#5
Critical Things to check before Investing in
‘Mutual Funds’
1
Understand your profile
Risk Profile ď ś Check your Risk Attitude and Risk Capacity ď ś Know what is your objective in terms of Growth?
Investment Objective
Conservative
Protect investment from loss
Moderate
Capital growth along with capital appreciation
Moderately aggressive
Capital growth with calculated risk
Aggressive
High risk for super natural returns
2
Calculate your Goals
Steps to calculate amount Step 1-List down all the financial goals of life with expected dates Step 2-Put the amount of money required to meet those goals. Step 3-Defining how much money should one invest today to achieve those goals.
3
Choose the Category of Funds
Risk Profile There are different funds available for different investors.
Generally, there are different type of funds such as debt funds, equity funds, balanced funds etc.
Investment Style
Conservative
Mix of Debt Fund, Gilt fund, FMP
Moderate
Mix of Balanced fund & Debt Funds
Moderately aggressive
Mix of Diversified Equity Fund, Balanced fund, Mid cap fund
Aggressive
Mix of Diversified Equity Funds, Mid cap fund, Sector funds
Check Right Portfolio , as per your Risk profile
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4
Select the fund
Select Mutual Fund with : Low Expense Ratio: It is percentage of basic overall business expenses of mutual fund. Scheme with high expense ratio will eat into your returns Consistent Historical Performance: Historical performance aids in anticipating the future performance of the fund and hence is looked in during the selection process.
Decent Size of Mutual Fund Corpus: One way to judge a mutual fund is to know its corpus and compared with the competition .
5
Tax on Profits LONG TERM CAPITAL GAIN TAX
Individual/HUF
NRI
Equity Mutual Funds (Listed)(All Units Held Nil Nil for more than 12 months) Equity Mutual funds (unlisted, exit by way of redemption of units)(All Units Held for Nil Nil more than 12 months) Mutual funds other than equity funds 20% with indexation + 12% surcharge+ 3% 20% with indexation + 12% surcharge+ 3% (Listed)(All units held for more than 36 Cess = 23.0720% Cess = 23.0720% months) Mutual funds other than equity funds 20% with indexation + 12% surcharge+ 3% 10% without indexation + 12% surcharge+ (Unlisted)(All units held for more than 36 Cess = 23.0720% 3% Cess = 11.5360% months)
SHORT TERM CAPITAL GAIN TAX Equity Mutual funds(All Units Held for less 15% + 12% surcharge+ 3% cess = 17.3040% 15% + 12% surcharge+ 3% cess = 17.3040% than 12 months) Mutual funds other than equity funds(All units held for Less than 36 months)
As per Slab Rates + 12% surcharge+ 3% cess As per Slab Rates + 12% surcharge+ 3% cess
We Offer Advisory Fees Rs. 365 Per Annum
Customized advise only for you Regular Review and Rebalancing Unlimited Long Term Investment Advise Tax efficient portfolio design No Minimum investment Substantial Savings in Commission (Optional)
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What You get@ Rs 1 Wealth Creation Advice
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In case you want to invest Lump Sum
In case you want to invest On Monthly basis
In case you want to Make Tax Saving Investments
Portfolio Restructuring Advice
Goal Planning
Online Transaction
If you want to Restructure your portfolio
In case you want to Plan your Financial Goals
In case you want to Buy and Sell any product
Right Process 1
2
3
4
5
Right Portfolio
Buy/ Sell
Regular Monitoring
Risk Profiling
Financial Goals
Knowing-
Knowing-
Risk Capacity- How much Risk you can afford to take
All Financial Goals of the life
Investment Products right as per risk profile
With least Brokerage & Commission
Of Portfolio and Markets
The Inflation adjusted amount required to meet them
Portfolio efficient
With Nil hidden costs
Rebalance Investments when required
Risk Attitude- How much Risk you want to take
which
is
tax
Know Best 5 shares for your Risk Profile
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