Whether liquid funds are a good option for building emergency corpus?

Liquid funds in India, as the name suggests are liquid. This means they can be easily converted from invested money into useable money. They have minimum 7 day’s of exit load. .

Before focusing on why to use liquid funds in India for emergency corpus, let’s focus on how to build an emergency fund.

Examine your Cash Flow:
First and foremost, check if can maintain the income which meets your monthly expenditure or basic needs. Due to pandemic-induced economic deceleration, salary cuts and business losses have affected the majority of the population throughout the world. If you have a surplus left after meeting your emergency corpus, you may then consider investing money.

Understand your risk-taking ability:
Before you invest your money, gauge your risk taking abilities. If you are an investor reaching your retirement, then you might want to take a conservative stand. This means holding a bigger emergency corpus, say 24-36 months equivalent of expenses into a liquid mutual fund. Liquid fund returns may be lesser compared to a longer-term debt fund or other funds such as equity mutual funds, however, they can serve the main purpose of an emergency fund; which is offering you safety and liquidity at the time of need.

When selecting the liquid funds to invest in, note that the focus should not be on return but the safety and liquidity aspect, especially if you are building emergency funds.

Liquid Funds may not vary a great deal in returns. Invest in liquid funds which invest completely in short-term government securities of not exceeding 91 days and have no private party risks. Due to the short maturity period, they are not subject to volatility in interest rate fluctuations.

Liquid funds taxation is as per the holding period. For short term capital gains of lesser than three years, the gains are taxed as per the income tax slab of the investor. For long-term capital gains exceeding three years, liquid funds are taxed as per 20% with indexation benefit.

Traits of Liquid Funds in India that makes them an excellent choice for the Emergency fund:

Liquid funds can be easily converted to useable money. They can be easily redeemed and in just T +1 time the money gets credited to your account.

Liquid funds are less risky as compared to equity mutual funds. This helps to minimize the downside risk of your investments due to from market volatility to a certain extent.

Last but not the least, always choose mutual funds to create the emergency corpus you desire as the Mutual Fund industry is managed by professionals and regulated by SEBI..

What are the different investment ideas…

Investing may generate returns for you in 2 ways. One is that if you invest in a saleable asset, you can profit from it. Second, if an investment is made in a profit-generating plan, you will earn returns through the accumulation of profits. An “investment” in this sense is the putting of savings into an asset or object that becomes more valuable than its original value or in an asset or object that helps to generate a return over time.

Financially speaking, an investment is an asset acquired for the purpose of allowing it to be valued over time

Here are some of the smart investment ideas for bringing more wealth to your existing funds.

Invest in FDs with banks offering above-average returns
Fixed deposits due to their solid returns and high liquidity are becoming one of the most popular investment vehicles in our country. However, the RBI’s decision to freeze the report at 4% has helped most banks cut FD rates. However, there are still a few private and small finance banks that are currently offering above-average returns. After conducting a thorough risk assessment, you may want to consider investing a portion of the bank’s FD funds in the case depending on your expectations of return.

Invest in short-term bond funds
Debt funds can be great alternatives to investors who do not want to invest in FDS. Debt funds are more effective than FDS, and they have the potential to offer better profits. Due to the potential to increase interest rates in the future, investors can invest in short-term bond funds. Money is exposed to the concerns of long-term interest rates. However, short-term debt funds carry lower interest rates if they invest in bonds with a term of less than 5 years, such as commercial papers, state securities, V.V. So if you are looking for a low-risk investment option, the short bond fund can be considered as part of your portfolio.

Park an portion of your funds in high-interest savings accounts
There are several banks that offer attractive interest rates on savings accounts. Investors can consider holding a portion of their funds in one of the savings accounts after the live-action, keeping in mind the minimum balance requirement among other conditions. For example, you can store emergency funds in these high-interest rate accounts for easy use in the event of a financial emergency.

