A mutual fund is an investment instrument in which a group of participants combine their money to obtain a return on their investment over time. An investing specialist known as a fund manager or portfolio manager oversees this pool of funds. To maximize profits, they are responsible for investing the funds in various securities such as bonds, stocks, gold, and other assets. The investment gains (or losses) are split among the investors in proportion to their contributions to the fund.

Why should you invest in mutual funds?

Diversification:

You've probably heard, "don't put all your eggs in one basket." When it comes to investing, this is a well-known slogan to remember. If you invest in one asset, you risk losing money if the market crashes. You can, however, avoid this problem by diversifying your portfolio and investing in other asset types. If you invest in stocks and want to diversify, you must carefully select at least ten stocks from various industries. This can be a time-consuming and lengthy process. When you invest in mutual funds, on the other hand, you get quick diversification. For example, if you buy in a mutual fund that tracks the BSE Sensex, you will access up to 30 securities from various sectors. This could significantly lower your risk.

Returns:

One of the most significant mutual fund advantages is the possibility of earning possibly larger returns than standard investing solutions that provide guaranteed returns. This is because mutual fund returns are connected to the market's success. So, if the market is on a roll and performing well, the impact on the value of your fund will be recognized. On the other hand, poor market performance may hurt your investments. Mutual funds, unlike traditional investments, do not guarantee capital protection. So do your homework and invest in funds that will assist you in meeting your financial objectives at the appropriate moment in your life.

Tax advantages:

By participating in Equity Linked Savings Schemes, mutual fund investors can receive a tax deduction of upto Rs. 1.5 lakh (ELSS). Section 80C of the Income Tax Act qualifies you for this tax relief. The lock-in period for ELSS funds is three years. As a result, you can only take your money out once the lock-in period expires if you invest in ELSS funds.

Asset class-based fund types include:

Investing in debt funds:

Debt funds (sometimes fixed-income funds) invest in assets such as government and corporate bonds. These funds strive to provide investors with reasonable returns and are considered less risky. These funds are significant if you want a consistent income and don't want to take risks.

Funds that invest in stock:

Equity funds, in contrast to debt funds, invest inequities. The goal of these funds is to increase their value over time. However, because the returns on equity funds are connected to stock market movements, these funds are riskier. They're a fantastic choice for long-term goals like retirement planning or homeownership because the level of risk decreases over time.

Funds with a hybrid strategy:

What if you wish to invest in both equities and debt? Hybrid funds are the solution. Hybrid funds hold a mix of equities and fixed-income securities. Hybrid funds are divided into subcategories based on allocating their assets between equity and debt (asset allocation).

A Myth is a commonly believed but ambiguous or obscure belief. These frequently build a buzz around a particular topic or event, conditioning individuals to think in the same or similar ways. Similarly, there are numerous misconceptions concerning mutual fund investments. Investors must be able to debunk falsehoods to have a positive investment experience, achieve financial goals, and build wealth.

Mutual fund myths and realities:

Myth: Mutual funds are appropriate for experienced investors.

Fact: FALSE! It is, in truth, a straightforward financial investing help that does not necessitate rocket science. It's for anyone who wants to make more money. The risk appetite of the investor influences the fund selection. Individuals can choose from various products depending on their aims and age. And, once money has been placed in mutual funds, their Net Asset Value can be tracked daily.

Myth: Mutual funds necessitate a substantial investment.

Fact: Mutual funds do not require significant initial investments; you can begin with as little as Rs. 500 per month through a tool known as a Systematic Investment Plan (SIP) in a mutual fund, which allows you to invest a regular monthly installment in the fund, based on which units will be purchased in your folio. The earlier you begin investing, the better because your money will compound for a longer time.

Myth: Investing in top-rated mutual funds ensures success.

Fact: The performance of mutual funds is subjected to market risks and can fluctuate from time to time. As a result, it is impossible to predict whether a fund that has done well in the past will continue to do so. Mutual fund investments must be monitored and examined regularly to ensure that they perform as expected by the investor.

Myth: Equity is preferable to debt, and one cannot invest in both.

Fact: False! An investor invests in Mutual Funds to attain specific objectives. These objectives could be long-term or short-term, and how they want to attain them decides whether an equity-oriented or a debt-oriented fund should be chosen. Both equity and debt funds have distinct characteristics. Investors sometimes want to combine the two and choose a 'Dynamic Fund' or a 'Balanced Fund' that can adjust its performance to market conditions. As a result, the concept that one is superior to the other is incorrect. It is dependent on the investor's criteria.

