Some Tips For New Mutual Fund Investors

First time investors in mutual funds to invest in conditions of incomplete information , and mostly they are affected by incoming uncertainties . But investing in mutual fund market timing are more important things should be kept in mind .

First, take care

An ambitious unit holder should first decide how he 's Portfolio ( Portfolio ) wants to build . In other words, should the decision to grant him the right to own property . These asset allocation (asset allocation) is called . Asset allocation is the way that it determines how you put your money in various investments which are appropriate mix of asset classes .

Asset allocation rules that limited the investor 's age , the percentage of your portfolio should have as much money as your age . For example - if the investor is 25 years old, a 25 % debt (debt instrument) and the need to balance equity .

In reality , each person is different according to the different circumstances and financial condition may be needed investment allocation . To understand asset allocation , you should be aware of many factors - such as age , occupation , number of family members , etc. to you . In general, the more you are young you can equally risky investments which yielded better returns .

How to select the right fund

Remember to select the right fund - the key to choosing the right funds and their investment theory depends on the stability of returns . You choose the right fund is suitable for your needs , consider the following points to ensure that :

• Set your financial goals .

• you are investing for your retirement ?  enough for their child's education ? , Or for current income ?

• Consider your time frame . Do you want money in three months or three years ? , The more detailed your schedule , the more exposure you will be able to raise investment .

• What do you think about taking risks ? The possibility of higher returns you to the ups and downs of the stock market are in a position to tolerate ? You Must your own risk appetite should know about , a guide to choosing the right plan can be invested . Remember , without concern for potential returns if you are not comfortable with a particular asset class, then you should consider other investment options .

• Keep in mind - all these factors have a direct impact on the funds you choose and affecting the returns you expect to receive .








Fund candy

• Diversified Equity Fund
• Index Fund
• Opportunities Fund
• Mid Cap Fund
• Equity Linked Saving Schemes
• Sector funds such as auto , Health Care , FMCG , banking , I. T etc.
• Balanced funds invest 100% in equity for those who want to risk


( If chosen correctly, then the Top may perform better than other asset classes ) .


If you dare to take the risk with a long -term investor returns and are looking to beat inflation and equity funds is a top choice . Equity and equity oriented mutual fund schemes of various kinds (see Fund candy ) serves . Diversified fund investments would be appropriate to start with and gradually the area of ​​credit risk and you can also ventured into the special fund .

Track

Czech fill in application forms and write just is not enough . How your investments are performing , it is equally important to keep an eye on . A qualified and professional investment advisor , you make the right decisions and measure the performance of your investments may help both . Additionally , you should also know that you own with little help, how can these sources .

Fact sheets and newsletters

Mutual fund fact sheet and newsletter published monthly and quarterly information including the Portfolio , the Fund managed by the Report on Plans and their performance of figurs .

Newspapers

The sale of mutual fund schemes in the pages of newspapers , NAV and redemption price information. Also there are other economic analyzes and reports .

Remember

It is important to check the information for you . Thoङa little time to get it , you just have to spend to analyze and understand information . To increase your chances of investment success is required . If you spend your time making money, he spent a cent on it then it will be good start . Most of these funds in order to choose the right bike with the help of a professional adviser to the SIP ( Systematic Invest Plan ), STP ( Systematic Transfer Plan ) , and time to get the right mix of investments .

Save Tax With U L I P How To Choose The Best ULIP Plan Unit Linked Insurance Plan (ULIP)

Under section 80C of the Income Tax Act, Life Insurance Unit Linked Insurance Plan (ULIP) of Rs one lakh on investment income can be exempted. In accordance with the provisions of the Income Tax Act ULIP is required to be invested for at least five years.

ULIP products are quite popular in the insurance market. Due to the popularity of these plans teasers and agents receive commission is sturdy, not the interest of investors.suffers heavy losses. Therefore, before taking the plan is essential to understand correctly.

