#Best Mutual Funds to Invest in 2022 for Long Term

[investoaxis009]

A health insurance policy is a type of insurance that covers medical expenses for illnesses or injuries. The health insurance system helps you stay safe from various diseases. It covers the cost of hospitalization, daycare procedures, home medical care (after hospitalization), ambulance costs, health checkup, doctor consultation fees, etc. Additionally, under section 80D of Income Tax Act, it helps you to get tax benefits against your health insurance premium. It is an essential requirement no matter your age or gender

#star health & allied insurance company limited #Polygon Matic Crypto Price Prediction 2022 #Best Health Insurance Plan in India 2022 #Best Mutual Funds to Invest in 2022 for Long Term

[xtruss]

Stocks Up, Gold Down in Americans' Best Investment Ratings

Real estate continues to lead as the perceived best long-term investment

— By Jeffrey M. Jones | May 15, 2024

Washington, D.C. — Americans continue to rank real estate as the best investment for the long term among six options. Thirty-six percent choose real estate, followed by stocks or mutual funds (22%), gold (18%), and savings accounts or CDs (13%). Relatively few Americans believe bonds (4%) or cryptocurrency (3%) are the best long-term investments.

The percentage of adults choosing real estate is similar to a year ago, but more identify stocks and fewer name gold as the best investment this year. Stocks were last higher than now in 2021, when 26% chose them, while gold has returned to more typical levels after an increase last year.

The latest results are based on Gallup’s annual Economy and Personal Finance survey, conducted April 1-22. Since 2011, Gallup has asked Americans to choose among real estate, stocks, gold, savings accounts and bonds as the best investment. Cryptocurrency was added as an option in 2022.

Real estate has topped the list each year since 2014, with between 30% and 45% (in 2022) selecting it. In 2013, real estate essentially tied for first with gold and stocks; it trailed gold in 2011 and 2012.

Americans’ historical tendency to choose real estate as the best long-term investment is consistent with their usual expectations of rising local home values.

Earlier surveys conducted between 2002 and 2010 that did not include gold as an option typically found real estate or stocks as the top choice. However, several 2008-2010 surveys showed savings accounts finishing first or tied for first. Those Great Recession-era polls were conducted at a time when housing and stock values suffered deep losses, making the security of savings accounts seem attractive for investors.

The recent performance of real estate and stocks likely explains their high position on the list this year. U.S. real estate values are down from the record high in the fourth quarter of 2022, when the median home sale price was $479,500. However, they remain well above the average values from early 2021 and before. Stock values also reached new highs this year, according to the major U.S. stock indices.

Upper and Lower Income Adults Diverge on Value of Stocks, Savings Accounts

Americans at all income levels perceive real estate as a better investment than other options. However, people from different income groups disagree on the value of other investments, most notably stocks and savings accounts.

Whereas 31% of upper-income Americans say stocks are the best investment, 14% of lower-income Americans agree. Lower-income Americans are more likely to pick gold (23%) or savings accounts (20%) than stocks. Just 7% of upper-income Americans believe savings accounts are the best choice for investors.

Beyond variations among income groups, there is a consistent political party difference in perceptions of gold’s value. Currently, 27% of Republicans pick gold as the best investment, compared with 7% of Democrats and 18% of independents. Last year, a trend-high 38% of Republicans named gold, compared with 12% of Democrats and 27% of independents.

In each year of the trend except 2013, Republicans have been significantly more likely than Democrats to say gold is the best investment. However, the gap between Republicans and Democrats has widened significantly since 2020.

During the past five years, Republicans have also diverged from independents in views of gold. Between 2012 and 2019, Republicans and independents were about equally likely to choose gold as the best investment.

Members of almost every key subgroup are more likely now than a year ago to say stocks are the best investment and less likely to say gold is. The major exception to these patterns is found among Americans aged 55 and older, whose opinions are unchanged from a year ago.

Stock Ownership Holding at Higher Level

Gallup’s annual update finds that 62% of U.S. adults have money invested in the stock market, including individual stocks, a stock mutual fund or a retirement savings account. The figure is essentially unchanged from last year but reflects a return to stock ownership levels not seen since the Great Recession in 2008.

Stock ownership is highly correlated with income. The vast majority (87%) of upper-income Americans, those with annual household incomes of $100,000 or more, own stock. That compares with 25% of lower-income Americans (those whose annual incomes are less than $40,000). About two-thirds of middle-income Americans, 65%, own stock.

Bottom Line

For most of the past two decades, real estate values have grown, and those increases were especially large between 2021 and 2022. As such, it is not surprising that Americans have consistently believed real estate is the best long-term investment, even though other sources, particularly stocks, have also shown steady growth over time.

Stock values reached record levels earlier this year, and those higher values help explain why more Americans than a year ago think stocks should be the top choice for investors. The increase has come mainly at the expense of gold, which briefly was the top pick in 2011 and 2012 when real estate and stocks weren't performing as well as now.

#Economy #News.Gallup.Com #Best | Investment | Ratings #Stock | Gold | Up & Down #USA 🇺🇸 #All Gallup #Headlines #Business #Business & Industry #Investors #Trade & Investment

[hisureshkumar]

10 Best Mutual Funds for Next 10 Years

One of the best ways to create wealth is to invest in mutual fund schemes. In the medium to long term, these can fetch good returns. However, investors should consider selecting funds based on their financial goals, risk appetite and tenure of the investment.  In this article we would provide the list of 10 Best Mutual Funds for Next 10 years to invest in India.

Why to invest in Mutual Funds?

Before getting into the specific list of mutual funds to invest for next 10 years, let us understand the fundamentals of mutual funds. While there are several investment options, mutual funds has been gaining prominence in the last few years. Some of the mutual funds have generated 10x to 12x returns in the last 10 years. Mutual Funds pool money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities, managed by professional fund managers.

What are the benefits of investing in mutual funds?

- Diversification: Mutual Funds does not invest in single stock or bond. They spread the investment across various assets which helps to reduce the risk. - Professional Management: Expert fund managers make informed investment decisions on your behalf. - Liquidity: Investors can buy and sell mutual fund units based on NAV (Net Asset Value) at any given point of time except where there is lock-in period. - Transparency: Fund houses keeps providing updates on the portfolio. - Affordability: Investors can invest as low as Rs 500 in mutual funds. In some funds they can invest even as low as Rs 100.

What is the Economic Outlook for India?

Before identifying the best mutual funds for the next 10 years, let's assess the economic landscape of India and key factors shaping its growth. - Demographic Dividend: With a young and dynamic population, India enjoys a significant demographic advantage, fueling consumption and economic growth. - Infrastructure Development: Government initiatives and investments in infrastructure projects aim to enhance connectivity, spur economic activity, and attract investments. Our recommended Infrastructure mutual funds in 2022 have doubled in the last 2 years. - Digital Transformation: The rapid adoption of digital technologies is revolutionizing various sectors, boosting efficiency and innovation. - Emerging Sectors: Industries such as renewable energy, healthcare, and e-commerce present lucrative opportunities for investors, driven by evolving consumer preferences and technological advancements.

Best Mutual Funds for Next 10 Years to Invest in India:

Now, let's explore the top 10 mutual funds to invest for next decade, considering factors such as historical performance, fund management expertise, and investment strategy. We have provided 2 table, one based on annualized returns and second based on SIP returns. One can use them like a model mutual fund portfolio for investments.

