Mutual Funds – An Ideal Investment Option for First-Time Investors

There are many options when it comes to investing money - stocks, shares, bonds, money market securities and more. The investment vehicle that you choose depends totally on the kind of risk you are ready to take and the returns that you are expecting.

If you have no idea about how each one of these investment vehicles work, the safest option would be to go for mutual funds.

Many banks and financial institutions offer mutual funds as an investment opportunity for their clients. A Mutual fund is managed by a professional fund manager who invests the money received from investors into diversified securities, selected intelligently and with great expertise.



When compared to the other kinds of investment opportunities, mutual funds offer maximum benefits to the investors. Some of these include:

Inflation-adjusted returns

Mutual fund offers inflation-adjusted returns, without you having to spend any time or efforts on the same. Investing in mutual funds is a much better option when compared to letting your money grow in your bank. This is how it is so:

Let us say you have deposited Rs.1000 in your bank today as savings, which should be good enough to buy 10 pairs of bathroom slippers. At 5% annual interest you should have Rs.1050 in hand by next year this time.

Now consider a situation where there is 10% inflation that year…

Those bathroom slippers now cost Rs.110 instead of Rs.100 each. So, now with Rs.1050, you will only be able to buy 9 pairs of bathroom slippers instead of 10.

In case of a Mutual Fund Investment you don’t have to worry about such a situation. By offering inflation-adjusted returns, the fund managers make sure your hard earned money will not depreciate in value in the coming years.

Expert Management of Funds

There can’t be a Warren Buffet in every investor, which is why there are mutual fund investments. Whenever a bank or a financial institution comes up with a mutual fund scheme, it ensures all the decisions it takes are based on performance and well-researched prospects that are available in the market. There is an experienced fund manager and a dedicated research team behind every mutual fund scheme.

Convenience 

If you cannot invest time or efforts in doing research to find out which securities are doing well, when is the right time to buy a particular security or sell and so on, you can conveniently invest in mutual funds. An Investment in mutual funds can be started with just Rs.500. There are no worries about buying or selling them due to fluctuating market conditions. There is an option for everyone, whatever be their needs or goals. If you cannot invest in a lump sum, you can even consider a SIP mutual fund, where you can invest a specified amount of money at regular intervals.

Low-Risk / Higher Returns

Mutual funds distribute your investments across different kinds of assets. The loss in case of one stock will easily be made up by a profit in case of another, thereby reducing your risk. They are aimed at helping you achieve higher returns on your investment.

Increased Liquidity

In case of Mutual funds Investment you can get back your money promptly, whenever you wish. If you have invested in an open-ended mutual fund scheme the money you get back would be based on the current NAV or Net Asset Value. Close-ended schemes can be traded in stock exchange.
Make sure you read all the terms and conditions thoroughly before running that online search on “mutual funds India.” This will help you prepare well and achieve your objectives, without any worries.

Why Invest in Sundaram Mutual Funds Online?

Investing online in mutual funds has become a trend nowadays due to the ease and comfort that it provides. There are various fund houses including Sundaram Mutual Fund, which provide online services of buying an SIP or a lump sum investment. There are several benefits which can be availed by the investors by using such services and gain substantial income for their future.

It is known to everyone that the offline transactions involve long procedures which are annoying enough for the investors that they don’t even think of doing the same. But with the online platform, everyone can make an easy investment at their workplaces without moving out. Here are some of the reasons why investing online in mutual funds is beneficial for the investors:

• Feasibility: The first and foremost benefit of investing using the online channels is the convenience that it provides. One need not move out of one’s place and stand in long queues to complete the transactions. Rather one can do it at one’s place of comfort just by a few clicks. It is feasible in the sense that investors do not find it difficult to transact in multiple investments at a single point in time.
• Easy Process: The procedure of investment in mutual funds online is quite simple and does not require any extra qualification. One can simply log in to their accounts in the respective online platform and start investing in simple steps. Furthermore, the enrollment or registration process also does not involve any irrelevant requirements and is done very conveniently. 

• Cost Effective: Everyone has a computer and internet connection these days. And thus investment made using the e-channels does not cost anything extra. You just need to use your computer and internet to start transacting. Moreover, there is no extra cost involved for making several transactions and hence is very inexpensive as compared to other modes.
• Time Saver: It is quite difficult these days to bring out some extra time out of the busy schedule. Hence, we avoid many things which involve huge time consumption. But we need not avoid investing anymore because the online investment solutions provide the easy and quicker ways of investing in the mutual funds. It saves a lot of time which we can utilise in other productive activities.
• Non-Cash Transactions: It also facilitates payments using the online banking channels like net banking, credit and debit cards. One can invest anytime anywhere using the online payment gateway and put funds in their investment portfolio.

Accordingly, online investing in mutual funds can help one in making an easier investment in the most convenient manner. Sundaram Mutual Funds also provide the same facilities and many other solutions to the investors which help them in making a productive investment.

If you too desire to put your money in Sundaram MF, then you must get associated with us at MySIPonline where we have different online tools to help you in taking a wise investment decision.

3 Major Reasons for Investing in Small Caps

Buying stocks of smaller companies are more profitable sometimes than buying securities of some other alternatives. In fact, it has been believed and observed that small cap funds have provided greater returns many times in the history. And it is not a coincidence that small caps have outperformed large- and mid-cap funds, but it has been possible due to the efficiency that they possess. So let us count the various reasons for investing in the small-cap funds to earn tremendous wealth in the future.

Earning greater returns are the ultimate reason for investing. Everyone desires to fetch maximum income on their investments in order to develop a worthy future for themselves. But they often get confused between the various alternatives while making the choice of investing and thus take wrong decisions as well. So to make a productive investment, here are some of the reasons to opt for the small-cap mutual funds for the portfolio.

High Degree of Growth Potential:

It is well known by everyone that all the biggest entities of the world were initiated as small corporates only. They grew into large caps after a certain period of time with various efforts and different products. Hence, we must understand that a small company does not mean it is not worthy of making investments, rather one must take into consideration the projects in which they are indulged to grow well in the market. There are many corporate houses which have great potential of gaining a huge ground.

Maximum Returns Over Long Term:

The small companies do not rise in an instant but take time. This is the reason they offer best yields in the longer duration of time. Furthermore, they are thinly traded in the market and offer huge opportunities for the shrewd investors. Moreover, with the rise in the revenues of the company, people get more aware of its existence and growth prospects. And subsequently, demand for their stocks tend to increase providing greater benefits to the investors in the long run.

More Chances of Wider Diversification:

The well-established companies with large market capitalisation have already reached up to the level they desire. Hence, the chances of growth exposure are less under them. On the other hand, in the case of small-sized corporates, the chances for expansion are higher which assure wide diversification. Investors get the opportunity to fetch returns from divergent units and make their portfolio sound and more productive. Small cap funds investment assures greater exposure to higher income by reducing the risk appetite.

Beats Inflation:

Mutual fund investments are known for their proficiency of countering market volatility as well as inflation. The small-cap mutual funds also provide the same to the investors. The schemes are designed in a manner to provide maximum benefits to the investors by managing the various factors. Hence, it is worthwhile making an investment in these schemes to gain risk-adjusted returns in a proper manner.

