mutual fund Sahi hai? : –

mutual fund sahi hai?
mutual fund sahi hai?

mutual fund Sahi hai? really? If you want to start investing in mutual funds, but you can not understand how to start, then after reading this post, you can start investing in mutual funds with Confidence right at all.

In this post about mutual fund investment, we will learn about some of the important STEPS mentioned below.

  • investment goal
  • What type of investment is Lump sum or SIP?
  • Scheme SELECTION
  • Mutual funds necessary documents for investment
  • How and how (direct or regular)
  • Profit option: Growth Plan or dividend plan
  • Form Fill Up and Formalities
  • Tracking NAV

Let’s figure out all these steps in a little bit detail

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Decide GOAL

Before starting a mutual fund investment, we need to know why-why are we investing that, what is the purpose of our investment?

So it should be clear that we have the percentage gain (RETURN ON INVESTMENT) of mutual fund investments, and how long (TIME PERIOD), so AMOUNT we can invest.

Like if after 3 years or 5 years – wants to buy a car of 10 lakhs, or 15 years after the child’s high EDUCATION requires 20 lakh rupees, or I need Rs. 1 crore after 30 years for retirement.

So when you invest in mutual funds to complete this kind of financial goal, then in this case you can choose a CALCULATED RISK and a better profit MUTUAL FUND, and with your financial goal, you can easily pick up more RISK Can do.

Before mutual fund investment, if we already decide the target of that investment, then there are many significant benefits to it

.like –

  1. INVESTMENT may be introduced soon
  2. To meet the target, the AMOUNT of the required INVESTMENT is detected
  3. To meet the target, it is possible to find at least a % profit on INVESTMENT AMOUNT
  4. Determines the investment TIME first, then we can also gain TIME POWER OF COMPOUNDING
  5. Most importantly, if we find out the necessary profit percentage to meet the target of our investment, we can at least take advantage of a better investment by raising RISK or CALCULATED RISK in our capacity.

Therefore, before the onset of mutual fund investment, the reason for your investment or the investment objective should be absolutely clear.

How to invest in MUTUAL FUND (SIP or LUMP SUM)

mutual fund sahi hai
SIP or LUMP SUM

First of all we talk about understanding the goal or purpose of a mutual fund when you once understand the goals of investment

So are you two things explained to invest – you have much money to invest, and you have much money to invest

Now you also have to decide whether you want to invest in ONE TIME INVESTMENT ie LUMP SUM AMOUNT, or every month, according to your SAVING, want to invest small AMOUNT with SIP (Systematic Investment Plan)

In SIP (Systematic Investment Plan), you also get different investment options, like how long you want to invest, and how much time to invest will be – Monthly, Quarterly, or half yearly

You can also choose your payment mode, ECS, NEFT, or CHEQUE

MUTUAL FUND INVESTMENT SCHEME ELECTION

Next Step is to choose a mutual fund scheme, and that they understand the purpose of investing in mutual funds when, as you are about to get a Clear Idea, that may be how much money you have to invest, you should compound profit percentage to meet the goal of your investment

Like – Suppose we aim to invest our children after 15 years to deposit their high EDUCATION fees. For which I need Rs 20 lakh

For this, first of all, I will see how much money has been left to me today. Let me assume that the savings which have been lying. This is my second job. And I can save only Rs 3000 for each month.

Now the question is that save Rs 3000 is saved every month – 36 thousand of the year and in such a way, in 15 years I can deposit 5 lakh 40 thousand, whereas my goal is -20 million.

In this way, first of all, we need to know with the help of a COMPOUND INTEREST calculator that if we want 20 lakhs after 15 years of every month, then if I want a compounding profit on my investment, then I will answer – 16%

And for the 16% annual RETURN, you may not need to take too much risk, you can choose your BALANCED EQUITY FUND, whose track record is good.

Now there are thousands of mutual fund schemes available in the market, in which you can choose a scheme with a track record of some mutual funds that meet your investment objective.

MUTUAL FUND INVESTMENT PROFIT OPTION: Growth Plan or dividend plan

In mutual funds, you can get benefits in two ways – as a DIVIDEND, and the increase in NAV prices of mutual funds (Appreciation.

With the selection of a scheme of mutual fund investment, you have to choose one of these two options, like how you want to take advantage of the mutual fund, whether you want to keep dividends, or profit Want to continue to reinvest – Growth?

For this, you have two options in a mutual fund scheme –

DIVIDEND OPTION OR GROWTH OPTION Let’s find both these options in a little detail.

mutual fund Sahi hai
mutual fund Sahi hai?