Best Mutual Funds for Next 10 Years – Annualised Returns

Category Mutual Fund Name 3 Yrs 5 Yrs 10 Yrs Index / Largecap UTI Nifty 50 Index Fund 16.2% 14.8% 13.8% Index / Largecap UTI Nifty Next 50 Index Fund 23.2% 19.0% NA Index / Largecap Nippon India Largecap Fund 26.8% 18.8% 18.4% Index / Largecap Baroda BNP Paribas Large Cap Fund 19.8% 18.0% 16.2% Midcap / Smallcap Quant Mid Cap Fund 38.3% 35.3% 21.9% Midcap / Smallcap SBI Small Cap Fund 25.4% 26.8% 27.2% Flexicap Parag Parikh Flexi Cap fund 22.7% 24.5% 20.0% Flexicap Quant Flexicap fund 32.5% 32.0% 24.3% Hybrid ICICI Prudential Equity & Debt Fund 26.2% 26.0% 19.8% International Motilal Oswal Nasdaq 100 FoF 12.0% 21.8% NA

Best Mutual Funds for Next 10 Years – SIP Returns

Category Mutual Fund Name 3 Yrs 5 Yrs 10 Yrs Index / Largecap UTI Nifty Index Fund 15.8% 18.0% 14.3% Index / Largecap UTI Nifty Next 50 Index Fund 30.5% 25.7% NA Index / Largecap Nippon India Largecap Fund 28.0% 26.7% 18.3% Index / Largecap Baroda BNP Paribas Large Cap Fund 24.4% 22.8% 17.0% Midcap / Smallcap Quant Mid Cap Fund 42.2% 42.6% 26.5% Midcap / Smallcap SBI Small Cap Fund 25.8% 30.1% 23.6% Flexicap Parag Parikh Flexi Cap fund 24.7% 26.8% 20.9% Flexicap Quant Flexicap fund 34.0% 38.0% 25.4% Hybrid ICICI Prudential Equity & Debt Fund 26.2% 26.8% 19.1% International Motilal Oswal Nasdaq 100 FoF 19.2% 19.9% NA

Investment Strategies for Long-Term Growth:

While selecting mutual funds for the next 10 years, it's crucial to adopt a disciplined investment strategy aligned with your financial goals and risk tolerance. - Asset Allocation: Diversify your portfolio across asset classes to mitigate risk and enhance returns. - Systematic Investment Plan (SIP): Invest regularly through SIPs to benefit from rupee cost averaging and harness the power of compounding. One can easily make out 1 Crore with 5,000 per month SIP investments. - Stay Informed: Keep an eye on market developments, economic indicators, and fund performance to make informed investment decisions. - Review and Rebalance: Periodically review your investment portfolio and rebalance it to maintain optimal asset allocation and adapt to changing market conditions.

FAQs (Frequently Asked Questions):

To address common queries regarding mutual fund investments, here are some frequently asked questions along with detailed answers: 1. What are the key factors to consider when selecting mutual funds for long-term investment? First step is to consider financial goal, risk appetite and tenure of investment. As a second step, when selecting mutual funds for long-term investment, consider factors such as historical performance, fund manager expertise, investment strategy, expense ratio, and risk-adjusted returns. 2. How can I assess the risk associated with mutual fund investments? You can assess the risk associated with mutual fund investments by analyzing factors such as the fund's investment objective, asset allocation, portfolio diversification, and historical volatility. 3. Is it advisable to invest in sector-specific mutual funds for long-term growth? Investing in sector-specific mutual funds can be risky as it exposes your portfolio to concentration risk. It's advisable to opt for diversified equity funds with exposure to multiple sectors for long-term growth. 4. What role does inflation play in mutual fund investments? Inflation erodes the purchasing power of money over time, affecting the real returns on your investments. It's essential to choose mutual funds that offer returns exceeding the inflation rate to preserve and grow your wealth. Investors should periodically check and should not end up in investing in bad funds which we indicated in our Worst Performing Mutual Funds in the last 10 year. 5. How often should I review my mutual fund investments? It's recommended to review your mutual fund investments periodically, typically every six months to a year, to ensure they remain aligned with your financial goals and risk tolerance. Make adjustments as necessary based on changes in market conditions or your investment objectives. 6. Can mutual funds help me achieve my long-term financial goals such as retirement planning? Yes, mutual funds can play a crucial role in helping you achieve long-term financial goals such as retirement planning by offering the potential for capital appreciation and regular income through systematic investments over time. They should also build strategy and opt for Two Bucket Strategy of Investment which can help them to get maximum benefit. Conclusion: In conclusion, selecting the best mutual funds for the next 10 years requires careful consideration of various factors, including economic outlook, fund performance, and investment strategy. By diversifying your portfolio across equity funds, adhering to a disciplined investment approach, and staying informed about market trends, you can build a robust investment portfolio geared towards long-term growth and wealth creation. Read the full article

#10MutualFundsforNext10Years #MutualFunds #MutualFundstoinvestfornextdecade #TopMutualFundsfornext10years

[finance5paisa]

All You Need to Know About Parag Parikh Flexi Cap Fund

If you're looking to diversify your investment portfolio with equity funds, the Parag Parikh Flexi Cap Fund stands out as an option that offers both diversity and long-term capital growth. The fund has performed well over different time frames and is managed by a team of experts. In this article, we will look into all essential aspects to guide your decision on whether to invest in Parag Parikh Flexi Cap Fund.

Detailed Current Performance Metrics

Net Asset Value (NAV): As of 29th August 2023, the NAV stands at ₹60.51.

Historical Returns: Over the past year, the fund has generated returns of 24.3%. Its three-year returns are at 17.09%, and over five years, it has returned 20.93%.

Comprehensive Investment Strategy

What sets the Parag Parikh Flexi Cap Fund apart is its investment strategy. It invests in a mix of large-cap, mid-cap, and small-cap stocks.

Risk Mitigation: By diversifying across different types of stocks, the fund reduces the risk associated with market volatility.

Selection Criteria: The fund selects companies with good business models and strong management teams, emphasizing value investing.

Asset Allocation

Domestic Equities: These make up 69.16% of the fund. Within this, the majority is in large-cap stocks (49.26%), followed by small-cap (6.19%) and mid-cap (3.99%).

Foreign Equities: This makes up 29.84% of the fund, allowing for some global diversification.

Debt: A small portion (0.99%) is invested in debt, providing some cushion against equity market volatility.

Detailed Fee Structure

Costs related to the funds can reduce your profits, so it's essential to understand the fee structure of every mutual fund. Here is the detailed fee structure of Parag Parikh Flexi Cap Fund:

Expense Ratio: The fund has an expense ratio of 0.68%, which is comparatively lower than many other equity funds.

Exit Load: While there's no entry load, an exit load of 2% applies if you withdraw within 365 days, and 1% if withdrawn after 365 days but before 730 days.

Experienced Fund Management

A good fund is often the result of good management. The fund is managed by a team of experts, including Rajeev Thakkar, who has over two decades of experience in investments. The team’s expertise can be a major asset for investors who have already invested in this fund or are thinking about investing in the same.

Specific Minimum Investment Requirements

Starting your investment journey with this fund is pretty straightforward.

Lump Sum: You can start with a one-time investment of Rs. 1,000.

SIP: If you prefer spreading out the investment, SIPs start at Rs. 100.

Achievements and Awards

A fund's accolades and recognition can serve as a testament to its quality. Here are some of the accolades received by the Parag Parikh Flexi Cap Fund:

The fund has been rated as the "Best Flexi-Cap Fund" by Morningstar India in 2022.

It also received the "Best Large & Mid-Cap Fund" by Moneycontrol in 2022.

Value Research rated it as the "Best Flexi-Cap Fund" in 2021.

Final Words

Investing in mutual funds requires careful consideration of various factors, including performance, strategy, and fees. The Parag Parikh Flexi Cap Fund presents a mix of these elements. With a diversified approach to asset allocation across domestic and foreign equities and a nominal portion in debt, the fund has demonstrated consistent performance over different periods.

While the fund has received multiple awards, it's important to note that past performance is not indicative of future results. As with any investment, it's essential to align the fund’s offerings with your own financial goals and risk tolerance before making a decision.

