As Fixed Deposits are very popular among investors, it is very important to understand how your money will grow and what amount of <a href="https://zfunds.in/m/fd-interest-rates">fd interest rate</a> it will gain. Many think of this as a complex process, but it is very easy to ascertain the interest you will be getting on your deposit. Let’s find out how.Compound interest is applied by the entities on the fund’s deposited by an investor. It is the concept where an investor not only gains interest on the principal amount but also on the interest gained thereon. For a better understanding of this, let’s go through an example.&nbsp; Let’s assume a bank offers 8% p.a. for a 5-year FD where the interest is compounded annually. So, if an investor invests Rs.1,00,000, we can calculate the interest as given below:For 1st year:Interest for the first year: 1,00,000x8x1/100 = Rs.8,000 This amount will be clubbed with the principal. So, the principal for the 2nd year becomes Rs.10,800. For 2nd Year: Interest for the 2nd year: 1,08,000x8x1/100 = Rs.8640This will be again clubbed to the principal. So now the FD account has Rs.1,16,640.In this manner, investors can conveniently ascertain the compound interest for the next 3 years. Also, some institutions compound interest on a monthly, quarterly, and half-yearly basis.So, in these cases, investors can use a simple formula that multiplies the principal amount with the interest rate raised to the number of periods in years, which is the standard formula for compound interest (CI). Compound Interest = P {(1 + i/100)n – 1} Where,&nbsp;P = Principal&nbsp;n = number of years&nbsp;i = rate of interest&nbsp; Therefore, in the above case, CI= 1,00,000 {(1+8/100)5 – 1} = Rs 46,932&nbsp; Total amount = Rs 1,46,932 As illustrated above, this is how the investors can see how much interest they will be getting on their fixed deposit.

how-to-calculate-fd-interest-rate-how-to-check-fd-returns

if you have any query on your mutual funds, you can ask here

With the increasing frauds in the nationalized banks, investors have started to lose confidence in these banks and are concerned whether to go forward with an FD account in this or not.&nbsp; The answer to this is subjective. RBI governs these banks with strict rules and statutes especially after the irregularities found. Moreover, the deposits are protected up to Rs 5,00,000 by the DICGC i.e., Deposit Insurance and Credit Guarantee Corporation. These banks over the years have developed an excellent internal control system and framework to detect frauds, so yes, an investor can take comfort in these deposits. What an investor must keep in mind is the <a href="https://zfunds.in/m/fd-interest-rates">high-interest rates offering FDs</a> promised by small banks.&nbsp; Now another question that strikes is, are public sector banks more reliable than the private sector? Both are reliable and secure as they are governed and follow RBI rules and guidelines. Some private banks even have lower NPAs when compared to public sector banks.&nbsp;

how-safe-are-fds-in-nationalized-banks-will-i-lose-my-money-in-case-of-default-by-my-bank

<ul><li>&nbsp;Sumit, You may look at the following funds for long term SIP in gold: - ICICI Gold Savings Fund - HDFC Gold Fund ICICI Gold Savings Fund is one of the cheapest Gold Fund available with an expense ratio of only 0.14% currently. It invests its entire corpus in ICICI Gold ETF and hence backed by physical gold assets.&nbsp;</li><li>You may opt for this one.</li></ul>

hi-there-i-would-like-to-invest-in-gold-for-long-term-through-sip-which-fund-should-i-opt-for

Hi Sumit,&nbsp; We dont track both the stocks and would not be able to comment / advise on these.&nbsp;A better idea would be to revisit your original reason to buy these stocks. If it was backed by fundamentals, you may look at those aspects and take a decision. In case these stocks were bought because of any other reason, I would recommend an exit and look at investing either through Mutual Funds or large established companies through direct stock.Please let me know if there is anything else i can assist you with.

hi-manish-i-am-a-working-professional-need-your-advice-on-two-equity-stocks-vascon-engneering-bought-at-rs-33-cmp-is-8002nd-is-pro-financial-capital-bought-at-280cmp-is-1900i-have-lost-almost-90-of-invested-money-in-these-stocks-how-are-the-fundamentals-if-i-keep-them-for-long-term

State Bank of India or SBI offers its customers a number of <a href="https://zfunds.in/m/fixed-deposit">FD (Fixed Deposits)</a> options to park their surplus funds and enjoy decent &amp; attractive interest rates on it over a specific period. The depositors simply need to deposit the fund at the time of opening the account and choose a term/tenure that seems convenient and feasible to them. SBI FD interest rates are quite decent and competitive compared to the rates offered by other banks. These interest rates range from 2.90% to 6.20% p.a., for tenures as short as 7 days to as long as 10 years. Senior Citizens are offered additional interest on their deposits. Let us have a look at the latest rates of these FDs as SBI has revised the rates.&nbsp;Interest Rates On Retail Domestic fixed deposits (Below Rs. 2 crores) are as follows:<figure class="table"><table><tbody><tr><td>Term&nbsp;</td><td>General Public %</td><td>Senior Citizens %</td></tr><tr><td>7 days to 45 days&nbsp;</td><td>2.90</td><td>3.40</td></tr><tr><td>46 days to 179 days&nbsp;</td><td>3.90</td><td>4.40</td></tr><tr><td>180 days to 210 days&nbsp;</td><td>4.40</td><td>4.90</td></tr><tr><td>211 days to less than 1 year</td><td>4.40</td><td>4.90</td></tr><tr><td>1 year to less than 2 years</td><td>5.00</td><td>5.50</td></tr><tr><td>2 years to less than 3 years</td><td>5.10</td><td>5.60</td></tr><tr><td>3 years to less than 5 years</td><td>5.30</td><td>5.80</td></tr><tr><td>5 years and up to 10 years</td><td>5.40</td><td>6.20</td></tr></tbody></table></figure>

