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June 19, 2021

Invest in Your Financial Future with UTI Mutual Funds Schemes

UTI Mutual Fund

UTI Asset Management Company (AMC) is one of the oldest and the seventh-largest AMC in India. As of September 2019, UTI mutual fund had 10.9 million active folios in 2020 or 12.2% of the total mutual fund folios maintained with Indian mutual fund houses.

UTI AMC’s vast network, strong brand, and impeccable customer service make it a future-ready mutual fund house.

UTI AMC is a professional company with a Board of Directors and a fully functional management team leading its day-to-day activities.

The four sponsors of this mutual fund are the State Bank of India, Life Insurance Corporation of India, Punjab National Bank, Bank of Baroda, and T. Rowe Price International Ltd. 

UTI mutual fund has an extensive distribution network in over 800 Indian cities, including 163 UTI Financial Centres, 283 Business Development Associates and Chief Agents, 46 Official Points of Acceptance, and 33 Other Official Points of Acceptance.

UTI mutual fund’s IFAs channel has 52,000 Mutual Fund Distributors, covering India’s length and breadth to include the maximum number of investors to its fore.

The Unit Trust of India (UTI) has a long history dating back to 1964 when a bill in the Indian parliament established the financial institution.

The primary task of UTI was to collect small amounts from retail investors and invest in the capital markets. Its flagship scheme US-64 was instrumental in introducing the middle class to the capital markets. 

UTI mutual fund has several firsts in its history. The UTI Unit Linked Insurance Plan (ULIP), launched in 1971, including life and accident cover.

The UTI India fund, launched in 1986, was India’s first offshore fund. The UTI Wealth Builder Fund combines different asset classes, such as gold and equity, to generate healthy returns.

As of 31st March 2020, the total Asset Under Management (AUM) of UTI AMC was INR 9,798 billion, of which UTI mutual fund contributed INR 1,515 billion.

UTI mutual fund runs 172 schemes across all segments like equity, debt, hybrid, ETFs, Index, Income, and money market instruments.  The gross SIP inflow witnessed a jump of 4.6% (Y-o-Y basis) INR 29.6 billion in the financial year 2020.  

UTI Mutual Fund in India

Important information about UTI Mutual Fund

Mutual Fund NameUTI Mutual Fund
Established1st February 2003
Date of Incorporation14th November 2002
SponsorsState Bank of India Punjab National Bank Bank of Baroda Life Insurance Corporation T Rowe Price International Ltd.
TrusteeUTI Trustee Company Private Limited
TrusteesA Ramesh Kumar Suhail Nathani Shiva Kumar S K Kapahi Mukeeta Jhaveri
Board of DirectorsDinesh Kumar Mehrotra, Non-Executive Chairman and Independent Director  Imtaiyazur Rahman, Chief Executive Officer and Whole-time Director Deepak Kumar Chatterjee, Independent Director Dipali H Sheth, Independent Director Edward Cage Bernard, Non-Executive Director Flemming Madsen, Non-Executive Director Jayashree Vaidhyanathan, Independent Director  Narasimhan Seshadri, Independent Director  Rajeev Kakar, Independent Director
Chief Financial OfficerSurojit Saha
Compliance OfficerVivek Maheshwari
Investor Service OfficerNanda Malai
CustodianStock Holding Corporation of India Limited 

Mittal Court, ‘B’ Wing,
2nd floor, 224,
Nariman Point,
Mumbai – 400021.

SEBI Registration No. : IN/CUS/011
RegistrarKFin Technologies Private Limited
Karvy Selenium Tower B| Plot Nos. 31 & 32 | 
Financial District, Nanakramguda, 
Serilingampally Mandal,
Hyderabad – 500032 
Board No: 040- 6716 2222,
Fax: 040-66161888 
Email: uti@kfintech.com
Phone Number1800 266 1230 – 24 X 7 Toll-Free Self Service IVR
(+91) 022 6227 8000 – Non-Toll-free
Email Address service@uti.co.in
UTI AMC Registered AddressUTI Asset Management Company Ltd Address: UTI Tower, ‘GN’ Block, Bandra-Kurla Complex, Bandra (East), Mumbai – 400051

Top 10 performing UTI mutual fund schemes 

UTI mutual fund’s portfolio comprises high-quality stocks and debt instruments that promise to deliver inflation-beating returns to its investors.

