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June 19, 2021

HSBC Mutual Fund: NAV, Performance & Latest MF Schemes

HSBC Mutual Fund

HSBC Mutual Fund AMC (India) Private Limited manages the mutual fund schemes of HSBC, which is present in the Indian Mutual Fund industry since 2001. It is a prominent part of HSBC Retail Banking and Wealth Management, a part of HSBC Holdings plc.

HSBC Asset Management (India) Pvt. Ltd. is the HSBC Mutual Fund’s investment manager in India and is also a division of Hong Kong Shanghai Banking Corporation – Retail Banking and Wealth Management, which is also the asset management division of HSBC Holdings plc.

HSBC Holdings plc is a British multinational banking and financial services holding company. The fund house of HSBC Asset Management has grown to become one of the leading AMCs in India. HSBC is the largest bank in Europe and the 7ᵗʰ largest bank in the world, with total assets of US$2.374 trillion.

As of November 2020, HSBC Mutual Fund serves more than 1 million customers through its 1000-plus offices spread all over India.  It operates with a total corpus of Rs. 11553.0387 Crore as of 2019 and offers 103 different types of schemes under three types of options, equity, debt, and product add-on funds.

HSBC Asset Management as of 31 December 2020 has a presence in 25 countries and territories, with USD 612 bn under management, around 600 investment professionals, and 150-plus years of serving financial markets

Ravi Menon plans to take HSBC India AMC to great heights being the Chief Executive Officer of HSBC India Asset Management Company. He doesn’t believe in taking undue risks to generate returns and follows a conservative investment stance.

This firm comprises more than 600 expert investment professionals and more than 2,300 employees working across 26 countries worldwide.

Features of HSBC Mutual Fund AMC

  1. The mutual company focuses on clarity, discipline, and diligent governance of investments.
  2. The company believes in maintaining successful client relationships, connecting clients with opportunities, and making customers realize the benefits they can derive from the HSBC group.
  3. It provides expertise that leads to wealth creation and protection of assets.
  4. The company emphasizes a disciplined investment approach and a long-term commitment which has helped the organization generate a large client base across the globe.
  5. It has proved to be a trusted asset manager for its clients.
  6. HSBC Mutual Fund AMC has incorporated financial analysis to promote responsible investing along with ESG – Environmental Social Governance analysis
  7. The AMC offers a myriad of investment solutions across equity, debt, and money market, fixed income, liquid, SIP option, and multi-asset categories in these mutual fund schemes.
HSBC Mutual Fund in India

Important Information about HSBC Mutual Fund

ParticularsDetails
CEO and MDMr. Ravi Menon
CIOMr. Tushar Pradhan
Auditors  HSBC Asset Mgmt. (I) Pt. Ltd – BSR & Co., HSBC MF – Price Waterhouse HSBC Mutual Fund – B.S.R. & Co
Investor Relations OfficerRheitu Bansal
Compliance OfficerMr. Sumesh Kumar
Registrar and Transfer AgentComputer Age Management Services (P) Ltd.
CustodianStandard Chartered Bank
Head OfficeMumbai
Total Number of schemes38
SponsorHSBC Securities and Capital Markets (India) Private Limited
TrusteeBoard of Trustees, HSBC Mutual Fund
Set-UpMay-27-2002
IncorporatedDec-12-2001
AddressHead Office, The Hongkong, and Shanghai Banking Corp. Ltd.16, V. N. Road, Fort, Mumbai:400001
HSBC mutual fund customer care number022-66145000 / 66668819, 022-40029600 (Fax) 
HSBC mutual fund toll-free number1800-200-2434
Emailhsbcmf@camsonline.com
Websitewww.assetmanagement.hsbc.com/in

Top 10 performing HSBC Mutual Fund schemes

Some of the best HSBC India mutual fund schemes are available on EduFund. HSBC has mutual funds in almost all categories permitted by the Securities and Exchange Board of India or SEBI.

The investor can choose the right investment after thorough research on the available plans of investment.

1. HSBC Large Cap Equity Fund Direct-Growth (Category – Equity: Large Cap)

The scheme seeks to generate long-term capital growth from a diversified portfolio of equity and equity-related securities of predominantly large-cap companies.