what-is-the-interest-rate-for-fixed-deposit-in-sbi

When talking about choosing between LIC and FD, one should understand that they both serve different purposes and you cannot compare them.&nbsp;LIC policy is an insurance product which you purchase by paying a specific amount of premium at predefined periods. The insurance company provides the nominee with an assured sum in case of the demise of the insurer. There are different insurance policies based on different requirements from which you can opt from.&nbsp; On the other side, when we talk about FDs, you can invest your funds for a fixed tenure at a fixed interest rate and receive the corpus on maturity. The premature withdrawals are permitted in most banks subject to applicable penalties. The tenure for investment ranges from 7 days to 10 years.&nbsp;While doing financial planning, you can consider both of these. FDs have their own benefits and objectives which you can read here: https://zfunds.in/m/fd-interest-ratesNevertheless, it is always advised to consult a financial advisor and professional while planning your finances.&nbsp;

is-lic-better-than-fd

As explained by Anil, speculative gains might not happen in this fund now. Additionally, the portfolio is managed like a low duration credit risk fund and might see Vodafone type accidents in future. Given that your time horizon is short, you would be better off investing in a high credit fund from the same amc - Franklin banking and psu debt fund. If you are in 30pc tax bracket, you may also look at arbitrage funds - for higher post tax yields.

franklin-low-duration-fund-is-at-a-1-yr-low-does-it-make-sense-to-invest-in-this-fund-now-and-hope-to-see-gains-in-the-near-future-

No, there is no specific scheme available exclusively for students in the post office. However, all the schemes offered by the Post Office except for the Senior Citizen Saving Scheme &amp; Sukanya Samriddhi Yojana can be availed by students of above 18 years of age. Some of the schemes which can be feasibly opted by the students are:<ol><li>Post Office Recurring Deposit</li><li>Post Office Monthly Income Scheme&nbsp;</li><li>Post Office Term Deposits of 1,2,3 and 5 years</li><li>Public Provident Fund (PPF)</li><li>National Savings Certificate (NSC)</li></ol>All these schemes have different objectives, features, benefits, and returns. You can browse the Articles section on the ZFunds website and read more about them.

is-there-any-post-office-scheme-for-students-please-reply

ETFs or Exchange Traded Funds have some fees associated with them. As these funds simply do the replication of an index, they do not require active management. But, still, there are some fees involved with them which are covered under the expense ratio including the management, promotion &amp; other administrative costs. The expense ratio for the ETFs is generally very minimal.&nbsp;<a href="https://zfunds.in/m/exchange-traded-funds-etfs">Exchange Traded Funds</a> also have the transaction cost involved with them as these are traded on the exchange. Transaction cost is charged by the exchange and the brokerage house from the investors while doing buying or selling transactions. However, in the case of mutual funds, the transaction cost is included in the expense ratio. It is not charged separately from the investor.For a detailed comparison and to know more about the fees of the ETFs and the mutual funds, &nbsp;Check - <a href="https://zfunds.in/m/etf-vs-mutual-funds">Understand the Difference Between ETF vs Mutual Funds</a>

do-etfs-have-fees-what-are-the-costs-of-investing-in-etfs

<ul><li>I would recommend the following from the ones mentioned by you - HDFC Sensex Index Fund - Axis Bluechip Fund - UTI Nifty Index Fund - ICICI Nifty Next 50 Index Fund (not from the list though - part of my spl recommendation) For Gold, you may chose HDFC Gold ETF. For this you might need a demat account. in case you dont have a demat account, I would recommend HDFC Gold Fund instead od ETF. &nbsp;</li></ul>

for-mr-manish-expertneed-to-choose-4-mfundand-1-gold-fund-from-below4-m-funds-from-9-choice1-gold-etf-from-2-choiceaxis-blue-chip-fundhdfc-sensex-index-funduti-nifty-index-fundcanara-robeco-blue-chip-equitykotak-bluechip-fundsbi-bluechip-fundtata-large-and-midcap-fundaxis-bluechip-fundidfc-nifty-index-fundhdfc-gold-etfuti-gold-etfany-other-special-comment-or-recommendation

Should people who don’t have  knowledge about the share market invest in mid cap funds ?