Myth: It would help if you chose the most acceptable track record scheme.

Fact: Past performance alone should not be used as a predictor of future performance. This is because markets and economic conditions are constantly shifting. Therefore, before investing, it is preferable to consider the reasons for the fund's performance, its underlying assets, and the fund manager's experience.

Myth: SIPs are usually preferable to one-time investments.

Fact: When the market is volatile, or you don't have enough funds to invest in a lump sum amount, SIP investing is an excellent choice. A lump-sum investment may be a preferable alternative in a rising market or long-term investing.

Conclusion:

Making informed financial decisions necessitates avoiding mutual fund myths. Now that we've debunked a few fallacies, you may begin your mutual fund investment journey with realistic financial goal roadmaps.

Disclaimer:

The views and investment tips given by the writer on www.snsgroup.in are their own and not that of the website or their management. snsgroup.in advises users to check with certified experts before taking any investment decisions.

Mutual Fund investments are subject to market risks. Read all scheme documents carefully. The past performance of mutual funds is not necessarily indicative of the future performance of the schemes.

It can be hard to understand what "financial freedom" means to different people. Some people think of financial freedom as having the power to buy what they want, when they want it. For many, it could just be getting out of debt. For others, it could be having enough money to retire to do what they want when they grow old. Even though all of these interpretations are correct somehow, they are all only half-baked ideas. In this article, we will guide you through each and every aspect of financial freedom.

What Is Financial Freedom?

Most people want to be financially free at some point in their lives. Often, financial freedom means having enough money and savings to live the way we want to. It means making enough money to retire or do what we want to do without having to work everyday. Financial freedom means that our money keeps multiplying in the coming years. 

The following are some habits that will help you reach your goal of having enough money.

Track how much you spend:

One of the most important things to do to become financially free is to keep track of your spending. The best way to do this is to use a notebook or an excel spreadsheet, although many other methods are also available. Tracking is a big step towards the goal because it makes you more accountable. And it also shows how many unnecessary expenses you make because you buy something on a whim. If anything, an impulse buy is a sign that you have lost control and is an obstacle on your way to having the financial freedom to live the life you want.

Make a promise to live within your means:

Another step to financial freedom is one that many people don't think about. In the beginning, you need to have a mindset that says you should build a solid financial foundation of savings before you spend and invest. People need to think about how they feel about money and how they act when they possess it. Make sure you don't believe that wealth is only for people who make a lot of money. Even middle-class families can move from living on a tight budget to a more comfortable one, as long as they spend less money than they make.

Get a Financial Advisor:  

This is what you should do when you have a lot of money, whether in the form of liquid investments or tangible assets that aren't as easy to turn into cash, get a financial advisor to help you learn and make decisions.

Write down your goals:

You might be trying to get rid of an education loan. You might also be trying to start a business or maybe planning weddings for your kids, retirement, or other things. When you have enough money, these are the things you want to do.

After all, money is just a tool to help you get to your money goals. Without writing down your goals, you won't know how to use your money in the best way. It's time to write down your top five goals for the next 1, 5, 10, and 20 years.

Also, make sure you write down SMART goals when you write down your goals. Specific, Measurable, Achievable, Realistic, and Time-bound goals are what we mean by "SMART” goals. If you want to save Rs. 10 crores by 2050 to pay for your retirement, that's an example of a SMART plan because it's a specific goal that can be reached and is time-bound.

Make A Monthly Budget:

To make sure that all of the bills are paid and that investments and other money-making projects stay on track, you must make a monthly household spending plan and stick to it. Budgeting your money regularly helps you stay focused on your goals and keeps your will-power strong instead of letting yourself be tempted to spend too much.

Spend less money:

People who save money earn money. But it's not the same as if Rs. 1 saved equals Rs. 1 earned. The reason being when you invest that one rupee, you end up making a lot more money.

Now, cutting back on your spending does not mean giving up your current lifestyle or living a simple life. Financial freedom is more about being smart with your money, which can be done differently. Some of the most common ways to cut down on costs is, for instance, to learn how to make delicious food at home, thereby saving your money. Setting up auto-debits so that you don't have to pay late fees on your credit cards is good.

