Mutual Fund Advice: Are Mutual Funds a Smart Investment?

 “Life isn’t about money, It’s about what you do with it”

In today’s economy with many people worrying about their financial future, it stands true that investing in a better future begins with what you do today. While popular money journals and magazines flood with stories of people who made it big by investing early on in a stock, those stories are a rarity.

Mutual Funds Advisor

While it’s true that many made it big by investing early on in companies such as Apple, there are still others who struggle to even make a big decent return without notably increasing risk. While you may not accumulate riches overnight, mutual funds may be your answer to investing in a better future.

Mutual funds are professionally managed with investments in stocks, bonds and treasury notes with funds pooled by a group of other investors. What this essentially means is that your holdings represent a diverse portfolio and you have basically have ownership in those investments.

By no means is a fund going to make you rich overnight but it is an excellent way term investment. The decision to invest in a mutual fund ultimately depends on you and whether you are willing to take mutual fund advice from others to invest in a better future.

So are mutual funds a smart investment?

When someone has little money to invest with, they want to very careful about where they choose to put funds they have. This is understandable, since there are always risk involved with making an investment. Mutual funds, for many reasons, are fairly smart investment for someone who is not working with very large amount of money.

Someone who does not have a lot of money to invest may be in that situation because they are new to investing game. Mutual funds are great for beginners because most companies go out of their way to make it as easy as possible to do business with them. Investors have the option to handle their finances either over the phone or online. In addition, they can buy or sell their mutual funds on any business day.

mutual fund consultant in tricity

One benefit that investors with a lot of money have is that they are usually able to hire a mutual fund advisor to keep an eye on their stocks. A mutual fund comes with a fund manager that keeps up with what is going on with all of the stocks in the fund. This is a great way to level the playing field for people who otherwise would need to manage all of their own investments and may not have the knowledge to do so properly.

However, a mutual fund is also a great idea for someone who does not have a lot of money to invest because they often have low minimum investments. With some stocks, the minimum investment could be upwards from twenty-thousand dollars, and this is just not possible for many people. It is often possible to invest in a fund for just a few thousands.

The points should be taken into consideration while investing in Mutual Fund scheme:

  • Time horizon: It is most important factor. If you are long term investor there is chance of getting better returns. In this case you can exit at any time when you have made sizable profit.
  • Risk taking aptitude: It is also most important factor, if you are afraid for losses in short term you should avoid investing in equity schemes. In such case you should go for hybrid schemes or pure debt schemes. Investing in pure debt scheme is more profitable than investing in Banks & Post.
  • Diversification: It is better to invest in diversified schemes for new investors. For customized investor, who is capable of tracking his investment and market conditions, sectoral schemes is best option, in sectoral schemes timely exist is important.

Mutual Funds For Beginners

  • Diversification by schemes: It is always better to invest in different schemes of top mutual fund houses that to put all money in one diversified scheme.
  • Past performance: It is the most essential criteria and hence one should view the historical performance of the scheme. Considering returns for the period of 1 Year, 3 Year, 5 Year and since inception will help you to take your decision. The scheme which outperform in all types of returns category is safer choice for investment.

These are just many reasons why investing in mutual funds might be a good choice for you. But don't stop here. The world of fund investing is much, much bigger.

Beeline Wealth is independently owned and locally operated to handle your mutual fund needs. We believe that experienced mutual fund advisor can best serve your needs.

To know more about mutual fund consultant or mutual fund advice in Tricity. Please visit,

Tax saving on your mind? Invest in ELSS Funds

It has been well said by Benjamin Franklin that “In this world, nothing can be said to be certain, except death and taxes.”

For most people, tax saving is seen as something that is time consuming and difficult, and is considered an activity that requires massive amount of effort. The very thought of it is enough to make most ordinary investors nervous. However, some lawful means of saving tax exists and the best part about such ways is that they help an individual grow there wealth and save the taxes in process.

Commonly, such tax-saving investment plans come with a lock in period. If you're hoping to save money on taxes, then the best way to do it is to invest.

While you could trod on the tried and tested method of investing in the Public Provident Fund (PFF) or the National Savings Certificate (NSC), you should also try to invest in mutual funds.


You might be surprised, as you expect taxation on mutual funds - but you need to know where you can invest your money so that you can limit the amount of taxes you pay on it. The best way to go is Equity Linked Savings Schemes or ELSS. They're also rather popularly called tax saver mutual funds.

What’s the big deal about it?

Well, on the lock in period does exist - it is considerably lower than for either the PFF or the NSC. The period is for three years, against the PFF's 15 years and the NSC's 6 years. There are different funds that you can choose from, ranging from those that give your growth or income; depending on what it is you want from the funds. The interest rates are better for ELSS when you compare it to either the NSC or the PFF.