DIVIDEND OPTION

Mutual fund DIVIDEND means the benefit of mutual fund has to be transferred to the investor’s account from time to time. All of us have to choose this option of mutual fund investment in view of our economic goals that we have to take advantage of

If we want to keep releasing the mutual fund profit regularly, then we have to choose DIVIDEND OPTION.

GROWTH OPTION IN MUTUAL FUND

The benefits of mutual fund investing if we go back again to continue to invest, so that we get the benefits of the POWER OF COMPOUNDING to meet the goals of your investment, we should choose GROWTH OPTION,

As the GROWTH OPTION, the profit from mutual funds is reintroduced back, and we get profit over profit, and thus we get the COMPOUNDING benefit

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MUTUAL FUND INVESTMENT DOCUMENT REQUIRED

In order to start mutual fund investment, it is also important to understand that what documents we have to have, you need two types of documents, one KYC and another bank account information

Firstly, you have to complete the KYC process, like the documents needed to verify your personal details, such as –

  1. Photo
  2. Pan Card,
  3. Aadhar Card
  4. ADDRESS PROOF

According to the facility provided by Mutual Fund, if you want, you can complete your KYC with E-KYC process with the help of Aadhaar card.

Apart from this, if you invest through SIP, then from the bank you want to pay. You also have to submit the details of that bank.

If ECS does, then you have to fill in the ECS form. Together, your bank has to give a CANCELLED check.

WHERE AND HOW TO INVEST

When you want to start mutual fund investment, you have to invest in any pre-existing scheme or invest in a new NFO, and in such a case, we have to buy or invest in a mutual fund scheme. There are two options – REGULAR PLAN or DIRECT PLAN

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Let’s know – What is a regular plan mutual fund, and what is a direct plan mutual fund?

Regular Plan mutual fund investment –

When we buy mutual funds from a mutual fund DISTRIBUTOR or a mutual fund agent selling ADVISOR or mutual fund, which includes the
advisor/distributor/ agent’s COMMISSION So this type of investment is called a regular plan investment.

The point of note is that such a distributor/advisor/ agent has an ARN registration number, and the Mutual Fund Company will help these agents and advisors and distributors to sell more and more people to their scheme. Takes it. And is called mutual fund intermediary

These mutual fund intermediaries (AGENTS) get between 0.5% to 1.5% of the amount invested by the investor in the form of fees or COMMISON,

Like – if I invest Rs 5000 every month in REGULAR PLAN then 05.% to 1.5% i.e. 25 rupees to 75 rupees or with agents between COMMISON

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DIRECT PLAN

In the DIRECT PALN mutual fund, the investor buys a mutual fund scheme direct from the Mutual Fund Company (AMC), there is no agent or DISTRIBUTOR in between,

And thus in the DIRECT PLAN we do not have to give any kind of COMMISON or fees, we can invest our entire money,

If you keep a little bit of information in mutual fund investment, then you can buy mutual funds directly from the company, and you can take full advantage of the investment by saving your expenses as COMMISSION, you will be able to invest in ZINU Can invest in the Direct Plan by the service, and can take full advantage of the investment by controlling the expense of your investment.

MUTUAL FUND INVESTMENT APPLICATION FORMS AND FORMALITIES

After the CLEAR of the purpose of mutual fund investment, money, profit and investment options, in order to invest a mutual fund scheme, we have to fill some form for mutual fund investment.

You can fill it in PHYSICAL FORM, which is given by the Mutual Fund Company, i.e. filling the offline form and giving it to a mutual fund company or agent.

Or if you are investing in ONLINE mutual funds, you have to do E-KYC, and you can send the mutual fund form and its application by filling out the online company.

MUTUAL FUND INVESTMENT TRACKING NAV

In this way, when you fill out a mutual fund investment form, your mutual fund investment begins. And if you have opted to stay invested through SIP, you should keep in mind that the bank account ACCOUNT that you submitted in SIP has enough ACCOUNT BALANCE before SIP in the account before DATE.

Also, you should periodically look at the NAV of your mutual fund. Which you have been or should know if the mutual fund is giving the benefit to meet your investment goals.

At the same time, you should also remember that mutual fund investment is an investment linked to the stock market, and the stock market profit goes down significantly below the short term, so you can invest your investment NAV on a WEEKLY, or MONTHLY report Compare whether or not you get the benefit according to your needs.

ALL DONE- HAPPY INVESTING

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