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If I invest 11K in SIP for the next 15 years, how much will I get after 15 years?

3:59 AM

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If I invest 11K in SIP for the next 15 years, how much will I get after 15 years?

Great question! Investing in a Systematic Investment Plan (SIP) is like planting a money tree. But, before we get too carried away with dreams of lounging under a tree that sprouts cash, let's dig into the details!

What is SIP, Anyway?

Think of a SIP as a disciplined way to invest in mutual funds. It’s like going to the gym regularly but for your wallet. Instead of dumping all your money in one go (and hoping for the best), you invest a fixed amount every month. In your case, that's ₹11,000 every month for the next 15 years.

How Much Will My ₹11,000 Turn Into?

Ah, the million-dollar question (or in this case, the 11,000-rupee question)! The answer depends on the rate of return. Mutual funds don't have a fixed return like a bank FD; they vary based on market conditions. However, for simplicity, let’s assume an average annual return rate of 12% (which is quite standard for equity mutual funds over the long term).

To calculate the future value of your SIP, we can use a formula. But don’t worry, I’m not going to throw a bunch of math at you without warning. I’ll break it down:

Monthly investment (P): ₹11,000
Rate of return (r): 12% annually or 1% monthly
Number of months (n): 15 years * 12 months = 180 months

The formula for the future value of a SIP is:

FV=P×(1+r)n−1r×(1+r)FV = P \times \frac{{(1 + r)^n - 1}}{r} \times (1 + r)FV=P×r(1+r)n−1×(1+r)

Plugging in the numbers:

FV=11,000×(1+0.01)180−10.01×(1+0.01)FV = 11,000 \times \frac{{(1 + 0.01)^{180} - 1}}{0.01} \times (1 + 0.01)FV=11,000×0.01(1+0.01)180−1×(1+0.01)

So, What's the Final Amount?

Drum roll, please... After crunching the numbers, you’ll have around ₹50-55 lakhs (that's 5 to 5.5 million for those who like their numbers in millions)!

Why Does Compounding Feel Like Magic?

Compounding is often called the "eighth wonder of the world" for a reason. It’s like that snowball effect; your returns start earning returns, and before you know it, your investment is rolling into a big pile of cash. The longer you stay invested, the more you benefit from compounding.

A Few Things to Keep in Mind

Stay Consistent: Just like you wouldn’t quit the gym after a few weeks (hopefully), don’t stop your SIP halfway. Consistency is key.
Market Fluctuations: The market will go up and down—sometimes like a rollercoaster. Don't panic. Stay the course!
Review Regularly: Keep an eye on your investments but don’t stress over daily market changes. An annual review is often enough.

So, Is Investing in SIP Worth It?

Absolutely! It’s a great way to build wealth over time, especially if you’re looking to avoid the stress of trying to time the market. Just set it, forget it, and watch your money grow!

Happy investing! And remember, the best time to start was yesterday. The second best time? Right

Interested to Invest Click Here

AMFI Registered Mutual Fund Distributor

Contact at 8360264310

Mutual funds are subject to market risk. Read Documents carefully.

Is Quant Small Cap mutual Fund safe for 30 years?

10:18 AM

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Tips for All

Is Quant Small Cap mutual Fund safe for 30 years?

Greetings,

All mutual funds are regulated by SEBI. So, it’s unlikely that someone will run away with your money. But there’s market-linked risk that you cannot avoid. Every fund goes through ups and downs and those who muster the courage to stay invested earn sizable gains. So, the same applies to Quant Small Cap as well.

Besides, if you find a fund underperforming consistently in the future, you can always change it. So, what is important is to keep chaking a fund’s performance in 6 months or 1 year.

In that context, let’s review Quant Small Cap’s performance to gain more insights.

Quant Small Cap is in a league of its own. Its 3-year absolute returns are around 300%. The 2nd best is Nippon India Small Cap with 214% return in the same period.

No wonder Quant Small Cap’s popularity is off the roof. Let’s check what has worked in its favor.

