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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? 

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

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?

Mutual Funds me loss hone se kaise bachen? Aur bhi bohot sare Videos aapki bhasha main on ZFunds

Sahi. Asaan. Personal Finance Made Easy

Aaj hum Bharat bond etf ke bare me charcha karenge aur janenge ki iske kya fayede hai. Bharat bond ne kaun kaun si companies me invest kiya jayega aur iski strategy kya hogi&nbsp; &nbsp;Read in English:&nbsp;<a href="https://zfunds.in/article/bharat-bond-etf">What is Bharat Bond ETF: Meaning, Benefits, Price, Interest Rate, 2020 Review</a>&nbsp;

Aaj hum Bharat bond etf ke bare me charcha karenge aur janenge ki iske kya fayede hai. Bharat bond ne kaun kaun si companies me invest kiya jayega aur iski strategy kya hogi.  

Bharat Bond ETF - Explained - Video

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Bharat Bond ETF - Explained

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

As of 5th March 2020, the RBI has put a limit of Rs. 50,000 on the amount of money an account holder can withdraw. At the same time the Government has instructed SBI to lead a consortium to purchase a portion of Yes Bank. In this video we have discussed the reasons that caused Yes Bank to get to this situation. Also, we have covered what can be expected by various stake holders such as customers, shareholders and mutual fund holders.

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What is the problem with Yes Bank

Very recently liquid funds gave negative returns. Liquid funds which are considered highly safe investment instruments losing value came as a bit of a shock for most investors and a lot of them could not understand why this was happening. In this video we have explained the main reasons for the fall in the NAVs of various liquid funds. These reasons included higher selling pressure on the bonds and deposit papers and lack of market makers and bond buyers. This illiquidity has caused the RBI to step in and take appropriate action. We have also tried to address queries like “are liquid funds not safe anymore?” and “What should I do if I am invested in a liquid fund?”

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Fall in Liquid Fund NAVs

In this video we review the Bharat Bond ETF in Hindi. By the end of this video you will find the answer to the most important question “Should I invest in the Bharat Bond ETF?” What is Bharat bond ETF? In December 2019, the first exchange traded bond fund was launched in India. This was the Bharat Bond ETF. The second series of the Bharat Bond ETF is available for NFO from 14th July to 17th July 2020. This is very-low risk, fixed maturity fund and is being offered in 2 maturities. The fund maturing in April 2025 is offering an interest rate of 5.65% and the one maturing in April 2031 is offering an interest rate of 6.64%. The fund will invest its assets only in AAA-rated papers of public sector companies. The expense ratio on the Bharat Bond ETF is 0.0005%. In case an investor does not have a demat account they can apply for a Fund of Fund or the Bharat Bond FoF which has an expense ratio of 0.0015%. Bharat Bond ETF is a good and safe investment option for investors looking to invest in very low risk debt funds for a fixed period of time.

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Bharat Bond ETF Explained – In Hindi

In this video we will cover the basics of bonds. Bonds, which are a fixed income instrument, return a fixed amount of money as interest on your invested amount. Through the example of a fictitious company R&amp;S Ltd., we explain the primary features of a bond and how the bond market works. We have explained features such as face value of a bond, bond maturity and interest rate or coupon rate. We have also covered the main reasons that the prices of bonds fluctuate. The 2 main reasons for the movement in the prices of bonds are: 1. Credit Risk – The probability of a company defaulting or going bankrupt. If the credit risk (which is generally determined by the rating given by a rating company) of a company increases, the price of the bond is expected to fall. 2. Interest Rates – As the interest rates in general rise in the economy, the prices of bonds start to fall.

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The Basics Of Bonds – Explained

There have been numerous discussions on whether one must invest in mutual funds or stocks. In this video we explain both the methods and enumerate the differences and pros and cons of mutual funds vs equity investment. We have included arguments on various factors to be considered while deciding between stock and mutual funds. These include factors such as risk return trade-off, time &amp; research required, tax benefits, and costs/fees involved in both methods.

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Investing in Mutual Funds vs Equity

There has been a sharp fall in the interest rate for the small saving schemes, such as the senior citizen saving scheme, post office time deposits and public provident fund, for the quarter starting April 2020. This has made these schemes less attractive than before. In such a situation a lot of investors were exploring the option of investing in the 7.75% Government of India Bonds. Unfortunately, these bonds were discontinued on 28th May 2020. Starting 1st July, the Government has introduced a floating rate bond, also known as the RBI FRSB. These bonds offer regular half yearly interest to investors.&nbsp;These floating rate bonds come with certain disadvantages:&nbsp;1. The tenure is 7 years and they cannot be sold earlier.&nbsp; 2. The interest is taxable at the tax slab&nbsp;However, one major advantage of these new RBI Bonds is that the rate, which is pegged at 0.35% higher than the interest on National Savings Certificates (NSC) changes every 6 months. This is expected to move along with inflation, thereby maintaining a close to consistent real rate of return. The RBI Savings Bonds are a good option for certain categories of investors. For example, for retired individuals who are looking for a regular income, or for someone looking to invest in very safe instruments for long period of times.