The following are the top 10 UTI mutual fund schemes that have delivered strong returns and are the ones with the most AuM (Asset Under Management).

1. UTI Healthcare Fund (Category – Equity: Sectoral – Pharma)

The open-ended UTI Healthcare Fund invests in high-quality pharmaceutical and healthcare companies that have tremendous growth potential.

It has a NAV of 148.0992 (Regular Growth) (as of 16th April 2021), and is one of the top-performing funds in the ‘Equity: Sectoral – Pharma’ category.

The fund was launched on 28th June 1999 and has given trailing returns of 50.51% in one year (as of 16th April 2021). The fund considers the S&P BSE Healthcare TRI as its benchmark.  

Key information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum Withdrawal
Exit Load1% for withdrawals before 30 days
Return Since Inception (28th June 1999):14.59% (as of 16th April 2021)
AssetsINR 618 Crore (as of 31st March 2021)
Expense Ratio2.33% (as of 31st March 2021)

2. UTI Transportation and Logistics Fund (Category – Equity: Thematic)

This open-ended fund invests in promising large, mid-sized, and small-cap companies in the transportation and logistics sector. 

It has a NAV of 114.6062 (Regular Growth) (as of 16th April 2021), and is one of the top-performing funds in the ‘Equity: Thematic’ category. The fund was launched on 7th April 2004 and has given trailing returns of 81.27% in one year (as of 16th April 2021). The fund considers the UTI Transportation and Logistics Index as its benchmark.  

Key information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum Withdrawal
Exit Load1% for withdrawals before 30 days
Return Since Inception (7th April 2004):15.42% (as of 16th April 2021)
AssetsINR 1,417 Crore (as of 31st March 2021)
Expense Ratio2.22% (as of 31st March 2021)

3. UTI Mid Cap Fund (Category – Equity: Mid Cap)

This open-ended fund invests in promising mid-sized companies with a viable business model and robust growth potential. It has a NAV of 146.4796 (Regular Growth) (as of 16th April 2021), and is one of the top-performing funds in the ‘Equity: Mid Cap’ category.

The fund was launched on 7th April 2004 and has given trailing returns of 79.07% in one year (as on 16th April 2021). The fund considers the NIFTY Midcap 150 TRI as its benchmark.  

Key Information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum Withdrawal
Exit Load1% for withdrawals before 364 days
Return Since Inception (7th April 2004):17.70% (as of 16th April 2021)
AssetsINR 5,190 Crore (as of 31st March 2021)
Expense Ratio2.21% (as of 31st March 2021)

4. UTI Core Equity Fund (Equity – Large and Mid Cap)

This open-ended fund invests in high-growth large, mid-sized, and small-cap companies with a viable business model. It has a NAV of 78.7769 (Regular Growth) (as of 16th April 2021), and is one of the best-performing funds in the ‘Equity: Large and Mid Cap’ category.

The fund was launched on 16th February 1993 and has given trailing returns of 69.52% in one year (as of 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 Withdrawal
Exit Load1% for withdrawals before 364 days
Return Since Inception (28th June 1999):12.71% (as of 16th April 2021)
AssetsINR 930 Crore (as of 31st March 2021)
Expense Ratio2.72% (as of 31st March 2021)

5. UTI S&P BSE Sensex Next 50 ETF (Category – Equity: Large Cap)

This open-ended fund invests in large companies that are a part of the Sensex Next 50 index. It has a NAV of 40.3173 (Regular Growth) (as of 16th April 2021), and is one of the top-performing funds in the ‘Equity: Large Cap’ category.

The fund was launched on 1st March 2019 and has given trailing returns of 60.83% in one year (as of 16th April 2021). The fund considers the S&P BSE SENSEX Next 50 TRI as its benchmark.  

Key information

Minimum InvestmentINR 5,000
Minimum Additional Investment
Minimum SIP Investment
Minimum Withdrawal
Exit LoadNil
Return Since Inception (1st March 2019):9.27% (as of 16th April 2021)
AssetsINR 7 Crore (as of 31st March 2021)
Expense Ratio0.22% (as of 31st September 2020)

6. UTI Flexi Cap Fund (Category – Equity: Flexi Cap)

This open-ended fund invests in high-growth large, mid-sized, and small-cap companies with a strong financial track record. It has a NAV of 212.0595 (Regular Growth) (as of 16th April 2021), and is one of the top-performing funds in the ‘Equity: Flexi Cap’ category.