The simple delay of a non-essential item by a few days can help you avoid impulse purchases, which then moves you closer to financial freedom so that you can spend less money.

Start investing now:

Achieving financial freedom means having a source of income that is enough to pay for your family's living costs. It's essential  to start investing at the very beginning for this to happen; remember that investing is the only way to get rich. You will become financially free more quickly if you start early and invest a lot of money now. Investing can stop when you think your money will be enough to pay for rent, food, and other things.

Keep your job moving forward at all times:

There are many ways to become financially free, but one of the fastest ways is to make more money while keeping your spending in check. This means that you have to keep working to improve your job or business.

For example, if you learn new and valuable skills and become more valuable to your employer, your career and income can move faster. If you work for yourself, you have to develop ways to keep your business moving forward.

If you've been letting your job progress happen by chance, now might be a good time to think about how to speed things up. This, in turn, will help you earn more money and get closer to financial freedom.

Understand where you are:

You can't become financially free unless you know where you stand. How much debt you have, how much savings you have, and how much money you need. That's not all. This is a good step in the right direction, though.

All of your debts should be on a list. These debts could be for things like a mortgage or student loans. You could also have a credit card debt or a car loan debt. Don't forget to include any money you've borrowed from friends or family over the years, either.

Check your credit:

Whether or not a person can get loans and how much interest they pay can be based on how good their credit score is. Employers may look at a job applicant's credit history in some states, and insurance companies in some places may use credit to set premiums. Cutting debt and paying your bills on time are two ways to improve a credit score that has gone down. 

Pay off your debt:

There are two main ways to pay off debt. The snowball method is the first one. You pay off the smallest debt first. Check off the first thing on your list, then move on to more significant obligations. There is also the avalanche method of paying off debt, which is when you first pay off the highest amount of debt and then move on to the debts with lower rates.

It's up to you to determine which method works best for you. But majorly getting out of debt is one of the essential steps to becoming financially free.

First, pay yourself:

You may have heard the phrase "pay yourself first." When you "pay yourself first," you put a certain amount of money in your savings account before paying anything else, like bills. When you pay yourself first, you move closer to becoming financially free.

Conclusion:

Financial freedom is critical if you want to accomplish what you want. It will alleviate your financial concerns, as you will have sufficient funds to cover all of your expenses. Financial discipline is necessary on your path to financial freedom. You must avoid squandering your money on frivolous purchases. By following the financial independence ideas in this article, you'll get closer to achieving the financial independence you deserve. Therefore, examine your finances, develop extra sources of income, and pay down that debt.

Disclaimer:

The views and investment tips given by writer on www.snsgroup.in are their own and not that of website or their management. snsgroup.in advises users to check with certified experts before taking any investment decisions.

Mutual Fund investments are subject to market risks. Read all scheme documents carefully. The past performance of mutual funds is not necessarily indicative of future performance of the schemes.

What is Equity investing and is it a Zero-Sum Game? Well, we are going to give you a clear picture of this question, through this blog. First, let's understand what a zero-sum game exactly means. 

What is a zero-sum game? 

Suppose a couple of friends have made a bet on something and one of them wins, which means the first one wins. But it also means another one would subsequently lose his money. The amount of someone's profit is equal to someone's loss. The total of gains and losses adds up to zero. This is an example of a zero-sum game. Similarly, there are a lot of people who view the mode of 'Equity Investing' as a zero-sum game. It basically means that if someone is gaining money from it, someone would have lost it. This popular belief represents the stock market as a gambling den in front of the masses, which brings a sense of skepticism while investing in stocks. 

However, when you view and study the stock market through data analysis, every participant has a proven track record of having made money in the stock market over a longer period, which proves that investing is not a zero-sum game.  

Although stock markets may look like a zero-sum game in the short term, where one trader gains all the money while the other one loses it. Both can't win together in the short run. For example, the Sensex moved up from a level of 1048 in 1990, to nearly 36,000 in 2019, and all investors who stay invested have gained. There is always a sense of security in the long run. 

This has been the discussion about the 'zero sum game' and its benefits in the long run. Now, let's dive into the phenomena of equity investing. 

What is Equity Investing?

The investment you make by purchasing shares of a company in the stock market is Equity Investing. While investing, each investor firmly expects that the value of these shares will grow with time. If the value of equity investment rises, the investor can receive the monetary equivalent of their equity by selling the shares. Another way to use your profit is to strengthen your portfolio by keeping those shares for further enhancement. Also, equities can strengthen a portfolio’s asset allocation by adding diversification. 

