Learning Hub
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How to build a fixed income portfolio?
While investors are somewhat adept at equity investing given their fascination for stocks, they usually need some hand holding when it comes to building a fixed income portfolio.
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Do’s and don’ts while investing in mutual funds
Whenever we start a habit, a discipline or an activity, we often abide by a rulebook. Be it fitness or investing.
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Understanding Banking & PSU Debt Funds
Banking and PSU Debt Funds are the sub-category introduced by the Securities and Exchange Board of India (SEBI) in the debt Mutual Fund category.
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What are you doing with your salary increment?
It's a season of appraisal with most salaried employees would have got their annual increment letters.
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The fiscal year gone by - FY22
The fiscal year gone by - FY22 has been an eventful year for markets witnessing a roller coaster ride with the indices touching several milestones.
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Jargon Buster: Rupee Cost Averaging
Rupee Cost Averaging is an investment approach wherein one invests fixed sum of money at regular intervals in the securities market. This ensures that one ends up buying more shares (or units of Mutual Fund) when prices are low and less units when prices are high.
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Things to know about KYC in MF investing
Identity theft and fraud, money laundering, terrorist financing are on high these days.
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Investment Lessons from Holi
There are so many things to learn from our festivals and people around us. It's once again Holi time.
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Understanding - Growth, Dividend or Dividend Re-investment Option
When investing in mutual funds, there are three options that are available in which you could invest: growth, dividend and dividend reinvestment.
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Year in Review – Equity markets rule amid volatility; Retail investors star performer
The pandemic’s effect on life, work, and professional operations has been profound. We are close to a new year. 2020 has been a real tough one and the crisis got us all last year, but has also taught us many skills and strategies, and given us newfound appreciation for the smaller things.
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Things to know about Corporate Bond Funds
Corporate bond fund is an open-ended debt scheme which invests at least 80% of its total assets in highly-rated corporate bonds. That means these schemes would invest most of their corpus in corporate bonds that is rated AA+ and above.
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How to choose between debt and equity?
When you look at physical fitness, the choice between cardio and weights must depend on factors like age, stamina, goal, etc. But there must always be a combination of both so that you do not end up overdoing one. Likewise in investments, the most important things to remember while choosing between debt and equity or a combination of both should depend of various reasons such as:
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Here’s the strategy and steps to build a MF portfolio
During market volatility, the problem investors’ face is choosing the right fund for their requirement. As the investor’s objective is to preserve capital and gain returns, there are hundreds of funds that claim to do precisely that.
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Things to know about Ultra-Short Duration Funds
Ultra-Short duration funds are open ended debt funds, which primarily invest in debt money and money market instruments.
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Beginner’s guide to successful investing
Welcome to L&T Mutual Fund’s Beginner’s guide to successful investing. Investing may seem complicated, but it really is as simple as our everyday lives! Don’t believe us? Read on. You’ll never believe how easy it can be to convert the saver in you as an investor. And, enjoy!
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10 advantages of investing in Mutual Funds
Thinking of investing in mutual funds? It’s important you know the advantages of investing in a mutual fund.
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Why Index Funds score over ETFs?
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Investors have begun gravitating towards index funds and exchange-traded funds (ETFs), which are passive and mimic the underlying benchmark indices. They are generally willing to allocate 5-10% of their equity portfolio to index funds and ETFs, which earlier was not there. ETFs and index funds try to mirror the securities in their underlying indices, such as Nifty50, Nifty Next 50 or Sensex, approximately in the same weightage. ETFs are traded on stock exchanges. The question, now, is how to make the choice between an index funds and index ETF?
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Understanding Equity Funds
Equity mutual fund schemes invest their assets into shares/stocks of different companies across market capitalisation, with an objective of generating higher returns as per their investment objectives . As regulated by SEBI, equity oriented funds invest at least 65% of the corpus into equity related instruments.
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Understanding Solution-Oriented Mutual Fund Scheme
Solution oriented mutual fund schemes are a recently introduced category of mutual funds by SEBI. Goals like long term & short term capital appreciation and wealth creation may be achieved by pure equity, debt, or hybrid mutual funds, but to aim to achieve a composite goal like retirement planning or child’s education, AMCs deliver solution-oriented mutual funds schemes which are strictly aims to achieve a specific objective.