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NEW RBI Bonds 2020 explained Hindi | July 2020

A lot of investors have the question, where can I invest to get a regular income? Is there any scheme where I can get a monthly interest on my investment?&nbsp;In this video we answer questions related to the Post Office Monthly Income Scheme.&nbsp;1. What is the Post Office Monthly Scheme? – This is a 5-year maturity fixed income scheme that makes a monthly interest payout to the investor.&nbsp; 2. How can I open a Monthly Income Scheme account? – Any resident individual or minor under 10 years can open this account. It can be opened in any post office branch. Can be opened as a single account or joint by 3 holders.&nbsp; 3. What is the minimum investment? The minimum investment amount is Rs. 1000. For single accounts the maximum limit is Rs. 4.5 lakhs and for joint accounts Rs. 9 lakhs. For a minor’s account the maximum limit is Rs. 3 lakhs.&nbsp; 4. Is my investment in a post office scheme safe? This account is backed by the Government of India and hence it is considered as one of the safest investment options.&nbsp; 5. Can I withdraw my amount before maturity? Yes, but with penalties. &nbsp;6. Is there any tax benefit in monthly income scheme? There is no deduction available u/s 80C. Interest income is taxable as per tax slab. 7. What is the interest rate on Post Office Monthly Income Scheme? For the quarter starting July 2020, the rate is 6.60% pa payable monthly. &nbsp;8. Should I invest in the monthly income scheme? This account is suitable for risk-averse investors seeking regular income.

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Post Office Monthly Income Scheme | Post Office MIS Scheme 2020-Hindi

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

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How to track your Mutual Funds

In case you are a senior citizen or have a relative who is a senior citizen, this video is for you. In this video, we discuss one of the best investment products for the Senior Citizen Saving Scheme. Senior Citizen Saving Scheme video has been broadly divided into 4 parts. 1. Who can invest in this scheme? a. Any Indian citizen over the age of 60 b. Retired individuals over the age of 55 c. Retired defence personnel 2. Features of the scheme a. Account can be opened in any post-office or selected banks b. Joint accounts allowed c. Deposit – Min Rs. 1,000 &amp; Max Rs. 15,00,000 d. Tenure – 5 years with the option to extend 3 more years 3. Interest Rate – 7.40% for the quarter April 2020 payable quarterly 4. Taxation a. Rs. 1,50,000 can be deducted from taxable income under section 80C b. Interest income is taxed at the applicable tax rate c. TDS is deducted over Rs. 50,000 income We have also answered some frequently asked questions at the end of the video.

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Senior Citizen Saving Scheme in Hindi | SCSS Scheme- 2020

ICICI Balanced Advantage Fund 2020 In this video we have done a review of the ICICI Prudential Balanced Advantage Fund is a hybrid dynamic asset allocation fund. The fund invests at least 65% of its funds in equities or equity related investments. The maximum limit on equity investments is 100%, with a maximum unhedged exposure in equities at 80%. ICICI Prudential Balanced Advantage Fund decides its allocation in equities based on the Price to Book Value Ratio (P/BV). If the P/BV is high the exposure in equities is reduced and vice-versa. The equity portion is invested in large and mid cap shares and also in equity derivatives for hedging purposes.&nbsp;Following are the facts and figures of the ICICI Balanced Advantage Fund:&nbsp; 1. The Assets Under Management (AUM) of the fund as on 31st March 2020 was Rs. 22,489 Crores. 2. The expense ratio was at 1.75%&nbsp; 3. NAV as on 31st March – Rs. 30.57&nbsp; 4. Minimum Investment permitted – Rs. 500&nbsp; 5. SIP/STP/SWP are allowed&nbsp; 6. Exit Load – 1% for units more than 10% in the first year. Nil after 1 year of purchase. The fund is taxed as an equity mutual fund.&nbsp;To know more about taxes on mutual funds, please watch https://www.youtube.com/watch?v=RZDlswFBbJE&amp;t=92s

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ICICI Balanced Advantage Fund 2020

In this video we have reviewed the Axis Midcap Fund 2020. The Axis Midcap Fund has been one of the most consistent performers till July 2020. The fund has a total AUM of Rs. 5,511 crores as on 30th June 2020. The expense ratio for a regular fund is 2.05%. The fund NAV was at Rs. 37.53. The fund was incepted in February 2011. It has delivered a return of 15.36% since inception. The 1 year returns for Axis Midcap Fund are at 10.61%, while the 5-year returns are at 7.30%. Minimum investment amount in case of a lumpsum is Rs. 5,000. For SIP investments the minimum amount is Rs. 500. There is no maximum limit on the investment. There is an exit load on redemption of units in the 1st year. The exit load is 1% for more than 10% of the units sold. There is no load on units sold after 1 year. Axis Midcap Fund is suitable for investors who have a high risk appetite and are looking to invest for the long term.