While investing in mutual funds, it is crucial to make sure that schemes we have opted for have the capability of generating returns. The small caps are among the most effective strategies for mutual fund investments, but even there we need to assure that we have the right scheme of the best small-cap company.

MySIPonline.com provides varied solutions to the needs of divergent investors. If you wish to buy the small caps for our portfolio and need advice or any assistance, you can avail their services anytime.

Benefits of Investing in Reliance Mutual Fund

Being an investor, everyone desires to attain maximum returns on their investments, but none of us has the time to spend on studying market ups and downs to take an appropriate decision on time. Then we search for broker’s house or some other mediator who could help us in designing a better portfolio. But if we get associated with a brand itself, we need not take the advice of any retailer. Accordingly, one must get integrated with the best fund house only to get complete guidance and ensure the safety of funds.

Reliance Mutual Fund is among the top-performing AMCs in India which is catering to the needs of different investors across the country. Many investors prefer it due to the features and solutions that it offers in order to accomplish the investment goals. If you are looking to make a worthwhile investment and design a productive portfolio, then you must opt for the Reliance Mutual Funds. Here are some of the prime benefits that are offered by the same:

• Professional Management: It is essential to manage the money in a well-organised manner to ensure yielding of desired returns. Reliance MF has an expert team of fund managers who are highly experienced in their domain. They assure effectual handling of the hard-earned money of the investors and hence provide greater benefits.
• Diversification: Diversifying the funds is a necessity in the case of mutual fund investments. It helps in minimising the risk exposure and increases the chances of earning high worth. Reliance MF has well diversified the funds of the investors in order to reduce the risk and provide higher profits.
• Wide Range of Schemes: In order to accomplish the varied needs of investors, there are various schemes which are formulated by Reliance Mutual Fund. An investor can opt for the one that suits his/her requirements and start investing to gain substantial profit in the future.
• Cost Effectiveness: It is important to make sure that the expenses relevant to investing are considerably lower and does not cause a burden on the investor. To provide the same Reliance MF has less cost of investment and provide minimum loads to the investors as per the situation.
• Tax Benefits: Section 80C of Income Tax Act provides tax exemption up to Rs.1.5 lac. Reliance AMC also has such strategies which offer this tax benefit to the investors and help them in saving on taxes.
• Liquidity: With open-ended schemes, one can easily redeem all or part of investment as and when required and receive the current value of the securities. This fund house provides various schemes which are highly liquid in nature and can be opted for making higher savings and earn greater returns.
• Transparency: Reliance Mutual Funds are transparent enough in disclosing every detailed information about the funds. One can easily review and keep a regular check on one’s investment in order to ensure security and safety of the capital.
• Regulations: It is known to everyone that all mutual fund houses are required to get registered with SEBI (Securities Exchange Board of India). They are obliged to adhere to the strict rules and regulations designed by SEBI for protecting the investors. Reliance Mutual Fund also adheres to the same and hence provides adequate regulation to the funds.

Accordingly, if you buy the schemes of Reliance Mutual Funds online or offline, you would be benefited with a large number of factors and will be able to build a fortunate life for your future. You must buy its schemes using the varied solutions provided by MySIPonline.com and achieve your financial goals with ease.

Four Benefits of Investing with Franklin Templeton Mutual Fund

Whenever one thinks of making an investment in the mutual funds, one needs to know the advantages of the same. The most important decision at the time of investing is choosing the right fund house, because the manager of the funds needs to be smart enough to handle the capital in the most effective manner. Thus, one must opt for the best AMC to make a productive investment for a promising future.

Franklin Templeton Mutual Fund is among the best-performing fund houses in India, which has been offering remarkable investment strategies as per the varied requirements of the investors. There are several benefits that an investor can attain by putting his/her hard-earned money into the schemes designed by Franklin Templeton Mutual Funds. Some of them are:

1. High Profits with Minimised Risk: The most important criterion for choosing an investment scheme is how much profit we shall earn. The schemes of Franklin MF are designed in a well-diversified manner in order to minimise the exposure towards risk. Furthermore, the portfolios include the holdings which are among the top entities of the country and thus ensures yielding of higher profits. The investors can earn the expected growth by putting their money into its schemes.

2. Expertise and Proficiency: The fund managers of Franklin Templeton MF are having vast experience in the field of fund management and mutual fund planning. They make sure that the schemes designed entail the aspiring return and for that, they keep reviewing their strategies to make them more proficient for yielding better returns.

3. Effective Management: Franklin Templeton Mutual Funds have been incorporated under the Indian statute and is a registered entity with SEBI. Henceforth, the investors need not worry about the management of their capital, as Franklin MF complies with the norms of AMFI and SEBI and ensures effective utilisation of the funds to offer the aspired returns.

4. Systematic Investment Plan: In order to make the investment easier and convenient, Franklin Templeton MF offers the SIP plans as well. With this, investors get the option of investing via monthly instalments without bearing the burden of paying a corpus at once. This strategy builds a regular investor in oneself and helps one attain the investment goals with ease.

Accordingly, one can achieve one’s set financial targets by making a right choice of investing in the scheme of Franklin Templeton Mutual Fund. It also provides an option for making an investment by opting for any of the online platforms.

My SIP Online can help you in the best manner in this regard. It has different online solutions which include SIP Calculator as well. Investors can use the same and take an informed decision to achieve success in investment. You must get associated with us at My SIP Online to avail the best experience of investing online in Franklin Templeton Mutual Fund.

Securitize Your Investment with Debt Mutual Funds

The prime reason for the investors regarding non investment is rigidity. Not everyone desires for fixing the money at one place and hence, do not wish for investing the same. But, have you ever tried sorting out this concern? Have you ever looked out for its solution? If not, then you surely are lagging behind in availing several benefits. Yes, the debt mutual funds provide an extreme advantage to the investors who are seeking investments in the non-rigid structure to earn better returns along with securitizing their funds.

So, let us first understand, what securitization is all about. Generally speaking, it is a process by which the assets are converted into money market instruments so as to assure easy cash convertibility as per the convenience of the owner. In the context of long-term debt funds, the assets, i.e., the capital of investors is put into such debt instruments which are open-ended by nature and offer liquidity to the investors.

Accordingly, by putting the money in the mutual fund debt schemes, the investors need not wait for the maturity of the plans and can redeem their cash as and when required with some extra earnings. Many of us believe in putting the money in the fixed deposit schemes or savings account of banks, but when you have the option for earning sound returns, then why not take the benefit of the same.

Uncertainty is the part of everyone’s life, and at that time, money plays a crucial role. We feel secure and sound to face that period. By investing the hard-earned money in the mutual funds’ debt schemes, you can make a foolproof strategy to face every tough situation in life. By providing flexibility and liquidity, it aims to fulfil the instant cash requirements of the investors.

Furthermore, there are multiple factors which make long-term debt funds more reliable for the investors. They include:

1. Tax exemptions in the case of investment held for more than three years.
2. There is no tax deduction at source, and hence the investors fetch the complete amount of returns earned on their investments.
3. The returns are completely linked to market and thus offer substantial returns at the time of market hikes.
4. One has the option of investing in the schemes of debt funds via SIP investment plans as well.
5. The cost associated with an investment in the debt mutual funds are comparatively lower and does not put the burden on the investor.