Invest liquid fund or FD returns to equity funds
Excessive volatility can avoid investing in stocks in the current market. But you don’t want to give up the opportunity to invest in the stock market and make a lot of money. To prevent the capital loss, systematically invest funds in top-class liquid funds or high-interest FD accounts with at least income planning (MIP) options to slowly transform funds into top-class equity investment trusts. can do. This way you can ensure a higher level of security for your basic investment. On the other hand, if the market works well, you can get better returns than reinvesting interest in FD.

Apply a staggered investment approach in equity mutual funds for the long term
When you want to invest a lump sum, you can store your corpus in liquid funds and wait until the downtrend in the stock market gradually stumbles. You can choose a fixed interest rate on the liquid fund corpus and move to a stock fund each time the stock market falls sharply. For example, suppose that every time the stock market falls by more than 10% at the last entry-level, 10% of the remaining allocation of liquid funds will be switched to a stock fund. Assuming you have five chances a year, it means that you can switch about 41% of your current allocation to equity funds. You can continue to move as the market falls further. As the market rises, you can take advantage of the average rupee cost and increase the value of your portfolio. When investing using this strategy, the longer you invest, the better your results and the less risk you have.

Axis Direct Brokerage Calculator

What is a Demat Account?

A Demat Account allows traders and investors to hold the shares and securities in an Electronic format. Moreover, it replaces the old-fashioned trading and holding in physical shares with an innovative way of electronic form. A lot of paperwork is reduced due to it being in an electronic form and almost everything is done online. A Demat account will make investing and trading very convenient for any investor. Additionally, the shares are stored in dematerialized form and all the stocks once entered into the Demat account are converted from physical to electronic form.

What are the benefits of a Demat Account?

Less Paperwork: All your investments are stored in an electronic form that eliminates almost all documentation and reduces paperwork.
Reduces Cost: Trading in physical shares will reduce the higher transactional cost. Moreover, all the extra expenses like stamp duty and handling charges are eliminated by using a Demat Account.
Instant Transactions: As all the shares are in Electronic Form, a Demat account makes the transactions faster and results in quick credit for investors.
Safe and Secure: Trading in physical share format has many risks associated with like damage, loss, and misplacement of shares. Additionally, when you open a Demat account all these risks get eliminated.
Axis Direct Demat account opening guide

Some Facilities offered by Demat Account

Multiple Access
Easy Transfer of Shares
Freezing of Demat Account
Quick Dematerialisation and Rematrialization
How does an Online Demat Account Work?

An Online Demat Account is like a bank account only difference that exists is that a bank account holds cash and a Demat account holds securities and shares. Moreover, when you buy shares the DP or Depository Participant credits your Online Demat account with the particular shares you want to purchase. After the shares are credited, it is reflected in your statement of holdings. If you trade via the internet, you can view the holdings of yours in an Online Form.

When you go for a sell transaction for selling your shares you need to give instructions to your broker. Moreover, your account is debited with shares, and the money is received after the shares are sold. If you are trading via Online mode through the internet the debit transaction will directly be reflected in your account with credit of the amount of money.

Types of Demat Account

Regular Demat Account: A regular Demat account is appropriate and used by traders and investors who reside in India. SEBI has introduced an Account type that is called BSDA (Basic Services Demat Account) for investors with holdings that do not exceed Rs. 2 lakhs. The maintenance charges of this type of Demat Account are low annually.
Repatriable Demat Account: A Demat account type that is appropriate and used by NRIs or Non-resident Indians under which the funds can easily be transferred abroad. A Demat account of this type requires an NRE bank account in association with it.
Non-Repatriable Demat Account: A type of Demat account that is generally used by NRIs in which funds cannot be transferred abroad. In addition to that, a Demat account of this type will require an NRO bank in association with it.
What is a Trading Account?

Trading Account is usually used for buying or selling equity shares in the Stock Market. Moreover, the stock exchange previously was functioning on the open outcry system. In such type of system, the traders used verbal communication and hand signals to convey their decisions of buying or selling a particular stock by mentioning the quantity. Additionally, later the stock markets totally adopted the new and advanced electronic system.