#Parag Parikh Flexi Cap Fund

[fbnquest]

Best Mutual Funds to Invest

A mutual fund is a professionally managed investment product that pools funds from many investors to purchase a portfolio of assets including bonds, stocks and other securities. With the growing popularity in recent years, mutual funds are a great choice if you wish to diversify your assets while minimising risks and increasing your earnings. Some of the best mutual funds to invest in Nigeria are offered and managed by FBNQuest, the capital and asset management subsidiary of FirstBank of Nigeria plc. In this article, we rank the top mutual funds in today’s capital market in Nigeria, as well as why you should consider investing in mutual funds. Let’s begin!

Why invest in Mutual Funds? Mutual funds come with great benefits for investors. Here are 2 reasons why you should add a mutual fund to your portfolio.

Diversification

Mutual funds have a built-in diversification strategy, a single fund typically invests in a wide mix of asset classes, ensuring that risk is minimised if any one of the assets should experience a market swing.

Professional management

Mutual funds have an active fund manager who is responsible for conducting research and selecting which securities the funds will be invested in. This set-up makes mutual funds highly attractive as your asset can be managed by an expert for a much lower cost than if you had to hire a brokerage firm.

Affordability & liquidity

Mutual funds usually have very low investment amount requirements which makes them accessible to all kinds of investors. Mutual funds are also easy to sell making it less complicated to redeem your funds.

How to select the Best Mutual Funds to Invest in Nigeria When searching for the best mutual fund to invest in, it is important to first consider the following:

What are investing goals and risk tolerance? Understand the fund’s investment strategy and management approach Research performance and pricing history of the fund Pick a fund backed by a reputable financial company Choose a fund with affordable operation fees Best Mutual Funds to Invest in Nigeria Ranked Here is our list of the best mutual funds to invest in, ranked based on their performance history over the years and the most current year-to-date return reported by September 2022.

1 – FBN Bond: YTD (11.49%)

The FBN Bond Fund provides access to a diverse portfolio of federal and state government bonds as well as corporate bonds from highly rated organisations. What makes this mutual fund one of the best to consider is that it preserves a high degree of liquidity while maximising returns. The initial investment sum for this fund is N50,000 with annual dividends paid to the investor. FBN Bond Fund has had a stable performance and price history with a Year-to-Date return of 11.49% reported on September 29th 2022.

2 – FBN Halal Fund: YTD (11.47%)

The FBN Halal is one of the best mutual funds to invest in if you’re a Shari’ah-compliant investor. With this fund, you have the advantage of investing in assets that adhere to Shari’ah religious and moral norms while enjoying competitive returns that are equivalent to counterpart conventional funds. FBN Halal fund has a starting investment sum of N5000 and is great for long-term income generation. The fund has had a stable performance and price history with a Year To Date return of 11.47% reported on September 29th 2022

3 FBN Money Market: YTD (10.36%)

FBN Money Market Fund is an excellent short-term mutual fund that invests in treasury bills, commercial papers, banker’s acceptances, and certificates of deposits issued by rated Nigerian banks. The fund requires an initial investment sum of N5,000 and has a stable performance and price history. The Year-To-Date return by September 2022 was 10.36%.

4 FBN Balanced Fund: YTD (10.24%)

FBN Balanced Fund is among the best mutual funds to invest in as it manages risk by balancing funds across a diverse range of assets classes including stocks from high-quality Nigerian companies, long-term debt instruments from Federal and State governments, as well as high-yield money market securities such as Treasury Bills, and Commercial Papers. The initial investment sum for this fund is N50,000 with dividends paid annually. The fund has had a stable performance and price history with a Year To Date return of 10.24% reported on September 29th 2022.

Invest in the Best Mutual Funds in Nigeria FBNQuest offers some of the best mutual funds to invest in for short, medium and long-term financial goals. Our market-leading mutual funds are managed by seasoned fund managers and have seen impressive returns over the years. To learn more about our fund performances, click here. You can also request a member of our team to contact you and help start your mutual fund investment journey by filling out this form.

Contact Us :

Call us at 01-2801340-4 Mail to: [email protected] Address : Lagos 16 Keffi Street, Off Awolowo Road, S.W. Ikoyi, Lagos, Nigeria

#Mutual Funds to Invest #mutual funds

[faujiwealth]

WHY SHOULD YOU NOT GIVE UP ON TECHNOLOGY FUNDS JUST YET

Up until 2021, Technology Funds gave investors astounding returns, some even receiving >90-100% returns. Even though 2021 saw a long bull run, wherein all funds, even the poorest performing funds in their respective categories, gave fantastic returns to investors, making everyone happy and drawing in many first-time investors also to dip their toes into the equity market pool. But come 2022, when the bull run ended, even the best funds in their respective categories failed to give returns, and first-time and short-term investors saw their savings plummet. 

Technology mutual fund as a sector is one that everyone can bet on, given the evergreen nature of the type of companies these funds invest in. Technology funds invest in stocks belonging to IT, Technology, and related industries. Since the pandemic hit us, even the most archaic companies had to modernize and come to terms with new technology and had to adapt to stay afloat.

Many new companies using technology to make the lives of consumers comfortable were also born during this time and grew exponentially. So given the nature of these funds, why has the sector not given any returns, let alone negative returns in the past months? Why shouldn’t the investors stop investing in these and run away with whatever is left of their investments?

The answer lies in numerous factors, like exposure to foreign equity holdings for starters. Many global tech companies have seen a general correction after a higher-than-usual growth spurt driven by the pandemic, and lower-than-expected results of Infosys have added salt to the injuries. Also, as high inflation persists globally, many global tech firms have cut their advertising spending in order to save costs, and hence their profits are impacted as most of these tech giants run on advertisement fuelled growth.

The point is, there are many factors that have impacted the short-term performance of technology funds, but the market sentiment has been that the technology sector returns will start improving sooner if not later. And investors willing to take risks and add some diversity to their portfolios should capitalize on this correction. Small Cap funds have been the driving force for many investors’ portfolios, but in the long haul, technology funds seem to have outperformed them, making technology funds a must-have (but not the only thing) in one’s portfolio. 

But what should the investors do?

1. Never concentrate all your investments in one very good category or fund, the mistake many new investors make upon seeing outstanding short-term returns from a fund

2. If an investor is risk-averse, investing in flexi-cap funds instead of sector funds is a better method to diversify investments, as flexi-cap funds invest in a multitude of sectors and track the market situation better than a part-time investor

3. Do not stop investing in technology funds or book your losses just yet because the sector is not doing well. Be patient, and once the market recovers like it always does, you will start seeing returns as you would have purchased more units for a cheaper price. Continue your SIPs and hold onto your old investments.

These suggestions are not some sort of ground-breaking mantras, but something every advisor guides their investors with. It is the job of an advisor to guide their investors, help them manage their emotions, and be patient when the investing market waters are turbulent. So hold on and tighten your seatbelts, as every phase in this market is temporary.

Reach out to Fauji Wealth if you have any suggestions or feedback on our article or wish to discuss it further.

View Source: - https://faujiwealth.in/f/why-should-you-not-give-up-on-technology-funds-just-yet

[libramonthlyhoroscope1]

ETFs

There are a variety of tax-advantaged saving plans for U.S. investors to save for retirement. These include 401(k) accounts, individual retirement accounts (IRAs), and Roth IRAs. Many investors favor a Roth IRA because, while they are funded with after-tax dollars, the money can be withdrawn on a tax-free basis provided that certain conditions are met.1

Like other retirement accounts, Roth IRAs are used largely for long-term buy-and-hold investing. A primary reason for this approach is that retirement accounts are designed to accumulate wealth over the long term for retirement. Thus, people investing in a Roth IRA typically have a similar long-term time horizon.

ETFs

Given this approach, Roth IRA investors may be best off by selecting a small number of inexpensive core funds to provide broad exposure to multiple asset classes. Three categories that together offer this type of broad exposure are U.S. stocks, bonds, and global investing. One way for investors to gain exposure to these three categories is exchange-traded funds (ETFs), which are a type of pooled investment security that operates much like a mutual fund. But unlike mutual funds, ETFs can be purchased or sold on a stock exchange the same way that a stock can.