The fund was launched on 18th May 1992 and has given trailing returns of 74.23% in one year (as of 16th April 2021). The fund considers the NIFTY 500 TRI as its benchmark.  

Key information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum Withdrawal
Exit Load1% for withdrawals before 365 days
Return Since Inception (18th May 1992):12.94% (as of 16th April 2021)
AssetsINR 16,717 Crore (as of 31st March 2021)
Expense Ratio2.04% (as of 31st March 2021)

7. UTI Value Opportunities Fund (Category – Equity: Value Oriented)

This open-ended fund takes a contrarian approach to pick companies whose inherent value is more than the stock price. It has a NAV of 82.0576 (Regular Growth) (as of 16th April 2021), and is one of the top-performing funds in the ‘Equity: Value Oriented’ category.

The fund was launched on 20th July 2005 and has given trailing returns of 62.78% in one year (as of 16th April 2021). The fund considers the NIFTY 500 TRI as its benchmark.  

Key information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum Withdrawal
Exit Load1% for withdrawals before 365 days
Return Since Inception (20th July 2005):14.30% (as of 16th April 2021)
AssetsINR 5,515 Crore (as of 31st March 2021)
Expense Ratio2.17% (as of 31st March 2021)

8. UTI Dividend Yield Fund (Category – Equity: Thematic – Dividend Yield)

This open-ended fund invests in growth-oriented companies that also pay a high dividend. It has a NAV of 84.5172 (Regular Growth) (as of 16th April 2021), and is one of the top-performing funds in the ‘Equity: Thematic – Dividend Yield category.

The fund was launched on 3rd May 2005 and has given trailing returns of 55.69% in one year (as of 16th April 2021). The fund considers the NIFTY Div Opps 50 TRI as its benchmark.  

Key information

Minimum InvestmentINR 5,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum Withdrawal
Exit Load1% for withdrawals before 364 days
Return Since Inception (3rd May 2005):14.30% (as of 16th April 2021)
AssetsINR 2,618 Crore (as of 31st March 2021)
Expense Ratio2.22% (as of 31st March 2021)

9. UTI Children’s Career Fund-Investment Plan (Category – Equity: Flexi Cap)

This open-ended fund invests in high-growth companies that have a robust financial profile. It has a NAV of 48.7499 (Regular Growth) (as of 16th April 2021), and is one of the best-performing funds in the ‘Equity: Flexi Cap’ category.

The fund was launched on 17th February 2004 and has given trailing returns of 60.86% in one year (as of 16th April 2021). The fund considers the NIFTY 500 TRI as its benchmark.  

Key information

Minimum InvestmentINR 1,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum Withdrawal
Exit LoadNil
Return Since Inception (17th February 2004):9.66% (as of 16th April 2021)
AssetsINR 452 Crore (as of 31st March 2021)
Expense Ratio2.78% (as of 31st March 2021)

10. UTI Hybrid Equity Fund (Category – Equity: Hybrid – Aggressive Hybrid)

This open-ended fund invests between 65% and 80% in the equity market and the rest in debt instruments. 

It has a NAV of 206.2288 (Regular Growth) (as of 16th April 2021), and is one of the top-performing funds in the ‘Hrbrid: Aggressive Hybrid’ category.

The fund was launched on 20th March 1995 and has given trailing returns of 51.61% in one year (as of 16th April 2021). The fund considers the CRISIL Hybrid 25+75 Aggressive Index as its benchmark.  

Key information

Minimum InvestmentINR 1,000
Minimum Additional InvestmentINR 1,000
Minimum SIP InvestmentINR 500
Minimum Withdrawal
Exit Load1% for withdrawals before 365 days
Return Since Inception (28th June 1999):14.57% (as of 16th April 2021)
AssetsINR 3,808 Crore (as of 31st March 2021)
Expense Ratio2.07% (as of 31st March 2021)

How can you invest in UTI Mutual Fund via EduFund?

