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Category:   Personal Finance

How to invest in index funds for retirement planning

Advait had just turned 23 when he began working with a large IT firm, which paid him a handsome salary. While his colleagues spent almost all their income on upgrading their lifestyles, travelling and partying, Advait was focused on setting aside and investing a portion of his salary each month. He had picked up this habit from his parents, who were both private sector employees – given the lack of a pension, they had begun allocating funds to their retirement corpus from the time Advait was young. And this helped him realise the importance of planning and compound interest when investing for financial goals such as secure retirement.

You may wonder why someone aged 23 should be so fiscally prudent, especially regarding retirement, which may appear so far off. As Pietros Maneos once said, “A penny saved is just a penny earned, unless of course you double that penny every day for 30 days, which is then $5,368,709.12.”

Retirement planning is a journey that must be marked by financial foresight, smart investment decisions, and a clear vision of a comfortable and secure future. You cannot invest all your money in riskier assets like equities in the quest for returns, and neither should you park all your funds in a fixed deposit, given the rising inflation and the comparatively low interest rates, which will end up eroding your wealth in the longer term. In investing, one strategy has gained considerable attention for its potential to help individuals achieve their retirement goals with lower costs and less stress, and that is index funds. Let us understand why index funds make an excellent choice for retirement planning.

What are index funds?

Index funds are a type of mutual fund or exchange-traded fund (ETF) that aims to replicate the performance of a specific market index, such as the Nifty 50. These funds are passively managed, meaning they do not rely on active stock selection by a portfolio manager. Instead, they mirror the holdings and weightings of the chosen index. The key principle behind index funds is simplicity – rather than attempting to beat the market, they strive to match its performance. This approach has several notable advantages that make index funds an attractive option for retirement planning.

Read: 7 things you must know about index fund


Index funds in retirement planning

First and foremost, index funds are known for their cost-efficiency. Since they do not require the expertise of active fund managers or extensive research, they typically have lower management fees and expense ratios, translating to more of your money working for you over time. For financial goals like retirement, which are usually a decade or more down the line, the lower costs depicted by index funds can be an enormous bonus since high fees can eat away at your corpus. Secondly, when you invest in index funds, your portfolio gets diversified automatically, given the broad market or segment exposure offered by benchmarks like Nifty 50. This diversification helps spread risk and reduces the impact of poor-performing individual investments.

Another advantage of index funds is their consistency. The objective of index funds is to track an index’s performance, and this consistency can be particularly reassuring for retirement planning, as it minimises the uncertainty associated with actively managed funds. The passive nature of index funds is also a boon for retirement funds because managing investments can be stressful, especially as you near retirement. Index funds require less active decision-making, reducing the emotional toll often associated with market volatility. A key aspect also revolves around the historic performance of many index funds, which have outperformed actively managed funds, especially large cap funds, over the long term, making them a reliable choice for building wealth for retirement.

How to invest in index funds

Investing in index funds for your retirement plan can be done simply and efficiently by –

  • Defining your retirement goals: Begin by determining your retirement goals, which involve setting the age at which you plan to retire, envisioning your desired retirement lifestyle, and estimating the income you will require during retirement.
  • Evaluating risk tolerance: Take into account your risk tolerance, which may be influenced by factors such as your age, financial circumstances, and comfort level with market fluctuations. Index funds offer a range of options, from conservative bond indexes to more aggressive stock indexes, enabling you to align your investments with your risk tolerance.
  • Selecting suitable funds: Conduct thorough research and choose index funds that best align with your retirement goals and risk tolerance. Look for funds with low expense ratios and a track record of effectively tracking their respective indexes.
  • Opening an investment account: Open an investment account with a brokerage or financial institution. Many online platforms provide easy access to a wide variety of index funds.
  • Emphasising diversification: While index funds inherently offer diversification, you can further diversify your portfolio by investing in multiple index funds that represent different asset classes, such as stocks, bonds, and international markets.
  • Establishing automatic debits: Consistent contributions over time can help your retirement savings grow steadily. Set up automatic transfers to your investment account to ensure that you consistently add to your portfolio and benefit from the power of compounding interest.
  • Rebalancing when necessary: Regularly review your portfolio and rebalance it, if required, to maintain your desired asset allocation. Rebalancing ensures that your investments stay in line with your long-term goals.

Retirement planning is a journey that requires careful consideration, sound strategies, and disciplined investing, and index funds have emerged as a powerful tool. By embracing index funds and aligning them with your retirement goals, you can enhance the likelihood of achieving the comfortable and financially stable retirement you deserve. Remember, the key to successful retirement planning is starting early, staying committed, and making informed investment decisions along the way.

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What Happens When There is No Nomination in Mutual Funds

If you are reading this, there is a high chance that you know about mutual funds or have already invested in mutual funds. Mutual funds are investment vehicles that pool investors’ money together and invest in a diversified portfolio of securities, such as stocks, bonds, and other assets. One key aspect of mutual fund investing is the nomination process. This is the process that allows investors to designate a person or entity to receive the benefits of their investments in case of their untimely demise.

However, we have seen many instances where investors may fail to nominate a person to receive their mutual fund holdings after death. Moreover, they might need to remember to update their nominee details after marriage. This can lead to various complications and legal issues, as the distribution of the deceased investor’s assets may be subject to lengthy legal battles or delays. In such cases, the mutual fund company may be required to freeze the investor’s account until the rightful heirs are determined, resulting in a loss of investment opportunities and potential gains.

In this article, we will look at the steps you need to take to claim the mutual fund units when there is no nomination so that mutual fund investments are seamlessly transferred to you after the death of your loved one.

