Dilzer Consultants - Investments and Financial Planning

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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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What are the reasons and benefits of an STP

Posted on: October 6th, 2017

 What is Systematic Transfer Plan? Systematic Transfer Plan (STP) is a strategy where in an investor transfers a fixed amount of money from one category of fund to another, usually from debt funds to equity funds.   Systematic Transfer Plan (STP) in a mutual fund- Is it worth it? Systematic Transfer Plan (STP) is a variant of SIP (Systematic Investment Plan). In SIP, the amount is debited from the investor’s bank account and invested in the mutual funds.   In […]

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Importance of Portfolio Diversification

Posted on: September 29th, 2017

The old adage “don’t put all your eggs in one basket” certainly applies to all investors big and small.  The markets are usually very dynamic and it is impossible to predict the exact movement of the indexes. In such conditions, diversified portfolio plays an important role in minimizing the risks and  maximizing the profits. First, set aside enough money in cash and income investments to handle emergencies and near-term goals. Spreading out the investments Investors should invest in the equities […]

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Uncovered- Costs in Mutual funds.

Posted on: September 22nd, 2017

Mutual funds expenses are the charges levied by the Fund Houses and incurred by the investors who hold mutual fund schemes. Before investing in mutual funds, it is very vital on the part of the investors to know about these expenses as they can substantially reduce an investor’s earnings and ultimately impact the returns. Expenses incurred by the Asset Management Companies There are different kinds of fees which mutual funds charge. These fees are charged for the services rendered by […]

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Mutual fund Basics

Posted on: September 15th, 2017

A mutual fund is not an investment by itself. Rather it is an investment vehicle wherein one can invest money in a professionally managed fund that has a portfolio of different underlying assets like stocks, bonds, cash, indexes .Based on investment objective, fund manager philosophy and style, the fund manager’s responsibility is to ensure that returns are maximised and risks are minimized. Why mutual funds do not guarantee returns? The money that an investor puts in a mutual fund is […]

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Direct vs Regular Plans in Mutual funds

Posted on: September 8th, 2017

  Direct plans of mutual fund schemes were launched in January 2013. The basic idea behind the concept was to allow well-informed investors to buy direct plans of a scheme directly from the mutual fund – via online or through authorised branches – and save on commissions.  Mutual fund direct plans are those where AMC / mutual fund Houses do not charge distributor expenses / trail fees / transaction charges. NAV of the direct plan would differ compared to a […]

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Impact of Demonetisation and GST rollout on Indian economy

Posted on: August 25th, 2017

In November 2016, the government made a high-risk, high-stakes economic intervention in the world’s largest democracy, with an objective to reduce corruption. Overnight, 86% of cash in circulation was voided. In a country almost 90% cash reliant, chaos ensued.  With effect from 8th Nov. 2016,  our PM Shri Narendra Modi  banned currency notes of 500 and 1000. It is a strict decision of banning regular 500 and 1000 rupee notes from circulation which is a result of finding 1.25 lakh crore black […]

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