June 19, 2021

Franklin Templeton Mutual Fund: NAV, Performance, Latest MF Schemes.

Franklin Templeton Mutual Fund

Franklin Templeton Investments was established in 1947. The organization, since its launch, has provided services for managing assets for institutional, retail, and high-profile clients.

Apart from offering mutual funds, the firm provides several other investment options like private funds, exchange-traded funds (ETF), and accounts that are managed separately.

Franklin Templeton Mutual Fund in India

The company offers schemes such as fixed income, equity, multi-asset, and other alternatives. 

Franklin Templeton Investments serves as a platform for trading, portfolio, and research. It also deals with investment risk management.

Presently, Franklin Templeton has its branches in over thirty-four countries. It has employed over six hundred professionals and recruits more than 9500 salaried individuals.

Franklin Templeton Mutual Fund in India

The company started functioning in India in 1996 under the name Templeton Asset Management India Pvt. Ltd. The Franklin Templeton Mutual Fund is authorized by SEBI to offer its services under the registration number MF/026/96/8. 

The company provided its first-ever mutual fund service in September 1996 under the name of Templeton India Growth Fund. The company has been operating twenty-one funds for ten years and various others that have exceeded the twenty-year mark. 

The company bought the stakes of PIONEER ITI AMC Ltd. in 2002 to become the second-largest mutual fund after UTI. 

Franklin Templeton Investments is among the few companies dealing in asset management with in-house registrars for providing efficient service management for its clients. 

The organization offers loyalty programs where the customers can interact with the fund management team, and get exposure to external management development schemes, yearly leadership events for the exchange of ideas, and several elaborate engagement programs.

Templeton Asset Management India Pvt. Ltd. has committed itself to several CSR programs:

  • Installation of four water purifier plants for supporting six thousand families in collaboration with the Bala Vikasa Social Service Society.
  • Aiding the process of supplying five thousand rickshaws in association with the American India Foundation Trust.
  • Setting up fifty camps to train two thousand youth in vocational skills in collaboration with the Kherwadi Social Welfare Association.
  • Providing assistance and support to in and around 2353 girl children in Chennai in association with the K. C. Mahindra Educational Trust.
  • Establishing the Abhudaya English Medium School in Mumbai in collaboration with The Akanksha Foundation.

The Statement of Additional Information (SAI) provided by SEBI states that Franklin Templeton Investments’ total income is $6,392.2 million, profit after tax of $1,696.7 million, and a gross worth of $14877.7 million in 2017.

Templeton Asset Management India Pvt. Ltd. offers approximately 197 schemes with assets under management (AuM) amounting to roughly INR 1.19 Lakh Crore as of 31st March 2017.

Important Information about Franklin Templeton Mutual Fund

Franklin Templeton Mutual Fund

Ten Top-Performing Franklin Templeton Mutual Fund Schemes

Franklin Templeton comprises almost all types of mutual funds permitted by the Securities and Exchange Board of India or SEBI. The ten most viable Franklin Templeton mutual fund schemes in India are mentioned below. 

1. Franklin Asian Equity Fund (Category – Equity: International)

This open-ended fund has a NAV of 32.5721 (Regular Growth) (as on 16th April, 2021), and is one of the top-performing funds in the ‘Equity: International’ category. The fund was launched on 16th January 2008 and has given trailing returns of 50.57% in one year (as on 16th April, 2021). The fund considers the MSCI Asia (Ex-Japan) Standard TRI as its benchmark.  

Key Information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum WithdrawalINR 1,000
Exit Load1% for withdrawals before 365 days
Return Since Inception (16th January 2008):9.32% (as on 16th April, 2021)
AssetsINR 261 Crore (as on 31st March, 2021)
Expense Ratio2.66% (as on 31st March, 2021)

2. Franklin Build India Fund (Category – Equity: Sectoral-Infrastructure)

This open-ended fund has a NAV of 48.7310 (Regular Growth) (as on 16th April, 2021), and is one of the top-performing funds in the ‘Equity: Sectoral – Infrastructure’ category. The fund was launched on 4th September 2009 and has given trailing returns of 63.13% in one year (as on 16th April, 2021). The fund considers the S&P BSE India Infrastructure TRI as its benchmark.  

Key Information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum WithdrawalINR 1,000
Exit Load1% for withdrawals before 365 days
Return Since Inception (4th September 2009):14.60% (as on 16th April, 2021)
AssetsINR 954 Crore (as on 31st March, 2021)
Expense Ratio2.40% (as on 31st March, 2021)

3. Franklin India Banking & PSU Debt Fund (Category – Debt: Banking and PSU)

This open-ended fund has a NAV of 17.5362 (Regular Growth) (as on 16th April, 2021), and is one of the top-performing funds in the ‘Debt: Banking and PSU’ category. The fund was launched on 25th April 2014 and has given trailing returns of 7.41% in one year (as of 16th April, 2021). The fund considers the NIFTY Banking and PSU Debt TRI as its benchmark.  

Key Information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum WithdrawalINR 1,000
Exit LoadNil
Return Since Inception (25th April 2014):8.38% (as on 16th April, 2021)
AssetsINR 971 Crore (as on 31st March, 2021)
Expense Ratio0.52% (as on 31st March, 2021)

4. Franklin India Bluechip Fund (Category – Equity: Large Cap)

This open-ended fund has a NAV of 589.7367 (Regular Growth) (as on 16th April, 2021), and is one of the best-performing funds in the ‘Equity: Large Cap’ category.

The fund was launched on 1st December 1993 and has given trailing returns of 59.97% in one year (as on 16th April, 2021). The fund considers the NIFTY 100 TRI as its benchmark.  

Key Information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum WithdrawalINR 1,000
Exit Load1% for withdrawals before 365 days
Return Since Inception (1st December 1993):19.79% (as on 16th April, 2021)
AssetsINR 5,927 Crore (as on 31st March, 2021)
Expense Ratio1.93% (as on 31st March, 2021)

5. Franklin India Corporate Debt Fund (Category – Debt: Corporate Bond)

This open-ended fund has a NAV of 77.3349 (Regular Growth) (as of 16th April 2021), and is one of the top-performing funds in the ‘Debt: Corporate Bond’ category.