Here are the documents that you will need to make a claim:

  1. Transmission Request Form (Form T3) for Transmission of Units to your account
  2. Death Certificate of the deceased unitholder(s) in original or photocopy duly attested by a Notary Public or a Gazette Officer.
  3. Copy of PAN Card or guardian if the claimant is a minor.
  4. KYC Acknowledgment or KYC Form of the claimant. In the case of a minor, the claimant form of the guardian will be required.
  5. Cancelled cheque with your name pre-printed or a copy of your recent bank statement or passbook. It should not be more than three months old.

In addition to these documents, you will need to take care of a few formalities depending on the amount of money you are claiming. The process is a little easier if the amount is less than ₹ 2 lakhs.

Here are additional requirements if the transmission amount is up to ₹2 Lakh:

  1. The Bank Manager needs to verify your signature, as indicated in Annexure-Ia. In the case of minors, the guardian’s signature must be verified (for an account in the minor’s name or a joint account with the guardian).
  2. Any appropriate document that indicates the relationship between you and the deceased investor.
  3. As per Annexure-II, Bond of Indemnity needs to be provided by all legal heirs to transfer ownership of units without a legal representative. However, the bond of indemnity is not required if you submit the Succession Certificate or Probate of Will or Letter of Administration where you are named as a beneficiary. In this case, an affidavit as per Annexure-III is sufficient.
  4. Each legal heir must submit an individual affidavit, as stated in Annexure-III, to be recognized as an heir.
  5. The NOC from other legal heirs as per Annexure-IV should also be provided, as applicable.

Now, if the transmission amount is more than ₹2 lakhs, in that case, you need the signature on the transfer to be attested by a Notary Public or a Judicial Magistrate First Class (JMFC). If the claimant is a minor, then the signature of the guardian needs to be attested.

In addition to that, individual affidavits need to be given by each legal heir along with a notarised copy of the probated will or succession certificate or letter of administration or court decree in case of Intestate Succession.

So, it is best to nominate the right person so that your beneficiaries don’t have to undergo all these tedious processes. And, if you are the heir, you can request them to check if they have nominated the right person and revise it if it needs to change.

Recently, the market regulator, The Securities and Exchange Board of India (SEBI), has made a new rule which states investors should submit a nomination or give a signed declaration to opt out of the nomination. This option will be available to investors who subscribed to mutual fund units on or after August 1, 2022. The folios will be frozen for investors who don’t comply with it. The deadline for this exercise is March 31, 2023.


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SEBI asks brokers to refund customers unused funds every quarter

In a move that is seen as a big win for investors, the Securities and Exchange Board of India (SEBI), to ensure that investors’ money is not lying idle with brokerages, directed a mandatory rule. Under the new directive, if any money remains unutilized in a client’s account for more than 45 days, it will have to be transferred to the investor’s bank account within five working days from the first Friday of that quarter. This will help reduce the risk of misappropriation of funds by brokerages and also ensure that investors’ money is not lying idle.

This decision was taken at a meeting of SEBI’s board last week and aimed at protecting investors’ interests.

When did it start? 

It is important to note that this is not a new rule and was first introduced way back in 2012. However, it was not being followed by brokerages strictly, and hence SEBI has now decided to implement it strictly. Starting from the first Friday of this month, i.e. 7th October, all unused funds in trading accounts would be automatically transferred back to the investor’s bank account on a quarterly basis. The move aims to simplify the process for investors and reduce the risk of fraud.

“This will help investors as they would not need to worry about transferring funds to their trading account before making a transaction. This will also bring down the risk of fraudulent activities as brokers would not be able to use clients’ funds for other purposes,” said a senior SEBI official.

How does it work?

The regulator said that the move would help ensure that investors’ money is not lying idle with brokerages and will also help them earn some interest on their money.

This is a welcome development move by SEBI and will go a long way in protecting investors’ interests as it ensures that brokerages do not unnecessarily hold their money. It also aligns with SEBI’s efforts to protect investor interests and promote best practices in the securities market.

The move comes after SEBI received complaints from investors about brokerages holding on to their money without any reason. Under the new rule, if an investor does not have any outstanding positions or pending orders at the end of the day on the first Thursday of a quarter, the brokerage must transfer the unused funds back to the client’s bank account by the close of business on the following Friday.

What does this mean for investors? 

For investors, this move by SEBI is a big win. It will help them earn interest on their funds or use it as they see fit and make it easier for them to keep track of their money.

What are the benefits of this move?

Some of the benefits of this move include:

  1. 1. Improved transparency– By returning unused funds to investors’ bank accounts, brokerages will have to be more transparent about how they use client money. This will help to build trust between investors and brokerages.
  2. Greater fairness– Some brokerages may use client money for their own purposes without the client’s knowledge or consent. This practice will no longer be possible under SEBI’s new directive, ensuring that all investors are treated fairly.
  3. Less operational risk– When clients are allowed to withdraw their money if a brokerage fails, the latter will be encouraged to keep more funds in safe investments. This will reduce some of the risks associated with investing in stocks.

In conclusion, SEBI’s new rule requiring brokerages to transfer unused funds back to clients’ bank accounts on the first Friday of every quarter is a positive step for investors. This will help ensure that investors’ funds are not being used unnecessarily by brokerages and will give them more control over their own finances.

Consequences of disobeying the SEBI rules 

First of all, the brokerage will be fined. The amount of the fine will depend on the severity of the infraction. If it is a minor infraction, it may only be fined a few thousand rupees. However, if it is a major infraction, you could be fined up to Rs 1 crore. In addition to being fined, they may also have their license revoked. This means that the firm would no longer be able to operate as a brokerage firm in India.