For this story, we will look at the best ETFs in each of these categories. ETFs are especially appropriate investment vehicles to consider for Roth IRAs because these funds are typically designed to be low-cost and diverse.

KEY TAKEAWAYS

Roth individual retirement accounts (Roth IRAs) are tax-advantaged retirement accounts appropriate for long-term investment strategies.

Three categories that together offer Roth IRA investors broad exposure are U.S. stocks, bonds, and global investing. Exchange-traded funds (ETFs) are a good way for investors to gain exposure to these three categories.

The best U.S. stock ETFs for Roth IRAs are funds in a seven-way tie: IVV, VOO, SPLG, SPTM, ITOT, VTI, and BKLC.

The best bond ETF for Roth IRAs is BKAG.

The best global investing ETF for Roth IRAs is SPDW.

Investopedia’s methodology for selecting the best ETFs for Roth IRAs was based on a search of ETF Database for funds that trade in the United States, and then for funds tracking major market indexes for each of three categories: U.S. stocks, bonds, and global investing. All data below are as of March 13, 2022, except where indicated.

Best U.S. Stock ETF(s) for Roth IRAs: Multi-Way Tie

Best S&P 500 ETFs: iShares Core S&P 500 ETF (IVV), Vanguard S&P 500 ETF (VOO), SPDR Portfolio S&P 500 ETF (SPLG)

Best total market ETFs: SPDR Portfolio S&P 1500 Composite Stock Market ETF (SPTM), iShares Core S&P Total U.S. Stock Market ETF (ITOT), Vanguard Total Stock Market ETF (VTI)

Morningstar U.S. Large Cap ETF: BNY Mellon U.S. Large Cap Core Equity ETF (BKLC)

The funds listed above represent some of the best U.S. stock ETFs across subcategories that include the S&P 500 Index and total market exposure. All of the funds listed above have an expense ratio of 0.03%, except for BKLC, which has an expense ratio of 0.00%.2345678

In recent years, common index fund providers have engaged in a major price war to entice customers. This means that investors luckily have access to a large number of extremely inexpensive ETFs. In addition to offering similarly low prices, the stock funds listed above are in a seven-way tie because the general options that they offer investors are similar. This means that an investor’s choice may come down to which of these funds is most easily available based on their preferred broker.

As mentioned, some of the funds above track slightly different indexes across subcategories. Investors should decide if they want to track the S&P 500, which is exclusively large-cap stocks, or a total or broad market index, which offers more exposure to small-cap and midcap stocks.9 The latter may bring a bit more volatility to portfolios but also adds diversification.

The final fund listed above, BKLC, is notable because it is a zero-cost fund. It tracks a significantly smaller index of large-cap stocks, with just under 229 holdings compared to more than 500 for the S&P 500. Still, those roughly 200 stocks make up about 70% of available market capitalization, whereas the S&P 500 makes up about 80%. As a result, the difference in exposure is not as large as it may appear to be. Still, investors have reason to be cautious about BKLC. It launched in 2020, meaning that it is largely untested, and it is unclear how this relatively smaller portfolio will perform over a longer term.98

Best Bond ETF for Roth IRAs: BKAG

Expense Ratio: 0.00%

Assets Under Management: $256.5 million

One-Year Trailing Total Return: -2.35%10

12-Month Trailing (TTM) Yield: 1.61% (as of March 11, 2022)

Inception Date: April 22, 20201112

The BNY Mellon Core Bond ETF (BKAG) aims to track the performance of the Bloomberg Barclays US Aggregate Total Return Index, which offers broad exposure to the overall U.S. bond market. The passive ETF’s primary portfolio managers are Gregory Lee and Nancy Rogers, who have managed the fund since it was founded in 2020.11

As of Feb. 28, 2022, BKAG has roughly 2,112 holdings with a weighted average maturity of 8.69 years. Broken down by industry as defined by BNY Mellon, about 40.31% of the portfolio is Treasurys, followed by 27.79% agency fixed rate, with the remaining third in banking, consumer noncyclical, communications, tech, and other areas. All of the ETF’s bonds are investment grade, including 72.71% rated AAA and 14.72% BBB, with the remainder of the portfolio made up of AA and A debt.11

Bonds and stocks work together in a portfolio to manage risk, with bonds generally considered to be less risky than stocks. The proportion of each will depend on factors that include how far an investor is from retirement and how risk-averse that investor is. The traditional investing approach has been to build a portfolio with 60% stocks/40% bonds. But many investors recently have advised allocating a larger percentage of a portfolio to stocks. The thought is that a higher percentage of stocks will increase performance while only slightly increasing risk for most of an investor’s career, unless that investor is quite close to retirement. For this reason, many investors allocate only 10% or less of a portfolio to bonds while young, and even only 10% to 20% into middle age.

Best Global Investing ETF: SPDW

Expense Ratio: 0.04%

Assets Under Management: $12.0 billion

One-Year Trailing Total Return: 1.84%13

12-Month Trailing (TTM) Yield: 3.24%14

Inception Date: April 20, 200715

The SPDR Portfolio Developed World ex-US ETF (SPDW) aims to track the S&P Developed Ex-U.S. BMI Index, an index composed of publicly traded companies domiciled in developed countries outside of the U.S. As of March 13, 2022, the fund has 2,409 holdings. Among the invested funds, 17.47% are allocated to financials stocks, followed by 16.07% to industrials and 10.79% to consumer discretionary names. Japan-based stocks make up 21.6% of the fund’s portfolio, by far the largest share, followed by the United Kingdom, Canada, France, and Switzerland.15

Global investing funds help to diversify a portfolio so that an investor need not rely exclusively on the U.S. economy. If the U.S. is not doing well, investing in other countries that are growing can help a portfolio to better weather the volatility.

SPDW was tied with the BNY Mellon International Equity ETF (BKIE), according to Investopedia’s methodology. However, SPDW has significantly better liquidity, meaning that trading costs are potentially lower. However, BKIE still may have enough liquidity for most small investors. So if your preferred broker offers that fund instead of SPDW, it may be one option worth considering. Both funds are limited to developed markets, which are generally less risky and volatile than emerging market stocks. If you are looking for a global investing fund that includes both developed and emerging markets around the world, the cheapest option is the Vanguard Total World Stock ETF (VT).161517

The Bottom Line

U.S. stock and bond ETFs provide a balance of risk and stability to a Roth IRA portfolio, while global investing funds diversify a portfolio beyond the U.S. in case of U.S. economic turmoil. ETFs, which trade like stocks and are generally low cost, are an efficient way for investors to access these large investment categories. Regarding stock ETFs, there are seven equities funds that are tied as being the best choice for a Roth IRA. The best bond ETF for Roth IRAs is BKAG, while the best global investing ETF is SPDW. Buying one fund from these three categories will enable Roth IRA investors to maximize returns over the long term while limiting risk.

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[thegainers]

Easy Ways to Boost Your Financial Situation in India in 2023

What's up, pals! My blog is dedicated to helping you improve your financial situation and reach your goals. In this article, I'll share some basic strategies for bolstering your financial situation in India in the year 2023.

It's always a good idea to take stock of one's finances at the start of a new year and make any necessary adjustments that will allow one to save more, invest wisely, and pay down debt. In 2023, you can take these measures to better your financial situation.

Sometimes it is not possible to do it on your own, look out for the best portfolio management service and follow the practices with professionals.

Set a budget and track your expenses: One of the first things you should do if you want to improve your financial situation is to track your spending. Monthly income and expenditures can be tracked with the help of a spreadsheet or mobile app. As a result, you'll be able to pinpoint areas in which you might reduce spending to free up funds for savings and investment.

Invest early and regularly: The earlier you begin investing, the more time you give compound interest to work for you, increasing your initial investment's growth rate. Depending on your tolerance for risk and your long-term financial objectives, you may choose to put your money into mutual funds, equities, bonds, gold, etc. 

