Investiyo is an owner-managed investment management company. Since our beginning, we have focussed on providing investment management services
Since our beginning, we have focussed on providing investment management services for Individual investors. We are committed to building a long-term relationship with you as we are an active, research-driven investment management company. We believe that value unfolds over the medium to long term therefore aiming to build a long-term partnership with our clients. At Investiyo we bring together cut
01/01/2018
Wishing you all our supporters a very Happy, a very prosperous and a very successful New Year from our entire team at
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01/01/2018
Wishing you all our supporters a very Happy, a very prosperous and a very successful New Year from our entire team at Investiyo
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25/12/2017
Wishing you all our supporters a very Happy & a very Merry Christmas from out entire team at Investiyo
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What is the difference between Equity and Debt fund?
“Aren’t all Mutual Funds the same? After all, it’s a Mutual Fund, isn’t it?” Asked Gokul. His friend Harish, a Mutual Fund distributor, smiled. He was all too familiar with such a remark coming from many.
A large number of people carry the misconception that all Mutual Funds are the same. There are various types of funds, chief among these are equity funds and debt funds.The difference between the two comes from where the money is invested. While debt funds invest in fixed income securities, equity funds invest predominantly in equity share and related securities. Both equity and fixed income securities have different characteristics that determine how the respective schemes would behave.
Different investors have different requirements. Some need high returns to achieve their goals, whereas some cannot afford to take high risks. Some investors may have long-term goals, whereas some may have short to medium term goals. An investor must choose an equity fund for long-term goals and debt funds for short to medium term goals. Equity funds have the potential to offer higher returns, but with risk, whereas debt funds offer relatively stable but moderate to low returns.
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14/11/2017
Can NRIs invest in mutual funds in India?
Yes, Non-Resident Indians (NRI) and Persons of Indian Origin (PIO) can invest in Indian Mutual Funds on a full repatriation as well as non-repatriation basis.
However, NRIs would have to comply with all regulatory requirements such as completion of KYC before investing. It should however be noted that a few countries such as US and Canada have restricted investments by NRIs in Mutual Funds without relevant disclosures. NRIs from these countries, thus need to check once with their advisor on feasibility of investing in Indian funds before actually investing.
NRIs are provided most of the benefits and conveniences of resident Indian investors while investing. They can invest through SIPs, they can switch as per their convenience, they can opt for growth or dividend options and can repatriate the redemption proceeds whenever they want to.
Thus NRIs and PIOs can invest and enjoy the full benefit of investing in a wide variety of Indian Mutual Fund schemes.
To find out more in detail, click on the link in our bio.
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14/11/2017
Can NRIs invest in mutual funds in India?
Yes, Non-Resident Indians (NRI) and Persons of Indian Origin (PIO) can invest in Indian Mutual Funds on a full repatriation as well as non-repatriation basis.
However, NRIs would have to comply with all regulatory requirements such as completion of KYC before investing. It should however be noted that a few countries such as US and Canada have restricted investments by NRIs in Mutual Funds without relevant disclosures. NRIs from these countries, thus need to check once with their advisor on feasibility of investing in Indian funds before actually investing.
NRIs are provided most of the benefits and conveniences of resident Indian investors while investing. They can invest through SIPs, they can switch as per their convenience, they can opt for growth or dividend options and can repatriate the redemption proceeds whenever they want to.
Thus NRIs and PIOs can invest and enjoy the full benefit of investing in a wide variety of Indian Mutual Fund schemes.
To find out more in detail, click on the link in our bio.
If you are looking for investing options kindly contact us at Investiyo.
You can call us on – 8114488950/9783333357
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You can just drop us an email at our email id and we’ll give you a call-back!!
10/11/2017
What percentage of salary should a 25-year-old invest and where?
Being a 25-year-old, you may have mixed feelings about your financials. At this age when you start to earn you feel like spending on anything and everything, at the same time you think about having a financially secured future. However, this is completely natural and to tackle this it is very important to start investing right from the beginning.
The first challenge is to strike the right balance. Often you might be feeling how to manage all the corners so that everything is balanced. It is not a rocket science, but just a simple logic. Divide the salary into three sections namely Expenditure, Emergency funds, and the Investments.
What should be the ideal composition of the salary?
While the Expenditure part of the salary will deal with all kinds of expenses be it house-rent, conveyance charges, ration, bills, shopping expenses, or other miscellaneous expenses. This is the most critical component because you often tend to get wooed and end up making this portion equivalent or in some cases even larger than your entire salary. So it is very important to regulate it and assign a fixed amount to it and manage everything within that amount only.
