Mutual funds:
Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of securities such as stocks, bonds, and other financial instruments. They are managed by professional fund managers who make investment decisions on behalf of the investors. Mutual funds provide an opportunity for individuals to participate in the financial markets and benefit from the expertise of fund managers. They offer various types of funds to suit different investment goals and risk preferences.
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SIP (Systematic Investment Plan):
SIP is a method of investing in mutual funds where investors contribute a fixed sum of money at regular intervals, such as monthly or quarterly. It allows investors to invest systematically and benefit from the power of compounding. With SIP, investors can invest smaller amounts regularly and accumulate wealth over time, reducing the impact of market volatility on their investments.
NFO (New Fund Offer):
NFO refers to the launch of a new mutual fund scheme. During an NFO, investors have the opportunity to invest in a mutual fund scheme at its initial offering stage. NFOs are often introduced with a specific investment objective or theme and provide investors with a chance to be part of the fund from its inception.
Tax Saving Investments:
Tax-saving investments are financial instruments that offer tax benefits to investors while helping them grow their wealth. In many countries, including India, certain mutual fund schemes, such as Equity Linked Saving Schemes (ELSS), offer tax deductions under specific tax laws. These investments provide an avenue for individuals to save on taxes while potentially earning attractive returns over the long term.
Direct Equity (Shares) / IPO:
Direct equity investments involve purchasing shares or stocks of individual companies listed on the stock exchange. Investors directly own a portion of the company and can benefit from its growth and profitability. Initial Public Offering (IPO) refers to the process of a company issuing its shares to the public for the first time. IPOs provide an opportunity for investors to invest in newly listed companies and potentially benefit from their growth.
Loan Against Securities:
Loan Against Securities is a financing option where individuals can borrow money by pledging their investment securities such as mutual funds, shares, bonds, or other eligible securities as collateral. This allows investors to unlock the value of their investments without having to sell them, providing liquidity for various financial needs while still retaining ownership of the securities.
Bonds / PMS Services:
Bonds are fixed-income securities issued by governments, municipalities, or corporations to raise capital. Bond investors lend money to the issuer in exchange for regular interest payments and the return of the principal amount at maturity. Bonds offer a predictable stream of income and are generally considered less risky than equities.
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PMS (Portfolio Management Services):
PMS (Portfolio Management Services) is a professional investment service offered by portfolio managers or investment firms. PMS allows individuals to delegate the management of their investment portfolio to experienced professionals. These portfolio managers make investment decisions on behalf of the client based on their financial goals, risk appetite, and investment objectives. PMS services are customized to meet individual investment preferences and may include a mix of different asset classes such as equities, bonds, and other securities.
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