#SBI Mutual Funds

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Best Mutual Funds, Online Investment Platform, Certified Financial Advisor | Sigfyn

https://www.sigfyn.com/ Get Best Mutual Fund Advisory at Sigfyn, we are best AI-powered platforms that provides personalized and holistic financial advisory to grow wealth by SIP. Invest in best mutual funds portfolios such SBI, HDFC, ICICI Prudential, Nippon India curated by expert-built algorithms.

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[targetstudy]

Which Loan is Best, FD, Gold Loan, Mutual Fund, Personal Loan

What is Loan

Some Types of Loans

FD (Fixed Deposit) Loan

You can take a loan against bank FD without breaking it. In this way, along with the benefit of maintaining the savings deposited in the bank, one also gets the necessary cash.

The interest rates (12–15%) applicable on FD loans are also lower than personal loans. This loan is also easily available immediately. Also, there is no need to submit many documents to the bank for this. Savings also remain intact along with debt.

Gold Loan

Gold loans have become attractive these days as gold prices have reached Rs 75,000 per 10 grams. Now you will get more loan than before on mortgaging jewellery.

READ MORE>>>>

[mutualfunds1]

Shape your financial Goals with SBI Mutual Fund's Investment Tools & Calculators. These tools do not just help in setting up a financial goal, but also offer potential solutions on how to meet your goals.

[sunnysharmaseo]

Sovereign Gold Bond vs. Gold ETF: A Comprehensive Comparison for Smart Investors

Over the last few years, the concept of digital gold has arrived in a big way. It started off with gold ETFs and then came the highly popular Sovereign Gold Bond scheme. There are also other digital gold holding vehicles like international gold funds, gold futures and digital gold. In this blog, the focus would largely be on understanding the relative merits and demerits of the sovereign gold bond vs gold ETF debate, and which is more suitable and under what circumstances. Also, a comparison of gold ETF vs SGB is provided on parameters like liquidity, flexibility, charges and tax implications.

What are Sovereign Gold Bonds (SGB) all about?

SGBs or Sovereign Gold Bonds have been around in India since Nov-2015 and have been gradually gaining in heft. These SGBs are central government-backed bonds, denominated in grams of gold. The underlying holding in grams of gold is guaranteed by the central government. In addition, these sovereign gold bonds also bear an interest of 2.50% annually on the issue price, which is paid semi-annually to the investor. Investors also get an upfront discount of Rs. 50/- per gram if the payment mode is digital. SGBs are also advantageous as they do not have the hassles like storing gold, making charges, risk of loss etc.

What really stands out about the SGB is the sovereign guarantee and that the returns are pegged to the price of gold. What the government guarantees is the payment of interest at 2.50% per annum and the holding of gold in grams. Considering that gold has generally given positive returns over longer periods of time, it makes investment in SGBs relatively secure and attractive too.

The SGBs can be held either in physical form or in demat form, as part of the demat account.

Gold ETFs (Exchange Traded Funds)

Unlike SGBs that are issued by the central government, gold ETFs are issued by the mutual fund houses registered with SEBI. They are issued in the form of gold units pegged as equivalent to a certain weight in gold expressed in grams. Gold ETFs are typically closed-ended in that once the NFO period is over, the fund does not offer any purchase or sale of units. However, being Exchange Traded Funds, they are mandatorily listed on the stock exchanges and investors wanting to buy or sell gold ETFs can do so using their existing demat account and trading account.

Gold ETFs are very liquid and hence, entry & exit is hardly a problem without any price damage. You can trade in gold ETFs just as you trade in stocks. It must be noted here that gold ETF issuing mutual funds are required to maintain physical gold equivalent to the units sold with a gold custodian bank as a backing.

Sovereign Gold Bond VS Gold ETF

Let's compare the sovereign gold bonds and the gold ETFs on a variety of parameters like returns, risk, flexibility, liquidity, taxation, etc. This sovereign gold bond vs gold ETF comparison will allow investors to make the best choice.

Here are the highlights of the gold ETF vs SGB debate.

1. How do SGBs and Gold ETFs compare in returns?

Remember, both SGBs and gold ETFs are linked to the price of gold. If the price of gold goes up, then the capital appreciation will benefit the SGB and also the gold ETFs. The difference lies in the interest paid. For instance, SGBs pay an additional assured interest of 2.50% per annum, but such assured returns do not exist in gold ETFs.

2. How do SGBs and Gold ETFs compare in risk?

One can argue that since both are backed by gold, there is no asset risk; however, there is a difference.

Even though SGBs do not have physical gold backing, the returns on these bonds are pegged to gold prices. And they have an explicit guarantee by the central government regarding the gold holding and the interest payable. In the case of gold ETFs, there is no explicit guarantee (sovereign or otherwise) but they do have the physical gold with the gold custodian bank.