The fund was launched on 23rd June 1997 and has given trailing returns of 8.71% in one year (as of 16th April 2021). The fund considers the NIFTY Corporate Bond TRI as its benchmark.  

Key Information

Minimum InvestmentINR 10,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum WithdrawalINR 1,000
Exit LoadNil
Return Since Inception (23rd June 1997):8.96% (as of 16th April, 2021)
AssetsINR 855 Crore (as of 31st March, 2021)
Expense Ratio0.89% (as of 31st March, 2021)

6. Franklin India Credit Risk Fund (Category – Credit Risk)

This open-ended fund has a NAV of 20.8784 (Regular Growth) (as of 16th April 2021), and is one of the top-performing funds in the ‘Debt: Credit Risk’ category.

The fund was launched on 7th December 2011 and has given trailing returns of 12.41% in one year (as of 16th April 2021). The fund considers the NIFTY Credit Risk Bond TRI as its benchmark.  

Key Information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum WithdrawalINR 1,000
Exit Load3% for withdrawals before 365 days
Return Since Inception (7th December 2011):8.18% (as on 16th April, 2021)
AssetsINR 2,831 Crore (as on 31st March, 2021)
Expense Ratio0.06% (as on 31st March, 2021)

7. Franklin India Debt Hybrid Fund (Category – Hybrid: Conservative Hybrid)

This open-ended fund has a NAV of 64.1426 (Regular Growth) (as on 16th April, 2021), and is one of the top-performing funds in the ‘Hybrid: Conservative Hybrid’ category. The fund was launched on 28th September 2000 and has given trailing returns of 15.97% in one year (as on 16th April, 2021). The fund considers the CRISIL Hybrid 85+15 Conservative TRI as its benchmark.  

Key Information

Minimum InvestmentINR 10,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum WithdrawalINR 1,000
Exit Load1% for withdrawals before 365 days
Return Since Inception (28th September 2000):9.46% (as on 16th April, 2021)
AssetsINR 189 Crore (as on 31st March, 2021)
Expense Ratio2.30% (as on 31st March, 2021)

8. Franklin India Dynamic Accrual Fund (Category – Dynamic Bond)

This open-ended fund has a NAV of 71.2946 (Regular Growth) (as on 16th April, 2021), and is one of the best-performing funds in the ‘Debt: Dynamic Bond’ category. The fund was launched on 5th March 1997 and has given trailing returns of 7.07% in one year (as on 16th April, 2021). The fund considers the CRISIL Composite Bond TRI as its benchmark.  

Key Information

Minimum InvestmentINR 10,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum WithdrawalINR 1,000
Exit Load3% for withdrawals before 365 days
Return Since Inception (5th March 1997):9.32% (as on 16th April, 2021)
AssetsINR 1,599 Crore (as on 31st March, 2021)
Expense Ratio0.06% (as on 31st March, 2021)

9. Franklin India Dynamic Asset Allocation Fund of Funds (Category – Dynamic Asset Allocation)

This open-ended fund has a NAV of 87.1332 (Regular Growth) (as on 16th April, 2021), and is one of the top-performing funds in the ‘Dynamic Asset Allocation’ category. The fund was launched on 16th January 2008 and has given trailing returns of 18.91% in one year (as on 16th April, 2021). The fund considers the CRISIL Hybrid 35+65 Aggressive TRI as its benchmark.  

Key Information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum WithdrawalINR 1,000
Exit Load1% for withdrawals before 365 days
Return Since Inception (16th January 2008):13.19% (as on 16th April, 2021)
AssetsINR 922 Crore (as on 31st March, 2021)
Expense Ratio1.74% (as on 31st March, 2021)

10. Franklin India Equity Advantage Fund (Category -Large and MidCap)

This open-ended fund has a NAV of 96.9132 (Regular Growth) (as on 16th April, 2021), and is one of the top-performing funds in the ‘Equity: Large & MidCap’ category. The fund was launched on 2nd March 2005 and has given trailing returns of 70.05% in one year (as on 16th April, 2021). The fund considers the NIFTY Large Midcap 250 TRI as its benchmark.  

Key Information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum WithdrawalINR 1,000
Exit Load1% for withdrawals before 365 days
Return Since Inception (2nd March 2005):15.12% (as on 16th April, 2021)
AssetsINR 2,459 Crore (as on 31st March, 2021)
Expense Ratio2.38% (as on 31st March, 2021)

How Can You Invest in Franklin Templeton Mutual Fund Via EduFund?

Investing in Franklin Templeton Mutual Fund through Edufund is an easy, seven-step process.

Step 1: Create an online account on EduFund by downloading the EduFund App from Apple Store or Play Store 

Step 2: Choose a Scheme: Look through several Franklin Templeton Mutual Fund schemes and choose the best scheme for your financial situation. You can invest in a Systematic Investment Plan (SIP) or a total sum. The inbuilt recommendation mechanism suggests the scheme that is best suited for your financial goals.

Step 3: View and Track Your Transaction(s) – Your EduFund account will reflect the amount you have laid out on a specific scheme within four working days. You can track the Mutual Fund NAV, statement, account balance, and other vital information in the app. You can buy, redeem, or switch between Franklin Templeton Mutual Fund units.

Step 4: Consult a Mutual Fund Counsellor – You can get in touch with a mutual fund consultant to discuss your targets and get personal guidance. 

EduFund uses premium encryption and authentication technologies akin to a bank to safeguard your transactions and investments.

Five Best Performing Fund Managers at Franklin Templeton Mutual Fund 

A Fund Manager plays a decisive role in instilling values and steering growth. The top-performing fund managers at Franklin Templeton Mutual Fund, whose stellar performance has steadily generated the best dividends, have been mentioned below. 