Investing in UTI Mutual Fund through Edufund is a straightforward and uncomplicated seven-step process.

Step 1: Download the EduFund App from Apple App Store or Google Play Store and enter details like name, email, and telephone address to create an account.

Step 2: Choose a Scheme: Scan the list of UTI Mutual Fund schemes and choose the best scheme suiting your financial goals.

You can invest in a lump sum or in a Systematic Investment Plan (SIP). The inbuilt recommendation engine helps you pick the best fund.

Step 3 – Manage Your Transaction(s) – Your EduFund account contains every detail you need to manage the account. You can track the UTI Mutual Fund NAV, and portfolio value, view or download account statements, check account balances and do many things within the app. Also, you can buy or redeem UTI mutual fund units or switch between schemes.

Step 4 – Get in touch with a mutual fund counselor – You can connect with a mutual fund counselor to discuss your financial goals and receive personal guidance. 

EduFund uses top-class authentication and encryption technologies akin to a bank to ensure safe transactions.

Fund Managers at UTI Mutual Fund

The fund manager plays a significant role in driving growth. UTI mutual fund has employed some of the best names in the industry whose meticulous research and calls have consistently delivered high returns to investors. The following are the top-7 fund managers at UTI AMC:

1. Mr. Ajay Tyagi

Mr. Ajay Tyagi, Executive Vice President and Fund Manager, of UTI AMC, has been associated with UTI since 2000. During the first few years, he spent his time in equity research and tracked the telecom, media, and IT sectors.

His educational qualifications include a Master’s in Finance (Delhi University) and CFA Charter Holder (The CFA Institute, USA). Mr. Tyagi has extensive experience in fund management and equity research.

Besides managing several UTI mutual fund schemes, he also looks after various India-dedicated offshore funds. He manages mutual fund schemes like UTI Flexi Cap Fund, UTI Regular Savings Fund, and UTI Unit Linked Insurance Fund.  

2. Mr. V. Srivatsa

Mr. V. Srivatsa, Executive Vice President & Fund Manager – Equity, at UTI AMC, joined the company in 2002. He joined the securities research department, where he closely monitored the ups and downs of the metal, capital goods, and Information Technology sectors.

Before joining UTI AMC, he served Rhodes Parks & Co., Chartered Accountants, Madras Cements Ltd, and Ford. His educational qualifications include B.Com, C.A., C.W.A., and PGDM (IIM, Indore).

Mr. Srivatsa manages several best-performing schemes at UTI AMC, including UTI Healthcare Fund, UTI Core Equity Fund, and UTI Retirement Benefit Pension Fund. 

3. Mr. Sachin Trivedi

Mr. Sachin Trivedi, Senior Vice President and Head of Research & Fund Manager – Equity, UTI AMC, joined the company in June 2001. He has over 16 years of experience in equity research and portfolio management.

He has special expertise in analyzing the auto OEM, logistics, capital goods, and utility sectors. His educational qualifications include a B.Com (Narsee Monjee College of Commerce, Mumbai), MMS (K. J. Somaiya Institute of Management Studies & Research, Mumbai University), and CFA Charter (CFA Institute, USA). Mr. Trivedi manages three schemes.

4. Mr. Ankit Agarwal

Mr. Ankit Agarwal, Fund Manager, UTI AMC, joined the company in August 2019. He manages five schemes, of which the UTI Mid Cap Fund has been a consistent high-performer.

He has over 12 years of experience in fund management and equity research. Before joining UTI AMC, he worked with various prestigious financial institutions like Barclays Wealth, Lehman Brothers, and Centrum Broking Ltd.

At Centrum Broking Ltd., he worked as the Sr. Vice President. His educational qualifications include B.Tech (National Institute of Technology) and PGDM (IIM, Bangalore). 

5. Mr Sharwan Kumar Goyal

Mr. Sharwan Kumar Goyal, Vice President, and Fund Manager – Of equity, at UTI AMC, has been associated with the company since June 2006. He has more than 11 years of experience in Portfolio Analysis, Risk Management, and Equity Research.

His educational qualifications include MMS (Welingkar Institute of Management Development & Research, Mumbai) and CFA Charter (CFA Institute, USA).