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Axis Midcap Fund Review 2020 in Hindi

Franklin Templeton shut down 6 of its debt funds on 23rd April 2020. 1. Franklin India Credit Risk Fund 2. Franklin India Dynamic Accrual Fund 3. Franklin Income Opportunities Fund 4. Franklin India Low Duration Fund 5. Franklin India Short Term Income Plan 6. Franklin Ultra Short Bond Fund This decision was triggered due to the recent liquidity pressure in the credit markets. The Covid-19 pandemic caused a lot of redemption in these risky and short duration funds. In order to meet the redemptions, the AMC had to resort to borrowings and desperate sale of assets. In order to avoid further redemption pressure which could have led to lower NAVs, the fund house decided to close these 6 funds. Closing the funds implies that new investors will not be able to purchase units, existing investors will not be able to redeem units, and all SIP/STP/SWP stand cancelled. The current investors will be paid by the fund as and when proceeds are received against interest or asset sale. Other than credit risk and liquidity risk which we saw in these funds, debt funds also sometimes carry interest rate risk and concentration risk. TO understand these risks and how to mitigate them, investors should watch our video on how to avoid risks in debt funds. https://www.youtube.com/watch?v=2-aF8qw3BRA&amp;t=31s

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Why did Franklin Templeton shut down its debt funds?

We have heard many a times that shares, or equity is one of the best long-term investment options. However, a number of us are unaware of what this equity or shares are. Due to this we shy away from investing in this asset class. By way of a simple example in this video we have tried to explain the concept of equity. Taking the example of a company, we have enumerated the advantages that both the company and the investor get when shares are issued by the company and are bought by the investor. We have also explained the advantages of investing by way of equity mutual funds.

what-are-shares

What are Shares

Mirae Asset large cap fund is one of the top large cap equity funds. In this vide we have reviewed the investment strategy and features of the fund. This is an active fund, which aims to invest a majority portion of its total corpus in shares of companies with large market capitalization., i.e. in companies that fall in the top 100 rank in terms of market capitalization.&nbsp;Some of the facts of the Mirae Asset Largecap Fund are as follows:&nbsp;1. Total Assets Under Management (AUM) on 30th September 2020 – Rs. 18,450 crores&nbsp; 2. Expense Ratio – 1.65%&nbsp; 3. NAV of Mirae Asset Large Cap Fund on 30th September 2020 – Rs.51.44&nbsp; 4. Returns on Mirae Asset Largecap Fund a. 6 Months – 29.24% b. 1 Year – 3.91% c. 3 Years – 9.95% d. 10 Years – 11.74%&nbsp; 5. Minimum investment (Lumpsum) – Rs. 5,000&nbsp; 6. Minimum investment (SIP) – Rs. 1000&nbsp; 7. Maximum investment – No Limit&nbsp; 8. Exit Load – 1% if sold within 1 year&nbsp; 9. Exit Load – Nil if sold after 1 year&nbsp;The gains from the Mirae Asset Largecap Fund is taxed like equity. If units are sold within 1 year the gains are taxed at 15%. In case of sale after 1 year, gains are taxed at 10%. For more details about taxes on mutual funds, you may watch https://www.youtube.com/watch?v=RZDlswFBbJE&amp;t=223s This fund is suitable for high-risk investors and looking to invest in shares of large cap companies.

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Mirae Asset Large Cap Fund 2020 | Review in Hindi

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.

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How to avoid risk in Debt Mutual Funds

In this video we have explained the Post Office Recurring Deposit 2020 in Hindi. This is a Post office saving scheme.&nbsp;The following topics have been covered in the video:&nbsp; What is Post Office RD Plan 2020?&nbsp; How to open Post Office RD Account? What is the Post office RD scheme interest rate 2020?&nbsp; How a post office recurring deposit works?&nbsp; What is the rebate on advance in PO recurring deposit?&nbsp; What is the default penalty on PO recurring deposit?&nbsp; What is the minimum &amp; maximum permissible deposit in post office RD?&nbsp; What are the tax features in a Post Office RD?&nbsp; Is the deposit deductible under section 80C?&nbsp;We have also compared a Post Office RD with a Bank RD 2020 and discussed the pros &amp; cons of either.

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Post Office RD 2020 | Recurring Deposit

