Mutual Funds, with assets now exceeding Rs. 23 trillion, are fast evolving into the savings instrument of choice for retail investors across the country. A lot of this growth has been driven by the informative “Mutual Funds Sahi Hai” campaign which is making waves across the country! Although a lot of people still lean towards PPF and Life Insurance to fulfill their Retirement Planning needs (accumulation as well as income distribution), many are starting to realize the unique merits of making retirement-specific or wealth creation investments into Mutual Funds.
With an industry book now exceeding Rs. 7,000 Crores a month, SIP’s or Systematic Investment Plans need no introduction. SIP’s, by themselves, are a very useful tool for Wealth Creation. You can start off with as low Rs.500 per month just to make a beginning and increase your outlay as your income grows. SIP’s in highly volatile funds can be very useful from a Wealth creation standpoint, as you’ll really reap the rewards of Rupee Cost Averaging and Compounding if you can keep it running for about 10 to 12 years.
There are thousands of mutual funds in India and the difference in performance of mutual funds can be as high as 50%. The incorrect mutual fund can hurt your returns. RankMF’s proprietary independent research and rankings platform can guide and find out if the funds you currently hold are the right ones or not! Also help us choose and recommend the best mutual funds among 1000 + schemes available in the industry. Through this platform one can Explore and Compare Top Rated Mutual Funds and Top Ranked Mutual Funds across categories and select sahi mutual funds for you.
Buying mutual fund units on the same of day of each month is plain and simple automation, that's it. A SIP is just automated investing. SIP is NOT a system of smart investing unlike what's sold by media, financial services companies and advisors!
Introducing the RankMF SmartSIP TM System to solve this problem! Based on the margin of safety in the markets, RankMF generates signals which you should follow for your SIPs.
Look out for these signals on the SIP page of each fund.
SmartSIP Invests your Monthly SIP amount in Equity Mutual Funds Units When the Markets are Fairly Valued and Doubles Your Monthly SIP Amount When Markets are Very Under Valued.
SmartSIP Skips Fresh Investments in Equity Schemes When Markets are Expensive and Books Profits/Sells a Part of your Existing Equity Units When Markets are Very Expensive. The sale proceeds and monthly instalment are invested in Liquid Schemes.
SmartSIP Skips Your Investment in Equity Scheme Units and Parks the SIP Amount in Liquid Schemes Which is Later Used to Buy Equity MF Units When Markets Become Inexpensive.
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Smart SIP Invests your Monthly SIP amount in Equity Mutual Funds Units When the Markets are Fairly Valued and Doubles Your Monthly SIP Amount When Markets are Very Undervalued. The sale proceeds and monthly instalments are invested in Liquid Schemes.
Watch This Detailed Video to Understand How Your Current Regular SIP Restricts You From Making More From Your Current Mutual Fund Investments
Register and click here to open MUTUAL FUND account in 3 minutes
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Studies have proved, time and again, that shares (or equities) are one of the best long-term investments in the financial market space. Share prices can go down as well as up so buying shares is not without risk, but over the long term, they can generate good returns.
A person cannot go directly to the stock market to buy or sell shares. Buying and selling of stocks has to be done through brokers. We Futurefin Services, act as an authorised Sub Broker and Business Partner with ICICI Securities Ltd.
ICICI Securities is the member of NSE & BSE and registered as Broker. ICICI Securities provides trading terminals through which the Sub-broker can offer a range of financial products like Equities, Derivatives, Currency Derivatives, FD, Bonds etc to their customers.
Any investment is considered good if it can deliver good returns. In the long run, investment in Equities has delivered better returns as compared to other asset classes like FDs, bonds and other short-term investments.
Investment in Equities is seamless and convenient with technology bringing the stock investment at your fingertips. All it takes is a computer or mobile device with internet access and an online trading account.
ICICIdirect provides you a comprehensive platform to cater all your equity investment needs. We have several tools & innovative features that provide flexibility to your investment journey and also keeps you updated on your investments. With our 3-in-1 account, you can transact across your bank, demat and trading account absolutely hassle-free.
The account would be opened under 3-in-1 facility. The 3-in-1 account is a joint offering by ICICI Bank Ltd. and ICICI Securities Ltd. that integrates the Trading account
(maintained with ICICI Securities Ltd.), Bank account (maintained with ICICI Bank Ltd) and beneficiary demat account (maintained with ICICI Bank Ltd in its capacity as a Depository Participant). The account would be opened after all procedure relating to in person verification & client due diligence, is completed
Our 3-in-1 online trading platform links your banking (your existing bank account), trading and demat accounts, ensuring unmatched convenience for customers.
Following are some of the features in online trading -
Trading in shares: ICICIdirect.com offers you various options while trading in shares
Cash Trading: This is a delivery based trading system, which is generally done with the intention of taking delivery of shares or monies
Margin Product: You can also do an intra-settlement trading upto 3 to 4 times your available funds, wherein you take long buy/ short sell positions in stocks with the intention of squaring off the position within the same day settlement cycle
MarginPLUS Product: Through MarginPLUS you can do an intra-settlement trading upto 25 times your available funds, wherein you take long buy/ short sell positions in stocks with the intention of squaring off the position within the same day settlement cycle. MarginPLUS will give a much higher leverage in your account against your limits
CallNTrade®: CallNTrade® allows you to call on a local number in your city & trade on the telephone through our Customer Service Executives. This facility is currently available in over 11 major states across India
Trading on NSE/BSE: Through ICICIdirect.com, you can trade on NSE as well as BSE
Market Order: You could trade by placing market orders during market hours that allows you to trade at the best obtainable price in the market at the time of execution of the order
Limit Order: Allows you to place a buy/sell order at a price defined by you. The execution can happen at a price more favorable than the price, which is defined by you, limit orders can be placed by you during holidays & non market hours too
eATM: eATM or Equity ATM, is a pathbreaking feature, that lets you receive money, into your bank account on selling your shares in an instant! Get up to ₹ 50,000* credited to your bank account, within 30 minutes, on sales of over 600 BSE stocks without any extra cost!