The Background

The fund has a history of over 26 years. But as a small-cap fund, it has operated for just around 5 years. Prior to that, it was Quant Income Bond, a debt fund. In fact, the fund was started by Escorts Mutual Fund. It was later renamed after Quant Capital acquired Escorts Mutual Fund

The Meteoric Rise

From just Rs 2 crore in 2019, the fund’s AUM jumped to Rs 4,100 crore in just 4 years, all thanks to its handsome returns

A key reason for its success is its investment strategy. Stocks in this fund are selected based on Quant Fund’s proprietary VLRT model. The model evaluates stocks on 4 factors: valuation, liquidity, risk, and timing. This sets it apart from other funds in the category. Check details 👉

High Portfolio Churn

Most funds don’t buy and sell stocks too often. Quant Small Cap works differently. It buys and sells stocks more often than its peers. Even some of its top holdings go out of the portfolio in a couple of months

Concentrated Bets

On the face of it, the fund’s portfolio looks diversified with around 70 stocks. But there is a sizable concentration in the top holdings. For e.g., the top 10 stocks accounted for more than 50% in 3 of the last 5 years

High Volatility

The fund's exceptional returns are accompanied by higher volatility. In comparison to the category, the fund is almost twice as volatile.

Key Points To Note

The fund showcases outstanding performance. But it has a relatively short track record. It’s yet to prove its metal in various market conditions. Consider these insights to determine if this fund is suitable for you

Hope it helps

If you learned something new, COMMENT and SHARE the answer to help us reach more readers.

JOIN NOW http://p.njw.bz/39255

This for information. Mutual funds are subject to market risks. Read the documents carefully before investing

*ET Money

Does SIP actually work? If yes, then why don't all people invest in it?

6:54 AM

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Tips for All

Does SIP actually work? If yes, then why don't all people invest in it?

Latest Update for those who are doubting the Magic of SIP (and this data is from AMFI - Association of Mutual Funds in India only. I hope people won't doubt data from AMFI atleast).

Yes SIP does work for anyone and everyone.

But it doesn't work for all investors. Why? Keep reading...

There are three category of investors:

First category of investors are those who do not have patience. They want to get rich overnight. They want quick money. For them, Intraday Trading might work, but not Mutual Fund.

The second category of investors are those, who hav patience, but not knowledge. They end up investing in wrong products such as the ULIP.

The third category involves investors who have both knowledge and patience, but not a forward looking approach. They don't change with the time and continue with the traditional products, such as the FD and Recurring Deposits.

It's necessary that people get educated on all fronts.

*mutual funds are subject to market risk, pl read documents carefully

How to Get Started using a Password Manager?

3:50 AM

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Tips for All

How to Get Started using a Password Manager?

The majority of people use very weak passwords and reuse them on different websites. How are you supposed to use strong, unique passwords on all the websites you use? The solution is a password manager.

Password managers store your login information for all the websites you use and help you log into them automatically. They encrypt your password database with a master password – the master password is the only one you have to remember.

Don’t Reuse Passwords!

Password reuse is a serious problem because of the many password leaks that occur each year, even on large websites. When your password leaks, malicious individuals have an email address, username, and password combination they can try on other websites. If you use the same login information everywhere, a leak at one website could give people access to all your accounts. If someone gains access to your email account in this way, they could use password-reset links to access other websites, like your online banking or PayPal account.

To prevent password leaks from being so damaging, you need to use unique passwords on every website. These should also be strong passwords – long, unpredictable passwords that contain numbers and symbols.

Web geeks have hundreds of accounts to keep track of, while even the average person likely has tens of different passwords. Remembering such strong passwords is nearly impossible without resorting to some sort of trick. The ideal trick is a password manager that generates secure, random passwords for you and remembers them so you don’t have to.

lastpass-sign-in

What Using a Password Manager is Like?

A password manager will take a load off your mind, freeing up brain power for doing productive things rather than remembering a long list of passwords.

When you use a password manager and need to log into a website, you will first visit that website normally. Instead of typing your password into the website, you type your master password into the password manager, which automatically fills the appropriate login information into the website. (If you’re already logged into your password manager, it will automatically fill the data for you). You don’t have to think about what email address, username, and password you used for the website – your password manager does the dirty work for you.

