mutual funds

One should never invest in Mutual Funds, but should invest through them   Absolutely right—and very well said!  “One should never invest in mutual funds, but invest through them.”  What Does It Mean? This statement emphasizes that mutual funds are a medium, not the final investment destination. You don’t invest in mutual funds like a product—you invest through mutual funds into underlying assets like: Mutual Fund Type Invests In Equity Funds Shares/Stocks of companies Debt Funds Government securities, bonds, money market Hybrid Funds A mix of equity and debt Index Funds Stocks that make up an index like Nifty 50 Gold Funds Gold ETFs or gold-related instruments  Why This Mindset Matters: You focus on what you’re actually buying into—equity, debt, gold, etc. You evaluate mutual funds as a vehicle to access professionally managed portfolios. You become more strategic and goal-oriented in your investments.  Example: Instead of saying: “I invested in an Axis Mutual Fund.” You should think: “I invested through Axis Mutual Fund into large-cap Indian stocks.”  

  Markets Are Down – Should You Sell or Buy More Mutual Funds? Quick Answer: Don’t panic. If you’re investing for long-term goals, market dips are an opportunity to buy—not a reason to exit. Key Factors to Consider Before You Decide 1️⃣ Focus on Your Financial Goals Long-Term Goals (e.g. Retirement, Wealth Building)? Stay invested—or consider buying more while markets are down. Need Funds Soon? Reassess carefully. You might need to shift to safer investments. 💡 Pro Tip from EzyMoneyDeals: Use goal tagging inside the EzyMoneyDeals app. It helps avoid emotional exits by linking your investments directly to your goals. 2️⃣ Recognize Market Cycles Volatility is normal. Markets rise, fall, and recover—historically hitting new highs after every downturn. 💡 EzyMoneyDeals Insight: Review historical returns and performance charts to maintain perspective during volatile times. 3️⃣ Buying in Market Dips = Investing at Discount When markets fall, mutual fund units are available at lower NAV. This strategy supports rupee-cost averaging, especially through SIPs. 💡 Actionable Tip: Use the SIP Booster or top-up feature on EzyMoneyDeals to increase investments during market dips. 4️⃣ Never Panic-Sell Selling during downturns usually means locking in losses. Many investors regret exiting too early—missing out on rebounds. 💡 Stay Rational: EzyMoneyDeals sends expert alerts and rational advice during market drops to help you avoid impulsive decisions. 5️⃣ Rebalance – Don’t Exit Instead of pulling out, consider rebalancing: Shift a portion from equity to debt or vice-versa to manage risk. 💡 Use EzyMoneyDeals Tools: Get personalized portfolio rebalancing recommendations based on your risk profile and market conditions. 6️⃣ Stay Long-Term. Stay Consistent. If you’re in quality mutual funds with solid fundamentals, stick to your plan. Market dips are temporary—wealth creation is long-term. What Should You Do? Scenario Recommended Action Long-term goal, market falling Stay invested or buy more units Short-term need, goal nearing Reassess and partially exit if needed Feeling anxious, risk-averse Rebalance or consult an advisor Investing via SIP Continue SIPs to buy cheaper units How EzyMoneyDeals Supports You in Market Corrections Feature How It Helps Goal Tagging Keeps you focused on your long-term goals SIP Booster / Top-up Easily invest more during market dips Market Insights Expert alerts, analysis, and news Portfolio Tracker Real-time NAV updates and fund tracking Risk Tools Personalized rebalancing suggestions Advisor Support Access SEBI-registered experts when needed Bottom Line: “Dips are temporary, discipline is forever.” Let EzyMoneyDeals help you ride the storm—without emotional mistakes. Buy more. Stay invested. Build wealth. ✅ Get Investment Guidance – Start with EzyMoneyDeals

Comparison between PPF (Public Provident Fund) and Mutual Funds across key factors:  PPF vs Mutual Funds – Detailed Comparison Feature PPF (Public Provident Fund) Mutual Funds Type of Investment Government-backed debt scheme Market-linked (Equity, Debt, Hybrid, etc.) Returns Fixed (around 7%–8% p.a., set by Govt. quarterly) Market-dependent (can be 4%–15%+ p.a.) Risk Level Very Low (Govt guaranteed) Varies (Low to High, based on fund type) Lock-in Period 15 years (can be extended in 5-year blocks) Varies: ELSS – 3 yrs, others – no lock-in Liquidity Partial withdrawal allowed after 5 years High (Redemption within 1–3 working days) Tax Benefits on Investment Eligible under Sec 80C (up to ₹1.5 lakh) ELSS only eligible under Sec 80C (₹1.5 lakh) Tax on Returns Completely Tax-Free (Exempt-Exempt-Exempt) Taxable (as per capital gains rules) Minimum Investment ₹500 per year As low as ₹100–₹500 per month (SIP) Maximum Investment ₹1.5 lakh per financial year No limit Who Should Invest? Conservative, long-term savers All types of investors (based on risk appetite)  Summary:  PPF is ideal for risk-averse, long-term savers looking for safe, tax-free returns.  Mutual Funds are suitable for wealth creation, with higher return potential but also higher risk.  

Absolutely!  That’s a powerful and motivating way to think about mutual fund investments:  “In Mutual Funds, Money Doesn’t Get Locked Up — It Gets Invested!”  Not Locked →  Actively Working Unlike traditional instruments like Fixed Deposits (FDs) or PPF, where your money is locked-in for years, in mutual funds:  Your money is actively deployed in stocks, bonds, or both  It’s working for you every day in the market  You can redeem it any time (except for ELSS or specific lock-in funds)  Here’s the Difference: Feature Traditional Options (FD/PPF) Mutual Funds Lock-in 5 to 15 years Most funds: No lock-in (except ELSS) Returns Fixed, low to moderate Market-linked, higher potential Flexibility Low High (SIP, partial withdrawal, etc.) Liquidity Low to Medium High (T+1 or T+3 settlement) Money Status Idle or Locked Actively Invested & Growing  Think of Mutual Funds as: Your personal financial employee that works 24/7 to grow your wealth.