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Investment Pattern |
| Type | Min | Max | | Equity & equity related instruments | 65 | 80 | | Commodity ETFs, Exchange Traded Commodity Derivatives (ETCDs) & any other mode of investment in commodities as permitted by SEBI from time to time. | 10 | 25 | | Debt & MMI | 10 | 25 | | Units of REITs & InvITs | 0 | 10 |
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A new fund offer (NFO) is the first time subscription
offer for a new scheme launched by the asset management companies (AMCs). A new
fund offer is launched in the market to raise capital from the public in order to
buy securities like shares, govt. bonds etc. from the market. NFO is similar to
the initial public offer (IPO) with an attempt to raise capital from the market.
NFOs are offered for a stipulated period
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Better known as FMP, these are instruments issued
by Asset Management Companies (AMC’s), such as ICICI, HDFC, Tata AIG & others. FMPs
typically invest in Debt funds and hence are secure and provide you with a good
yield that is taxed under capital gains and allow you to avail the benefit of indexation.
The most commonly offered maturity period in FMP’s are Monthly, Quarterly, Yearly
and even longer. They offer good, net of tax, returns as against FDs that are taxed
as per your income tax slabs.
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These are close-ended schemes, designed
to secure principal investment. In such schemes, majority Investment is made into
debt securities &the balance is invested into equity. Investment in Debt secures
your principal and equity ensures gradual & substantial growth of the Investment.
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Liquid funds are a type of mutual funds that invest
in securities with a residual maturity of up to 91 days. Assets invested are not
tied up for a long time as liquid funds do not have a lock – in period.
Return is not guaranteed as the performance of fund depends upon how the market
performs unlike fixed deposits which are not dependant on the market. An investor
looking for better returns prefers investing in a liquid fund over fixed deposit.
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Debt funds are mutual funds that invest in fixed income
securities like bonds and treasury bills. Gilt fund, monthly income plans (MIPs),
short term plans (STPs), liquid funds, and fixed maturity plans (FMPs) are some
of the investment options in debt funds. Apart from these categories, debt funds
include various funds investing in short term, medium term and long term bonds.
Debt funds are good for by individuals who are not willing to invest in a highly
volatile equity market. A debt fund provides a steady but low income relative to
equity. It is comparatively less volatile.
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An equity fund is an open or closed-end fund
that invests primarily in stocks, allowing investors to buy into the fund and thus
buy a basket of stocks more easily than they could purchase the individual securities.
There are literally thousands of equity funds out there and each has unique characteristics.
The distinctions among funds aren't always clear, but in general, equity funds pursue
one of these three primary goals: Income, capitalgains, or both.
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SIP or systematic investment planning is method through which
you can invest in mutual funds through small and periodic installments. Infact you
can invest as low as Rs. 1000/- on a monthly basis. Moreover you can also select
the tenure of the instalments. We recommend a minimum investment tenure of 3 years.
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Why is SIP a Smart choice?
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Inculcate financial discipline
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Helps you make investment your first priority from it being your last priority.
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Average out your cost of investment and hence reduce your risk
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Lets say you invested Rs 1000 every month. And lets say the scheme invested in is
available at a rate of Rs 20 per unit. Then in month 1, you will be able to obtain
50 units. In month 2 if the unit value goes down to Rs 10 then you will be able
to obtain 100 units.
Hence for Rs 2000 invested over 2 months the total value of your investment at the
end of 2 months is Rs 1500. However if you had invested a straight sum of Rs 2000
in month 1 when the rate was Rs 20 per unit – your net value at the end of month
2 will only be Rs 1000/-.
Hence a SIP helps you average out your cost and thereby reduce risk resulting in
generating superior returns.
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