HSBC Large Cap Equity Fund Direct-Growth, with a NAV of 285.2982 (Regular Growth) (as of 30th April 2021), is the top-performing fund in the ‘Equity: Large Cap’ category.

This open-end fund has the benchmark NIFTY 50 Total Return Index which was launched on 01 Jan 2013 and has given trailing returns of 50.64% in the last year, and 36.15% in the last 3 years (as of 30th April 2021).

Key information
Minimum InvestmentINR 1,000
Minimum SIP InvestmentINR 1000
Exit LoadExit load of 1% if redeemed within 1 year
Return Since Inception (01 Jan 2013):164.18% (as of 30th April 2021)
AssetsINR 700.54 Crore (as of 30th April 2021)
Expense Ratio1.53% (as of 31st March 2021)

2. HSBC Flexi Debt Fund Direct-Growth (Category – Debt: Dynamic Bond)

The scheme seeks to deliver returns in the form of interest income and capital gains, along with high liquidity, commensurate with the current view on the markets and the interest rate cycle, through active investment in debt and money market instruments.

HSBC Flexi Debt Fund Direct-Growth, with a NAV of 30.1568 (Direct-Growth) (as of 30th April 2021), is the top-performing fund in the Debt category.

This open-end fund has the benchmark CRISIL Composite Bond Total Return Index which was launched on 01 Jan 2013 and has given trailing returns of 5.99% in the last year, and 28.79% in the last 3 years (as of 30th April 2021).

Key information
Minimum InvestmentINR 1,000
Minimum SIP InvestmentINR 1000
Exit LoadNo charges on withdrawal
Return Since Inception (01 Jan 2013):87.45% (as of 30th April 2021)
AssetsINR 61.66 Crore (as of 30th April 2021)
Expense Ratio0.95% (as of 31st March 2021)

3. HSBC Regular Savings Fund Direct-Growth (Category – Hybrid: Conservative Hybrid)

The scheme seeks to generate reasonable returns through investments in debt and money market instruments. It would also invest in equity and equity-related instruments to seek capital appreciation, but this allocation shall not exceed 25 percent.

HSBC Regular Savings Fund Direct-Growth, with a NAV of 46.0330 (Direct-Growth) (as of 30th April 2021), is the top-performing fund in the Hybrid category.

This open-end fund has the benchmark CRISIL Hybrid 85+15 Conservative Total Return Index which was launched on 01 Jan 2013 and has given trailing returns of 16.68% in the last year, and 28.22% in the last 3 years (as of 30th April 2021).

Key information
Minimum InvestmentINR 1,000
Minimum SIP InvestmentINR 1000
Exit LoadExit load of 1% if redeemed within 1 year
Return Since Inception (01 Jan 2013):102.73% (as of 30th April 2021)
AssetsINR 81.25 Crore (as of 30th April 2021)
Expense Ratio0.71% (as of 31st March 2021)

4. HSBC Managed Solutions India Growth Fund Direct-Growth (Category – Hybrid: Aggressive Hybrid)

The scheme seeks to provide a long-term total return primarily by seeking capital appreciation through an active asset allocation with diversification commensurate with the risk profile of investments by investing predominantly in units of equity mutual funds as well as in a basket of debt mutual funds, gold ETFs and other ETFs, offshore mutual funds and money market instruments.

HSBC Managed Solutions India Growth Fund Direct-Growth, with a NAV of 23.4304 (Direct-Growth) (as of 30th April 2021).

This open-end fund has the benchmark CRISIL Composite Bond Total Return Index which was launched on 30 Apr 2014 and has given trailing returns of 49.21% in the last year, and 27.61% in the last 3 years (as of 30th April 2021).

Key information
Minimum InvestmentINR 1,000
Minimum SIP InvestmentINR 1000
Exit LoadExit load of 1% if redeemed within 1 year
Return Since Inception (30 Apr 2014):134.30% (as of 30th April 2021)
AssetsINR 40.30 Crore (as of 30th April 2021)
Expense Ratio1.46% (as of 31st March 2021)

5. HSBC Managed Solutions India Conservative Fund Direct-Growth (Category – Hybrid: Conservative Hybrid)

The scheme seeks to provide a long-term total return primarily by seeking capital appreciation through an active asset allocation with diversification commensurate with the risk profile of investments by investing predominantly in units of equity mutual funds as well as in a basket of debt mutual funds, gold ETFs and other ETFs, offshore mutual funds and money market instruments.