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HDFC Ltd offers interest rate up to 7.05% on corporate FDs

In this article, we look at Fixed Deposits (FD) provided by HDFC Ltd. Corporate Fixed Deposit is a term deposit which held over fixed period of time. As we all know that Corporate Fixed Deposits offered by both financial and non-financial institutions. HDFC has the trust of over 10lakh depositorsand is one of the leading housing finance company. It offers high returns on Fixed Deposits up to 7.05% for general public and 7.30% for senior citizens. HDFC Ltd fixed deposit scheme are rated‘FAAA’and ‘MAAA’rating for its deposit by both CRISIL and ICRA for over 25 years indicates a high degree of safety.

Types of HDFC Fixed Deposit Schemes:

Monthly Income plan:

  • Minimum deposit amount for this plan is Rs.40,000.
  • The scheme provides monthly income and also interest is paid on the last day of every month.
  • This scheme is best suitable for senior citizens and housewives.

Non-Cumulative interest plan:

  • Minimum deposit amount required for this plan is Rs 20,000.
  • The scheme provides investor interest payout option quarterly and half-yearly.
  • The scheme is ideal to plan the fund requirement half-yearly or quarterly.

Annual income plan:

  • Minimum deposit amount is Rs 20,000.
  • Interest is paid annually.
  • This scheme is best suitable for the investor who wants to maximise returns and plan for annual cash flows.

Not only this, the above plan is available in fixed and variable interest rates. The monthly interest rates are directly deposited to investors account through ECS.

Annual interest rate (%) p.a.:

Period Monthly income plan Quarterly

option

Half-yearly

option

Annual Income plan Cumulative option
33 months 6.65 6.70 6.75 6.85 6.85
66 months 6.75 6.80 6.85 6.95 6.95
77 months 6.75 6.80 6.85 6.95 6.95
99 months 6.85 6.90 6.95 7.05 7.05
Minimum

 Amount(Rs.)

40000 20000 20000 20000 20000

FD Interest rates of deposits up to Rs.2crore w.e.f. 27 June 2022.

Features of HDFC Fixed Deposit scheme:

  • Quick loan facility: Depositors can avail loan against FD after 3 months from the date of deposit and up to 75% of the deposit amount.
  • Senior citizens are offered additional interest 0.25% p.a. on all FD products.
  • Nomination Facility available.
  • Renewal and Repayment of deposit: In case of renewal, the depositor has to submit the signed application form and the discharge deposit receipt is required to be surrendered to HDFC for renewal or repayment of deposit.
  • Tenure: The tenure of this Fixed Deposit ranges from 12 to 120 months. Also one cannot change the tenure once it is commenced.
  • Electronic clearance service facility.
  • Highest safety with attractive returns.
  • TDS: No TDS on interest credited up to Rs 5,000 per financial year. Also submission of PAN card is mandatory.
  • Additional payments: Investors cannot deposit additional amount once commenced. However they can open a new HDFC Fixed Deposit account with new amount.

Pre-Mature withdrawal facility:

Deposits cannot be pre-maturely withdrawn before 3 months from the date of deposit.

After 3 months but before 6 months the interest of 3% shall be charged and after 6 months but before the date of maturity interest payable shall be 1% lower than the interest rate applicable on public deposits for the period in which deposit run.

Eligibility to open HDFC Fixed Deposit account:

  • Resident and Non-resident individuals.
  • Trust and institutions.
  • HUFs.
  • Companies and Partnership firms.

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LIC Housing Finance corporate FDs offer interest up to 6.95%

Corporate Fixed Deposits are offered by both financial and non-financial company. In this article, we look at LIC Housing Finance Ltd. which is one of the biggest housing finance company in India. It offers higher interest rates than other bank fixed deposits up to 6.95% for general public and 7.20% for senior citizens. A variety of rating organisations, like as ICRA, CARE, CRISIL and others, frequently grade these term deposits in terms of safety of capital and credibility.

Features of LIC Housing Finance Fixed Deposit:

  • Highest Credibility ratings: LIC Housing Finance Ltd. fixed deposits carries FAAA/stable by CRISIL that indicates high degree of safety and has strong chance of timely repayment of interest and Principle amount.
  • Minimum deposit amount needed for this Fixed Deposit is Rs. 20000 and thereafter in multiple of Rs.1000. in case of Cumulative deposit scheme.
  • In case of Non-Cumulative scheme the minimum amount need for monthly interest payment is Rs.2lakh and multiples of Rs.10000 thereafter. And for annually interest payment option the minimum amount required is 20000 and in multiples of Rs.1000 thereafter.
  • Auto-Renewal facility is available.
  • Flexibility: Interest is payout on monthly or annually.
  • Tenure: 1year to 5 years.
  • Loan facility: Depositor can take loan up to 75% of the amount of Fixed Deposit.
  • Auto-repayment facility: auto-repayment is also available wherein deposit amount is paid annually to the designated bank account.
  • Compounding Power: Interest is compounding annually and paid on maturity along with the principle.
  • NRIs can open an account for 3 years.
  • Nomination facility available.
  • Wide range of fixed deposit schemes available.

Pre-Mature withdrawal of LIC Housing Finance Ltd. fixed deposit:  Interest should not be paid if the deposit is withdrawn before 3 month. If deposit is withdrawn after 3 months and before 6 months, depositor will get 3% interest and if the amount is withdrawn after 6 months or before maturity interest is paid 1% lower than the interest rate applicable to the deposit for which FD remain with the company.

Annual Interest rates of Fixed Deposit:

Tenure Cumulative Interest rates(%) p.a. Non-Cumulative

Monthly(%)

Non-Cumulative

Yearly(%)

1 year 5.95 5.80 5.95
2 years 5.95 5.80 5.95
3 years 6.50 6.35 6.50
4 years 6.65 6.50 6.65
5 years 6.95 6.80 6.95

Interest rates w.e.f. 20 June 2022.

Factors affecting LIC Housing Finance Ltd Fixed Deposit:

There are various factors that affect the fixed deposit interest rates and these factors are Economic conditions, Rise in prices, Recession, and RBI Policies.

