Mutual fund investors may find themselves confused looking at the thousands of mutual fund schemes available in the market. With so many schemes to choose from, it becomes difficult for the investor to zero in on schemes that meet the financial objectives and requirements specific to the investor. So, how do you go about choosing a scheme that is just right for you?

Mutual funds have specific cut-off timings which an investor has to take into account while submitting application and making payments. The fund house determines the NAV at which the investor gets the units of the scheme depending on the time of submission of the application and payment made. 

Since the last couple of months, mutual fund investors have been receiving letters and emails from fund houses informing them about the change in total expense ratio (TER) of the scheme they have invested in. If you are one among them, you might have wondered what you should make of it. 

Usage of credit card abroad attracts various kinds of charges which can inflate your credit card bill quite a lot. Some of these charges include foreign currency conversion fee, transaction charge, cash withdrawal fee, etc. plus the mark-up charges as applicable.

The unpredictability of events in life and the uncertainty of life itself lend significance to life insurance.  Life insurance protects the near and near ones from the unexpected vagaries of life such as road, rail or air accidents, critical illnesses such as cancer, stroke, heart attack, paralysis, etc. and from the eventuality of death itself.

Mutual fund houses launch bond funds for conservative investors who expect steady returns on their investments. That apart, bond funds are also more tax-efficient than fixed deposits for investors in the higher tax bracket. However, there are certain risks associated with bond funds. Let us examine the kind of risks that bond funds are exposed to.

If you are among those who rush to invest in initial public offers (IPOs) of companies, you need to know how to decide which IPOs to invest in and which ones to avoid. If you go by the hype and the hoopla in the market, you may be in for a shock if the company goes down under.

The investment horizon is a crucial factor that determines the returns on the investment. This factor is often overlooked by investors who expect to make a quick buck on the stock market within a matter of a few days or weeks. 

Banks and financial institutions nowadays consider the credit score of a person applying for a loan to determine the creditworthiness of the person and, depending on the credit score, they decide whether to approve the loan application or reject it.

Mutual fund houses offer two options for investing in a mutual fund scheme, namely, Regular and Direct. But most of the mutual fund investors are unaware about these options, and even if they are aware, they do not know the difference between the two.