Types of funds, SIP vs lumpsum, direct vs regular, ELSS tax saving, and how to start investing.
India has 44 SEBI-registered AMCs managing ₹67 lakh crore+ in AUM.
Invest in stocks. Types: Large Cap, Mid Cap, Small Cap, Flexi Cap, Thematic. Risk: Medium–High. Horizon: 5+ years. Best for wealth creation.
Bonds and Govt Securities. Lower risk. Taxed at slab rate from Apr 2023. Good for 1–3 year goals and parking surplus.
Mix of equity + debt. Balanced Advantage Funds auto-adjust allocation. Ideal for moderate-risk first-time investors.
Track Nifty 50 / Sensex. Expense ratio 0.1–0.2%. Cannot underperform the index. Best for long-term wealth accumulation.
Tax saving under Section 80C. 3-year lock-in. Historically 12–15% CAGR. Best tax-saving investment option.
Ultra-safe, 6–7.5% returns. Better than savings account for parking money. T+1 redemption. No exit load after 7 days.
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