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Showing posts from September, 2020

How do bond funds work or debt mutual funds work

A debt fund is also a type of mutual fund that generates returns from money received from its investors after investing in various types of government and non-government bonds or deposits. All this basically means that they borrow money and earn interest on the money they lend. This interest that they earn forms the basic basis of the returns they generate for the investors. A bond is like a certificate of deposit money that is issued by the borrower to the lender. Even ordinary individual investors do something similar when they do something as simple as a bank fixed deposit in a bank. When you make a bank fixed deposit with a bank, you fund the bank basically. You can also buy bonds directly, for example, tax-exempt bonds under the Income Tax Act issued by various companies such as REC and Hudco. Exactly what debt funds actually do, except for some differences. First, those who are able to invest in many types of bonds that are not available to the general public. For ex...

Bank FD vs Corporate FD, be sure to know these three risks before investing

Bank fix deposit (Bank FD) is a fairly common and most popular investment option in India. But due to the falling interest rates on bank FDs for the last few months, people are looking for an alternative so that they can get good returns. Experts recommend such investors to start investing in Corporate Fix Deposits (Corporate FD) with AAA rating. One thing investors should know here is that corporate fix deposits have a higher risk than bank FDs. Corporate FDs with AAA ratings such as HDFC Ltd and ICICI Home Finance Ltd give one to two per cent higher returns than bank FDs. An investor must know the three risks before investing in a corporate FD. Let's know what they are. Default risk Corporate FDs outside bank FDs are unsecured. This investment product guarantees neither capital nor interest payment security. If the company faces a financial crisis, as an investor you may have to lose your money. Return after tax Interest on corporate FD adds t...

With the help of recurring deposit account, you can fulfill your small dreams

It is not easy for limited-income people to collect money for children's education, marriage or car. But Recurring Deposit (RD) is a scheme that can make your work easier. The special thing about this scheme is that in this you not only get better interest from FD as well as your money is also safe. Today we are telling you today how you can prepare a huge amount of 10 lakh rupees by investing only 200 rupees daily in RD. You can be recurring direct deposit in the bank. Nowadays almost all banks are providing online recurring deposit facility, you can easily open your recurring deposit account. Know here where you will get more benefit by investing in RD? Bank of India (BOI) Term Interest Rate of RD (%) 1 year and less than 2 years 6.65 2 years and under 3 years 6.70 3 years and under 6 years 6.50 8 year to 10 years 6.35 Bank of Indi...

Where to invest will be more beneficial | Time Deposit in Post Office, Monthly Income Plan or SBI Fix Deposit

You can get into trouble by investing money anywhere without thinking. This can also ruin your hard-earned money. In such a situation, if you want to invest your money somewhere where your money is safe and you also get returns, then you can invest in post office time deposit, monthly income scheme and bank fixed deposit in SBI. Today we are telling you how much you will get by investing in all these three places. Post office time deposit scheme, it is a kind of fixed deposit (FD). You can take advantage of fixed returns and interest payments by investing lump sum money for a fixed period in it. The post office time deposit account offers a time deposit interest rate of 5.5 to 6.7 per cent for a period ranging from 1 to 5 years. According to the official website of India Post, one can avail tax exemption under section 80C of Income Tax Act, 1961 for investing on a fixed deposit account of 5 years. It has to invest a minimum of 1000 rupees. There is no maximum investment li...

What to take term plan policy or term insurance with return?

The family does not have to face economic instability if the life earning member dies as a shield of life insurance. Benefits of term insurance plan, life insurance provides financial assistance to your dependents upon your death, which is given in lump sum or in regular instalments as per requirement. Due to increasing liabilities and dependents in life, people are now forced to invest in term plans. People who buy this cover are those who are children or term plan for family or they have taken a loan. The most important thing is that a term plan is the only insurance policy that you must buy because in this you get big coverage at a very low price. Now you can buy term insurance up to the age of 99 year term insurance, which was not possible till a few years ago. What is a term plan policy? A pure term insurance plan is one that provides coverage for a predetermined number of years. This period can be anything between 5 and 45 years. In this plan, the policyholder's nomi...

