Mutual Fund Sahi Hai
Saving Right way is Key to Earning Money. Let your Savings earn you Money. Investing your Savings in right way is Key to Happiness.
Happy Life needs Few minutes daily thinking on our financial needs. Simple Questions - What is your income (cash inflow) & What is your cash outflow ; What are your Cash needs in next 1 / 2 /3 / 5 yrs example - buy Car, Pay College fee, buy House, buy Gold etc. Every need can be met but would require few minutes of your time daily.
Mutual funds are
ü Safe - Effectively
regulated by Govt-SEBI
ü Liquid - Withdraw any time any required amount
ü Good Returns - Longer you invest higher returns + 15%
pa compounded
ü Invest/Save Small amounts from Rs 500
ü Transparent - Investment value disclosed daily
ü Income Tax Saving – Reduce & Postpone Tax
payment
Double your money in 5 to 6 years. Investing your Savings in Right Equity Mutual funds enables you to double your investment Safely & Transparently in 5 to 6 years.
Saving / Investing Rs 10,000 per month in Right Equity Mutual fund for 5 year gives you more than Rs 9 lacks. You Saved Rs 6 lacks and earned Rs 3 lacks.
Saving Monthly small amounts & Staying invested gives Big Returns. Save Rs 3,000 per month for 5 years (Feb 2019 to Jan 2024) – 60 months Investment Rs 1,80,000
|
|
Jan
2024 |
||
|
|
Investment Value |
Earned |
% per annum |
|
HDFC Flexi Cap |
3,30,000 |
1,50,000 |
22% |
|
SBI Flexi Cap |
2,80,000 |
1,00,000 |
17% |
|
Kotak Flexi Cap |
2,80,000 |
1,00,000 |
17% |
|
Parag Parikh Flexi |
3,30,000 |
1,50,000 |
22% |
|
ICICI Pru Value |
3,40,000 |
1,60,000 |
22% |
|
SBI Contra |
3,90,000 |
2,10,000 |
30% |
If you Can you Stay Invested for upto
2 yrs - Right Conservative Balanced Mutual fund gives 2% more than Bank FD’s.
1 yr – Right Debt Fund gives 1.5% more than Bank FD’s
Inflation at 5% you need Safe Return of more than 6% to Protect your Savings. Does Bank FD protect your Savings??
Mutual fund are right for
ü People of All ages
Save in - Bank
/ Post-Office / PPF / NSC Or LIC Or Mutual
Funds ????
|
|
Banks |
PO/
PPF / NSC |
LIC |
Mutual
Funds |
|
Safety |
RBI Regulated |
Govt Guaranteed |
IRDA Regulated |
Regulated by SEBI |
|
Returns |
1% to 8% |
1% to 8% |
3% to 5% |
1% to 15% |
|
Liquidity |
Immediate |
Immediate |
3 days |
Immediate |
LIC – Insurance is for covering Life Risk. Savings in Insurance polices give very low returns
Inflation – is +5%, Interest in Banks and LIC Reduce your Savings. Mutual funds give higher returns than Inflation.
Income Tax – Mutual funds allow you to Reduce & Postpone
Investment in Real Estate / House ???
|
|
Real
Estate |
Mutual
Funds |
|
Returns |
Doubles its Value in
+8 yrs |
Doubles its Value in +6 yrs |
|
Risk |
100% is on One Asset
at One location |
Various Companies /
Industries |
|
Amount |
Minimum Investment is
+ Rs 20 lacs |
Minimum Investment is
Rs 500 |
|
Liquidity |
Rely on brokers to Sell your asset |
Encash from Rs 500
SEBI guidelines |
|
Value |
Actual Realisable
Value is not Certain |
Realisable Value is
disclosed every day |
|
Regulated |
Totally Unregulated |
Fully Regulated by SEBI |
Where to Save / Invest ???
You need to become Conscious
of
ü How
many years you can Earn & How much per year conservatively ?
ü What
is your present Assets & Income ?
ü How
much Cash you need to pay to meet your needs – Monthly Expenses / Emergency
Funds / Buying Assets House – Car / One-time Expense College Fee / Etc
Above would help
in identifying – Where to Save / Invest
Retired Chartered Accountant
& Certified MF Advisor passionate to discuss Financial Planning tips for
Happy life.
