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Learn More about Mutual Funds
What is SIP ?
Its possible to invest a fixed amount on a monthly basis in mutual funds. Its called as SIP (systematic investment plan).
All you need to do is choose the amount, choose a fixed date, and your SIP will get started.
You can stop your SIP anytime or increase/decrease it whenever you wish to.
Invest Small ?
You can start your investments in mutual funds with a small amount as low as Rs 500 per month.
Its for everyone … Not just RICH !
No Lock In
Your money is not locked in mutual funds. You can invest and redeem your money from mutual funds anytime you want.
So you do not have to worry about your money getting locked for some period unless its a tax saving mutual funds, where its locked for 3 yrs period (lowest among other tax saving instruments)
Tax Saving Under 80C
There are special tax saving mutual funds called ELSS (Equity Linked Tax Saving Scheme’s) where you can invest under section 80C and taken benefit.
These ELSS funds are diversified equity mutual funds and they are high return/ high volatility based funds.
ELSS funds come with 3 yrs of lock in.
Your mutual funds investments are quite liquid and you can take out your money anytime.
There is no lock in except when you invest in ELSS funds.
However note that in some mutual funds, there may be an exit load which is applicable if an investor takes out the money before a minimum time frame.
This is generally to discourage investors from redeeming their money for some emotional reason.
Taxation in Mutual Fund
Equity Mutual Funds
Equity mutual funds profits are taxed at 10% beyond Rs 1,00,000 in a financial year. So if you redeem and make profits of 5 lacs in equity mutual funds, you will be paying 10% on Rs 4,00,000 (standard deducation of Rs 1,00,000) , which will be Rs 40,000
Debt Mutual Funds
For debt mutual funds, if you sell it after holding for 3 yrs, then you will pay the tax at the rate of 20% on the profits after indexation benefits (that simply means your cost price will be indexed as per inflation and you will get benefit of rising inflation)
If you sell debt fund before 3 yrs, the taxation will be exactly like fixed deposits, means you will pay the tax as per your rate slab.
Mutual Fund are Volatile
Mutual funds are not like Fixed Deposits or PPF where your investments will grow at a certain rate each month or year.
Mutual funds invest in stocks of listed companies and as the nature, stocks prices fluctuate each day by a good margin up or down based on news, rumours, hearsay, emotions, sentiments, global news etc etc.
So they are bound to move up and down and be volatile.
How much return you can expect ?
Equity Mutual Funds
Equity mutual funds are proved to have beaten every other asset class in long term and provided huge returns which beats inflation and create huge wealth for its investors.
Equity mutual funds over the last 2 decades have given return in the range of 14-18% per year CAGR.
Debt Mutual Funds
If we talk about debt mutual funds, you can expect the returns in range of 9-11% depending on the type of debt fund.
This is around 2-4% higher than your other fixed asset instruments like FD or PPF.
Growth or Dividend option
When you invest in any mutual fund, you have two options to choose from
Growth Option – Here your investments grow and all the gains compound back and grow in value over time. Its a perfect option for those who are invest in mutual funds from a long point of view and do not require any thing back in between.
Dividend Option – If you choose dividend option, some part of your gains is returned back to you in form of dividends. Its good for someone who needs a regular income our of mutual funds.
Types of Mutual Funds
Basically there are 2 types of mutual funds on a very broader basis
Equity Mutual Funds – These are the funds which invests primarily in stocks of companies. The value of these funds depend mostly on the stock market movements.
Debt mutual Funds – These are the funds which have major investments in bonds, debentures and debt papers. These are highly safer funds and depend on the interest rates cycles.
All other funds are just a combination of equity and debt in different proportions.
Mutual Funds are Regulated
Mutual Funds are regulated by SEBI and its very well designed product. All the checks and balances are kept in place and everything is safe from operational point of view.
Mutual Fund as an industry is more than 25 yrs old in India and 100 yrs old globaly.
Mutual funds invest money in 30-100 stocks. These stocks are from various sectors.
So your money is diversified into different companies and your risk comes down. If one company does not perform well, many others will do and you will not incur losses.
So compared to stock investing, mutual funds are highly secure and rewarding for a common man.
Mutual Fund Account Opening Form
This is just a one time account opening formality to start investing in Mutual Funds.
It will take approximately 15 minutes to complete this form.
Please keep the following documents handy for completing this form.
- Soft copy of your PAN card
- Soft copy of your Address Proof (Passport / Aadhar Card/Driving License/Voter Id)
- Soft copy of your Bank Proof (Cheque copy / Bank Statement / Passbook)
- Soft copy of your Latest Colour Photo
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