Eligibility to open Fixed Deposit account with LIC:

  • Individual
  • Partnership
  • Company
  • NRIs
  • Joint account Minor with guardian

Any association or Institute


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How can legal heirs of the deceased file income tax returns?

It is surprising but true that a person is taxed even after he is no more. If a person at the time of death has earned income exceeding the threshold limit ( i.e. >INR 2,50,000), he is still liable to file an Income Tax Return (ITR). Are you wondering who will be accountable for this? Well, look for section 159 of the Income Tax Act.

According to section 159 of the Income Tax Act, the deceased person’s legal representative will be liable to pay any sum that the deceased would have been liable to pay if he had not died.

This section further elaborates that:

●      The legal heir/representative shall be deemed to be an assessee. The heir will be responsible for paying tax on income of the financial year from the beginning to the deceased’s date of death.

●      The liability of the legal representative is limited to the extent of assets inherited from the deceased. If the deceased’s assets are valued at, say, Rs1,00,000, and liability is Rs 1,20,000, then the heir will only be responsible for Rs 1,00,000. The legal heir is not liable to pay anything from their pocket. 

●   Before filing a return, the legal representative has to register himself as a legal heir of the deceased.

Steps to register as  a legal heir/representative of the deceased 

To file an income tax return of the deceased person, the legal heir/representative must get registered. To get registered, here are the exact steps to follow. 

Step1: Go to the government’s official website for e-filing of the return—login to the e-filing portal using the heir’s credentials.

Step 2: In the top left corner, under “my account”, choose “ Add/Register as Representative.”

Step 3: In the “Request Type” option, choose the “New Request” option.

Step 4: Next, select “ Register yourself on behalf of another person” for the option “Add/Register as Representative.”

Step 5: Now, click on the highlighted “Proceed” option at the bottom.

Step 6: For “Category to Register”, select the “Legal Heir” option. Then, click “Proceed” again.

Step 7: Provide all the necessary details asked. These are the PAN of the deceased, date of death, surname, middle name and first name of the deceased as per PAN.

Step 8: Select the files you wish to upload. These include a copy of the PAN card of the deceased, a copy of the death certificate, a legal heir certificate issued by the court/local authority or surviving member certificate or pension order or registered will, and a copy of the PAN card of the legal heir. 

Step 9: Put all the files in a zipped format and upload them by clicking the ‘Submit’ button. Make sure that the size of the zipped folder is less than 1 MB. 

Step 10: Wait for the confirmation message after submitting all the details. 

Approval of the registration process

The request of the legal heir to be registered will be sent to the E-Filing administrator for approval. The administrator will carefully verify the documents attached. Based on the authenticity of the files, the administrator will approve or deny your request to register as a legal representative.

If the request is approved, it signifies your request as the “legal heir” is accepted. Once confirmed, the legal heir can perform all the services as a “legal representative”. 

If the request is denied, the portal will display the reason for rejection. It may happen for several reasons, including filling in wrong information, uploading false documents, etc. 

If you wish to check your registration status, follow the exact first six steps mentioned above. Clicking on “Proceed” will give you the registration status, i.e. accepted or denied, and reasons if rejected. 

Filing of return as legal heir/representative

Once the registration process is successful, the representative can file ITR on behalf of the deceased. And, the return will be filed in the same way as a regular person. 

The legal heir would be required to verify the ITR. Verification can be done through two procedures. The heir can send a copy of the ITR acknowledgement to the central processing centre after signing it. Or, the representative may verify it electronically through OTP by registering their phone number.

It is important to remember that if a deceased person has any dues such as interests, penalties or tax dues, the legal heir would be responsible for paying the same. However, their liability to pay the pending amount is not unlimited. It is limited to the value of assets acquired from the deceased person. 

Top 9 ways to build wealth

Are you passionate about building and creating your wealth? Here are the nine steps to get you started.

Wealth creation is not a single recipe that works for everyone. Like everything else, it requires hard work, patience and proper planning.

Dreaming big is human nature, and accomplishing those dreams takes time. If you don’t have financial goals, it is still a good idea to build wealth to take care of your future goals.

To make wealth in the long-run, one needs to have a well-thought-out financial plan.

This article will look at the nine easy ways to build wealth and achieve desired goals.

Settle your bad loans

Before starting anything new in your financial life, you must try to settle down your bad loans, such as pending credit card dues and personal loans. These bad loans are expensive and don’t provide any value to your wealth.

Focus on saving

The next step you can choose is to work on a financial strategy that helps you focus on saving. After deducting all your debts and necessary expenses, regularly monitor your spending and earnings to adopt a savings habit. When you first get your salary, keep a decent amount aside and forget about it. Such a saving strategy may work as a brilliant saving strategy for you.

ways to build wealth

Live within your means

It is impossible to generate wealth if you spend more than you earn. It would help if you learned to spend less than you earn. It will help if you practised budgeting to track your spending and income, which can help you in understanding where you have to control your spending, or if you need to generate an extra source of income.

Creating emergency fund

Creating an emergency fund is the most underrated way of making sure that your plans don’t go haywire. Emergency funds can save you from losing money and prepare you for unpleasant surprises in life. If you do not have emergency funds, unexpected expenses can make you redeem your investments earmarked for other goals.

How to build wealth-Invest money to build your skills

Money spent on enhancing your skills related to your field or acquiring skills in the relevant area that has the potential to earn a better income than current ones can favourably affect your financial life. Learning skills improve your efficiency in office work and make you worthwhile for an upper position in your existing company. You can justify the increment to your company and get a promotion accordingly.

Open a room for investments.