Increase your health insurance cover: The lessons of the covid-19 pandemic are clear: health insurance is crucial. If you are unprepared, medical bills can quickly deplete your funds and force you into serious debt. You and your loved ones need to be covered by a health insurance policy worth at least Rs 25 lakh.

Prepay your home loan if possible: You can save a ton of money on interest by prepaying as much of your mortgage as possible. The rising interest rate on home loans from 6.7 percent in 2019 to 8.65 percent in 2022 would boost your monthly principal and interest payments. 

The following are some easy things you can do in 2023 India to better your financial situation. If you did, then my goal in writing it was met. Please use the comment box below to share your thoughts and questions. Your attention is appreciated.

#portfolio management #investment portfolio #portfolio management services #Portfolio Managers

[iraempirecom]

Roth IRA: Everything You Need to Know (2023)

A Roth IRA (Individual Retirement Account) is a type of retirement savings account that allows individuals to contribute after-tax income and then withdraw the money tax-free in retirement. The contributions to a Roth IRA are not tax-deductible, but the account grows tax-free, and there are no taxes on withdrawals in retirement. This can make a Roth IRA a good choice for people who expect to be in a higher tax bracket in retirement than they are currently. The contributions to a Roth IRA are not tax-deductible, but the account grows tax-free, and there are no taxes on withdrawals in retirement. There are income limits for contributing to a Roth IRA, and the maximum annual contribution limit is subject to change each year. In 2021 and 2022, the contribution limit for individuals under age 50 is $6,000, while those aged 50 and over can contribute an additional $1,000 as a catch-up contribution.

Roth IRA Rollover Restrictions & Limitations:

Source A Roth IRA rollover is a transfer of funds from one Roth IRA account to another, or from a traditional IRA to a Roth IRA. There are some restrictions that you should be aware of when considering a Roth IRA rollover: Eligibility: Not everyone is eligible to make a Roth IRA rollover. To be eligible, you must have income below certain limits. For 2022, the income limits for a Roth IRA rollover are $140,000 for single filers and $208,000 for married filing jointly. Taxes: When you roll over funds from a traditional IRA to a Roth IRA, you will have to pay taxes on the amount that is converted. This can be a significant amount, so it's important to consult with a financial advisor to determine if a Roth IRA rollover is right for you. Timing: There are certain timing restrictions that apply to Roth IRA rollovers. For example, you cannot roll over funds from a traditional IRA to a Roth IRA if you have already taken a distribution from the traditional IRA in the same year. Limitations: There are also limitations on the amount you can rollover from a traditional IRA to a Roth IRA. For 2022, the maximum amount you can rollover is $6,000 if you are under age 50, or $7,000 if you are age 50 or older. The 5-year rule: When you make a Roth IRA rollover, you must wait five years before you can withdraw the funds without penalty. This is known as the "5-year rule." If you withdraw funds before the five-year period is up, you may be subject to a penalty. Contribution limits: It's important to note that a Roth IRA rollover does not count toward your annual contribution limit for Roth IRAs. For 2022, the contribution limit for Roth IRAs is $6,000 if you are under age 50, or $7,000 if you are age 50 or older. Employer plan rollovers: If you are rolling over funds from an employer-sponsored plan, such as a 401(k), there may be additional restrictions and limitations. It's important to consult with a financial advisor to determine the best course of action for your specific situation. Withdrawals from a traditional IRA before age 59 1/2 are subject to a 10% early withdrawal penalty unless you qualify for an exception. You can withdraw Roth IRA contributions at any time tax- and penalty-free. However, earnings may be subject to taxes and penalties if you withdraw them before age 59 1/2. It's important to consult with a financial advisor or tax professional before making any decisions regarding IRA rollovers or self-directed IRAs, as they can have significant tax implications.

Roth IRA Companies:

There are many companies that offer Roth IRA accounts, including: Vanguard Roth IRA: It is a popular investment firm that offers a wide range of investment products, including Roth IRAs. Vanguard offers low-cost investment options and has a good reputation for long-term investment strategies. Vanguard offers a variety of investment options, including stocks, bonds, and mutual funds. Fidelity Roth IRA: It is a well-known financial services company that offers Roth IRAs with no account fees or minimums. Fidelity offers a wide range of investment options, including mutual funds, ETFs, and individual stocks. Fidelity also offers robust educational resources and tools to help investors make informed decisions. Charles Schwab Roth IRA:

It is a popular investment firm that offers Roth IRAs with low fees and a wide range of investment options. Charles Schwab offers investment options including mutual funds, ETFs, and individual stocks. Schwab also offers a variety of educational resources and tools to help investors make informed decisions. TD Ameritrade Roth IRA: It is a well-known brokerage firm that offers Roth IRAs with no account fees or minimums. TD Ameritrade offers a wide range of investment options, including mutual funds, ETFs, and individual stocks. TD Ameritrade also offers a variety of educational resources and tools to help investors make informed decisions. E*TRADE: It is an online brokerage firm that offers Roth IRAs with low fees and a variety of investment options, including mutual funds, ETFs, and individual stocks. E*TRADE also offers a range of educational resources and tools to help investors make informed decisions. Robinhood:

It is an online brokerage firm that offers Roth IRAs with no account fees or minimums. Robinhood offers a variety of investment options, including individual stocks, ETFs, and cryptocurrencies. Robinhood also offers a range of educational resources and tools to help investors make informed decisions. Each of these companies offers Roth IRA accounts with various features and investment options. It's important to do your research and compare fees, minimum investment requirements, investment options, and other features to find the Roth IRA provider that best fits your investment goals and needs.

Can You Invest in Gold with Roth IRA?

No, Roth IRAs don't permit investments in gold. However, it's always best to dedicate a certain portion of your portfolio to precious metals such as gold and silver. They have a history of being stable and reliable investments. Gold and silver (and other precious metal investments) have helped investors preserve their wealth, especially in economic downturns. Furthermore, the SVB bank collapse has shown investors that conventional investment methods might carry higher risk than they expect. This is why, there is a boom in precious metals investments. Another prominent advantage of gold is it has grown substantially in value over the years. There are plenty of companies that specialize in helping investors buy and hold precious metals using their IRA. If you're interested in learning more about Gold IRAs, you can check out our top gold IRA companies of 2023.

What is Roth IRA?: Summary

Roth IRA is a valuable retirement savings option that offers tax advantages, flexibility, and the potential for long-term growth. It is particularly beneficial for individuals who anticipate being in a higher tax bracket in retirement. Also, it can be great for those who want to diversify their tax burden. While there are income limits and eligibility criteria to consider, Roth IRA can be a valuable addition to a retirement savings portfolio. As with any investment decision, it is important to consult with a financial advisor to determine if it aligns with your individual financial goals and circumstances. For wealth preservation, you can rollover your funds to a gold IRA as well. There are plenty of experienced companies that can help you with this process. You can learn more at our best gold IRA companies page. Read the full article

[personal-finance-india]

Top 10 Money investment ideas in India for 2023

Every investor seeks the Best Investment Ideas in India that will provide the highest return in the shortest amount of time while posing the least amount of risk. Some people invest to achieve specific investment goals, while others invest to achieve financial security.

Let's take a quick look at the top 10 money investment ideas in India for 2023, which are divided into three categories: short- term, medium-term and long-term.

Read: Family financial plan- 7 steps of Financial planning for families

 Best Short Term Investment Options

Short-term objectives necessitate that investments be easily accessible.

Bank Fixed Deposits (FDs)

FDs provide fixed returns over the tenure of the investment. Profits are paid out monthly, quarterly, or annually. Annual interest rates on FDs range from 6.5% to 7%. FDs are available in a variety of tenures (7days - 10 years).

Chit Funds

A chit fund is based on a rotating savings and credit association system. Chit fund schemes can be organised by financial institutions or take place informally between friends, relatives, or neighbours.