So, if you feel you too need securitization of your money, then you must choose debt mutual funds for your portfolio. We, at My SIP Online, have various solutions to cater all your investment-related needs, so as to assure financial stability in your life.

Earn High Yields by Investing in Religare Mutual Fund

Generating high return is one of the primary reasons of making an investment. Everyone wants to make manifold benefits from their money. And this is the reason, they think of investing the same. Mutual fund programmes have always been beneficial in creating wealth for its investors and have helped them in making a fortune. So, if you too are searching for a source to earn high profits, then you must opt for the Religare Mutual Fund.

It is quite important to get associated with a renowned brand for making an investment, as there is involvement of the money matters. Money does not grow on trees and hence we need to manage it efficiently so that we could fulfil all our desires. In the case of mutual fund investments, the fund managers of the AMCs hold our capital to put it into different projects. Therefore, it is crucial to opt for such a fund house which act effectively in managing our hard-earned money.

Invesco Mutual Fund India is among the top-performing fund houses in India, which is providing result-oriented programmes to its clients. Since its inception in 2005, it has aimed at designing mutual fund plans in order to cater the divergent needs of a large section of investors. There are several investment schemes which are designed keeping in mind the needs of investors. In order to fulfil all the desires and different investment goals, the schemes are categorised as under:

1. Equity Plans: Many investors have certain long-term investment goals and to fulfil the same Religare Invesco MF has formulated various schemes that invest the fund in equity and related instruments. They are comparatively risky but provide higher returns.
2. Fixed Income Plans: Various investors seek short-term investments and want to earn income on the recurrent basis. To fulfil the same desire of many investors, Religare Invesco MF has formulated such schemes that aim at offering regular and stable income.
3. Fund of Funds: Apart from making investments in securities and debt instruments, there are certain plans that invest the capital in other mutual fund programme. They provide wide diversification with minimised risk and higher returns.
4. Exchange Traded Fund: Some of the schemes of Invesco MF are also traded on the stock exchange. They are directly proportionate to the market fluctuations and fetch returns as per the performance of the index. 
5. Hybrid: Some of the investors also desire to make accumulated wealth along with regular income. To cater these needs of clients, various schemes are planned which make investments in the debts and equities simultaneously. They offer dual benefits of regular income and capital appreciation.

Apart from the above-mentioned strategies, the Religare MF also offers Rajiv Gandhi Equity Saving Scheme to the investors. This scheme aims to enhance the flow of saving in the domestic market to promote economic growth. Accordingly, the Religare Invesco Mutual Fund has every possible solution for each class of investor as well as for developing the nation.

If you want to make money from your investments, then you can buy Religare Mutual Fund online by availing the services of My SIP Online. It would assist you in taking a better decision for your future.

Manage Your Portfolio with Balanced Funds

Mutual fund investment has become a preferable choice for every investor in the market these days. Due to its nature of providing diversification to the invested amount, it aims to minimise the associated risks and provides highest returns. But, one cannot be perfect in all aspects and thus by introducing the balanced funds, the mutual fund has tried sorting out the issues regarding market volatility. Although the investments made in the mutual fund schemes are prone to market volatility which causes market-based fluctuations on the investment value but, balanced funds help in minimising the same.

As we all know that, putting funds into different schemes helps in minimising the risk. Similarly, the balanced funds by putting monies into equities and debt instruments on a proportionate basis, provide wide diversification to the funds. Furthermore, they offer dual benefits of regular and stable income with capital appreciation and long-term growth of the investments.

The best balanced funds help in countering the market volatility in an efficient manner and thus assure high-yielding returns. There is a saying that goes, “Balancing your money is the key to having enough.” So, it is crucial to maintaining the money in a balanced way so as to achieve all that we desire and the investment in the balanced funds can help you in attaining the same.

There lies major benefits that are offered by investments made in a balanced fund. Hereunder are mentioned some of the important features of the same:

• Countering volatility by diversifying the money into various schemes of varied categories.
• Maintaining the portfolio in a balanced way to provide the dual benefits of returns and growth.
• Reducing associated risk by diversification of funds.
• Offering high-yields and regular income.
• Providing future growth with capital appreciation.

Hence, an investor who has the desire of earning better returns and want to get associated with a well-maintained investment procedure can opt for the schemes falling under the balanced funds.

As they say, “When money realises that it is in good hands, it wants to stay and multiply in those hands.” So, you need to put the monies in such mutual fund investments where they get the opportunity of being multiplied and create wealth for your future.

Thus, if you too desire to create a huge wealth for the future and experience the life full of luxury and pleasure, then the balanced fund is the best alternative for your investment in mutual funds.

To take the best investment decision, you can avail the services of My SIP Online which is indulged in providing online investment solutions to its clients.

Being Together is Being Beneficial- Well Proved by Mutual Funds

We are very familiar with the saying that, if everyone moves together, then success takes care of itself. This phrase has been proved correct in the case of mutual funds as well.

As Vincent Van Gogh says, “Great things are done with series of small things brought together”, similarly, mutual funds aim at achieving never expected higher returns with little funds of many investors pooled together.

Mutual fund investment diversifies the accumulated funds of investors into different investment projects. With this, the risk and return associated with the projects get diversified, and the investor becomes less prone to uncertainty. So accordingly, MF is very beneficial to the investors of a different class. 

In India, investing in mutual funds is still a question mark and has not gained a good ground, as the people are not aware of the advantages of MF.

The mutual funds investment provides several benefits viz.:

• Manage inflation
• Expertise
• Convenience
• Economical
• Diversification
• Liquidity
• High returns
• Safe & transparent
• Tax benefits

When it comes to take a decision of investing in mutual funds, there are certain things we should keep in mind, i.e., 

Aim of investment: We must know the objective of our investment, i.e., whether to earn high returns or to reduce risk or both. This would be helpful while selecting the schemes of mutual funds investment.  

Forms of investment in mutual funds: There are two ways to invest in mutual funds either by lump sum payments or by making periodic payments (SIP mutual fund).

Choosing the scheme: Out of the various schemes provided, we have to choose the best one suitable for us, as per our objectives.

Duration for investment: Tenure for our investment also have to be decided,i.e., to invest for a short, medium or long-term period.

Modes of investing in MF: Investment in mutual funds can be made either online or offline. As per our convenience, we can choose either the online mutual fund or offline.

In the past years, mutual funds have shown better growth models in the investment market. It is proved to be so beneficial to the investors and has made the saying true that “Alone we can do so little; together we can do so much”.

With just a small amount of contribution, we can become the part of a big investment plan under mutual funds and can make a lot of money for our future.

If you are also planning to make investments, you must before going further, consider the mutual fund investment plans. I can assure, you will find much more than what you are looking for.

To get the answers to various other questions you can visit My SIP Online, where you will find a solution for every aspect related to investment plans in mutual funds.

Fasten Your Investments with Debts Funds

We feel financially secure when we earn a fixed amount of income. To meet the routine expenses or for some other reason, we require ready cash always. In the case of investment as well, we desire to get regular and stable income. 

