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Happy Re public day Whatsapp DP with indian flag

Happy Re public day Whatsapp DP with indian flag


Republic Day is a day to remember when the Constitution of India officially came into force on January 26, 1950. This historical act formally transitioned India to become an independent republic and hence it is celebrated on January 26 every year.

It's noted that though India gained freedom from the British rule after a long struggle in the wee hours of August 15, 1947. Pandit Jawaharlal Nehru delivered his famous speech 'Tryst with Destiny', declaring India's independence to the citizens. But sadly this freedom did not come along with democracy and the right to choose your own Government. Since India didn't have an official Constitution then, our country was a constitutional monarchy under the rule of King George VI even after Independence. It was finally after two and half years later on January 26, 1950, when the Indian Constitution came into effect thus making India one of the biggest democracies in the world. It was on this day when India was declared as a sovereign, socialist, secular, democratic republic. And to honour this day, the Indian Republic Day is celebrated with great fervour throughout the country every year on January 26.





How do Mutual Funds work?

A mutual fund is formed when an asset management company (AMC) pools investments from various individual and institutional investors with common investment objectives. A fund manager professionally manages the pooled investment by strategically investing in capital assets to generate maximum returns for the investors. Fund managers are professionals in the field of finance with an excellent track record of managing investments and have an in-depth understanding of markets. The fund houses charge expense ratio, which is the annual maintenance fee to manage investments of individuals. The investors make money through regular dividends/interest and capital gains. They can either choose to reinvest the capital gains via a growth option or earn a steady income by way of a dividend option.





2. Why should you invest in Mutual Funds?

Convenience
Investing in mutual funds is a paperless and straightforward process. Investors can monitor the market and make investments as per their requirements. Moreover, switching between funds and portfolio rebalancing helps to keep returns in line with expectations.

Low initial investment
You can have a diversified mutual fund portfolio by investing as low as Rs 500 a month. You also have the option to invest either as a lump sum or a systematic investment plan (SIP). However, when compared to lump sum investments, a SIP is capable of lowering the overall cost of investment while unleashing the power of compounding.







Tax-saving
Section 80C provides tax deductions on specific financial instruments, and mutual fund is one of them. Equity Linked Savings Scheme (ELSS) has become a popular tax-saving option for Indians in the last few years, owing to its higher returns and the shortest lock-in period of three years among all Section 80C options.

Professional fund management
In mutual funds, your money is managed by a professional fund manager who is backed by a team of researchers. The fund manager formulates the investment strategy for your asset allocation. He/she will have real-time access to the financial environment and adjusts your mutual fund portfolio accordingly.




3. Things to consider as a first-time investor
Fix an investment goal
Defining your financial goals, budget, and tenure plays a significant role in your investments. Doing this will help you decide how much you can set aside towards investing and evaluating your risk profile. Investment always works best when done with a purpose.

Choose the right fund type
It takes more than reading about different mutual fund types to decide on the right category. Experts typically recommend a balanced or debt fund for first-time investors as it comes with minimal risks while providing higher returns.





Shortlist and choose one mutual fund
With a plethora of mutual fund schemes in each category, you need to analyse and compare them to pick the right one. Investors should not ignore factors such as the fund manager’s credentials, expense ratio, portfolio components, and assets under management.

Diversify your portfolio
Consider investing in more than one mutual fund. A portfolio of funds will help you diversify across instruments and investment styles. It will also even out risks – when one fund underperforms, the other makes up for the loss without bringing down the worth of your entire portfolio.








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