3. How do SGBs and Gold ETFs compare in taxation?

Gold ETFs are treated as non-equity assets and hence the capital gains, if any, would be treated as short-term gains if held for less than 3 years and taxed at the marginal tax rate applicable. If the gold ETFs are held for more than 3 years, they are long-term capital gains and they attract tax at 20% with the benefit of indexation.

In the case of SGBs, the method of taxation is the same, with just one critical difference. If the SGBs are held till redemption, then any capital gains on the SGBs are fully tax-free in the hands of the investor. However, interest on gold bonds is fully taxable.

4. How do SGBs and Gold ETFs compare in costs?

Sovereign gold bonds don’t have any recurring cost of ownership. Gold ETFs on the other hand, have annual charges, including brokerage and expense ratio ranging from 0.50 – 1.00%. The costing of SGBs is a lot more transparent than Gold ETFs.

5. How do SGBs and Gold ETFs compare in liquidity?

Gold ETFs can be bought and sold in the secondary market using your existing trading and demat account with your stock broker. SGBs can be bought at the new issue period, which can be several times during the fiscal year. Outside that, SGBs are listed on the stock exchange, but the liquidity is limited.

Let’s look at the table below to quickly review the gold ETF vs SGB debate

To sum up the sovereign gold bond vs gold ETF debate, both are digital modes of holding gold and are linked to gold prices.

Among 6 key parameters viz. fixed interest, taxation, liquidity, costing, purity and safety, SGB stands out across all. On the other hand, Gold ETFs are highly liquid and do not have a maximum investment limit, allowing investors to buy as much as they want while in case of SGBs maximum investment limit for individual investors is 4kg in a Financial Year

Eventually, investors need to take a call on the gold ETF vs SGB choice based on their financial goals & risk profile; and returns, risk, liquidity, taxation, & convenience the products have to offer.

Source URL: https://www.sbisecurities.in/blog/sovereign-gold-bond-vs-gold-etf

[zfundsofficial]

Best SBI Mutual Fund for Lumpsum Investment 2024 

[loandarkar]

বেষ্ট এস বি আই মিউচুয়াল ফান্ড ২০২৩। স্টেট ব্যাঙ্ক অফ ইন্ডিয়া নিফটি ইনডেক্স ফান্ড ২০২৩

এস বি আই বেষ্ট মিউচুয়াল ফান্ড:- বন্ধুরা আজকের এই পোস্টটিতে আমরা এসবিআই অর্থাৎ স্টেট ব্যাঙ্ক অফ ইন্ডিয়া এর একটি অত্যন্ত লাভজনক মিউচুয়াল ফান্ড প্ল্যান সম্বন্ধে জানব। যেখানে আপনার মান্থলি ইনকাম এর পাশাপাশি আপনার মূল ইনভেস্টমেন্টের সাথেও হাই ইন্টারেস্ট যুক্ত হবে। যেটি মূলত পোস্ট অফিস এবং এলআইসি এর মান্থলি ইনকাম স্কিম গুলির ক্ষেত্রে হয় না। তো বন্ধুরা এর আগে আমরা এলআইসি অর্থাৎ ভারতীয় জীবন বীমা…

[buistech]

Is SBI a Safe Bet for Long-Term Investment? Here's What the Experts Say

To make informed decisions, investing in the stock market necessitates careful consideration and analysis. State Bank of India (SBI), being quite possibly of the biggest bank in India, frequently grabs the eye of financial backers looking for long haul speculation open doors. Be that as it may

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SIP Calculator: Caculate your SIP Returns with this SIP Calculator. You can calculate Mutual funds SIP returns and Stock Market SIP Return with this SIP Calculator.

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Lumpsum Investment in Mutual Funds | SBI Investapp | इन्वेस्टमेंट करें म्यूच्यूअल फण्ड में Watch video on TECH ALERT yt https://youtu.be/lcjoLasPQ94

#TechAlert #howto #technology #sip #mutualfund #lumpsum #SBI #investapp #investment #interest #trendingreels #viral #Youtube #shorts #love #girls #teenage #growth #howtoinvest #invest

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What is AMC in Mutual Fund | List of 43 AMCs in India

AMCs are an important factor in shaping the investment portfolio and ensuring that investors make sound investment decisions.

