Jama – One Point Stop For All Your Direct Mutual Funds

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Insurance vs Investment: Why ULIPs & Endowment Plans are Bad Products

Insurance and investment simply don’t mix. Why? Because life insurance has absolutely nothing to do with investment. Its only objective is to compensate the loss of income arising out of the death of the breadwinner of a family. If he/she survives the term of the policy, the life insurance policy offers no benefit. Insurance companies, however, have mixed this essential ...
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mutual fund commissions

Mutual Fund Fees: Expense Ratios & Exit Loads

Mutual fund charges are invisible to all but savvy investors. This is, in fact, true not just for mutual funds, but nearly all investment products, even your savings account. Now, what do we mean by invisible? We mean that the cost is not explicit or fixed; so it’s not as if you pay an asset management company (AMC) a fee ...
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/ Blog, commissions, mutual fund charges

Sectoral Funds: 4 reasons they aren’t good for you

Sectoral funds are mutual funds that invest in a particular industry sector or a theme. Examples are “Pharma” fund, “FMCG” fund, “Banking Fund”. A sectoral theme could be “GST” which invests in stocks that might benefit from the Goods & Service Tax implementation. Sectoral funds are a good way to take exposure in a particular industry without worrying about which ...
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comparision of mutual funds and stocks

Mutual funds vs stock market: Returns and risk of equity investment

Many investors shun equity completely to avoid risk. All who do so run the risk of having their returns eaten up almost entirely by inflation. Equity investment does come with risk, with high short-term volatility, but no one should invest in the stock market for the short-term. It’s a long-term investment that can deliver sizeable returns, greater than even property, ...
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Direct Plans vs Regular Plans: Why should you switch?

There is only one difference between direct plans and regular plans -- the expense ratio. Typically, a direct plan has an expense ratio of around 1%, while regular plans cost 2.5% per year. Just 1.5%. It’s a small difference -- but one that could decide whether you holiday in New Delhi or New York or retire at 45 or 70 ...
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/ Blog, commisions, direct mutual funds
should-i-invest-in-gold?

Should Gold be part of your Investment ?

Gold is often viewed by different people in different ways. The enthusiasts will always vouch for the purchase of gold saying that its value will never fall, promptly buying physical gold (read ‘Jewellery”). This is one investment that the lady of the house will invariably support! However, Gold prices have seen far too many fluctuations in the last few years ...
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Trading-vs-Investing

Are You a Trader or an Investor

“The markets have been falling for five sessions in a row. I think it is a good time to buy”. “My stock is up by 25% in 2 months. I would rather book profits than regret later” . “The stock price is near its support level. I am planning to buy”. Nothing wrong with any of the above statements. End ...
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ullip-elss-tax-saving-funds

Should I invest in ULIPs or in Mutual Funds (Tax Saving ELSS)?

Unit Linked Insurance Policies (ULIPs) are aggressively promoted as a great combination of investment and insurance by salesmen who make hefty commissions. This is the only reason why they are pushed so hard and also find so many buyers. While they may appear similar to Mutual Funds - they also have Units that have daily Net Asset Values (NAVs), scratch ...
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how to avoid mistakes while investing in mutual funds

7 Mistakes To Avoid While Investing

Investing well requires a mix of discipline and endurance. It may appear boring but in the long run you become wealthy and financially independent. Being Financially Independent in turn means that you control your time and as well like to say time is more valuable than money. So how do you succeed in this boring yet exciting journey (yes it ...
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ulip-mutual-funds.

How to exit ULIP and switch to Direct Mutual Funds

Often many investors realize that they bought a Unit Linked Insurance Policy (ULIP) without knowing the various costs that go into the investment every year. They may have liked the insurance cover and the prospect of investment returns that the product promises to generate. An agent might have painted a rosy picture and shown tax savings that might accrue. As ...
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