Allocation to midcap funds depends on a few things that are listed below:<ol><li>Investment horizon</li><li>Risk apetite</li><li>Return Expectations and</li><li>Valuations</li><li>Goals</li></ol>&nbsp;You may consider these, before deciding your allocation to midcap funds.&nbsp;However in absence of the above information, lets assume that you invest for long term 5-10 years plus and have fair understanding of equity markets and a fair bit of risk apetite. With this in mind, you may look at a 40-40-20 allocation towards Large-mid-small cap funds.I would request you to share the above information to give you a more specific advice.

how-much-money-should-go-in-mid-cap-funds-if-i-am-allocating-to-equity-funds-currently-

ETFs and mutual funds both pool the investment from different investors and invest that collected amount in different asset classes as per the investment objective of the scheme. ETFs are generally a basket of securities that replicate the performance of a pool of assets, index, or commodity. The major difference between ETFs and mutual funds is that the ETFs mostly are passively managed schemes while mutual funds are managed actively with the objective to beat benchmark indices. However, there are index funds in mutual funds which simply track the performance of a market index with the objective to deliver similar returns.&nbsp;<a href="https://zfunds.in/m/exchange-traded-funds-etfs">ETFs</a> can be a good option for investment. They involve low fees &amp; costs because it doesn’t involve active management. ETFs are highly liquid and are traded on an exchange just like shares and therefore can be anytime purchased or sold at any time during market hours. But to invest in the ETFs, an investor must have a Demat account. However, in mutual funds, it is not mandatory to have a Demat account. Investors who don’t have a Demat can consider investing in index funds which are also low-cost alternatives for investing in passive strategy.To know more about ETFs, <a href="https://zfunds.in/m/exchange-traded-funds-etfs">click here</a> to read our article. To compare ETFs with mutual funds, <a href="https://zfunds.in/m/etf-vs-mutual-funds">click here</a> to read our article on the comparison of both.