How to work ULIP Plan: ULIP Plan benefits of investment to get insurance cover. These plans lock in five years - would be. Generally meets five times the annual premium for insurance cover. ULIP plan premium allocation charge from the premium fund monies remaining after the cut is made. There are various options in the Fund which may be invested in dept and equity in proportion to various risks and policyholders - based on the ability of the Fund may elect. Also from time to time can Switching various fund options. Returns of these policies depends entirely on the performance of fund and insurance companies do not guarantee that any of these plans.

ULIP plan, policy administration charges each month, Mortality charges, fund management charges, switching charges etc. are charged by fund units canceled.



If you are planning to invest more than 10 years.

. Even before you have adequate insurance cover for long-term and medium-term goals you only want to increase the cover.

. Insurance and you are not able to invest separately.

. You do not understand the various investment instruments.

. The market fluctuation risk reduction in equity from the dept or different fund options without switching to the tax burden.

The proposed Direct Tax Code: Direct Tax Code is proposed to be implemented from April 1, 2012. The proceeds will be received up to Rs 1.50 lakh. The lower limit is set to 2 all.

All limit -1. Up to Rs one lakh, Approved Funds (New Pension Scheme, Provided Fund, Super anutation gratuity etc.) may be obtained on the investment.

All Limit 2. The remaining discount of up to 50 thousand rupees, Life Insurance premiums (premiums, the insurance amount is not more than five per cent), health insurance premium and children's tuition fees will be obtained. So the Direct Tax Code is similarly applied all discount on the insurance premium - would find a limit on the basis of -2.

The obligation to get rid of long-term investments, return on investment and the necessary investment will be redeemed.He is able to.

You should also avoid over the years so that if you have selected the best of ULIP funds do not want to, you can not change it.

ULIP plan for tax savings, so if you're planning to deliberately make the decision. Lest you repent later?



First select your appropriate ULIP plans of various insurance companies individually expenses such as premium allocation charges schemes, Mortality harges, policy administration charges, fund management charges, switching charges, surrender charges etc. should compare. Additionally, various companies in the fund risk and returns of that fund should select the appropriate ULIP.

Save Tax With Invest In Infrastructure Bonds

As a new option for investment in infrastructure bonds unfolded. Investors by investing in infrastructure bonds with tax exemption - assured return of 8 per cent could get together.

Income tax under Section 80CCF infrastructure bonds up to Rs 20,000 in the first year of the investment may be tax exempt. Infrastructure bonds 5-year lock - in period is. Infrastructure bonds of 10 years, but investors can sell the bonds after 5 years.

1.6 to 5 lakh in infrastructure bonds investors with income tax exemption can carry a maximum of Rs 2060, Rs 4,120 on an investment of Rs 5-8 lakh can get tax exemption. 6180 to Rs 8 lakh individual income tax take.

Direct Tax Code applicable after the Reserve Bank bonds, infrastructure bonds on the maturity amount is tax free. The amount of input tax to be levied on income.

Tax Saving Tips For Every One Who Lives In India

Tax exemption under Section 80C can total up to 1 million. Life Insurance Premium 80C, Providet fund, PPF, NSC 8/9 tax on ULIP issue and may be exempt. Pension fund on its side, home - expenses of buying and investing in ELSS, Senior Citizens Savings Scheme is a tax deduction.

5 years or more term deposits / Fiskd tax rebate on tuition fee deposit and 2 children can be exploited. Self, spouse and children's insurance premium can get discounts of up to 20 per cent of the sum assured. But the grandchildren - a granddaughter named on the policy the premium will not be tax deductible.

Self, spouse and children PPF account opened in the name of tax can get up to Rs 1 lakh. HUF can not open a PPF account, but the name of HUF members can get tax exemption on investment.
 8.4 per cent interest in NSC 8 issue could get 5 years and 8.7 per cent in 10 years, interest in the issue NSC 9 is possible.
Tuition fee only two children can benefit from the tax exemption. In addition to tuition fees, development fees, donation, will not include the cost of books. Relatives of the children will not get a discount on fees. The only tax you can find at your children's school fees.

Complete information associated with mutual fund

But investing in mutual fund market timing are more important than things should be kept in mind.



