{"id":12542,"date":"2020-11-05T05:46:02","date_gmt":"2020-11-05T05:46:02","guid":{"rendered":"\/blog\/?p=12542"},"modified":"2025-02-06T10:46:43","modified_gmt":"2025-02-06T10:46:43","slug":"going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund","status":"publish","type":"post","link":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/","title":{"rendered":"Going Equity Shopping this Diwali? \u2013 5 Things to tick off before Investing in a Mutual Fund"},"content":{"rendered":"\n

The festive season is around the corner and markets are getting back on track given the state of the current economic conditions. Businesses have historically boomed even in the worst times, and those who seized that moment are now reaping the benefits of a good mutual fund<\/a>. So this Diwali if you plan on taking your bonuses into the market – here are a few things to keep in mind for your investment portfolio. <\/p>\n\n\n\n

What\u2019s at stake? <\/strong><\/h2>\n\n\n\n

Say you have Rs. 50,000 with you and it\u2019s mostly in a fixed deposit with your bank. What\u2019s better than equity mutual funds, when the market has corrected around 30% of it in a month? But you need to think if you would need that money in the next 7-10 years, or if it would become your \u2018in case of emergency break the deposit\u2019 money.  If that is the case, then instant redemption funds are your best option. These are liquid funds<\/a> that you can redeem in an instant. You can withdraw Rs.50,000 or 90% of your investment within 30 minutes. So, weigh your options and invest accordingly. <\/p>\n\n\n\n

How much is your cover and is it enough? <\/strong><\/h2>\n\n\n\n

Before you think about equity mutual funds of any kind, evaluate\nyour financial status. Is my family\u2019s health insurance enough or should I get a\nrider on that? Is my life insurance policy enough? Because as things are right\nnow, you will need the liquid cash to cover your unforeseen medical expenses.\nKeep in mind that a cover of Rs. 1 -5 lakhs won\u2019t cut it and most financial\nadvisors would suggest keeping a minimum of Rs. 10 Lakhs as cover, while in\nsome cases it even goes beyond Rs.20 lakhs. Markets may come and go, but you\nonly have one life and so does your family. Ensure that everyone is well taken\ncare of, even in cases of emergencies. If all this is crossed off your list and\nyou still have money to dig for mutual fund investments, then hop on. <\/p>\n\n\n\n

Additional Read: <\/strong>Understanding Mutual Fund Terminologies<\/a><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Take calculated risks <\/strong><\/h2>\n\n\n\n

Indian markets have fallen sharper and bounced back in record\ntime before. Does this mean that this time, the exact same thing will happen\nagain? Not necessarily. Every situation is different, and you must be prepared\nfor one in which things don\u2019t go well. The market will correct itself, but you\ncan\u2019t be sure when.  Keep the safety of\nyour family in mind, and take only the risks that you can absorb. If you\nrealize that you aren\u2019t open to adventure, you might want to turn towards\nmutual funds which will give you the best of both worlds- growth and stability.\n<\/p>\n\n\n\n

Do your own research <\/strong><\/h2>\n\n\n\n

Before investing in equity mutual funds or any fund for that\nmatter, check for four things \u2013 <\/p>\n\n\n\n

1. The current risk profile<\/p>\n\n\n\n

2. The scope of growth<\/p>\n\n\n\n

3. The scheme policies <\/p>\n\n\n\n

4. Your options for liquidity. <\/p>\n\n\n\n

There are many funds to look at but some mutual funds like focused funds<\/a> where the maximum investment cap is 30 stocks or a thematic fund that target a select sector with 80% of the asset in equity are viable options for your investment portfolio. <\/p>\n\n\n\n

For example a thematic mutual fund in the healthcare sector right now is what everyone would bet on, and it\u2019s the reality since the sector is booming right now. You could look at all these options or just go with an ELSS<\/a> which not only becomes a tax-saving option but also a good future planning too – plus they have a minimum lock-in period of 3 years and the minimum investment in equities must be 80% of total assets. <\/p>\n\n\n\n

Additional Read: <\/strong>Is ELSS a Wealth Creation &\nTax-Saving Tool?<\/a><\/p>\n\n\n\n

This festive season, choose your celebration<\/strong><\/h2>\n\n\n\n

The market is going to revive sooner or later, as usual. But if you can\u2019t afford to be patient, explore other options such as mutual funds. Mutual funds come with a wide variety of portfolio choices ranging from equity heavy to debt heavy and everything in between. If you think that you might need your funds urgently, you can opt for instant redemption funds. To know more about each of these options, track your portfolio, and receive analytical insights, all you have to do is download the Tata Capital Moneyfy’s mutual fund app<\/a>. <\/p>\n\n\n\n