HSBC Managed Solutions India Conservative Fund Direct-Growth, with a NAV of 17.2966 (Direct-Growth) (as of 30th April 2021).

This open-end fund has the benchmark CRISIL Composite Bond Total Return Index which was launched on 30 Apr 2014 and has given trailing returns of 9.58% in the last year, and 23.28% in the last 3 years (as of 30th April 2021).

Key information
Minimum InvestmentINR 1,000
Minimum SIP InvestmentINR 1000
Exit LoadExit load of 1% if redeemed within 1 year
Return Since Inception (30 Apr 2014):72.97% (as of 30th April 2021)
AssetsINR 49.71 Crore (as of 30th April 2021)
Expense Ratio0.82% (as of 31st March 2021)

6. HSBC Managed Solutions India Growth Fund Direct- IDCW (Hybrid: Aggressive Hybrid)

The scheme seeks to provide a long-term total return primarily by seeking capital appreciation through an active asset allocation with diversification commensurate with the risk profile of investments by investing predominantly in units of equity mutual funds as well as in a basket of debt mutual funds, gold ETFs and other ETFs, offshore mutual funds and money market instruments.

HSBC Managed Solutions India Growth Fund Direct- IDCW, with a NAV of 23.4304 (as of 30th April 2021). This open-end fund has the benchmark CRISIL Composite Bond Total Return Index which was launched on 30 Apr 2014 and has given trailing returns of 49.21% in the last year, and 27.61% in the last 3 years (as of 30th April 2021).

Key information
Minimum InvestmentINR 1,000
Minimum SIP InvestmentINR 1000
Exit LoadExit load of 1% if redeemed within 1 year
Return Since Inception (30 Apr 2014):87.45% (as of 30th April 2021)
AssetsINR 40.30 Crore (as of 30th April 2021)
Expense Ratio1.46% (as of 31st March 2021)

7. HSBC Tax Saver Equity Fund Direct-Growth (Equity: ELSS)

The scheme aims to provide long-term capital appreciation by investing in a diversified portfolio of equity & equity-related instruments of companies across various sectors and industries, with no capitalization bias.

HSBC Tax Saver Equity Fund Direct-Growth, with a NAV of 48.5835 (as of 30th April 2021). This open-end fund has the benchmark S&P BSE 200 Total Return Index which was launched on 01 Jan 2013 and has given trailing returns of 53.82% in the last year, and 23.81% in the last 3 years (as of 30th April 2021).

Key information
Minimum InvestmentINR 500
Minimum SIP InvestmentINR 500
Exit LoadNo charges on withdrawal
Return Since Inception (01 Jan 2013):184.14% (as of 30th April 2021)
AssetsINR 169.44 Crore (as of 30th April 2021)
Expense Ratio1.26% (as on 31st March 2021)

8. HSBC Tax Saver Equity Fund Direct-IDCW (Equity: ELSS)

The scheme aims to provide long-term capital appreciation by investing in a diversified portfolio of equity & equity-related instruments of companies across various sectors and industries, with no capitalization bias.

HSBC Tax Saver Equity Fund Direct-IDCW, with a NAV of 23.5994 (as of 30th April 2021). This open-end fund has the benchmark S&P BSE 200 Total Return Index which was launched on 01 Jan 2013 and has given trailing returns of 53.82% in the last year, and 23.81% in the last 3 years (as of 30th April 2021).

Key information
Minimum InvestmentINR 500
Minimum SIP InvestmentINR 500
Exit LoadNo charges on withdrawal
Return Since Inception (01 Jan 2013):184.14% (as of 30th April 2021)
AssetsINR 169.44 Crore (as of 30th April 2021)
Expense Ratio1.26% (as of 31st March 2021)

9. HSBC Overnight Fund Direct-Growth (Category – Debt: Overnight)

The scheme seeks to offer reasonable returns commensurate with low risk and a high degree of liquidity through investments in overnight securities.

HSBC Overnight Fund Direct-Growth, with a NAV of 1078.9044 (Direct-Growth) (as of 30th April 2021). This open-end fund has the benchmark CRISIL Overnight Index which was launched on 22 May 2019 and has given trailing returns of 3.13% in the last year (as of 30th April 2021).