In order to be able to invest in share market in India, PAN card or an Aadhar card is a mandatory requirement for investing in India.
Register & Click here to open your Demat & Trading account in 3 minute
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We also advise our high net worth individuals and NRI customers to invest through Portfolio Management Service, which offers professional management of their investments with an aim to deliver and ensure consistent returns year on year. It relieves investors from all monitoring hassles with benefits like regular reviews, strong risk management flexibility and makes it an ideal investment avenue. In PMS, portfolio in stocks, fixed income, debt, cash, structured products and other individual securities, managed by a professional money manager or dedicated portfolio managers that can potentially be tailored to meet specific investment objectives. When you invest in PMS, you own individual securities unlike a mutual fund investor, who owns units of the fund. You have the freedom and flexibility to tailor your portfolio to address personal preferences and financial goals.
Under these services, In India mostly the choice as well as the timings of the investment decisions rest solely with the Portfolio Manager.
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For more info on PMS simply call us or click on the Enquiry button
Peer to peer lending (or P2P lending) is one of the most innovative financial products of recent times. It enables creditworthy borrowers lower their cost of loans and individual lenders/investors to lend directly to their peers and community thereby earning higher returns.
We Futurefin Services is an authorised partner with Faircent.com, the market leader in P2P lending space. Faircent.com essentially do is provide a virtual market place where borrowers and lenders can interact directly, without having to go through the traditional financial intermediaries like banks, who have become such behemoths in today’s time that they dictate all terms and conditions for both borrowers and lenders. Faircent is India's first peer-to-peer (P2P) lending platform to receive a Certificate of Registration (CoR) as an NBFC-P2P from the Reserve Bank of India (RBI).
Banks have massive overheads, with thousands of employees to pay and hundreds of branches to maintain. To maintain profitability, banks must take large margins on the money that passes through them. Earning out of the difference in interests (what it pays to depositors and what it charges from borrowers) is the main source of revenue for any bank, and has been the key element in the functioning of all traditional financial institutions.
Faircent helps to eliminate the high margins which banks and financial institutions make on your transactions. This format allows them to keep institutional charges at a bare minimum and they simply pass on this benefit to you.
Thus, whether you are a Borrower or a Lender, you get the best rates at Faircent because we know every % counts!
In today’s environment where investments seldom generate expected returns and most of our savings placed with institutions like banks go into paying service charges to them, Faircent offers a unique opportunity to lend money directly to pre-verified borrowers and earn extra income on idle money.
The Faircent model provides better rates of interest than the traditional model because it removes the intermediaries and connects the lenders directly to the end users – the borrowers. Traditionally, banks and other financial institutions collect money (through savings accounts or deposits like fixed or recurring) at low interest rates (say 6-10%) and lend it to borrowers at much higher rates (18-36%). This margin goes into paying for the high costs they incur like thousands of employees to pay salaries to and hundreds of swanky branches to maintain and so on. Faircent brings borrowers and lenders directly in touch with each other, removes intermediary cost and enables borrowers to access faster and cheaper credit and enable lenders to make greater returns on funds lying idle in bank deposits.
It is a simple win-win situation so go ahead SIGN UP and start lending because every % counts! If you have any queries, CONTACT US and we would be happy to speak to you.
Unlike in the case of conventional financial institutions, it is not Faircent but the Lender who decides how much return they want to earn. Interest rate agreements are entirely between lenders and borrowers across the platform in which Faircent has no intervention. We recommend that investment should be spread, such that returns are a weighted average of the individual loan parts. This is explained through an illustration below.
For example, on a loan of Rs. 150,000 spread across 3 borrowers, for a period of 1 year at various interest rates; the returns can be as follows:
| BORROWER | AMOUNT LENT | RATE | INTEREST EARNING |
|---|---|---|---|
| Mr. X | Rs.50,000 | 12% p.a. | Rs.3,309 |
| Mr.Y | Rs.50,000 | 16% p.a. | Rs.4,439 |
| Mr.Z | Rs.50,000 | 20% p.a. | Rs.5,581 |
| TOTAL | 150,000 | 16% p.a. | Rs.13,329 |
So, in the example above the lender is earning on an average 16% interest on total investment. Also, Interest earnings can be more or less depending on loan amount split across interest rates. For egs the lender may decide to lend only Rs. 20,000/- @ 12% and increase the amount to Rs. 60,000/- @ 16% and to Rs. 70,000/- @ 20%. This will increase the lender’s average return. At Faircent, what amount to lend at what interest rate is controlled by the lender depending on his/her judgment and negotiating skills.
Sounds interesting? SIGN UP now and start making every % counts! Click here to Register as a Lender. To know more on P2P Lending as an investment option, please click on the below Enquiry Button and our team will get back to you.
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