is-etf-a-good-investment-what-is-difference-between-etf-mutual-funds

In India, we will observe that owning a house is the utmost priority for the people and the reason is maybe the sense of safety or some kind of accomplishment. People are taking huge loans with longer maturities to buy a house for living and the sad part is that they spend the rest of their life paying EMIs of that loan. So, in this article, we will discuss whether you should buy or rent a house?We will understand this with a very simple example of two neighbours, Geeta and Babita. Both live in Shahadra (Delhi) but Geeta lives in her own house which she purchased last month by taking home loan whereas Babita lives in a similar house but on rent.Now, let’s assume-<ul><li>Price of the property (avg price for 3 BHK in Shahadra, Delhi) = ₹ 1.5 Cr</li><li>Rent of the property (avg rent for 3 BHK in Shahadra, Delhi) = ₹ 50,000/month</li><li>Loan Term Assumed - 20 Years</li><li>Interest on Loan = 8.4%</li></ul><figure class="image"><img src="https://lh4.googleusercontent.com/xBikBZm2Z04A5oMFObpcT8L2v81niGyGQWVWHLj9Q14LkkdrFmu0iLriUErwn-7VkWkfUyqxwmGk8Zeiw4Y8uDMee1fCB0wL2c4g_WY5Tqcgw4MhSod-Zwkme4fTRSF_JrC0L3k" alt="http://zfunds.in/wp-content/uploads/2019/08/homeloan-rates.jpg"></figure>The monthly EMI that Geeta has to pay for the next 20 years is ₹1,29,226, totalling to ₹3.1 Crore at the end of the tenure. This totalled amount includes ₹1.5 Crore of principal amount and ₹1.6 Crore of interest amount as shown below. You can also observe that her total interest payment is more than the actual principal amount. In simple terms, Geeta owns her house but at the same time has debt on her for the next 20 years.&nbsp;<figure class="image"><img src="https://lh4.googleusercontent.com/kY83M4AvVz863RWYxj0Xe2XFTp-0upe7abYDhSMw6GTHudFmJKKzWwalL0s5WIilLGi2_cAgN6oYE-PvDiZV-gtV0DZN2bK6Qzf59BkuvKUcxKADCpFTkqWblW5J-TIBoTk59RQ" alt="http://zfunds.in/wp-content/uploads/2019/08/hdfc.jpg"></figure>Source - HDFC&nbsp;On the other hand, After paying the rent of ₹50,000, Babita has left with ₹79,226 (1,29,226 - 50,000) extra each month, comparing to Geeta’s EMI. Babita decides to invest this excess amount in a good mutual fund as SIP. Historically the 20 years average return for a good mutual fund has been 15% p.a.but for safer side let’s consider the expected return to be 12% p.a. (Average returns for last 20 Years of a good mutual fund are 15% on an average, Source - <a href="https://www.valueresearchonline.com/funds/fundselector/default.asp?pg=sipreturns">https://www.valueresearchonline.com/funds/fundselector/default.asp?pg=sipreturns</a>)<figure class="image"><img src="https://lh6.googleusercontent.com/cTY4rznI6fNJRdRHN780jhJpuO0hBeirQPHdPwJclV32xSnpU04cRVOBFluzxhZK0R4Zvru343QM3dcROeRnaVXHGa67tsv2w4VzpbMC36iCWcuLGD7VMqhpLLEtzZ-JF3e41xs" alt="SIP Calculator"></figure><ol><li>Babita’s total Investment will be ₹&nbsp;1.9 Cr</li><li>The future value of Babita’s SIP investment will be ₹&nbsp;7.84 Cr</li></ol>Conclusion - So, at the end of 20 years, Geeta will own a house without any debt whereas Babita will have ₹&nbsp;7.84 Cr approximately, from which she can buy anything including a house of her own.Why Babita’s living in a rented house and investing her money in SIP makes more sense?<ul><li>Babita has not locked her money in a property and therefore she can redeem her money, whenever required or immediately in case of any emergency.&nbsp;</li></ul>Conclusion - Investing in a property is like owning a fixed tangible asset, but it is extremely difficult to sell such an asset in a very short period at a reasonable price, whereas selling you units in a mutual fund is a very quick process (Some mutual funds may involve exit load if redeemed before 1 year).&nbsp;<ul><li>Babita doesn't have any kind of debt on her. So even if she loses her job in the future, there is not much to worry. In fact, she will have the capital that she has invested to handle that situation.</li></ul>Conclusion - Buying a house involves a very large amount of investment, and therefore it is very common to take a loan to buy a house. But repaying that amount with interest becomes a lifetime process, people spend around 1/3 of their life in paying those EMI.<ul><li>Since Babita doesn't own the house, she saves a lot of cost on managing the property and property taxes.</li></ul>Conclusion - When you buy a property, it doesn't just involve one-time buying cost but also regular maintenance charges, securities charges, property taxes, etc. which have to be borne by you.<ul><li>Investing in SIP and not buying her house helped Babita in diversifying her investment.&nbsp;</li><li>&nbsp;</li></ul><blockquote>Conclusion - Investing in your money in mutual funds / Stock Market can help you in diversifying your investment into different sectors and stocks. In fact, you did not even invest in a property, but you can still take exposure to real estate and related sector, by investing in a mutual fund of that particular sector or by buying stocks of Real estate companies, cement or tiles companies, Housing loan companies, etc. You can also buy units of REITs.&nbsp;</blockquote>&nbsp;Some people might disagree with the above and will ask about the profits from the price appreciation of those properties.&nbsp;Well if look at the graph below, you'll observe that the growth in housing prices is falling from last 8 years and is currently at 5.3%. Therefore we have not experienced much of a price appreciation in recent years. Earlier the reason was Demonetisation and currently, the reasons are defaults by companies like ILFS and DHFL. These defaults have caused liquidity crunch in our economy and have put a question mark on the entire Non-Banking Finance Industry, who plays an important role in the demands of housing properties by providing loans. Another industry which is important for the housing demands are Banks, who are also going through a very stressed scenario with rising NPAs.<figure class="image"><img src="https://lh3.googleusercontent.com/zgAfoQas_nH13_ZK51u_BmiXFbJjE9yWOz5ivmpC5Hk9RP9ObMT5Oaj5P06RL0t721DZRkLBgTBZkoucotAzfviWfbJcTQc7WAmf1Yj6GP4GFNaFSio0oygg3CqkrUQYOvxr0Dc" alt="Housing Price Index"></figure>Source - RBI&nbsp;Overall the scenario is not so positive for the housing properties and high price appreciations of properties are not expected in the near future. So, does it mean no one should buy property at all? Not Exactly!When does it make sense to buy a house?<ol><li>While some people have a dream to buy their own house, some want to buy it as a sense of satisfaction or security. If that is the reason then you can go ahead and buy one.</li><li>People who already have a lot of exposure to equity and debt market can also buy properties as an alternative source of investment and to further diversify their portfolio. But then also, they can invest in REITs which comparatively provides more liquidity.&nbsp;</li><li>Paying interest on loans provides income tax deduction up to a maximum of Rs 2 lakh under Section 24. Moreover, when you repay the principal amount, you can claim a deduction for up to Rs. 1,50,000 within the overall limit of Section 80C (Check the principal repayment amount with your lender or look at your loan installment details). Hence if your benefits from such deductions are significant then you can consider buying a house for yourself. Also, do consider the rental income you’ll earn will be added to your overall income for income tax calculation.</li><li>If you are in need of constant money, maybe because of retirement then you can consider buying properties for regular rental income. But before that, do compare your rental returns with AAA bonds or Government bonds return and invest wisely.</li></ol>

