Edit Content

WE ARE AT

No.4, 3rd Floor, Swathi Complex No. 34, Venkat Narayana Road, Nandhanam, Chennai-600018 Tamil Nadu – India

WRITE TO US

FOLLOW US ON

Facebook-f Instagram X-twitter Youtube

MUTUAL FUNDS

Investment vehicles that pool money from multiple investors to buy a diversified portfolio of stocks, bonds, or other securities.

SIP (Systematic Investment Plan)

A Systematic Investment Plan (SIP) is a disciplined way of investing in mutual funds through regular, fixed contributions.

  • Regular Investment: Investors contribute a fixed amount at regular intervals (monthly, quarterly).
  • Benefits: Averaging of purchase cost (rupee cost averaging), compounding benefits, and disciplined savings.
  • Flexibility: Investors can start, stop, or adjust the SIP amount as per their convenience.

LUMP SUM

Lump sum investment involves investing a large amount of money in mutual funds at once.

  • Single Payment: Investors make a one-time investment in a mutual fund.
  • Benefits: Potentially benefits from immediate exposure to the market, but may also be subject to higher market risk.
  • Timing: The timing of the investment can significantly impact returns due to market volatility.

ELSS (Equity Linked Savings Scheme)

Equity Linked Savings Schemes (ELSS) are mutual funds that invest primarily in equities and offer tax benefits under Section 80C of the Income Tax Act.

  • Tax Benefits: Investments up to ₹1.5 lakh per annum qualify for tax deduction.
  • Lock-In Period: A minimum lock-in period of 3 years.
  • High Returns Potential: Historically, ELSS funds offer potential for higher returns compared to other tax-saving instruments due to their equity exposure.

DEBT FUNDS

Debt funds invest in fixed-income securities such as bonds, government securities, and other debt instruments.

  • Objective: To provide regular income with lower risk compared to equity funds.
  • Types: Include short-term, medium-term, and long-term debt funds based on the maturity of the underlying securities.
  • Returns: Generally lower than equity funds but more stable and predictable.

LIQUID FUNDS

Liquid funds are a type of debt fund that invests in short-term instruments, offering high liquidity with very low risk.

  • Objective: To provide easy access to funds with low risk by investing in instruments that mature within 91 days.

Types :

  • Overnight Funds: A subtype of liquid funds, these invest in securities that mature in one day, offering the highest level of liquidity and minimal risk.
  • Other Liquid Instruments: Liquid funds may also invest in treasury bills, certificates of deposit, and commercial paper.

Benefits :

  • High liquidity for meeting short-term financial needs.
  • Minimal interest rate and credit risk.
  • Suitable for parking idle funds temporarily.

Liquid funds and overnight funds are great options for investors seeking to maintain liquidity while earning modest returns on their short-term investments.

WE ARE AT

No.4, 3rd Floor, Swathi Complex No. 34, Venkat Narayana Road, Nandhanam, Chennai-600018 Tamil Nadu – India

WRITE TO US

FOLLOW US ON

Facebook-f Instagram X-twitter Youtube

Copyright 2021 © Samriddhi Investment & Financial Services. All Rights Reserved

Website Developed by Ali Web Design