Investment

SIPs allow investors to invest fixed amounts at regular intervals, like monthly or quarterly. This makes investing more affordable, and regular investments also allow rupee cost averaging and compounding benefits. When starting a new SIP, one of the most important factors to determine is the SIP amount you can invest per interval. This depends on your financial situation and investment goals.

Use an online SIP calculator to find your ideal SIP amount

Luckily, there are easy-to-use online SIP calculators available to help determine the ideal SIP amount for your investment goals. Here are some key benefits of using an online SIP calculator.

Factor in time horizon

An SIP calculator will allow you to enter your mutual fund investment time horizon, like 5 years, 10 years, 15 years, or until retirement. The longer the time frame, the smaller the required SIP amount.

Consider expected returns

The calculator incorporates expected long-term stock market returns in India, usually between 10-12% per annum. This allows an estimate of how your SIP will grow.

Account for inflation

Inflation reduces real returns, so a good calculator will factor this in and accordingly suggest higher SIP amounts for long-term goals.

Allow lump sum investments

Many investors may want to supplement SIP investments with lump sum amounts initially or at intervals. The calculator allows additional lump sum inputs.

Flexible goal amount

You should be able to enter any investment goal amount, like saving for a house, child’s education, retirement corpus, etc. The calculator provides the required SIP amount.

How the SIP calculator works

The SIP calculator takes your inputs on the investment horizon, expected returns, inflation rate, lump sums (if any), and target investment amount. It uses this data to calculate the monthly or quarterly SIP amount you need to invest to achieve your goal.

The logic is based on the mathematical principles of compounding and the time value of money. The longer the investment period, the more your money can grow through compounding returns. So for long-term goals, smaller SIP amounts are needed. For short term goals, larger SIP amounts are required as there is less time for compounding.

Many SIP calculators provide tables and charts to show you how your SIP will grow each year till maturity. You can tweak the inputs and see how it impacts your required SIP amount. This allows you to plan your investments more effectively.

Use the calculator to plan your finances

The SIP calculator is a useful tool for all kinds of investors to plan their medium to long term financial goals. Here are some examples:

Retirement planning – determine the monthly SIP needed to create your desired retirement corpus

Children’s education – plan SIPs to accumulate funds for school/college fees 

Buying property – Know the SIP amount required for your down payment amount

Wealth creation – Use the calculator to find out SIP amounts to reach your wealth goals 

Recurring expenses – Meet recurring financial needs through SIPs in debt funds

The online SIP calculator gives you control over your investment planning. By playing around with the variables, you can determine a viable monthly SIP amount that fits your budget and helps you achieve your financial goals systematically over time.

For beginners, when it comes to investing in mutual funds, commencing your investment journey may seem scary at first. You might discover various funds with a specific investment strategy and asset allocation. Trading in mutual fund shares differs from trading in stocks or an IPO or ETF shares. Management fees greatly influence returns on a mutual fund investment. Therefore, it is important to know what they are.

An investment business referred to as a mutual fund blends the money of many investors in a single pool. Along with stocks, bonds, real estate, and commodities, the fund’s team of professional managers invests the funds in various other assets, and a mutual fund investor buys shares of the fund after accessing the trading view chart.

The BSE India and the NSE India regulate the financial markets and every share in an asset class represents a stake partially in the fund’s assets. Due to their high transactional costs, mutual funds are suitable for long-term investors only. Investors might find mutual funds a tool worth investing in as they are well-diversified. A well-diversified portfolio decreases the investment risk.

Another benefit of a mutual fund investment is that it provides liquidity. Thus, mutual fund shares are systematic to trade and come in a range of options, including stock, bond, balanced, and index.

Factors to keep in mind before investing in mutual funds for beginners:

• Create a goal for your investment:

Financial aims, budget, and time duration have a major role. To know how much money you can invest, you should first determine how much risk you can take. Investing reaps the best results when done with a specified goal.

• Ensure to choose a type of mutual fund:

Selecting the right category needs more than just reading about several fund types. Due to its low risk and fixed returns, beginners are frequently advised to invest in a debt or balanced fund.