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Ride over market volatility through Systematic Investment Plans (SIP)
One of the major encounters that investors' are facing these days is wide fluctuations in the stock market. And the first reaction to this volatility is panic. There can be various events that can lead to such swings − pandemics, changes in government policies, geopolitical tensions, unfavorable economic data, etc
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संकल्पना का स्पष्टीकरण – फ्लेक्सीकैप फंड्स
मार्केट रेगुलेटर सेबी ने ६ नवंबर २०२० को परिपत्रक के माध्यम से `फ्लेक्सीकैप फंड’ नामक इक्विटी म्यूचुअल फंड स्कीम की एक नई श्रेणी प्रस्तुत की. ये ओपन एंडेड डायनामिक इक्विटी स्कीमें हैं जो लार्ज कैप, मिड कैप और स्मॉल कैप स्टॉक्स में निवेश करती हैं. इक्विटी और इक्विटी संबंधी इंस्ट्रूमेंट्स में न्यूनतम निवेश कुल आस्तियों का ६५% होगा.
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संकल्पनेचे स्पष्टीकरण – फ्लेक्सिकॅप फंड्स
सेबी ही बाजारातील नियंत्रक असून तिने 6 नोव्हेंबर 2020 रोजी परिपत्रक काढून नव्या इक्विटी म्युचुअल फंड स्कीमचा परिचय करून दिला, ज्याला ‘फ्लेक्सीकॅप फंड’ म्हणतात. ह्या ओपन-एंडेड डायनॅमिक इक्विटी स्कीम्स असून लार्ज-कॅप, मिड-कॅप आणि स्मॉल-कॅपमध्ये गुंतवणूक करतात. इक्विटी आणि इक्विटी संबंधी इंस्ट्रूमेंट्समधील गुंतवणूक एकूण निधीच्या 65% असते.
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Myths about investing in Mutual Funds
One of the biggest hurdles in the journey of investing is getting over the myths that bear no foundation or truth. But we believe it because everyone does. Here are some of the most common myths and facts of investors about investing in mutual funds:
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Concept Clarifier: Equity Savings Funds
Equity Savings funds are a type of open ended mutual funds that invest the total fund amount between equity funds, debt funds and arbitrage. This mutual fund category under the Hybrid Mutual Funds was specified by SEBI in 2017. Accordingly, this category of fund should invest a minimum of 65% of assets in equity including arbitrage positions, and a minimum of 10% in debt securities.
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Bulls drive Sensex to 60,000
The relentless Bull Run which began in April 2020 has taken the Sensex beyond 60,000 as on September 24, 2021 and is now poised to push Nifty to 18,000 levels. The incredible return of around 130%* from the lows of March 23, 2020 and above 60%^ for the last 12 months has created phenomenal wealth for all kinds of investors - FIIs, DIIs and retail.
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Understanding Debt Markets
Debt market is where investors buy and sell debt securities, mostly in the form of bonds. Debt market in India is one of the largest in Asia.
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Infra Fund: The bridge for today & tomorrow
Can you put down the list of facilities that you use in your everyday life? Electricity, roads, railways, bridges, airports, etc. are some of them, right? Now imagine life without these facilities - seems like a nightmare doesn't it?
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Decoding Index Funds
Index funds are a special type of mutual funds which is passively managed. These funds are also known as passive funds. These funds are being offered as another option available to investors to invest in the Indian equity markets, especially for investors who want only index returns or risk averse investors, who do not want to take stock specific risk.
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Smart Money Habits: Tips for Young Investors
By now, it has become quite clear that as a generation; millennials or youngsters have a very different approach to savings and investments than their previous generations. However, millennials still feel behind financially compared to peers and are juggling substantial debt levels with near and long-term financial priorities.
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Understanding risk measures for smart investment decisions
Most investors are clueless as to how to gauge a fund while investing in it. And as the usual way goes, most often invest looking at the appreciation in the Net Asset Value (NAV) of the fund. However, while returns are a good indicator of the performance, they are not the only factor to take into consideration. There is something more beyond returns and most of us would have read about these in a mutual fund factsheet without realizing what they mean and how to understand them.
