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Regardless of if you are about to retire, or have just launched your career, it’s essential that you spend some time thinking about how you’re going to fund your retirement. To do this, there are two key questions you need to ask yourself: How much money am I going to have when I retire, and how would I like to receive that money?

The most common way to determine how much money you’ll have is to use a pension calculator. Based on information you input about such things as your current salary, your savings and how long you have left until you retire, such a tool will be able to calculate how much money you can expect to receive when you do finally call time on your working life. Not only that, but it’s also a great tool for allowing you to see if you need to adjust the amount you’re saving towards your pension now, in order to have an adequate sum for your retirement. Continue reading ‘How Will You Fund Your Retirement?’ »

As an alternative to target retirement date or risk based mutual funds, many open architecture 401(k) providers allow retirement plan advisors to create their own managed models for inclusion within a plan’s investment menu. One of the reasons for doing so is the ability to create an asset allocation strategy that utilizes investments from multiple investment managers. A number of these advisor-managed models often include a passive investment component, i.e., index mutual funds. The popularity of these ‘passively managed’ offerings–beyond their ability to consistently generate market-like returns–lies in their relatively low cost.

Continue reading ‘ETF vs Index Fund’ »

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For parents or grandparents, there are few things in life more important than funding for a loved one’s college education.

Throughout the years, folks have selected mutual funds as the primary vehicle when saving for college costs. Although there are many variations of mutual fund based plans-from the traditional brokerage account to the newer 529 plans; there is even a Education IRA that is popular as well. The latter plans were developed so that a person could save for college, using after tax money and based upon the underlying mutual funds, the person could enjoy tax-deferred savings Continue reading ‘Help Fund a Loved One’s Education’ »

This fund was launched by the SBI mutual fund, to give the investors, a high opportunity for growth. It is one of the 5 Magnum Sector Funds umbrella launched by SBI. The funds were mostly invested in the equities which is a high risk investment. Only 0 to 10% of the funds were invested in other money markets.

SBI contra fund is a open ended equity scheme which invests in equities which are out of favour in the market. This fund was launched in 1999, with a minimum application amount of Rs 3000. There is no entry load for investing in this fund. But if you withdraw your fund within one year of investment, then you will be charged 1% of the amount as exit load. If you withdraw your amount after one year, then you will not be charged any exit load.

Continue reading ‘SBI Mutual Fund Systematic Investment Plan’ »

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Systematic investment plans are a systematic and disciplined approach to investment and wealth creation. Instead of making a large investment at one time, in SIP you can invest small sums at regular intervals thus creating a habit of regular savings. If you are a big spender and find your expenditures are more than your earnings then go for SIP mutual funds. This will force you to spend at least some part of your earnings every month. Mutual funds are a very safe way of investing money and SIP mutual funds are even better. These are perfect solutions to most of us who cannot afford to make a large investment at one go. This is a good way to save for your child’s education, marriage or comfortable retirement for you and your spouse. The lowest start up investment amount is 500 rupees per month which is affordable by most people.

State Bank of India is one of the most trusted public sector banks in India. If you are a beginner in investment then SBI SIP plans may be good option for you. Here are some SBI SIP mutual funds available.

Continue reading ‘SBI SIP Mutual Fund Details’ »

Regardless of if you are about to retire, or have just launched your career, it’s essential that you spend some time thinking about how you’re going to fund your retirement. To do this, there are two key questions you need to ask yourself: How much money am I going to have when I retire, and how would I like to receive that money?

The most common way to determine how much money you’ll have is to use a pension calculator. Based on information you input about such things as your current salary, your savings and how long you have left until you retire, such a tool will be able to calculate how much money you can expect to receive when you do finally call time on your working life. Not only that, but it’s also a great tool for allowing you to see if you need to adjust the amount you’re saving towards your pension now, in order to have an adequate sum for your retirement. Continue reading ‘How Will You Fund Your Retirement?’ »

One of the most important and sometimes overlooked strategies to maximize giving at your benefit auction is to include a “Fund-A-Need” program. Charities around the world have been utilizing this method to energize their auctions and inspire their guests, increasing their revenues dramatically. This program should address a specific need of your organization and directly involve the donors in your cause, making them feel a greater commitment to your organization. If done correctly, you will never regret it.