An ambitious unit holder should first decide how he's Portfolio (Portfolio) wants to build. In other words, should decide to grant him the right to own property. These asset allocation (asset allocation) is called.

Asset allocation rule that says property investors who are too old, the percentage of your portfolio should have as much money as your age. For example - if the investor is 25 years old, a 25% debt (debt instrument) and the need to balance equity.

However, in reality, each person is different according to the different circumstances and financial condition may be needed investment allocation. Understand asset allocation, you should be aware of the many factors - such as age, occupation, number of family members, etc. to you. Generally the more you are young you can put as much riskier investments which you get better returns.



Remember to select the right fund - the key to choosing the right funds and their investment theory depends on the stability of returns. You choose the right fund is suitable for your needs, consider the following points to make sure that:

• Set your financial goals.

• you are investing for your retirement? Or experience their child's education?, Or for current income?

• Consider your time frame. Do you need money in a time of three months or three years? , As wide as your time will be eligible to take more risk in the investment.

• What do you think about taking risks? Remember, without having to worry about potential returns if you are not comfortable with a particular asset class, then you should consider other investment options.

• Keep in mind - these are all factors affecting direct impact on the funds you choose and what return you expect to receive.
 Fund candy

• Diversified Equity Fund
• Index Fund
• Opportunities Fund
• Mid Cap Fund
• Equity Linked Saving Schemes
• sector funds such as auto, Health Care, FMCG, banking, etc. I. T
• Balanced Fund invests in equity for those who want to risk 100%

Different types of mutual funds and equity-based plans (see Fund candy) serves. Diversified fund investments would be reasonable to begin with and gradually the area of ​​credit risk and you can also ventured into the special fund.

Just fill in the application form is not enough to write and Czech. How your investments are performing, it is equally important to keep an eye on. A qualified and professional investment adviser you make the right decisions and measure the performance of your investments may help both. Additionally you should also know that you own with little help how can these sources.



Mutual fund fact sheet and newsletter published monthly and quarterly information including the portfolio, and performance of schemes managed by the Fund Manager Ankङon report is published.



Website of mutual fund performance statistics, daily NAV (net asset value), Fund Fact Sheet, which provides quarterly newsletters and press clippings etc.. The Association of Mutual Fund in India (AMFI) website also contains information about daily and historical NAV has other plans.



Sale of mutual fund schemes in the pages of newspapers, NAV and redemption price information. Also there are other economic analyzes and reports.



The information is very important to keep accurate information for you. Thoङa bit to get it, you just have to spend the time to analyze and understand information. Your investment is needed to improve the chances of success. If he spends as much time as you earn money to spend a cent on it, then it would be a good start. Most of these funds is a professional consultant help choosing the right bike for the SIP (Systematic Invest Plan), STP (Systematic Transfer Plan), and one-time investment to get the right mix.

Where to invest to save tax,The benefits of tax exemption

Inter-disciplinary manner and meet its investment returns are linked. Failure to maintain discipline in your investment you may harm long-term financial goals. You should invest in a planned manner to avoid tax.



Financial Planning for portfolio investment are paramount. If you invest without Financial plannings It is quite likely that you may not receive financial goals. It can not bring you any Financial planner and quick hurry he will make in planning your whole Financial. This process also takes time. So to avoid such financial products which you are not aware.

There are many financial products in the market like the regular life insurance policy whose term of 15-20 years. Stay away from them for some time. You need time to understand about the product and will seek expert advice. If there is something wrong in your calculations, you can take a long time for the wrong product. Keep it simple to plan their investments and financial products that are easy to understand can leave whenever you want.
 Many people only think about one lakh live. Such people by investing Rs 1 lakh under Section 80C of the tax exemption should take. But often the reality is somewhat different. Please check all such investments and then see the final taxable income. Accounting for tax exemption amount you have to invest to take advantage of. Also you Rs 15,000 (Rs 20,000 senior citizens) can also take advantage of the tax rebate if you are paying a premium of health insurance.

