A mutual fund is the investment product. SIP (Systematic Investment Plan) is simply a way to buy it — a fixed amount, deducted automatically, at regular intervals. You can invest in the same mutual fund as a lump sum or through an SIP. The fund does not change; only your method of investing does. Key
Fixed income mutual funds — also called debt mutual funds — pool investor money to buy bonds, treasury bills, and other interest-earning instruments. They aim for steadier, lower-risk returns than equity funds, but they are not risk-free and their entire gain is now taxed at your income tax slab rate. Key Facts Debt mutual funds
CAGR (Compound Annual Growth Rate) is the single yearly rate at which an investment would have grown, if it had grown steadily every year. The formula: (Ending Value ÷ Starting Value) raised to the power of (1 ÷ number of years), minus 1. Use CAGR for lump-sum investments held one year or longer. Key Facts
You can build wealth on a limited income by starting small, automating your savings, and staying consistent. Begin a SIP with as little as ₹500 a month, build a starter emergency fund first, and raise your SIP amount every year as your salary grows. Time in the market matters more than the size of your
Quick answer: Regular financial planning means saving whatever you can, whenever you can. Goal-based financial planning works backward from a real target — your child’s education, your retirement, a home — and calculates exactly how much to invest, in what, and for how long, to reach it on time. Key Facts Goal-based planning starts from
Quick Summary Direct Answer: A term insurance plan gives pure, low-cost life cover with no savings component, while a traditional plan (endowment or guaranteed plan) bundles insurance with a low-return savings element, typically 4.5–6% XIRR. Buying term cover and investing the difference separately — for example through an equity mutual fund SIP — usually builds
A professional mutual fund portfolio review checks your funds for overlap, wrong risk level, and mismatched goals — something a simple app dashboard cannot do. If you started SIPs on your own and never had a second look, a review helps you catch costly gaps before they compound. Key Facts SEBI now requires fund houses
A complete family financial plan has three layers, in order. First, term insurance and health cover to protect income. Then an emergency fund. Then SIPs matched to your child’s school and college years. Start young, automate the SIP, and review the plan every year. Key Facts Section 80C allows a deduction of up to ₹1,50,000
Direct Answer: A family of four typically needs term cover worth 12–15 times the earning member’s annual income, plus outstanding loans and children’s education costs, minus existing savings and cover. For a household earning ₹12 lakh a year with a home loan, this often works out to ₹1.5–2 crore in total term cover — verify
Direct Answer: Before you buy health insurance in Chennai, check three things: network hospitals near you, waiting periods, and how the insurer handles claims. Before you file a claim, keep your ID, policy number, and hospital papers ready, and tell your insurer early. IRDAI requires insurers to decide on cashless requests within one hour. Final
Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. Before making an investment, please contact the investment expert at Deepak Wealth Framework for designing a portfolio that suits your needs. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
AMFI Registered Mutual Fund Distributor | ARN - 328771 | Date of Initial Registration: 14/05/2025 | Current Validity: 13/05/2028.
