{"id":185,"date":"2016-05-09T04:23:24","date_gmt":"2016-05-09T04:23:24","guid":{"rendered":"http:\/\/blog.kuvera.in\/?p=185"},"modified":"2019-06-10T09:41:04","modified_gmt":"2019-06-10T09:41:04","slug":"020-practical-tips-for-mutual-fund-investors","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/020-practical-tips-for-mutual-fund-investors\/","title":{"rendered":"Practical tips for Mutual Fund investors"},"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-69d23776b8d07\" 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-69d23776b8d07\"><\/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-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/020-practical-tips-for-mutual-fund-investors\/#Take_a_holistic_view_of_your_financial_goals_and_invest_accordingly\" title=\"Take a holistic view of your financial goals and invest accordingly.\">Take a holistic view of your financial goals and invest accordingly.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/020-practical-tips-for-mutual-fund-investors\/#Be_aware_that_a_scheme_with_a_lower_Net_Asset_Value_NAV_is_not_necessarily_a_better_purchase_than_a_scheme_with_a_higher_NAV\" title=\"Be aware that a scheme with a lower Net Asset Value (NAV) is not necessarily a better purchase than a scheme with a higher NAV.\">Be aware that a scheme with a lower Net Asset Value (NAV) is not necessarily a better purchase than a scheme with a higher NAV.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/020-practical-tips-for-mutual-fund-investors\/#If_you_choose_to_avail_the_services_of_MF_distributor_then_ask_for_the_list_of_fees_and_charges_applicable_before_investing_and_pay_him_her_according_to_the_services_rendered_and_advice_offered\" title=\"If you choose to avail the services of MF distributor, then ask for the list of fees and charges applicable, before investing and pay him \/ her according to the services rendered and advice offered.\">If you choose to avail the services of MF distributor, then ask for the list of fees and charges applicable, before investing and pay him \/ her according to the services rendered and advice offered.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/020-practical-tips-for-mutual-fund-investors\/#Do_not_expect_unrealistic_guaranteed_returns\" title=\"Do not expect unrealistic \/ guaranteed returns\">Do not expect unrealistic \/ guaranteed returns<\/a><\/li><\/ul><\/nav><\/div>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-186 size-medium\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2016\/05\/piggy-bank-1019758-300x300.jpg\" alt=\"Useful Tips..Hmmm!\" width=\"300\" height=\"300\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2016\/05\/piggy-bank-1019758-300x300.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2016\/05\/piggy-bank-1019758-150x150.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2016\/05\/piggy-bank-1019758-768x768.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2016\/05\/piggy-bank-1019758-1024x1024.jpg 1024w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>The Stock Exchange Board of India (SEBI) is responsible for regulating and developing the Indian Securities markets and more importantly, to protect the interests of Mutual Fund investors such as you and me. In pursuance of this responsibility, SEBI has built an admirable investor awareness and education machinery and investor grievance redress mechanisms that may be amongst the best in the world.<\/p>\n<p>Take a dekko at <a href=\"http:\/\/investor.sebi.gov.in\/\">http:\/\/investor.sebi.gov.in\/<\/a> and you will get a sense of how comprehensively your regulator is seeking to improve the investing eco-system for you.<\/p>\n<p>As a mutual fund investor, do look at <a href=\"http:\/\/investor.sebi.gov.in\/Reference%20Material\/MFunds.pdf\">http:\/\/investor.sebi.gov.in\/Reference%20Material\/MFunds.pdf<\/a> for some handy tips. Some of the ones we especially like and will be writing about separately are as follows:<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Take_a_holistic_view_of_your_financial_goals_and_invest_accordingly\"><\/span>Take a holistic view of your financial goals and invest accordingly.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>Perhaps the most important of all principals in investing is articulation of your financial goals. This will help you to better select investment products. And regularly reviewing your goals and the performance of your investment choices can help identify and address any shortcomings in your plan.<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Be_aware_that_a_scheme_with_a_lower_Net_Asset_Value_NAV_is_not_necessarily_a_better_purchase_than_a_scheme_with_a_higher_NAV\"><\/span>Be aware that a scheme with a lower Net Asset Value (NAV) is not necessarily a better purchase than a scheme with a higher NAV.