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Best type of mutual fund to invest in for a beginnerIn layman’s term, Mutual Funds investment is an instrument that is funded by a stakeholder and trades in a diversified The post Best type of mutual fund to invest in for a beginner appeared first on blog-guru.
In layman’s term, Mutual Funds investment is an instrument that is funded by a stakeholder and trades in a diversified portfolio. These are usually professionally managed and are considered as a safe investment option. In case you are a new investor or have limited funds at your disposal, you must definitely look at Mutual Funds investment as your potential choice. A well-crafted online mutual fund investment, for instance, at IndiaBulls, allows diversification; saves time; and if managed properly, can beat the market as well.
What are the various types of mutual funds?
There is more to just having a diversified portfolio alongside aiming to earn good mutual fund returns. Before you park your funds, you need to know and understand the different kinds of Mutual Fund Schemes available. Let us look at some of the types of mutual funds, as enlisted below.
Short Term Investment: Debt Funds
In case you are looking for a fund that can be converted into cash instantly, Liquid Funds are for you. ‘Instantly’ here means within one or two days. These funds can be associated with low risk and come with interest rates that are higher than those offered by savings accounts. If you are looking for mutual funds investment that is a safe bet for a period of 3-6 months, then Ultra Short Term Funds is the best option for you. This fund, too, can be associated with low risks.
Medium Term Investment: Balanced Funds
These types of mutual funds are also known as Hybrid Funds. In case you are interested in equities, this is one of the best mutual funds to invest in. The company invests your funds in both, debt and equity. However, you must know that the time duration to be looked at in this case is 2-3 years.
Long Term Investment
a) Multi-cap Funds
For beginners, Multi-cap Funds are convenient. They are suitable for periods over 4 years and are extremely flexible. The risk here can be spread over and managed easily by the funds manager. However, these mutual funds plans are slightly more risky when compared to Large Cap Funds.
b) Equity Funds
Here, maximum investable funds are invested in the stock market. The risk associated with these funds is high as they are affected by the ups and downs of the market. Therefore, people who are in a position to take risks in online investment must go for Equity Funds.
While considering an online investment on mutual funds, you can also opt for Target Date Mutual Funds. This mutual fund scheme is a mix of stocks, bonds and cash. They are suitable as a long term investment option. The manager can reduce the risk of investment by shifting assets from stocks to cash or bonds, as the target date arrives.
What factors should a new-bee take into consideration while choosing to buy mutual funds?
It is important to understand the differences because there is no one fund, that is solely made just for you. It is dependent on what you as a potential investor is looking for. Blindly investing in the Market’s top funds is not a good choice at all. That is not how you should make a mutual fund investment decision. Make sure that you are clear when it comes to why you are investing, for how long do you wish to invest and how open are you to taking risks. You must also take note of all the advantages of investing in mutual funds.
These are some important elements to be considered before you settle for an online mutual fund investment.
Fees and charges can make or break your mutual fund investment plan. When investing in a Mutual Fund, do look at charges like expense ratio and exit load (if any).
Understand what is the purpose behind your investment. Do you simply want to double your investment or do you want to generate a consistent flow of income? There are different funds that serve different purposes so be sure to clearly state yours.
How long do you want to invest for? This is an extremely crucial question. People usually go for long term investment when they choose from amongst the best mutual funds to invest. But again, it will not be right to generalize, as there are funds that are liquid and can be converted back in two to three days. Be sure about what your time horizon is.
With Mutual Funds, it will be right to look at the past performance. Do not go for Mutual Funds plans that underperform. This will help you understand how the fund reacts in both, bullish and bearish market scenarios and how vulnerable it is to market fluctuations.
It is not only important to hand over your funds to the Fund Manager but it is also very important to have a relationship with him or her. Since they will be parking your cash, it is important to understand where they stand and what their motives are. Understand how have they been performing and then make an informed decision.
Be practical and rational. Understand what your income is and choose a mutual fund scheme that is in line with your cash flows. It is best to be realistic and gradually increase your investment than to be irrational and stop investing all together.
Hence, even though Mutual Fund is seen as a safe investment instrument, it can prove to be counter productive if the fund is chosen without considering these factors. Be prudent and informed. Make sure you know what you want. Once you are certain that you have answered and considered all the factors mentioned above, go ahead and choose your Fund. Confused about how to buy mutual funds online?
MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.
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Tax Saving Tips and Calculating Tax with Online Third-party Income Tax Calculator
Having an understanding of the tax slabs in light of the new budget is important for Income Tax filing in The post Tax Saving Tips and Calculating Tax with Online Third-party Income Tax Calculator appeared first on blog-guru.
Having an understanding of the tax slabs in light of the new budget is important for Income Tax filing in the later part of the year. Once equipped with the understanding, one can easily calculate the amount payable with the help of any third-party Income Tax Calculator that is available online.
Ideas that Help Save Tax:
In the progressive taxing system of India, saving on Income Taxes is usually of interest to the individual. Once the Income Tax Calculator, calculates and lets you know the amount you have to pay, you can invest your money in the market and buy insurances to save on the payment of taxes. More tips on saving on taxes are listed below:
- Insurances:
Health and Life insurances are of prime importance in the face of growing health bills and these insurances even let you save on taxes. You have to pay premiums monthly to get reimbursed for your medicals bills under health insurances and in life insurances, you get life coverage and a large amount of money is paid to the nominee upon the death of the insured person, in return of paying premiums. There are scopes of saving 15000 to 20000 rupees and more on taxes through insurance.
- Investments:
Mutual funds with huge returns, tax saving fixed deposits with attractive interest rates and benefit on tax savings, post office time deposit with tax benefits, national saving certificates with tax exemptions available on them are the ideal offers that boost the economy while guaranteeing advantageous returns for the masses.
- Provident Funds:
The goal for provident funds are mainly based on long term investment planning, for this reason, the pension fund falls under tax deduction and benefits from it.
- Loans:
Home loans for construction or buying a house or even for reconstruction and renovation purposes, are eligible for yielding tax benefits.
- Others:
Based on advantageous tax returns policies, equity linked saving schemes that offer returns in either dividends or growth options, long term capital gains from the sale of long term assets are non-taxed, revenue generated from agricultural activities is not taxed, investment returns to PPF accounts are actually tax free, Interest for education loans are tax free, scholarships awarded, voluntary donations made are exempted from tax and the interest income from the saving accounts are not taxed.
Investments made to boost the economy further are exempted from the taxing system to quicken the pace of growth of the country. For this purpose, there are various ways available to get maximum returns from Income Tax. With that being said, the safety and security provided by the tax saving instruments that are available in the market are advised to be taken into careful consideration before making any kinds of payments.
For basic information on how to file taxes online and for guidelines to follow to not suffer in the hustle of year-end tax filing for businesses and start-ups click here.
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How long does it take to get a personal loan from bank
It must be understood that personal loans are usually taken when there is an urgent expenditure to meet or you The post How long does it take to get a personal loan from bank appeared first on blog-guru.
It must be understood that personal loans are usually taken when there is an urgent expenditure to meet or you do not have in your possession, any tangible asset that can become your security for a loan. In most cases the money will be needed on a urgent basis and therefore, time plays an important role in case of a personal loan. In case you are looking to apply for a personal loan from a bank, you must be aware that the duration which you need to get the loan processed is subject to a number of factors. From time to time, the bank will also consider if you have a long standing association with the bank before approving the loan. These are some of the reasons why it is sometimes a bad idea to try and meet and urgent demand for cash with a loan from the bank.
Some procedures involved in getting a personal loan
Whether you have decided to apply for a personal loan online or offline, an option now open among all banks and non-banking finance institutions, there are certain procedures that remain constant when you are applying for a personal loan. Listed below are processes involved in applying for one:
You will have to fill in an online application form available on the bank’s website or in person and submit it to the lender in case of an offline process.
You will then be required to upload your documents in case of online procedure and submit it to the bank if it is an offline process.
Some of the documents you will need to have ready are income proof, identity proof and address proof.
You will be required to wait until the time your application is processed by the bank, after which an approval will be impending, taking a few days’ time.
After having received the approval the money will be credited in your bank account.
How long does it take?
In most cases banks cannot be trusted to meet an emergency financial situation because of the tediousness of process involved in getting a loan. In a lot of cases borrowers have had to wait for an entire month to get their loan approved and the money credited to their bank. Furthermore, your work will also be subject to a halt when there are bank holidays going on making it even more difficult to meet with the financial emergency that you may be staring at.