What are the basic Benefits of Equity Investing?

One of the biggest benefits of an equity investment is the probability that you can get exponential growth in the value of the principal amount invested. Capital gains and dividends are two forms of profit made by an equity investor. Also, with time, due to inflation, the value of money decreases. The profit made by investing in an asset class fulfils long-term goals such as children’s education and retirement. Investing in equities can help you do so as they can generate inflation-beating returns in the long run. A diversified investment option is offered by the equity fund , which gives the luxury to opt for a minimum initial investment amount. Other investors require much more capital investment to attain the same level of diversification as an equity fund. If a company wishes to raise additional capital in equity markets, the equity investors have the luxury of enhancing the investment through rights shares.

Drawbacks of Equity Investing

Equities tend to be 'inherently volatile'. The prices hugely depend upon several factors which may be internal and external. And the hardest part is to accept the fact that it is beyond any control of retail investors. The swing in prices can be extreme. In such a scenario, patience with a long-term approach is the ultimate key. In the long term, the quantum of volatility comes down by a fair margin.

Why is Long-term Investment beneficial?

While investing in stocks, you are effectively buying companies which keep growing in line with the economy. Over a period when a company's growth enhances, the profit of that company keeps on increasing, which increases the aggregate profit of its shareholders. It's not just a theory, the leading companies in India have consistently grown over the years and their shareholders have reaped an enormous amount of profit from it, and continue to do so. Long term investing is more like growing a tree in your own garden. As long as the tree keeps growing, the fruits available from the tree also keep increasing.  

How can you start equity investing?

Now here lies the real part. After getting all the beneficial set of information regarding why to invest and where to invest, we are moving our focus to the question of 'How to start Investing'

There are two straight ways to invest into an asset class : - Direct Investment through Stocks and Mutual Funds.

Direct Investment through Stocks 

If you opt to invest in equities directly through stocks, you must open a demat account as well as a trading account to begin with. The holding of shares is done by the demat account in an electronic format, and the trading account provides the medium to buy or sell orders along with the broker. The biggest advantage of direct investment is the possibility of substantial growth if you put your money in the right stock. 

To Do's -

• Your call to buy a particular stock should be backed by proper research.
• You should remain up to date in terms of understanding the market trends of late.
• Don't invest straightaway. First try to learn about the stock market and its tiny details through various informative reports or blogs.

Mutual Funds

Over a period, Mutual funds have become a quite popular financial medium for investing. While investing in direct stocks entirely depends upon your own selective skills, mutual funds have a fund manager to pick stocks on your behalf. The market research is done by the manager who keeps on tracking the market movements and makes his mind accordingly. In simpler terms, mutual funds are all about someone else using their expertise to risk on your behalf.

To Do's -

• While investing in an equity mutual fund, always have a look at the fund’s long-term performance. Sometimes, short term benefits attract investors, and eventually become a headache in the long term.
• Always try to gather extensive information regarding the fund's fundamentals before investing in a mutual fund. Also, identify the investment composition of the respective funds. 
• An amount is charged by the fund houses for various fund management costs. This amount is termed as expense ratio. It is low for direct plans and high for regular ones. The higher ratio can minimise your overall profit. Therefore, try to select a plan on the basis of expense ratio .

Our motive, as always, was to provide you with a fair idea regarding the basics of equity investing and how it is done. We hope this blog will be helpful for you in the future, when you would start your investment journey, if you haven't already.

Disclaimer:

The views and investment tips given by writer on www.snsgroup.in are their own and not that of website or their management. snsgroup.in advises users to check with certified experts before taking any investment decisions.

Mutual Fund investments are subject to market risks. Read all scheme documents carefully. The past performance of mutual funds is not necessarily indicative of future performance of the schemes.

With thousands of investment options available in nearly unlimited variants, making an investing selection can be difficult. The sheer volume of accessible options and the high stakes associated with making the correct choice might overwhelm the process.

Simple fundamental rules can provide basic guidance on how to invest. They are beneficial to follow if you want to determine how much money to save, how to grow your money, how to arrange your investments, and how to develop wealth.