There is a varied class of investors who have different investment goals. Some want capital appreciation, some wealth creation while some want a consistent return. To fulfil the goals of investment, we make different choices to invest our monies. The debt funds are those assets of the mutual fund schemes that derive a regular or fixed returns.

In the case of mutual fund programme, the fund manager pools the money of various investors and invest the same into diversified investment plans. Debt funds are one of the asset categories in mutual fund investment, wherein the pooled sum of money is invested in various debt instruments which fetch fixed returns.

Before going further in the investment procedure, we must know our goals to take an accurate decision. The investors who desire to fetch good returns during a short span of time can put their monies into the short-term debt funds. The investors who do not want to indulge in rigid investment structure can opt the short-term debt funds.

Various benefits attached with debt funds are stated below:

1. Security of Capital: As the money put in debt funds is further invested in the debt instruments or bonds of the company, they are less prone to market volatility.

2. Higher Returns: Though in the case of mutual fund investment, the returns are subject to market risk, but an investor can opt for less volatile debt funds to invest in their monies so as to fetch high yield. 

3. Liquidity: The short-term debt funds provide open-ended schemes that offer easy cash convertibility without any lock-in period.

4. Professional Management: The schemes under debt funds are designed and managed by highly experienced professionals who assure proper administration for the same.

5. Returns in Form of Interest: An individual can put money into the fixed deposit accounts to fetch regular interest. The debt funds provide much higher returns which are nothing but the interest amount generated from an investment made in the debt instruments.

Accordingly, an investor can attain a secure investment with aspiring returns by putting monies into debt funds.

In the case of mutual fund investments, the debt funds always provide the favourable results fulfilling the desires of the investors. The first and foremost thing that we want is the security of the funds, as we put the hard-earned monies into the investments and we never think to lose such corpus. The short-term debt funds offer such security with a regular and fixed income.

One can put monies into the debt funds using the online mode of investment as well that would be helpful in reducing the paper work involved. Also, a strong investment decision can be taken by using such tools which are generated to provide ease to the investors. 

So if you too desire to put money into debt funds, you can buy them online using the services offered by My SIP Online which has a team of experts indulged in providing the best investment services.

UTI Mutual Fund: Building Trust

The main aim of everyone’s life is financial stability. The whole life s(he) earns and saves to lead a better life in the future. The hard-earned money is so crucial that one never dreams of losing it. Many times it happens that due to the fear of losing the funds, we opt not to invest anywhere. But, this is not justifiable at all.

The money that we save in bank accounts can be invested in the mutual funds and fetch comparatively higher returns. So, utilise your money for creating wealth. The UTI Mutual Fund is one of the prominent and trusted mutual fund brands in the investment market. The most important requirement while investing in the mutual fund is choosing the best AMC so as to be assured of safeguarding the monies.

The UTI Mutual Fund is the part of a renowned financial organisation of India, the Unit Trust Of India established under the UTI Act(1963). Due to its association with a legitimate organisation, it is one of the most trustworthy mutual funds of the country. The UTI MF was incorporated on 14th November 2002 under the sponsorship of the Punjab National Bank, the State Bank of India, the Bank of Baroda and the Life Insurance Corporation of India. The UTI Trustee Co.(P) Ltd., is the sole trustee of the UTI Mutual Fund.

The UTI Mutual Funds, are build to deliver the best mutual fund investment schemes to the investors across the country. They are offering varied plans which are designed to cater the requirements of different investors. The performance UTI MF in the past proves its efficiency in the Indian investment market. The asset size managed by the AMC as on 31st December 2015 amounted to Rs.106129.04.

The UTI Mutual Fund is committed to managing and maintain the best fund management practices and process based investments. It aims to deliver consistent and stable returns with medium to large term capital appreciation. It has a belief that a balanced and well-diversified portfolio with an in-house research-based approach can fulfil all the investment goals of the investors. Keeping in mind the vision of becoming the most preferred mutual fund in India, the UTI MF is performing immensely in the mutual fund investment market.

The UTI Mutual Fund has its tagline as, “ Haq, ek behtar zindagi ka.” With this, it aims to fulfil every desire of the investors and make their life a worth living. It provides the following benefits to the clients:

• Proper management of the fund
• Fulfilling the business as well as the social responsibilities
• Best services in the industry
• A trustworthy environment to safeguard the funds
• Tax benefits
• Consistent and stable returns

There are various schemes offered by the UTI MF, which is classified as per their nature into the following categories:

1.  Equity Fund 
2.  Debt Fund
3. Balanced Fund
4.  Speciality Fund

The investor has the choice of opting for any scheme as per his/her investment goals and requirements.

One can buy the UTI mutual fund online as well to fetch many other benefits and tools that can be used to make a better investment plan. The UTI Mutual Fund possesses every trait and thus is incapacitated to make a better future for the investors.

If you desire to put money into the UTI MF, you can avail the services of My SIP Online, which has an advisory committee who can help you in making the best investment decision.

Experience Growth With ICICI Mutual Fund

We are aware of the saying by James Cash Penney, “ Growth is never by mere chance; it is the result of forces working together.” So, to experience the height of success in your investment, you need to hold the hand of a trustworthy partner. We have money with us, but do not have such expertise to utilise the same so as to develop the productivity. The ICICI Mutual Fund can provide such competence to make your money grow higher.

The ICICI Pru AMC was established on 22nd June, 1993, as a result of the joint venture of the two renowned brands viz. The ICICI Bank Ltd., which is the largest private bank in India and The Prudential Plc, the UK based multinational financial services establishment. The ICICI Pru Mutual Fund, being the product of such collaboration has the features that are required to be called one of the best brands.

ICICI Mutual Fund has the tagline, “Tarakki Karein”and the slogan, “Aap Ki Tarakki, aap hi ke haath mein hai. Sahi investment karein. Tarakki Karein!” With this, it aims to develop a growing society. It has the main aim of bridging the gap between the savings and investments because savings being the source and investment being the way of reaching the growth perspective. One can invest in the ICICI mutual funds and fulfil long and short-term financial goals.

ICICI Pru AMC, provides different services like portfolio management services and international advisory services to its various clients across the country and in abroad. In the whole mutual fund segment, it manages the significant assets. Its AUM as on 31st March, 2016 amounted to Rs. 175881 Crores, which proves its efficiency. Many investors who are associated with the ICICI MF are fetching high returns and leading towards their fortune.

As per the requirement of various classes of investors like corporates, retail investors, individuals, etc., the ICICI Pru MF is providing varied schemes which are classified into five broad categories, viz.:

• Equity Funds
• Debt Funds
• Balanced Funds
• Exchange Traded Funds
• Fund of Funds  

Hence, as per the requirement and investment objectives, one can opt any one plan which suits them the best. For making a better choice, the ICICI NAV is one criterion which can help to know the performance of the scheme.

ICICI AMC, promises to provide every possible benefit to the investor. With the various solutions that it provides, the investor can experience the riches. So, now is the time to think and plan the best investment for you. Get associated with the ICICI mutual fund and meet you investment goals.

To provide more feasibility and convenience to an investor, one can buy the ICICI mutual funds online as well. There are various tools which are provided by the online portals to use and take better decision for investing money.

If you wish to experience the growth in ICICI mutual fund, My SIP online  can help you in the best possible way. It is one of the leading online portals for buying mutual funds online.