Besides saving, strategically investing in a disciplined manner may be one of the best ways to create your wealth. As per the 50:30:20 budgeting rule, at least 20% of your income can be invested in different investment options that may give you decent returns on your investments. You can also increase your investment portion to suit your financial goals.

Have a diversified portfolio

When you diversify your portfolio, you include a wide range of asset types. Diversification can assist in decreasing portfolio risk by ensuring that the performance of one asset or asset class does not influence the whole portfolio.

You don’t want your investment portfolio’s performance to depend on a single asset or business, so you may reduce your risk by investing in various companies or even other asset classes.

Furthermore, depending on market conditions, various asset classes — and even different investment options within the same asset classes – respond differently. Because you have a diverse range of assets in your portfolio, if one component is down, your entire portfolio isn’t necessarily down.

Take insurance

Taking insurance is the most important way to protect wealth. Buying health insurance is one way you can protect your financial distress because of hospital expenses. Also, it is essential to take adequate life insurance to make sure that your family members can live comfortably after your untimely death.

Increase your sources of income

If you dream big, having more than a single source of income can help. So, if you have the opportunity and skills, you can look at building passive sources of income to supplement your primary income. This will help you build wealth and achieve your financial goals faster.

Conclusion: In this article, we gave you nine different ways to build wealth. Within these nine ways are many simple steps to build wealth. To build wealth, you will need to take action. However, remember that your situation is unique, and you may need to tweak some of these suggestions to match your situation better.

Want to build a corpus for your child’s higher education? Start now!

You want the best for your kids, don’t you? But how will you do that? How can you ensure your child gets the best education money can buy? Easy, all you have to do is start building a corpus now. But what if we told you that there’s a simple way to build a corpus for your child’s higher education?

Building a corpus for your child’s higher education is the best way to see that they don’t have to struggle or worry about the money needed when the big day comes.

Here are some simple steps that can help you build a corpus for your child’s higher education:

Know Your Target Amount

The first thing you need to do is fix the amount they would need to accumulate for their child’s higher education. You can find out this by considering the future inflation rate, cost of education, etc. and then plan how much you need to invest every month or year to achieve this corpus.

While it may be difficult for you to foresee your children’s future career choices, you may nevertheless pick two or three attractive options and learn about their current prices. Inflate the most expensive of them by multiplying their current cost by the number of years left in your child’s further education.

You can use the mutual fund SIP calculator to get an estimate of your savings.

This would help you plan and be prepared for all your children’s dreams and aspirations in life.

Start Investing Early

If you want to build a corpus for your child’s education, it is vital to start early.

Education inflation has been 10-12% over the years, double that of household inflation. Just imagine how much more expensive it will be by the time your child passes out of school!

If you want to accumulate Rs. 50 lakh for your child when they turn 18, and assuming that your child is now five years old, your monthly SIP amount would be around Rs.14,000 per month. We are assuming that you have invested in an equity fund that offers an average of 12% per annum.

But, if you start when your child is 15 years and assuming the same rate of return, you have to invest a monthly SIP amount of over Rs. 1 lakh. However, if you have such a brief period left, it won’t be a wise decision to invest in equity funds, and you might have to save your money in a less volatile fund such as debt funds.

It is clear that you will need a substantial sum of money to fund your child’s higher education. As a result, it is critical to get started early to save money for the future. Recognize that getting a higher education is a non-negotiable aim. It means you won’t be able to postpone it.

As a result, getting started early is preferable because it offers you more time. The task will become more difficult for you with each passing year.

Invest in Equities for Returns That Outperform Inflation

You must begin investing in shares to build the needed corpus. This is because, as an asset class, they can outperform inflation in the long run. Systematic Investment Plans (SIPs) in equity mutual funds are a smart approach to dabble in equities to build a higher education corpus. SIPs allow you to start small and stay invested throughout market cycles, critical for building wealth.

If you aim to build a corpus of Rs. 50 lakhs in 15 years, a monthly SIP of just over Rs. 10,000 in a fund with an annualized return of 12% can help you reach your goal. Since previously stated, the sooner you begin, the better, as you will gain from the power of compounding.

Establish A Strategy for Asset Allocation

Asset allocation is the process of spreading investments among different asset classes, such as equity, debt instruments, and gold, based on risk appetite, time horizon, and other factors. Because equities can be quite volatile in the short term, parents with a moderate risk appetite should only invest in equity funds when their children’s education is over five years away. Equity hybrid funds are suitable for those with a modest risk appetite. If your youngster is three years away from completing their higher education, invest in debt funds.

As The Date Approaches, Gradually Shift to Debt

While aggressive equity investing might help you amass the funds you seek, it’s also critical to prevent your investments and gains from being eroded by market volatility. As time approaches, it is recommended to shift the corpus to debt investment options, such as debt mutual funds or fixed deposits.

When your child has less than three years to start higher education, you can gradually withdraw the assets from equity mutual funds and invest them in debt funds. In mutual funds, you can consider a Systematic Transfer Plan (STP), which involves withdrawing a fixed amount from an equity fund and investing it in a debt scheme run by the same fund house.

Shifting to debt funds and even bank fixed deposits can also help you earn some extra money that adds up in the end. While returns from debt funds may vary, fixed deposit provides fixed returns.

Conclusion

Building a corpus for your child’s future is a long-term investment. Investing in the right asset classes early on can help your child build a healthy corpus to take care of their higher education needs. It is important to allocate your investment mix early so that the corpus keeps growing more than the inflation rate.

Gradually shift towards debt instruments as you are nearing your target corpus amount.

Top 5 financial requirements you need to have in 2022

Everyone wants to simplify their lives, especially their financial lives. If you’re going to get started with planning your money matters or focus on the essential things and reduce the clutter, you have come to the right place.

It’s important to build a solid financial plan because it helps you reach your financial goals and provides security for you and your family.