What’s a better option?
In case you are in need of the money instantly, a factor wherein you can just not trust the bank, it will do you good to consider going for an instant personal loan online with a finance institution of your choice. This will be a particularly good idea to avoid going through the tedious and lengthy process of approval involved in a bank. You will also have certain other advantages of this method such as online disbursement solutions which are suited to fit your varying financial needs. Additionally, you can also calculate the details of the loan such as the personal loan interest rate or the monthly EMI that you will be incurring using the personal loan emi calculatorthat is provided for the convenience of online users on their website. It must, however, be kept in mind that the results you receive from there are approximations and in keeping with the information or data that you have entered. All these can be availed through the comfort of your home and under expert financial guidance.
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Myths of Jewellery
Jewelry because of its value in terms of money, emotions, and scarcity, there are many myths attached to them. These The post Myths of Jewellery appeared first on blog-guru.
Jewelry because of its value in terms of money, emotions, and scarcity, there are many myths attached to them. These myths if we carefully notice we can see they started out of fear to protect the one we value. Some times its easy to bring order through fear than a clear explanation. That’s how a human brain work, our care for the valued once is mostly out of the fear of accidentally losing it, and this gives the space for lots of myths to make their way as solid beliefs. The way when these myths stared and the way we live in the present work are two different extremes. So before believing any form of precautions or safekeeping from aunties or elders in the house (don’t strike them off) before you practice think and weight the possibility of truth in the suggestion.
I can break
The most common and popular myth I heard around was diamond cannot break, it’s completely baseless, it’s not that they cannot break it’s just they are had to break; they can also crack or break from a direct hit or extreme temperatures. Due to their hard composition, diamonds do last long and hard to scratch.
No biting
I have seen people, biting on gold to see whether its gold or not some experts can even determine the quality of the gold by the bite marks. First of all, that’s totally gross, and if one can determine gold by just biting we wouldn’t need so many certifications to determine its quality.
Size Matters?
Well in case of diamonds some time it matters but not always. The bigger the stone, it will weigh more and costs high, but this doesn’t define the price alone. The 4cs of gemstones, clarity, cut, color and carat, these affect the value of the stone. You can find some really big diamonds at a lesser price, that’s because the color and cut are not that great. So, it’s always better to follow the 4cs before purchasing
It’s not just one
Gold comes in different color like white gold, rose gold, green gold etc. but the actual color of gold is the typical yellow that the alloy represents. The rest variations are the outcome of different material mixed to make the gold stronger and to produce different effects. The pure 24k gold is a bright yellow and a softer alloy which can break easily, so its mixed with different alloys to get the desired effect. For example, the simple daily wear earrings gold, gold chain with locket designs etc are mixed to make them wearable and strong; except for the 24k pure gold bars.
Pearls
The other common jewelry myth that we get to here is, pearls easy dissolve in vinegar, yes they do dissolve in vinegary but not like sugar in water, eventually after some time/days. And another interesting thing about Perl is they change color if touched water excessively, pearls actually come from water.
How we see the knowledge we have and how we use it completely depends on use, either we can foolishly continue what we think is right or can take a moment to analyze, follow if correct or correct if followed wrong.
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From Bobby To Rajma Chawal, Rishi Kapoor continues to redefine his image with age
Bollywood is a huge industry and actors come and go all the time. While most of them have proved themselves The post From Bobby To Rajma Chawal, Rishi Kapoor continues to redefine his image with age appeared first on blog-guru.
Bollywood is a huge industry and actors come and go all the time. While most of them have proved themselves over the year, there are very few that have cemented themselves in the hall of fame. And of all the actors in that list, there are few actors who have still been acting and making their presence felt with each movie. One such actor who has been experimenting with his roles is none other than the veteran actor ‘Rishi Kapoor’. In 2018 alone, the 66-year-old actor did 3 movies, 102 Not Out, Mulk, Rajma Chawal, all of which won him immense acclaim from both critics and the general audience.
Rishi Kapoor started his career with a charismatic, chocolate boy charm in the 1973 movie Bobby. It might not be his first appearance in the big screen, but this was his debut as a lead actor. Breaking box office records, the movie proved to be a massive success. With his charming smile and handsome personality, he became the heart-throb of Bollywood in no time. With the passing years, he starred in many hit romance films such as Rafoo Chakkar, Sargam, Karz, Prem Rog, Heena and Bol Radha Bol.