In India, we will observe that owning a house is the utmost priority for the people and the reason is maybe the sense of safety or some kind of accomplishment. People are taking huge loans with longer maturities to buy a house for living and the sad part is that they spend the rest of their life paying EMIs of that loan. So, in this article, we will discuss whether you should buy or rent a house?We will understand this with a very simple example of two neighbours, Geeta and Babita. Both live in Shahadra (Delhi) but Geeta lives in her own house which she purchased last month by taking home loan whereas Babita lives in a similar house but on rent.Now, let’s assume-<ul><li>Price of the property (avg price for 3 BHK in Shahadra, Delhi) = ₹ 1.5 Cr</li><li>Rent of the property (avg rent for 3 BHK in Shahadra, Delhi) = ₹ 50,000/month</li><li>Loan Term Assumed - 20 Years</li><li>Interest on Loan = 8.4%</li></ul><figure class="image"><img src="https://lh4.googleusercontent.com/xBikBZm2Z04A5oMFObpcT8L2v81niGyGQWVWHLj9Q14LkkdrFmu0iLriUErwn-7VkWkfUyqxwmGk8Zeiw4Y8uDMee1fCB0wL2c4g_WY5Tqcgw4MhSod-Zwkme4fTRSF_JrC0L3k" alt="http://zfunds.in/wp-content/uploads/2019/08/homeloan-rates.jpg"></figure>The monthly EMI that Geeta has to pay for the next 20 years is ₹1,29,226, totalling to ₹3.1 Crore at the end of the tenure. This totalled amount includes ₹1.5 Crore of principal amount and ₹1.6 Crore of interest amount as shown below. You can also observe that her total interest payment is more than the actual principal amount. In simple terms, Geeta owns her house but at the same time has debt on her for the next 20 years.&nbsp;<figure class="image"><img src="https://lh4.googleusercontent.com/kY83M4AvVz863RWYxj0Xe2XFTp-0upe7abYDhSMw6GTHudFmJKKzWwalL0s5WIilLGi2_cAgN6oYE-PvDiZV-gtV0DZN2bK6Qzf59BkuvKUcxKADCpFTkqWblW5J-TIBoTk59RQ" alt="http://zfunds.in/wp-content/uploads/2019/08/hdfc.jpg"></figure>Source - HDFC&nbsp;On the other hand, After paying the rent of ₹50,000, Babita has left with ₹79,226 (1,29,226 - 50,000) extra each month, comparing to Geeta’s EMI. Babita decides to invest this excess amount in a good mutual fund as SIP. Historically the 20 years average return for a good mutual fund has been 15% p.a.but for safer side let’s consider the expected return to be 12% p.a. (Average returns for last 20 Years of a good mutual fund are 15% on an average, Source - <a href="https://www.valueresearchonline.com/funds/fundselector/default.asp?pg=sipreturns">https://www.valueresearchonline.com/funds/fundselector/default.asp?pg=sipreturns</a>)<figure class="image"><img src="https://lh6.googleusercontent.com/cTY4rznI6fNJRdRHN780jhJpuO0hBeirQPHdPwJclV32xSnpU04cRVOBFluzxhZK0R4Zvru343QM3dcROeRnaVXHGa67tsv2w4VzpbMC36iCWcuLGD7VMqhpLLEtzZ-JF3e41xs" alt="SIP Calculator"></figure><ol><li>Babita’s total Investment will be ₹&nbsp;1.9 Cr</li><li>The future value of Babita’s SIP investment will be ₹&nbsp;7.84 Cr</li></ol>Conclusion - So, at the end of 20 years, Geeta will own a house without any debt whereas Babita will have ₹&nbsp;7.84 Cr approximately, from which she can buy anything including a house of her own.Why Babita’s living in a rented house and investing her money in SIP makes more sense?<ul><li>Babita has not locked her money in a property and therefore she can redeem her money, whenever required or immediately in case of any emergency.&nbsp;</li></ul>Conclusion - Investing in a property is like owning a fixed tangible asset, but it is extremely difficult to sell such an asset in a very short period at a reasonable price, whereas selling you units in a mutual fund is a very quick process (Some mutual funds may involve exit load if redeemed before 1 year).&nbsp;<ul><li>Babita doesn't have any kind of debt on her. So even if she loses her job in the future, there is not much to worry. In fact, she will have the capital that she has invested to handle that situation.</li></ul>Conclusion - Buying a house involves a very large amount of investment, and therefore it is very common to take a loan to buy a house. But repaying that amount with interest becomes a lifetime process, people spend around 1/3 of their life in paying those EMI.<ul><li>Since Babita doesn't own the house, she saves a lot of cost on managing the property and property taxes.</li></ul>Conclusion - When you buy a property, it doesn't just involve one-time buying cost but also regular maintenance charges, securities charges, property taxes, etc. which have to be borne by you.<ul><li>Investing in SIP and not buying her house helped Babita in diversifying her investment.&nbsp;</li></ul>Conclusion - Investing in your money in mutual funds / Stock Market can help you in diversifying your investment into different sectors and stocks. In fact, you did not even invest in a property, but you can still take exposure to real estate and related sector, by investing in a mutual fund of that particular sector or by buying stocks of Real estate companies, cement or tiles companies, Housing loan companies, etc. You can also buy units of REITs.&nbsp;Some people might disagree with the above and will ask about the profits from the price appreciation of those properties.&nbsp;Well if look at the graph below, you'll observe that the growth in housing prices is falling from last 8 years and is currently at 5.3%. Therefore we have not experienced much of a price appreciation in recent years. Earlier the reason was Demonetisation and currently, the reasons are defaults by companies like ILFS and DHFL. These defaults have caused liquidity crunch in our economy and have put a question mark on the entire Non-Banking Finance Industry, who plays an important role in the demands of housing properties by providing loans. Another industry which is important for the housing demands are Banks, who are also going through a very stressed scenario with rising NPAs.<figure class="image"><img src="https://lh3.googleusercontent.com/zgAfoQas_nH13_ZK51u_BmiXFbJjE9yWOz5ivmpC5Hk9RP9ObMT5Oaj5P06RL0t721DZRkLBgTBZkoucotAzfviWfbJcTQc7WAmf1Yj6GP4GFNaFSio0oygg3CqkrUQYOvxr0Dc" alt="Housing Price Index"></figure>Source - RBI&nbsp;Overall the scenario is not so positive for the housing properties and high price appreciations of properties are not expected in the near future. So, does it mean no one should buy property at all? Not Exactly!When does it make sense to buy a house?<ol><li>While some people have a dream to buy their own house, some want to buy it as a sense of satisfaction or security. If that is the reason then you can go ahead and buy one.</li><li>People who already have a lot of exposure to equity and debt market can also buy properties as an alternative source of investment and to further diversify their portfolio. But then also, they can invest in REITs which comparatively provides more liquidity.&nbsp;</li><li>Paying interest on loans provides income tax deduction up to a maximum of Rs 2 lakh under Section 24. Moreover, when you repay the principal amount, you can claim a deduction for up to Rs. 1,50,000 within the overall limit of Section 80C (Check the principal repayment amount with your lender or look at your loan installment details). Hence if your benefits from such deductions are significant then you can consider buying a house for yourself. Also, do consider the rental income you’ll earn will be added to your overall income for income tax calculation.</li><li>If you are in need of constant money, maybe because of retirement then you can consider buying properties for regular rental income. But before that, do compare your rental returns with AAA bonds or Government bonds return and invest wisely.</li></ol>