List of 43 AMCs in India

The list of AMCs in India includes,

360 One Mutual Funds

Aditya Birla Capital Mutual Funds

Axis Mutual Fund

Bandhan Mutual Fund

Bank of India Mutual Fund

Baroda BNP Paribas Mutual Fund

Canara Robeco Mutual Fund

DSP Mutual Fund

Edelweiss Mutual Fund

Franklin Templeton Investments India

Groww Mutual Fund

HDFC Mutual Fund

Helios Mutual Fund

HSBC Mutual Fund

ICICI Prudential Mutual Fund

IL&FS Mutual Fund

Invesco Mutual Fund

ITI Mutual Fund

JM Financial Mutual Fund

Kotak Mahindra Mutual Fund

LIC Mutual Fund

Mahindra Manulife Mutual Fund

Mirae Asset Mutual Fund

Motilal Oswal Mutual Fund

Navi Mutual Fund

Nippon India Mutual Fund

NJ Mutual Fund

Old Bridge Mutual Fund

PGIM India Mutual Fund

PPFAS Mutual Fund

Quant Mutual Fund

Quantum Mutual Fund

Samco Mutual Fund

SBI Mutual Fund

Shriram Mutual Fund

Sundaram Mutual Fund

Tata Mutual Fund

Tauras Mutua Fund

Trust Mutual Fund

Union Mutual Fund

UTI Mutual Fund

Whiteoak Capital Mutual Fund

Zerodha Fund House

[sunnysharmaseo]

How to Place an Equity SIP (E-SIP) Order through SBI Securities App?

Equity-SIP Is A Tool That Helps You Build Your Portfolio Over The Long Run With Consistency & Discipline! Enjoy a Fast, Seamless and Intuitive investing

[worldmarketview]

🏆 Top Mutual Funds by HDFC Mutual Fund – Your Wealth-Building Partners! 📈

In the latest analysis by Cafemutual, HDFC Mutual Fund stands among the top three fund houses in India by equity AUM, alongside SBI and ICICI Prudential. With assets of ₹5.25 lakh crore in equity AUM and 130 mutual fund schemes, HDFC Mutual Fund has solidified its position as a leader, offering diverse investment options to help achieve your financial goals.

📌 Top Performing Funds by HDFC: 1️⃣ HDFC Large and Mid Cap Fund: 25.72% 5-year return, ₹24,508 crore assets. 2️⃣ HDFC Retirement Savings Fund: 25.72% 5-year return, ₹6,168 crore assets. 3️⃣ HDFC Infrastructure Fund: 25.91% 5-year return, ₹2,607 crore assets. 4️⃣ HDFC Small Cap Fund: Impressive 29.36% 5-year return, ₹33,963 crore assets. 5️⃣ HDFC Mid-Cap Opportunities Fund: Leading with a 29.73% 5-year return, ₹77,683 crore assets.

💼 Why HDFC Mutual Funds? Whether it’s large-cap stability or the growth potential in mid and small caps, HDFC Mutual Fund offers a range of options to meet different risk-return profiles. With a minimum SIP investment of just ₹100, starting your wealth journey has never been easier!

📈 SIP Growth Potential: Starting small, your investment can grow steadily over time. For instance, a ₹10,000 SIP in HDFC Small Cap Fund would have turned into ₹51,06,142 in 11 years!

Explore HDFC Mutual Funds to find the scheme that matches your goals and start your wealth journey today!

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[finvestmentpro]

How to Choose Top Gilt Mutual Funds In October 2024

Here are some recommended gilt funds: The Nippon India Gilt Securities Fund has improved its performance, shifting from the fourth quartile to the third quartile in the last two months. The Aditya Birla Sun Life Government Securities Fund has been in the third quartile for the past six months. The Bandhan Government Securities Fund has continuously performed better, remaining in the second quartile for the last seven months.

1. SBI Magnum Gilt Fund:

The SBI Magnum Gilt Fund focuses on investing in government securities with no credit risk, it is ideal for conservative investors looking for stable returns and safety in a changeable interest rate environment.

2. ICICI Prudential Gilt Fund:

This fund invests in government securities and focuses on providing consistent returns by taking advantage of interest rate movements, it is suited for investors with longer investment horizons.

3. Nippon India Gilt Securities Fund:

This fund primarily invests in government bonds and provides low-risk exposure to debt markets. It is a better option for those who are looking to benefit from potential rate cuts by the RBI.

4. Aditya Birla Sun Life Government Securities Fund:

These Funds aim to generate returns by investing in government securities through different maturities, this fund offers safety and long-term capital appreciation potential with minimal credit risk.

5. Bandhan G-sec Fund:

Bandhan G-sec fund offers investors the chance to invest in government securities and focus on maintaining a balance between safety and steady returns, ideal for risk-averse investors looking for stable income.

If you want to take advantage of a possible drop in interest rates, gilt mutual funds could be a better option. However, be cautious: gilt funds carry risks and are highly sensitive to changes in the rate of interest. Because of this, they are best suited for well-informed investors who are ready to take risks and have a long-term investment plan.