With the arrival of the 2000s, we saw a new Rishi Kapoor where he switched to strong supporting roles in films such as Hum Tum and Fanaa. But then, he surprised the audience with a fantastic villainous performance in Agneepath. Mencising and ruthless, Rauf Lala won him immense critical acclaim and possibly kickstarted his new innings of playing diverse characters with new-age directors.
The critical acclaim continued with movies like Do Dooni Chaar, Chashme Buddoor, D-Day and Kapoor & Sons, as he continued to explore interesting characters and stories. Then came, the two movies that we believe are undoubtedly his best in the recent past, 102 Not Out and Mulk. Dabbling with two different genres, his performance in both the movies made people go wow. (Our personal favourite among the two is Mulk. Available on ZEE5, we highly recommend you watch Mulk movie online to see Rishi Kapoor give one of his career-best performances.)
As the acclaimed comedian George Carlin, once said ‘You should get better at what you do or stop doing it’. Rishi Kapoor is just the very example of this, and no can deny that. He is one actor who can pull off any role put in front of him and has stood the test of time. Over the years, he has slayed many unconventional roles, roles you wouldn’t see others play otherwise and we hope to see a lot of them in future. We just can’t get enough of them!
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What causes over heating of car
Car overheating can be a severe problem! Imagine you are driving to catch an urgent meeting and suddenly notice steam The post What causes over heating of car appeared first on blog-guru.
Car overheating can be a severe problem! Imagine you are driving to catch an urgent meeting and suddenly notice steam oozing out of your car’s engine. In case, you notice something like this, and you should immediately pull over somewhere. You should not continue driving when you see the temperature gauge moving towards the hot side. Driving your car with an overheating engine can cause severe damage to your vehicle and fixing the problem can be quite expensive. It might damage various parts of your car. There are multiple causes of engine overheating- here are some of the leading causes of engine overheating and some quick fixes for solving them.
Causes of engine overheating:
Leak in the Cooling System
A hole in the cooling system causes the air to enter the system, hence causing engine overheating. The coolant leaks through the puncture and creates room for air to get sucked in. The air entered in the system takes the shape of a big bubble and occupies the top part. The bubble is called airlock, and it stops the coolant to reach the engine, causing the overheating.
Condensed Coolant
This problem takes place in the winter season, especially where the temperature drops below the freezing point. If you don’t use a high-quality coolant, then it can get concentrated, thereby creating a blockage. Such a situation results in engine overheating and damages the radiator.
Blockage to Coolant Circulation
If the antifreeze mixture isn’t flowing correctly, then the engine starts overheating. It creates the same symptoms of the gelled coolant. An antifreeze mixture keeps your car’s motor cool during the summer time and prevents it from freezing in the cold days. Sometimes, a foreign object, faulty thermostat or mineral deposit can block the liquid from circulating through the radiator to disperse heat.
Low Level of Oil
Engine oil prevents the build-up of excessive heat in the engine, thereby helping the cooling process. It removes about 75% to 80% of the unused heat in the engine. Also, engine oil keeps the parts of the cars properly lubricated, thereby reducing friction and the subsequent overheating.
Broken-Down Water Pump
One of the most common reasons for engine overheating is a broken water pump. The water pump is a part that dynamically takes part in upholding coolant circulation. In case of breakage or wear out over time, the leakage can damage the impeller.
What to do if your car’s engine overheats-
If your engine is overheating, take the following steps to cool it down:
Turn on the heater as it blows out excess heat from the engine into the car. However, this step is not ideal on a summer day as it won’t help the engine cool down.
Turn off the AC immediately as running it can put a heavy load on your engine.
This increased circulation cools down the engine.
Park your car, put it on neutral, and then rev the engine. This step will make the fan and water pump work faster, thereby pulling more air and water through the car’s radiator. This increases the circulation, thus cooling down the engine.
Opening the hood releases the heat and lets the air flow through the hot engine.
Final tip, never-ever attempt to remove the radiator cap when the engine is hot. It can cause severe burns all over your body.
Last but not least; cover your car with a comprehensive car insurance policy as it will help you deal with such unfortunate incidences. A car insurance policy offers Roadside Assistance and bears your repair cost, which can be pretty high in case of engine overheating.
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