Mr Anand Vasudevan

Mr Vasudevan earned his B.Tech from the Indian Institute of Technology, Madras and a PGDM from IIM Calcutta. He post-graduated with a Masters in Finance from the London Business School. Presently, he is the Senior Vice President of the Franklin Templeton Mutual Fund and heads the Equity operations in India. 

He was associated as an Equity Research Analyst with the Dresdner Kleinwort Wasserstein and Bruyette and Woods, Keefe in 2001 and 2004, respectively. Then he joined Franklin Templeton.

Anand Vasudevan teamed up with Templeton Asset Management Private Limited in 2007. He has operated as the Head of Research since 2008. Currently, he is in charge of the Franklin India Flexi-cap Fund and Franklin India Bluechip Fund.

Mr Anand Radhakrishnan 

Mr Radhakrishnan graduated with a B.Tech degree in Chemical Engineering from Anna University, Chennai. He earned a PGDM from IIM Ahmedabad. Mr Radhakrishnan is also a certified Chartered Financial Analyst. 

He has been working in the sector of Investment Management since 1994. In the initial days of his career, he was the Deputy Manager of Equity Research at SBI Mutual Funds Management. He was associated with Sundaram Mutual Funds for eight years in a row. 

Radhakrishnan is presently the Chief Investment Officer at the Franklin Templeton. Before it, he was the Senior Vice President, Head of Portfolio Analytics, and the Portfolio Manager of the said organisation.

Mr Radhakrishnan handles the operations at the Franklin India Infotech Fund, Franklin India Bluechip Fund, Franklin India Taxshield, FT Dynamic PE Ratio of Funds, Franklin India Prima Plus, and FT India Life Stage Fund of Funds. He also spearheads the equity sector of all types of hybrid funds.

Ms Roshi Jain

Ms Roshi Jain is a Chartered Accountant and a Chartered Financial Analyst. She earned her PGDM from IIM Ahmedabad.

She inaugurated her career at SR Batliboi. She was a part of the Research Wing of the Goldman Sachs Group Inc. Hong Kong / Singapore in 2002. She relocated to the London branch of Goldman Sachs two years later.

Presently, Ms Jain is the Assistant Vice President of the Franklin Templeton Mutual Fund. She doubles up as the Co-Portfolio Manager and Equity Research Analyst at Franklin Templeton. She specialises in engineering, retail, power, cement and construction in India and the ASEAN region.

Mr Anil Prabhudas

Mr Prabhudas is a B.Com from the University of Mumbai. He is also a certified Chartered Accountant from ICAI. In 1994, he was associated with the Pioneer ITI before being roped in by Templeton Asset Management India Pvt. Ltd. He is entrusted with the responsibility of providing research-oriented data on hotels, packaging, metals, sugar, and FMCG industries. 

He has held several key positions at Franklin Templeton. He was the ex-Assistant Vice President and the Portfolio Manager at Franklin India Index Tax Fund, FT India Index Tax Shield 99, FT India Index Fund – Franklin FMCG Fund, Franklin India Index Fund, NSE Nifty Plan, and BSE Sensex Plan.

Mr. Prabhudas is presently acting as the Fund Manager of Franklin India Taxshield Fund, Franklin India Opportunities Fund, FT India Monthly Income Plan, Templeton India Pension Plan, FT India Balanced Fund, and Templeton India Children’s Asset Plan.  

Mr Janakiraman Rengaraju 

Mr Rengaraju graduated from the Government College of Technology, Coimbatore, with a B.Tech degree. He also earned a PGDM from IIM Bangalore. Apart from having a B.Tech and a PGDM degree, he is a Chartered Financial Analyst too.

He was associated with UTI Securities, Mumbai previously. He was in charge of the investment corpus management while he was with the Indian Syntans Group. 

Currently, Mr Rengaraju is the Assistant Vice President, Senior Research Analyst of Equities, and the Portfolio Manager at Franklin India. He specialises in media, telecommunications, and automobiles.

He is also responsible for managing some of the mutual funds of the organisation, such as the Franklin India Prima Fund and Franklin India Prima Plus. 

Why Should You Invest in Franklin Templeton Mutual Fund?

Franklin Templeton Mutual Fund is one of the top-performing AMC in India. It has more than a hundred schemes to select from. The AMC has a legacy of over seventy years and manages assets of over INR 1.19 Lakh Crore. It has a vast network of empanelled distributors who provide its financial services to its investors.

The fund firm has 1300 branches in total with outreach at over 32 Indian states, which offers its services to all ranks of investors. Whatever be your investment target, you can get a Franklin Templeton mutual fund scheme to achieve your financial goals.

Experienced fund managers at Franklin Templeton Mutual Fund simplify the process of investing in the stock market and secondary market for you.

Select EduFund For Investing in Franklin Templeton Mutual Fund 

EduFund simplifies the process of investing in Franklin Templeton mutual funds. Experienced consultants at EduFund offer you personalised solutions for your financial ambitions. You can begin by investing from a meagre INR 5,000 and increase your capital conveniently. 

Benefits with Edufund
  • Customised Research-Based Financial Plan – EduFund’s scientific fund tracker monitors over 1 lakh data points and 400 financial situations to suggest the best mutual funds.
  • Customer-Friendly Counsellors Help You Create a Financial Plan – EduFund’s counsellors are equipped to manage all kinds of questions from customers. They spend as much time with you as you need and solve all your queries to help you create a healthy financial plan.
  • Invest Less, Earn More – Just not the best Indian mutual fund, EduFund provides you with the opportunity to invest in US Dollar ETFs and international mutual funds.
  • Use Tools Free of Cost – EduFund offers several free tools for its clients, including SIP Calculator, College Savings Calculator, etc.
  • No Technical Skill Needed- You need not be a pro in finance to understand which mutual fund is perfect for you. EduFund does the job for you.
  • Value-Added Benefits – You may get value-added benefits like free advisory, zero commission, and zero hidden charges.
  • Safeguards Transactions – EduFund is RIA-registered and uses top-class 128-SSL security to ensure safe transactions.
  • Special Support for Children’s Education – EduFund has a team of experts committed to helping you fulfil your children’s educational goals.  
Consult an expert advisor to get the right plan for you
  • Table of Contents