should-you-buy-or-rent-a-house-what-makes-more-sense-financially-some-people-these-days-are-saying-that-the-real-estate-sector-will-not-grow-as-a-sector

In this video we explain in simple steps how to construct your clients portfolio. We cover the basics of asset allocation, fund selection and tracking the portfolio.&nbsp;

In this video we explain in simple steps how to construct your clients portfolio. We cover the basics of asset allocation, fund selection and tracking the portfolio. 

Thinking about Mutual Funds? Learn how to make your Portfolio

thinking-about-mutual-funds-learn-how-to-make-your-portfolio

If you think that you don’t need to track your mutual funds after investing, think again. In this video we discuss why it is important to track mutual funds after you have invested in them and more importantly how to go about it. Although mutual funds are highly regulated and most often drastic changes are not seen within a short time, but its important to note that it is YOUR MONEY and YOU NEED TO TAKE CARE OF IT

If you think that you don’t need to track your mutual funds after investing, think again. In this video we discuss why it is important to track mutual funds after you have invested in them and more importantly how to go about it. Although mutual funds are highly regulated and most often drastic changes are not seen within a short time, but its important to note that it is YOUR MONEY and YOU NEED TO TAKE CARE OF IT

What to do after you have invested in Mutual Funds

how-to-track-your-mutual-funds

How to track your Mutual Funds

Thanks for sharing such an intellectual view.

&nbsp;Mutual funds sahi hai ki ads ne har jaga kafi logo ko motivate kiya hai ki vo bhi mutual funds me invest karen. But sath me ye bhi kehte hain ki mutual funds me bazaar ka risk hai. To mutual funds sahi kaise hai? Kya mutual funds bas tabhi sahi hai jab bazaar sahi hai? Sach ye hai ki mutual funds sabke liye sahi ho sakta hai agar aap in 3 galtiyon ko avoid karen

Did you invest in Mutual Funds and lose money? Are your investments giving negative returns? Take care of these 3 things to make positive returns on your investments

Top 3 Mistakes that lead to loss in Mutual Fund Investments-Video

mutual-funds-me-loss-ho-gaya-

Mutual Funds me Loss ho gaya? 

In this video we list the various risks involved in debt mutual funds. We speak about credit risk, interest rate risk, concentration risk &amp; liquidity risk. With the help of examples of crisis in DHFL, IL&amp;FS and Vodafone you will be able to understand the risks involved while investing in debt funds. &nbsp;We have also explained the kind of filters, checks and research an investor could follow to be able to avoid losses in debt mutual funds. The Vodafone and DHFL debt crisis amount to sudden collapses in the NAVs of debt funds, and hence it is essential to understand and mitigate the risks prior to investing.

how-to-avoid-risk-in-debt-mutual-funds

How to avoid risk in Debt Mutual Funds

How do I know what all products does my advisor offer 

Selecting the right Investment Advisor can be a challenging task. Most people will ask their relatives or friends for investment advice. But is the best way to go about finding the right investment advice? Probably no. &nbsp;So what are the things to look into while selecting the best investment advisor &nbsp;for you?<ol><li>Qualifications and certifications : All Mutual Fund Advisors are required to have an AMFI certification.</li><li>Product Offering : Make sure that the advisor you select has a wide range of product offering. Equities, Bonds, Mutual Funds, FDs etc</li><li>Referall: The easiest way to find a good advisor is via referral.</li></ol>Must Read: <a href="https://zfunds.in/m/become-mutual-fund-advisor">Process to Become Mutual Fund Advisor</a>

How will you select an Investment advisor who can help you select the right mutual funds?

How to choose a good investment Advisor?

how-to-select-your-mutual-fund-advisor

How to select your Mutual Fund Advisor?

Tax saving funds are giving -25% returns. Are there any other options for tax saving right now that will ensure that my money doesn’t go too negative ? 