• Choose a mutual fund after shortlisting:

If you are looking for an investment option, you will first need to assess and evaluate many mutual fund options available in various categories in the market. Investors should also avoid overlooking aspects of the fund manager’s qualifications, expense ratio, portfolio elements, and assets under management or AUM while making important investment decisions.

• Invest in a broad range of assets:

You should diversify your investment portfolio by investing in multiple mutual funds. To diversify your investment portfolio in stock market, you should invest in various funds and stocks respectively. If one mutual fund underperforms, the other ones compensate for the loss, thus keeping the value of your portfolio stable.

• Opt for Net Banking:

Internet banking is needed for all mutual fund-related transactions. Investing in mutual funds can be made possible using checks and debit cards, but net banking is a relatively simpler and faster way.

Conclusion:

Investors are required to follow their due diligence before buying a mutual fund. Few factors of this are more convenient, but it is important to look at the bigger picture by considering all the crucial aspects regarding mutual funds; the reasons to invest in mutual funds are many, and just like the share market, a little research can go a long way in making a huge difference, thereby inculcating a sense of security.

Gold has always been an integral element of Indian culture and traditions. From weddings and festivals to religious and special occasions, gold symbolises prosperity and good fortune.

For generations, Indians have invested in physical gold as a way to secure their wealth and protect against inflation. However, with the digitisation of the investment industry, buying gold has also become digital. This means that you can now invest in Gold Exchange-Traded Funds (ETFs) without worrying about the safety and storage issues that come with owning physical gold.

What is a gold ETF?

Gold ETF is an exchange-traded fund that invests mainly in gold. Just like stocks, you can buy and sell these funds on the stock exchange. They are similar to open-ended mutual funds, but they are focused on gold and its fluctuating prices.

When you invest in a gold ETF, you are buying units that represent a certain amount of gold. One unit of a gold ETF is equal to one gram of gold. The advantages of investing in gold ETFs are the flexibility, liquidity, and diversification they offer. Since they are listed and traded on stock exchanges, these investments are regulated by strict guidelines and offer more protection than physical gold.

Steps to invest in gold ETFs

To invest in gold ETFs online, you need a demat account and a trading account. Provide the relevant documents and information as per the requirements. After that, you can buy/sell units online or monitor their performance. Here is how to do it.

• Compare gold ETFs: Research and select the gold ETF that matches your goals, risk profile, and return expectations. Check its expense ratio, liquidity, past performance, fund manager, and evaluate other parameters.

• Place your order through an online portal: Log in to your trading account on the broker’s website or app. Enter the gold ETF investment details, such as the number of units or the amount you want to invest. Review the order before placing it.

• Confirmation of purchase: Once your purchase order is matched with a corresponding sell order on the stock exchange, you will receive a confirmation of the transaction. This confirmation is usually sent to you via SMS or email.

• Transaction charges: Brokerages charge a nominal amount as transaction fees for buying and selling gold ETFs. Evaluate the charges associated with your trades beforehand and factor them into your investment decision.

Why should you buy a gold ETF?

• Liquidity: Gold ETFs make it easy for investors to buy and sell gold online with just a few clicks. This is more convenient than selling or buying physical gold bars or coins.

• Cost effective: Gold ETFs generally have lower expenses than most other types of mutual funds.

• Diversification: A gold ETF can provide diversification in the sense that gold tends to have a low correlation with most asset classes. For example, when the stock markets crash, gold usually holds its value which can help you balance out the losses. Investments in gold ETFs can also protect you against inflation and currency fluctuations.

• Transparency: Gold ETFs provide investors with transparency in terms of pricing and holdings. The price of a gold ETF is linked to the market price of physical gold, minimising the chances of manipulation.

To conclude

With low expenses, ease of trading and storage, transparency, safety, and a high level of liquidity, gold ETFs help you capitalise on the benefits of gold investment without the hassle of physical ownership. There are multiple online platforms where you can easily buy gold ETF with real-time updates. However, financial guidance is important to determine the right allocation as per market trends and to map out an investment strategy.

There are various types of mutual funds available with various risk levels. These include equity funds like large cap, multi-cap, balanced fund also known as hybrid funds, debt funds like liquid funds etc. Mutual fund types that may fall into the high-risk mutual fund category include small cap, mid cap, etc.