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    4 essential tips on investing in your child's education

    4 essential tips on investing in your child's education

    Life becomes easier and more manageable with planning. A very important part of a happy and balanced life is managing your finances well. This responsibility becomes manifold if you have a family to provide for. Prioritizing the prior planning of your child’s college education can make your retirement life effortless and stress-free. Put away savings to preserve wealth. Invest money to generate more wealth. At the end of the day, gaining that fine balance between your savings, investments, and spending habits is what will secure a beautiful future for you as well as your family. Here are some pro tips on how to invest and save for your children’s college education. 1. When to start? Timing is everything. The logic is simple - the earlier you start, the more wealth you can generate and accumulate. You may begin as early as the family planning stage itself. Even if you do not have a clear sight of the stream of academics your child might pursue later in life, it does not hurt to put away money. As your child grows up, they might decide upon what line of academics they want depending on their career goals. Your savings will come in handy in reassuring your child that you are perfectly prepared to back them in realizing their dreams as there will already be a considerable amount of funds they can count on. 2. Compartmentalise your savings The habit of saving money regularly is one of the healthiest habits one can inculcate. But mastering the art of saving requires self-regulation and a sense of organization. Putting away a bulk of money indiscriminately is not the most effective way of saving. Keep track of your expenses and your income; device upon an amount you can afford to put away as savings. Make a list of all the things you need to save for - emergencies, education, health, housing, and so on. Divide your savings accordingly. The act of compartmentalizing savings can also be effective in regulating your spending habits. You can also inculcate this healthy habit in your child from an early age by encouraging them to save money from their monthly allowances. 3. Consider different investment options Investing is always an improvement upon saving because investments can generate new wealth. Thus, it is not enough to just put away money as savings; you also need to allocate funds to certain investments that suit your monetary goals. There are different kinds of investment channels you can opt for. Some of us prefer fixed or recurring deposits while others want to generate more returns and go for mutual funds. Mutual funds can be of different types depending on the factors like the amount of risk, duration, return rates, etc. The mode of payment can also vary. For example, you can go for a one-time investment or you can choose monthly SIPs. Be well aware of all kinds of investment plans available so that you can choose the best one for yourself. 4. Invest in a global education Your savings and money made from investments will be especially useful when you send your child abroad to pursue a college education. Even if you are not sure about the possibility of global education in the future, it is always advisable to remain prepared for the same. Simply saving money is not enough. Investing is a better idea and in the case of global education, it can be beneficial to invest in foreign stocks. This is because the value of the Indian currency is forecasted to fall in comparison to other stable currencies in the world. This means that the cost of living and studying abroad will be way higher than the cost of living and studying in a new city within India. Once you set your financial goals, find out about investment schemes with international equity funds from countries like the US, so that you can make money in a more stable currency. Conclusion There can be several investment goals relating to different parts of your life like yourself, your spouse, relatives, housing and accommodation, health, gadgets, and emergencies. Mixing these up will only cause chaos and distress. Hence, it is important to think separately about saving for your children’s college education and indulge in smart investments. Consult an expert advisor to get the right plan TALK TO AN EXPERT
    4 W’s of Balanced Advantage Funds

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    5 financial things to consider before child planning.

    5 financial things to consider before child planning.

    Both life and wallet will never be the same once you decide to have a baby. No event in your life will signify financial change quite the way this one does, from the first prenatal appointment to the day of their college graduation (and beyond). 5 financial things to consider before child planning 1. Create a budget Before you start child planning, you need to have a budget in place. You and your partner may need to create a realistic budget based on your expenses and your streams of income. Once you know how much you can afford to spend, you will be able to tackle the costs easily. A new child is a new family member that needs space! So if you need extra space once the baby is born, figure out what kind of home you can afford, whether it's a slightly larger apartment, a warm cottage, or a pricey house. Will you want the latest baby things or your sister’s passed-on ones? Think about what sort of child care would you require and get candid with your expenses before you start making any purchases. 2. Costs associated with birth As new parents, you need prenatal vitamins, alternative therapies, labor and delivery alternatives, and screening tests. Give yourself enough time to change or upgrade insurance plans should you need more comprehensive coverage. Good health insurance is vital in this economy. Hospital bills, medical fees, and maternity costs can be high. According to estimates from the industry, a straightforward delivery could cost between Rs 50,000 and Rs 70,000, but a private specialty hospital could charge up to Rs 2-3 lakh. A cesarean delivery could result in a cost rise of up to Rs 4-5 lakh. Before having a kid, you should make financial arrangements for the costs associated with the delivery and child care. 3. Consider maternity leave The vast majority of Indian employees are not entitled to paid family leave. If the mother is employed, you might need to think about taking a lengthier (unpaid) maternity leave or a sabbatical for a year or two. This can be a huge financial loss for families that rely on both streams of income. Paid parental leave is not always an option. Find out if your workplace offers paid leave for new parents and if there are any policies in your favor that you can utilize. Determine the number of weeks covered and the proportion of your salary that is used. Do you have to use your sick and vacation days first? If you don't have access to paid time off or you're going to take more unpaid time off, you might want to cut costs or rely on your savings. Additional read: Money management tips for homemakers 4. Purchase life and health insurance You'll want your child to be stable financially if something were to happen to you or your partner. A life insurance policy can assist pay for things like child care, housekeeping, cooking, and more. Purchasing maternity insurance is the first action you can take to cover maternity costs. When purchasing health insurance, (even for a couple), it is important to confirm that the policy includes coverage for maternity costs and, if applicable, any applicable waiting periods. Additionally, by paying a larger rate, you might add pregnancy coverage to a current insurance policy. Buying health insurance is most important when considering having a child. Get your health covered in your plan so that you are not financially burdened in case of a health emergency. 5. Plan for child’s education Just like the prices of lemons and oranges are growing, the cost of education is skyrocketing. Saving for your child’s college is a necessity. When it comes to saving money for college, time and compound interest are your best friends. Even while inflation is an unavoidable fact, keep in mind that education inflation is far higher. Utilizing the force of compounding is one approach to combat this, but it will only be effective if you have a long-term strategy in place. You indeed have no idea what career path your child will take, but you still need to put aside a portion of capital that can be utilized when the time comes. Right now, you need to think about the type of education you would like to offer because the practical costs of studying engineering in India vs the US would be very different. From giving birth to seeing them off to college, watching your child grow and thrive is every parent’s dream! So give those dreams wings by planning ahead and investing for their bright future!  Consult an expert advisor to get the right plan TALK TO AN EXPERT
    5 Pro tips on creating your child's education fund

