Critical Things to check before Investing in ‘Mutual Funds’ #5
Understand your profile 1 Risk Profile Investment Objective Conservative Protect investment from loss Check your Risk Attitude and Risk Capacity Moderate Capital growth along with capital appreciation Moderately aggressive Capital growth with calculated risk Know what is your objective in terms of Growth? Aggressive High risk for super natural returns
Calculate your Goals 2 Steps to calculate amount Step 1-List down all the financial goals of life with expected dates Step 2-Put the amount of money required to meet those goals. Step 3-Defining how much money should one invest today to achieve those goals.
Choose the Category of Funds 3 Risk Profile Investment Style There are different funds available for different investors. Conservative Mix of Debt Fund, Gilt fund, FMP Moderate Mix of Balanced fund & Debt Funds Generally, there are different type of funds such as debt funds, equity funds, balanced funds etc. Mix of Diversified Equity Fund, Balanced fund, Mid cap fund Moderately aggressive Mix of Diversified Equity Funds, Mid cap fund, Sector funds Aggressive
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Select the fund 4 Select Mutual Fund with : Low Expense Ratio: It is percentage of basic overall business expenses of mutual fund. Scheme with high expense ratio will eat into your returns Consistent Historical Performance: Historical performance aids in anticipating the future performance of the fund and hence is looked in during the selection process. Decent Size of Mutual Fund Corpus: One way to judge a mutual fund is to know its corpus and compared with the competition .
Tax on Profits 5 LONG TERM CAPITAL GAIN TAX Individual/HUF NRI Equity Mutual Funds (Listed)(All Units Held for more than 12 months) Equity Mutual funds (unlisted, exit by way of redemption of units)(All Units Held for more than 12 months) Mutual funds other than equity funds (Listed)(All units held for more than 36 months) Mutual funds other than equity funds (Unlisted)(All units held for more than 36 months) Nil Nil Nil Nil 20% with indexation + 12% surcharge+ 3% Cess = 23.0720% 20% with indexation + 12% surcharge+ 3% Cess = 23.0720% 20% with indexation + 12% surcharge+ 3% Cess = 23.0720% 10% without indexation + 12% surcharge+ 3% Cess = 11.5360% SHORT TERM CAPITAL GAIN TAX Equity Mutual funds(All Units Held for less than 12 months) 15% + 12% surcharge+ 3% cess = 17.3040% 15% + 12% surcharge+ 3% cess = 17.3040% Mutual funds other than equity funds(All units held for Less than 36 months) As per Slab Rates + 12% surcharge+ 3% cessAs per Slab Rates + 12% surcharge+ 3% cess
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What You get@ Rs 1 Wealth Creation Advice Monthly Savings Advice Tax Saving Investments In case you want to invest Lump Sum In case you want to invest On Monthly basis In case you want to Make Tax Saving Investments Portfolio Restructuring Advice Online Transaction Goal Planning If you want to Restructure your portfolio In case you want to Plan your Financial Goals In case you want to Buy and Sell any product
Right Process 1 2 3 4 5 Financial Goals Knowing- Risk Profiling Knowing- Right Portfolio Buy/ Sell Regular Monitoring Investment Products right as per risk profile With least Brokerage & Commission Of Portfolio and Markets All Financial Goals of the life Risk Capacity- How much Risk you can afford to take The amount required to meet them Inflation adjusted Portfolio efficient which is tax With Nil hiddencosts Rebalance when required Investments Risk Attitude- How much Risk you want to take Know Best 5 shares for your Risk Profile Start Now
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