Several investors are often apprehensive of investing in the markets given the current market situation. As a result, these investors are often on the lookout of safer investment options that can help them take a defensive position in the market. One such great investment option for such investors can be hybrid mutual funds. Hybrid funds ensure graded exposure to equity as per your risk profile. Different types of hybrid funds aim to cater to varying goals of investors. In this article, we will understand about hybrid funds, their types and why you should invest in hybrid mutual funds.

What is a balanced fund?

Balanced funds, commonly known as hybrid mutual funds are a type of mutual funds that contain both stock and bond component in a predetermined ratio in a single investment portfolio. The stock component in the fund helps the fund to earn higher returns on their portfolio, while the bond component in the fund helps to diminish the risk exposure of the fund.

Types of hybrid funds

There are different types of balanced funds an investor can choose from. Let’s have a look at some of these mutual funds. Balanced advantage funds or BAF is a hybrid fund wherein the fund manager determines the equity allocation in the fund. On the other, aggressive hybrid funds or AHF invest around 65% to 80% of their assets in equities and equity-related instruments. In the next category, equity savings funds have an equity exposure of around 20% to 40% as per the fund’s investment objectives. The remaining corpus in equity savings fund is allocated to debt instruments and hedged equity.

Advantages of balanced mutual funds

There are several benefits of investing in hybrid funds. Let’s look at a few of these advantages enjoyed by hybrid investors:

  1. Investment discipline – Hybrid funds decide their asset allocation to equity and debt instruments as per the investment objectives of the portfolio. As market movements are not uniform, this ratio of asset allocation might get distorted. If the equity markets experience rally, the originally decided ratio might work in the favor of equities.
  2. Flexibility – In all equity-fund categories, with the exception of flexi-cap funds, fund managers are bound to invest in these funds in a specific ratio. For instance, ELSS mutual funds are mandated to invest a minimum of 80% of their assets in equity investments. Multi-cap funds are mandated to invest at least 25% of assets in small-cap, mid-cap, and large-cap funds. Large-cap funds are authorized to invest in the companies of top 100 stocks. However, hybrid funds offer flexibility to investors to determine their asset allocation mix as per their financial objectives, risk profile, and investment horizon.
  3. Tax aspect – The equity component in balanced funds is taxed similar to equity funds and the debt component in hybrid funds are taxed similar to debt funds. If you are still confused about the tax aspect on their investments, you might consider availing of the services of a financial expert.

read more

Things to keep in mind before investing in international funds

Many retail investors can benefit from exposure to international investments. It is because they can invest in sectors and businesses that don’t exist in the Indian stock markets. Moreover, the Indian markets have a low correlation with certain international markets. This low correlation is advantageous since it lowers portfolio volatility and guarantees good diversification. These funds act as a hedge against Rupee depreciation.

While international funds have become the new trend in the world of mutual funds online, there are some basics to learn before you decide to add these to your portfolio basket.

  1. There are risks

The performance of some international funds in the last 5 to 10 years has been exceptional. Some funds clocked five-year annualized returns of more than 20%. However, the returns from some others declined to low single digits. Therefore, picking and tracking your international fund is vital.

With international funds, you are widening your geography. The theme is also potentially unfamiliar to you. As a result, it can be challenging to assess the long-term risks of investing in a particular international fund. Take the assistance of a reputable stock broking firm or financial management consultant for better decision making.

  1. It needs constant vigilance

Social, economic, and political factors in different countries influence the performance of mutual funds differently. Investors need to monitor the market movement for generating higher returns.

  1. Consider the currency impact

Investing in an international fund requires currency conversion. Your SIP in an underlying fund in a foreign capital market starts in Indian Rupees. The amount is then converted into the currency of the international market, where the underlying asset is issued. During redemption, the sale is executed in overseas currency. For payment to your account, the amount is again converted to Rupees. If the value of the Indian Rupee has appreciated against the currency of the underlying fund, you will be at a loss during currency conversion and vice versa.

  1. Focus on diversified options instead of themes

Many international funds are available today. In June 2021, there were around 50 international funds. Five years ago, the count was half. As a result, investors can feel overwhelmed while choosing an international fund. It is easy to make the wrong choice or pile on several different schemes.

Stay away from very specific themes. The chances of underperformance in these themes can be high in the long run.

