Assortment thr

ough systematic investment plans (SIP) in mutual funds increased about 9% in May from April to touch an all-time monthly record of 7,304 crores, rebounding from a dip registered in the first month of FY19.  The 614-crore rise comes after collections through SIPs had fallen to 6,690 crores in April, correlating with 7,119 crores accumulated in the last month of the last Financial year.

May was an explosive month for equities, with events such as the Karnataka state elections, rising. crude prices, Italian political indecision, and hardening bond that revenue keeping the markets on the edge.

 

 

 

Almost investors buy SIP in equity funds and balanced funds. Monthly SIP Assortment have risen from 1,206 crores in March 2014 to 2,719 crore in March 2016 and  7,304 crores in May 2018. And the total SIP collection for the financial year 2017-18 stood at 67,190 crores, correlate with 43,921crore in the previous year, a rise of 53%. As Recently, Reserve bank of India has announced to hike repo rate by 25 basis points to 6.25 percent and reverse repo rate to  6 percent so interest rate on EMI’S and home loan, car loan has become costlier than before so it will definitely affect the financial planning of the common man. Instead of this fixed increase in the policy rate, there could have been a positive impact on fixed deposit.

According to

 financial experts, the home loan has raised as the marginal cost of lending rates increased. If there is no security in the capital market than it will create a big confusion amongst the investor for investing and financial planning. So usually borrowers avoid debt fund investing because it gives lesser returns as compared to equities. Nevertheless, Debt fund is the main instrument for investment and one must have knowledge before investing in debt fund.  Debt fund offers diversification option to the investor. So one’s portfolio can be diversified easily to invest in international funds because this fund provides lesser returns that are more stable than equity fund, using debt fund option you can reduce the overall portfolio risk by diversifying it. Debt fund is highly considered for its high liquidity and investor’s money is a very reserve in these funds because in emergency investor can redeem it so if sometimes you need money in the very short notice so debt fund is the best for that type of situations because it is the ideal place to secure your money