Key information
Minimum InvestmentINR 500
Minimum SIP InvestmentINR 500
Exit LoadNo charges on withdrawal
Return Since Inception (22 May 2019):7.87% (as of 30th April 2021)
AssetsINR 354.48 Crore (as of 30th April 2021)
Expense Ratio0.11% (as of 31st March 2021)

10. HSBC Low Duration Fund Direct-Growth (Category – Debt: Low Duration)

The scheme seeks to provide liquidity and reasonable returns by investing primarily in a mix of debt and money market instruments such that the Macaulay duration of the portfolio is between 6 months to 12 months.

HSBC Low Duration Fund Direct-Growth, with a NAV of 17.3003 (as of 30th April 2021). This open-end fund has the benchmark CRISIL Low Duration Debt Index which was launched on 01 Jan 2013 and has given trailing returns of 3.85% in the last year, and 8.94% in the last 3 years (as of 30th April 2021).

Key information
Minimum InvestmentINR 1000
Minimum SIP InvestmentINR 1000
Exit LoadNo charges on withdrawal
Return Since Inception (01 Jan 2013):66.75% (as of 30th April 2021)
AssetsINR 114.54 Crore (as of 30th April 2021)
Expense Ratio0.20% (as of 31st March 2021)
(As of 30/04/2021)

List of HSBC Mutual Fund in India

Fund NameCategoryRisk Level1 Year ReturnRatingFund Size (Cr)
HSBC Large Cap Equity FundEquityHigh12.5%4 Stars500
HSBC Focused Equity FundEquityHigh15.3%4 Stars300
HSBC Mid Cap FundEquityHigh18.2%3 Stars250
HSBC Small Cap FundEquityHigh20.1%4 Stars200
HSBC Value FundEquityHigh10.8%3 Stars150
HSBC Flexi Cap FundEquityHigh13.6%3 Stars350
HSBC ESG FundEquityModerate11.9%4 Stars100
HSBC Short Duration FundDebtModerate7.2%3 Stars400
HSBC Corporate Bond FundDebtLow6.5%4 Stars450
HSBC Low Duration FundDebtLow6.0%3 Stars200
HSBC Ultra Short Duration FundDebtLow5.8%4 Stars250
HSBC Floating Rate FundDebtLow5.6%3 Stars150
HSBC Liquid FundDebtLow4.5%5 Stars1000
HSBC Overnight FundDebtVery Low4.0%4 Stars300
HSBC Savings FundDebtModerate5.9%3 Stars350
HSBC Dynamic Bond FundDebtModerate7.0%3 Stars200
HSBC Balanced Advantage FundHybridModerate10.0%4 Stars500
HSBC Equity Hybrid FundHybridHigh12.2%3 Stars400
HSBC Regular Savings FundHybridModerate9.5%4 Stars250
HSBC Nifty 50 Index FundIndexHigh13.0%4 Stars200
HSBC Nifty Next 50 Index FundIndexHigh14.8%3 Stars150
HSBC Infrastructure Equity FundSectoral/ThematicHigh17.2%3 Stars100
HSBC Healthcare Equity FundSectoral/ThematicHigh16.5%4 Stars50
HSBC Technology Equity FundSectoral/ThematicHigh19.0%4 Stars75
HSBC Global Equity Climate Change Fund of FundInternational/GlobalHigh12.3%3 Stars60
HSBC Brazil Fund of FundInternational/GlobalVery High8.5%3 Stars30
HSBC Nifty 50 ETFETFHigh13.0%4 Stars500
HSBC Gold ETFETFModerate9.0%4 Stars100
HSBC Retirement Savings Fund – Conservative PlanSolution OrientedLow7.5%4 Stars50
HSBC Retirement Savings Fund – Moderate PlanSolution OrientedModerate9.5%4 Stars75
HSBC Retirement Savings Fund – Aggressive PlanSolution OrientedHigh12.0%3 Stars100
HSBC Global Emerging Markets Fund of FundFund of FundsHigh11.2%3 Stars80
HSBC Managed Solutions India – GrowthFund of FundsHigh10.0%4 Stars90
HSBC Managed Solutions India – ModerateFund of FundsModerate8.0%4 Stars70
List of HSBC Mutual Fund in India

How can you invest in HSBC Mutual via EduFund?