Meet the Investment Goals with SBI Mutual Fund

We all have some goals in life, and we keep on developing ideas for achieving them. After fulfilling one desire, we switch to another one. The most important fact which helps us to accomplish a goal is a good support. Without a driver a car cannot move, similarly, without the wings, a bird cannot fly, here a driver and the wings are acting as supporters.

We all have monies with us, but do we have the power of converting the money into wealth? SBI mutual fund has it. The money that we put into various investment strategies provides different benefits. But if we can get some extra of it with a supporting drive, then why not go for the same! The State Bank of India, which is one of the greatest achievers in its field has the power to provide the best support to a mutual fund investor, by the SBI mutual fund.

SBI MF, is a product from India’s largest bank, the State Bank of India. It was incorporated on 7th February 1992, under the trusteeship of the SBI Mutual Fund Trustee Company Private Limited. Till then it is performing at a growing rate in the investment market. It has the assets managed Rs. 100054.58 crore as on 31st December 2015, which shows a sound market position of the same. We always want to join hands with a renowned organisation so that we could have complete trust on the same. SBI mutual funds provide the same.

There are various schemes run by the SBI mutual funds which are categorised as under:

1. Equity Funds: The plan structured under this are aimed for long-term investment, providing capital appreciation and growth. They offer good returns to the investor but higher in the long run.
2. Debt Funds: The schemes herein provide regular and fixed income returns. The investments are made in the debt capital of the companies and fetch interest. These are less prone to the risk factor.
3. Hybrid Funds: Hybrid provides the mixture of both the funds viz., debt and equity. The investment under this category is made in both these funds proportionately.
4. Exchange Traded Funds: SBI mutual funds provides an Exchange Traded Fund (ETF) which is a basket of securities that is traded on the stock exchange. The units of ETFs can be bought and sold on the exchange during the trading hours.
5. Liquid Schemes: Under this class, the plans are made to provide a short-term benefit to the investor. Those who wish to invest for a shorter span of time can take the benefits of the schemes. These are highly liquid which means it provides easy cash convertibility.
6. Fixed Maturity Plans: This category covers the close-ended schemes which have fixed maturity period and cannot be withdrawn before the due date.

Accordingly, the investor is left with a choice to opt any scheme of any class as per his desire. This can be assured with the overwhelming record of the SBI mutual funds that they shall provide everything to meet the goals of investment of an investor.

SBI mutual funds online provide ease to the investor of buying the funds online. If you too are looking for investing in the SBI mutual fund, you can take the best help from My SIP Online wherein you can get some of the best SBI mutual fund schemes, which shall help you to meet your goals of investment.

Secured Investment Secured Future: SIP

In our daily routine, we use many things and need the security tool to protect them. Whether it be a mobile phone in which we put password, the almirah which is locked with a key, our jewellery which we keep in lockers or important documents saved on the PC which is secured with a password. Why do we supposed to use too much security? Just to get protection, right? But have you ever thought of securing your investments? SIP(Systematic Investment Plan) can help you secure the same.

Investments are made with our hard-earned monies, then how can we leave it unsecured? We must think to fasten them because it has the power of changing our future. It is the only source to create a fortune. We all know the power of money very well. Having money in hand makes us feel secure because, in the case of uncertainty, it acts as the companion in trying times. So, the investment made with money cannot be kept unsecured at all.

An investment is considered safe when it is put into such projects that ensure better scope and returns. So, just putting the money into the investment plan is not enough, you must find the best plan for yourself to invest in, so as to be assured of protection. For every investor, at the end of the day, the goals are simple: safety and security only. One can compromise on the amount of interest but losing the whole corpus of money is never acceptable.

SIP plans can help you the best way to get rid of all insecurity. Systematic Investment Plan is a way of investing in the mutual fund programme, whereby we can invest by paying the amount on a periodic basis. It provides the following benefits to the investor:

• Makes one a disciplined investor: When an investor makes the payment for investment on periodic basis, he is held with the habit of saving regularly, which makes him a disciplined investor.
• Expertise: The mutual funds SIP schemes are prepared by a highly experienced team of members which assure the schemes to be reliant. With no doubts in mind one can opt for the investment plans.
• Rupee Cost Averaging: The investment in case of SIP is made on different dates. As the NAV keeps on changing, the unit price of the scheme is different for every investment. Hence, when the overall cost of investment is computed, it is comparatively less.
• Assures High Returns: The schemes of mutual fund investment are designed in a way which provide maximum returns and benefits to the investor.
• Secured Investment: All the mutual fund programmes are run by SEBI registered asset management companies. This assures that the corporates are trustworthy, and the fund we put in is held securely by them.

Hence, all the goals that an investor desire to achieve are provided by the SIP programme. When our investment shall be safeguarded, it will automatically lead to a safe future, as we invest to make a better future for us.

So, secure your future and invest in the mutual fund SIP schemes online using the My SIP Online, where you shall be provided with every help that could lead you to take the best investment decision.

Plan Your Fortune With Kotak Mutual Fund

We all are indulged into certain activities which we believe would help us to reach our goals. The main aim of everyone’s life is to lead a life of comfort, luxury and pleasure. Though we are trying our best to achieve the same but still, we cannot be sure of them. So, to be assured we need to make an extra effort. In the case of investment planning as well, we should try to follow most efficient processes so as to come up with a highly appreciating plan. The Kotak mutual fund can become a great mentor for you in this case.

Kotak mutual funds, the part of a successfully running entity Kotak Mahindra Bank, is one of the top mutual funds of India. It started functioning in the mid 90’s and since then performing immensely in the Indian investment market. With its team of highly professional members, it has been successful in providing the best investment solutions to the investors.

All of us are well aware of different fraudulent activities which take place in the investment market. Hence, we need to be sure that our hard-earned money is going in the hands of a reliable person or entity, and this is the reason we always think twice before putting the money into any investment scheme. Kotak mutual fund in this regard has earned the investors’ belief. It is one of the trustworthy organisations which has the main motive of safeguarding the interest of investors.

Investors’ motive while investing is not only the security of their funds, but they also want good plans to invest in. Good plans are the ones which provide maximum returns and least risk involvement. Obviously, an investment without good returns is not a chosen by any investor! And Kotak mutual funds have a variety of schemes which are designed to fulfil the desires of every class of investors.

Going further, if I talk about the schemes undertaken by the Kotak mutual funds, I will come up with a long list for the same. The schemes are categorised into equity, debt, balanced, fund of funds and exchange traded fund. All the plans under these heads are designed as per the requirements of varied investors. Some of the plans provided by the Kotak mf are:

• Kotak 50
• Kotak Midcap
• Kotak Opportunities Fund
• Kotak Gold Fund
• Kotak Asset Allocator Fund
• Kotak Banking ETF

All these schemes have some features and objectives and we are free to choose any one of them as per our need.

Making a fortune or misfortune is all in our hands. So, it is all up to you where, how and of course with whom to invest. Make a plan that reaches your goal and Kotak Mahindra mutual fund can be your best friend for doing the same.

So plan your fortune, your growth and your success with the Kotak mutual fund. For investing in a better way with a good advice, online services can also be opted. My SIP Online can help you attain your goals of investing through the various tools that it offers.