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अल्ट्रा-शॉर्ट ड्यूरेशन फंड्स के बारे में जानने योग्य बातें
अल्ट्रा-शॉर्ट ड्यूरेशन फंड्स ओपन एंडेड फंड्स हैं, जो मुख्य रूप से डेब्ट मनी और मनी मार्केट इंस्ट्रूमेंट्स में निवेश करते हैं.
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अल्ट्रा-शॉर्ट ड्युरेशन फंड्सची आवश्यक माहिती
अल्ट्रा-शॉर्ट ड्युरेशन फंड हा ओपन एंडेड डेट फंड आहे, जो प्रामुख्याने डेट मनी आणि मनी मार्केट इंस्ट्रूमेंट्समध्ये गुंतवणूक करतो.
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This Father’s Day, let’s celebrate care & selflessnes
Rather than gifting your father an expensive gift this Father’s Day, here are a few tips that are sure to help him financially through the years ahead.
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Small cap funds – An opportunity for growth
Investing in companies with small market capitalisation can be one of the most difficult and potentially rewarding styles. It's difficult because historically during market downturn small caps are battered the most..
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Simplifying liquid funds
Liquid funds are category of debt mutual funds that invest in short-term fixed-interest generating money market instruments. They primarily invest in financial instruments like treasury bills, commercial paper, and so on, which mature within 91 days. The NAV of a liquid fund is calculated for 365 days.
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Simplifying Overnight Funds
Overnight Funds are a relatively new category of mutual funds. This is a new category of debt funds that was introduced as part of SEBI's mutual fund reclassification exercise in 2017.
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Mutual Fund Guidelines for Investor During Covid-19 | LTMF
This article will help you with the broad guidelines for investing in Mutual Fund during Covid-19 including asset allocation, equity funds, debt funds and more.
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TIPS FOR FINANCIAL INDEPENDENCE
Financial Independence starts in the mind. Our minds are more powerful than our bodies and our actions, the subconscious mind can dictate our actions, even with the money matters.
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This Mother’s Day pledge to secure her financially
Motherhood is no child’s play and mothers across life-stages need to take charge of their finances to ensure a smooth journey. Managing income helps you understand how much money you’ll need for tax payments, other monthly expenditures and savings, insurance policies, emergencies, retirement, etc.
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Market & MF Snapshot - FY2020-21
The year gone by – FY21 has been nothing short of a roller coaster ride for Indian equities, which rebounded after the market crash late March 2020 on fears over the economic impact of the Covid-19 pandemic. The year was a painful disaster for humanity but beneficial for global stock markets.
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Women's Day 2021: Questions to ask before signing
Don’t just sign here. ASK a few questions before signing to make a financial decision
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डिकोडिंग इंडेक्स फंड्स
इंडेक्स फंड्स एक विशेष प्रकार के म्युचुअल फंड्स हैं जिसका प्रबंधन संयम के साथ किया जाता है. इन फंड्स को पैसिव फंड्स भी कहा जाता है. ये फंड्स निवेशकों के लिए भारतीय इक्विटी मार्केट्स में निवेश करने का एक और विकल्प है, खासकर उन निवेशकों के लिए जो सिर्फ इंडेक्स प्रतिफल चाहते हैं या उन जोखिम से बचने वाले निवेशकों के लिए है जो स्टॉक विशिष्ट जोखिम नहीं लेना चाहते.
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इंडेक्स फंडांची तपशीलवार माहिती
इंडेक्स फंड्स हे खास प्रकारचे म्युचुअल फंड्स आहेत ज्यांचं निष्क्रिय पध्दतीने व्यवस्थापन केलं जातं. हे फंड्स पॅसिव फंड्स म्हणूनही ओळखले जातात. हे फंड्स अशा गुंतवणूकदारांसाठी उपलब्ध आहेत ज्यांना भारतीय इक्विटी मार्केट्समध्ये गुंतवणूक करायची आहे आणि ज्यांना इंडेक्स परतावे हवे आहेत. तसेच ज्या गुंतवणूकारांना स्टॉक संबंधी जोखीम नको आहे त्यांच्यासाठी हे फंड्स उपयोगी आहेत.