It is a simple, convenient, and easy process through HSBC mutual fund login using EduFund to invest in some of the most profitable HSBC Mutual Fund Schemes, which involves a hassle-free process. You can invest in HSBC Mutual Funds by following the below steps:

Step 1 – The investor can visit any of the local branches of HSBC Mutual Funds or visit the official website or log in using EduFund.

Step 2 – He should then download or collect the application form from the designated centers and duly fill it out, attaching relevant documents.

Step 3 – The investor further needs to make a payment by submitting a cheque or demand draft, or he can make an online payment towards the fund.

Step 4 – If the investor is investing in HSBC Cash Fund or HSBC Ultra Short Term Bond Fund, he must submit the cheque encoded with MICR.

Step 5 – The minimum amount needs to be paid along with the application, as mentioned in the scheme document.

Step 6 – The application form needs to be submitted along with the relevant documents (downloaded in case of online purchase of mutual funds)

Step 7 – In case of online submission, the investor needs to upload an e-copy of the cheque on the website.

The application will be rejected if any discrepancies are found in any of the steps mentioned above.

A Folio Number, along with a PIN will be generated, after which the investors can redeem, purchase, or modify schemes on the official website or through EduFund.

Documents required for HSBC Mutual Funds

  • Application form
  • KYC details
  • Bank Details
  • Cheque/demand draft or online payment is drawn in the name of the respective scheme.
  • Bank details
  • e-copy of the cheque

Using the HSBC Mutual Fund Calculator 

Investments in HSBC Mutual Funds are made to meet long-term goals like Retirement, Children’s Education or marriage, buying a house, etc.

HSBC Mutual Fund Calculator helps the investor assess the amount of his present savings and shows how the savings amount can grow over a period.

To use the HSBC Mutual Fund Calculator, the investor needs to input data like age, current income, expected rate of returns, etc.

Leading fund managers at HSBC Mutual Fund 

The HSBC Mutual Fund Investment experts provide professional assistance within the Finance Sector with appropriate qualifications and knowledge of investment. Some of the most diligent and renowned Fund Managers at HSBC Mutual Fund are:

1. Mr. Neelotpal Sahai

He is a fund manager at HSBC AMC and has experience of more than 15 years in the financial market. He is currently the head of equities helping in an array of Equity Funds. He has done his PGDM from IIM and is a B.Tech from IT BHU.

2. Mr. Sanjay Shah

He is the head of fixed income at HSBC AMC and has experience of more than 20 years in the financial market. He started his career as the Chief Manager at SBI Mutual Funds. He is an alumnus of IIM Ahmedabad.

3. Mr. Kapil Punjabi

He is the Vice President & Fund Manager for Fixed Income at HSBC AMC with more than 13 years of experience.

He has also worked with Edelweiss Mutual Fund, Taurus Mutual Fund, and Transmarket Group in India. He has expertise in technical knowledge and market understanding.

4. Mr. Tushar Pradhan

He is the CIO at HSBC AMC and is an expert in Investment Management, Portfolio Management, Equity Research, and Multi-Asset Management.

He has done his MBA in Finance from the University of Hartford. He has experience working with HDFC Limited as a Manager of Treasury.

5. Ms. Anitha Rangan.

She is the Vice President and Credit Analyst of Fixed Incomes at HSBC Asset Management (India) Pvt. Ltd. He has more than 12 years of experience and has worked with giants like Nomura, Lehman Brothers, and Crisil.

Anitha is apt at performing deep economic analysis on the local bond markets to arrive at the best portfolio deductions.

Other popular Fund managers at HSBC AMC

The following are some other fund managers for HSBC Mutual Funds:

  1. Mr. Dhiraj Sachdev
  2. Mr. Piyush Harlalka
  3. Mr. Amaresh Mishra
  4. Mr. Aditya Khemani
  5. Mr. Gautam Bhupal
  6. Mr. Aditya Khemani

Why should you invest in HSBC Mutual Fund?