Axis Bluechip Fund Hindi, 2020 – One of the best performing large cap mutual funds is the Axis Bluechip Fund. This is an active fund, which aims to invest a majority portion of its total corpus in shares of companies with a large market capitalization., i.e. in the top 100 in terms of market capitalization.&nbsp;Some of the facts of the Axis Bluechip Fund are as follows:&nbsp; 1. Total Assets Under Management (AUM) on 31st March 2020 – Rs. 17,827 crores&nbsp; 2. Expense Ratio – 1.70%&nbsp; 3. NAV of Axis Bluechip Fund on 30th September 2020 – Rs. 30.71&nbsp; 4. Returns on Axis Bluechip Fund a. 6 Months – 24.16% b. 1 Year - 0.68% c. 3 Years – 9.47% d. 10 Years – 9.84%&nbsp; 5. Minimum investment (Lumpsum) – Rs. 5,000&nbsp; 6. Minimum investment (SIP) – Rs. 1,000&nbsp; 7. Maximum investment – No Limit&nbsp; 8. Exit Load – 1% on first 10% units if sold within 1 year&nbsp; 9. Exit Load – Nil if sold after 1 year The gains from the Axis Bluechip Fund is taxed like equity.&nbsp;If units are sold within 1 year the gains are taxed at 15%. In case of sale after 1 year, gains are taxed at 10%. For more details about taxes on mutual funds, you may watch https://www.youtube.com/watch?v=RZDlswFBbJE&amp;t=223s This fund is suitable for an investor with a moderate risk profile and looking to invest in shares of large cap companies.

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Axis Bluechip Fund 2020 | Review in Hindi | Axis Bluechip Fund 2020

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

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Tax Saving 2019 made easy 

The markets have lost over 35% due to the coronavirus pandemic. World over there has been a lot of panic in stock markets. In such a scenario is it prudent to start or continue SIP investments in equity funds? In this video we have analysed returns from SIPs that may have been started during two previous major crashes in the Indian economy – The dot-com bubble in 2000-2001 and the US Financial crisis in 2008. The numbers show that the best time to start an SIP is probably somewhere during the crash, and it is not the best if someone can time the market bottom. For the 2000 crash, if the investor was to start his SIP when the market had lost 40% from the top, the investor would make 22% returns in 10 years. Similarly, an SIP started when the markets had fallen 20% from the top during the 2008 crash would have fetched the investor a return of 11.9% per year.

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Should I start a SIP during this crash

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.

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SIP vs Lumpsum kaunsa better hai

The Ministry of Finance has announced new rates on small savings schemes for the quarter April to June 2020. These rates have seen a major cut from their previous levels. Interest on some schemes such as the 1-3-year term deposit and the 5-year recurring deposit have been cut by 1.40% each. Even for Senior Citizen Savings Scheme the rate has been reduced by 1.20%. This would imply an interest income of Rs. 3,000 less per quarter on a deposit of Rs. 10 Lakhs. Unfortunately, this is coming at a time when the coronavirus pandemic is hitting people hard.The reason for this swift drop was the cut in the Repo rate by RBI and hence the drop in the yields of government securities. This caused a mismatch between interest rates of the bank FDs and the savings schemes.What should you do as an investor? If you are relying on the interest for your regular income, there isn’t much of an option as these are probably still amongst the best available rates. However, if you are invested in these schemes for diversification, you could look at hybrid or equity mutual funds.

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Fall in Small Savings Scheme Interest Rates

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;

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8 Hacks That Baniyas Use to Become Rich

In this video we review 2 of the best short-term debt funds, ICICI Short Term Debt Fund and HDFC Short Term Debt Fund. Both these funds are the best funds for short term needs. Short term debt funds invest in assets with maturities of up to 3 years, and in government securities (sovereign bonds) or high-quality corporate bonds. The credit risk on this category of debt mutual funds is usually very low.&nbsp;The comparisons of ICICI Short Term Debt Fund and HDFC Short Term Debt Fund are as given below:&nbsp; 1. Assets Under Management (AUM) - HDFC Rs. 13,569 Crores vs ICICI Rs. 18,946 Crores&nbsp; 2. Expense Ratios – HDFC 0.74% vs ICICI 1.16% 3.&nbsp; 3 Year Returns – HDFC 8.64% vs ICICI 7.93%&nbsp; 4. Net Yield to Maturity (YTM) – HDFC 5.48% vs ICICI 4.67%&nbsp; 5. Asset Quality (in AA or below) – HDFC 14% vs ICICI 15% 6. Modified Duration – HDFC 2.77 vs ICICI 2.79&nbsp; 7. Minimum Lumspsum investment – Rs. 5,000 in case of both funds&nbsp; 8. Minimum SIP investment – HDFC Rs. 500 vs ICICI Rs. 1,000&nbsp; 9. Tax on Gains – Short term capital gains as per tax bracket.&nbsp;Long term capital gains at 20% with benefit of indexation.&nbsp; &nbsp;

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Best Short Term Debt Fund 2020 | Short Term Plans

Often, we hear investors asking the question “Can I take a loan from a bank to invest in mutual funds?”. In this video we have listed the risks and advantages of taking a loan to invest in mutual funds. &nbsp;Investors must be careful of risks such as &nbsp;1. Inflow-Outflow mismatch – the returns from mutual funds are not linear or guaranteed. However, EMI’s need to be paid regularly. This causes a mismatch.2. Debt trap – The above-mentioned mismatch causes the investors to refinance their loan, hence falling into a debt trap. &nbsp; On the flip side, there are certain advantages of taking loans to invest such as leveraging. However, only under certain conditions is the idea of taking a loan to invest justified for seasoned investors.