Benefits of investing in ELSS:

  • Income Tax Benefit: With ELSS, investors can get a tax deduction of up to Rs. 1.50 lakhs under section 80C of the Income Tax Act of 1961.
  • Short Lock-In Period: The three year lock-in period of ELSS funds is much shorter than the lock-in periods demanded by other investment avenues like PPF or NSC under section 80C of the Income Tax Act.
  • Tax-Free Dividends/Capital Gains: All dividends that are declared under ELSS are exempt from tax. When ELSS units are sold, the profits made from the sale are considered as long-term capital gains and are tax exempt.


  • Higher Return: In the case of ELSS funds, a large part of the fund is invested in equity. Equity has the potential to generate wealth in the long run, even though it is affected by short-term volatility.

Investing in an Equity Linked Savings Scheme is a great solution for certain types of investors. If you are an investor looking to generate wealth over a long period of time, then ELSS is a good investment for you. If you are looking to invest in something that will provide you with tax deductions under Section 80C, then ELSS is an investment that should definitely be considered.

Things to consider while investing in ELSS:

When you're looking for a mutual fund to invest in, make sure you compare these factors with each other, so that you get an idea of what you're in for.

  • The expense ratio is an important consideration. It shows how much of your money is going to expenses of the management before the rest goes towards investment. Needless to say, the expense ratio that is lower is better for you.
  • The Sharpe ratio also needs an eye kept on it. This shows the level of fluctuations that the fund undergoes - showing whether or not the decision-making is sound. Sound decisions are likely to give a stable ratio; and less than sound decisions could make the ratio fluctuate madly. So a stable ratio is what you're looking for as far as the Sharpe ratio is concerned.
  • Other than this, you can also choose from the large, mid and small cap investment opportunities. Generally, the large caps are preferred for the ELSS.

Mid-caps and small caps can be quite a risky venture, so if you're investing make sure you have sound knowledge of what you're doing. You need to know your documents well and ensure you do your research before you go ahead and put money in. Because once you've put your money in, you're stuck there for three years.

Save or Invest? Surf The Wealth of Common Sense Like a Pro

We kick of the year 2019 full of optimism, gratitude, and excitement for the year ahead. After what was hopefully a good Christmas break we all are trying to raring to go, and apparently, as many as 50% of us feel that customary urge to set some resolutions for the year ahead.

The top resolution that we make are mostly related to weight loss, exercise, money etc. So even as a broad estimate, this suggests that 15% of the population in Tricity try to motivate themselves into better money management habits at the beginning of the year.

So, for this reason, we have decided to kick-off 2019 with something a little different.

Let’s get started.

In order to understand better money management habits one ought to understand the importance of savings.



The importance of savings can be understood only when one succumbs to an immediate need for funds. As propagated by the popular financial tycoon, Warren Buffet, one must first save funds from his revenue and then plan to spend the remaining, instead of going the other way round. Savings act as a short term shield against sudden emergencies and fund requirements, which could be anything from meeting a medical emergency or a wedding.

How are savings different from Investment?

Savings are significantly different from investment in many aspects. Savings should be made by keeping aside a sum of money from one’s monthly earnings, on a regular basis. Basically, a short term saving can help you meet immediate financial needs such as buying a car, arranging a wedding, planning a holiday trip or else, making a significant gift. Always bear in mind that savings are meant for meeting short term goals and hence, they should be parked in an investment which is less risky. Consequently, it will yield less returns but the investment will remain safe.

However, making an investment involves a large sum of money, which can be set aside in high yielding options that carry a significant amount of risk. This money is meant to meet your long term financial goals such as retirement and education of kids. Be prepared to earn higher returns on your investment as compared to savings.

What are the Prerequisites to Save and Invest?

Saving and investing are crucial financial decisions that demand major consideration and thought. They cannot, and ideally, should not, be made overnight but given some thought and analysis, to identify which proposals hold maximum potential in terms of returns and growth. Thus, before you actually invest your money in some option, make sure that you have enough funds to meet your expenses at least for a minimum of six months. This fund will hedge you against unexpected loss of income or loss in business.


Whether to Save or Invest?

It can be a little tricky to understand which financial goals require savings and which require investment. Let us take a look at some common financial decisions which could need your consideration:

  • You are planning to buy a new car as your old one is likely to be unusable in the next year ~ Save
  • In the next three years, you are planning to start a family and move into your own home ~ Save
  • Marriage expenses of your child when he is still 15 years away from marriage ~ Invest but the same would be recommended as a saving in case your child is older and likely to get married soon.
  • You plan to retire in the next 25 – 30 years ~ Invest

Things to keep in mind

While you save, don’t ignore your important expenses just because you want to grow your corpus. Make proper provisions for all your necessities. Avoid unrealistic expectations from your investments – they need time to grow. Draw a proper plan to meet your short, medium and long term goals without impacting your day to day life. For proper guidance and better results, always consult an investment planner from time to time.


Beeline Wealth is a popular financial advisory service in Zirakpur, which can help you choose the best course towards savings and investments. Connect with them today to know what is best for your portfolio.

To be an intelligent investor and know your funds better. Feel free to discuss your queries at 99880-85522 & Mail at .