SIP Archives - Nivesh

Difference Between Investing in Stocks & Mutual Fund

These days people get frightened hearing about investing in stocks. But sometimes they consider the same for the Mutual Funds also. But one needs to correct the assumption in this regards. Yes, mutual funds partially invest in equities depending upon the scheme structure, it is not the same like investing in stocks. Multiple factors play a role in buying stock by the fund manager. Let’s try to first understand basic difference: Stock Price V/S NAV When one buys a stock, it is bought at the prevailing stock price. Thus one can buy 5 shares of a company at let’s

nivesh_admin2020-03-11T15:47:54+00:00March 11th, 2020|Mutual Fund, SIP|

Why Should One Start Early in the Mutual Fund?

Do you remember your childhood days? You used to ask your parents about something and they used to promise for some future date, like if you will score some good marks, you will get what you want. You might have felt, let me grow up. When I will start earning, I will fulfill all my desires with my income. Now the journey of earning has already started. The moment you start earning, your spending plan is ready. There is no need to think much. Infect lifestyle and peer pressure does not let you get free out of this race. But

nivesh_admin2020-03-09T14:25:33+00:00March 9th, 2020|Mutual Fund, SIP|

Common Mistakes to Avoid While Investing in ELSS

There are certain mistakes investors make quite often when it comes to ELSS investment. Following are some of them: Waiting Till March for Investment This is a very common tendency of investors. They wait till march for the investment to be done. Either it is about not in priority, lack of funds, lack of clarity, or expectation to time the market. SIP is the simplest answer to all these challenges. Redeeming Funds Immediately After Lock-In Period Patience is the name of the game. Longer duration of investment gives better return. But at times investors have the mindset of only getting

nivesh_admin2020-03-05T15:30:55+00:00March 5th, 2020|ELSS, Mutual Fund, SIP|

Rupee Cost Averaging: Magic Behind Your SIP

SIP in Mutual Fund is all weather strategy, but why? What makes it a foolproof strategy? Let’s understand. Equity market does not move in straight lines. Of Course that makes it special. Because it is through this process it gives higher returns in the long run. But here comes the dilemma of a conservative investor. He/she cannot bear this sharp volatility. Also, timing the market becomes another big challenge for a beginner. Answer to all these challenges is avoid timing the market and averaging the purchase. Every month a certain amount of money is invested, same time and same amount.

nivesh_admin2020-03-04T14:55:09+00:00March 4th, 2020|Financial Planning, Mutual Fund, SIP|

How can I select right ELSS (Tax-saving) Mutual Fund?

Firstly, do you know Mutual Fund can help you to save tax also apart from probability of higher returns on investment? Equity Link Saving Scheme or ELSS is the type of mutual funds which can help you save tax upon investing and under section 80(C) of Income Tax Act. One can invest maximum Rs. 1.5 lakhs in ELSS per annum & save tax upto Rs. 46,800/-. Investment in ELSS fund has lock-in period of 3 years from the date of investment. In case of SIP, every instalment of SIP gets a lock-in of 3 years from the date of purchase.

nivesh_admin2020-02-18T19:19:25+00:00February 18th, 2020|Mutual Fund, SIP|

Why SIP Sahi Hai?!

Often we come with this question, why to invest systematically i.e. every month? Why not to time the market? Well, answer is simple. What is my priority? Should I wait for an ideal time to enter the market or should I start from where am I? Remember, your goal is more important than any other factor. And goal doesn't wait for ideal market situation. SIP helps you average every market situation and also helps you catch the long term market trend. At every market level, there is an opportunity to invest. While we focus on our goal, we give fund

nivesh_admin2020-02-17T09:26:23+00:00February 17th, 2020|SIP|