The second component is Emergency funds. In this component, you tend to save a small amount each month regularly to be used up in cases of emergencies. This would help you by saving on the personal loans which you would have opted otherwise in the case of emergencies. Maintain this component regularly with discipline and do not touch these funds until you actually face an emergency.
The last and most important component for a financially secured future is Investment. In the Investment component, you invest a fixed part of your salary into different assets across a diverse portfolio. This component is responsible for your financial security and wealth accumulation. You must take this really seriously right from the beginning of your earning days. Saving in mere Fixed Deposits will not help, you should rather diversify across different assets. This will help you accumulate wealth, manage taxes and financial freedom.
What should be the percentage of these components for a perfect balance in financials?
If you wish to strike a perfect balance in your financials there must be a disciplined approach in which you contribute a fixed amount to these components. The following is the ideal percentage composition of your monthly salary:
Expenditure: 70% of the salary
Emergency funds: 5% of the salary
Investments: 25% of the salary
Where should you invest the Investments component i.e. 25% of your salary?
Another important question which arises here is though it is now said the one should invest 25% of his/her monthly salary, but ‘where these funds should be invested?’
There are a large number of options available in the market where one can invest. This totally depends upon your requirements, duration of investment and the mainly the risk appetite. The thing which is important while making these investments is to have a diverse portfolio. Having a diverse portfolio will help you by dispersing the risk quotient and in case some areas are heavily downed you still have a few others to count on.
The Investment which is the 25% of your salary can be invested across the following:
SIP (Systematic Investment Plan)
Gold ETF (Exchange Traded Fund)
Stocks
Insurance
Fixed Deposits/Recurring Deposits (FD/RD)
Mutual Funds
Bonds and certificates
It is very important to be updated with the market trends, have a thorough research and analysis to get better returns. If you wish to invest for long terms in the stock market, go for the business rather than looking at the price of the stocks. This will be very beneficial for you with lower risks. Also, if you plan to opt for a Mutual fund look for the profile of the fund’s manager and the performance of the funds.
Apart from wealth accumulation manage your investments from the point of view of tax deductions as well. Various investment assets like mutual funds, SIPs, insurance etc. could be very helpful in the tax management.So think wisely, look for your requirements and preferences and start investing for a brighter future.
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Is investing in Mutual funds better than fixed deposits?
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08/11/2017
Are there penalties if I choose to withdraw earlier?
Every open ended scheme offers liquidity with almost complete freedom, i.e. no restriction on time or amount of redemption. However, a few schemes may specify an Exit Load.
For example, a scheme specifies an exit load of 1%, if redeemed within 1 year. What it means is that, if an investor has invested on April 1, 2016, any redemption done on or before March 31, 2017 would attract a penalty of 1% on the NAV. If an investor redeems on February 1, 2017 with the NAV at ₹ 200, then ₹ 2 would be deducted and only ₹ 198 per unit would be returned to investor.
All information on exit loads are usually mentioned in relevant scheme related documents. For instance, a fund fact sheet or key information memorandum would contain such information.
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Why invest in gold funds when we can invest in gold?
A Gold ETF is an exchange-traded fund (ETF) that aims to track the domestic physical gold price. They are passive investment instruments that are based on gold prices and invest in gold bullion. In India, Gold is usually held in ornament form, which has a certain making and wastage component (usually more than 10% of bill value). This is eliminated when investing in a Gold Fund.
Buying gold ETFs means you are purchasing gold in an electronic form. You can buy and sell gold ETFs just as you would trade in stocks. When you actually redeem Gold ETF, you don’t get physical gold, but receive the cash equivalent. Trading of gold ETFs takes place through a dematerialised account (Demat) and a broker, which makes it an extremely convenient way of electronically investing in gold.
Because of its direct gold pricing, there is a complete transparency on the holdings of a Gold ETF. Further due to its unique structure and creation mechanism, the ETFs have much lower expenses as compared to physical gold investments.
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04/11/2017
Why invest through Mutual Funds & not directly in stocks or bonds?
Yes, it is “through” Mutual Funds and not “in” Mutual Funds. What is the difference?
You may indulge in buying and selling stocks and bonds once in a while, but taking help from Mutual Funds to manage your investments may be a much better idea.
When you invest through Mutual Funds, you invest in stocks, bonds or other investments indirectly with the help of professional managers. Instead of doing the tasks yourself, you pay a small fee and avail the services of a fund management company. These services include not just research, selection and buying-selling of various investments, for which a fund manager is well qualified, but also the accounting and administrative activities related to the task of investing, which many may not like to do themselves.
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What is Rs. 1000 good for?
Pizza, Movies or someday becoming Rich?
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