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Loan to Invest in Mutual Funds

ICICI Prudential has introduced a well packaged product the Freedom SIP. In this video we explain to you the process of investment and withdrawal in the SIP. Along with this we have discussed the benefits of investing in a product like Freedom SIP. The ICICI Prudential Freedom SIP makes your investments more disciplined and helps you to save for future goals. Freedom SIP is a good product for financial independence.

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SIP Ka 3x Monthly Pension

In this video we have reviewed the ICICI Prudential ESG Fund. The fund NFO is open for subscription from the 21st of September till the 5th of October. The ICICI Prudential ESG Fund will follow a sustainable investing or ESG investing strategy. Companies chosen for investment in the fund will be reviewed on non-financial parameters along with the financial and fundamental parameters. Each company will be given a composite ESG score on each of the parameters, i.e., Environmental Empathy, Social Responsibility and Corporate Governance. The stocks for inclusion in the fund will be selected form the Nifty 100 ESG Index, which includes top companies like Reliance Industries, HDFC Bank, Infosys, Asian paints, HUL, etc. The fund can also invest in foreign equities with a high ESG score. The Nifty 100 ESG index has generated a return of 9.30% vs a return of 7.80% for the Nifty 50 index over the previous 5 years.&nbsp;In this video we have also discussed:&nbsp; 1. Minimum Investment amounts in ICICI Prudential ESG Fund&nbsp; 2. Exit loads on ICICI Prudential ESG Fund&nbsp; 3. Applicable tax rates on ICICI Prudential ESG Fund&nbsp; 4. Suitability for investors of ICICI Prudential ESG Fund&nbsp; 5. Benefits of investing in ICICI Prudential ESG Fund&nbsp; &nbsp;

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ICICI Prudential ESG Fund NFO 2020 | Review in Hindi

One of the must haves in any mutual fund portfolio are large cap funds. Through an extensive research we bring for you the top 3 large cap funds 2020. These funds have been measured not only on their previous performance, but also forward-looking variables such as valuations and fund manager experience and strategies. The top 3 funds in the large cap funds space are: 1. Axis Bluechip Fund – With a fund size of Rs. 10,998 crores, this has been a consistent performer. Though the valuations seemed slightly stretched, the latest fall in the markets due to coronavirus have made the fund attractive again. 2. Mirae Asset Large Cap Fund – The fund was earlier categorized as a multi cap fund. It has been an outperformer since its inception. The fund has an asset base of Rs. 13,209 crores and an expense ratio of 1.65% which is the lowest amongst the top 3. 3. ICICI Prudential Bluechip Fund – Even though this Rs. 19,000 crore fund has not been a great performer, its attractive valuations bring it to our top 3

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Top Large Cap Mutual Funds 2020

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.

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How does Inflation affect your money

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.

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What to do when the market falls

Zfunds brings to you the financial news highlights for the week of 26th April to 1st May. In the week gone by: 1. RBI has made a special liquidity facility announcement of Rs. 50,000 crores for mutual funds. A liquidity crunch in the financial system because of the Covid-19 pandemic caused high redemption pressures in the debt fund space. Franklin had to close down 6 of its mutual funds (see video here https://www.youtube.com/watch?v=Slcnl8Z9jl0&amp;t=80s). This triggered RBI to take prompt action. 2. Reliance Industries announced its rights issue of Rs. 53000 crores – the largest ever in India. The shares have been priced at Rs. 1257, to be offered in the ratio of 1:15. 3. Government of India plans to issue tax-free bonds worth Rs. 10,000 crores. This is in order to meet the fiscal slippage because of the lower tax revenues in March and April. 4. Oil prices globally have rebound from the negative territory to $18 in the current week. This bought some cheer as it indicates a possible return to economic activity. 5. Sensex &amp; Nifty closed at 33717 and 9859, respectively. This is a 14% monthly gain – the highest ever since May 2009.

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Financial News This Week - 26th March to 1st May

This video explains in simple hindi what the Corona Kavach health insurance is. Who can apply for this policy? What are the benefits from Corona Kavach? IRDA has mandated all health &amp; general insurance companies to offer the Corona Kavach Policy. The idea of the policy is to cover treatment expenses of the policyholder in case of coronavirus diagnosis. The corona kavach policy is available in 3 different tenures – 3.5 months, 6.5 months &amp; 9.5 months. The tenure includes a waiting period of 15 days. One can purchase this policy for an individual or a family floater policy. Family floater policy covers the entire family under 1 policy. In this case one does not need to track &amp; maintain separate policies. Also, the premium is lower than purchasing separate policies. Sum insured in Corona Kavach Policy is between Rs. 50,000 and Rs. 5,00,000 in multiples of Rs. 50,000. Age limit for application is between 18 to 65 years.&nbsp;What are the benefits of a Corona Kavach Policy?&nbsp;• Covers hospital expenses&nbsp; • 15 days pre-hospitalization expense&nbsp; • 30 days post-hospitalization expense&nbsp; • Ambulance charges upto Rs. 2,000&nbsp; • 14 days home-care treatment expense is also covered&nbsp; • Optional daily cash benefit