  1. Tax-efficiency

It is vital to understand the tax liability on international funds. The concern of taxation can be a potential pitfall. For example, hybrid global funds allocate 65% to 70% of their corpus in domestic businesses and the remaining in international markets. As a result, their returns are subject to long-term capital gains tax.

Final thoughts

Adding international funds to your portfolio helps with diversification. Even if the Indian market is struggling, you can earn from the performance of some international themes. However, it is not easy to predict which international fund will give you the best returns. Use the Tata Capital Moneyfy App to invest in international funds and benefit from economic productivity across the globe.

read more

Things You Need To Know About ELSS

It’s tax season and you have seen billboards or posters on bus stops about ELSS funds and tax benefits. Not if you are not aware of what it is let us enlighten you with the same. ELSS or Equity Linked Savings Scheme is a one-of-a-kind equity mutual fund scheme that also comes with a tax benefit. Investors get exposure to the investment opportunities in stock markets as well tax exemption over a certain invested amount. As more and more people are becoming aware of its benefits, ELSS is gradually becoming a more favored tax saving tool for Indian taxpayers.

Here are a few important things that one should know about ELSS mutual funds –

Asset Allocation of ELSS funds

Unlike conservative tax-saving instruments that invest the majority of your investible corpus in debt and related money market instruments, ELSS is a pure equity mutual fund. When we say pure equity mutual fund, what we mean is that ELSS invests a minimum of 80% of its investible corpus in equity and equity-related instruments of publicly listed companies. This is as per the guidelines set forth by the stock Indian market and securities regulator SEBI. While the majority of the portfolio has exposure to stocks, the fund manager may invest the remaining of the portfolio in fixed income securities.

A Short Lock-in Period

If you take a look at all the other tax saving instruments under Section 80C of the Indian Income Tax Act 1961, ELSS has the shortest lock-in among all. While the lock-in duration of other tax-saving instruments like PPF, bank FDs, NPS, etc. may last anywhere between 5 years to 15 years, ELSS has a short lock-in of only 3 years. Investors can redeem their investments after the 3 year lock-in period. However, if you really want to build a commendable corpus, you may choose to remain invested for a longer duration.

Invest via Systematic Investment Plan

One of the easiest ways to create long term wealth with ELSS is by starting a monthly SIP. Also referred to as Systematic Investment Plan, SIP allows investors to benefit from the power of compounding and rupee cost averaging. Investing in ELSS funds via SIP is much better than investing through lump-sum. Since the Net Asset Value (NAV) of the ELSS scheme tends to fluctuate from time to time, investors may be able to buy more units in a longer duration through SIP than they will if they make a lump-sum investment and purchase units using their entire investment sum all at once. The best part about SIP is that you can start investing with an amount as low as Rs 500 per month.

Understand the risks associated with ELSS funds

Yes, it is true that ELSS comes with a tax benefit. Yes, it is also true that ELSS may offer decent risk adjusted returns in the long run. However, that does not mean that you will get guaranteed returns on your investments. ELSS is a market-linked scheme that is constantly exposed to market vagaries. Although it has the potential to generate yields in the long run, it can be extremely volatile in the short run. Hence, as investors, it is essential for individuals to remain patient with their investments and do not take emotionally driven decisions. Withdrawing your investments when the markets are low is not a good idea as it will only lead to losses. Instead, investors must look at the bigger picture and understand that they have a chance at long-term capital appreciation. Also, one should determine their risk appetite and only invest if they are willing to take higher risks with their hard-earned money.

read more

5 Tips for Finding the Best Mortgage Lenders for First-Time Buyers

First-time homebuyers often have quite a few questions about what to expect throughout the process of purchasing their first house. One of the most important factors when buying your first home is finding the right mortgage lender who can help you get approved and find the best loan that suits your needs and financial goals. To make it easier, we have put together some tips on how to find the best mortgage lenders to work with you as a first-time buyer.

1) Know your credit score

The strength of your credit score is a big factor in getting approved for a mortgage. A mortgage lender will want to see evidence that you’ve managed credit responsibly to make sure that you can afford a home loan. If you have an imperfect credit history or have never used credit, then ask a family member or friend with good credit to co-sign on your loan application.

2) Find a mortgage lender you can trust

As a first-time homebuyer, you’re probably looking forward to that moment when you can sign on that dotted line and start calling yourself a homeowner. And while it’s exciting, you shouldn’t let your eagerness cloud your judgment when it comes to finding a mortgage lender. The last thing you want is to secure financing from someone who doesn’t take your best interests into account or is merely out for themselves instead of looking out for yours.