    5 Pro tips on creating your child's education fund

    Everyone speaks about the rewards of preparing early for education funds and securing them as soon as possible. What they forget to explain is how to reach that goal. Fear not, for we have prepared a list of things you might want to tick off if you want to secure your child’s education.  1. Choosing the right platform is important There are a number of investment platforms available for investors. As an investor with a goal in mind (the education fund for your child), it is important to choose a platform that is built for that purpose or has certain advantages in the pursuit of your goal. There are two great advantages of choosing a goal-specific platform - one, you separate your investments in a way that you know how much amount is set aside for that particular goal every month, and second, you get the added goal-related benefits that the platform could offer. In the case of EduFund, a platform built for parents to save for their children's education fund, you have added advantages like readily available education loans if you fall short, or free counseling if your child needs it. 2. Investing in the right mutual funds  Once you decide to invest in mutual funds to achieve higher returns than Fixed Deposits, you also need to do your research to find which investment schemes are best suited for you. Many factors play crucial roles in this procedure. For example, one of the first things you need to consider is the balance between your monetary goals and the level to which these will be fulfilled by the fund returns and the risk associated.  Time is another important factor that will shape your decision in this matter. You also need to consider what exactly you want out of your investment whether it is tax reductions or high returns with high risks or more stabilized returns with low risks. To indulge in smart investments, stay aware of the best investment schemes currently trending in the stock market. 3. Investing in international stocks Parents who like to stay alert about the current trends related to the education system and finances must be well aware of the phenomenon called education inflation. This is what makes a global education exponentially more expensive than one attained within India.  The value of the Indian Rupee has depreciated over the years against foreign currencies like the American dollar. This means that the cost of a course pursued in a foreign land like the US or the UK will be tenfold compared to the same course pursued in this country. The cost of living will be equally high overseas. A smart way to deal with this problem is to invest in international equity funds. This means higher returns because if you invest in US stocks, you will be earning in dollars, not rupees. Moreover, if your investments in Indian stocks get affected by market fluctuations, you can still depend upon your foreign stock investments which will remain relatively more stable.  4. Consider the availability of education loans  Sometimes your life savings and your investment returns are not enough to fund your child’s education. Do not worry. Education loans can take care of your child’s aspirations in such situations. Even if you are in a position to be able to afford your kid’s dream college, student loans are still a healthy way to teach your kid the value of money and how to build credit.   Creditworthiness is a virtue that will financially discipline your child so that they can take monetary decisions in your absence. It will also ensure that they can take future loans as part of their education fund at low-interest rates. Only loans exceeding a very high amount of money require collateral or a security deposit, which means you can easily avail of student loans.  5. The right guidance for your children Career and academic counseling sessions are crucial for your kid if they are going through a transition phase in their lives. As their primary caregiver, you are entitled to guide their way but sometimes what might be required is professional help. You are longer required to pay for these counseling sessions. A platform like EduFund offers them the best education counseling services in India for free of cost. Let nothing stop your child from achieving their goals.  6. Expert advice to get you to your goal EduFund believes in helping you attain as much clarity on financial affairs as possible. In case of expert advice on investment, you can rely on the world-class experts from EduFund. The Edufund app provides you with all the useful tools to attain the best from your child’s education fund.  For example, it comes with a calculator that helps you calculate the education cost. This is a smart calculator developed to give you inflation-adjusted rates. This is the first step toward getting an idea of how much you will need to invest or save up as an education fund.  FAQs How do I plan my child education fund? Starting early is key to building your child's education fund. You can start saving with mutual funds, PPF, US stocks, Indian stocks, fixed deposit and much more. Before starting it is important to consult a financial advisor and figure out the cost of education before starting an SIP. Which fund is best for child education? Here are some of the best funds for your child's education fund: Axis Long-Term Equity FundSBI Equity Hybrid FundParag Parikh Flexi Cap FundAditya Birla Sun Life Tax Relief 96 Fund Growth Aditya Birla Sun Life Tax Plan-GrowthDSP BlackRock Tax Saver Fund Growth Axis Long-Term Equity Fund Growth How do you build a corpus for child education? The first step to building a corpus for child education fund is to figure out the cost using the College Cost Calculator. Knowing the financial goal you need to invest in before starting an SIP helps you remain focused and know the exact amount you need to save monthly to get started. Conclusion What seems like a mammoth task can be easily managed by diving it into smaller tasks and simplifying it. Each small step is quite crucial in itself. But once you have the checklist ready, you can be sure if not losing sight of things. DisclaimerMutual fund investments are subject to market risks. The previous performance of a fund or scheme is no guarantee of future success. Please read the offer document carefully before investing.
    5 reasons why SIP is the best investment choice?

    5 reasons why SIP is the best investment choice?