Everything is now available in online mode where the buyers and sellers do not have to be present at the stock exchange in order to place a particular order. In addition to that, they even open a trading account for you with a registered stock market broker who conducts the trading. Every trading account has a unique ID for trading and that can be utilized to perform all the transactions online.

What are the benefits of a Trading Account?

Reliable Information: For going into the field of Equity Investing, you need to take the right decision at right time. Moreover, Online trading provides services like research reports and knowledgeable professionals. These reports provide the investors with reliable information that makes the investment decisions well-informed.
One-point Access: There are multiple exchanges in the country of India that help the investor to trade in a variety of commodities and securities. Some of the leading exchanges are NSE, BSE, MCX, and NCDEX. Moreover, having a trading account will enable Wealth creation in just one click.
Flexibility: The trading platforms provide flexibility as there is the facility of web-based and application-based platforms. You can have easy access to many devices from which you can trade.
How does a Trading Account Work?

A trading account acts as a mediator or link between the bank account and the Demat account of the investor. Moreover, investors can place his order through this type of account when he wants to buy shares. Additionally, when the buy order is placed the transaction is later processed in the stock exchange. The shares are credited into his Demat account and the proportionate amount of money is debited from the Bank account.

If a similar process takes place for the sale of shares. The investor should choose to sell a specific number of shares suppose 50 Shares. The transaction is processed in the stock exchange and the 50 shares (Example) are debited to his Demat account and the amount of money of those shares is credited to his bank account.


To sum it up, a Demat account will help keep your shares and securities in an electronic form, and a Trading account will help you trade in the stock exchange. Additionally, there are many benefits of a Demat like safety, instant transactions, less paperwork, and cost reduction. Moreover, the benefits of a trading account include one-point access, flexibility, seamless transaction, notification, and much more. Having Demat and trading accounts will make your trading journey simple and hassle-free.

How to buy Cine Media Celebrity Coin (CMCCOIN) in India?

Are you looking for the best exchange in India to buy cmccoin with INR? Then, you have landed at the right place. By using this guide, you can easily buy, sell, and exchange cmccoin to INR on Koinbazar. Before we get into this, let’s see an overview of Shiba Inu Coin.

What is a Cine Media Celebrity Coin (CMCCOIN)?

CMCCOIN is a cryptocurrency that is made for Cine Media celebrities to use throughout the world. CMC will bring P2P exchange and investment together in one place, opening doors, cutting costs, and lowering barriers for all. Using Crowdfunding in Cine Media gives more advantage over the crisis which the industry faces nowadays. CMC is planning to produce movies and web series through crowdfunding.

How to buy CMCCOIN with INR on Koinbazar?

To buy cmccoin with INR here, follow the step mentioned below,

Step 1:

Visit Koinbazar.

Step 2:

If you are already a registered user, choose ‘SIGN IN’ at the top right corner of the website to log into your account. If you are a new user, click ‘SIGN UP’ in the top-right corner to register your account.

Step 3:

After you sign into the account, choose “MY ACCOUNT” at the top right corner of the page. Update the requested details to build your profile.

Step 4:

Choose KYC verification under “MY ACCOUNT”.

Step 5:

Update the KYC authentication section requested details and identity certificates should be updated and then click ‘SAVE’.

Step 6:

Choose ‘BANK DETAILS’ and update your required information. Then, click “SUBMIT”. Once the admin approved, you will be able to deposit and withdraw your funds from your Koinbazar wallet.

Step 7:

Once the admin approved your bank details, Choose “Funds” from the top right corner of the menu and select “Deposit”.

Step 8:

Choose the “Fiat” option from the deposit. Your desired funds to be deposited in the form of fiat currency.

Step 9:

Then choose the ‘Manual Deposit’ option and update the required information and also instant INR deposit options available. Your transferred amount will be credited to your Koinbazar wallet after reviewed by the admin.

Step 10:

Once your funds get deposited, go to the home page and select ‘TRADE’.

Step 11:

On the trading page, choose the “INR” market and select CMCCOIN to INR pair to buy cmccoin in India instantly at the low transaction fee.

Step 12:

At the bottom left of the page, start trading by setting the order type and order value you would like to buy.