3) Understand how down payment works

If you’re a first-time homebuyer and don’t have a 20% down payment saved up, you can still get a mortgage—you just have to bring more cash to closing. A typical lender will require that you pay at least three percent of your home price in cash at closing as an alternative to paying 20% upfront.

4) Talk to other borrowers

One of the best ways to find a good lender is to talk to people who have already purchased homes. If you know someone who’s been through it, use that knowledge to help you narrow down your options. Chances are good that their lender was knowledgeable and well organized—these traits are what you should be looking for in your own lender.

5) Consider what type of loan is best

Choosing between a fixed or adjustable-rate loan requires you to take a look at your financial situation and long-term goals. There’s no wrong answer, but knowing what each option has to offer can help you make an informed decision. If you’re on a tight budget, an adjustable-rate loan could help you get in a home more quickly; if interest rates are expected to rise over time, it may be better to choose a fixed-rate loan.

When it comes to buying a home, there are many factors that need to be considered. Purchasing a home is one of life’s biggest financial decisions and finding a mortgage lender who you can trust is crucial. Whether you’re looking for an experienced mortgage professional with years of experience or someone who takes pride in providing excellent customer service, there are plenty of companies to choose from. These five tips will help first-time buyers find their ideal lender. Start your search today!

read more

5 Advantages of Hiring A Finance Broker When Seeking Business Financing Options

When you hit the road to looking for the best financial option for your business, the experience can be overwhelming. There are many financiers, each operating a different model. It’s, therefore, crucial to hire a reputable finance broker to help you narrow down your options to your best fit. Contacting a finance broker has various advantages.

Who Is A Finance Broker?

If you are interested in financing your business but are not sure how to go about it, one option you may want to consider is hiring a finance broker. They can help walk you through your options to understand what you need to fund your new business venture. They do more than connect businesses with potential funding sources; they also offer guidance and ensure that all parties involved fully understand the terms and conditions surrounding each type of agreement.

Here is an in-depth look at the benefits of hiring a finance broker when seeking business financing options – and how it could help you get the funding you need for your business project!

1.   They Know Where to Get Money From

One advantage of having a finance broker is that they already have relationships with lending institutions. If you hire a finance broker to help secure financing for your business, they can get you in front of lenders who will potentially fund your business. Consequently,  you will spend less time figuring out which lender to approach and more time focusing on other aspects of running your business.

By simply presenting a professional finance broker with your business plan, they could facilitate introductions and provide a solution to your business finance. They could connect you with potential clients using their network of contacts before you even walk through their doors.

2.   You Save Time by Not Having to Search for Loans and Leads Yourself

Business owners may find it overwhelming and even confusing to find the best financing options for their business. It may not be easy to track down and call leads for financing. They need to run their business. If you are looking for business financing, consider hiring a finance broker who can handle all that work for you. You don’t have to wait weeks or months when you bring on a professional finance broker who understands your business and what it needs to grow, prosper, and succeed.

3.   When You Involve Finance Brokers, The Process Works Quickly and Smoothly

If you are looking for a business loan, one of your goals should be to get approved as quickly as possible. The process works smoothly and rapidly when you work with a finance broker who knows how to customize your loan request to get it approved within just a few days. Suppose your company can secure funding without delay. In that case, you will be able to jump right into executing all the exciting plans in your business plan.

4.   Gives You Access to All Available Financing Sources

When you try to raise money from banks and other traditional sources, they usually have limitations on where they can lend funds. However, with a finance broker, your options are virtually limitless. No matter what type of financing source you seek—including loans from private lenders—they can help match you up with several different possibilities, so long as it fits their criteria.

5.   A Finance Broker May Help you To Avoid Predatory Lenders

Hiring a professional finance broker is the best option to avoid predatory lenders that target small businesses. The finance broker professionals will help business people connect with lending options that benefit them. They will also be able to steer you clear of certain types of lenders, like payday loan companies. These companies use deceptive advertising and unethical practices to lure customers into debt traps from which they can’t escape.


