Mutual fund sahi he - Smart Shiksha

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Monday, December 30, 2019

Mutual fund sahi he

Do You Make These Simple Mistakes In Mutual Fund Sahi He?

Where do we usually keep our inclusive extra money, Can't fix it?

Everyone wants their income earned to be extra profitable.

Everyone wants to make a good profit by investing their money in a good place and in order to make this extra profit, we put our money in a savings account in the greed of 4 to 5 percent interest.
Or we make a fixed deposit of our money. Or invest in the stock market. 

There are many people who invest their money in buying gold. 

There are many of them who can't decide where to invest their money. 

There are many people in the world who don't know what a mutual fund is and how mutual funds work. 

Many fear that mutual funds will sink or what if they do not get their money back? 

Because when we hear about the stock market, we think of various movies where there are many stories of the stock market sinking.

After reading this entire article, I can tell you with a 100% guarantee that you will say the same word "Mutual fund sahi he".

Mutual funds are a golden opportunity for all kinds of people to make a big profit by investing their money. 

You do not need a Demat account to invest in mutual funds.  Investing in mutual funds is a risky one, however, you can invest a minimum of  1,000rs per month through SIP(systematic investment plan). SIP investment is not that risky. 

In this, you can see a 10 to 15 percent increase in your money invested every year. So today we are going to discuss "Mutual fund sahi he"

There are 300 to 400 plans in the market for investing money. 

If you choose the lowest plan and invest your money there for 8 to 10 years, then I can tell you with a 99% guarantee, at least you get a higher return from a fixed deposit. 

You will get 9 to 10% interest returns, even if you have chosen the worst plane in the market. It is highly unlikely that you will lose in the long term. 

So there is no need to fear to invest in mutual funds. It Provides more return than investing in a savings account or a stock market or gold investment. 

But yes you need to choose a trusted mutual fund company. So This time, I hope your fears about mutual funds are gone.

What is a mutual fund?


A mutual fund is a fund where many people deposit money in one place and this money is invested in the stock market by a fund manager. 

In fact, our invested money goes to a place, That is the stock market. 

You can buy shares directly in the stock market. But before investing money in the stock market, you have to investigate a lot. 

Sometimes the stock market goes up and sometimes the stock market goes down. 

In that case, it is difficult to profit from the money invested in the stock market. 

You can seek the help of a fund manager before investing in the stock market. 

But the fund manager's fees are very high so it will be a little difficult for you to pay the fees. 

Suppose you invest in the stock market at 10,000 rupees but the fund manager's fees also 10000 rupees. 

So do you see any profit on your invested money? 

It would not be possible for you to buy shares of a large company because you want to invest in Limited Money. 

Mutual funds will give you the opportunity to invest in any company that you cannot invest in the direct stock market.



So instead of investing directly in the stock market, we invest our money in mutual funds. 

2 to 3 percent interest will be deducted for the fund manager and the remaining money will be fully invested in the stock market or other companies. 

In this way, everyone is paid a big buck for the fund manager by deducting 2 to 3 percent interest from them, and the money deposited from many people takes on a larger size. 

The fund manager invests the money in the stock market, after some time when a good return comes, everyone is divided according to their amount.


How Mutual Funds Work?


Many people think that mutual funds simply mean investing in the stock market, but in reality, that is not true. 

You can point to gold through mutual funds or real estate or debt fund or invest in the stock market or equity if you wish. 

But when it comes to higher returns, we will take into account the equity or the stock market


The mutual fund launches a multi-cap fund and collects money from different people. 

In this case, those who are interested will invest in this asset management company they will invest in these AMC funds and this money will be invested by the experienced fund manager in various stock markets.


Advantage of Mutual Funds


1. More diversification for a little money. If you invest 2000 rupees in a mutual fund you can buy shares from fifty companies with that 2000 rupees which you cannot directly in the stock market.

2. Your 2000rs invested in mutual funds will be managed by an Expert which you cannot do directly. Because the wages of an expert are more than two thousand rupees. So by investing in mutual funds, you are getting the help of an expert at a very low cost. Most mutual funds have a very low express ratio. The fund manager's wages are called express ratio.

3. Once you invest in a mutual fund, you can rest assured. You do not have to worry about when to buy a stock or when to sell a stock. 

You can invest in mutual funds by launching a SIP in your bank account. 

This will automatically deduct the money you set from your account each month. 

You can turn off SIP whenever you want, or increase SIP, or lower SIP. 

Suppose your account might have a SIP bounce for no money in a month. 

You don't have to worry about it because it's not like a check bounce. 

You do not have to pay extra for SIP bounce. So investing in mutual funds through SIP is very flexible.



Disadvantages of Mutual Funds


1. There are many mutual fund companies who focus on how much money can be deposited from people, regardless of how they sell and buy shares from deposited money. 

The company will profit from 1%-2% of the interest that people invest in the money. So regardless of how the company's performance is doing, the goal is to collect more money from the people. 

Collecting money doesn't focus too much on managing money.

2. When to buy shares and when to sell shares, it is not in the hands of a mutual fund manager. It's in your hand. 

When you pay, the fund manager can buy shares. 

The moment you ask for a refund, the fund manager will have to sell the shares and return your money. 

when the stock market falls, ordinary people are scared at that moment. 

But at that moment the fund manager will want to buy more shares so that as the stock market grows with the change of time, more profits can be made. 


Types of Mutual Funds.

There are basically 3 types of mutual funds based on risk

1.low risk

Those who want to invest in mutual funds but do not want to take too much risk can take this category.  

However, as the risk is lower in such cases, there is less chance of getting a high return. 

An example of a low-risk fund is the gilt fund where the investment is made in government securities.

2. medium risk

These investments bring small to moderate risk for investors. 

For those who want to get a little bit risk of an investment, this offers a high return and for them, it's a golden opportunity. 

But of course, these funds can be used for the long term.


3. high risk

This category is ideal for Mutual Funds who want to invest their money in very high risk and want to create wealth. 

One example of high-risk funds would be inverse mutual funds. Since these mutual funds are high risk, their returns are very high.



How to invest in mutual funds?

Follow these procedures before investing in mutual funds

1. Understand your risk-taking capabilities and risk tolerance To what extent you are able to take this risk is called risk profiling.

2. Your next step will be to allocate funds. Allocate the money according to your earning and use it in different areas so that your risk level is as low as possible.

3. Then identify the AMC companies available in the market according to their previous transaction and records. 

Look at the number of customers who have returned in the past. 

See who the fund manager is and what is his qualification. Where you put the money in a mutual fund will be invested know that.

4. The next step is to choose a mutual fund scheme. However, you can apply it both online or offline.

5. Diversification of your investments and follow-ups are important to ensure that you get the best out of your investment


which fund is the best to invest money in 2019

All these asset management companies mentioned below have provided a lot of good services in mutual funds in 2019.


Mirae Asset Emerging Bluechip Fund

Axis Bluechip Fund

ICICI Prudential Bluechip Fund

SBI Bluechip Fund. Multi-Cap Funds

SBI Magnum Multicap Fund.

Reliance Large Cap Fund

Reliance Small Cap Fund

So the last thing can be said about mutual funds "Mutual fund sahi he".

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