Chit funds serve as both an investment and a borrowing tool.

Read: How Does The Money Club Mobile App Work? - The Money Club

 Best Medium-Term Investment Options

Medium-term goals are those that you wish to achieve within the next three to five years.

National Savings Certificates (NSC)

The National Savings Certificate, or NSC, is a government of India post office savings product. NSC deposits mature in 5 years, with an annual interest rate of 6.8%. However, the entire amount is payable at maturity.

Read: Best Guaranteed Monthly Income Plans: 10 Monthly Income Schemes

 Best Long-Term Investment Options

Your long-term investment ideas are those that you hope to complete within the next seven to ten years.

Real Estate

The real estate industry in India is among the fastest growing. Buying an apartment or a plot of land is the best investment plan in India. It functions as an asset, which is one of the best long-term investment strategies with high returns.

Direct Equity

Investing in equities is one of the best ways to build wealth for long-term goals. Direct equity funds offer higher returns than any other investment option on the market. However, direct equity is a high-risk investment option.

Gold

Gold has been regarded as a potential investment since antiquity. Many banks now offer gold coin. Gold ETFs can be used to invest in paper gold, which is less pricey.

Read: Small Savings Schemes - High Return Small Saving Schemes in India

 Equity Mutual Funds

Stocks are the primary investment of equity mutual funds. These funds are managed by qualified fund managers. As a result, they only invest your money after conducting extensive research. As a result, your chances of generating profitable returns over time increases.

Public Provident Fund (PPF)

PPF is a very safe investment plan. A PPF account can be opened at any bank or post office. The invested funds are locked in for a 15-year period. Additionally, you can earn compound interest on the money that has accumulated in this investment option.

Read: What are Top 12 Alternative Investment Options in India for 2022

 ULIPs

A Unit-Linked Insurance Plan (ULIP) is a life insurance and investment product. A portion of the payment goes toward insurance coverage, while the remainder is invested in market-linked securities such as shares, bonds, and a variety of other securities.

NPS

National Pension System (NPS) is a long-term retirement investment product. Its objective is to ensure people's financial security after they retire.

#Money investment ideas

[highwest]

Daily Finance: High West Capital Partners Ranks One of Best Lender/Financing Companies in Singapore!

Best Lending/Financing Companies and Startups in Singapore (2021) – High West Capital Partners

SINGAPORE, April 15, 2022 (GLOBE NEWSWIRE) -- A recent article showcasing the best Singapore-based lending/financing companies selected High West Capital Partners for its exceptional performance and established brand. The Daily Finance article author stated, “These startups and companies are taking a variety of approaches to innovating the Lending//Financing industry.”

Best Lending/Financing Companies and Startups in Singapore (2021) by Daily Finance (df.media)

High West Capital Partners is a leading private investment firm based in Singapore and Hong Kong. Over the last 20 years, it has established itself as a significant force in South America, Europe, and the Asia Pacific, focusing on global structured finance and special situations. The firm’s primary objective is to provide immediate funding to clients who need liquidity.

About High West Capital Partners

High West Capital Partners provides custom liquidity solutions to institutional investors, mutual funds, family offices, publicly listed companies, corporate officers, and directors. It provides innovative financing structures that its competitors cannot offer due to its pool of long-term capital.

Media Contact

High West Capital Partners Hong Kong: [phone] Singapore: [phone] [email protected] [email protected]

High West Capital Partners is a private investment firm focused on global distressed, special situations and structured finance and 20+ markets spanning from South America to Europe and the Asia Pacific. The firm‘s primary objective is to provide immediate funding to clients who need liquidity.

High West Capital Partners is able to manage risks inherent in today’s equity markets and enhance the value of our investments in global markets and across multiple sectors, based on a unique blend of financial market experience and proprietary algorithmic models. High West Capital Partners specializes in providing custom liquidity solutions to institutional investors, mutual funds, family offices and corporate officers and directors.

We are able to provide innovative financing structures our competitors simply cannot provide due to our pool of long term capital. We can structure a financing product in any market throughout Asia, Middle East, Africa and Europe.

We understand the needs of our customers and pride ourselves on working as a team to make each customer completely happy. The High West difference is clear, we do what we say we are going to do and we provide customers with clear and easy to understand financing options.

Structured financial solutions do not need to be complicated as many of our competitors would have you believe. We work with our customers to understand their needs and then we execute.

Our goal is to have multiyear relationships versus one transaction and done. Founded on the values of creating long term capital growth solutions for small to middle market clients by managing volatility in the markets to achieve the stable returns required to be a leader in the industry.

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[investoaxis009]

Systematic Investment Plan which is known as SIP. It is an offer provided by a mutual fund house for the investors to invest in a disciplined way. Benefit of SIP Your return gets reinvested when you invest regularly. It may increase your potential return manifold. Investing in SIP does not require regular monitoring of the market so it is a good investment for beginners. It helps to balance the market fluctuation. Investing in an open-ended scheme investment can be redeemed at any time. SIP is a voluntary investment as investors can stop payment anytime in the duration of the scheme, no fine or charge will be imposed. Here we are discussing about best mutual funds to invest in 2022 India with good returns.

#best sip to invest in 2022 #Best Child Investment Plan in 2022 #InvestoAxis - Cryptocurrency Stock Market Today Mutual Funds IPO Loans #Best Mutual Funds to Invest in 2022 for Long Term

[stock-99]

India Pesticides share: Should you invest in 2023?

India Pesticides is a growing agro-chemical company based on volumes. It has two manufacturing facilities located in Lucknow & Sandila, Hardoi. You can consider investing in its shares because the demand for agriculture will increase. If you are a fundamental investor, you should research the fundamentals of the company before investing in its shares. On the other hand, if you are a short term trader, obtain knowledge of technical analysis and understand what is derivatives before trading in futures and options. In this article, we are going to learn about India pesticide shares, its fundamentals ratios, and financials, and why you should invest in India pesticide shares in 2023 in India.

About India Pesticides

The company was founded in 1984 and manufactures agro-chemical. They manufacture herbicide, captan, Thiocarbamate Herbicide and APIs (Active pharmaceutical ingredients).  The 67.20% shares are held by promoters of the company, 30.59% shares are held by mutual funds, 1.59% shares are held by foreign institutions. The top peers of the company are Rallis India, Astec Lifesciences, Best Agrolife, Sharda Cropchem, and Dhanuka Agritech. IPLDOLLAR, IPLGURU, IPL SOLDIER, IPL ZIRAM27, IPLDIFEN, and TAKATVAR are the brands of India Pesticides Ltd. Moreover, the company is listed in 7 indices.

Financials of India pesticides share

The revenue of the company has grown to Rs. 218 crore in June 2022 from Rs. 177 Crore in March 2022.

The profit of the company has grown to Rs. 41 crores in June 2022 from Rs. Rs. 31 crores in March 2022.

The net worth of the company has grown to Rs. 638 Crores in March 2022 from Rs. 565 Crores in September 2021.

The company has reduced its debt and it is almost debt free.

The company has a healthy profit growth of 34.8% CAGR over the last 5 years.

The company has maintained an ROE of 34.78% and ROCE of 43.27% in the last 3 years.

Fundamentals of India Pesticides (Data as of 11 November 2022)

Market cap

Rs. 3,089 Cr.

Market price

Rs. 271.45

52 week low

Rs. 200.75

52 week high

Rs. 273.00

P/E ratio

Rs. 3,089 Cr.

P/B ratio

4.84

Industry P/E

14.00

Debt to equity ratio

0.04

Return on equity (ROE)

30.75%

Earnings per share (EPS)

13.62

Dividend yield

0.28%

Book value

55.39

Face value

1

Conclusion

Investing in India pesticides is a good investment if you hold the shares for the long term. However, investing in any shares without doing proper research is risky. So, make sure to do a careful analysis of the company’s financials, check fundamental ratios, management, and business model, and check India pesticide share price to make an informed decision.

