Ultra Short Duration Funds are debt funds that lend to companies for a period of 3 to 6 months. >Ideal for anyone looking to keep aside money for a couple of weeks to a few months
>Near Zero risk of loss if someone invests for at least 3 months.
> These Schemes tend to give similar or slightly higher returns than Bank Fixed Deposits of equal or comparable investment tenure
> Due to high liquidity, ease of use and higher returns,
I’ve listed few mutual funds here, to help you get started. The list has been prepared based on the parent company and the past performance of the fund. The debt funds have no exit load fees (that means you can withdraw money from these funds any time, without any “minimum duration” requirement).
Debt -Ultra Short Term Fund
Recommended for emergency funds or parking money for any duration etc. Returns are better than FD and offers higher liquidity.
Fund Name
Annual Returns (5y)
Fund Class
Exit Load
Franklin India Ultra Short Bond Fund (G)
9.9%
Ultra Short Term Debt
0.00%
Reliance Money Manager Fund (G)
8.9%
Ultra Short Term Debt
0.00%
You can visit my you tube https://youtu.be/DmpFcKuHRDM for more about this fund. Also request to subscribe for more such videos.
You can invest direct from my website – www.agindiaonline.com after free Sign-up and i assure you that you will get my 100% support all the time to create wealth safe and more than Bank. Any suggestion you may whatsapp @ 9891423442 or telegram to https://t.me/mfpathshala
Mutual fund companies do not require investors to use a dematerialization (DEMAT) account to buy mutual funds. A DEMAT account allows investors to electronically purchase and redeem securities, mutual funds, and other investments.
Why You Should Avoid Having A Demat Account For MF Investment?
There is a yearly cost associated with the maintenance of the demat account, which adds up for a long-term investor.
There is an upfront commission of 1% to 1.5% on funds that one buys through a demat account as it only allows you to invest in regular mutual fund schemes.
There is a trail commission of up to 1.5% on the funds you hold in a demat account. This is charged every year for the entire duration of your investment. It adds up to lakhs of rupees in the long run, depending on the amount and duration of the investment.
You can add only one nominee to your demat account. If you want to distribute your holding midst various family members, you cannot do it with the help of a demat account.
Mutual fund companies do not require investors to use a dematerialization (DEMAT) account to buy mutual funds.
A DEMAT account allows investors to electronically purchase and redeem securities, mutual funds, and other investments.
Instead of using a DEMAT account, investors can choose to buy or redeem mutual funds directly from the mutual fund company.
Instead of Demat use MFU ( Mutual Fund Utility ) for all Online transaction.
DEMAT accounts offer investors several advantages, including increased security of financial transactions, increased speed in processing trades, and the elimination of unnecessary paperwork.
One can buy and sell any mutual fund scheme directly through an asset management company (AMC), a bank, personal financial advisor, or various third-party portals. The only things mandatory for MF investment are:
Bank account (preferably with online banking facility, but not required)
KYC compliance
As mentioned above, a demat account is not necessary for a mutual fund investment, yet some people like to use it to manage all their investments from one place. Normally, people use the same demat account for their mutual fund investments that they have been using for investing in dematerialised equity shares.
Other Ways To Invest In Mutual Funds
Demat account is not the only way to invest in mutual funds. You can do it via your bank, a personal advisor, or through a third-party online portal like www.agindiaonline.com. You can use any of the following channels to invest your money in a mutual fund scheme.
Bank
You can walk into your local bank and meet your relationship manager to begin mutual fund investment including SIP.
Through CAMS
You can also visit a local CAMS office to start your mutual fund investment. Alternatively, you can visit myCAMS website or download myCAMS app to begin investing in various mutual fund schemes – both in direct and regular options.
Offline Through AMC’s Branch Office
In many cities, major fund houses have their branch offices. You can visit an AMC’s branch office in your locality and invest in one of its schemes. You will need to visit each AMC’s office individually should you wish to choose funds from different fund houses.
Online From AMC’s Website
Another way to invest in mutual funds is to visit each fund house’s website, register there, link the bank account with the portal, and begin investing.
For more details . You may call / whatsapp/ Msg to 9891423442 for wealth Manager Support or visit www.agindiaonline.com for instant start of SIP/Lumpsum etc.
GST Council– Providing a big relief to small mutual fund distributors, the GST council, headed by Finance Minister Arun Jaitley, has deferred the implementation of reverse charge mechanism (RCM) by another one year to September 2019.