Download Moneyfy App<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

The festive season is around the corner and markets are getting back on track given the state of the current economic conditions. <\/p>\n

Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":12551,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[69],"tags":[],"yoast_head":"\nEquity shopping this Diwali? Things to tick off before Investing in mutual fund - Tata Capital Blog<\/title>\n<meta name=\"description\" content=\"Looking to shine up your investment portfolio with Equity Mutual Funds? Here are a few things to keep in mind when it comes to mutual fund investments. Know more!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Equity shopping this Diwali? Things to tick off before Investing in mutual fund - Tata Capital Blog\" \/>\n<meta property=\"og:description\" content=\"Looking to shine up your investment portfolio with Equity Mutual Funds? Here are a few things to keep in mind when it comes to mutual fund investments. Know more!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/\" \/>\n<meta property=\"og:site_name\" content=\"Moneyfy Blog\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-05T05:46:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-06T10:46:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-content\/uploads\/2020\/11\/equity-mutual-funds-this-diwali-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/\",\"url\":\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/\",\"name\":\"Equity shopping this Diwali? Things to tick off before Investing in mutual fund - Tata Capital Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\"},\"datePublished\":\"2020-11-05T05:46:02+00:00\",\"dateModified\":\"2025-02-06T10:46:43+00:00\",\"author\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/d82891f59a900962b0e93fee2be1099b\"},\"description\":\"Looking to shine up your investment portfolio with Equity Mutual Funds? Here are a few things to keep in mind when it comes to mutual fund investments. Know more!\",\"breadcrumb\":{\"@id\":\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Going Equity Shopping this Diwali? \u2013 5 Things to tick off before Investing in a Mutual Fund\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/\",\"name\":\"Moneyfy Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/d82891f59a900962b0e93fee2be1099b\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0e9e78de7f84add076f397dd13acc708?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0e9e78de7f84add076f397dd13acc708?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/www.tatacapitalmoneyfy.com\/blog\"],\"url\":\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Equity shopping this Diwali? Things to tick off before Investing in mutual fund - Tata Capital Blog","description":"Looking to shine up your investment portfolio with Equity Mutual Funds? Here are a few things to keep in mind when it comes to mutual fund investments. Know more!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Equity shopping this Diwali? Things to tick off before Investing in mutual fund - Tata Capital Blog","og_description":"Looking to shine up your investment portfolio with Equity Mutual Funds? Here are a few things to keep in mind when it comes to mutual fund investments. Know more!","og_url":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/","og_site_name":"Moneyfy Blog","article_published_time":"2020-11-05T05:46:02+00:00","article_modified_time":"2025-02-06T10:46:43+00:00","og_image":[{"width":770,"height":400,"url":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-content\/uploads\/2020\/11\/equity-mutual-funds-this-diwali-1.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/","url":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/","name":"Equity shopping this Diwali? Things to tick off before Investing in mutual fund - Tata Capital Blog","isPartOf":{"@id":"https:\/\/www.tatacapital.com\/blog\/#website"},"datePublished":"2020-11-05T05:46:02+00:00","dateModified":"2025-02-06T10:46:43+00:00","author":{"@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/d82891f59a900962b0e93fee2be1099b"},"description":"Looking to shine up your investment portfolio with Equity Mutual Funds? Here are a few things to keep in mind when it comes to mutual fund investments. Know more!","breadcrumb":{"@id":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/equity-funds\/going-equity-shopping-this-diwali-5-things-to-tick-off-before-investing-in-a-mutual-fund\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Going Equity Shopping this Diwali? \u2013 5 Things to tick off before Investing in a Mutual Fund"}]},{"@type":"WebSite","@id":"https:\/\/www.tatacapital.com\/blog\/#website","url":"https:\/\/www.tatacapital.com\/blog\/","name":"Moneyfy Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/d82891f59a900962b0e93fee2be1099b","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0e9e78de7f84add076f397dd13acc708?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0e9e78de7f84add076f397dd13acc708?s=96&d=mm&r=g","caption":"admin"},"sameAs":["https:\/\/www.tatacapitalmoneyfy.com\/blog"],"url":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/author\/admin\/"}]}},"featured_image_url":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-content\/uploads\/2020\/11\/equity-mutual-funds-this-diwali-1.jpg","_links":{"self":[{"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/posts\/12542"}],"collection":[{"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/comments?post=12542"}],"version-history":[{"count":7,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/posts\/12542\/revisions"}],"predecessor-version":[{"id":37839,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/posts\/12542\/revisions\/37839"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/media\/12551"}],"wp:attachment":[{"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/media?parent=12542"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/categories?post=12542"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/tags?post=12542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}