[camilacreditblog]

Best Investments To Beat Inflation

Rising prices have become an unavoidable fact of life for most Americans. You hear about inflation in the news, you see it at the grocery store—and hopefully you’ve thought about how inflation is impacting your investments.

“Inflation is the silent wealth killer,” says Chris Berkel, investment advisor and founder of AXIS Financial in Edmond, Okla. “Inflation has the potential to erode the purchasing power of an investor’s portfolio, even if they maintain positive returns year-over-year.”

Your long-term investments will need to earn at least 3.7%, the average U.S. inflation rate going back to 1960, to keep from losing ground. Here’s a look at investments that have stood the test of time in helping investors combat inflation.

Beat Inflation by Investing in Gold

Gold is the oldest hedge against inflation. The yellow metal has seen an average annual gain of 9.48% over the 20 years between September 2001 and September 2021. Over the same period, inflation averaged 2.4%, netting investors a 7.08% rate of return.

Just don’t go dumping your life’s savings into gold, as there are some other factors you’ll need to understand about investing in gold.

If you invest in physical gold, there are additional costs in storing and insuring coins and bullion, which eat into your returns. Investing in gold-focused mutual funds and exchange-traded funds (ETFs) can vastly reduce these costs, but it’s still important to remember that the price of gold is highly volatile, especially over the short term.

You’ll also need to understand whether your fund of choice aims to track the price of gold or rather gold mining companies. Both can be decent ways to play the gold market, but their returns may vary considerably.

Invest in Stocks to Beat Inflation

Investing in a diversified portfolio of stocks is an excellent way to fend off inflation. From July 2012 to July 2022, the S&P 500—a key benchmark for U.S. stocks—generated an average annualized return of nearly 11% (with dividends reinvested). After accounting for inflation, you’re still looking at about 8.3% average annual returns.

Even with today’s substantial price gains, you’d still have soundly trounced rising prices: From July 2012 to July 2022, inflation rose at an annualized rate of approximately 2.9%.

There’s no real need to resort to picking individual stocks, which can be research intensive and incredibly risky, to benefit from this kind of historic growth. Get started by choosing an S&P 500 index fund or S&P 500 ETF, which track the index’s return and keep costs ultra low. Because they contain hundreds of stocks, they provide simple, low-cost diversification, which reduces risk and portfolio management headaches.

Remember, investing in stocks is never risk free. You may lose money in the short term, and with stock index funds you don’t get to choose what companies the fund invests in. If you’re concerned about keeping your money out of companies you don’t agree with ethically, consider choosing an environmental, social and governance (ESG) fund instead.

Beat Inflation with Real Estate

Many inflation-averse investors turn to real estate to hedge their holdings, although the size and variability of the market can make it very difficult to generalize about this particular asset class.

An analysis by the Massachusetts Institute of Technology (MIT) found that retail property has proven to be the best category of real estate to beat inflation, while apartment buildings and industrial properties did somewhat less well. The MIT analysis attempted to factor in inflation growth, maintenance costs and appreciation when deciding what kind of real estate performed best over the long term.

Owning single-family homes can provide a hedge against inflation, depending on local market conditions. Taken in aggregate, home values in the U.S. have seen 4% average annual growth since 1991, according to the Federal Housing Finance Agency. But this data does not factor in maintenance or any other costs.

Here’s the trouble with buying real estate: It requires big buy-ins and a variety of costs for financing and maintenance. That’s why real estate investment trusts (REITs) can provide a simple way for regular investors to diversify their portfolios and get the inflation hedging benefits of real estate.

When you invest in REITs, it’s like buying a fund that exclusively owns real estate assets. Regulations require them to pay out regular dividends, making them particularly appealing to income investors.

And REITs have historically offered strong performance. Over the last decade, the MSCI U.S. REIT Index has an average annual return of more than 10%. That’s a great way to beat inflation.

TIPS Are Designed to Beat Inflation

Treasury Inflation-Protected Securities (TIPS) are designed to protect your investment from rising prices. The U.S. Treasury sells TIPS and adjusts their par value each year to keep up with inflation. This boosts your interest payments, and it also ensures you’ll likely see some appreciation from inflation-adjustments too.

While the inflation-protection aspect of TIPS can make them appealing, just remember that they’ll really only be able to preserve purchasing power, not necessarily provide growth. Over the past 10 years, the iShares TIPS Bond ETF, which tracks a TIPS index, posted average annual returns of just over 3%.

If you invest in TIPS, you’ll also need to watch out for deflation. Though you’ll never receive less than the original par value of a TIPS when it matures, its value can still decrease while you’re getting interest payments

Beat Inflation with I Bonds

Series I savings bonds, better known as I bonds, are another government-issued security designed to beat inflation.

Like TIPS, they preserve your money’s purchasing power by making regular interest adjustments based on prevailing inflation. Unlike TIPS, they don’t tinker with the par value of your bond; instead, they change interest rates every six months based on current inflation.

That can work out pretty well for you these days. Interest rates are 9.62% until at least October 2022. But I bond interest rates change constantly and can go to zero. That means that though you’re guaranteed not to lose your initial investment, it still can be eaten away over time by inflation if interest rates fall.

What’s more, I bonds come with pretty hefty lock-in dates. You can’t cash out an I bond for at least a year after you buy it, and for the next four years, you’ll owe three months of interest as a penalty if you cash it out, much like a certificate of deposit (CD).

#business #democrats #donald trump #entrepreneur #politics #finance #republicans #us politics #startup

[geniusinvesting]

Which are the Top Performing Flexi Cap Funds?

The market for mutual funds is on a constant rise. Investors are constantly looking for dynamic equity schemes. Therefore, on November 6, 2020, SEBI or the Securities and Exchange Board of India announced a form of equity scheme known as the Flexi cap funds for investors who are not much interested in taking risks. 

What are Flexi Cap Funds?

Flexi-cap funds, which are similar to multi-cap mutual fund schemes are investment plans in which investments are made across large, mid, and small-cap companies. At least 65% of the fund is invested in equities, whereas the rest is spread across multiple stocks of different sizes. Therefore, such open-ended mutual fund schemes promise diversified approaches across different market caps within their portfolios. 

What are the benefits of investing in the Flexi Cap Funds?

Flexi Cap Funds come with a creditable number of benefits that ensure a great return from investment in schemes. 

The top Flexi-cap funds invest in firms of various sizes which are spread across different sectors. This gives the investors a better understanding of and ability to allocate investment across different sectors within the Indian economy.

It is ideal for an investment period that is more than 5 years. As the multi-cap funds are investments in equities, they are not much profitable for short-term investments. However, an investment on a long-term basis reduces the possible risk to a great extent. 

The best Flexi-cap mutual funds give investors access to all the different sectors. This lessens the need to have to look into different funds as this particular form of mutual fund scheme gives a comprehensive as well as diverse market coverage. 

The flexibility guaranteed by the Flexi cap funds gives the investors the option to alter in case there is a change in the market conditions. 

Top Flexi Cap Funds

The following are some of the best Flexi-cap mutual funds, depending on their AUM (Assets under management) size and net asset value (NAV). 

UTI Flexi Cap Fund

This particular fund is controlled by Bajaj Finance Ltd., ICICI Bank Ltd., Kotak Mahindra Bank Ltd., HDFC Bank Ltd., and Infosys Ltd with a fund size of AUM of ₹7,263 Crores as of 31/03/2022 and a NAV of ₹219.72 as of June 10, 2022. While the expense ratio is 0.48 percent, the annual returns are 13.88 percent per year. 

2. Franklin India Flexi Cap Fund

With top holdings by ICICI Bank Ltd., Axis Bank Ltd., Infosys Ltd., HDFC Bank Ltd., and Bharti Airtel Ltd., Franklin India Flexi Cap Fund is a widely regarded fund scheme. Since its launch, the annual growth return has been 17.56 percent per year on average. The expense ratio is around 1.87 percent. The fund value is 9,492 Crores as AUM on 31/03/2022 with a NAV of ₹885.43 as of June 10, 2022.

