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    1. #1
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      Different Schemes of Mutual Funds Available in India

      1. Open - Ended Schemes:

      An open-end fund is one that is available for subscription all through the year. These do not have a fixed maturity. Investors can conveniently buy and sell units at Net Asset Value ("NAV") related prices. The key feature of open-end schemes is liquidity.

      2. Close - Ended Schemes:

      These schemes have a pre-specified maturity period. One can invest directly in the scheme at the time of the initial issue. Depending on the structure of the scheme there are two exit options available to an investor after the initial offer period closes. Investors can transact (buy or sell) the units of the scheme on the stock exchanges where they are listed. The market price at the stock exchanges could vary from the net asset value (NAV) of the scheme on account of demand and supply situation, expectations of unitholder and other market factors. Alternatively some close-ended schemes provide an additional option of selling the units directly to the Mutual Fund through periodic repurchase at the schemes NAV; however one cannot buy units and can only sell units during the liquidity window. SEBI Regulations ensure that at least one of the two exit routes is provided to the investor.

      3. Interval Schemes:

      Interval Schemes are that scheme, which combines the features of open-ended and close-ended schemes. The units may be traded on the stock exchange or may be open for sale or redemption during pre-determined intervals at NAV related prices.

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    3. #2
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      Re: Different Schemes of Mutual Funds Available in India

      the open ended schem and the close ended schem are the only two that interest to me ,but befor i involve my self in this kind of trading i will rather seek advice from a reputable broker

    4. #3
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      Re: Different Schemes of Mutual Funds Available in India

      It is the first time I am reading about an open-ended mutual fund scheme. And I would assume that there is big fee to be paid when you want to get back of your investment, just like when you want to withdraw your money in a time-deposit account.

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      Re: Different Schemes of Mutual Funds Available in India

      Fees are not much for the government based work but in case of company based mutual funds fees are high. So you have to check that before investing. The open and close ended both are more risky and you have to rely on your understanding of the schemes to make money out of them.

    6. #5
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      Re: Different Schemes of Mutual Funds Available in India

      very correct and clearly you defined the scheme of mutual fund. Thank you so much. it is very absolute explanation of open-end and close-end scheme of mutual fund.

    7. #6
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      Re: Different Schemes of Mutual Funds Available in India

      There are a wide variety of Mutual Fund schemes that cater to your needs, whatever your age, financial position, risk tolerance and return expectations. Whether as the foundation of your investment programme or as a supplement, Mutual Fund schemes can help you meet your financial goals?
      (A) By Structure


      Open-Ended Schemes
      These do not have a fixed maturity.You deal with the Mutual Fund for your investments and redemptions.The key feature is liquidity.You can conveniently buy and sell your units at Net Asset Value(NAV) related prices, at any point of time.

      close ended schemes.
      Schemes that have a stipulated maturity period (ranging from 2 to 15 years) are called close ended schemes. You can invest in the scheme at the time of the initial issue and thereafter you can buy or sell the units of the scheme on the stock exchanges where they are listed. The market price at the stock exchange could vary from the scheme’sNAV on account of demand and supply situation, unitholders’ expectations and other market factors. One of the characteristics of the close-ended schemes is that they are generally traded at a discount to NAV; but closer to maturity, the discount narrows.Some close-ended schemes give you an
      additional option of selling your units to the Mutual Fund through periodic repurchase at NAV related prices. SEBI Regulations ensure that at least one of the two exit routes are provided to the investor under the close ended schemes.

    8. #7
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      Re: Different Schemes of Mutual Funds Available in India

      The mutual fund will have a fund manager (team of experts) who is responsible for investing the gathered money into specific securities (stocks or bonds). When you invest in a mutual fund, you are buying units or portions of the mutual fund and thus on investing becomes a shareholder or unit holder of the fund. The profits or losses are shared by the investors in proportion to their investments. The mutual funds normally come out with a number of schemes with different investment objectives which are launched from time to time. A mutual fund is required to be registered with Securities and Exchange Board of India (SEBI) which regulates securities markets before it can collect funds from the public.

    9. #8
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      Re: Different Schemes of Mutual Funds Available in India

      Introduction

      Different investment avenues are available to investors. Mutual funds also offer good investment opportunities to the investors. Like all investments, they also carry certain risks. The investors should compare the risks and expected yields after adjustment of tax on various instruments while taking investment decisions. The investors may seek advice from experts and consultants including agents and distributors of mutual funds schemes while making investment decisions.

      With an objective to make the investors aware of functioning of mutual funds, an attempt has been made to provide information in question-answer format which may help the investors in taking investment decisions.

      What is a Mutual Fund?

      Mutual fund is a mechanism for pooling the resources by issuing units to the investors and investing funds in securities in accordance with objectives as disclosed in offer document.

      Investments in securities are spread across a wide cross-section of industries and sectors and thus the risk is reduced. Diversification reduces the risk because all stocks may not move in the same direction in the same proportion at the same time. Mutual fund issues units to the investors in accordance with quantum of money invested by them. Investors of mutual funds are known as unitholders.

      The profits or losses are shared by the investors in proportion to their investments. The mutual funds normally come out with a number of schemes with different investment objectives which are launched from time to time. A mutual fund is required to be registered with Securities and Exchange Board of India (SEBI) which regulates securities markets before it can collect funds from the public.

    10. #9
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      Re: Different Schemes of Mutual Funds Available in India

      These days, different types of Indian Mutual Fund Schemes have come up which cater to your various financial needs like financial position, return expectations, risk tolerance and others. Here is a list of the different types of Mutual Fund in India.