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Concept Clarifier: Arbitrage Funds
Arbitrage is the process of buying stocks or shares in one market and selling it in another to exploit the price difference. An Arbitrage fund is a type of hybrid fund which aims to capitalise on profitable arbitrage opportunities (price differential in a stock) between cash and derivatives segments of the equity market. Thus opportunity lies in generating a good return between these differences.
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What Successful Women Have To Say!
Women’s’ growing popularity – as entrepreneurs, world leaders, consumers and executives is changing the way companies do business, the way businesses advertise and the way we communicate, spurring a paradigm shift in the overall perception.
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Understanding Mutual Fund Riskometer
Investment decisions are usually based on an investor’s risk appetite. To help investors be aware of the risks associated with Mutual fund investments, SEBI has made it mandatory for all fund houses to display a riskometer depicting levels of risk.
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Duration vs Accrual: Which is the ideal strategy?
Debt fund managers primarily use two strategies to generate gains. Understanding how the strategies work makes it easier for investors to appreciate the risk-return tradeoff of investing in debt funds.
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Concept Clarifier - Flexicap Funds
The market regulator, SEBI had vide it circular dated November 6, 2020, introduced a new category of equity mutual fund scheme called ‘Flexicap Fund’. These are open-ended dynamic equity schemes investing across large-cap, mid-cap and small-cap stocks.
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Should you invest in equities now?
Every time the stock market reaches an all-time high, many investors decide to defer investment in equities or look to redeem existing investments with an anticipation that they will be able to invest at a lower market level. A lot of this belief stems from the fact that conventional wisdom espouses the investment tenets of buy low and sell high. While it is natural for investors to think in this manner, it may not always be a wise decision to stay away from equities during market peaks as the absolute stock market level is often less relevant and the key is valuations. In other words - the current level of market may not denote the true value of companies forming the market.
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Basic terms first time mutual fund investors need to know
If you are a first time investor and interested in investing in mutual funds, here are some terms you need to understand.
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Start early, retire rich
Right from childhood, we have heard our parents talk about doing things post retirement. We’ve heard them talk about travelling abroad for that one exclusive holiday or taking up gardening or doing something different after retirement. Once we started working, many options started throwing up in our own retirement plan.
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कॉर्पोरेट बाँड फंडांबद्दल आवश्यक असलेली माहिती
कॉर्पोरेट बाँड फंड ही ओपन-एंडेड डेट स्कीम असून आपल्या एकूण निधीपैकी 80% निधी उच्च मानांकन असलेल्या कॉर्पोरेट बाँड्समध्ये गुंतवते. म्हणजेच ह्या स्कीम्स AA+ आणि जास्त मानांकन असलेल्या कॉर्पोरेट बाँड्समध्ये आपला बहुतांश निधी गुंतवते.
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कॉर्पोरेट बॉण्ड फंड्स के बारे में जानने योग्य बातें
कॉर्पोरेट बॉण्ड फंड एक ओपन एंडेड डेब्ट स्कीम है जो ऊँचे आंके गए कॉर्पोरेट बॉण्ड्स में अपनी कुल आस्तियों का कम से कम ८०% निवेश करती है. इसका अर्थ है कि ये स्कीमें ऐसे कॉर्पोरेट बॉण्ड्स में अपने अधिकांश कॉर्पस को निवेश करेंगी जिन्हें एए+ और अधिक आंका गया है.
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The Power of Compounding and Regular Saving - L&T Mutual Fund
Click here to understand the power of compounding, regular saving, goal planning and how compounding works wonders over a longer period of time.
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All about Dynamic Asset Allocation Fund
While making investments, investors' do keep certain aspects in mind - how to grow the capital and second is how to protect the capital. There are plenty of investment options available in the markets that can cater to an investor’s requirement of capital protection and growth. Each investment option has a different level of risk and return potential.
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SIP or lump sum or combination of both
Should I invest a lump sum in Mutual Fund or should I go the Systematic Investment Plan (SIP) route? is a dilemma faced by most investors. When you invest a lump sum, you are instantly hostage to market timing. The investment will work only if you can time your buys at all market lows and sell your investments when the market peaks. In theory, all this sounds very appealing and, worse still, doable. In reality, it is quite the opposite. Generally, investors flock to the market when it is on a roll and head for the exit when it begins to slide.
