Are SIPs the risk-free formula for making money?

THE ECONOMIC TIMES Tue, Jan 24, 2017 | 07:03 AM IST ET Wealth Newsletter

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Are SIPs the risk-free formula for making money? Systematic investment plans started in equity funds 1-2 years ago have not given good returns. Here's what it means for long-term investors. Flexi SIPs may give higher returns but may not build a bigger corpus A flexi SIP mandate allows investors to modify the SIP amount within a pre-decided range of the minimum and the maximum required to be invested. What do consumers expect from Budget 2017? Find out The ET-RICS pre-Budget survey finds that more than three out of 10 people do not expect any changes in the capital gains tax structure. From our Partners Snakes and Ladder - A lesson in investments Money makes the world go round – it does the same to my head. Trying to work out a balance between the risks and rewards that are inherent to making my money grow is like playing snakes and ladders. From our Partners Tee off on mutual funds Picking up a mutual fund is also a similar exercise. You set your goal and decide the scheme you need to invest in. 5 things to check before joining a startup Given the spate of failing startups, over 200 closed down in 2016, make sure you do the due diligence before taking up an offer. Here's how freelancers can save on tax outgo Freelancers can claim the different Section 80 tax-saving deductions as well as on the expenses incurred for doing their work. 6 investment avenues with low charges, fees High costs can eat into returns. ET lists some cost-effective alternatives that can create a healthy portfolio. Which is better, balanced or dynamic asset allocation fund? Balanced funds typically maintain a 65% exposure to equities, and qualify for better tax treatment compared to dynamic funds. From our Partners 8 things you must do right now to retire as a billionaire Here's a sneak peek into the life of famous billionaire Mark Zuckerberg: He is the world's fifth-richest person with a net worth estimated to be $56.7 billion. From our Partners Rise of direct plans of mutual funds Ever since the Securities and Exchange Board of India (SEBI) introduced the game-changing alternative of direct plans in mutual funds there has been a significant rise in the portfolios switching to and investing in this option.

Financial Calculators Tax Impact Calculator This tax calculator will let you know how your tax liability changes post-Budget 2016. Just input your personal income details and know how much tax would now be payable. Home Loan Refinance Should you refinance your home loan? Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy. More Calculators

SEBI issues new guidelines for mutual fund ads SEBI has stated that the performance of MFs should now be shown in terms of CAGR for the past 1 year, 3 years, 5 years and since inception. Here's how an increase in SIP helps to save more Even a 5% increase in the SIP amount can yield a substantially higher corpus. Increase the amount by 10% and your corpus will be 45% bigger after 10 years. What to consider before buying medical cover There are also different varieties of critical illness covers available. So, should you choose a broader plan, or one that is specific to a few diseases? Do you know your financial rights? ET Wealth lists the fundamental rights and duties every investor and taxpayer should not only be aware of, but also act upon whenever necessary. Are exclusive portfolio management services really worth the cost? Investors, especially high networth individuals, often end up with poor quality investments in their search for preferential treatment from asset managers. 7 new age accessories that have become a must-take on your travels Smartphones, laptops and cameras are gadgets one carries while travelling. However, there are others one tends not to count as essential. Here's a list of them. Salaried Vaz can cut tax outgo by investing in NPS Sudhir Kaushik of Taxspanner.com advises readers on how to restructure their income, investments and expenses to optimise their tax. Principal Tax Savings Fund: An inconsistent performer It takes a multi-cap approach, like most of its ELSS peers and, despite a distinct large-cap tilt, it takes a sizeable exposure to smaller companies. Family Finances: Hyderabad-based Joshis need to raise equity exposure, link investment to goals Harsh and Neha Joshi, both bring a combined income of Rs 1.52 lakh, must raise their equity exposure and link their investment to goals. How to change the scheme preference in NPS As an alternative to choosing fund schemes, the NPS offers an auto choice where the proportions are pre-decided based on the age of the subscriber. Stellar growth, operational efficiency make Equitas stock analysts' favourite If you are one of those who is ready to bear short-term pain for long-term gain then you may want to consider this counter. Mutual fund costs will fall, but only as we build scale: Sanjay Sapre, Franklin Templeton Investments India Indians need the services of investment advisers as they lack the financial literacy needed to understand market-linked products. 5 smart things to know about fire insurance Fire insurance covers buildings, plant and machinery, equipment, stock and content like furniture and fixtures, cables, etc. Alternative investment returns monitor: For week ending January 13, 2017 Don't compare these with returns from traditional investments since the proportion and purpose of alternative investments is vastly different.

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