Reverse charge is a mechanism where the recipient of the goods and/or services is liable to pay GST instead of the supplier. This is an anti-tax-evasion measure to ensure that transactions by unregistered people don’t escape tax. So, in a normal transaction, the supplier of goods or service charges the tax and pays to the government, but in this case, the responsibility reverses and falls on the buyer.
Also, the purpose of this charge is to increase tax compliance and tax revenues. Earlier, the government was unable to collect service tax from various unorganised sectors like goods transport. Compliances and tax collections will, therefore, be increased through reverse charge mechanism.
This move will benefit mutual fund distributors that have earnings of less than Rs 20 lakh a year, particularly for distributors who do not have a GST registration number or have surrendered their GST registration number.
This move will benefit mutual fund distributors that have earnings of less than Rs 20 lakh a year, particularly for distributors who do not have a GST registration number or have surrendered their GST registration number.
Out of total 46,000 MF distributors in India, only 6 percent earn above Rs 20 lakh a year.
Registered distributors are liable to pay GST on their services to the asset management companies for which they can claim input tax credit. As most of them work from small offices with computers as their only equipment, the likelihood of significant input supplies to avail credit is low.
For unregistered agents, the fund house receiving the service will pay 18 percent tax on their behalf. If RCM came into effect the fund houses would have deducted it from their commission.
“This is beneficial to small distributors who work from small offices and earn less than Rs 20 lakh per year,” said a Mumbai-based distributor.
For distributors that have already done GST registration, fund houses will continue to follow forward charge mechanism, wherein MFs will pay the gross commission to them, while these distributors will continue to avail the benefits of input credit.
The RCM was to kick in from July but got deferred by three months to September this year and now further to September 2019. The distributors’ body had recommended that the government should grant an exemption to small distributors who earn less than Rs 20 Lakh annually.
Mutual Fund investment or Any investment without Goal Based Planning, never being success. As per survey almost 90% investment break before his maturity. So very important to create goal based planning.
In all investment, every one known that MF is good investment for Long term. as no investment will give return at par MF. But a little correction in Mkt everyone get penic and quiet from market. so whenever you are going to start investment, then think like LIC investment. Invest and continue till maturity. I assure you that you will get 100% better returns than other investment.
This is the reason why many mutual fund houses and advisors recommend goal-based investments to investors. This approach help investors choose ideal investments to achieve their financial goals. For example, if you are investing for short-term financial goals, you may opt for debt mutual funds. You should keep in mind that it is important to choose debt mutual funds based on your investment horizon and risk profile.
Similarly, if you are investing to create a retirement corpus, say, after 20 years, you should choose equity mutual funds according to your risk appetite. If you are a conservative equity investor, you should invest mostly in large cap mutual funds. Similarly, a moderate risk-taker can opt for multi cap schemes and an aggressive investor can invest in mid cap and small cap schemes.
It seems, you are new to mutual funds. If so, you should consult a mutual fund advisor before investing. New investors often need a lot of hand-holding and reassurances during the initial years of their investment lives. Only your advisor would be able to offer you personalized help.
A value fund is a fund that follows a value investing strategy and seeks to invest in stocks that are deemed to be undervalued in price based on fundamental characteristics. Value investing is often compared with growth investing, which focuses on emerging companies with high growth prospects.
Normally its very high risk category funds. so be-careful before choosing these funds.
Open Free Investment Account for Lifetime at www.agindiaonline.com. Complete your Registration and KYC Process Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!.
The new category – Large and Mid Cap Fund is introduced by SEBI in order to offer a broad choice amongst investors and to simplify scheme selection that best suits their risk profile. As per the revised norms, Large cap funds will invest at least 80 percent of its total assets in the top 100 listed stocks by market capitalisation. On the other hand, mid-cap funds will invest at least 65 percent of its total assets in companies ranked between 101st to the 250th company in terms of full market capitalisation.
The new Large and Mid Cap Funds will be mandated to hold a minimum of 35 percent each in mid and large cap stock, that is, 35 percent of the corpus will be invested in large-cap companies while another 35 percent will have to be deployed in mid-cap companies. Ideally, this fund is suitable for investors who have a high-risk appetite and is seeking to invest for a long-term.
How to Invest in Large and Mid Cap Funds Online?
Open Free Investment Account for Lifetime at www.agindiaonline.com. Complete your Registration and KYC Process Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!.
Sign Up today : http://agindiaonline.com/content/tools/signup.asp
If you are a new investor or you do not have a very high risk appetite and a longer investment horizon (minimum of seven to 10 years), it is better to stay away from small cap mutual fund schemes. Small cap mutual fund schemes are meant for aggressive equity investors who can stomach a lot of volatility and risk.