How to do tax-saving with mutual fund investments?

It might be difficult watch your hard earned savings simply getting deducted in taxes. The simplest thing to do would be to invest in a tax saving mutual fund, which helps you build wealth and reduce your tax liability. Remember though tax planning is challenging, it can also be rewarding if done correctly. So, we are giving you a quick run through about how you can save your hard earned money by investing in a Tax Saving (ELSS) mutual fund scheme.

An ELSS (Equity Linked Saving Scheme) could become you best choice if you are looking for:

Tax benefit u/s section 80C of the Income Tax Act, 1961
Opportunity to invest in the equity markets to grow your investment corpus
Long term Capital appreciation
Shortest lock-in period as compared to other tax saving instruments under Section 80C

As per SEBI’s categorization norms for mutual funds, ELSS is an open-ended equity-oriented mutual fund scheme that invests a minimum 80% of its assets in equity & equity related instruments.

Generally investment objective of an ELSS tax saving mutual funds is to achieve long-term capital appreciation by investing primarily in equity and equity-related instruments.

A distinctive feature about ELSS is that compared to the other open-ended diversified equity mutual funds, investment in ELSS is subject to a compulsory lock-in period of three years. During this period, you cannot redeem your investments before the completion of three years from the date of the investment. After the lock-in, if you decide to redeem the investment on the realized gain, as per the current tax rules, LTCG (Long-term capital gains) tax applies.

Remember, though tax saving may be a major purpose behind investment in tax saving mutual fund; it’s a general expectation that any investment should also deliver some return. Hence, while evaluating your options for the tax saving mutual funds of 2021 to invest in, you need to look at the return column too. Do not forget that as an investor, should know the risk- reward tradeoff specific to an investment before taking the plunge with your hard earning money. You need to look beyond to see a historical growth of ELSS tax saving mutual funds for a period of at least 3 years.

If you are looking to save tax, lower your capital gains tax and long term risk adjusted returns from your investments, maybe you should consider adding an ELSS tax saving mutual fund to your portfolio.

Lease hold vs Freehold properties

When we talk about investment of our savings there are many options open to us. We have as options, equities, Mutual funds, Debentures, Bonds or financial institutions like banks and real estate. Amongst all these options investment in Real estate is considered to be the safest and most prudential investment because of the returns it fetches. The safety factor is greater as the risk of the investment just crashing or being a total loss is very minimal where as the rewards can be very substantial.

Before the appearance of the pandemic real estate was the fastest growing segment of the Indian economy. The net value of the sector was calculated at 180 billion dollars and it was predicted that the value of the real estate segment in India in the next ten years will be around 1 trillion dollars. This is considered a phenomenal growth and it was also predicted that the share of India’s Real estate market to the GDP of India will be around 17 to 18 percent by the end of the next decade. The reason for this growth is he growth of incomes of the upper middle class segment of the population due to the coming of the Multi National Corporates and the hefty increase in salaries.

The primary step in understanding an Investment in Property of real estate is to understand the type of property it is. Whether it’s a leasehold or Freehold property. What is the difference between the leasehold and freehold? A lease hold is a property in which the holder or true owner of the property has signed over a long term lease in favour of the lessee or the tenant. In the case of government owned property it is the President of India who is acting through the Land and Development Authority of India in granting a long term or permanent lease to the Lessee. The lease hold properties are not freely transferable and the prior permission of the Land and Development Authority is required to transfer the lease to another.

Freehold properties are those properties in which the owner has transferred the full rights to the purchaser by means of a sale deed with total rights to resell or transfer the rights to the property to another purchaser without let and hold. The only condition is that each time the properties rights are transferred the purchaser has to pay stamp duty to the relevant authority for the transfer rights of the property. The records of the ownership can be ascertained from the registrars office of the competent authority. A freehold property is always a better investment as its rights can be sold or mortgaged freely by the current title holder without any interference or hinderance from the previous title holders.