While investing and buying in the right financial instruments for your portfolio is important, having all the elements in place is also essential. If you are serious about long-term wealth creation, it is essential to pay attention to these five aspects: emergency fund, equity funds, diversified portfolio, term insurance and health insurance.

Let us look at these elements one by one:

Emergency Fund

An emergency fund is a must-have. You never know when a major expense could hit — you need your car repaired, or someone in your family is sick and needs expensive medical treatment. You could lose your job and have no income for several months.

In these circumstances, an emergency fund will come to your rescue.

You should always keep at least six months of your monthly expenses in liquid assets. It means maintaining cash or putting money in a savings account or liquid fund, which you can access easily.

However, the amount of funds you would want to be parked in an emergency fund would depend on your current liabilities. If you are fresh out of college and have started working, you may not need to park as much money as someone who has elderly parents and dependent children to look after.

If you have dependents, existing loans, the ideal size of your emergency fund can be between 12 and 18 times your monthly expenses. For example, if your monthly expenses are Rs 1 lakh, your emergency corpus should be between Rs 12 lakh and Rs 18 lakh.

Equity Funds

It is essential to have emergency funds; you cannot ignore equity funds. Equity funds help you plan for your long-term financial goals. Equity funds are essential as these funds have the potential to give higher returns than the other asset classes over the long term. This helps in wealth creation, as these funds may offer higher returns than the inflation rate.

Equity funds are a great investment option to fulfil goals at least five years away.

Even if you don’t have financial goals right now, everyone should start investing in building a retirement corpus, irrespective of income.

There are different types of equity funds with varying risks. Large cap funds, mid-cap funds, small-cap stocks, sectoral funds are some examples of equity funds. Large cap funds are less risky than sectoral funds. So, you can invest in equity funds depending on your risk tolerance.

If you are new to equity funds, a large cap index fund might be a good option for you. You can become familiar with equity funds and invest in other equity funds.

Diversified Portfolio

You must diversify your portfolio and avoid concentration risk. If you invest all your money in one investment option, then if that investment goes through a rough patch, it will hurt your returns tremendously.

Diversifying across asset categories means that the impact of volatility on the overall performance of your portfolio will get reduced because when one asset category is down, another one will be doing well at the same time. So, it is crucial to diversify your investments across debt and equity assets. At the same time, within each asset class, you should diversify across different categories of products. For example, if you invest in equity mutual funds, invest in large-cap funds as well as mid-cap funds. Investing in large-cap funds alone means that you are putting all your eggs in one basket.

A diversified portfolio can help you achieve financial stability as it helps spread the risk across different assets. It will help make sure the volatility in the market does not adversely impact your investments. By doing this, you are minimizing the potential risk of losses.

Term Insurance

If you have dependents, having term insurance is a must. A term plan offers financial protection to the policyholder’s family in case of an eventuality, such as death or disability of the income earner.

Term insurance is one of the best ways to protect your loved ones against any financial crunch caused because of your death, disability, or critical illness. It pays out a specified amount to your family if something untoward happens to you.

Health Insurance

Health insurance is extremely important for you and your family members. In this day and age, when the healthcare expense is skyrocketing, health cover can help in the event of any disease or serious illness and save you a lot of money. Depending on your needs and budget, you can either get a health cover for yourself or your entire family.

Conclusion:

To make the most of your investment portfolio, you need to focus on building your assets, growing your earnings and preserving your wealth. This process requires research and planning in addition to having a diversified portfolio for minimizing risk, re-balancing of your portfolio, and purchasing term insurance for protection against unforeseen circumstances. Your health maintenance should also receive a top priority, since there are no assets more important than your health.

5 ways millennials can start saving in 2022

A common misconception is that most millennials don’t save or invest their money. According to a recent study, over 84 percent of millennials in India have a wealth management strategy for their future contingencies. They are also looking for more robust and sustainable growth opportunities in the post-pandemic world.

But who are millennials?

Millennials are individuals who are born between 1981 to 1996. So that means that people who are in the age group of 26 to 41 are millennials. 

If you are a millennial, then there is a higher probability of having already invested in one or another investment option. However, if you haven’t yet started, this year might be the best year to start saving and investing money.

Here are five simple ways to start saving now in 2022

First invest, then spend: If you think you can invest money that is left after taking care of your expenses, you will never have enough money to save or invest. So, reverse it. First, decide the sum you want to save or invest every month and take care of your expenses with the money left after investment.

Avoid lifestyle expenses: Excessive spending on lifestyle expenses can be unproductive. Thanks to social media, online shopping sites, buy now pay later services, credit cards and digital loans, it is now effortless to spend money. The option to convert large purchases into EMIs has increased our spending potential. However, spending without a plan can be harmful to our finances.

If you want to save money, it would be good to reduce lifestyle expenses.  

Follow the 50-30-20 rule: You might be confused about the actual amount of money that you need to invest every month. 50-30-20 rule is an easy budgeting rule that you can utilise to segregate your income into different buckets: needs, wants, and saving/investment. According to this rule, 50% of your income may be earmarked for necessities, 30% for wants and 20% for saving and investment.

Initially, if you don’t know how much you can afford, you can start investing 20% of your income.

However, it is crucial to understand that the 50-30-20 rule is just a thumb rule, a guiding principle. If you can save over 20% of your income, you can do that.

Build an emergency fund: Now that you know how much you can save every month, the first thing you can do is build an emergency fund. Having an emergency fund is extremely important as it can help you during emergencies. Typically, you need at least six months of expenses in an emergency fund. As it might not be feasible to build the emergency fund in one go, regular investments might help. A liquid mutual fund is the most preferred option to park your emergency fund. It is not volatile like equity funds, and you can instantly redeem your money from a liquid fund.