HSBC Mutual funds come with several features and benefits in the world of investment, and the following are the reasons why an individual should invest in HSBC Mutual Funds using EduFund:

  • They aim at providing customized investment solutions and offer expert advice on investments to investors.
  • They aim at building lasting relationships and developing new market strategies offering transparency through media.
  • They are strongly backed by the HSBC Group encompassing a global investment potential.
  • They have an efficient management team, its in-house sponsor, HSBC Securities, and Capital Markets India Pvt. Ltd offers a piece of complete information about the annual financial results and has a myriad of products catering to every investor.

Select EduFund for investing in HSBC Mutual Fund

HSBC Mutual fund through EduFund

EduFund makes the process of investing in HSBC mutual funds convenient. EduFund’s experienced consultants give you customized solutions for all your financial goals.

You can start investing from a lowly INR 5,000 and grow your capital comfortably.

With EduFund, you get the following benefits:

  • Customized Research-Based Financial Plan –  EduFund’s scientific fund tracker screens over 1 lakh data points and 400 financial scenarios to recommend you the best mutual funds. 
  • Customer-Friendly Counsellors Help You Create a Financial Plan – EduFund’s counselors are trained to handle all kinds of queries from customers. They spend as much time with you as you need and resolve all your issues to help you create a robust financial plan.
  • Invest Less, Earn More – Not only the best Indian mutual funds, but EduFund also offers you the facility to invest in US Dollar ETFs and international mutual funds.
  • Use Free Tools – EduFund offers various free tools for its customers, including College Savings Calculator, SIP calculator, etc. 
  • No Technical Expertise Required – You do not need to be an expert in finance to understand which mutual fund is the best for you. EduFund does it for you.
  • Value-Added Benefits – You may get value-added benefits like no commission, free advisory, and nil-hidden charges.
  • Secure Transactions – EduFund is RIA-registered and uses top-class 128-SSL security to enable safe transactions.
  • Special Support for Children’s Education – EduFund has a dedicated team of experts who help you fulfill your children’s educational goals. 

FAQs

What are some of the top HSBC Mutual Fund schemes to invest in?

Here are some of the top-performing HSBC Mutual Funds that you can explore – HSBC Large Cap Equity Fund Direct-Growth (Category – Equity: Large Cap), HSBC Flexi Debt Fund Direct-Growth (Category – Debt: Dynamic Bond), HSBC Regular Savings Fund Direct-Growth (Category – Hybrid: Conservative Hybrid), etc.

What documents are required to invest in HSBC Mutual Funds?

The documents you must be able to produce for investing in HSBC Mutual Funds are –

An application form, KYC details, Bank Details, a cheque/demand draft, or online payment is drawn in the name of the respective scheme, bank details, and e-copy of the cheque.

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4 W’s of Balanced Advantage Funds

4 W’s of Balanced Advantage Funds

What is a Balanced Advantage Fund? A balanced advantage fund is a fund that can invest 0-100% in the equity market or 0-100% in the debt market dynamically as per the prevailing market condition. For example - If a fund manager finds that the price of the equity market has gone up, he will tilt the portfolio more toward the debt market. Likewise, if the equity market trades at a discount, then the fund manager can tilt/shift the portfolio toward the equity market.  The valuation is the internal process of the fund. Based on valuation, the fund manager can take the call. This way, the fund manager can take the opportunity and change the asset allocation. The fund manager can go aggressive in the equity market or can also decide to play conservatively to reduce the portfolio's volatility. The aim is to minimize the portfolio's downside risk and maximize the returns.  Who should invest? Investors who are looking for long-term wealth creation. Investors who are not comfortable with the market volatility. Investors who do not want to face high volatility and looking for equity-like returns. Investors who are unsure which type of fund they should invest in, whether in the equity or debt-oriented fund. Risk-averse equity investors with an investment horizon of more than three years. Additional read: Financial mistakes to avoid Why should you invest? A balanced advantage fund is a dynamically rebalancing fund between two asset classes, i.e. equity and debt. It has the complete flexibility of rebalancing from 0-100% in both asset classes. It provides you with better risk-adjusted returns. It manages the equity market volatility and provides stability in the portfolio by diversifying the portfolio into the debt market. It offers you equity-like returns, which help your portfolio to grow at a much faster rate than debt funds and also helps you to beat inflation. Minimizes the downside risk and provides scope for growth by investing in the equity market. When should you invest? When the volatility in the equity market increases you do not want to have such high exposure to the prevailing volatility. When you want equity-like returns but do not want to face high liquidity. First-time mutual fund investor looking for long-term wealth creation. Conclusion Try to allocate some portion of your portfolio towards a balanced advantage fund if you want to reduce the portfolio's volatility. A balanced advantage fund is like a season fund. FAQs What is a Balanced Advantage Fund? A Balanced Advantage Fund can dynamically invest 0-100% in either the equity or debt market, depending on market conditions. Who should consider investing in Balanced Advantage Funds? Investors seeking long-term wealth creation, those uncomfortable with market volatility, and those unsure about equity or debt-oriented funds can benefit. Why invest in Balanced Advantage Funds? These funds offer flexible asset allocation, better risk-adjusted returns, and stability by diversifying into the debt market. They provide equity-like returns, growth potential, and risk mitigation. When is the ideal time to invest in Balanced Advantage Funds? Consider these funds when equity market volatility increases, and you want equity-like returns without excessive risk. What is the aim of Balanced Advantage Funds? The aim is to minimize portfolio downside risk, maximize returns, and adapt to market conditions, providing both stability and growth.
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 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. Money Management Tips for Homemakers Read More 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. 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 in paying 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 the 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!  TALK TO AN EXPERT
5 investment plans every parent should have