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Corona Kavach Policy | In Hindi | Covid-19

Are you already using a credit card? Or are planning to apply for one and are worried about the pitfalls of using a credit card? In this video, we have started by explaining the difference between a credit card and a debit card.We have listed down the advantages of using a credit card:1. The credit offered on a credit card works like an interest free loan – You don’t pay when you spend, but only by the due date for the credit card2. Convenience – From the comfort of your home/office you can pay various utility bills and also streaming apps. You can also order grocery.3. Helpful during emergencies – You do not need to worry about arranging funds when there is an emergency. You can use your credit card and pay later.4. Limited fraud – Since credit cards are not linked to a bank account, the extent of fraud is limited to the credit limit on your card.There are some disadvantages or rather pitfalls of credit cards as well.1. High interest – Credit cards do work as interest free loans, but that is only so long as you do not exceed the due date of payment. In case of not paying on time, the interest charged on the balance amount can be as high as 35% to 40%.2. Credit score – CIBIL keeps a watch on all loans taken by individuals and assigns them a score based on their credit history. So, in case you do not pay your credit card bills on time, or are making partial payments, it will cause a fall in your credit score. The credit score assigned by CIBIL is used by banks and NBFCs to decide the future loans you may apply for.It is essential to keep 2 things in mind while using a credit card. Firstly, you must try to pay the total amount due on or before the due date. Secondly, the amount spend should be within your expense budget. Overspending on credit cards can lead to a lot of stress and financial problems.

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Credit Cards – Advantages & Disadvantages

ICICI Prudential Bluechip Fund Hindi, 2020- Amongst the largest and of the best mutual funds is the ICICI Prudential Bluechip Fund. This is an active fund, which aims to invest 80% of the total corpus in shares of companies with a large market capitalization., i.e. in the top 100 in terms of market capitalization. The funds strategy is to follow a benchmark hugging approach, which is stocks are diversified across sectors. Some of the facts of the ICICI Bluechip Fund are as follows: 1. Total Assets Under Management (AUM) on 31st March 2020 – Rs. 18,900 crores 2. Expense Ratio – 2.05% 3. NAV on 31st March 2020 – Rs. 31.79 4. NAV on 30th April – Rs. 36.23 5. Returns on ICICI Prudential Bluechip Fund a. 1 Year - -18.77% b. 3 Years – 0.10% c. 5 Years – 4.05% 6. Minimum investment – Rs. 100 7. Maximum investment – No Limit 8. Exit Load – 1% if sold within 1 year This ICICI Prudential Fund is taxed like equity. If units are sold within 1 year the gains are taxed at 15%. In case of sale after 1 year, gains are taxed at 10%. For more details about taxes on mutual funds, you may watch https://www.youtube.com/watch?v=RZDlswFBbJE. This fund is suitable for an investor with a moderate risk profile and looking to invest in shares of large cap companies.&nbsp;

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ICICI Prudential Bluechip Fund 2020 – Reviewed

In this video we have covered a very important aspect of Mutual Funds – Taxation. We have covered the applicability of tax on capital gains and dividends on both equity and non-equity-oriented schemes. He video also talks about the abolishment of the dividend distribution tax from financial year 2020-21 and the applicable tax rate on dividends from next year. Towards the end, we talk about the tax benefits under section 80C of investing in Equity Linked Savings Scheme or ELSS.

what-are-the-taxes-on-mutual-funds

What are the Taxes on Mutual Funds

The first step to any investment decision is to select the suitable asset class. We have discussed 5 most popular asset classes in this video – fixed income, equities, real estate, commodities and cash. The advantages and disadvantages of each of the asset classes is listed for the viewer to make a better-informed choice. The asset class chosen by someone for investment purposes depends primarily on the profile (risk, age, goals) of the investor.

which-asset-class-is-best-for-me

Which asset class is best for me

In this video we have reviewed the Aditya Birla Sun Life Tax Relief 96 fund. This is the ELSS fund from the house of ABSL. We are joined by the head of products for ABSL AMC, Mr. Abhishek Singhal.&nbsp;In this vide we discuss:&nbsp; 1. The importance of investing in an Equity Linked Saving Scheme. Tax deductions available under section 80C of the income tax act from ELSS Funds. 3-year lock-in for ELSS funds.&nbsp; 2. Investment Strategy for ABSL Tax Relief 96 fund. Investment across categories and sectors.&nbsp; 3. Stock selection process for ABSL Tax Relief 96 Fund.&nbsp; 4. Historical returns of the ABSL Tex Relief 96 fund. Expected returns from the fund.&nbsp; 5. Average holding of stocks in the fund. Multibaggers in ABSL Tax Relief 96 fund.&nbsp; 6. Market outlook and fund expectations in the medium to long term.