If you’re creating a new account, your password manager will offer to generate a secure random password for you, so you don’t have to think about that, either. It can also be configured to automatically fill information like your address, name, and email address into web forms.

lastpass-filling-password

Why Browser-Based Password Managers Aren’t Ideal
Web browsers – Chrome, Firefox, Internet Explorer, and others – all have integrated password managers. Each browser’s built-in password manager can’t compete with dedicated password managers. For one thing, Chrome and Internet Explorer store your passwords on your computer in an unencrypted form. People could access the password files on your computer and view them, unless you encrypt your computer’s hard drive.

Mozilla Firefox has a “master password” feature that allows you to encrypt your saved passwords with a single “master” password, storing them on your computer in an encrypted format. However, Firefox’s password manager isn’t the ideal solution, either. The interface doesn’t help you generate random passwords and it lacks various features, such as cross-platform syncing (Firefox can’t sync to iOS devices).

20-web-generate_strong_password-PC_png

Dashlane has a strong password generator built right in
A dedicated password manager will store your passwords in an encrypted form, help you generate secure random passwords, offer a more powerful interface, and allow you to easily access your passwords across all the different computers, smartphones, and tablets you use.

Password Managers to Use

Dashlane probably has the slickest interface of any password manager
A variety of password managers are available, but three stand out as the best options. Each is a solid option, and which you prefer will depend on what’s more important to you:

Dashlane: This password manager is a little newer, but what they lack in name recognition they make up for with great features and slick apps for almost every platform — Windows, OS X, iPhone, iPad, and Android. They have extensions for every browser, features like a security dashboard that analyzes your passwords, and they even have an automatic password changer that can change your passwords for you without having to deal with it yourself.

One of the best features of Dashlane is that it’s completely free to use on a single device. If you want to sync your passwords between devices, you’ll need to upgrade to premium. But you can test it out for free.

And when it comes to security, Dashlane has another advantage, because you have the choice to keep all of your passwords locally on your computer, rather than in a cloud. So you have the benefit of something like KeePass, but with a better interface. If you do choose to sync your passwords using the cloud, they are AES encrypted.

LastPass: This is a cloud-based password manager with extensions, mobile apps, and even desktop apps for all the browsers and operating systems you could want. It’s extremely powerful and even offers a variety of two-factor authentication options so you can ensure no one else can log into your password vault. We’ve covered LastPass’s many security options in great detail. LastPass stores your passwords on LastPass’s servers in an encrypted form – the LastPass extension or app locally decrypts and encrypts them when you log in, so LastPass couldn’t see your passwords if they wanted to. For more information about LastPass, read our guide to getting started with LastPass.

KeePass: LastPass isn’t for everyone. Some people just aren’t comfortable with a cloud-based password manager, and that’s fine. KeePass is a popular desktop application for managing your passwords, but there are also browser extensions and mobile apps for KeePass. KeePass stores your passwords on your computer so you remain in control of them — it’s even open-source, so you could audit its code if you wanted to. The downside is that you’re responsible for your passwords, and you’ll have to sync them between your devices manually. Some people use a syncing solution like Dropbox to sync the KeePass database between their devices. For more information, check out our introduction to KeePass.

Getting Started with Your Password Manager

The first big decision you will need to make with a password manager is choosing your master password. This master password controls access to your entire password manager database, so you should make it particularly strong – it’s the only password you’ll need to remember, after all. You may want to write down the password and store it somewhere safe after choosing it, just in case – for example, if you’re really serious, you could store your master password in a vault at the bank. You can change this password later, but only if you remember it – if you lose your master password, you won’t be able to view your saved passwords. This is essential, as it ensures no one else can view your secure password database without the master password.

After installing a password manager, you will likely want to start changing your website passwords to more secure ones. LastPass offers the LastPass Security Challenge, which identifies the weak and duplicate passwords you should focus on changing. Dashlane has a Security Dashboard built right in, that will help you figure out which passwords might need to be changed.

10-app-security_score-PC_PNG

Password managers also allow you to store other types of data in a secure form – everything from credit card numbers to secure notes. All data you store in a password manager is encrypted with your master password.

Password managers can even help against phishing, as they fill account information into websites based on their web address (URL). if you think you’re on your bank’s website and your password manager doesn’t automatically fill your login information, it’s possible that you’re on a phishing website with a different URL.

