Village Bachpan Ki Yaadein

Common Mutual Fund Mistakes That People Make Some common mistakes that someone can make while investing in mutual funds can be: 1. Getting fascinated by NFOs We all keep getting NFO (New Fund Offer) emails. These emails look very exciting and persuasive but instead to just carried away we should to proper research and then only invest in any mutual fund. 2. Pausing / Stopping / Skipping SIPs Remember SIPs are meant for a purpose. It is a way to help people invest small amounts per month as they can not afford Lump Sum amounts, but if you even skip or pause SIP then the purpose of investing gets defeated. 3. Keeping SIP amount same every year If we get increments every year (no matter how much), why do not we increase uor SIP amount in the same proportion ? After getting increments, instead of enjoying more and more luxury it is suggested to keep lifestyle same and invest more to accumulate larger corpus in the long run. 4. Investing in more than 10 Funds at a time At first you may inve...

What are different types of Mutual Funds to Choose From ? Mutual Funds can be of many types. I am trying to categorize them in the following categories along with simple description of the same. ELSS Mutual Funds : Equity Linked Savings Scheme. This type of Mutual Fund helps you grow your money and also provides you Tax Benefits. Usually ELSS Mutual Funds have a lock-in period upto about 3 years. Large Cap Mutual Funds : These Mutual Funds invest maximum of your money in Lage Cap companies. Returns from Large Cap Funds can be around 10-12 percent. These are low risk mutual funds. Mid Cap and Small Cap Mutual Funds : These Mutual Funds invest maximum portion of your money in Mid Cap and Small Cap companies respectively. Returns from Mid Cap and Small Cap Funds can be more than 16% percent. These are high risk mutual funds. MultiCap Mutual Funds : MultiCap Mutual Funds as the name suggests are a mixture sort of Large, Mid and Small Cap Funds. The return in Muti Cap Funds can be around...

Mutual Funds Basics for Beginners A mutual fund is sort of a basket of securities that invests money from the investors into stocks, bonds or other assets. Some mutual funds also invest money in Gold and Silver too. How your money gets invested within the Mutual Fund ? As mentioned above that a mutual fund is a kind of basket of securities, when you invest some money in a particular Mutual Fund. Your money is divided into fragments or parts and invested in various stocks / bonds / assets. Now since your money has been diversified and put into different assets hence the risk gets minimized (not zero). Also, when those particular stocks move up, your money also grows accordingly. Various Factors to consider while choosing a mutual fund: Performance - Performace of a Mutual Fund as compared to the benchmark and its peers to be considered. However no one can comment on future performance of a Mutual Fund. Asset Under Management (AUM) - The higher the AUM, the better. Expense Ratio - Thi...

Financial Mistakes that Most Middle Class People Make The family in the below picture has all the luxuries around then but look at their facial expressions. They are not happy ! Why ? Read the reasons below: 1. Competing with neighbors - This is the root cause of middle class people not being able to grow rich. Spending money just to compete with neighbors and impress them will drain out all your savings. 2. Not Saving - Middle class is either not able to save money of save lesser than required. Remember, time once gone is gone forever, save as much as possible. Do not postpone saving money. 3. Not investing - Only saving money will not help you cope up with inflation. Inflation every year is about 7% and the interest that you get from your Bank Savings Account is around 6% to 7%. This means your Savings account or Fixed deposit can just help you beat the inflation, that's all. If you want to grow your money more than FD interest, then you need to invest somewhere, for middle cl...

New SBI Batting for Nari Shakti Ad Girl Name SBI has definitely done a great move by choosing Smriti Mandhana as their brand ambassador for business loan advertisements. Everyone knows Smriti but many people want to know the name of the girl in white who plays the role of the boss in the SBI Advertisement. The name of the girl in white who plays the role of the boss in the SBI Advertisement is Samridhi Chandola. She has also acted in the movie Ujda Chaman.