Direct vs Regular Plans.

Investors are becoming more aware of Mutual Fund Direct Plans. Investment into Mutual Funds (MFs) can be done in two ways:- Regular Plans whereby a certain ‘expense ratio’ is charged by the mutual fund company ( ie, the AMC – Asset Management Company), as a percentage of the value of your fund, which includes the fee of the AMC as also some fee of the Adviser who is managing your portfolio. Thus, it is a bundled option. The fee of the Advisor is directly credited by the AMC to the Advisor after it has been charged to you. So, the expenses charged […]

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Diversify your Investments

More than 80% of investments of Individuals are in real estate and around 10% in Gold and Silver. The remaining are in financial assets i.e Bank Deposits, Insurance and Mutual Funds etc. Currently the appreciation in real estate prices has stagnated and so also in gold. So physical assets no more  provide better return than the financial assets.In financial assets the equity as an asset class has outperformed  other financial assets. The reduction in the interest rate of Bank Deposits has caused a lot of concern for retired people. Approach by Individual Investors An individual investor should look at the […]

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