Hiring a finance broker is almost always a good idea if you are looking for financing options. While many banks and other private investors offer loan assistance to small businesses, sometimes it can be hard to secure financing when you don’t have perfect credit or any collateral. However, if you hire a finance broker, they can help find several potential lenders who could provide loans based on your unique business needs and situation. You can contact CreditOne Smarter Finance for the convenience of finding your best business financing options.

read more


Investors new to the investing world have plethora of questions related to investing. What is the best way to invest in mutual funds? What is SIP? What is lumpsum mode of investment? What are the benefits of investing through SIP mode of investment? Often new investors confuse SIP with mutual funds, assuming that these investment products are interchangeable. However, they cannot be more wrong. SIP or systematic investment plan isn’t any investment product. Rather, an investment tool that allows investors to invest in mutual funds. Hence, one does not invest in SIP, rather invest in mutual funds through SIP. Now, that we have cleared the most common yet most widely misconstrued concept about SIP investment, let’s understand if you should go forward with SIP route of investment.

What is SIP?

SIP allows individuals to allot a predetermined sum of money at regular intervals in their desired mutual fund schemes. The predetermined amount of money gets debited from the bank account of the investor on the specified date and is used to purchase mutual fund units at the prevailing NAV of mutual fund or net asset value of the fund. Let’s understand the working of SIP with the help of an example. Maria wishes to buy a new phone which is estimated to cost Rs 60,000. However, she does not have the entire amount handy with her currently and decides to invest in mutual funds through SIP mode of investment. She invests Rs 5,000 per month in her desired mutual fund scheme for a year. By the end of the year, she would not have only invested the entire amount of Rs 60,000 but also earned potential yields on the schemes she buys each month.

What are the benefits of SIP?

There are several benefits of SIP mode of investment. Here are a few benefits of SIP mutual fund:

  1. SIP mode of investment has a very low minimum investment amount of just Rs 100 per month. This makes them quite affordable for individuals belonging to different economic backgrounds.
  2. SIP investments are quite flexible in nature. An investor has the liberty to change the frequency of their investments, the SIP investment amount, tenure of the investment, the mutual fund scheme they wish to invest in, etc. before and even during an investor’s SIP investment journey.
  3. SIP investments are automated in nature. What this means is that a specified amount would automatically get deducted from an investor’s bank account at specified intervals for a given period. This helps to instill financial discipline among investors which is required when investing in the markets.
  4. SIP investments also allow investors to enjoy the benefits of the power of compounding. Compounding allows investors to earn substantial yields on their investments.
  5. SIP investments also benefit investors through a concept known as rupee cost averaging that averages out the cost of mutual fund units purchased over a period.
  6. SIP also eliminates the need to time the markets. Rather, an investor must focus on time in the market.

read more

A Beginners Guide to Algorithmic Trading Options

What are algorithmic trading options?

Algorithmic trading is a process of using computer algorithms to place orders and trade securities. There are various algorithmic trading strategies, but they all use computers to decide when and how to trade.

One type of algorithmic trading is options trading. Algorithmic traders use options to profit from changes in the cost of the underlying asset. The buyer of a put option is betting that the price of an underlying asset will go down before the contract’s expiration date.

Two option types

The two types of options are calls and puts. On or before the option’s expiration date, a buyer may buy an underlying asset at a set price by purchasing call options. A put option gives the buyer the right to sell an underlying asset at a specific price on or before the option’s expiration date.

So, what does this mean? Let’s look at an example: say that algorithmic traders believe stock XYZ will rise in price. They can buy call options as a way to profit from this movement. If you buy one call option contract, it gives you the right to purchase 100 shares of XYZ stock for $50 per share until your selected expiration date, which could be several weeks away. That means if XYZ increases and is trading at $60 per share when your options expire, you can use your choice and buy the stock at $50 per share, then sell it at the current market price of $60 for a $10 profit per share.

On the other hand, if XYZ falls in price and is trading at $40 per share when your options expire, you can still exercise your option and purchase the stock at $50 per share. However, you would then be selling it at a loss of $10 per share. In this way, options allow traders to profit from the underlying asset’s rising and falling prices.

How do I trade options?

To trade options, you first need to open an account with a brokerage firm that offers options trading. It would help if you then choose an options broker, the firm that will execute your options trades.

Brokerages typically charge a commission for each options trade you make. You also need to be aware of the bid-ask spread when trading options. It’s the difference between the selling price and the buying price. The wider the bid-ask spread, the more expensive trade options are.

Ready to start trading?

You will first need to choose an underlying asset. It could be a stock, ETF, index, or commodity. It would help decide whether you want to buy or sell calls or puts and select an expiration date. Finally, you place your trade.