    A systematic investment plan or SIP is a plan that helps you invest in mutual funds on a regular basis.  You can choose to invest weekly, monthly or even quarterly – the most popular choice being monthly. There are multiple reasons why SIPs are the best way to grow your money especially when you have a goal to plan – e.g. your child’s education. SIPs can be bought easily and you can start with a very low amount - Rs. 500 per month. In this blog, we will talk about the ‘Big 5 advantages’ that SIPs offer to you as a parent. But before that, let's understand what a SIP is What is SIP? A SIP or systematic investment plan is an investment mode through which an investor can create a regular mechanism of investment for themselves. Let's take the example of investor X. Investor X wishes to invest Rs. 10,000 every month in a mutual fund. In this case, investor X can create a SIP for a fund they want to invest in and the money will be deducted every month automatically (the deduction can be weekly, monthly, or even quarterly, depending on the investor's choice). Think of it as a recurring deposit, with better returns. Now that we know what a SIP is, let's get to know why investing via SIP is the best choice you can make to enlarge your corpus. 5 Reasons why you should invest via SIP These are the 5 main reasons why you should invest via a systematic investment plan to reach your financial goals 1. Suitable for Long-Term Investment Any financial advisor will tell you that if you want to invest long-term, SIP is the way to go. The reason is simple, regular investing and automatic deductions keep investors motivated to stay invested and reach their investment goals quicker. During the 2008 financial recession, many people withdrew money from mutual funds. However, the ones that remained invested via SIP, attained a huge profit once the markets rose. Long-term investing makes sure that even if the market is down at the moment, once the markets rise, the investor will make profits. 2. Goal-planning ‍SIPs are good tools to plan for a future goal – to buy a 4-wheeler or to pay for college tuition fees maybe 10-15 years from now. When you determine the amount required to achieve your goal, you will know how much you should invest and how long it will take to reach your goal. This will help in planning effectively. Having financial goals is very important to creating a financially secure future. One must have a defined idea about what financial goal one wants to reach by the age of 30, 40, 50, and so on. 3. Effect of Compounding Compounding is one of the biggest advantages of a SIP. Over time your investments grow because you start earning returns not on your principal amount, but on the interest that keeps getting added to it. Let's take an example. Suppose you invest Rs.1,000 in a mutual fund which gives you a yearly return of 10% p.a. Your amount becomes 1,100. at the end of the first year. At the end of the second year, the rate of return is 11%, this time the returns will be calculated on Rs. 1,100 and not the principal amount, which is, Rs. 1,000. ‍This ensures growth of your corpus and one of the reasons why experts advice you to not withdraw your investments when the market is down. 4. Curated by Experts With the increasing number of fund types like equity, debt, mixed, gold-based etc. there is a wide variety to choose from based on your risk appetite and preferred investment duration. This has led to customized offerings based on individual needs, supervised by experts in the SIP domain. All you need is to specify your goal and timeline and you are provided with the best possible funds that can meet your future goals. ‍SIPs have become popular over the past few years, because of the ease of investing and the flexibility provided in terms of the amount of money that can be invested. You can stay invested as long as you want, although average returns have been higher when invested in the long term. Research also shows that the returns offered by SIPs are more than recurring deposits in banks, in the long term. 5. Automates Your Investment Experience SIPs automate your investment experience, which makes you a regular investor. It is easy and convenient and because of the online surge, today, it is super easy to invest via SIP. If you choose the lump sum method, you will have to manually invest an amount and there may be times when you can miss an installment. ‍With automated installments and a streamlined process, investing via SIP has now become an extremely popular method, to reach long-term goals like saving up for your child's education. Consult an expert advisor to get the right plan TALK TO AN EXPERT
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    5 tips to know before investing in US stocks

    5 tips to know before investing in US stocks

    If you want to invest in the US stock market to benefit from US stocks, you may start by opening an international trading account in India. But before investing in US equities, here are the 5 important things to know before investing in US stocks. 1. Regulatory framework One of the oldest, most effective, transparent, and well-regulated stock markets in the world is the one in the United States. On US stock markets are listed some of the largest businesses in terms of market capitalization, sales, and profitability. The worldwide exposure and flavor that US markets offer are crucial since many of these listed firms have a significant global presence, scale, and operational structure. The regulatory body that monitors the operation of the US stock markets is the Securities and Exchange Commission (SEC), which was founded in 1934. It guarantees the strict application of laws and rules that establish the highest standards of openness and integrity—essential for stock markets as well as for the safety and trust of investors. 2. Impact of Foreign Exchange  The volatility in the value of the US and other currencies should be taken into account while investing in US equities. This is because before any gain (or loss) for an Indian investment is realized, it would be converted using the appropriate exchange rate in the Indian rupee. The gains (or losses) will fluctuate in lockstep with changes in the exchange rate. An Indian investor must be aware that the exchange rate can be unpredictable and is influenced by a wide range of political, economic, and supply and demand variables. 3. Liberalized Remittance Scheme According to the Reserve Bank of India's Liberalized Remittance Scheme, an individual may invest up to $ 250000 per year in US equities from India (LRS). The cap covers any money sent abroad for purchases, travel, education, or other international transactions during the year. The investor's brokerage account has to be filled before making any investments in US equities. Investors must complete Form A-2, which is available from RBI-authorized dealers. Any sum over the $250000 cap requires RBI approval. Additional read: US stocks for investing in child education 4. Taxation To make your efforts worthwhile, it is crucial to take into account the tax consequences of your international assets. Due to the Double Tax Avoidance Agreement (DTAA) between the US and India, the same income cannot be taxed twice on investments made in the US stock market. 5. Dividend tax The dividends from US stocks are taxed at a fixed rate of 30% for overseas investors. However, as a result of the tax agreement between the US and India, citizens of India pay a 25% tax rate (deducted before distribution). However, because of the double tax avoidance agreement between the US and India, the tax paid in the US may be claimed as a foreign tax credit in your domestic filing. 6. Capital gains tax Your assets in the US are not subject to capital gains tax. However, India requires you to pay tax on your overseas capital gains. This may be divided into two groups.: Long-term capital gain (LTCG)If you keep the equities for more than 24 months before realizing capital gains, you will be subject to indexation advantages and a 20% tax rate in addition to any relevant fees and other surcharges. Short-term capital gain (STCG)Standard income-tax regulations apply to any gains from assets held for less than 24 months, and they are added to your ordinary taxable income. You must also take into account the recently implemented Tax Credited at Source or TCS. Under the new regulations, a 5% TCS will be applied to all international transfers over INR 7 Lakhs in a fiscal year. It is not an additional expenditure to deduct this advance tax when submitting your taxes each year. Charges on US stock-broking account  Using an Indian stock brokerage account to invest in the US stock market is prohibited. You would need to create one with a US stock brokerage company instead. To provide this service, the majority of Indian stock brokers who allow you to invest in US equities typically collaborate with a US stockbroker. You would also be required to pay certain fees for a US stock broking account, just like you would for an Indian trading account. This is something you should also take into consideration when you buy US stocks because these fees can reduce your earnings. These fees include Annual Maintenance Costs, brokerage charges, bank charges, transaction charges, and more. Invest in the US stocks with EduFund  Download the EduFund app and create an account to start investing in US stocks. With zero charges and no hassle account opening process from the comfort of your home, you can start investing in FAANG stocks in your portfolio to geographically diversify your portfolio!! Thus, investing in US firms and equities may give investors access to the worldwide market, credibility, and an opportunity to increase their wealth. Consult an expert advisor to get the right plan TALK TO AN EXPERT
    5 top investments for risk-averse investors

