Are You Investing in a Balanced Mutual Fund and Investment Portfolio? – MoneyMindz

By | 15/06/2018
Balanced Mutual Fund and Investment Portfolio | MoneyMindz

MoneyMindz – India’s First Free Online/On-call Financial Advisory Portal | Balanced Mutual Fund

If you are an investor with a high-risk appetite, you can look for higher returns. If you have a moderate risk appetite and have a long-term plan, you could try some Balanced Mutual Funds. For first time investors, however, balanced funds are a good start. You have to select the right fund rather than just any fund. Balance Funds invest in equities and Debt Funds. If you are confused as an investor, you can opt for Balanced Fund.

If you don’t want to get into “once bitten twice shy” mode, carefully plan your investments. Don’t go for random funds just for the sake of it. Timing is an essential part of everything, more so in financial sectors.

First, you have to set up a budget where among all other things such as your income, expenditure and savings, you will also mention your goals for investment. A short-term goal lasts for three years. A medium-term goal lasts from three years to five years. A large term goal lasts for more than five years. [Get Personalised Advice For Balanced Mutual Funds –Visit]

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Identifying your goals and listing them down is fine, but what next?

 Calculate the amount based on inflation. If your favourite snack costs Rs 50 today, it might cost you Rs 150 a decade later! You never know how much inflation will happen. Hence it’s essential to invest in keeping at mind rising prices.

Also, bear in mind how much money you want in a targeted amount of time. Let’s say you want to save Rs 95 Lakhs in a decade. You will have to invest in such a manner that you will have Rs 95 Lakhs a decade later. But calculate your target corpus with real numbers rather than round numbers like a crore. [Get Personalised Advice For Investment Planning –Visit]

Never invest a lump sum amount of money in one place. Diversify your investments. List down your goals and invest accordingly. Emergency fund, retirement fund, college education fund, these are some of the funds you have to invest in.

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You could invest in Systematic Investment Plans (SIPs), Systematic Transfer Plans (STPs), Mutual Funds (MFs), Equity Linked Saving Scheme (ELSS), Equity Mutual Fund Scheme (EMFS), National Pension Scheme (NPS), Employee Provident Fund (EPF), Public Provident Fund (PPF), Bank Fixed Deposits, Corporate Fixed Deposits, National Savings Certificate (NSC) and many such schemes.

However, sector schemes aren’t for all investors. Only experienced investors who can time their entry and exit can invest here. Never select schemes without appropriate investment plans.

Many funds are tax saving in nature, for instance, Equity Linked Savings Scheme, National Pension Scheme, and Public Provident Fund and so on.

A financial advisor like can advise you on what funds to choose based on your risk appetite, investment horizon and financial goals. You can also give a missed call to 022-62116588 for comprehensive financial planning.

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