Fixed Income

To save tax receipt at the Post Office in the National Savings Certificate can invest. The 8.6 per cent interest for 5 years you can get. So, just invest and save tax. Also you can invest in tax saving bank fixed deposits. The 5-year from 8.5 per cent to 9 per cent interest, you can achieve. If you are young, Public Provident Fund (PPF) account can also open. One thing to keep in mind that the PPF account should be opened for at least 15 years. It is a good choice for investors with low risk. If you can afford then you can invest in mutual funds.

Equity

Decline in the stock market for some time and have become an attractive valuation for investors. These schemes have had a 3 year lock in period and invest in equity.

April 2014 to your tax planning for the next year is the perfect time. So do not delay and tax saving investment immediately Here are some of the options to choose.

Tax Saving Donation

The aim of the charity is a social as well as economic one. However, if you want to pay a tax benefit in the process should take care of certain things.

Donation

Beautiful Bollywood actresses must first understand the meaning of the word charity is determined further processing. It also comes under donate what things are and what things should have this information out there. This money should be given voluntarily and not forcing anyone to be. These should take into account this fact, based on the definition of charity is understood.



Donation receipt must be

The person must ensure that the charity received donations in exchange for a receipt to be evidence. The receipt contains the information such as the total number of donations from charities seeking to be written. Besides, who donated the Permanent Account Number (PAN) with a description of payment information such as the Czech number or receipt number must be in the drafts. Income tax exemption for the taxpayer when filling out tax returns will get the benefit.

Frequent natural disasters that collects donations from employees, employers and various special funds such as the National Defense Fund, Prime Minister's National Relief Fund or the Chief Minister's Relief Fund deposits. In this case the tax benefits do not need to take some extra effort.




Some other information connected with Dan

Although at times it is necessary that the amount being donated to being in your taxable income. If it does not waive the income tax exemption on how it can be used. It is not necessary that the donation was received in the current year will be donated by the amount of. In any given year depending on your vantage person can donate.

Tax saving tips with investment

But only if we invest to save tax if you are in the 30 percent tax bracket so today we're going to tell you, other than investment 5 ways to save tax.

Food and Gift Coupons including your salary, then you tell us that you do not owe any tax occurs. Every month you get a coupon of around Rs 2,600, your annual savings of Rs 9640.

Similarly, instead, ask the driver to keep themselves to arrange for that. Suppose every month you are putting up a bill of Rs 10,000, the amount increased to Rs 1.20 lakh per annually. The allowance of Rs 33,750 per annually from the office can save you.

And do a job, tell the company car leasing instead of buying the car and add it to those allowances. Included in the rental car allowance is taxed but the tax on the amount, that amount is too small, ie Rs 2000-2500. But you can save up to Rs 2.5 lakh.

How to save Tax? Tax Planing for better life without Tension , tax Saving Investments

Tax planning is an important part of your personal finance. It is often seen that many people consider investing for tax saving, so have a proof of tax breaks. At the same time, however, financial advisers, banks and financial institutions begin to tell you the tax saving tips. Such investments may incur losses in the future.

Tax saving options, which investors can choose.

Taking out life insurance is right for tax purposes, but also should not forget the insurance.

PPF: PPF is the better way to invest, the investor receives a positive return. Under this scheme the Government returns of up to Rs 1 lakh under 80C is free. So with tax saving - investment with long-term perspective is a better option for the PPF.

ELSS: Equity market moves slower than the past 5 years, investors have put in big trouble. ELSS which was once the first choice of investors, even today, is facing a slowdown. But the perception of risk and long-term investors who can opt for ELSS.

FD: FD is a good option to save tax. With the protection of the investor's investment - even with the tax benefit is received. Deposit to lower class tax payers currently remains the preferred option.

NSC: Old National Saving Scheme and the changes it has brought new scheme for the next 10 years. The investor to avoid the tax - with the return on investment is taken care of.

Section 80 D:

Under this section, the taxpayer Health Insurance Scheme Rs 15,000 to Rs 20,000 for himself and his parents can fill the premium. Under which the taxpayer with tax - even for someone with bad times, can protect themselves.

Section 80 CCD:

The new pension scheme is exempt under this section. Under this scheme to get tax exemption limit is Rs 1 lakh. It is also important to note.