    5 top investments for risk-averse investors

    All investments are associated with risks. Yet, the risk is not uniform, and it's essential to be aware of the different levels of risks linked with all types of investment instruments. This is why the first thing to consider before investing is how much of a risk appetite has – how much risk one is willing to take. Want to know the best investment options for risk-averse investors but still generate good returns? Continue reading this article to know more! What is risk averse? Risk-averse refers to an investor who chooses to preserve the capital over and above its potential to generate returns that are higher than the average. Risk can refer to many factors – volatility, currency, market, credit rating, etc. Risk-averse can also refer to a conservative investor. Low risk symbolizes stability in investments. A low-risk investment generates guaranteed reasonable returns, if not outstanding, above benchmark returns. But chances are near zero that the principal investment amount will be lost. Whereas a high-risk investment option may gain or lose money over time. Risk-averse investors are unwilling to accept market volatility. They prefer their investments to be highly liquid - readily available to be withdrawn. Such investors usually include old investors or retired individuals who depend on their savings for their daily expenses. Additional read: Taxation in mutual funds Is FD a good option for risk-averse investors? One should constantly adjust their returns against the current inflation rate. The current Fixed Deposit interest rates are 5-7% p.a. on average. But the current inflation rates are around 6-8% p.a. Give these figures a thought. The price you pay for your everyday goods and services is rising at 6-8%, whereas your FD investments are growing at only 5-7%. FDs do not increase the value of your money over time. In fact, you actually lose money or its purchasing power over time. Do you think FDs are the safest investment option? Banks defaulting on payments is rare but definitely possible. The Deposit Insurance and Credit Guarantee Corporation (DICGC) guarantees Rs. 5 lakhs per person per bank if the bank defaults. Let's not forget the liquidity part of this instrument. Fixed deposits can have a lock-in ranging from 3-5 years. Banks penalize the investors for withdrawing money before the lock-in is over. This penalty is in the form of a reduction of interest rate by a certain percentage. What are the best investment options for risk-averse investors? The market is filled with many investment options for investors with varying risk appetites. Let's look at some of the best investment options for risk-averse investors: 1. Short-term bond fund: The best alternative for investors who do not want exposure to FDs or volatile instruments. Short-term bond funds – bond funds with low maturity and a high potential to offer better returns. Debt Funds with longer maturity are subjected to interest rate risk. But short-term bonds have a lower interest rate risk as their maturity period is much lower. 2. Municipal and Corporate Bonds: State and local governments and companies usually raise money by issuing bonds to the public. Bonds offer lower risk than stocks. When a company is winding up, the bondholders are given first preference in the payment and settlement order. 3. Other debt funds: Other debt funds include banking and PSU Funds, ultra-short duration funds, Dynamic Bonds, etc. You could always invest a lump sum in these debt-based mutual funds and opt for a Systematic Withdrawal Plan (SWP). This would ensure that along with the returns being generated on your investments, you would also get a monthly income from these investments. This investment option is one of the best options for older people who want a monthly income. 4. Liquid funds: Invest in top-rated liquid funds to avoid loss of capital with a higher degree of safety for your primary investment. Also, when the market moves up, your investment performs better and generates higher returns in line with the market. 5. Dividend growth stocks: Stocks are not as safe as cash, savings, or other debt-based instruments. But they are safer than options and futures. Dividend-paying stocks are considered safer than high-growth ones as they minimize volatility, if not eliminate it. You don't depend on the value of the stock as you get a dividend as a regular income on your investment. Apart from debt-based investments, you could also apply a staggered investment approach in equity-based mutual funds for a long-time horizon. A periodically rebalanced portfolio helps you minimize your portfolio volatility and ensures efficient capture of up-market and down-market movements even with equity exposure.  Take the help of an Investment Advisor who will guide you through goal-based planning and help you choose your investments that are most suitable to your goals and objectives and your risk appetite. Consult an expert advisor to get the right plan for you TALK TO AN EXPERT
    5 types of mutual funds