Want to know your return on SIP? Calculate it!

Everyone before putting  money into any transaction whether trade, shopping or investment,  desires to know the return it will fetch.
In the case of business, we calculate the profits using different techniques of management or financial accounting.
And in the case of shopping, we check out the quality of the product we are purchasing and the utility it will provide us.
As far as investments are concerned, we calculate the return on investment using formula so provided for, but do we come to know about the sure results?
No one can give an exact answer to this.

But now, while investing in SIP, one can come up with the exact returns it would fetch in the future. Yes! This can be done using the SIP investment calculator.

Understanding SIP Calculator

Just imagine, you write an assignment and at the same time you come to know the result for the same before submitting it. What will you do then? Obviously, will make corrections wherever required and then submit it. And then, you will be appreciated for the work you did.
But here, the major role is played by that source which helped you to come to know about the result.
This source in case of calculating SIP is - SIP calculator.
It is a device, using which one can calculate the future value of his/her investment in a few easy steps.
Before putting your hard-earned money into any scheme of SIP, you can easily calculate its yield.
What it requires is:

• Your monthly investment. 
• Number of years of investment.
• Expected rate of return. 

as shown in the picture below.          

     
And ,
what it brings out with it is the value of your investment after such period at such rate.

By using SIP calculator, one can come to know that how a small investment made monthly can bring huge amount of returns in the long run. It definitely helps to take a strong decision regarding one’s investment.

Features of SIP calculator:

• It requires just a few entries to be made and comes out with the result.
• It gives an accurate result instead of any approximate.
• It helps in making your plan a successful one.
• It helps to save time.
• being non-technical in nature, it is easy to use.

Hence, with the very useful features, we can easily come to know that SIP calculator is the best tool available at My SIP Online, provided for investing in SIP online

In the present scenario, where online SIP is on the growing pace, SIP calculator is proving to be the most efficient tool. Due to its nature of accuracy, it is being used by everyone and is a very helping tool for online SIP. So just do not wait and try it now to plan your investment.

SIP - ONE INVESTMENT PLAN WITH MANY BENEFITS:

Every person in today’s world want to earn some extra benefits. Sticking on just one source of income is not in practice now and of course, cannot be because of the hike in inflation rates. For earning more one need to get indulged in more than one source so as to get some extra earnings.
All of us are very much aware about the the concept of investment as well as the yields associated with it. Yes, we want to get maximum return on our investment with limited or no risk. Here comes the need to plan a proper investment so that we could get what we want.

INVESTMENT PLAN - DO YOU KNOW WHAT IT IS?
Planning is, thinking in advance about future scenario and then coming up with a strategy as to how we can achieve our goals in the future.
Accordingly, Investment Plan is a strategy of making investment, which is made for the future to earn maximum profits.

CHOSING A BETTER PLAN!
Which is a better plan?
The answer to this question cannot be in one or two words. This is because every one plans with some different objectives. For some, good returns with no risk is the main objective while for others the aim can be to earn high yield only.
But, in general sense, if we talk about the benefits of the investment plan, a better plan can be proved to be the one and only, which

• provides for comparatively high returns
• are less risky
• are safe and secured 

Why SIP (Systematic investment plan)?
Anything, which is done in a systematic way is proved to be efficient and effective. Similarly, the very concept of SIP is to provide for an effective and efficient plan of investment to the investor.

SIP,

• where one can start investment with a lesser amount of Rs 500 only per month.
• Periodically, a certain amount is debited from the bank account of the customer which is put into an investment project.
• Investor is benefited with the compounding power of the scheme.
• It also provides for cost benefit due to the rupee cost averaging concept associated with it.
• Early the investment more shall be the benefit it will fetch due to the compounding power.

Major benefits of SIP

Rupee cost averaging - We cannot predict the movement of market that whether it will go up or down. Even, the professional cannot provide us with the future fluctuation rates because they are very uncertain and depends on many different factors.
Rupee cost averaging here provides us to out of the guessing game of trying to buy less and sell high.
We can understand this concept with an example,
Suppose you invest Rs.1000 every month and NAV(cost) of the unit is constantly changing (increase or decrease), hence at the end of the year on calculating we will come to know that on an average basis we have invested less and earned higher as compared to that in case of lump sum, where the whole investment is made at one time only.
Accordingly, under the SIP scheme advantage of market dips can be taken.
Under this, the money shall buy more share (units) when price reduces and less when price increases and on an average shall provide for lesser cost.

Power of compounding - Compounding concept of finance refers to earning interest on interest. Under this, the investor earns interest on the principal amount and an additional interest on the interest so accrued on the principal amount.
An example for this can be , say you invest Rs 10000 at a simple interest of 10% for 10yrs. After 10yrs you will earn rs.20000.
On the contrary if you invest Rs. 10000 at 10% compound interest for 10yrs then after 10yrs you will earn Rs.27070 which is higher than simple interest.
SIP also provides for this compounding benefit as the interest earned on SIP is compound interest only.
To get benefited with the compounding scheme the investment shall be made for a longer period of time. Longer the period of investment, higher the amount of interest.

Less burden on the investor - one more important benefit of investing in SIP is its minimum capital investment limit.
This means in SIP an investment can be made by starting with an amount of just Rs.500 or Rs.1000 pm and this is really helpful for the less income groups.
So, we are not bound with any minimum capital requirement under this scheme.

Hassle free process - SIP does not require a regular attention of the investor. Once you are enrolled under the scheme, you can allow your bank to debit the amount automatically from your account and make investment.

This is how SIP can be a best investment plan for you. So just don't think more and start investing now via My SIP Online to earn a bundle of benefits.

Top Mutual Funds: A Supplement to Multiply your Money

Is there any substitute for the best? If given an option of choosing between a star rated product and an average product, what will you opt? Obviously, everyone will like to choose the best. Compromising on quality will save money for once but can cast an adverse effect over long-term. Therefore, one should always keep in mind the long-term effects along with other factors.

In the same way, selecting the top mutual funds for your investment will surely take your investment to new heights. Opting for a scheme which is not a good performer can result in decreased return and in extreme cases, loss of principal amount also. But then again a major question arises here is that how can one determine which fund is in the list of top ranking schemes?

The performance of the funds is measured through the rating provided by CRISIL (Credit Rating Information Services of India Limited). The score varies on a monthly or quarterly basis. But, the rating cannot serve as a benchmark to identify any fund as a top performing mutual funds. There are other factors involved; the major one is the past performance of the fund. CRISIL has very strict norms that have to be properly followed by all the schemes to get ranked by the agency. The fund needs to produce a performance record of past three years to the agency which should be according to the standard of the industry.