While these mutual funds carry risks, they come with high return potential. As a retail investor, it is crucial to know which top high-risk mutual funds may be your best bet per your investment profile to generate higher returns.

To choose an appropriate high-risk, high-return mutual fund, check its previous performance to ensure it is still performing according to your risk appetite and financial goal requirement.

Features of high-risk mutual funds

High-risk mutual funds are volatile but can deliver high returns. Thus, they are best suited for you if you are willing to take an increased risk. Opting for the best high-risk mutual funds may allow you to yield market and inflating beating returns.

If you have opted for the dividend option instead of growth, you may even get a higher dividend on your mutual fund units. You can use such high-risk mutual funds to gain the benefit of portfolio diversification. Several high-risk funds provide sectoral exposure permitting you to put your funds in sectors expecting higher growth over time. Via such funds, you can even invest in upcoming sectors or new markets like e-commerce or renewable energy.

Thus, high-risk funds allow you to invest in organizations and companies projecting high growth. However, it also means that as such corporations are less steady than big corporations and are vulnerable to market fluctuation, your final returns could be negatively impacted if the corporation performs poorly.

Therefore, you can invest in such funds if you hold a high-risk appetite. If you are risk-averse and remain concerned about protecting your initial investment, you must not invest in such high-risk mutual funds.

Taxation on high-risk funds

As high-risk funds invest in equities, capital gains are taxed according to capital gain tax rates. If the holdings in high-risk equity funds are sold within one year, a 15% STCG (short-term capital gain) tax is levied. If the investment tenure is over a year, the applied LTCG (long-term capital gain) tax rate is 10% on gains of more than Rs 1 lakh.

Who should invest in high-risk mutual funds?

High-risk mutual funds are best for you if you can face risk and have the goal of benefiting from higher growth potential. If you are a long-term investor with a slightly higher risk potential and previous experience in handling market volatility, you can also opt for high-risk funds.

High-risk mutual funds are a perfect choice if you can absorb the short-term volatility and patiently remain invested over a longer time horizon of five years and above.

Just like any investment option, high-risk funds come with a set of benefits and drawbacks. Such funds are prudent if you have market experience and want to stay invested in the market for long. Also, to select the best high-risk mutual fund per your preference, you must conduct in-depth market research.

Once you invest, you must periodically check the fund’s performance with its peer funds and benchmark indices. If your investment underperforms for three years, consider redeeming your investment to invest in better-performing, high-risk, high-return mutual funds.

When it comes to long-term investments, ULIPs are one of the best options available in the market. Unlike other investment options, ULIPs offer a wide range of benefits that can help you grow your money over a period of time. This blog post will discuss how staying invested in ULIP for 10 years can maximize your investment.

We will also explore the different features of ULIPs that make them so popular among investors. So, if you are looking for a long-term investment option, then read on!

An Overview of ULIP Investments

ULIP or Unit Linked Insurance Plan are a type of insurance product that offers the policyholder both life insurance and investment opportunities. The investment portion is usually invested in mutual funds, giving the policyholder the potential to grow their money while also being protected in case of death or other unforeseen circumstances.

The dual benefits of market-linked returns and life cover make ULIPs one of the most sought-after investment plans.

Wealth Expected to be Created Within 10 Years through ULIPs

If you are looking for a long-term investment option, then Unit Linked Insurance Plans (ULIPs) are one of the best choices available, with returns ranging from 10% to 12%. What’s more, if you stay invested in ULIP for 10 years, then you can maximize your investment and create wealth within that time frame.

The returns that ULIP provides are much better. Moreover, your long-term returns can be negatively impacted due to inflationary trends. ULIP can help you nullify this factor by allowing you to choose a policy with a lock-in period of ten years or more.

Reasons ULIP are Perfect for 10 years of Investment

Here are the major reasons why you must choose to invest in ULIP for 10 years:

1.     Tax Savings

A ULIP plan offers you dual benefits of life insurance and investment. Thus, allowing you to save taxes under different sections of the Income Tax Act.