Mr. Goyal manages eight (8) schemes, including UTI S&P BSE Sensex Next 50 ETF, UTI Bank Exchange Traded Fund, UTI Arbitrage Fund, and UTI Nifty 200 Momentum 30 Index Fund. 

6. Ms Swati Anil Kulkarni

Ms. Swati Anil Kulkarni, Executive Vice President and Fund Manager – Equity, UTI AMC, has over 26 years of experience with the company.

Her educational qualifications include a B.Com, a Master in Financial Management (Narsee Monjee Institute of Management Studies, Mumbai), and a CFA Charter (CFA Institute, USA). She is also impaneled with the Indian Institute of Bankers as a Certified Associate.

During her stint at the Research and Planning department, she involved herself with mutual fund research, product reviews, market research, and Quantitative Analysis. Ms. Kulkarni manages nine (9) UTI mutual fund schemes. 

7. Mr Vetri Subramaniam

Mr. Vetri Subramaniam, Group President and Head of Equity, at UTI AMC, joined the company in January 2017. He manages a team of 17 persons, including fund managers and research analysts.

The team manages assets worth INR 649 billion. He has more than 26 years of experience in leading teams. Before joining UTI AMC, he worked with Invesco Asset Management Ltd., Kotak Mahindra, Motilal Oswal, SSKI, and Sharekhan.com.

Mr. Subramaniam manages five (5) UTI mutual fund schemes.  

Why should you invest?

UTI mutual fund is one of the largest AMCs in India. It has a presence in more than 830 cities in India, besides 52,000 mutual fund distributors.

The fund house offers more than 172 mutual fund schemes, most of which have consistently given stellar returns. The fund house has a legacy of over fifty (50) years and provides services like equity research, fund management, portfolio management, and advisory services.

UTI AMC also has more than 160 financial centers, which serve as a point of contact for investors. Hence, if you look for a fund house that offers a diverse range of mutual fund schemes, UTI mutual fund is the place to be.

Select EduFund for investing in UTI Mutual Fund 

With EduFund by your side, you can conveniently invest in one or multiple UTI mutual fund schemes from the comfort of your home or office. In case you need personalized guidance, EduFund’s seasoned mutual fund counselors assist you in choosing the best fund.

EduFund brings with it a top-class recommendation engine that scans more than 1 lakh data points and 400 financial scenarios to recommend the best plan for you. You can start your journey to financial freedom by investing as little as INR 500 every month. 

Besides Indian funds, EduFund also allows you to invest in international mutual funds and US Dollar ETFs. You can also use several free tools like College Savings Calculator, SIP Calculator, etc. 

EduFund is RIA-registered, and its world-class 128-SSL security safeguards your investments. 

FAQs

What are some of the top UTI Mutual Fund Schemes?

Some of the top-performing UTI Mutual Fund Schemes include UTI Healthcare Fund (Category – Equity: Sectoral – Pharma), UTI Transportation and Logistics Fund (Category – Equity: Thematic), UTI Mid Cap Fund (Category – Equity: Mid Cap), etc.

Can I start investing in UTI Mutual Funds with Rs 1,000/ month?

Yes, there are many UTI Mutual Fund schemes that allow investors to start investing through SIPs with just Rs 500. Some examples include UTI Core Equity Fund (Equity – Large and Mid Cap), UTI Flexi Cap Fund (Category – Equity: Flexi Cap), UTI Healthcare Fund (Category – Equity: Sectoral – Pharma), etc.

How can I invest in UTI Mutual Funds?

You can invest in UTI Mutual Funds in minutes from the comfort of your home. Just download the EduFund App, explore your options, and start investing in a scheme of your choice.

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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 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.
5 ways you can save up for your child’s education