Start SIP for your goals: Once your emergency fund is ready, it is time to focus on your financial goals such as saving money for your marriage, foreign vacation and the most important of all, your retirement.

Based on the time horizon, you can segregate your financial goals into short term and long term financial goals. You can choose a mutual fund that suits your goals best.

However, if you are unsure where to invest and why, you can start investing in a Nifty or Sensex index fund through SIP. These index funds track the underlying securities of the Nifty 50 and Sensex benchmark. As the companies that form a part of these indices are industry leaders, their stock prices are relatively less volatile than other companies. This will help you have an excellent first-time experience in equity investment. You can then invest in other riskier equity funds as per your risk tolerance. 

Conclusion:

To make money for your future, you need to make more by investing wisely and spending less on unnecessary expenses. It is possible to do it only if you plan for your goals and follow a smart strategy.

So, now that you know these five steps, what will you do about it? Will you start saving money in 2022?

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FOFMotilal Oswal PMSMotilal Oswal PMS Value StrategyMotor Insurance Claim Rejectedmpc resultMrs Bectors Food SpecialtyMTAR IPOMTAR IPO grey market premiumMTAR IPO listingMTAR IPO reportMTAR IPO reviewMTAR IPO valuationMTAR stock priceMTAR TechnologiesMTAR Technologies IPOMukesh Ambanimulti assetmulti asset allocation fundMulti Asset FundsMulticap Fund RulesMulticap FundsMuthoot Financemutual fundMutual Fund Investing OnlineMutual Fund NAVMutual Fund NAV DateMutual Fund NFOmutual fund portfolioMutual Fund RankingsMutual Fund Returnsmutual fundfundamentalsMutual FundsMutual Funds DataMutual Funds for NRIsmutual funds performanceMutual Funds ReturnsmutualfundfundamentalsMutualFundsNACHNarendra ModiNasdaq 100Nasdaq 100 fundNasdaq FundsNational Saving CertificateNational Stock ExchangeNAVNavi Mutual Fundnavi mutual fund nfonavi nfoNazara IPONazara IPO allotmentNazara IPO gray market premiumNazara IPO grey market premiumNazara IPO listingNazara IPO priceNazara IPO reviewNazara Rakesh JhunjhunwalaNCD issueNCDsNeobanksNet Asset Valuenew aisNew debt fundNew debt MFnew form 26asNew fundNew Fund OfferNew Fund OffersNew IT E-Filing Portalnew midcap fundnew pf rules 2021new sovereign gold bondsNew Tax RegimeNFONFO reviewNFOsNiftyNifty 100nifty 18kNifty 5 year benchmark G-Sec IndexNifty 50NIFTY 50 EQUAL WEIGHTNIFTY 50 EWNIFTY 50 EWDSP Nifty 50 Equal Weight ETF ETFNifty Alpha 50 ETFNifty Alpha 50 indexNifty Alpha Low Volatility 30 indexNifty Digital IndexNifty Healthcare Indexnifty index fundNifty India Consumption IndexNifty Next 50 IndexNifty Next 50 Index FundNIFTY PSU BondNifty SDL Apr 2026 Top 20 Equal Weight IndexNippon India Asset Allocator Fund of FundNippon India ETF Nifty SDL - 2026 MaturityNippon India Growth FundNippon India MFNippon India MF NFONippon India Mutual FundNippon India Nifty 50 Value 20 Index FundNippon India Nifty Midcap 150 Index FundNippon India Nifty Pharma ETFNippon India Nifty Pharma ETF NFONippon India Passive Flexicap FoFNippon India PharmaNippon India Small Cap FundNippon MFNippon MF analysisNippon MF reviewNippon Mutual FundNippon NFONippon NFO analysisNippon NFO reviewNippon Quant FundNirmala Sitharamannon convertible debentureNon Convertible DebenturesNon Resident IndiansNon-Convertible DebenturesNRINRI taxationNRIsNSCNSENSE Digital IndexNSE International Exchangenternational FundsNurecaNureca grey market premiumNureca IPONureca IPO allotmentNureca IPO lot sizeNureca listing dateNureca listing gainNureca share priceNuvoco IPONuvoco VistasNuvoco Vistas IPONvidiaNykaa GMPNykaa IPONykaa listingNykaa profitNykaa subscriptionNykaa unicorn IPOOne97 Communications IPOOne97 Communications IPO allotmentOne97 Communications IPO GMPOne97 Communications IPO listingOne97 Communications IPO reportOne97 Communications subsidiariesPaisabazaar IPOPANPAN linking with Aadhaarparag paraikhParag Parikh Conservative HybridParag Parikh Flexi Cap FundParag Parikh Long Term Equity Fundparent of BNP Paribas AMCpassive fund of 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healthPorting health insurancePower Finance CorporationPowergrid Corporation of IndiaPowerGrid Infrastructure Investment TrustPowerGrid InvIT IPOPowerGrid InvIT IPO allotmentPowerGrid InvIT listingPowerGrid Unchahar TransmissionPPFppf interest ratePPFAS Asset ManagementPPFAS FlexicapPPFAS Hybrid FundPPFAS LiquidPPFAS Mutual FundPPFAS Tax SaverpremiumPrepaid VoucherPrincipal Asset Management CompanyPrincipal Mutual FundPrivate BanksProfitsProperty TransactionsProvident FundProvident Fund TaxPSU bondsPSU fundsPSU RailtelPublic IssuePublic Provident FundQuant fundsQuant Funds in IndiaQuant InvestingQuant Value FundQuantitative InvestingQuantitative StrategyRailTelRailtel IPORailtel IPO allotmentRailtel IPO buyRailtel IPO reviewRailtel IPO valuationRailtel listingRailtel stock