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I would like to invest for short term say 7 days or so in MF so that my capital does nit lie idle? What would be the best fund to invest in?...
Hi,
I want to invest 25000/- in Mutual Fund Tax Saver. Can you tell me whcich fund I have to choose for investing ?
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Hi Friend,
I want to invest 25000/- in Mutual Fund Tax Saver. Can any one tell me which fund I have to invest?...
i am trading in short term.so wat should be the minimum profit percentage so it covers the tax and the brokerage...
Dear Rdadhe, Yes PPF & PF r the only debt products which r tax free as per current Tax law. But once the new Direct Tax code `ll take place, the things `ll not remain same.
Now to answer how much one should invest in these debt products & how much in Eq. the answer `ll depend upon several factors -
1. Age of investor
2. Risk appetite
3. current portfolio structure
4. Time remain to retirement
5. Financial liabilities
6. Over all time available for investment to grow
To name a few.
After identifying the above & some other factors an investor may decide her own split of Eq. & debt.
Thanks
Ashal
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Yes, as dear Ashal pointed out, these are all debt like investments and should be clubbed together with other market linked debt instruments.
Regards,
Wadia...
Dear Ashal,
I was just wondering. It make a long term sense to max your PPF each year. Along with PF & Superannuation, it is the only tax free investment avaliable at the moment. (not sure for how long)
After this, normally working people find it very difficult to find large amount of cash to save in other avenues. Is it not therefore best to focus on a % split between Debt & Equity for your age and profile and then allocate the investible cash accordingly? Mostly, this will mean that major portion of your disposable income should go in equity related investments.
Regards...
Dear Ashalanshu,
Thanks for info. So it just the different in approach which funds can take....
Dear rdadhe,
I appreciate your reply.
But, buying 1 gram pure gold is possible?
Though there are 1 gram stuff available, but then what about purity and making charges?
Then, if you want to use them for remaking other ornaments, again you loose money. Am I right?
Comment on this.
Thanks...
Dear Rdadhe, PF, PPF & superannuation corpus along with ur normal FDs & debt funds all form the debt part of ur portfolio. Even one may consider the traditional life insurance policies under debt category.
Yes ur observation is correct that in all the above investments the underlying assets are debt.
Thanks
Ashal...
Dear wadia,
Is it proper to consider your PF/PPF/Super-annuation as a debt investment along with FD`s & debt funds when you calculate the net portfolio exposure to debt? After all these increase at similar rates and their underlying assets are debt.
Regards
...
Hi,
My wife started investing in gold when my daughter was born. I could only buy 1 gm per month. We started with 1 gm per month of the gold wire rings every goldsmith sells as pure gold. As our buying power increased, we kept on buying more every month. Now for last few years we have found that there is a sort of Bhishi, where you give 11 cheques,one per month & the goldsmith will put the 12th installment. You buy gold at market rate from the shop. This gives about 8% rturn, higger than your FD`s and allows me to buy gold biscuit. I suggest you buy real gold instead of ETF`s & Gold funds. I prefer buying gold in 50 gm or higher size biscuits. These are guaranteed pure form and can be sold or used for ornaments later.
You can look at gold as a parallel investment, just like bonds or stocks. Steady and sure returns.
Regards...
Hello,
If I have demat accont from one bank and Want to purchase Mutual Fund from other fund house.
What will be better, purchasing online through Demat or Directly contacting Fund House?
I had information like, Purchasing through Other bank`s demat may lead to pay extra commission.
Please clarify....
I invested around 3 lakhs in HDFC Equity, Reliance Growth and Magnum Contra Funds. Now i would like to start an SIP for the same above mensioned 3 funds. Is my choice is right? Can i continue invest in the same fund? Please advice....
Dear Friend, As not much info is there in ur post so in my view in general u may start ur SIPs in following funds.
HDFC Top 200
DSP Top 100
REl. RSF Eq.
Thanks
Ashal...
