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Mar 11_RH

Here’s How Your Investments Can Beat Coronavirus

As an Indian householder and someone who is up-to-date with current affairs, you must be concerned about your equity-heavy investments, like mutual funds and stocks. Over the past few months, a series of unfortunate events have plagued the Indian markets, starting with the overall slump in the Indian economy to the novel coronavirus COVID-19 and now with the Yes Bank crisis.

And your fears are valid. Indian markets took an 8% hit in a single week. Not only is this unprecedented, but it is also an indication that it is time you looked at other, more stable instruments and not focus too much on mutual funds and stocks.

There are instruments out there that are not so volatile and do not waver due to public sentiment. Mutual fund houses will tell you to give it time, but this is just a theory. There is absolutely no guarantee of how the markets will be performing when you intend to withdraw the funds from your MF.

Investors need to understand that theories belong in the laboratory, not in the real world. In the real world, what matters is guaranteed returns. Fixed returns are the only type of investments you can rely on 100%.

And as you probably already know, it is only when you can rely on returns fully that you can actually plan finances accurately and peacefully, without being anxious if your larger life goals will be met or not.

Comparison of Features

Here is a simple comparison of features between mutual funds and guaranteed plans:

  • MFs don’t guarantee returns and are highly volatile
    Guaranteed plans give the promised returns without fail
  • MFs attract high fund-management charges
    Guaranteed plans have low fund-management charges
  • MFs have a high tax burden with 10% LTCG Tax
    Guaranteed plans actually reduce tax burden
  • MFs have no life cover
    Guaranteed plans come with in-built life cover

With the ability to plan future finances worry-free, these returns can be used for any of life’s important milestones, like for your child’s education, for your retirement, for a foreign vacation, and many others.

Further Reading:


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