Understanding investing

Many people mistakenly believe that saving and investing are synonymous. They are not, in fact. Saving is the portion of your income that you set aside for future consumption. Investing, on the other hand, is the process of taking your resources and putting them to work for you through the purchase of financial instruments or goods such as stocks, bonds, gold, real estate, and even term deposits . Investments earn you money. Dividends may be received if you invest in stocks, interest from bonds, or rent from leased property. This is known as "income gain." Your investment may appreciate in value over time, allowing you to profitably sell. 

Historically, investors have reaped profits over the long run through investments that include some degree of capital risk. This entails the possibility of losing some or all of the money you initially invested. Naturally, these benefits are not guaranteed.

Volatility in the stock market, defined as rapid changes in stock values over a short period of time, is not always a bad thing. Indeed, volatility can occasionally provide investment managers with an opportunity to purchase appealing stocks at a discount and earn a higher rate of return in the long run.

Fundamental Rules That every Investor Must Know

Let's take a look at some fundamental investing thumb rules that help you cut through the complexity and make sound investment selections.

Invest in the long run

Investing should never be regarded as a method to become rich quickly. Investing for at least five years, and preferably much longer, will provide your investments with the best chance of delivering the desired returns. If your investment objectives are short-term, such as two or three years away, you should select the appropriate asset class and invest accordingly. 

Take a look at Your Portfolio.

Over time, the value of your investments will go up and down. This could mean that your asset allocation – how you choose to split your money between different assets, like stocks, bonds, cash, and real estate –  might not be in sync with your investment goals. Because of this, you may need to rebalance your portfolio at different points in time to make sure you're still on track to meet your goals.

Do not make hasty decisions.

The stock market is subjected to unexpected volatility and unpredictability. If you notice that your stock price has dropped quickly, don't panic. The stock is expected to rise again if the company's economic fundamentals are good.  The stock market is rife with a herd mentality, so it's important to make your own well-informed decisions.

Conduct research about the company.

Consider the company's quality first, and subsequently the pricing. To assess a company's quality, you must read financial statements and understand the company’s policies. Then, after you have confidence in the company's quality, the price should be considered. Companies that operate on clear policies and projections frequently yield shoestring results.

Adopt a consistent investment strategy

Throughout history, even the greatest bull runs have experienced panicky moments due to the market's volatility. However, investors that invested consistently, in the appropriate stocks, and patiently hung on to their assets have enjoyed exceptional returns. Thus, patience and a disciplined investment approach are essential, in addition to keeping a long-term broad picture in mind.

Consider the Future of Investment.

Successful investors do not focus on current events. Rather, they spend today in anticipation of what will happen later by monitoring the momentum of a firm or an entire economy and how it interacts with its competitors. 

If you're looking at today or attempting to join the bandwagon of an investment that has already generated short-term gains, you've almost certainly missed the big move. While you should always be on the lookout for the next big winner, you should always anchor your portfolio with strong firms that have a lengthy track record of consistent development.

Diversify Your Investments.

Investing in the stock market has always been about diversifying your portfolio. It is never a smart idea to invest in just one company or one sector. If the firm does not perform well, your investment could lose value. As a result, diversifying your portfolio is always a good idea when it comes to investing.

Investing in a mix of small, mid, and large cap stocks is usually a good idea . You can therefore invest in both stability and growth at the same time by combining all three strategies. Stock market volatility can be mitigated by a strategy known as diversification.

Maintain reasonable expectations.

While there is nothing wrong with expecting the 'best' from your assets, you may find yourself in hot water if your financial goals are founded on implausible assumptions. For instance, some equities have achieved returns in excess of 50% during the previous bull market. This does not mean, however, that you should continually anticipate the same type of return from the stock markets. 

Conclusion

We inhabit a global village. Any significant occurrence, regardless of its location, has an effect on our financial markets. As a result, we must regularly review our portfolio and make the necessary adjustments.

If you are unable to examine your portfolio due to a lack of time or knowledge, you should seek the assistance of a qualified financial planner or someone competent in doing so. Put your money in more secure or less risky instruments such as mutual funds.

Disclaimer:

The views and investment tips given by writer on snsgroup.in are their own and not that of website or their management. www.snsgroup.in advises users to check with certified experts before taking any investment decisions.

Mutual Fund investments are subject to market risks. Read all scheme documents carefully. The past performance of mutual funds is not necessarily indicative of future performance of the schemes.