How do I choose the best options broker?

Before choosing an options broker, it’s essential to determine your type of trader and then find a brokerage firm that offers products and services tailored to your needs. It means finding a firm that provides primary and complex strategies like algorithmic trading, including the option types you plan to use. You also need to consider commissions, fees, customer service availability, educational resources, and more when selecting an options broker.

Are there any risks associated with trading options?

The most significant risk in using algorithmic trading options is liquidity risk. If you cannot buy or sell your options quickly because there aren’t enough other traders in the market, you could end up losing money. You should also be aware of the risks associated with the underlying asset you choose to trade. For example, if you trade oil futures options and the oil price falls sharply, you could lose a lot of money.

Follow this address to start algorithmic trading options today!

read more

Do you need debt funds in a portfolio?

As investors, we are constantly trying to ensure that our overall portfolio is able to balance the investment risk and generate risk adjusted returns over the long term. One way to balance risk is to diversify your investment portfolio across asset classes and money market instruments based on your risk appetite your investment horizon and your ultimate financial goal.

Mutual funds can be one way to achieve their life’s short-term or long-term financial goals. These are market linked schemes that invest in various asset classes like equity, debt, gold, etc. Mutual funds collect financial resources from investors sharing a common investment objective and invest this accumulated pool of funds across various stocks, Government and corporate bonds, debentures, commercial papers, certificates of deposits, and other fixed income securities.

While equity funds are one of the most sough after mutual fund schemes because of their potential to generate high returns over the long term, several investors also consider debt mutual funds.

What is a debt fund?

We all know that equity funds invest the majority of their investible corpus in equity and equity related instruments to generate returns. A debt mutual fund on the other hand invests in fixed income securities and money market instruments. The investment objective of most debt funds is to generate stable returns whilst protecting the investor’s capital.

Reasons to consider debt funds for your investment portfolio

Here are a few reasons why retail investors must consider adding debt mutual funds to their investment portfolio:

Low expense ratio

Unlike equity funds that have a very high expense ratio, debt funds have a relatively low expense ratio. For those who do not know what an expense ratio is, it is an expense demoted in percentage form which includes several recurring expenses like management fees, operational costs, and other similar costs that must be taken care of to ensure the smooth functioning of the mutual fund scheme. Every mutual fund scheme has an expense ratio that is deducted from the investor’s overall capital gains. A mutual fund scheme with a high expense ratio may create a void in the investor’s overall capital gains.

Stable returns

Debt funds try to generate stable returns as opposed to equity mutual funds whose investment objective is to generate high returns by taking higher risks. This way, debt funds bring in the much needed stability to the investor’s portfolio. Equity investments are volatile and returns are uncertain. However, investments in debt funds may allow the portfolio to generate stable income.

High liquidity

A mutual fund investor must consider debt funds like liquid funds as these funds offer high liquidity. A mutual fund portfolio must maintain liquidity so that investors are able to liquidate their investments in case an unforeseen exigency arises. Since debt schemes like liquid funds invest in a portfolio of fixed income securities that come with a short maturity of up to 91 days, investors can consider these for building a medical fund or an emergency fund.

Almost zero exposure to equity

The returns generated by debt mutual funds are purely based on the underlying securities in which they invest. Since debt funds do not have any exposure to stock or other equity related instruments of publicly listed companies, any upheavals in the market are less likely to affect the performance of a debt mutual fund.


We cannot emphasize any more the importance of diversification when it comes to mutual fund investing as investors are well aware of the consequences of carrying a concentrated investment portfolio. Investors can consider debt funds for diversification. This will allow them to balance the investment risk and give them an opportunity to leverage different asset classes.

read more

Things you need to know about ELSS

Tax season is around the corner and you must ensure that you have invested the right amount in a feasible tax saving instrument so that the government does not deduct a chunk of your hard earned money. But if you forgot to plan your investments at the beginning of the fiscal year, you will have to make a lumpsum investment so that you can submit that for investment declaration in your employer’s portal. In such a scenario, investing in Equity Linked Savings Scheme (ELSS) makes more sense. Not just that. Even if you want to plan your tax investments in a systematic manner, you can consider ELSS for bringing down your overall taxable income.

Today we are going to discuss ELSS and things that you need to know before investing in this tax saver fund.

What is ELSS?