Investors are mostly scared of the authenticity of the title while entering into a transaction. The title in this case means the ownership of the property and there are two terms which are often used with this regards. One is the “ good Title” and the second is the “marketable title”. What is the difference in these two terms. The good title is one that is free from any defects and chances of any legal issues. The marketable title is one which is free from any reasonable doubts in the ownership which will not make the buyer liable for any legal action in the future after the purchase of the property.

In India it is always better to purchase property after the verification of the title of the property and for this purpose the best title is the good title. The Good Title is always a Marketable title but not all marketable titles need be good titles.

There are a few things each buyer should check before buying a property viz:

To check the chain of title deeds with receipts
To get the NOC if property is in a joint name
To be sure that there are no provisions which hinder you from further transferring the property.
To check the power of attorney if the seller is not personally present
To check occupation certficates
To ensure there are no legal proceedings pending against the title.

Comprehensive Guide to the Top Stock Screeners of 2021

What is a Stock Screener?
A stock screener is a vital tool for traders and investors, providing a platform to filter stocks based on user-defined metrics. These screeners access a vast database of company information, including financials from balance sheets, profit and loss statements, quarterly results, cash flow, shareholding patterns, and much more. With over 1200 financial ratios available, users can set precise filters to isolate stocks that meet their investment criteria.

Key Features of Stock Screeners
Extensive Database: Access detailed financial data from numerous listed companies.
Customizable Filters: Set specific criteria based on financial ratios and other key indicators.
User-Friendly Interface: Simplify the process of finding investment-worthy stocks through an intuitive setup.
How to Utilize Stock Screeners Effectively
To maximize the potential of stock screeners, follow these strategic steps:

Select the Right Platform: Begin by choosing a screener that aligns with your investment goals and offers the necessary tools for your trading style.
Define Your Criteria: Specify the variables such as market capitalization, debt levels, revenue growth, etc., to focus your search on stocks that meet these parameters.
Analyze Chart Patterns: Use the screener to identify favorable chart patterns and perform backtesting to ensure reliability.
Set a Time Frame: Align all filters and strategies within the chosen investment period.
Focus on Volume: High-volume stocks typically offer better liquidity, making it easier to enter and exit positions.
Conduct Independent Research: Complement screener results with your own research, including recent news and financial analyses.
Keep a Trading Journal: Document your trades and strategies to refine your approach over time.
Create a Watchlist: Monitor potential stocks and make informed decisions based on real-time market data.
Best Stock Screeners of 2021

Here’s a detailed look at some of the top stock screeners from 2021, each offering unique features to cater to different trading needs:

Finology Ticker
Features: Offers a customizable filter based on over 1200 financial ratios.
User Guide:
Type your query.
Choose from suggestions.
Run the screener.
Analyze the results.
Specialty: AI-driven insights tracking real-time market movements.
Customization: Offers customizable pre-set scans based on technical, fundamental, and social data.
Edelweiss Mobile Trader
Accessibility: User-friendly for both beginners and experienced traders.
Availability: Free on mobile platforms with options for lite and elite plans.
Focus: Combines technical and fundamental analysis.
Subscription: Offers both free and paid versions, starting at Rs.2150 annually.
Integration: Web-based charting and screening with real-time data from global exchanges.
Tools: Features include watchlists, news feeds, and customizable stock scans.
Coverage: Extensive filters covering price, fundamentals, ratios, and more.
Platform: Offers detailed quotes and charts for NSE and BSE listed companies.
Zerodha’s Pi
Versatility: Includes filters for financial ratios, technical indicators, and broker ratings.
Functionality: Allows for real-time scanning during trading hours.
Money Control
Updates: Provides the latest information from both Indian and international markets.
Features: Supports voice-based searches through its mobile app.
Google Finance
Free Access: Offers stock screening tools without charge, with additional in-app purchases.
Features: Includes market trends, real-time quotes, and an earnings calendar.
Comparative Analysis: Allows for peer comparison and provides daily updates.
User Interface: Features a user-friendly dashboard with normalized figures.