In this video we discuss various options available for investment for saving tax under section 80C. It showcases the advantages of investing in Equity Linked Saving Scheme (ELSS) – a mutual fund scheme that along with its tax saving benefit offers a high growth option.&nbsp; &nbsp;

In this video we discuss various options available for investment for saving tax under section 80C. It showcases the advantages of investing in Equity Linked Saving Scheme (ELSS) – a mutual fund scheme that along with its tax saving benefit offers a high growth option.

Tax Saving 2019 made easy  - Video

tax-saving-2019-made-easy-

Tax Saving 2019 made easy 

What is SIP and Lumpsum? Which will give you more profit or returns. SIP or Lumpsum? &nbsp;These are some very common questions that investors ask. This video will help you understand which is better SIP or Lump sum and what should you choose for maximum returnsKuch log aapse kehte hain ki equities mein paisa aapko jaldi se jaldi laga dena chahiye. While some say that you should invest periodically to avoid the volatility. So which method is truly better?pehle aaiye samajhte hain ki yeh dono hain kya.Maan lijiye aap har mahine apni income mein se kuch paise bachate hain. Aap iss income ko jama karte rehte hain. Jab aapko lagta hai ki ab equities mein invest karne ka samay sahih ai toh aap apne investment amount ko ek saath equity mutual funds mein invest kar dete hain. Isse kehte hain lump sum investment.Doosri oar aapke paas option hai to invest a portion of your monthly savings on a periodic basis. This could be weekly, monthly, quarterly or any other period as you may decide. Iss regular investment ko SIP kaha jaata hai.

sip-vs-lumpsum-kaunsa-better-hai

SIP vs Lumpsum kaunsa better hai

In this video we will see what an index fund is and how it is managed. It will give the viewer a complete understanding of the advantages and disadvantages of investing in Index Funds. The process of investing in index funds is also explained. It has been observed that in certain categories the index funds perform better than active funds. Which are these categories and is it truly better to invest in index funds rather than in actively managed funds?

In this video we will see what an index fund is and how it is managed. It will give the viewer a complete understanding of the advantages and disadvantages of investing in Index Funds. The process of investing in index funds is also explained. 

What are Index Funds - Benefits and more - Video

what-are-index-funds---benefits-and-more

What are Index Funds - Benefits and more

In India one of the most wealthy communities are baniyas. They are well known for their money management skills and making amazing investmentment decisions. &nbsp;Some of the most famous baniyas, who have made it big in the business world are people like Mukesh Ambani and Lakshi Miittal. They have upheld the economy of India and help it grow substantially. &nbsp;Here are some of the tips and tricks that they use to grow and manage their money.&nbsp;

-hacks-that-baniyas-use-to-become-rich

8 Hacks That Baniyas Use to Become Rich

किसी भी तरह के निवेश में, खासकर की म्युचुअल फंड में रिस्क के बारे में समझना और अपने निवेशकों को समझाना, बोहोत ज़रूरी होता है। हम देखते हैं की हमारे निवेशक कभी पुराने रिटर्न्स देख कर ज़्यादा रिस्क लेलेते हैं या फिर बाजार में उतार चढ़ाव के कारण इक्विटी से दूर भागते हैं। इस वीडियो में हम बताएँगे की कैसे आप सही रिस्क अपने निवेशकों को समझा सकते हैं |&nbsp;

Understanding Risks in investments is important so that we can evaluate how make better decisions while investing. With easy language with no finance terms used

What does risk mean in Mutual Funds? How to explain it to someone? - Hindi

म्युचुअल-फंड्स-में-रिस्क-निवेशकों-को-कैसे-समझाएं-

म्युचुअल फंड्स में रिस्क निवेशकों को कैसे समझाएं 

Most investors don’t realize that money kept in the savings account is losing value over time. Due to inflation and tax, the returns from savings accounts turn negative. In this video we have explained the effects of inflation and tax on returns. We have also discussed investment options such as PPF, LIC and mutual funds, that are expected to beat returns from savings accounts both in terms of inflation and taxes.

how-does-inflation-affect-your-money

How does Inflation affect your money

Hi Manish you are saying all these thing right then why you only provide one Product that is Mutual fund not Equity and other also 

अपना म्युचुअल फण्ड एडवाइजर चुनने से पहले ये 5 सवाल ज़रूर करें। म्युचुअल फंड्स में सही फण्ड चुनने जितना ही ज़रूरी है एक सही म्युचुअल फण्ड एडवाइजर चुनना। कैसे चुने अपना एडवाइजर ? जैसे सिर्फ बाजार से दवाई खरीद लेना काफी नहीं होता, डॉक्टर की सलाह लेना भी ज़रूरी होता है, उसी तरह बिना एडवाइजर की सलाह लिया म्युचुअल फण्ड नहीं खरीदना चाहिए। 5 बातें जिनका ध्यान रखना चाहिए म्युचुअल फण्ड एडवाइजर चुनते समय।

म्युचुअल-फण्ड-एडवाइजर-से-ये-5-सवाल-ज़रूर-पूछें।-choose-the-right-mutual-fund-advisor---hindi

म्युचुअल फण्ड एडवाइजर से ये 5 सवाल ज़रूर पूछें। Choose the right mutual fund advisor - Hindi