Under Section 80C, you can claim a deduction of up to ₹150,000 for the premiums paid towards your ULIP policy.

2.     Flexibility

Unit Linked Insurance Plans offer great flexibility in terms of the amount you wish to invest, as well as the tenure of your investment. You can start investing with as little as ₹500 per month and stay invested for just five years.

3.     Fund Switching Option

You can switch your ULIP funds as per your risk appetite. As your investment period lengthens, you can afford to take on more risk because you have time to recover from market volatility. This is why it’s important to review your ULIP fund choices at least every few years and ensure they align with your current goals and risk tolerance.

The Bottom Line

Investing in ULIPs for the long term is crucial to maximize your investment and get the most out of your policy. By staying invested for at least ten years, you give your investment the time it needs to grow and compound, resulting in a much larger payout when needed.

A SIP calculator is a tool that helps calculate the expected returns and wealth gain for your monthly Systematic Investment Plan when it comes to mutual funds. It is also known as a mutual fund calculator. It is the best tool to use while investing in a mutual fund program. This helping solution offers precise results and helps in making the right choice among different schemes. Now that you know what a SIP calculator is let us discuss the benefits of this calculator.

Calculate the Right Investment Amount

Sometimes, it is hard to predict and compute the amount you should invest in SIP to meet your future financial needs. SIP return calculator can efficiently assist you in finding the amount you should regularly invest and receiving the desired returns later on.

Compute your Investment Value’s Worth

It is good to know the returns you will get from your investment in the future. You can now calculate this value in some simple steps. A mutual fund SIP calculator offers the advantages of computing the accurate return on investment. The tool helps you make the best investment in a mutual fund plan. If you have accurate values of your investments, it will be simple to plan your future accordingly.

Tips To Use n SIP Calculator In the Best Way

• Ensure to enter all the required information in the SIP calculator precisely. To get the best results, enter the correct value of the SIP amount, the return rate, and the SIP duration.

• The SIP amount not only refers to the amount one wants to invest for the future, but it also assists calculate your risk exposure, your income structure, risk amount, and more.

• The return rate of a SIP refers to whether an investor wishes to be balanced or aggressive in his/her investment.

• And the goal and tenure of a SIP are other vital factors. It shows the nature of one’s financial requirements and the expected time between investment and its requirement in the future.

• You can use n SIP in two ways using the basic information discussed above. The first one is the contribution calculator method. The second one is the corpus method.

• In the contribution method, a SIP calculator computes the investment amount required to get a particular corpus size at redemption time. So, the SIP calculator requires data input about any step-ups, the target amount, the investment tenure, the commencement date of investment, and the expected annual CAGR rate.
• In the SIP corpus method, you can compute the fund’s corpus that can be generated as per the SIP amount along with the tenure you want to invest. For this, the mutual fund calculator needs input about the investment tenure, any step-up, the monthly amount, the commencement date of investment, and the annual CAGR return.

If you want to invest in SIP, then use the SIP calculator. The various advantages it offers will offer you assured results according to your expectations.

The revised framework for investment firms requires the disclosure of key individuals involved in management, the financial structure, and the intended investment strategies of an investment firm. The Sarbanes-Oxley Act of 2002 added further reporting requirements. The Securities Act of 1933, known as the Truth in Securities law, also requires firms to provide all relevant information on their securities. By providing this information, consumers will be able to make informed decisions with their money. In addition, these changes apply to branches of investment firms based in the EU.

Regulations impact investment firms on many levels. Increasing complexity and public policy pressures have contributed to the increasing importance of regulation. The question of regulatory governance is complex because regulations are usually agreed in national settings and rarely move in lockstep. Additionally, the complexity of the industry and its global reach makes it difficult to anticipate the consequences of new measures. A good example of this is the increasing importance of regulations in emerging markets, where most investment firms have clients and operations.

Investment companies earn their profits by buying and selling assets. They may specialize in one industry or market, or they may invest in unlisted businesses at an early stage. The strategy and expertise of the investment firm’s management will determine whether or not the portfolio is a success. An investment firm may be publicly traded or privately owned, which limits participation to a small group of investors. However, it is important to find a firm that is both reputable and offers a variety of investment products.

