06Aug 2023 by admin No Comments
Before investing in debt mutual funds, know the tax impact on your income.

Before investing in debt mutual funds, know the tax impact on your income.

As per the existing provision of the Income Tax Act, on redemption of debt mutual funds held by you for three years or more, they are considered long-term capital gains, can avail of the indexation benefit, and are taxed at a flat rate of 20% after indexation or 10% without indexation. On the contrary, if your holding period in a debt mutual fund is less than three years, any gain that arises on redemption is taxable at the investor's tax slab rate. But, in the Annual budget 2023, any capital gain on redemption of debt funds purchased on or after April 1, 2022, will be taxed as per the income tax slab rate applicable to your income. Therefore, it can help you defer taxes. Like FDRs, now you must pay…
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10Oct 2022 by admin No Comments
Be greedy when the market is selling and fearful when the market is buying.

Be greedy when the market is selling and fearful when the market is buying.

  What should you do in the chaotic market? The market is always based on the concepts of Fear and greed; these concepts are based on human emotions and euphoria. Everyone is selling out of acute anxiety in a bear market if the stock price declines during a market crash or correction. At that point, you believe the market offers you a chance to purchase. Added fundamentally sound stocks to your portfolio that you could not buy earlier owing to excessive valuation. The Fear & Greed Index can be a useful technique to gauge market mood when used in conjunction with fundamentals and other analytical tools. The Fear & Greed Index determines the market's state of mind. Fear and Greed sentiment indicators can help investors recognize their emotions and assumptions,…
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28Jun 2020 by admin No Comments
CHOOSE THE RIGHT MUTUAL FUNDS BY ANALYZING THE RISK

CHOOSE THE RIGHT MUTUAL FUNDS BY ANALYZING THE RISK

A mutual fund is the best option on the date to invest for long-term goals. It has several advantages: lower cost of investing, very liquid, higher safety compared to other products, and tax-efficient. A mutual fund is also diversifying investor’s money into the different Asset classes. It is less risky than equity, as fund units are professionally managed. It is highly operational transparent, and user friendly. The selection of investing in a mutual fund is generally guided by two criteria: The investor would prefer to invest in the lowest risk fund with the same expected return in a specific time frame in two funds.The investor would prefer the higher expected return in portfolios of two funds with the same risk. RISK ANALYSIS OF MUTUAL FUNDS An investor should make an…
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