An Equity Linked Savings Scheme is a mutual fund scheme that is commonly referred to as ELSS. ELSS is an equity mutual fund scheme that offers tax benefits. Investors can invest up to Rs. 1.5 Lacs every fiscal year in ELSS and claim a tax deduction for the same.

Here are a few things you need to know about the ELSS fund:

It predominantly invests in equity: The name of this tax saving mutual fund scheme is Equity Linked Savings Scheme. ‘Equity Linked’ means an investment scheme that is linked to the equity markets. Of its total assets, an ELSS fund may invest anywhere between 65 to 80 percent in stocks and other equity related instruments of publicly listed companies. This means that ELSS is a very high investment risk that also has the potential to generate better risk adjusted returns.

ELSS has the shortest lock-in period – ELSS is a tax saving scheme and comes under Section 80C of the Indian Income Tax Act, 1961. If you compare other tax saving instruments under Section 80C like Public Provident Fund or  Bank Fixed Deposit (FDs), ELSS has a short lock in period. Once you invest in ELSS, you cannot redeem your investments for at least 3 years from the date of investment. You cannot even partially withdraw your money that is invested in ELSS as it remains locked in for a minimum period of three years.

ELSS is ideal for long term wealth creation – Since ELSS is an equity oriented mutual fund scheme, investors generally invest in it for a longer duration. So, if you are investing in ELSS make sure that you have an investment horizon of at least five years or more. The longer you remain invested and continue to invest systematically the more chances you have of earning higher capital appreciation. Investors with financial goals that require long term wealth creation plan and know that they are going to have to invest in a tax saving scheme till they retire consider ELSS investments.

ELSS has SIP and lump sum investment options – Investors can either invest in an ELSS fund by making a one time lump sum investment or they can consider investing via SIP. A Systematic Investment Plan is the best way to create long term wealth with the ELSS fund as it allows the investor to save and invest a fixed sum at a periodic interval (typically every month) till the investor’s investment objective is accomplished. The ELSS investor can even use SIP calculator, a free tool that lets you calculate assumed future returns that your SIP investments can possibly fetch.

Like any other mutual fund investment scheme, ELSS does not guarantee returns. Talk to your financial advisor before investing.

read more


When it comes to investing in mutual funds, mere mutual fund comparison to choose the best mutual fund schemes for your investment portfolio might not be enough. There are certain things that you as an investor must be aware of. In this article, we will understand four such things that you as an investor must keep in mind before investing in different types of mutual fund investment plans.

Things to keep in mind while investing

Following are a few things that an investor must be aware about before investing in mutual funds:

  1. Asset allocation strategy
    The asset allocation strategy is determined by certain aspects of risk – how much risk an investor can afford to take? How much risk does an investor need? And lastly, how much risk is an investor willing to take? Once you are clear on these questions, it will be easier for you achieve the broad framework for asset allocation – i.e., where should an investor invest and in what proportions. Based on your investment horizon, you can break your investment portfolio into three or four components – short-term financial goals that need to be in investment options with low risk profile such as fixed-income instruments, medium-term financial goals that can be invested in securities with slightly higher risk profile such as mix of both equities and debt, and long-term financial goals that can be allotted to securities with high risk profile such as equities.
  2. Portfolio diversification
    Diversifying your investment portfolio is a way of allotting and investing your money across different types of securities, asset classes, and locations. This helps an investor to considerably reduce their risks without compromising too much on the returns. Hence, rather than putting all your eggs in one basket, diversify them across different types of investments.
  3. Maintain liquidity
    It is important to maintain enough liquidity that can easily protect an investor against loss of income or drop in income or any other type of emergencies. Hence, it is recommended that an investor has an emergency fund in place that can cater to any type of emergencies that might come their way during their investment journey. As a general rule, it is advised to invest at least three to six months of your living expenses in securities that offer high level of liquidity with decent rate of returns such as money market instruments or cash and cash equivalents.
  4. Reviewing financial portfolio
    It is extremely essential for an investor to conduct regular reviewing of their financial portfolio. This will help an investor to distinguish underperforming funds and reallocate their investment if the mutual fund scheme has been constantly underperforming as compared to their underlying benchmark indices and other peer funds belonging to the same category of the mutual fund scheme. Additionally, all long-term investments are likely to turn into mid-term investments and ultimately into short-term investments over time. And it is crucial to appropriately adjust your mutual fund investments when the financial goal is near completion.
read more
1 2 3 4 11
Page 2 of 11