5 ways you can save up for your child’s education

In this blog, we will explore the best ways to save for your child's education! Education in India is viewed as a stepping stone to a good future. ‍The race to get children into the best colleges is so keenly fought that every Indian parent can qualify for a role of an expert counselor. The “padhai karo, nahi tho achchi Naukri kaise lagegi” line is so often heard that it could very well replace the “so jao, varna gabbar aa jayega” line. ‍The belief that a good education will provide for a good life, is entrenched in the way we think. Indian parents are willing to go to lengths to provide their children with the best education and are ready to spend as much as it takes. Many parents start saving when their child is very young, to prepare for future college-related expenses. ‍In this blog, we will look at 5 avenues where Indian parents can consider investing their hard-earned money. 5 Best ways to save for your child's education Your child's education does not deserve to be compromised and here are some ways in which you can plan ahead and start taking small steps toward your child's college fund. ‍Let's get started. ‍1. Investing in Mutual Funds We're sure you have heard of the phrase 'mutual funds' Sahi hai! And when it comes to saving up for long-term investments, mutual funds definitely Sahi hai! ‍Investing in mutual funds as a way to build a corpus fund for a particular goal has gained a lot of interest in the past decade or so. Building a retirement fund or a home purchase fund is very common and a small percentage of investors are also parents keen on saving up for their child’s education. Investing in mutual funds is viewed as a potentially high-return investment with the risk involved since the returns on mutual funds are market-related. Markets have been extremely volatile in the recent past, but mutual funds should still form a large part of an education fund, considering the longer time horizon involved. It is possible to invest as per your risk preference and redemption is far easier when you need the money. With Systematic Investment Plans (SIPs) that give you the option of investing monthly, there is a possibility of better returns compared to one-time/lumpsum investment mutual funds, especially over longer investment periods.   INVEST IN MUTUAL FUNDS 2. Exchange Traded Funds (ETFs) ‍For those of you who are unfamiliar with the concept of ETF, it is basically a basket of securities that is traded on an exchange. They are similar to mutual funds. ‍Investing in ETFs can prove to be a successful investment option when saving up for your child's education. The reason is, that you will be investing your money in dollars, therefore, if your child aspires to pursue his/ her education abroad, the dollar holds more value than many other currencies. INVEST IN ETFs 3. Buying Insurance Plans Buying an insurance plan to provide income security to your child is also an option. Many of these so-called child plans provide insurance cover and also market-linked returns after a fixed tenure. ‍However, returns on these plans have been volatile and impacted by frequent regulatory changes. Also, child insurance policies may not be the best investment option, because they are bound by various terms and conditions. 4. Buying Real-Estate Yes, this holds true for parents trying to save up for their children even today. Real Estate is considered by many, to be a good long-term investment. Since the time horizon that parents should consider is 15-20 years, real estate investments are good to maintain a diversified portfolio. But, real estate has lost its sheen as an attractive investment option over the past decade or so, due to excess inventory and regulatory impacts. ‍There are a number of hassles when investing in real estate. Other than the declining returns – unreliable deals, possible legal tangles, and a high wait time when one wants to sell are some of the factors to consider if this is an investment option for you. 5. Investing in PPF In India, the Public Provident Fund, or PPF is the go-to option for many parents when investing in their child’s future. It is a low-risk option that is exempt from tax on the withdrawal. The returns are lower but predictable. However, there is a limit to the amount of money one can invest through this route – the upper limit is Rs. 1,50,000, annually. PPFs are also less suited when an investor is ready to take more risk and willing to invest in market-linked funds. FAQs How can we save for children's education? Ans. Investing in mutual funds, exchange-traded funds, buying insurance plans, buying real estate, investing in PPF.  What is a good educational plan? A solid educational plan will give your family and you a road map for your future educational and professional objectives. Although parents and kids are free to start as early as they'd like, planning for college and technical training at the middle school level is not too early.  What is the best savings plan for a child? Ans. Sukanya Samriddhi Scheme, Make Investments in Gold, Invest in Equity Mutual Funds, Investments via Recurring Deposits.   Why save for your child's education? Ans. You can avoid taking on significant debt to pay for your child's higher education by starting a savings plan early, even before they enter kindergarten.  What is the right time to start saving for your child's education? The right to start saving for your child's education is as early as possible. The earlier you begin, the better it will be for your investments, as you'll be able to take advantage of the power of compounding. Conclusion We hope now you have a decent idea of what investment options you could consider, as well as the pros and cons of each. In our next post, we will look at why we think mutual funds - through SIP mode - are a good way to build a corpus fund with the goal of educating your child. With this kind of education fund, you can stop worrying about the finances that are required to send your child to the college of her dreams. ‍Your investment today will gift your child a good life, tomorrow. Consult an expert advisor to get the right plan TALK TO AN EXPERT
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