Selection Criteria of a Top Mutual Fund
Other than the rating aspect various other reasons make any scheme stand in line with the plans at the crest. They are as follows

• Past performance of the fund: The previous performance of the mutual fund should be the best in comparison to the other funds in its category. Whether regarding AUM, a number of clients and the rate at which it can serve the returns to its clients. It should follow continuity in its operations and have regular investments by the clients. 
• Consistency: Any fund to be ranked among the top fund should be able to show a consistent graph of performance. Monitoring the past performance does not mean that the fund performs well for the first year and starts showing downfall from the second year. A consistent growth pattern should be followed. 
• Fund Managers: The fund managers are the ones who maintain the portfolio of the clients. If the fund manager is experienced and well-versed with the market conditions, then he will prove to be a boon for the scheme and AMC altogether. Hence, any scheme having a proficient fund manager will always be the preferred scheme for investment by the clients.
• Assets Under Management (AUM): The assets that are managed under a particular scheme also decides its fate. As the AUM of any scheme rises it shows the progress graph for it. The rising AUM is enough to state the popularity of the plan and is very much essential to make it stand in the limelight easily. AUM depends on the category to which the fund belongs.
• History of Asset Management Company (AMC): AMC is the company which provides the various mutual funds, for example, SBI mutual fund, UTI mutual fund. The origin and the tenure for which it is operational decides the trust that the clients will have in the schemes. Let us take the example of UTI mutual fund. It is the first financial sector company of India. Thus, it has a reach to wider section as compared to any novice company like DSP BlcakRock mutual fund. So, a well-established AMC has greater chances of reaching the pinnacle as compared to a newbie AMC.

Some of the Top performing Scheme under various categories

The top funds are selected on the basis of different categories which the mutual fund industry provides. They are:

1. Equity funds: Equity schemes are the type of mutual funds which are based on providing capital appreciation having a high risk factor. The clients who can afford to take the risk are the prime targets of the AMCs. Therefore, one can observe the list of top performing funds which are ranked high on the scale of performance by CRISIL. There are various sub-categories like Large Cap, Small Cap and Mid Cap in equity funds.  
2. Debt funds: A category of funds which extend the benefit of fixed income generation for the clients. This means that the scheme ranks low on the risk meter and the priority list of the risk-averse customers. They are ready to sacrifice the returns but are not willing to compromise the security of their money. There are many types of debt funds like debt long term, debt short term, gilt funds, etc.
3. Hybrid Fund: The category of funds which invests in equity and debt funds equally. Hybrid funds provide the facility of capital appreciation as well as security in their investment by maintaining a balance between both. The client can enjoy the sweetness of debt funds and the sourness of equity funds in one single scheme.

Thus, we can see that the top performing mutual funds are able to facilitate an increased yield to the clients in return for their investments. My SIP online.com is one of the online investment portals which helps the clients to invest and redeem their investments in an easier way. Thus, invest and grow without any worries.

Plan Your Investments in a Better Way

SIP returns planner is a very simple yet a powerful tool which can be used by clients to calculate their returns on their investments through SIP. Talking of SIPs which are an investment methods for parking the surplus money in mutual funds which are presently gaining pace to become one of the most preferred investment mechanisms over a period of time. SIP calculator which is an online tool, helps the clients to compute the amount you need to invest regularly over a long-term to attain the financial goals that require copious amount. The investment objectives can vary from buying a house to planning for your child’s future. This calculator will not only help you to plan for your investment targets but will also make it clear that how much amount should be required to fulfill those aspirations. It is an important tool as it is the part of the planning mechanism. The clients need to plan before they invest and to plan they need accurate figures which will clear their concepts and open up avenues according to their capacity and help them to locate the correct scheme suitable for investment according to their needs and affordability.

For example, if a scheme provides 12% CAGR (Compound Annual Growth Rate) according to simple interest the expect growth will be 1%. But, the same is not true. SIP return calculator computes the return percentage on the basis of compound interest. Hence the the correct formula is CAGR = [(Current Value / Beginning Value) ^ (1/# of Years)]-1. This means that the client will get a return as per the formula i.e., (1+12%)12 -1 = 0.949%. It may appear to the clients that the difference calculating with simple interest and compound interest is very less. But, it creates a huge gulf when it comes to giving returns on the invested sum. The clients need to understand that a difference of even a .50% makes a the returns fluctuate to a high degree.

The above-mentioned formula may seem to be quite easy for computing once but when the calculation has to be done repeatedly for a long duration, then it becomes an intricate task for the investors. They take help of investment experts who sometimes tend to trick them into schemes which are not suitable for them or make them pay an amount greater than what may be required just to earn an appreciation in their salaries. To avoid all such problems the mutual fund experts have come with an innovative idea of automating all the mutual fund transactions. The clients now have access to a more lucrative option which makes it easier for them to create wealth. With a minimum amount of paperwork involved in the process, the clients are free to invest anytime and from anywhere. It is true that the clients have become independent and the cases of frauds have reduced due to the online process. Still the computation of SIP amount and the returns remains to be a tough task for the clients. To ease out this tautness an online tool has been devised known as SIP returns calculator. The clients have to make just a few entries and the result will be given to them within no time. Mutual fund investment planner works on the data with complete transparency and produces unambiguous results. This means that the clients have a trustworthy friend who will not only ease out their planning but will also make them create wealth according to their investment needs and affordability.

Summing up, one can say that SIP calculator not only makes the clients happy but also facilitates a better and secure way to calculate the returns, amount required to be invested along with the corpus in a quick manner. It is a freely available tool at My SIP Online which will provide access to better planning for your SIP. This tool at can be used both by online and offline investors equally. SIP calculators is a handy tool for all the investors and helps them to make investing decisions which suffice their requirements and suits their budget as well. 

Create Wealth Through Tax Saving Mutual Funds

If you fall into the tax bracket, then you might know that it becomes quite difficult to make judge the correct place to put the money for availing the rebate for income tax. Panama paper’s scam was brought to light recently. It depicted the list of those people who have violated several laws in order to save taxes. After this scam had been unraveled, it made people think that when the celebrities, businessmen, and politicians, who are considered to be the role models, are finding out illegal ways to save taxes then why not them. But, it is a wrong practice. The taxpayers should understand that they have much better options for availing tax benefits rather than unlawfully keeping their money with them. Schemes like Rgess has been launched to make the best use of your hard-earned money and providing taxation benefits at the same time.

Rajiv gandhi equity saving scheme was initiated by the government of india with a view to providing additional benefit of tax saving to the clients along with attracting investments in the retail market. The scheme has been named after the sixth pm of india mr. Rajiv gandhi and was launched in september 2012. This scheme aims at attracting those clients who have never invested in the stock market and earns up to rs. 12 lac annually, which was initially rs. 10 lac. There is a separate section defined for Rajiv gandhi equity savings scheme in the income tax act, which has been named section 80ccg.

A client who is keen to invest in Rgess should know that he will get an extra rebate of rs. 50,000 apart from the regular rebate of rs. 1.5 lac. It means that the tax benefit would be given only to 50% of the total amount invested in Rgess. If an investor invests rs 50,000 and falls in the 20% tax bracket, then he will be able to save 20% on 25,000 (which is 50% of 50,000). Hence, the client will be able to attain a taxation benefit of rs. 5,000. The benefit depends on the tax bracket to which the belong. Like all other tax saving schemes, there is a lock-in period of three years in Rgess also. But, it is quite less as compared to the other tax-saving mechanisms like ppf, where partial withdrawal is possible in six years and 15 years is the maturity period.

