Building a MF portfolio is akin to building and furnishing your home. There is no model portfolio to suit everyone's needs, so you can follow a few rules to build yourself one.
Mutual funds provide the right opportunity to the millions of investors
Discipline and patience - that is the mantra to creating wealth on the stock markets
There are three options available to us whenever we invest in a mutual fund
Systematic investing in a mutual fund is the answer to preventing the pitfalls of equity investment
It is important to plan for your children's education well in advance
If insurance was a good investment product, I am sure this question would not have come up. But the answer, I am afraid, will not be a plain 'yes' or 'no.'
If India sustains long-term growth, you could make good money off the stock market.
The only thing important point to keep in mind here is that you must have the investment horizon to hold the units till maturity. If you want to exit in between, you may not make any money as you too will have sell at the discount.
Are you going overboard with your debts?
The mantras to creating wealth on the stock markets: Discipline. Patience!
Broadly, one could assess the impact of the Budget on personal financial planning from two angles. Check them out.
One can short-sell an ETF or buy on margin or even purchase one unit, which is not possible with index-funds/conventional MFs.
Let's hope the FM takes care of these issues in the forthcoming budget to give a further impetus to long-term financial planning.
The returns from such funds will be limited
Budgets are not meant to 'tie' you down but give you a defined economic freedom.
For once let us not only make some resolutions, but also keep them
Bonds funds enjoy lower tax vis--vis the Bank FDs (and no hassles of TDS too) and hence can be a better option for people in the higher tax-brackets.
Let us look at the various issues associated with FoFs -- some are positive and some negative.
Protect yourself from these risks right away. The cost will not add-up to more than what you annually spend on weekend dinners/movies but then if uninsured, the loss can be financially devastating.
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