      Indian Mutual Fund Schemes

      Open-ended Mutual Fund Schemes in India - There is no fixed maturity for the open-ended mutual fund schemes. One has to deal directly with the Mutual Fund for his/her redemptions and investments. Liquidity is the key feature here. Buying and selling of the units becomes convenient at the related prices of the NAV (net asset value). Some of the open-ended fund schemes in India are ING OptiMix Active Debt Multi - Manager FoF Scheme, ICICI Prudential Very Cautious Plan and Birla Sun Life AAF - Aggressive Plan.
      Close-ended Mutual Fund Schemes in India - Close -ended schemes are those which have a specified maturity period (which generally ranges from 2 - 15 years). At the time of initial public issue one can make direct investment in the scheme and can also get the benefit of buying and selling of the units. Due to demand and supply in the market plus the policy holders' expectations and various other market factors, the market price may vary from NAV (Net Asset Value). Some of the close-ended fund schemes in India are ING Vysya Dynamic Asset Allocation Fund and Kotak Dynamic Asset Allocation Scheme.

    11. #10
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      Re: Different Schemes of Mutual Funds Available in India

      Basics of mutual funds

      The article mentioned below, is for the investors who have not yet started investing in mutual funds, but willing to explore the opportunity and also for those who want to clear their basics for what is mutual fund and how best it can serve as an investment tool.

      Getting Started
      Before we move to explain what is mutual fund, it’s very important to know the area in which mutual funds works, the basic understanding of stocks and bonds.
      Stocks
      Stocks represent shares of ownership in a public company. Examples of public companies include Reliance, ONGC and Infosys. Stocks are considered to be the most common owned investment traded on the market.
      Bonds
      Bonds are basically the money which you lend to the government or a company, and in return you can receive interest on your invested amount, which is back over predetermined amounts of time. Bonds are considered to be the most common lending investment traded on the market.
      There are many other types of investments other than stocks and bonds (including annuities, real estate, and precious metals), but the majority of mutual funds invest in stocks and/or bonds.

    12. #11
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      Re: Different Schemes of Mutual Funds Available in India

      There are three different types of scheme of Mutual Funds available in India depending upon the maturity factor and they are Open Ended Scheme of Mutual Funds, Close Ended Scheme of Mutual Funds and Interval Schemes of Mutual Funds.

    13. #12
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      Re: Different Schemes of Mutual Funds Available in India

      I am reading about an open-ended mutual fund scheme. And I would assume that there is big fee to be paid when you want to get back of your investment, just like when you want to withdraw your money in a time-deposit account.

    14. #13
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      Re: Different Schemes of Mutual Funds Available in India

      Getting Started
      Before we move to explain what is mutual fund, it’s very important to know the area in which mutual funds works, the basic understanding of stocks and bonds.
      Stocks.....

    15. #14
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      Re: Different Schemes of Mutual Funds Available in India

      These schemes have a pre-specified maturity period. One can invest directly in the scheme at the time of the initial issue. Depending on the structure of the scheme there are two exit options available to an investor after the initial offer period closes. Investors can transact (buy or sell) the units of the scheme on the stock exchanges where they are listed. The market price at the stock exchanges could vary from the net asset value (VAN) of the scheme on account of demand and supply situation, expectations of unit holder and other market factors. Alternatively some close-ended schemes provide an additional option of selling the units directly to the Mutual Fund through periodic repurchase at the schemes VAN; however one cannot buy units and can only sell units during the liquidity window. DEBI Regulations ensure that at least one of the two exit routes is provided to the investor.

    16. #15
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      Re: Different Schemes of Mutual Funds Available in India

      from 2 to 15 years) are called close ended schemes. You can invest in the scheme at the time of the initial issue and thereafter you can buy or sell the units of the scheme on the stock exchanges where they are listed. The market price at the stock exchange could vary from the scheme’sNAV on account of demand and supply situation, unit-holders’ expectations and other market factors. One of the characteristics of the close-ended schemes is that they are generally traded at a discount to NAV; but closer to maturity, the discount narrows.Some close-ended schemes give you an
      additional option of selling your units to the Mutual Fund

    17. #16
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      Re: Different Schemes of Mutual Funds Available in India

      There are different types of mutual funds schemes. I knew about open ended schemes. Thanks for sharing this info.

    18. #17
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      Re: Different Schemes of Mutual Funds Available in India

      Yes there are various kind of mutual funds are in practice in India like Mutual Funds available in India depending upon the maturity factor and they are Open Ended Scheme of Mutual Funds, Close Ended Scheme of Mutual Funds and mutual schemes of interval.

    19. #18
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      Re: Different Schemes of Mutual Funds Available in India

      Fees are not much for the government based work but in case of company based mutual funds fees are high. So you have to check that before investing. The open and close ended both are more risky and you have to rely on your understanding of the schemes to make money out of them.

    20. #19
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      Re: Different Schemes of Mutual Funds Available in India

      i think Open - Ended Schemes:
      An open-end fund is one that is available for subscription all through the year. These do not have a fixed maturity. Investors can conveniently buy the share.

    21. #20
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      Re: Different Schemes of Mutual Funds Available in India

      The mutual fund will have a fund manager (team of experts) who is responsible for investing the gathered money into specific securities (stocks or bonds). When you invest in a mutual fund, you are buying units or portions of the mutual fund and thus on investing becomes a shareholder or unit holder of the fund. The profits or losses are shared by the investors in proportion to their investments. The mutual funds normally come out with a number of schemes with different investment objectives which are launched from time to time. A mutual fund is required to be registered with Securities and Exchange Board of India (SEBI) which regulates securities markets before it can collect funds from the public.

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