priceratiorbirbi e-mandateRBI fixed income impactrbi gold bondsRBI PolicyRBI policy impact on bondsRBI raterbi recurring payment orderRBI Retail Direct GiltReal EstateReal Estate Investment TrustReal Estate Investment Trustsrealty investmentRecurring Depositsrecurring paymentsRedditRedditorsreinvestment of income distribution cum capital withdrawal optionREITREIT InvestmentREIT MFREIT Mutual Fundrepo rateReserve Bank of IndiaRestoration BenefitRetail bondsRetail Direct Gilt accountRetail govt bondsRetail GSECRetirementRetirement CorpusRetirement FundRetirement IncomeRetirement PensionRetirement PlanningRetirement SolutionsRetirement WealthReturn filing income taxReturnsreverse reporevised aisRight time to invest in mutual fundsRiskrisk and returnsRisk CapacityRisk ManagementRisk Profilerisk returnRisk ToleranceriskmanagementRiskometerRolling returns mutual fundsRupert HoogewerfS&P 500Sachin Bansalsaid that “This strategic partnership will enable us to expand in terms of scale and client outreachSanjay SapreSantosh KamathSatellite allocationSaurabh MukherjeaSaving for ChildrenSaving for Kids EducationSavingsSBI Balanced Advantage FundsSBI Bluechip FundSBI ETF ConsumptionSBI ETF Nifty 50SBI ETF SensexSBI Healthcare OppSBI Healthcare Opportunitiessbi index fundSBI International AccessSBI MFSBI MF NFOSBI Mutual FundSBI new fundSBI Nifty Index Fund and Franklin India Index Fund NSE NiftySBI Nifty Next 50 Index FundSBI Retirement Benefit FundSBI US Equity FOFScheme Information DocumentScient Capital AriesScient Capital OrionSCSSSDLSDL Index FundSDLsSDSDCASEBISEBI Franklin OrderSecondary Market BondsSection 10DSection 80CSection 80c best fundSection 80CCD (1B)Section 80DSector Fundssectoral fundSelf Assessment Taxsell equitySenior Citizen Savings SchemeSensexsensex 60kSGBSGB new bondssgb new issuesgb new offeringSGBsshare delistingshariah investingshariah mutual fundshariah pmsShimao Hong Kong Zhuhai Macao Port CityShort SqueezeShort TermShort Term Capital GainsShort Term Capital Gains TaxShort Term Capital LossesShort Term FundsShort term investmentsshould i invest in stocks nowShyam Metalics and Energy IPOShyam Metalics IPOSIPsmall cap fundsSmall Savings Interest RateSmall 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billsTakeovertarget maturity debt index fundTarget Maturity ETFTata Business Cycle FundTata Digital India FundTata dividend 2020Tata Dividend Yield FundTata dividend yield fund dividend navTata Dividend Yield Fund(G) MF NAVTata Dividend Yield Fund(G) Mutual FundTata Dividend Yield Fund(G)Equity: Mid & Small Cap Investment PlansTata Dividend Yield NFOTata Equity PE FundTata Floating Rate FundTata Floating Rate Fund NFOTata India ConsumerTata MF debt fundTata MF NFOTata motors dividend 2020Tata mutual fundTata Mutual Fund NFOTata Quant FundTatva ChintanTaxTax Deducted At Sourcetax deductiontax elss fundTax ExemptionTax ExemptionsTax FilingTax Filing OnlineTax free bondsTax free incomeTax free investmentsTax Free Maturity ULIPSTax Loss Harvesting IndiaTax on long term capital gain on propertyTax on Mutual Fundstax on pf interesttax on pf interest in budget 2021tax on pf interest in budget 2021 pf interest ratetax on ppf interest in budget 2021Tax on UlipsTax PlanningTax Refund ProcessTax Saving FundsTax Saving OptionsTax-loss Harvesting DateTaxationTDStds indiaTechno ElectricTechnology Mutual FundTerm InsuranceterminsuranceTeslatesla bitcoinTetherthe Bank of Baroda and BNB Paribas have merged to become Baroda BNB Paribas Mutual Fund. In 2019the Bank of Baroda announced Baroda AMC's merger with BNB Paribas AMC without any proposed cash consideration. Furtherthe former head of Baroda Asset Management Indiathe parent company of Baroda AMCthematicthematic fundThematic Fundsthematic investingtop 10 mutual funds for sip to invest in 2021Top 10 Mutual Funds HDFC Mid-cap Opportunities Fundtop 5 sip plans in indiaTop ELSS fundtop equity mf holdingstop mf holdingstop mutual fundtop performing mutual funds in indiaTop PMStop tax saving fundTop-up SIPtransfer of income distribution cum capital withdrawal optionTrigger SIPTwitter and NetflixTypes of Copaystypes of debt mutual fundsUIDAIULIPULIP taxULIPsUltra Short Bond Fundsultra short debt fundsUltra Short Duration Fundsultra short termUltra-short-term fundunable to download aadhar cardUnion BudgetUnion Budget 2022-23Uniswapunsafe credit risk fundupcoming ncd in 2021upcoming ncd issues in 2021update mobile number in aadharupdate mobile number in aadhar onlineUPIUS ElectionsUS treasury yieldsUTI MFUTI MF new fundUTI MF NFOUTI Momentum NFOUTI Nifty Index FundUTI Small Cap FundUTI Value Opportunities FundValue FundsValue InvestingVijaya Diagnostic IPOViraj Mehta EquirusVivek KudwaVolatilityVoluntary Provident FundVPFVPF contributionVPF interestWall StreetWallstreetbetsWalmartWarren Buffet YSTWater investingwater mutual fundwealth managementWealthziWealthzi Digital ConclaveWebinarwhat investors should dowhat is bsewhat is nseWhat is Tax Loss Harvestingwhich ended on the 4th March 2022. 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