Financial knowledge and investment strategy

Hello Investors, Here is the taxability of Mutual fund schemes which are mentioned here under: Particulars Residents / HUF Dividend Schemes 30% + Surcharge as applicable + 4% cess Notes : TDS @ 10% will be charges on receipt above 5000 Rs in financial Year     Equity Oriented Scheme   Long Term capital gain (Unit hold for more than 12 Months) 10% without indexation + Surcharge as applicable + 4% cess Short Term capital gain (Unit hold for less than 12 Months) 15%   + Surcharge as applicable + 4% cess     Other than Equity oriented Schemes   Long Term capital gain (Unit hold for more than 36 Months) 20% with indexation + Surcharge as applicable + 4% cess Short Term capital gain (Unit hold for less than 36 Months) 30%   + Surcharge as appli

Greeting to all,          H ere i am going to explain you in basic what is mutau fund and its risk and reward ratio, with average return, the details are gather on the basis of my own experience and  due to this Covid effect it may vary, but in general scenario we can expect returns mentioned in table.  The main question asked to investor will be, on which basis fund will be selected; 1.         Risk taking Capacity 2.         Objective of Investment 3.         Time frame of Investment 4.         Liquidity requirement Sr No. Scheme Avg. return or Risk reward Duration Safety of Fund Remark 1. Liquid fund 5 to 6 % PA Can be for 1 day also. Highly Safe, investment in Fixed income fund. Can used against traditional for of Saving bank 2. Debt fund 8 to 9 % PA Can be for longer period may be say for 1 or 6 month or for 1 year Highly

     Advantages of taking Mediclaim, also is it a real alternative of investment???      Is Mediclaim worth to buy 1 say no yaar its waste of money. I have answer to them please go through the blog and decide by yourself whether you should buy mediclaim or not.      Let's take for an example 1 is paying an amount of rupees 75000 for getting cure of heart attack in hospital. Taking out 75000 at a time would be e difficult for the middle class people, but considering the case one has mediclaim of say 200000 rupees for which hi he is paying and amount of 10000 annual, so take an example if he would have taken the policy and got admited in hospital the cost would have been beared by Mediclaim company.      This way we can save small small amount and get the cure of the illness. So now say expending 75000 is good or taking policy and spending 10000 annually is good. The amount i show is adhock but in real we get medicalaim policy at cheaper rate which can be affordable by everyone. So i

     Whether you should take credit card or not? This question has come in our mind many times what are the advantages and disadvantages of credit card.      Not wasting much time let us directly come to disadvantages of credit cards. The biggest disadvantage of credit card is only one from my point of view which is the interest and penalty which we are force to pay if we fail to clear the dues on time. One might be thinking that why why we are starting the blog with disadvantages, the reason being all the advantages which we are getting in credit card let it be in the form of reward point or discount all the things are getting wasted if we don't pay dues on time. The interest, service charge, penalty, all the things cost us more than the benefits. Hence only one thing to keep in mind if you provide us on time the credit card will be the alternate way to save the money. Another disadvantages that we required to pay annual charges because we are using the services of the credit card