3. Parag Parikh Flexi Cap Fund

The fund's AUM is set at ₹ 27,712 Crores with a NAV of ₹ 52.34 as of November 14, 2022. The fund's expense ratio is 0.76 percent. Companies like Bajaj Holdings & Investment Ltd., Housing Development Finance Corpn. Ltd., ITC Ltd., ICICI Bank Ltd., and HCL Technologies Ltd., make up its holdings. 

4. Aditya Birla Sun Life Flexi Cap Fund

The fund has an AUM of ₹15,003 Crores and a NAV of ₹1,020.54 as of June 10, 2022. Its expense ratio is marked at 1.82 percent. With an average annual return of 21.45 percent since its beginning, its top holdings are ICICI Bank Ltd., HDFC Bank Ltd., Infosys Ltd., Dr. Reddy's Laboratories Ltd., and Bharti Airtel Ltd.

5. HDFC Flexi Cap Fund

With an expense ratio of 1.71% and an exit load of 1%, its top companies include the State Bank of India, ICICI Bank Ltd., HDFC Bank Ltd., Infosys Ltd., and Reliance Industries Ltd. The fund value of the fund is around ₹27,433 Crores in assets under management (AUM) and a NAV of ₹986.21 as estimated on June 10, 2022.

6. SBI Flexi Cap Fund

The most attractive factor is the expense ratio of the fund which is marked at 1.85 percent, quite high when compared to that of other funds. ICICI Bank Ltd., HDFC Bank Ltd., State Bank of India, ITC Ltd., and HCL Technologies Ltd. are the top holdings. It also has a high AUM of ₹15,047 Crores in assets as of 31/03/2022 and a NAV of ₹70.25 as of June 10, 2022. 

7. PGIM Flexi Cap Fund

ICICI Bank Ltd., HDFC Bank Ltd., Infosys Ltd., Axis Bank Ltd., and National Thermal Power Corp. Ltd., are the top holdings of this fund whose expense ratio is set at 0.31 percent. The fund's AUM is around ₹5,291 Crores as of 30/09/2022 and a NAV of ₹ 28.97 as of November 14, 2022.

Conclusion

Just like in any other form of investment, investment in top Flexi-cap funds too needs in-depth knowledge and study. Market-savvy investors with higher risk tolerance must try investing in the best Flexi-cap Funds. This is far more suitable for those willing to earn more profit through investment in a diversified stock portfolio.

#flexicap fund #flexi fund #multicap funds #mutual fund

[zappianmedia]

Top 5 Mortgage Loan offers 2022 (High Paying)

In this article we have listed top 5 Mortgage Loan offers for 2022 currently available in the market. As the pandemic is ending and people are getting back to normal life, people have started investing in real estate.

There are various mortgage lenders in the market but our goal is to get the best Mortgage Loan offers for 2022 to the customer looking for Mortgage Loans. Homeowners know how important it is to select the right mortgage loan.

What is a Mortgage Loan?

It is referred to as the process of offering something as a guarantee against a loan. Globally there are different types of Mortgages but some of the popular ones are Conventional Mortgages, Fixed-Rate Mortgages, Adjustable-Rate Mortgages, FHA Loans, VA Loans and Jumbo Loans. All mentioned mortgages are considered either conforming or non-conforming loans.The two main factors affecting a mortgage are principal and Interest charged. Here the principal is the loan amount the lender gives to the customer whereas the interest is the additional amount by the lender on the principal amount.

In this advanced era, we easily calculate the Monthly Payment depending on the amount of home price on various websites. These websites allow you to track the down payment, homeowners insurance, interest rate on the loan and other details with ease.

Your monthly mortgage payment will depend on your home price, down payment, loan term, property taxes, homeowners insurance, and interest rate on the loan (which is highly dependent on your credit score). Use the inputs below to get a sense of what your monthly mortgage payment could end up being.

Companies like Quicken Loans, AmeriSave Mortgage, Omaha Reverse Mortgage, Lendgo Mortgage, and E Mortgage Capital give their customers ability to get quick loans, affordability, along with various loan options as well as speed to funding.

Mortgage Loan affiliate offers but the lenders below will help you generate high commissions. So, if you have a good presence on different social media platforms and have a network related to selling or buying houses, this is the right time. Take advantage of home loan affiliate offers and sign up with mortgage affiliate programs to make money as a mortgage affiliate marketer.

Here are high paying mortgage loan offers 2022

1. Quicken Loans

Quicken Loans (Rocket Mortgage) is one of America’s largest mortgage lenders in the market. They help clients understand various mortgage loan options and processes.

In the past they have helped millions achieve the dream of home ownership and their goal is to make the complicated home financing process simpler using technology, education and customer service. The Mortgage loan affiliate offer by Quicken Loans helps you receive good commissions and benefits.

We all know that mortgage rates change on a daily basis in the market. This is the reason why Quicken Loans publishes Today’s Mortgage Rates on their website for customer convenience and transparency.

2. AmeriSave Mortgage

The AmeriSave Mortgage Corporation for the past 20 years has helped people get 390,000+ homes financed and become happy homeowners.

They offer different types of mortgage loans to homebuyers & owners. These Mortgage Loans include Fixed Rate Loans, FHA Loans, VA Loans, USDA Loans, Cash Out Refinance and Adjustable Rate Loans.

As an affiliate marketer you can easily avail various home loan affiliate offers by AmeriSave Mortgage. In addition, buyers can dream of a bigger house with AmeriSave as they can customize loan rates to fit your needs as well as payment requirements.

3. Mutual of Omaha Reverse Mortgage

Mutual of Omaha Mortgage Company helps its clients protect what they care about and simultaneously achieve their financial goals. Unlike various traditional home mortgage loans, it offers a safe and secure way to its homeowners of 62 years and older. The clients can cash out the equity in their home without the requirement of a monthly loan payment.

By using a reverse mortgage loan you can meet long-term goals while incurring no monthly mortgage payments on your new home loan.

Besides that Mutual of Omaha Mortgage provides various reverse mortgage affiliate offers that can be a great source of particle income for affiliate marketers.

4. Lendgo Mortgage

Lendgo Mortgage offers an advanced online platform which provides homeowners a powerful online tool which helps them save big on their home loan and get the lowest rates. With Lendgo Mortgage you can secure the lowest rates and get the best mortgage as well as refinance offers online.

They also promise information security as the data shared with Lendgo Mortgage is fully protected as well as mortgage inquiry on their platform will not affect customers credit score.

You as an affiliate marketer can get the best possible home mortgage affiliate offers by bringing homeowners and first-time buyers to a simple, streamlined, unbiased, online platform for home loans.

5. E Mortgage Capital

E Mortgage Capital is an award-winning and one of the best Mortgage Lenders headquartered in Irvine, California. They offer extensive options for residential mortgage along with class leading service.

Whether you are buying a new home or looking for a refinance E Mortgage Capital will provide you tailor-made loans. These loans will come with a list of benefits and will offer fixed or variable interest rates to match customers financing needs.

They can help you save money on your current mortgage as well as get the most competitive rates for a home loan. Mortgage Loan affiliate offers by E Mortgage Capital are really very competitive and hassle-free.

Conclusion

I hope people who are looking for Mortgage loans will find some of the best mortgage lenders as well as affiliate marketers can get nice home loan affiliate offers. We suggest all home buyers compare the lowest home loan interest with the companies listed above. Apply for the best home loan.

We all know that affiliate marketing is a great source of income and the thing is that mortgage industry is growing at a fast pace. There are numerous opportunities for brokers as well as affiliate marketers as mortgage lenders provide high commissions if you get them the right customers who are looking for mortgage loans.

Source- https://www.zappian.com/top-5-mortgage-loan-offers-2022-high-paying/