Different Faces

The most common investment term that we often listen is Mutual Fund. Into that too most of us have heard the term SIP, but we don’t know much about that. As a Mutual Fund Consultant/ Advisor, it is my duty to make everyone know and understand Mutual Fund in a right way. So, I am here. First and most important thing to understand is “what is mutual fund?”. In simple words Mutual Fund is the pool of investments. We all give the money to a fund manager who is professionally educated and efficient in this particular field of Investment. They work on to create money for you and themselves too. Yes, Mutual fund is volatile; but you can always decide which fund to choose as per your needs. There are some with negligible volatility and some are of very high volatility. Let’s talk on that later, before this we should know how secure is this? Mutual Fund is considered one of the safest place to invest your money, due to the simple reason that they must follow the guidelines of RBI an...

These days we get so many advertisements related to investments especially the Insurance, Mutual Funds and the Share Market. In that too there is more focus on do it yourself strategy. But is it appropriate for us to do it ourselves? Do we have enough knowledge about the product we are choosing? Do we have enough time to keep a tap on it? Do we know which investment options should be chosen for what and with what horizon? Do we understand if our Risk appetite and Risk in the investment option are in line with each other? Before looking for the answers let us first understand that what is the exact difference between the two Investment strategies that we are talking about i.e. Direct and Regular Investment. Direct Investment is the investment that we would do without consulting the financial advisor. This investment strategy is usually based on online studies, word of mouth, to save the commission paid to the advisor, and more. Regular Investment is the investment that we are doi...