Rgess Benefit Under Various Taxation Brackets

Above figure shows the investment amount in descending order. This means that the client can invest a maximum amount of rs. 50,000 and a minimum of rs. 5,000 in the scheme and depending on the tax bracket they save tax. For example, if a client invests rs. 5,000 in Rgess scheme then he will get a rebate on its half,  I .E., rs. 2500. Then, if he falls in the 10% tax bracket, then he will be able to save rs. 258, while he will save rs. 515 for 20% tax bracket and rs. 772 for 30% bracket. Thus, it is evident that a client who invests in Rgess will be eligible to get a rebate on the fifty per cent of that amount, and the tax will be saved according to the taxation percentage of every client.

How Can A Client Invest In Rgess?

The clients should be clear that for investing into the Rgess fund, they need to have a personal demat account. Although there is a lock-in period of three years in the scheme, the clients are eligible to trade the holdings after one year has elapsed from the date of commencement of the scheme. This means that the investors should have shares worth the amount that has been invested in the Rgess scheme. Thus, the securities bought through the demat account under Rgess will accordingly be subjected to a lock-in for the first year of investment which is known as the fixed lock-in period. The investor is not allowed to trade the units of the Rgess fund during the fixed lock-in period. However, the client is able to trade them once the lock-in period gets over.

Thus, a client should invest in Rgess mutual fund for saving tax and building up a huge corpus as well. It is a golden opportunity for the clients to who have never traded in the share market and fulfill the other requirements. With the expansion of technology now it is possible to use online trading mechanisms for Mutual Fund Invest. Mysiponline provides you an apt platform to manage your money efficiently using an online approach.

Systematic Investment Plan: Better option for monthly saving

Systematic Investment Plan or SIP is one of the two methods of investing in mutual funds. The investors who were earlier unwilling to make one-time investment due to the involvement of a large sum in spite the desire to invest now have the option of investing in regular installments of SIP. The reasons can be any like, low income, the philosophy behind investment and many more. Keeping in view the restrictions that the clients faced while investing a lump sum, mutual fund experts felt the urgency to devise such a plan which could attract more and more investors who otherwise kept a distance from investing. SIP is similar to recurring investment but far better than that in many ways.

How SIP is better than other saving options?

As we all know that saving is entirely different from investing. But, many people equate RD and SIP. It is an entirely a wrong practice. To understand the vast difference among the two options the following points must be read:

• There are no time restrictions in SIP. As, there is no minimum or maximum period defined for sip investment. One can invest for longer duration in equity-oriented schemes while liquid funds help to invest for relatively shorter time duration. Unlike, other investment methods which have some minimum and maximum stipulated time-period. 
• The client doesn’t need a bulk amount, for investment. The idea behind investing through SIP is to reduce the burden of one-time investment from the shoulders of the client. But, you require a lump sum to invest in other options available for investing, like FDs. 
• An investor is free to withdraw the invested sum (after lock-in period if any), as and when required. There is no entry or exit load (in some schemes there is 1% exit load). But, if you withdraw your money from FD/RD before the maturity period, you will have to pay a penalty for it which will be deducted from the amount which the client had invested initially. Therefore, incurring a loss in the principle amount.
• SIP can be paid automatically through the bank account of the investor, making use of the facility called auto-debit/ECS. The investors need not go again and again to withdraw and deposit cash. But, same is not applicable to FD. An investor has to go to the branch repeatedly, either to commence the investment or to withdraw it. Standing instructions can not be given for same. 
• Systematic Investment Plan brings about financial cohesion. It is possible because the investor knows he/she will have to spare a certain amount for the purpose of investment. This automatically brings the income and expenditure in proper shape. But, in other investment options like FD, you have to accumulate money. The idle money in your account, during the process of accumulation, will attract you to spend it.

With the growth of technology, using SIP has become even more comfortable. SIP was designed as a method of investing in the mutual funds which followed a regular installment method. Now, you can use the auto-debit option to get your installment for SIP debited from your saving bank account. Just give a standing instruction to your bank for debiting the amount and from thereon you need not have to remember the date of paying SIP. You can also select your scheme through the various investing options provided by the AMCs. Now, it has become more easy for the investors to plan and pay their SIP installments.

Understanding SIP Investments In Three Simple Steps

Investors often have the notion that SIP is an investment in itself. It is a blunder to believe in such a myth. An SIP serves as a method of investing in mutual funds rather than being an investing mechanism. SIP is a special friend to the investors who are beginning their career and investment as well. We all know when a person takes up a job as a fresher, it is practically not viable for him/her to opt for lump sum as an investment method. However, they are paid enough to pull out a small amount from their salary to be invested monthly via SIP. Hence, penny by penny they can contribute towards accumulating a huge fund.

Automation is being widely accepted in almost every field, whether it may be education or investing. With the introduction of online investment strategy, the clients are able to get more freedom of investing as compared to the physical path. The investors can manage their money, decide the scheme in which they want to invest and also make the payment through various online mechanisms being extended by the banks.

Process of online SIP investment?
The online investing mechanism has undoubtedly decreased the tautness of clients. Mr Sharma was trying to find an answer to the question of how to invest in SIP, when his friend, who was already an investor, visited him. Mr. Sharma shared his dilemma with is friend and to satisfy the query his friend explained the following process involved in how to invest in SIP.

Analyzing your requirements
For taking the correct investment decision and choosing an appropriate scheme, the clients need to understand their requirements. It is rightly quoted, “An investor without an investment objective is like a traveler without a destination”. This phrase signifies the importance of having an investment objective before commencing the process of investment. Each individual has different nature and thinking. In the same way, every client has varying investment needs like some might invest to multiply their money manifolds to buy a property in the long run, while a few may want to save tax along with investing, etc. The reason may be any, but the realization of that need is necessary because it serves as the basis of selection for the type of scheme. Mutual funds have launched various schemes in order to suffice the needs of all investors. Thus, to select one of the plans from the wide range, clients have to identify their aspirations from the money they tend to invest.

Creating a personalized portfolio 
As you file all your documents in a folder manually, there is an online folder known as portfolio which holds a list all your investments including stocks, bonds and cash. There are two types of portfolios first, it is concerned with a scheme. The portfolio of a scheme holds the investment records of a particular plan. It managed by the fund managers and gives the information of the sectors where the scheme tends to invest. The client has no interference in the investment strategy and portfolio management of a plan. Second, is a personalized portfolio where the client’s investment details are recorded. When using an online investment strategy the clients enjoy a liberty to manage it according to their preference with the help of experts. A strong portfolio with a less number of scripts is far more better than the one with inappropriate and more number of schemes. Hence, creation and management of the portfolio can be done with the help of experts even in online investing.

Realizing payment in a safe manner
There are a lot of facilities have been launched by banks to provide handy service for their clients like ATM, debit/credit card, NEFT, RTGS, etc. All the facilities allow the clients to have a better approach to the bank transactions and making them easier to execute. With an increased use of online methodologies for buying and selling, clients require a secure payment mode. This not only reduces the time but also ensures that the payment is carried out through a safe mode. The same concept is applicable in online investing option also. The clients need not stand in long queues and wait for long first to withdraw and then to deposit the money. With the help of any of the online transaction facilities an investor can transfer the money safely from one account to the other.

The three-tier process depicts the overall working of an online investment strategy. The clients have the chance to be more independent and can adopt a secure investment avenue for their hard-earned money.