    5 types of mutual funds

    Investing in mutual funds for your child’s education is always advisable. First of all, it is a less stressful option than investing in direct equity stocks because that requires you to have in-depth knowledge of market trends and fluctuations. Secondly, with mutual funds, there are a variety of schemes you can opt for depending on a range of factors. These factors could include the time period for which you can invest before liquidating, the amount of money you can invest, the amount you require to secure the education fund, the level of risk you can take, and so on.  When it comes to building an education fund, here are the top 5 types of mutual funds you can choose from. 1. Large-cap mutual funds The defining characteristic of large-cap equity funds is the fact that these funds invest in the top 100 Indian companies that have the highest market value. Large-cap mutual funds can bring in impressive returns if you remain invested for a long period. If you are a person who wants to avoid taking very high risks with your investments and has decided on investing early for your child’s education, this is the way to go. The average returns rate has historically beaten that of Fixed Deposits and similar investment alternatives. 2. Mid-cap mutual funds Mid-cap funds invest in Indian companies that come in the next best 250 in terms of market value. These funds are for you if you are ready to take on a higher level of risk. Justifiably, the return rates also tend to get higher. One way to satiate the risk appetite of mid-cap equity funds is to let them season for at least 7-10 years. If your child is in primary or middle school, investing in such a scheme will generate a wholesome amount of wealth by the time they are ready to pursue a college education.   3. Equity-linked saving schemes  Among the various perks of investing in mutual funds is the tax deduction benefit. Equity Linked Saving Schemes are devoted to enabling investors to save taxes, as the name also indicates.  The only catch here is that it has a compulsory lock-in period of at least 3 years. The aim here is to keep you invested longer to counter the risk level. If you can spare that amount of time, then ELSS is definitely a go-to. An added benefit is the historically high level of returns.   4. Low-risk options  There is this whole myth surrounding mutual funds that they only come with a high-risk factor. On the contrary, a debt fund is also a kind of mutual fund that comes with low risk, so much so that it remains undisturbed by market fluctuations.  Debt funds are still a better option than Fixed Deposits because they can generate a higher percentage of returns. So, if you are not in favor of taking high risks, debt funds are a go-to.  5. Hybrid mutual funds  If you are confused about your investment options or even hesitant about risking too much, the answer to your problems is a hybrid mutual fund. This kind of fund is a mixture of equity as well as debt.  Hybrid mutual funds bring in the best of both worlds. They tend to generate good returns at low risk. FAQs What are the different types of mutual funds? Large-cap mutual funds Mid-cap mutual funds Equity-linked saving schemes Low-risk options Hybrid mutual funds Which type of MF is best? The best type of mutual fund is the Hybrid mutual fund. Which MF gives highest return? Equity linked mutual funds are considered the mutual funds with the highest returns. Conclusion There will be miscellaneous financial goals you will be required to set if you are a family person. One among these might be to straighten up the roadmap to your child’s academic and career aspirations. The first step is calculating your expected expenses with the help of an education cost calculator. The calculator will help you draw your investment map to fulfill your child's aspirations. The earlier you invest, the more prepared you will be to make critical decisions as the moment arrives. DisclaimerMutual funds are subject to market risks. The previous performance of a fund is no guarantee of future success. Please reach out to an expert to know more about the schemes before investing.
    5 ways to make getting an education loan easier for your child

    5 ways to make getting an education loan easier for your child

    Today's expanding world of opportunity benefits greatly from education loans. Your child has so many educational courses to choose from. A decent education is essential for your child's growth and development, and several institutions throughout the world provide student loans with low-interest rates to those who cannot rely on their savings. Banks and other financial organizations provide outstanding education loans with a reasonable interest rate and loan payback time.  An education from a reputable university is the first step to a prosperous profession. The cost of college expenses is rising quickly, though, and for parents who might not have enough money, taking out an education loan sounds like a perfect alternative for their child. In reality, the cost of higher education overseas and for Indian parents has increased enormously due to the rise of the dollar value versus the rupee. This pattern is also observed in TransUnion CIBIL data, where the average ticket size of a newly issued student loan increased by 48 percent from INR 5.73 lakhs in 2015 to INR 8.5 lakhs in 2018.  So, here are the five best ways if you are planning to get a student loan for your kid and help them to pursue higher studies easily. Choose the right course  Let your child choose a subject that fascinates them enough to make it their career. Don't allow your child to do what the majority of others are doing to deter them from following a passion of yours. For example, a student who is required to study engineering could not do well or even finish the course if they are least interested in the subject  However, if the student in question were interested in law, he would make a brilliant attorney and have a successful profession as well as a happier life. Therefore, a wise piece of advice for parents is to let their kids discover their passion by researching the course's requirements before making a choice. After completing their education, you should consider your child’s career possibilities and see if they can find employment to help you pay off the debt. Research about banks  Make sure to do your thorough research before choosing a bank. Avoid making rash or emotional decisions when applying for a loan. By conducting an extensive study, you can comprehend the varied interest rates, processing costs, terms, and conditions, etc. The amount you must repay varies depending on each bank's interest rate. You will need to spend and repay a certain amount of money for every point in the interest rate. Verify if your loan's interest rate is fixed or fluctuating. Making a choice between these rates is crucial since it significantly impacts how you intend to repay your loan and how much your EMI will be.  Borrow only what you need  If you want to take out an education loan for your child, resist the urge to request the utmost amount permitted. If your child has any financial awards, such as scholarships, you should constantly assess how much you have or how much you can afford to support your child’s education. Decide how much you want to borrow from the bank as an education loan after doing the math for the amount you have. As a parent, you must help your kids understand that every amount they take will have a specific interest rate levied on it. Hence, it is essential to borrow only the amount they can repay. https://www.youtube.com/watch?v=4gTQkdePOWM Educate your child about the loan  Whether you want your kid to continue their education in India or overseas, you should be aware of the specifics of their current coursework and any loans you have taken out. A VISA will allow your child to enter a foreign nation but does not give them access to everything. They could be questioned about their intentions and entry procedures at the airport. Your child should be ready to answer any queries about their course, organization, teachers, tuition costs, loan amounts, repayment terms, interest rates, etc. Your kid should also be aware of their personal information and information about their families, such as names, birthdates, residences, levels of education, and jobs.  Plan for repayment   Even though interest starts to accumulate from the first month, students may occasionally be given a moratorium or one-year grace period before they must begin making loan payments. One advantage of this time frame is that, even if your child can pay the EMI after this grace period, you can start repaying the EMIs early and assist your child in paying off the loan more quickly by doing so.  Early investment and saving can help reduce the financial burden that a high-quality education places on families, but some parents may not have the opportunity to do so since they are already dealing with admissions. An education loan could be the best option in such situations.  However, choosing the correct course, university, and financial institution may assist enhance the possibilities of simple loan payback, making the student debt-free sooner rather than later. This is in addition to creating a decent repayment plan. Consult an expert advisor to get the right plan for you  TALK TO AN EXPERT
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