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Aditya Birla Sun Life Tax Relief 96 Fund 2020 | Review in Hindi with Mr. Abhishek Singhal

Kisan Credit Card was a scheme introduced by the government in 1999 to offer short term working capital loans to farmers. Some of the main features and benefits of kisan credit card are listed below.&nbsp;1. Along with short term requirements, farmers can also get long term loans for expenses such as equipment.&nbsp; 2. Term loans up to Rs. 3 lakhs against collateral and Rs. 1.6 lakhs without collaterals&nbsp; 3. Credit limit is decided by the bank depending on the requirements of the farmer&nbsp; 4. Kisan Credit Card interest rate varies between institutions, between 7-12%.&nbsp; 5. 3% rebate from government in case of timely repayments&nbsp; 6. Kisan Credit Card validity for 5 years with an option to extend for 3 years.&nbsp; 7. In case of failure to pay, unpaid amount is added to next statement at nominal interest charge.&nbsp; 8. Kisan Credit Card also provides an insurance cover of Rs. 50,000 against death and permanent disability and Rs. 25,000 against other risks.&nbsp;What is the eligibility for a Kisan Credit Card?&nbsp;1. Individual or joint borrower involved in farming activities&nbsp; 2. Individual owner who is also a cultivator&nbsp; 3. Tenant Farmers&nbsp; 4. Self Help Groups&nbsp;How to apply for a Kisan Credit Card? Kisan Credit Cards are issued by several bank authorized by the government. One can apply in any bank branch. The borrower needs to submit a filled Kisan Credit Card application form along with identity, address proof and photograph. Other than this the bank may need some documents to prove eligibility. Some banks permit online application. The card is delivered to borrower’s address in a few days after verification of documents.&nbsp;Latest updates on Kisan Credit Cards&nbsp;1. Government provided 2% subvention against all KCC loans&nbsp; 2. 3-month moratorium to kisan credit card holders.&nbsp; 3. 10% limit allowed to be used for household expenses.&nbsp; 4. 2 lakh crore concessional credit announced to counter effects of covid-19 pandemic&nbsp; 5. Now extended to fisheries and animal husbandry.

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Kisan Credit Card Scheme 2020

It is very important to review your financial status periodically to see if you are on track to meet your goals. In this video we have listed down some pointers which may work as a guiding tool for you to understand if your finances are on course. The following are the broad pointers1. High Surplus Cash2. Increasing Net Worth3. Frequent Small Loans4. Negative Real Rate of Return5. Planning for Emergencies6. Clarity on GoalsYour financial goals must have an amount, a timeline and an importance factor attached to it.

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Checklist For Your Current Financial Health

We all tend to commit some errors while taking decisions. A lot of these errors are because our mind has comprehended things in a certain way based on our experiences and attitude. In this video we discuss some of the biases that affect not only investors but advisors too. This video also gives tips on how such biases can be avoided during decision-making.

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Investment Biases – How to Think Logically

There has been a sharp fall in the interest rate for the small saving schemes, such as the senior citizen saving scheme, post office time deposits and public provident fund, for the quarter starting April 2020. This has made these schemes less attractive than before. In such a situation a lot of investors are looking at the option of investing in the 7.75% Government of India Bonds. Also known as the RBI 7.75% bonds, these bonds offer regular half yearly interest to investors. These fixed income bonds come with certain disadvantages: 1. The tenure is 7 years and they cannot be sold earlier. 2. The interest is taxable at the tax slab 3. Inflation reduces the post-tax real return to almost 0. The RBI Savings Bonds are however a good option for certain categories of investors. For example, for retired individuals who are looking for a regular income, or for someone looking to meet certain fixed expenses, the 7.75% GOI Bonds could be interesting.

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7.75% GOI Savings Bonds Explained

The coronavirus has been making headlines. It has now been categorized as a pandemic by the World Health Organization. Though most people are rightly concerned about the health implications, there are many worried that the pandemic will cause a recession. In this video we talk about the current situation and what to expect going ahead. We talk about the things to consider before making an investment decision.

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Coronavirus (COVID 19) - Stock Market crash

In this video we have covered the following questions related to Arbitrage Funds:&nbsp;1. What are Arbitrage Funds?&nbsp; 2. How do Arbitrage Funds Work?&nbsp; 3. Are arbitrage funds risky?&nbsp; 4. What is the tax on Arbitrage Funds?&nbsp; 5. Should I invest in an Arbitrage Fund?&nbsp;Arbitrage funds invest at least 65% of their assets in equity or equity related instruments. Balance is invested in high quality fixed income instruments or cash and cash equivalents. Arbitrage funds take advantage of the price difference between the spot prices and futures prices of a share. This is done by buying shares in spot at a lower price and selling same number of futures at a higher price. This ensures that a risk-free profit is locked in at the time of entry of the trade. Is there no risk in Arbitrage Funds? There is one major risk which is that in case there is no arbitrage trade possible, the return from these funds could be exceptionally low and much lower than even liquid funds. For tax purposes, arbitrage funds are categorized as equity funds. For holdings less than 1-year, short term capital gains tax is applicable, which is 15%. In case of long-term holdings of over 1-year, long term capital gains tax rate is applicable, which is 10% if the total capital gains in that year is more than Rs. 1 Lakh. Arbitrage Funds can be good option for investors who fall in the highest tax bracket and want to invest surplus funds for a period of 3 months to 1-year.