Mutual fund market is never stable. It is always rising or falling. During the time of fall, every investor gets one question in mind, "What should I do now?"In this video, adviser Manish will explain what we should do when the Mutual fund market falls.

what-to-do-when-the-market-falls

What to do when the market falls

Do you think we should not look at past returns at all while investing in mutual funds

म्युचुअल फंड्स सही है के प्रमोशन ने हर जगह काफी लोगों को निवेश करने के लिए प्रेरित किया है। पर साथ ही यह भी कहते हैं की म्युचुअल फंड्स में बाज़ार का रिस्क है। तो क्या म्युचुअल फंड्स सही हैं? या म्युचुअल फंड्स तभी सही हैं जब बाज़ार सही है ? सच ये है की म्युचुअल फंड्स आपके लिए भी सही हो सकता है अगर आप यह 3 गलतियों से बचें।&nbsp;Mutual funds sahi hai ki ads ne har jaga kafi logo ko motivate kiya hai ki vo bhi mutual funds me invest karen. But sath me ye bhi kehte hain ki mutual funds me bazaar ka risk hai. To mutual funds sahi kaise hai? Kya mutual funds bas tabhi sahi hai jab bazaar sahi hai? Sach ye hai ki mutual funds sabke liye sahi ho sakta hai agar aap in 3 galtiyon ko avoid karen

Mutual Funds me paise lagaye aur loss ho gaya? 3 mistakes to avoid while investing in Mutual Funds - Hindi

Mutual Funds me loss se kaise bachen - Video

अगर-म्युचुअल-फंड्स-में-लोस्स-से-बचना-है-तो-इन-3-गलतियों-से-बचें।-avoid-loss-in-mutual-funds-hindi

अगर म्युचुअल फंड्स में लोस्स से बचना है, तो इन 3 गलतियों से बचें। Avoid loss in Mutual Funds Hindi

What to do if your mutual funds are not giving the right returns? Should you stop till you get good returns or should you withdraw your money from that fund?Why are the returns bad: 1. Due to change of fund manager 2 . Due to change in fund mandate 3. Due to under weight or over weight in a sector 4. Due to change in expense ratio 5. Due to new classification of SEBIIf only 2-3 months return is bad, then give it some time

under-performing-mutual-funds

Under performing Mutual Funds

Do you think we should not look at past returns at all while investing

म्युचुअल फंड्स में निवेश करना सही है, इसके विज्ञापन ने हर जगह काफी लोगों को म्युचुअल फंड्स में निवेश करने के लिए प्रेरित किया है। पर साथ ही यह भी कहाँ जाता हैं की म्युचुअल फंड्स में बाज़ार का रिस्क होता है। तो क्या म्युचुअल फंड्स में निवेश करना सही हैं? या म्युचुअल फंड्स तभी सही हैं जब बाज़ार सही है ? अगर वीडियो में बताई गई 3 गलतियों से बचा जाए तो म्यूचुअल फंड निवेश सभी के लिए अच्छा है |

Have you faced loss in Mutual funds in recent times? 3 mistakes to avoid while investing in Mutual Funds

Mutual Funds me loss avoid karen in Hindi

mutual-funds-me-loss-se-kaise-bachen

Mutual Funds me loss se kaise bachen?

Risk in Mutual Funds or any type of investments is very important for us to understand so that we can effectively communicate it to our clients. While investing we have often seen that clients get lured by past returns or afraid because of volatility of equity markets. In this video we will cover how to assess risk and explain it to our clients in an easy way.&nbsp;

What does risk mean in Mutual Funds? How to explain it to someone?

what-is-risk-in-mutual-funds-and-how-can-you-explain-it-to-your-clients

What is risk in Mutual Funds and how can you explain it to your clients?

In this video we discuss advantages of parking your surplus cash in liquid funds instead of leaving them idle in a bank savings account. We touch upon various benefits of investing in liquid funds including safety of investment, higher returns, instant redemption among others.

apne-bank-balance-pe--return-kaise-payein

Apne Bank Balance pe 6% return kaise payein?

अगर आपके म्युचुअल फंड्स बुरा रिटर्न दे रहें हैं तो क्या करें ? कब आपको अपने पैसे निकाल लेने चाहिए और कब आपको वेट करना चाहिए। आपके फंड्स का रिटर्न क्यों ख़राब है : अगर केवल २-३ महीने का रिटर्न ख़राब है तो उसे थोड़ा समय दीजिये 1. फण्ड मैनेजर चेंज होने के कारन 2. सेबी के नए 3. फण्ड का मैंडेट चनगे हो जाना 4. किसी सेक्टर में अंडर वेट या ओवर वेट होने के कारन 5. एक्सपेंस रेश्यो में बदलाव के कारन चेंज&nbsp; &nbsp;

म्युचुअल-फंड्स-से-पैसे-निकालना-कब-सही-है।-When-should-you-switch-your-mutual-funds---Hindi

म्युचुअल फंड्स से पैसे निकालना कब सही है। When should you switch your mutual funds - Hindi

How many mutual funds should we have in a portfolio? watch this video before you invest in the mutual funds and get the right guidance from advisor, Manish.Also Read: <a href="https://zfunds.in/m/become-mutual-fund-advisor">How to Become a Mutual Fund Advisor?</a>

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