The Investment Firm of the Future provides insight into the evolving landscape of investment firms. It also outlines key principles and actions that firms should consider to stay ahead of the competition. The Investment Firm of the Future provides an overview of how investment firms should evolve, including the role of technology in investing, as well as the future of alternative assets. While asset management firms have traditionally focused on investing, they are also increasingly engaged in alternative asset classes, alternative investments, and wealth management. Ultimately, investment firms must be adaptable to meet the changing demands of investors, and grow alongside the industry.

Among the most critical elements of a successful investment firm are culture and organizational agility. Culture is the prevailing norm for behavior, and its influence on the outcome of a decision can be positive or negative. The investment firm’s culture is an important part of its reputation. A firm’s culture can be strong or weak depending on how it treats its clients and how well it communicates its values. It can also deepen an investment firm’s differentiation.

While investment firms can be regulated like banks, they are not permitted to provide deposits or loans to their customers. As such, they are competing with credit institutions for investments. The European Banking Authority (EBA) report estimates that fewer than six thousand investment firms were initially authorised under MiFID. Of these, seventy percent are located in the United Kingdom, and a single country is responsible for almost seventy percent of the investment firm population.

A systematic investment plan i.e., (SIP) is an investment mode through which you can invest in mutual funds. As the term indicates, they are a systematic method of investing fixed amounts of money periodically. Investments can be made either monthly, quarterly or semi-annually etc.  When you invest steadily in this manner, it can become easier to meet your financial goals.

How do SIPs work?

When an investor invests through a SIP, they allocate a fixed sum of money in a given period. This amount helps the investors to purchase a certain number of fund units. If this continues for a long time, one gets to invest in the fund during the highs and lows, i.e., investors don’t need to time the market to make their investments. Market timing can be a risky proposition as one can invest at the wrong time. A SIP investment can remove this factor of unpredictability. After deciding on the investment tenure and frequency, investors can choose to automate their investments by giving standing instructions to their banks. While an investor will start small while making the first investment, it does not mean that the invested amount will remain the same until the time of redemption. Sometimes, an investor might opt to increase their contributions to the SIP as their financial state improves. If you are not sure by how much you should increase your investments, listed below are the ways by which you can determine how much you can increase your investments:

• Align the current affordability with your desired financial goals:

Consider this. You aim to accumulate ₹3 crore retirement corpus in the next 30 years. If you were to start investing immediately, you will need to set up a monthly SIP mutual fund investment of ₹13,271 to achieve this assuming that the interest rate is 10%. But you may fall short of affording this amount thanks to several shorter-term responsibilities like high monthly expenses, kids’ education, loan EMIs or SIP payments for shorter-term goals. That’s where the step-up feature comes in. By taking a 10% annual increase in your annual SIPs, you can achieve the target corpus of nearly ₹7,400. It is possible to use a simple reverse SIP calculator (with top-up) to work this out. All you will need to input is the required corpus amount, the number of years, annual top-up percentage and expected rate of return.

• Check your expected income increments and planned expenses:

Most investors can gauge their income increments to some extent. Especially if you are employed, an annual increment is almost a given. If you were to expect an annual increment of 8-10%, would you limit your SIP increments to make it easy for your personal expenses? Mostly not. Most of the times, a rise in income does not result in a commensurate hike in expenses. Most of the fixed expenses tend to remain broadly the same (subject to inflation of course). This means an investor is left with more surplus to divert to their investments and that means they can increase their SIP investments.

Top-ups in a systematic investment plan are like a bonus for investments. Stepping up SIPs can help with things like covering inflation. Therefore, instead of fixing SIPs and forgetting about them, try topping them up each year to compound your investment. Please keep in mind that to reach your financial goals, the key is to be consistent with your SIPs. Even if an unplanned contingency prevents you from topping up in a certain year, you can always make up for that in subsequent years by re-working your calculations.

Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.

Cryptocurrency ATM machines are becoming more mainstream and are starting to pop up at more and more locations. One of the questions you may have about this is where to find bitcoin ATMs near me, but before you ponder this question, one of the first questions you should be asking is how exactly you cause a cryptocurrency ATM machine. While these machines are fairly similar to traditional ATMs, they are also slightly different. Here is the information you need to know about using this type of machine.

