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.