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What the portfolio turnover ratio means to investors
Mutual funds invest in stocks like regular investors. They buy and sell stocks resulting in portfolio churn. What is the ideal portfolio churn? How should investors interpret it?
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Why one should not chase short term performance
There is a tendency among certain investors to keep checking the value of their investments. Has the stock price moved up or down? What was the closing value of the market index today? What was the NAV of the fund? Many feel that they need to be on top of the news so that they can manage their investments better.
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A comparison between Cricket and Investing
While watching Cricket, have we ever noticed that there are many similarities which exist between Cricket & Investing? The most important amongst them being strategy and a long term view. In a quick- paced format like of 20 overs, strategy is key along with careful planning and patience. Here are the ways you could get the best from your investments just like the matches and play a strong innings.
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Build your kids' monetary skills
Every parent wants to spend quality time with their kids. However, due to busy work busy work and life responsibilities they are not able to spend as much time with their children which lead to developmental delays. The present lockdown has given opportunity enabled many companies to work from home, thus giving enough opportunities on spending meaningful time with their kids and bond with them.
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Understanding the Key Parameters of Fixed Income Funds | LTMF
This article will help you understand the key parameters of fixed income funds & why changes in interest rates affect the prices of bonds or fixed income securities.
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Importance of Financial Planning for a Secure Future | LTMF
Have you planned for your secure future? Click here to know the steps of financial planning, goal identification/requirements, investment options/plan and more.
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Determining risk profile of an investor
Before you consider investing in any financial instrument, you must know how much risk you’re ready to take. Investing in the financial market carries some inherent risk – which can be classified under systematic and unsystematic risk.
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Importance of a Financial Advisor
Let’s look at the role of a financial advisor like the role of a fitness coach. We all understand the importance of being fit and healthy, but we often fall out of our regime due to lack of discipline, paucity of time and unawareness of what to do next. This is where the role of a coach comes in. A coach’s role is to ensure you tirelessly work towards your goal. He keeps an eye on your workout regime, regulates your diet and carefully monitors your progress.
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Investing through MF during market volatility
“Stock market is a place to get rich slowly” – someone has very well said. This statement very well captures the nature of stock markets. It is possible to get rich through investing in stocks. However, expecting that to happen in short periods, is unrealistic.
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Why investing is necessary?
Investment is to your money what working out is to your body – both ensure fitness, discipline and endurance in the long term. Investment basically means setting aside a sum of money for devoting into a financial instrument, so that after certain period of time, the money will earn you an interest and grow.
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Give your money the equity boost
With each passing year, the commodity prices will keep rising, subsequently raising the cost of living. If your household expenses are Rs 50,000 per month right now, 10 years down the line, just to maintain a similar lifestyle, you will need about Rs 90,000.
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Decoding Indian debt market
The Indian debt market, one of the largest in Asia, is developing rapidly buoyed by a multitude of factors including new instruments, increased liquidity, deregulation of interest rates and improved settlement systems.
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5 simple steps to retirement planning
The younger the generation, the faster they aim to retire from the everyday life of a salaried employee and enjoy the luxuries of a retired man.
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Importance of nomination
Every time you fill up a form for an investment, whether it’s a Fixed Deposit or Insurance, Shares or a Mutual Fund or even if you’re opening a new bank account, there will be a separate section that will ask you to mention a ‘Nominee’.
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Benefits of SIP top-up
Investing in mutual funds through Systematic Investment Plan (SIP) is an effective wealth building tool by contributing a fixed amount every month.
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Understanding asset allocation
People investing in mutual funds or other financial instruments these days, often come across a term called Asset Allocation thrown at them, time and again, without necessarily understanding the true essence of the term.
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5 easy steps to get started
One of the biggest drawbacks today is the lack of awareness. We often follow what is blindly told to us, either by our parents, friends or financial advisor.
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Investing in your child’s future
The arrival of a child brings a lot of happiness and responsibilities at the same time. In fact, as soon as a child is born, parents start worrying about the future.
