{"id":1038,"date":"2017-07-26T08:46:19","date_gmt":"2017-07-26T08:46:19","guid":{"rendered":"http:\/\/blog.kuvera.in\/?p=1038"},"modified":"2019-06-10T09:28:43","modified_gmt":"2019-06-10T09:28:43","slug":"millennials-investing-mutual-funds","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/millennials-investing-mutual-funds\/","title":{"rendered":"Why Millennials should be investing in Mutual Funds"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69edaf823f560\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69edaf823f560\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/millennials-investing-mutual-funds\/#According_to_Fidelity_Investments_2016_Millennial_Money_Study_60_of_young_adults_are_saving_for_retirement_and_62_have_an_investment_account_When_it_comes_to_what_theyre_investing_in_Mutual_Funds_are_a_top_choice\" title=\"According to Fidelity Investments\u2019 2016 Millennial Money Study, 60% of young adults are saving for retirement and 62% have an investment account. When it comes to what they\u2019re investing in, Mutual Funds are a top choice.\">According to Fidelity Investments\u2019 2016 Millennial Money Study, 60% of young adults are saving for retirement and 62% have an investment account. When it comes to what they\u2019re investing in, Mutual Funds are a top choice.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/millennials-investing-mutual-funds\/#Where_to_Invest\" title=\"Where to Invest:\">Where to Invest:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/millennials-investing-mutual-funds\/#Start_investing_early\" title=\"Start investing early\">Start investing early<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/millennials-investing-mutual-funds\/#Manage_the_Tax_Implications\" title=\"Manage the Tax Implications:\">Manage the Tax Implications:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/millennials-investing-mutual-funds\/#How_to_choose_the_Mutual_Funds\" title=\"How to choose the Mutual Funds:\">How to choose the Mutual Funds:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/millennials-investing-mutual-funds\/#With_the_advantage_of_time_the_millennials_focus_should_be_in_taking_a_diversified_but_an_aggressive_approach_Investments_should_be_made_in_mutual_funds_that_have_a_higher_concentration_of_equities_than_bonds\" title=\"With the advantage of time, the millennials focus should be in taking a diversified but an aggressive approach. Investments should be made in mutual funds that have a higher concentration of equities than bonds.\">With the advantage of time, the millennials focus should be in taking a diversified but an aggressive approach. Investments should be made in mutual funds that have a higher concentration of equities than bonds.<\/a><\/li><\/ul><\/nav><\/div>\n<h5><span class=\"ez-toc-section\" id=\"According_to_Fidelity_Investments_2016_Millennial_Money_Study_60_of_young_adults_are_saving_for_retirement_and_62_have_an_investment_account_When_it_comes_to_what_theyre_investing_in_Mutual_Funds_are_a_top_choice\"><\/span>According to Fidelity Investments\u2019 2016 Millennial Money Study, 60% of young adults are saving for retirement and 62% have an investment account. When it comes to what they\u2019re investing in, Mutual Funds are a top choice.<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<h5><img loading=\"lazy\" class=\" wp-image-1057 alignleft\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/07\/Screen-Shot-2017-07-26-at-2.21.07-PM-300x185.png\" alt=\"\" width=\"504\" height=\"311\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/Screen-Shot-2017-07-26-at-2.21.07-PM-300x185.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/Screen-Shot-2017-07-26-at-2.21.07-PM-768x472.png 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/Screen-Shot-2017-07-26-at-2.21.07-PM.png 904w\" sizes=\"(max-width: 504px) 100vw, 504px\" \/><\/h5>\n<p>Millennials, also known as Gen Y, is the generation born between 1982 and 2004. As the first generation to be born into a digital first world how\u00a0Gen Y goes about investing money is vastly different from the previous generations. For one, the access to quality and accurate information, that\u2019s available with just a click, eliminates the strenuousness in planning for long term financial goals.<\/p>\n<p>Research has shown that the Millennial generation tends to be <em>progressive, risk takers<\/em> in their investment approach. If, like me, you\u2019re part of the Gen Y then chances are that you\u2019re more self-directed, and proactive DIY investment strategies sound more appealing to you than to wait for your financial advisors.<\/p>\n<p>With members of Gen Y approaching their <em>potential peak earning<\/em> <em>years<\/em> and since accumulating wealth requires broader, long-term thinking, there is no better time to get that savings fund growing than now! \u201cIt\u2019s the \u2018rolling snowball\u2019 effect. The longer you leave your money to work, the more exciting the numbers get,\u201d says Kapil Narang, COO, Ameriprise India.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"Where_to_Invest\"><\/span>Where to Invest:<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p><img loading=\"lazy\" class=\"wp-image-1059 alignright\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/07\/Screen-Shot-2017-07-26-at-2.22.34-PM-300x143.png\" alt=\"\" width=\"535\" height=\"255\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/Screen-Shot-2017-07-26-at-2.22.34-PM-300x143.