT OF RISK “
COST-EFFECTIVE MUTUAL FUND
MUTUAL FUND THAT IS MORE RELEVANT IN TERMS OF CHARGES
NEARLY EVERY PERSON WE ASK DOESN’T KNOW EXACTLY HOW MUCH FEES HE OR SHE PAYS – we admit that even at our stages in life we never knew the entire thing, the fee factories have become masterful at either hiding the fees or making them appear negligible “no big deal” we are here to help you out (bridgenile.com). when climbing the mountain of financial freedom you will need every bit of forwarding progress to succeed.
Nothing becomes more frustrating than to be told one price but then realize that you are paying another, you agree on the price of a new car, but when it comes down to signing the documents, a couple of thousand in fees magically appear. Or you check out of a hotel and discover additional resort fees, tourism tax, a wireless internet fee, fee for towels – hope you get the point.
The average cost of owning a mutual fund in India is 2.5-3% per year in actively managed mutual funds whereas in index funds the fees are approximately 0.15%-0.25% (max). For the long-term tenure, the returns are drastically different from one another, our basic view of the way becomes clear whenever we buy any mutual fund first duty will be to observe our financial income and investing capacity than proceeding to a fiduciary advisor ( why “fiduciary” since we provide the most unbiased decision )
FINANCIAL ENTERTAINMENT
when you just turn on the financial news on any channel, you can observe that it is less news and more sensationalism. stock pickers scream their hot picks of the day while sound effects smash and crash. through our living room speakers reporters film ” live on the scene” directly from the trenches of the exchange floor.
the system paid for by advertisers breeds the feeling that maybe we are missing out! if only we had a hot tip. if only we knew the next “must-own” mutual fund that would surely be the 5-star comet.
so where do you put your money? who can you trust? who will protect you and get you the best return on your investment?
these are immediate questions that are sure to come to mind now that you have committed to becoming an investor -so here is what most people put their money into for the long haul. usually the stock market or share market.
Still confused about which mutual fund is suitable for your personal economic performance, Don’t worry just visit BRIDGENILE.COM
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I don’t think the title of your article matches the content lol. Just kidding, mainly because I had some doubts after reading the article.
Can you be more specific about the content of your article? After reading it, I still have some doubts. Hope you can help me.