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>While easily understood, this fact may sometimes be overlooked when comparing schemes or even different options between schemes. For example, NAV of Scheme A with growth option will be higher than the NAV with dividend option of the same Scheme A. Either may be suitable for you depending on whether you are looking for regular income or long term growth. Just useful to keep an eye out while making the decision to invest.<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"If_you_choose_to_avail_the_services_of_MF_distributor_then_ask_for_the_list_of_fees_and_charges_applicable_before_investing_and_pay_him_her_according_to_the_services_rendered_and_advice_offered\"><\/span>If you choose to avail the services of MF distributor, then ask for the list of fees and charges applicable, before investing and pay him \/ her according to the services rendered and advice offered.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>They will tell you it\u2019s free for you, but it\u2019s not. Mutual Funds pay distributors a commission, sometimes quite handsome, for every Rupee of money they collect from investors. And different funds have different commission structures, so technically a distributor may be more incentivized to sell a particular fund over the other. Surely you get our drift..! In fact, SEBI has recently put in place regulations requiring disclosure of commissions in Investor account statements. Aye, we say and doff our hats to SEBI again!<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Do_not_expect_unrealistic_guaranteed_returns\"><\/span>Do not expect unrealistic \/ guaranteed returns<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>It is important to reach for the stars but investing doesn\u2019t work like that. Set realistic goals that allow you to make investment choices that are within your risk tolerance. And remember that you need to enjoy the present as much as you need to save for the future. Chasing that professional or personal dream will be more fulfilling than making risky and concentrated financial bets.<\/p>\n<ul>\n<li>Do not fall prey to market rumors \/ \u2018hot tips\u2019\/ \u2018opportunity knocks only once\u2019 kind of advice<\/li>\n<li>Do not be swayed by market sentiments<\/li>\n<li>Do not invest on any explicit \/ implicit promises made by anyone<\/li>\n<li>Do not invest in any scheme just because of incentives \/ gifts \/ inducements etc. offered<\/li>\n<li>Do not indulge in impulse investing<\/li>\n<\/ul>\n<p>These are very useful \u201cDo nots\u201d and the message is to develop a personal financial plan and stick to it through the ups and downs of markets. Needless to say, avoid tips from tipsters, well-meaning ones may not know your financial situation adequately and acumen or worse still, they may want you to buy to make their market.<\/p>\n<p>Though we pulled out a few points to write about them, do take the time to look at the full note. It\u2019s a handy reference to the Do\u2019s, Don\u2019ts, Rights and Responsibilities of a Mutual Fund investor.<\/p>\n<p>Visit <a href=\"http:\/\/www.kuvera.in\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">www.kuvera.in<\/a> to invest in &#8220;Direct Plans&#8221; of Mutual Funds and save BIG on commissions!!!<\/p>\n<p>If you like this post, share the love below..<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Stock Exchange Board of India (SEBI) is responsible for regulating and developing the Indian Securities markets and more importantly, to protect the interests of Mutual Fund investors such as you and me. In pursuance of this responsibility, SEBI has built an admirable investor awareness and education machinery and investor grievance redress mechanisms that may [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/020-practical-tips-for-mutual-fund-investors\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":3,"featured_media":186,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[91],"tags":[43,42,41],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Practical tips for Mutual Fund investors - Kuvera<\/title>\n<meta name=\"description\" content=\"Helpful &quot;Do&#039;s&quot; and \u201cDo nots\u201d for Mutual Fund investors to develop a financial plan and take charge of their financial future\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/020-practical-tips-for-mutual-fund-investors\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Practical tips for Mutual Fund investors - 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