Best Performing mutual Funds in Last 5 Years

You must know about mutual funds. Under this, mutual fund companies raise money from investors, they invest this money in shares and in return also take charge from mutual investors. For investors who do not know much about investing in the stock market, mutual funds are a good option for investment. There are mainly four types of mutual funds. These are Equity Mutual Fund, Debt Mutual Fund, Hybrid Mutual Fund and Solution-Oriented Mutual Fund. Mutual Fund 5 Years Return Mutual fund 5 Years return is one of the funds to be given by Mirae Asset Hybrid Equity Fund. The Mirae Asset Hybrid Equity Fund recently completed five years. It is at the top in terms of returns. It has given a return of 10.16 per cent for five-year investment, 6.45 per cent for a three-year period and 7.29 per cent for a one-year period. Currently, it funds 3468 crores and has given a return of 10.37% since its inception. As per the information available till 31 July, the fund ...

PPF For Kids, can open PPF account for child's education

Given the rising cost of education, parents will have to start planning for their child's future education expenses from now. There are a variety of schemes going on in the market that can save for your child's education, most of which do not meet your expectations on one or more criteria. In such a situation, a PPF protection i.e. PPF Public Provident Fund Account for children can help a lot. With the current PPF rules, you can open a PPF account in the name of kids. However, the annual contribution to PPF account of you and the kid's child should not exceed Rs 1.50 lakh. PPF account can be opened/operated in the absence of parents (parents, parents) or guardians. Only one parent can open an account. Both mother and father cannot open an account on behalf of the same kids. PPF account cannot be opened by the grandparents for the minor child until he/she is a legal guardian after the parent's death. Where can you open an account? Kids PPF account ...

What kind of risks does a car insurance policy cover?

The wholesale sales figures for July were the worst in the past two decades, with vehicle sales down by 31%. Reports of companies holding production and retrenchment of employees are also scaring people. But is that really the case? Because now the experts and the automobile companies themselves are also looking at the split regarding the slowdown of the automobile market. Meanwhile, two big automobile companies have also entered the market. MG Motors launched its SUV Hector and Kia Motors landed the Celtos. Both trains received tremendous response. Celtos has received more than 33 thousand bookings and the company says that it is excited by this response. When Hector's booking reached more than 21 thousand, he had to stop the booking. MG Hector's President and MD, Rajeev Chhabra said that the company is excited about the success of this vehicle, we are currently closing the booking to make sure people get the best quality. Looking at the progressive busines...

You can also arrange pension for yourself by taking advantage of Atal Pension Yojana and POMIS Scheme

After the government discontinues the pension facility of employees, people are worried about their retirement, how they will be able to arrange monthly income for themselves in old age. But the government is still providing many such options to the people by which you can save your old age from financial problems. Atal Pension Yojana Scheme of Central Government and Post Office Monthly Income will be right for you. Today we are telling you about both these schemes. Atal Pension Yojana (APY Pension Scheme) What is this APY scheme? Under this, a pension of 1000 to 5000 rupees is received every month when 60 years old. A person from 18 years to 40 years can invest in it. If a person takes this scheme, he will have to invest at least 20 years. To join the Atal Pension Yojana Plan, it is necessary to have a savings bank account, Aadhaar and active mobile number. How will your contribution be determined? How much the amount will be deducted will depend...

MSP (Minimum Support Prices) for all Kharif crops for FY 2020-21

The Minimum Support Price for all compulsory Kharif crops has been increased by the Cabinet Committee on Economic Affairs (CCEA) headed by Prime Minister Shri Narendra Modi on June 1, 2020. Crop MSP (Minimum Support Price) for Kharif Crops 2020-21 MSP (Minimum Support Price) Increase Paddy (Common)/Dhan 1,868 53 Paddy (Grade A)/Dhan 1,888 53 Jowar (hybrid) 2,620 70 Jowar (moldandi) 2,640 70 Millet/Bajra 2,150 150 Ragi 3,295 145 Corn/Makka 1,850 90 Toor (Tur) 6,000 200 Mung bean 7,196 146 Urad 6,000 300 Peanut/Mungfali 5,275 185 Sunflower seeds 5,885 235 Soybean ...