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Arbitrage Funds 2020 | Explained | In Hindi

We review the Edelweiss Healthcare Index fund NFO, which is open for subscription from the 6th of October to the 20th of October. The Edelweiss MSCI India Domestic &amp; Global Healthcare 45 Index Fund is a passive fund and will follow the MSCI India Domestic and world healthcare index. This index comprises of 45 stocks, of which 25 companies are listed in India, while the remaining 20 are global companies listed on the US stock exchanges. In terms of assets, 70% of the assets will be proportioned to the Indian companies. This will include top companies in terms of market cap from various sub-sectors, such as pharma, hospitals, diagnostics, life sciences and biotech. The balance 30% will be allocated to the global companies, which would include top 5 from 4 sub-sectors, i.e., pharma, healthcare equipment, biotechnology, and life sciences. The healthcare spending in India is still low. It is expected that the money allocated to R&amp;D and healthcare infrastructure will increase substantially in the next few years, especially given the situation due to the covid-19 pandemic. This creates a big opportunity for the sector. Investors with a diversified portfolio could consider investing in this Edelweiss MSCI Index fund.

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Edelweiss MSCI India Domestic & Global Healthcare 45 Index Fund NFO | Review in Hindi

In this video we review the small cap index NFO from Nippon India Mutual Funds. We are joined by the deputy head of the ETF business at Nippon India Asset Management Ltd., Mr. Hemen Bhatia, to answer our queries. The Nippon India Nifty Small Cap 250 Index Fund is a passive fund, which will replicate the Nifty Small Cap 250 index. The stocks and weight of each stock will be the same as it is in the index. Unlike an active fund, the fund manager will not be taking any active calls on which sectors or stocks to include in the portfolio. The small cap index has underperformed the large cap (nifty 50) and broader (Nifty 500) index in the last 3-5 years. However, small caps have outperformed in the last 6 months to 1 year. As per Mr. Hemen Bhatia, the small cap index is expected to outperform the broader indices in the long term.

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Nippon India Nifty Small Cap 250 Index Fund NFO | Review in Hindi

<h2>Sukanya Samriddhi Yojana 2020</h2>Sukanya Samriddhi Yojana is a small saving scheme which was started as a part of the ‘Beti Bachao Beti Padhao’ campaign. In the video we have discussed the following about the Sukanya Samriddhi Yojana 2020.&nbsp;1. Sukanya Samriddhi Yojana account is meant for a girl child. Any parent or guardian can open an account in the name of a girl below the age of 10.&nbsp; 2. This account can be opened in any post office or in selected bank branches. &nbsp;3. The minimum amount that a person can deposit is Rs. 250 per financial year. While the maximum is Rs. 1,50,000. The deposits need to be made for 15 years.&nbsp; 4. The interest rate on this account is decided quarterly. For April-June 2020 the interest rate on this scheme is 7.60%.&nbsp; 5. The maturity for this account is at 21 years from the date of account opening.&nbsp; 6. Amount deposited is deductible from income u/s 80C.&nbsp; 7. Interest received on Sukanya Samriddhi Yojana is tax-free.&nbsp; 8. The amount received on maturity is exempt from tax. Sukanya Samriddhi Yojana is a very good scheme for investing in a disciplined way to secure a girl’s future.&nbsp; &nbsp;

Sukanya Samriddhi Yojana 2020- Sukanya Samriddhi scheme is a Government of India supported the scheme. Know more about at zfunds.in.

Sukanya Samriddhi Yojana 2020 | Sukanya Samriddhi Yojana in Hindi

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Sukanya Samriddhi Yojana 2020

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

What is Value Investing? Key metrics to track in each stock while deciding whether or not to invest in it.&nbsp;

What is Value Investing? Key metrics to track in each stock while deciding whether or not to invest in it. 

Value Investing - Explained

value-investing---explained

HDFC Balanced Advantage Fund has a total AUM of Rs. 37192 crores as on 31st August 2020. The NAV of the fund as on 31st August was at Rs. 184.40 and on 15th September was at Rs. 180.157. HDFC Balanced Advantage Fund has an expense ratio of 1.61%. Minimum investment for lumpsum is Rs. 5000. For additional investments the minimum amount is Rs. 1000. In case of investments through SIP method, the minimum investment amount is Rs. 500 per month.&nbsp;Exit Loads applicable on redemptions are at 1% on more than 15% units in the first year. There is no exit load on HDFC Balanced Advantage Fund in case of redemptions after 1 year. In the video we have also discussed the tax on Balanced Advantage Fund. The HDFC Balanced Advantage fund has a moderate level of risk and is suitable for investors looking for a long term appreciation with low volatility.&nbsp;