Investment means to obtain an additional source of income or gain profit from the investment over a specific period of time. In these modern times, knowing how to invest is such a key, as investing money is a skill and mistakes are bound to happen while learning a new skill. However, while dealing with money, the consequences could well be severe. Hence, it is advised not to make those mistakes in the very first place. 

In this blog, we will let you know about the major mistakes a good  investor must stay away from. 

Above all, let's have a look at some of the basic types of Investments, i.e., the tools that can help you achieve your financial goals. 

Basic Tools To Achieve Your Financial Goals

Stocks

It's basically a term to define your share in a company or corporation. When you invest in a stock, you start owning a share of that particular company, depending upon the amount of your stock. Similarly, your profit or loss depends directly upon the success or failure of that company. 

Bonds

A Bond is a loan in exchange for interest payments over a specific period of time. This loan is made by investors to the company.

Mutual Funds and ETFs 

A mutual fund is a professionally managed investment scheme that invests in securities such as stocks, bonds, money market instruments, and other assets using a pool of money collected from several investors.

ETFs exchange-traded funds that generally track a certain index. When you invest in an ETF, you receive a collection of assets that you can purchase and sell during market hours, so possibly reducing your risk and exposure and diversifying your portfolio.

Initial Coin Offerings and Cryptocurrencies  

It's a digital world and digital assets like cryptocurrencies and ICOs are evolving rapidly in the market. They are getting a huge amount of interest from traditional investors as well, and there's a good reason for that. Billions of dollars have been raised through ICO financings and over a thousand different cryptocurrencies are currently available in the market, which makes it highly tempting for investors.

Insurance

It is a contract between the person insured and the insurance company under which the insured's financial risk is covered. The danger may be to your automobile, property, legal matters, etc.

MISTAKES A GOOD INVESTOR SHOULD NEVER MAKE

Not having a fair idea of the Investment 

Whenever you are investing in stocks of a particular company, always make sure you thoroughly understand the dynamics of those stocks. You should also research the patterns of previous performances of those stocks and consider the expert predictions for the future. All in all, your investment in a particular stock should be backed by perfect research. Warren Buffet, widely regarded as one of the most successful investors once claimed, "You should always be cautious before investing in companies whose business models you don't understand."

Lack of Patience 

Probably the biggest mistake one can make as an investor, is to show a lack of patience. A slow and steady approach to portfolio growth has a much higher chance of yielding greater returns in the long run. Expecting rapid growth in a quick time quick time only brings disappointment. An investor needs to keep his/her expectations as realistic as possible, regarding the timeline of a portfolio's growth and returns.

Attempt to time the Market in terms of Results  

Timing the market is a well-known strategy for making decisions regarding buying or selling financial assets by predicting future market prices. Timing the market is pretty similar to expecting the world to be 'ideal'. It is a desire but it's nearly impossible. Attempting to time the market often kills the returns, as successfully timing the market is extremely difficult. Even established investors often fail to do it successfully. Over the years, through various market studies, it has been proved several times that most of a portfolio's return can be influenced by the asset allocation decisions you make, not by attempting to time the market. 

Not evaluating your risk tolerance profile

One's capacity for risk dictates where to invest. The risk-averse investor invests in low- or moderate-risk assets, such as debt instruments, fixed deposits, balanced mutual funds, etc. The strategy is geared toward capital preservation or regular cash flow generation. The aggressive investor, on the other hand, invests the majority of his portfolio in highly volatile instruments in order to gain larger returns by incurring substantial risks. 

Always expecting huge profits from investment

Asset prices are in constant flux. Sometimes these fluctuations are illogical, and other times they are the result of macroeconomic events. As a result of huge investment banks speeding toward insolvency, for instance, there may be a widespread devaluation of stocks. These institutions may need to sell everything as rapidly as possible in order to obtain cash. Additionally, real estate prices vary, with prices falling and then rising again. 

So, these were the potential mistakes an investor is prone to make, particularly at the start of their investing journey. In this blog, we have given our advice regarding the 3 biggest mistakes an Investor should stay away from. We hope you find it useful.

Disclaimer:

The views and investment tips given by writer on snsgroup.in are their own and not that of website or their management. www.snsgroup.in advises users to check with certified experts before taking any investment decisions.

Mutual Fund investments are subject to market risks. Read all scheme documents carefully. The past performance of mutual funds is not necessarily indicative of future performance of the schemes.