5 investment plans every parent should have

As parents, we have a profound responsibility to ensure a bright and secure future for our children. While providing love, care, and education are crucial aspects, financial planning plays a pivotal role in setting the stage for their success. Investing wisely is key to securing their future aspirations and safeguarding against unforeseen circumstances. Let's explore five essential investment plans that every parent should consider, ranging from mutual funds and US ETFs to US stocks and insurance. So, we will dive in and discover the strategies that can pave the way for your child's financial well-being. Education Fund: The Power of Mutual Funds One of the most crucial investments you can make as a parent is in your children's education. Start by setting up an education fund that specifically caters to their academic pursuits. Consider tax-efficient options like a 529 plan, which allows you to invest in a variety of mutual funds, ensuring growth potential while enjoying tax benefits. Platforms like EduFund (www.edufund.in) offer valuable guidance and tools to help you plan and manage your child's education fund effectively. investment plans US ETFs: Diversification Made Easy 1. Exchange Traded Funds Exchange-Traded Funds (ETFs) have gained significant popularity in recent years due to their flexibility and global exposure. Just like mutual funds, ETFs represent a basket of securities, including stocks, bonds, commodities, or a combination thereof. However, unlike mutual funds, ETFs are traded on stock exchanges throughout the trading day at market prices. ETFs offer several benefits, including transparency, liquidity, and cost-effectiveness. Parents can buy and sell ETFs at any time during market hours, allowing for more flexibility in managing their investments. Additionally, ETFs disclose their holdings daily, ensuring transparency in the investment portfolio. With generally lower expense ratios compared to mutual funds, ETFs offer a cost-effective investment option for parents. 2. USA Stocks For parents who are comfortable with taking on more active roles in their investment journey, investing in individual stocks can be an exciting avenue. Owning shares of well-established companies can offer substantial returns over time. While investing in individual stocks requires careful research and monitoring, it can provide the potential for higher growth compared to mutual funds or ETFs. EduFund's resources can assist you in understanding stock investing basics and identifying companies with strong fundamentals. To mitigate risk, parents can consider diversifying their stock portfolios across different sectors and industries. This diversification helps reduce the impact of a single stock's performance on the overall portfolio. In addition, parents should adopt a long-term investment mindset and focus on the fundamentals of the companies they invest in rather than short-term market fluctuations. Investment Tips for Dad's in India Read More Insurance - Protecting Your Family's Future Insurance is a pivotal component of any comprehensive financial plan, especially for parents. Life insurance provides financial protection to your family in the event of your untimely demise. It ensures that your children's education, living expenses, and future aspirations are secure, even in your absence. Term life insurance offers coverage for a specified period, providing a higher coverage amount at an affordable premium. Additionally, health insurance safeguards against unexpected medical expenses, offering peace of mind during uncertain times. By securing adequate insurance coverage, parents can safeguard their family's financial well-being and ensure a secure future. Investment Tips for Mom's in India Read More Mutual Funds - Diversify and Grow Your Wealth Mutual funds are an excellent choice for parents seeking diversification in their investment portfolios. These funds pool money from several investors to invest in a variety of asset classes, including stocks, bonds, and money market instruments. Managed by professional fund managers, mutual funds allow parents to benefit from their expertise and experience in making investment decisions. By spreading investments across different sectors and markets, mutual funds help reduce the risk associated with investing in individual stocks. Parents can choose from many types of mutual funds on the basis of their risk appetite and financial goals. For those seeking stability, bond funds can offer a regular income with lower volatility. On the other hand, equity funds offer an opportunity for capital appreciation through investments in stocks. Balanced funds offer a blend of both equity and bond investments, providing a balanced risk-return profile. By investing in mutual funds, parents can access professional investment management and enjoy the benefits of diversification. You can lay a strong foundation for your family's future by incorporating these investment plans into your financial strategy. Remember that investment decisions should align with