So why should you utilize a “Fund A Need” program? Shouldn’t the auction be sufficient to draw in the donations that will be available? One of the reasons is that there will always be “losing” bidders at your auction. These guests came and attempted to give their money to your organization but the potential donation is still in their pocket. Occasionally, there will also be guests who are not fond of the competition of an auction or are not interested in the items for sale. They are also there to give, but need another means to do it. The direct appeal for a specific need allows every type of giver to become involved. It does not limit participation to those at certain levels of giving. Surprisingly, more money is often raised during the “Fund-A-Need” program than throughout the auction itself. Just as important, it inspires the guests at your event and makes them more aware of your organization’s needs.

Continue reading ‘Benefit Auctions – Why You Should Include a Fund-A-Need Program’ »

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Are you planning to invest in mutual funds? Do you want to know about reliance mutual funds? Would Reliance schemes prove beneficial to you? If all these questions are hovering in your mind that are preventing you from investing in any of the mutual funds, then, this article may prove useful to you. Reliance schemes are the most convenient and reliable mode in which one can invest its hard earned money. The company invests the money invested in these funds into equity market or fixed income securities so that the investor is able top make some income out of them.

One can purchase these schemes by enclosing a demand draft or a cheque payable at the branch of the place where application is to be submitted. Reliance provides its investors with various plans and schemes meeting the budget and requirements if all its investors. Closing net asset value is calculated till the day when application is received provided that the application is received before 3 pm. If the application is received after 3 pm, the next business day would be applicable.

Continue reading ‘Reliance Mutual Fund Schemes Details’ »

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A tax free money market fund is a great way to balance your portfolio especially if it is equity heavy. In this current economic scenario, there is a lot of uncertainty. Therefore, it makes sense to park some money in debt funds like government securities and money market funds.

A money market fund is usually a mutual fund which invests its assets in short term debt instruments like cash or cash equivalent securities. These funds are usually used as short term investments until the time you have found a suitable option to invest your money. This is particularly good option in recent times when the investors are waiting for the markets to bounce back. Once the Bull Run starts, investors can take out this money from money market funds and invest them in equity funds or other high yielding avenues.

There are various types of such instruments like Certificate of deposits, commercial paper, U.S. Treasuries, repurchase agreement etc. These funds come in two varieties which are taxable funds and tax free funds. As the name suggests, the taxable funds are taxed during maturity while the tax free money market funds are exempted from tax.

Continue reading ‘Tax Free Money Market Fund’ »

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There are many types of mutual fund available in the market. Broadly, they can be divided into Equity Funds, Debt Funds and Balanced Funds.
Equity Funds
These funds invest a major part of their portfolio in stocks or equity-related instruments. Equity mutual funds are ideal for investors who want to invest in the stock market. Some of the types of equity funds available in Indian mutual fund market are:
Diversified Equity Funds: Diversified equity funds invest in stocks of different companies across sectors.
Equity Linked Savings Scheme (ELSS): Equity Linked Savings Scheme or Tax-saving funds as they are more popularly known, invest in stocks and equity related instruments and have a lock-in period of three years. These funds offer tax benefit under Sec 80 C of Income Tax Act.
Index Funds: Index funds invest in same stocks and in similar proportion to base index. Performance of index funds is more or less similar to that of underlying index.
Sectoral Funds: These funds invest in a particular sector or industry of the market according to the investment objective of the fund.
Debt Funds
Debt funds are mutual funds which invest in debt papers issued by government, private companies, banks and financial institutions. These funds are ideal for investors who seek fixed income. Types of Debt funds available in Indian market are Gilt Funds, Income Funds, Monthly Income Plans, Short Term Plans and Liquid Funds.
Balanced Funds
Balanced Funds invest in equity and debt market. These funds are ideal for investors who want safety of income with capital appreciation over a long-term.

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