It did in march april 2020. Did you invest back then?If you are investing in mutual funds, the best time to invest is when the markets have tanked.
It did in march april 2020. Did you invest back then?If you are investing in mutual funds, the best time to invest is when the markets have tanked.
Still better than keeping your money in just a savings account for non-risk takers. At least 5% is a fixed return. Axis bank gives 5.75% for 1yr 25 days FD. Pretty good for short period. There maybe better offers ofc.FDs are dead now, 5% PA is garbage return
Excellent time mateIt did in march april 2020. Did you invest back then?
The inflation & TDS eats most of it, unless you give 15G/HStill better than keeping your money in just a savings account for non-risk takers. At least 5% is a fixed return. Axis bank gives 5.75% for 1yr 25 days FD. Pretty good for short period. There maybe better offers ofc.
Inflation is around 8% as per government data ofcourse.Still better than keeping your money in just a savings account for non-risk takers. At least 5% is a fixed return. Axis bank gives 5.75% for 1yr 25 days FD. Pretty good for short period. There maybe better offers ofc.
Like?Debt based MF will give better returns
Check Paytm Money for good fund managers, select debt as your filter you'll see funds, check their past performance & make decision accordingly.Inflation is around 8% as per government data ofcourse.
Like?
Well intentioned, but incorrect advice.check their past performance & make decision accordingly.
Can you also write about government bonds, would like your take on it as an investment option.Well intentioned, but incorrect advice.
Checking past returns may work for equity (it doesn't, but it's a decent enough metric to look at), but if you look at performance in Debt, you're likely to end up with Credit Risk and/or Long term funds. So you shouldn't check the returns before having checked the risk profile and maturity profile.
Avoid credit risk fund. Just think they don't exist. If you see category as credit risk, just don't look further, don't even look at the returns, just move past that fund.
Then check the average maturity. Buy a fund with average maturity slightly lower than your expected holding period. If you intend to hold your investments for 2 years, buy something with average maturity of 18-20 months. If you intend to hold for 5 years, but something with average maturity of 3-4 years. If you intend to hold for >5 years, then don't look at the returns 1 year from now and start worrying if it's low. MF returns are never linear. Just let it be.
If you don't know your holding period, then sit down and have a good think about why you are investing money. Think till you have reasonable idea about your holding period. Then invest.
My 2 centsCan you also write about government bonds, would like your take on it as an investment option.
Are they better than mf for short term, less than 5 years?My 2 cents
Long lock in period
No compounding benefit
Does not beat inflation
Most bonds are taxable
Consider me a fellow noob bro. Low risk-medium term can never beat inflation unfortunately until and unless there is a black swan event. I am also looking for something similar for senior citizens.Are they better than mf for short term, less than 5 years?
Also I'm really noob at this and i know there's probably none still just gonna ask it, is there any decent investment option that is low-medium risk and gets close to beating inflation?
I have started a SIP on this fund recently.Navi Nifty index fund has low TER as compared to the competitors. Has anyone shifted to Navi yet or waiting for more data regarding tracking error etc.?
Can you also write about government bonds, would like your take on it as an investment option.
I don't know much about government bonds since from the very beginning of my career, I focused on online modes of investments. But if you want low risk investment for medium term, invest in short term bond funds.Are they better than mf for short term, less than 5 years?
Also I'm really noob at this and i know there's probably none still just gonna ask it, is there any decent investment option that is low-medium risk and gets close to beating inflation?
Were you investing in any other Nifty index fund earlier? How is the tracking error?I have started a SIP on this fund recently.
How do you measure tracking error? You need historical daily NAVs and index price for measuring tracking error. This data is available to anyone, regardless of weather you hold the fund or not. So you can check for yourself. Even if you're holding it, you'll have to go through the same process to know the tracking error. He won't know just because he's invested in the fund.Were you investing in any other Nifty index fund earlier? How is the tracking error?
I get that but since he is investing in it, I thought that he might have noted that.How do you measure tracking error? You need historical daily NAVs and index price for measuring tracking error. This data is available to anyone, regardless of weather you hold the fund or not. So you can check for yourself. Even if you're holding it, you'll have to go through the same process to know the tracking error. He won't know just because he's invested in the fund.
To calculate tracking error, just create a list of daily returns for both assets, take the difference of returns and calculate the standard deviation of this series. That's your tracking error.
Valueresearch and Moneycontrol is the best place for almost all types of Indian fund/stock data. Here's a downloadable list of funds with tracking error - https://www.valueresearchonline.com/amfi/tracking-error/I get that but since he is investing in it, I thought that he might have noted that.
Is there any website which measures the tracking errors of various funds?
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