Category: Mutual Funds

Best Mutual Funds – Selection using DIY Criteria

Best Mutual Funds - DIY criteria

Best Mutual Funds? ‘Best Mutual Fund’ is one of the most common question/search term in personal finance. There are tons of sites that offer a list of Best Mutual Funds, Best Largecap Funds, Best Liquid Funds, etc. Most, but not all, of these sites also list the parameters that they have used to come up […]

Overnight Funds – A good choice for safety

Overnight Funds - A good choice for safety 8

Debt mutual funds are promoted as products that give ‘better returns’ than fixed deposits, while being quite safe. This is of course not true. Debt funds carry more risks than bank deposits.  Another popular misconception is around one category of debt funds – Liquid funds. They are almost universally (mis)regarded as a direct alternative to […]


SBI ETF – Quality: A NFO that you can consider

SBI ETF - Quality:  A NFO that you can consider 9

SBI Mutual Fund has announced the launch of its Exchange Traded Fund based on one of the NSE Strategic Indices.  SBI ETF – Quality would track the NSE 2011 Quality 30 index. The NFO is open between Nov 26 and Nov 30, 2018. In this short article, we look at the unique features of this […]


Best Mutual Fund Apps in India

Best Mutual Fund Apps

Investing, and tracking investments, using mobile phones has become very popular in India. In this short article, we look at a possible checklist that helps you evaluate the apps. I would not suggest a particular app – one major reason being that this is a rapidly growing segment and there could be a new app […]


Switching from Regular to Direct – Mind the tax

Switching from Regular to Direct - Mind the tax 10

Direct plans have been a part of the Indian mutual fund industry from Jan 1, 2013. It won’t be wrong to expect that all those who wanted to switch from regular plans to direct plans would have done so. Interestingly, a recent question in Quora indicated that people are still considering the big switch. In […]


NO – LTCG on equity does not make ULIPs better

LTCG on equity does not make ULIPs better

Unit Linked Insurance Plans (ULIPs) have always been aggressively positioned in India.  The recent (re)introduction of Long Term Capital Gains (LTCG) Tax on equity has added another dimension to the promotion of ULIPs. In this illustrative post, we look at how Equity mutual funds still provide better post-tax returns due to their flexibility and choice.  […]


Calculators for SIP – Choose the ‘Step-Up’ option

SIP calcualor - always use the step-up option

Systematic Investment Plan (SIP) is growing in popularity every month. A good percentage of mutual fund inflows is through SIPs. It is so popular that many new investors think that SIP is a product or plan, rather than a simple investment arrangement. A large number of calculators exist to help one with planning a SIP. […]


Mutual Fund NFOs – Why you should stay away

Pension Plans - Why you should avoid them in India

New Fund Offer (NFO) is done by a mutual fund house when they launch a new scheme/fund. Investopedia describes NFO this way: What is a ‘New Fund Offer – NFO’ A new fund offer (NFO) is the first subscription offering for any new fund offered by an investment company. A new fund offer occurs when a fund is launched, […]