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/Screen-Shot-2017-07-26-at-2.22.34-PM-768x367.png 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/Screen-Shot-2017-07-26-at-2.22.34-PM.png 884w\" sizes=\"(max-width: 535px) 100vw, 535px\" \/>Having been a commerce graduate and a fellow &#8220;GenY-ite&#8221;, it didn&#8217;t take me too long to figure that idle cash lying in your bank savings account or at any other safe place (like FD) does not grow much since the interest on it is only sufficient to cover inflation and does not cause an actual growth in buying power.<\/p>\n<p>But when you invest in Mutual Funds (or other assets), you make your money work for you. Since the amount increases substantially over a considerable frame of time, you can use it to fulfill your long-term needs.<\/p>\n<p>The ideal form of long term investment is through <strong>Equity<\/strong>. There are various ways to invest in equity\u2014you can either trade directly or invest through mutual funds.<\/p>\n<ol>\n<li><strong>Equity Trading<\/strong> has higher volatility but for a well informed investor could also reap higher returns. It also requires in-depth research and analysis that not everyone may have the time or aptitude for.<\/li>\n<li>If, instead of buying stocks yourself, you entrust a fund house to do it, you invest in a <strong>Mutual Fund<\/strong>. You can put in a lump sum or invest periodically (via <strong>S<\/strong>ystematic <strong>I<\/strong>nvestment <strong>P<\/strong>lans). A Fund Manager actively monitors your investment according to your risk tolerance and financial goals. You may not earn as well as you might through trading stocks, but the risk is also lesser.<\/li>\n<\/ol>\n<h5><span class=\"ez-toc-section\" id=\"Start_investing_early\"><\/span>Start investing early<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Mutual funds can be a less intimidating proposition for adults in their 20s and 30s who may be leery of purchasing individual stocks. Further time is on your side and you should use it well. Owning a portfolio of different mutual fund schemes, where the risk of one evens out with the risk of another, will have expected returns that are far better than the upside of leaving your money parked in a bank. This is the basis of &#8220;diversification&#8221;. Also, as a lot of experts say, for first-time income earners, it\u2019s safest to start with mutual fund SIPs.<\/p>\n<p>To illustrate &#8211; an investment in Direct Mutual Funds with auto-sweep facility, investing Rs 2,000 a month at the age of 20 will have accumulated to Rs 2.40 crore by the time you are 60 years of age (at 12% rate of return). If, on the other hand, you start investing the same amount at the age of 30, you will be able to pile up only Rs 70 lakhs.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"Manage_the_Tax_Implications\"><\/span>Manage the Tax Implications:<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>You should also be aware of the manner in which your investments are likely to be taxed. When I had just begun work after college, my income wasn&#8217;t big enough to file tax returns. Those with a salary of less than Rs 2.5 lakh a year are exempt from filing. However, after a couple of years into work life I had to do so, especially since the gains from my investments rose my income level.<\/p>\n<p>To help from losing out on taxes, I shifted from paying tax on interest every year on my FD account to simply holding my investments in mutual funds.\u00a0 Long term capital gains from investments in Equity mutual funds are exempt from tax if you hold the fund for more than a year.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"How_to_choose_the_Mutual_Funds\"><\/span>How to choose the Mutual Funds:<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>To simplify, Dhirendra Kumar, CEO of Value Research, suggests the \u2018core and satellite\u2019 approach. \u201cInvestors should invest 70-80% in core funds and the remaining in satellite funds. You can have 2-3 funds in the core, comprising large-cap and mid-cap funds. The satellite or the smaller component can be made of sectoral and multi-cap funds. This way the investments will be able to absorb shocks and earn high returns over various market cycles.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"With_the_advantage_of_time_the_millennials_focus_should_be_in_taking_a_diversified_but_an_aggressive_approach_Investments_should_be_made_in_mutual_funds_that_have_a_higher_concentration_of_equities_than_bonds\"><\/span>With the advantage of time, the millennials focus should be in taking a diversified but an aggressive approach. Investments should be made in mutual funds that have a higher concentration of equities than bonds.<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<h4><\/h4>\n","protected":false},"excerpt":{"rendered":"<p>According to Fidelity Investments\u2019 2016 Millennial Money Study, 60% of young adults are saving for retirement and 62% have an investment account. When it comes to what they\u2019re investing in, Mutual Funds are a top choice. 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