Interested : https://tinyurl.com/yze9587z?code=39255

Investments in MF

Mutual Funds SIP : मात्र 1000 रुपये से करें एसआईपी की शुरुवात, पैसा बनाएगा आपके लिए पैसा

10:34 AM

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Tips for All

Mutual Funds SIP : मात्र 1000 रुपये से करें एसआईपी की शुरुवात, पैसा बनाएगा आपके लिए पैसा

लम्बी अवधि के निवेश के लिए एसआईपी सबसे बेस्ट तरीका है, म्यूचुअल फंड एसआईपी Mutual Funds SIP में निवेश करने वालो की संख्या में तेजी से इजाफा हुआ है. यदि आप भी एसआईपी के जरिये निवेश करना चाहते हैं तो इसके बारे में अधिक से अधिक जानकारियां एकत्रित कीजिये, इसके जरिये बड़ा से बड़ा फंड एकत्रित किया जा सकता है.

लम्बी अवधि बढ़िया रिटर्न

विभिन्न प्रकार के निवेश उद्देश्यों को पूरा करने के लिए आप म्यूचुअल फंड्स एसआईपी (Mutual Funds SIP) का चुनाव कर सकते हैं परन्तु निवेश के लिए हमेशा लम्बी अवधि चुने कम समय में भी फंड्स बेहतर रिटर्न दे सकते हैं परन्तु लॉन्ग टर्म में निवेश जोखिम कम किया जा सकता है.

कम्पाउंडिंग का तगड़ा फायदा

कम्पाउंडिंग समय के साथ पैसे को तेजी से बढ़ा सकता है, समय जितना ज्यादा बढ़ाया जायेगा उतना अधिक कम्पाउंडिंग का फायदा होगा (मतलब मूलधन के साथ ब्याज पर भी ब्याज बनता जायेगा).

कितने रुपये से कर सकते हैं एसआईपी

SIP की यही खासियत है की इसे कोई भी शुरु कर सकता है, महज 500 रुपये से एसआईपी की जा सकती है, किसी-किसी म्यूचुअल फंड योजना में मिनिमम एसआईपी निवेश की राशि 100 रुपये है. म्यूचुअल फंड औसतन 12 फीसदी का रिटर्न कमाया जा सकता है हालांकि कई बार इसमें उतार-चढाव देखने को मिल सकता है. एसआईपी निवेश जितना लम्बा चलेगा रिटर्न की गुंजाइस उतना अधिक है.

1000 रुपये की एसआईपी से कितना लाभ

आप म्यूचुअल फंड एसआईपी से कितना रिटर्न कमाएंगें, यह आपके द्वारा चुने गए फंड्स के रिटर्न पर निर्भर करता है, मान लीजिये आप हर महीने 1000 रुपये की एसआईपी करते हैं, जिसपर आपको सालाना 12 फीसदी का रिटर्न मिलता है तो 30 सालों में आप 35,29,914 रुपया इकठ्ठा कर लेंगें, यहाँ आपका निवेश मात्र 3,60,000 रुपया होगा.

वहीं अगर आप 1000 रुपये की एसआईपी में 15 फीसदी का रिटर्न प्राप्त करते हैं तो 30 साल में कुल 70,09,821 रुपया इकठ्ठा कर लेंगें, इक्विटी फंड्स High Return दे सकते हैं. अलग-अलग मार्केट कैप और निवेश जोखिम के आधार पर अलग-अलग फंड्स को चुना जा सकता है.

अगर आप अपने 1000 रुपये की मासिक एसआईपी पर सालाना 18 फीसदी का रिटर्न प्राप्त करते हैं तो आने वाले 30 सालों में 1,43,25,289 रुपये का बड़ा फंड तैयार कर सकते हैं.

Interested: https://tinyurl.com/yze9587z?code=39255

Disclaimer : यह आर्टिकल रिसर्च और जानकारियों के आधार पर बनाया गया है ब्लॉग केवल जानकारी के उद्देश्य से बनाया गया है. फंड निवेश वित्तीय जोखिमों के अधीन है.