Setting Up a Mobile or Paper Wallet

Once you are standing in front of bitcoin ATMs near me, the very first thing that you will need to do is to create a mobile or paper wallet. This wallet is either on your phone or on a piece of paper. It includes your personal information, such as your name, your ID information, and any information about any Bitcoin or cryptocurrency you may already own. This wallet is where any cryptocurrency you buy is going to be placed and where any cryptocurrency you sell is going to be pulled from. It is important to know that the account does need to be created at an ATM machine and cannot be created ahead of time.

Processing a Transaction

After setting up a mobile or paper wallet, bitcoin ATMs near me will ask you to scan a QR code with your phone or input your paper information into the system. The system will then ask you if you are purchasing cryptocurrency or selling. If you are selling, the machine will ask you how much you are selling and dispense money to you. If you are buying, you will be asked to input money into the machine to cover the cost of the transaction. It is important to note that ATM machines take cash, not credit card or debit card, so come prepared.

Finishing Your Transaction

Once your transaction has been processed, you will receive a paper receipt jus like you would from a normal ATM machine. It is important that you hold on to this receipt in case there is a discrepancy with your account. Being able to show that you bought cryptocurrency that never showed up in your account can be invaluable. It is recommended that you hold on to the receipts until the transaction posts in your mobile wallet.

Now that you know how to use a cryptocurrency ATM machine, you can now figure out where bitcoin ATMs near me exist. One of the easiest ways to determine where a cryptocurrency ATM machine is located is to click on the above link and input your information. This will help you see whether any cryptocurrency ATM machines exist near you or whether any are coming soon. It is important to note that ATMs are still relatively new, and are still being placed. As such, continue checking the link if there is not an ATM located close to your current location.

Investing in property can be a tricky time, as there’s lots to understand. Here at We Buy Any House we have compiled a small guide on how to invest in property.

One of the items to consider when purchasing a property as a charity is not for profit public liability insurance.

Why do People Invest in Property?

The concept of investing in property has become increasingly popular over the last decade or so, with people looking at investing in property as a way to fund their lifestyle instead of choosing a typical ‘9-5’ job. Here are some of the main reasons people choose to invest in property:

• To use as rental income. This is especially useful for those who are self-employed, retired or those who have a predictable income which they aren’t satisfied with. Having a rental income gives them more freedom to be financially independent.
• If they are trying to build a diverse portfolio for their business, then investing in property is a great way to achieve this.
• They may invest in property to improve their capital growth, as property prices often rise which can be beneficial for investors.
• The property market is extremely tangible, so therefore it’s easy to understand how it works and where you can gain or potentially lose leads.

How to Begin:

Think About Renting a Room Out:

To get a small taste for property investment, a great place to start is by renting out a room in your home. By making part of your home to work like an Airbnb, you can see the various things that go into being a property investor and manager.

Look at REIGs:

A great place to start is by investing in Real Estate Investment Groups (REIGs), which is ideal for those who want to own real estate in the rental market- and without the hassle of running your own real estate company. Collectively, a group of people manage the units of for example, an apartment complex- and in exchange for looking after the management of a building, the company will take a percentage of the monthly rent.

Flipping Investment Properties:

Another great place to begin your property investment journey is to begin by flipping houses. If you can find a cheap property that is in need of some TLC, you could begin doing a renovation on it, and redecorate the entire place and see how it sells on the property market. This would be a great way to see how you get on with a renovation strategy, coming up with an interior design idea and marketing the property.

Rent Out a Rented Property:

Renting out a property by yourself can seem ridiculously hard, therefore, renting out a property and delegating the other remaining bedrooms to others who want to live there is a great way to get your foot in the investor door. Firstly, it means that you are essentially occupying an investment property and will help you build up enough credit to qualify for a loan.

This article was written by a quick house sale company We Buy Any House. If you’re wondering “how can I sell my house fast?” or “how can I get someone to buy my house?”, head to the We Buy Any House website for more information relating to all property related enquiries