Stock screeners are indispensable tools for modern traders and investors, offering a streamlined approach to market analysis and investment selection. By setting precise criteria, users can efficiently sift through vast amounts of data to find stocks that align with their investment strategies. The best stock screeners of 2021 provide a range of options tailored to different needs, from AI-driven analytics to user-friendly interfaces for beginners.

What are the types of debt mutual funds and their risk classification?

What are the types of debt mutual funds and their risk classification?

Types of Debt funds, Debt funds, types of debt funds, dynamic bond funds, liquid funds

Debt funds are a type of actively managed mutual fund that primarily invests in debt instruments such as Treasury bills (T-bills), Government securities (G-secs), commercial papers (CP), government and corporate bonds, certificates of deposit (CD), and money market instruments.

What are the different types of debt funds in India?

Liquid Funds:
This type of debt fund is considered relatively less risky among mutual funds. As the name suggests, they are liquid and allow investors to redeem and liquidate their investments depending on their needs. The portfolio of this fund comprises instruments that have a short maturity period of not exceeding 91 days.

Dynamic Bond Funds:
Dynamic Bond Fund is where the fund manager dynamically changes the maturity of the portfolio depending upon the interest rate forecast. If the forecast indicates a rising interest rate, then the fund manager may opt for instruments with a longer maturity. If the forecast is indicating a falling interest rate, then the fund manager opt for investments in instruments with a shorter duration of maturity.

Short / Medium / Long Term Debt Funds:
Short-term Funds are a type of debt fund that generally have a maturity period of 1 to 3 years. The portfolio of short-term funds is structured in a way such that their prices are not much impacted by the interest rate movements.

Medium Term debt funds generally have a maturity period of up to 3 to 5 years, and long-term debt funds have a maturity exceeding 5 years. The longer the tenure, the more significant is the impact of the interest rate on the portfolio, which is also known as interest rate risk or duration risk.

Fixed Maturity Plans
This type of debt mutual fund is a closed-ended scheme. However, they can be traded on the stock exchange where they are listed.

Investment in debt mutual funds are generally less volatile than equity mutual funds. However, there are different types of risks in debt funds.

AMFI has very well-articulated the risks present in Debt Securities. Let us take a brief look at the risks prevalent in the debt market instruments.

Interest Rate Risk

The NAV or Net Asset Value of Debt Mutual Funds is inversely related to interest rate movement. Generally, when the interest rates rise, the prices of existing fixed income securities in your debt mutual fund portfolio fall and when interest rates drop, such prices increase. Accordingly, the NAV of the debt mutual fund portfolio may fall if the market interest rate rises and may increase when the market interest rate comes down. The extent of fall or rise in the prices depends upon the duration or maturity of the underlying security.

Credit Risk

Credit risk refers to the risk associated with default on interest and /or principal amounts by issuers of fixed income securities. The credit rating agencies assign a credit rating to fixed income securities and accordingly, in case of a default, the debt mutual fund may not fully receive the amount due to them and the NAV of the scheme may fall to the extent of default. The price of a security may change with expected changes in the credit rating of the issuer, even when there is no default. It may be mentioned here corporate bonds may carry a relatively higher amount of credit risk than government securities. Within corporate bonds too there are different levels of safety.

Liquidity Risk

Liquidity risk refers to the ease of selling debt instruments at or near their valuation yield-to-maturity (YTM) or true value. Liquidity condition in the market varies from time to time and accordingly, the liquidity of a bond may change, depending on market conditions

Assess the illiquidity of the underlying securities of the debt mutual fund portfolio. At the time of selling the security, the security may become illiquid, thereby leading to a loss in the value of the portfolio.

Debt funds are suitable for investors having a lower appetite for risk. Be cognizant of the underlying risk in the portfolio before you invest.

What You Need to Know About the Housing Market

The main things that you should know include:

1. Housing Supply Statistics
There are instances whereby the demand is high, but the supply is low. On the other hand, the home sales would rise. As long as there are no building restrictions, the supply will rise eventually. Ensure you are up to date with such statistics by keeping track of the housing news. The low-interest rates have also led to an increase in the demand for houses.

