Dilzer Consultants - Investments and Financial Planning

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How to construct an ideal portfolio

Posted on: December 15th, 2017

Starting with an essential emergency fund( cash reserve ) , then Insurances, Asset Allocation as per one’s risk profile, timely rebalancing of portfolio, Estate Planning etc. all  focus on risk management along with strategies to beat inflation and generate  decent returns to achieve financial goals. An important part of asset allocation includes investments in Equity, Debt  Cash and Gold.. However , picking the right mix of MFs requires guidance from a professional than a novice looking for a jackpot. The best […]

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Mutual funds or Direct Equity- which is a better option?

Posted on: December 8th, 2017

Wealth creation requires skill, knowledge, time and risk taking capability. Investment through long term equity is the ideal strategy to plan for long term goals and beat inflation.   There are two options to invest in equity market – Equity based Mutual Fund and Direct Equity. Mutual Funds: Mutual fund is a professionally managed investment scheme, usually run by an asset management company that brings together a group of people and invests their money in stocks, bonds and other securities depending […]

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Equity vs Mutual fund vs Real Estate

Posted on: November 30th, 2017

Infrastructure sector plays a vital role in the growth of a fastest growing economy like India. The infrastructure sector also includes real estate where most of the private and individual investors invested their savings. This includes the primary and the secondary market where the major players areprivate investors. But in recent years, there has been a drastic drop in the demand as well as the price in this sector, especially after demonetization. But the government is giving due care to […]

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What is the right time to invest in mutual funds

Posted on: November 24th, 2017

This is the Million dollar question that every investor has in his mind before he goes for an investment in mutual funds. Almost all investors we met are confused on whether this is the right time to invest. There is a lot of debate and thinking behind the selection of when to invest but this could be an effort gone waste because the real effort needs to be directed towards ensuring that there is some investment that is actually made. […]

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Growth or Dividend Option in Mutual funds?

Posted on: November 17th, 2017

While selecting a mutual fund, investors have to make a selection based on endless number of choices. Among the more confusing decisions to be made is the choice between a fund with a growth option and a fund with a dividend reinvestment option. Each type of fund has its advantages and disadvantages, and deciding which is a better fit will depend on your individual needs and circumstances as an investor.  No single mutual fund is perfect for every investor; that’s why there are […]

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Does a Low/High NAV of mutual fund determine its performance?

Posted on: November 10th, 2017

The Net Asset Value (NAV) of a mutual fund is the price at which units of a mutual fund are traded in the market.It is the market value of the fund after deducting its liabilities. In simpler words, NAV is the price per unit of the fund, just like any share has a price. The NAV of a mutual fund will be calculated on a daily basis. The total value of the mutual fund portfolio is calculated on a daily […]

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Difference between Dividend payout, reinvestment and growth option in mutual funds

Posted on: November 3rd, 2017

The following are the choices available to an investor while investing in mutual funds:  Growth Option: Growth option of mutual fund is one in which any return or profits earned by the mutual fund scheme are invested back into it. Overview of Growth option – The profits are not paid out in between but keep on accumulating in the scheme. Profits are reflected in the NAV. This results in an increase in the net asset value (NAV) of the scheme […]

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How does ELSS compare to other tax saving investments

Posted on: October 27th, 2017

ELSS stands for Equity Linked Savings Scheme. ELSS funds are a type of diversified equity linked mutual fund savings schemes which qualify for tax exemption under section 80C of the Income Tax Act. It offers the dual advantage of capital appreciation and tax benefits. Tax benefit Angle of ELSS funds One can save income tax of up to Rs 1.5 lakhs under Section 80C of the Income Tax Act by investing in ELSS Funds. The returns generated on the investments are also tax­-free in the […]

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Tax Implication on various investment options

Posted on: October 20th, 2017

As an investor you should be aware of these tax implications so that you can create a tax-efficient investment portfolio.However, your investment decisions should not be based only on tax-saving criteria. EQUITY   /  Stocks  1. If you hold on to them for a year, the long-term capital gain is tax free  As per Budget 2017-18, Exemption of Long Term Capital Gains Tax u/s. 10 (38) available only if acquisition of share is subject to STT (except cases like IPO, bonus issue, rights issue […]

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What are the charges on mutual fund Investments

Posted on: October 13th, 2017

As an investor, it is very important to know what are the charges involved in investing in mutual funds. When your money is handled by a team of experts – stocks are bought and sold on your behalf, periodical communication is sent on investments, charges are given to the intermediaries etc and all these expenses come with a cost. There are no free lunches. So the question is how much a mutual fund can charge? Is it one time in […]

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