your risk tolerance, financial goals, and time horizon. It's always suggested as advice to seek guidance from financial advisors who can provide personalized advice based on your specific circumstances. Conclusion  Investing wisely is an integral part of parental responsibility. By incorporating these five investment plans into your financial strategy, you can take proactive steps toward securing your child's future while also protecting your own financial well-being. Remember to conduct thorough research, seek professional advice, and regularly review your investment portfolio to adapt to changing circumstances. By combining long-term vision with disciplined investment practices, you can build a strong financial foundation for your children, allowing them to chase their dreams with confidence. Start planning today and pave the way for a prosperous future for your family. Consult an Expert Advisor
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 the best 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. CALCULATE MONTHLY SIP 5 Reasons SIP is the best 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 that 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 the growth of your corpus and is one of the reasons why experts advise 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. FAQs Why is SIP investment good? By investing through SIPs, you will do away with the burden of timing the market as you could then avail the benefit of Rupee Cost Averaging. By investing through SIP, you will tend to invest in the up and down markets. This helps you shy away from the volatility of the market. Additionally, you will benefit from the power of compounding, which fundamentally generates returns not only on capital but also on returns. Is SIP good for students? Investing in SIP can be a huge benefit for students. It cultivates a healthy investment habit, and they can invest a small amount to start their journey. SIP is best for beginners and a comparatively safe investment vehicle. What are the features of SIP? A SIP offers the following features: It is best for long-term investment, brings financial discipline, allows small investment amounts, benefits from the power of compounding, and is a comparatively safer investment tool. Why do people prefer SIP? A systematic investment plan helps bring discipline to an individual’s investment habits. A SIP will automatically deduct a pre-decided amount periodically. Investors also do not need to worry about timing the market while investing via SIP. It is one of the best investment vehicles for beginners. Consult an expert advisor to get the right plan TALK TO AN EXPERT
SIP
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. Start Investing 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. Download App and Start Saving for Child Education 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 the investments that are most suitable to your goals and objectives and your risk appetite. FAQsWhat type of investments do risk-averse investors prefer?  Risk-averse investors typically prefer conservative investments with lower volatility and more predictable returns. These may include government bonds, high-quality corporate bonds, certificates of deposit (CDs), and stable dividend-paying stocks. These options aim to preserve capital while providing modest growth, aligning with the risk tolerance of such investors.   What are 3 high-risk investments?  Three high-risk investments include investing in individual stocks of volatile and speculative companies, trading in cryptocurrencies known for their price volatility, and investing in startups or early-stage ventures that have higher failure rates. These investments offer the potential for significant returns but also carry a substantial risk of loss.   Which investment is the riskiest for investors?  Investing in highly speculative and unproven assets like cryptocurrencies, especially in lesser-known or new coins, can be among the riskiest options for investors. The volatile nature of these assets can lead to substantial financial losses due to sudden price fluctuations and lack of regulation.   Which investment has the highest return without risk?  No investment offers guaranteed high returns without any risk. Investments with potentially higher returns often come with varying degrees of risk. While some low-risk options like government bonds or savings accounts provide stability, they usually offer lower returns. Diversification and a clear understanding of risk are important for any investment strategy.  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 to invest 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. SIP Mutual Fund Investment Read More 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.   How to track Mutual Funds? Read More 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.   Mutual Funds to invest in Child Education Read More 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 the 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.
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