2. The Price Usually Makes or Breaks the Deal
As you acquire a home, some of the major factors to consider include the price. It is advisable to acquire a home when there is a buyer’s market, which means the market favors the buyer. As per the housing news, in the past two years, the market has favored the sellers considering there is a huge demand, yet the supply is low. The low mortgage interest rates also play a crucial role since they allow many people to acquire homes easily.

When each of these factors s combined, the seller market becomes stronger, and the real estate prices are high. The average price for a home in 2020 was $320,000. The prices would vary depending on factors such as location. Nevertheless, the entire U.S. is a seller’s market at the moment. Depending on your budget, you can consider waiting for signs that the house prices are about to go down.

3. Timing and Location Matters
In real estate, one of the major factors to consider includes the location of the property. The only issue is that you cannot change the location once you have made an acquisition. The location of a house will have a direct impact on its value. Additionally, you should keep in mind that a home depreciates with time; however, the value of the land will rise. Before you consider the type of home you want, first determine the most suitable location.

If you want your investment to bring about more value, you should acquire a home in one of the upcoming neighborhoods. The main issue is that it will cost a significant sum of money to acquire a home in an already established neighborhood.

You should study the neighborhood trends to get a good idea of whether the neighborhood is worth the investment depending on the location. Focus on the crime statistics, amenities, population, school ratings, and employment figures. If you notice the area is improving gradually, it is worth it, and you can conduct further research.

4. How the Pandemic Has Affected Employment
You should focus on the employment trends of the areas you are interested in before committing your hard-earned money. If there are more jobs in a specific locality, that is a good sign since unemployment is not attractive. With the COVID-19 pandemic disrupting the economy, the number of unemployed people has risen significantly, as per housing news. Some people lost their jobs, whereas others maintained the unemployment status. There is a lot of uncertainty in the job market, and you should consider such factors before acquiring property.

5. Where You Should Buy Property in 2021
Investors in the real estate market usually acquire property in some of the largest markets. After the COVID-19 pandemic is contained, there is a likelihood the market would shift away from the city centers to the rural areas and suburbs. Since most people have noticed working from home is possible, they prefer a home with more space and affordable. Such individuals are currently on the lookout for spacious homes regardless of the location, considering working from home is the norm currently.

The Bottom Line
Despite being ready to invest in the real estate sector, factors such as timing matter. The real estate sector guarantees significant profit margins; however, you should take time, study the market, and understand the best time to make an acquisition, and stand a better chance of making more money in profit margins.

How do I Start investing in Mutual Funds Online?

The Internet of things has touched every corner of our lives. In food & beverage it has given us access to a variety of options by sitting in the comfort of our homes, in telemedicine it has encouraged doctors to perform surgeries and consult patients remotely, in communication it has made our lives way easier by almost putting the entire world in our hands, in banking & finance, it has made our lives a lot easier by doing away with brick & motor setup and replacing it with the click of a button. While IOT has touched and changed almost everything in our daily lives, investment also has leveraged its convenience and simplicity. What used to take a lot of time in filling up forms and attaching id proofs has now been replaced with a few easier steps & clicks.

One can find a variety of options when it comes to investing in mutual funds online. You can do it online via your banks, or log on to the mutual fund website, you can do it via Demat account via RIA’s (Registered Investment Advisor), etc. There are plenty of options available, but what you should be careful about is the plan you are selecting while investing online is direct or regular.

Regular Plan

The commission to the distributor is added in the Regular Plan TER or the total expense ratio. Thus, the NAV of regular plan is also slightly higher than direct plan and the units you get are slightly lesser than what you could have got in a direct plan. Even when you invest via a Bank or via your DEMAT account, you are investing in a regular plan attracting a higher expense ratio compared to a direct plan.

Direct Plan

When you log on to an AMC’s website and you choose to invest in mutual funds online directly or through an RIA , you are investing in a direct plan. When you choose to invest in a direct plan online, the TER or the total expense ratio is slightly lesser as compared to the regular plan as it does not include any commission charges. You end up getting slightly more units as compared to a Regular plan.

However, whichever mutual fund you choose to invest online, always remember to do proper research before investing.