Category: Uncategorized
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Understanding LTCG tax is essential for maximizing post-tax returns. Union Budget 2024 brought significant changes effective July 23, 2024. This guide explains current tax rates, calculations, and planning strategies. What is Long-Term Capital Gains? Long-term capital gains represent profit from selling a capital asset after holding it beyond a specified minimum period. For mutual funds,…
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Liquid funds offer better returns than savings accounts with near-instant accessibility, making them ideal for parking surplus cash or building an emergency fund. Understanding Liquid Funds Liquid funds are debt mutual funds that invest exclusively in ultra-short-term money market instruments with maturities of up to 91 days. These include treasury bills, commercial papers, certificates of…
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This choice can impact your long-term wealth by lakhs of rupees. This guide explains the differences, cost implications, and which suits your situation. What Are Direct and Regular Plans? Same fund, different distribution channels – like buying from the manufacturer vs. retail store. Regular Plans: Via intermediaries (distributors, advisors, banks, brokers). AMC pays them commissions…
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Dividend yield mutual funds offer a balanced approach combining equity growth potential with income stability from dividend payouts. This guide explains how they work and their suitability for your portfolio. Understanding Dividend Yield Mutual Funds Dividend yield mutual funds invest primarily in dividend-paying stocks. SEBI requires 65% minimum equity allocation. They differ from other equity…
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A mutual fund is an investment product, while a SIP is a method of investing in that product. Think of it this way: a mutual fund is like a subscription service, and a SIP is choosing to pay monthly instead of annually. Understanding Mutual Funds First A mutual fund is a basket of investments –…
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When building a diversified investment portfolio in India, Exchange-Traded Funds (ETFs) and Mutual Funds are two popular options. While both allow you to invest in a basket of securities, they differ significantly in structure, costs, and how they’re traded. This guide explains the key differences to help you choose the right option What Are Mutual…
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When it comes to investing, many people immediately think of stocks and equities. However, debt funds offer another avenue worth exploring for those looking to grow savings while maintaining a conservative approach to risk. What is a Debt Fund? A debt fund is a type of mutual fund that invests in fixed-income securities like government…
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