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  • What are Equity Mutual Funds?

    Mutual funds that invest in equity (also called stocks or shares) are called Equity Mutual Funds. The objective of Equity Mutual Funds is the Capital appreciation of the investments. The returns of these Equity funds are tied to the stock markets. Various types of Equity Mutual funds are Large Cap, Small/Mid Cap, Flexicap and Sector Funds.

    Ocean Finvest Smart Tip 1: Equity Mutual funds are best suited for aggressive investors who are looking for medium to long term investment horizon (at least 3 years +). Check out the 3 or 5 Years Annualized returns of the Equity funds on our website to validate the same for yourself.

    Ocean Finvest Smart Tip 2: There is Zero Capital gains tax on equity mutual funds if the customer stays invested for more than 1 year.


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  • What are Equity-Small/Mid-Cap Mutual Funds?

    These funds invest in companies which have Small or Mid sized capitalization on stock markets. For examples IndusInd Bank, Blue Dart, Eveready Industries etc.

    Ocean Finvest Smart Tip: The stock prices of these companies can fluctuate a lot more than the stock price of large cap companies but they can give better returns over a longer term of investment. Recommended period of investment is 5 years plus.


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  • What are Equity-Flexi Cap Mutual Funds?

    These funds have the flexibility to invest in companies irrespective of their size. For example the fund manager can invest in a large cap company like Infosys Ltd as well as Mid Cap company like Blue Dart if he/she believes that the stocks can give better returns.

    Ocean Finvest Smart Tip: These funds give the flexibility to the fund manager to select the stocks of companies of his choice irrespective of their market capitalization. This in turn can help him/her in generating better returns for the investors. Recommended period of investment is 5 years plus.


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  • What are Equity-Sector Mutual Funds?

    These funds invest in companies of particular industry sectors or business. For example Technology sector funds invest only in technology companies like Infosys Ltd, TCS, HCL Technologies etc. There are different kinds of sector funds like FMCG, Financial Services, Pharma, Energy, Precious metals etc.

    Ocean Finvest Smart Tip: The returns of these funds can be very cyclical in nature as the returns from these funds are totally dependent on that particular sector doing well and hence the risks of these funds are not diversified enough. Invest in these sector funds only and only if you have a very good understanding of the sector that you are going to invest in.


    Explore Top Equity-Energy Funds , Explore Top Equity-Financial Services Funds , Explore Top Equity-FMCG Funds , Explore Top Equity-Healthcare Funds , Explore Top Equity-Precious Metals Funds , Explore Top Equity-Technology Funds
  • What are Debt Mutual Funds?

    These Mutual Funds invest in various debt / fixed income securities like Central and State government securities, money market securities, commercial papers corporate bonds and corporate debentures.

    Ocean Finvest Smart Tip 1: Debt Mutual funds are best suited for investors who are risk averse and are looking for more stable and regular returns for their investments. These investors can benefit immensely from the Indexation benefit provided by the government on taxation for Long Term capital gains tax on these funds. Long term Capital Gains tax on Debt funds is 20% with indexation benefits. This benefit can be availed by staying invested in these funds for more than 3 years. These funds are, therefore, a much better investment option than Fixed/Recurring Deposits any day. For example while post tax returns of a 9% yielding FD would have been 6%, post tax returns from a same return generating Debt Mutual Fund would have been 8.8%. A whopping 50% more return than FD. Still investing your money in FDs year after year????? Check out the 3 or 5 Years Annualized post tax returns of the Debt funds on our website to validate the same for yourself.

    Ocean Finvest Smart Tip 2: Debt Mutual funds can also be a great investment option for investors who, although, have risk taking ability and willingness for Equity Mutual funds but think that the current valuations in the markets are very high and want to invest in equity markets only after a correction. These investors can park their money in Debt Mutual Funds for the interim. This would be still a better option than parking money in Fixed deposits as FDs levy a penalty of 1-2 percent for premature withdrawals. However, debt mutual funds are very liquid and many debt funds do not impose any penalty on withdrawal. So the investor can get much better returns than FD from his Mutual Fund investments.

    Ocean Finvest Smart Tip 3: Some Debt mutual funds with high and medium term to maturity can give fabulous returns to the customers in a falling interest rate environment. This is because the bond prices move up when interest rates go down and vice versa.


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  • What are Debt-Long Term Government Bond Funds?

    These funds invest primarily in Government Securities of high term to maturity. Since these funds invest in government bonds there is no credit default risk on these funds.

    Ocean Finvest Smart Tip: These funds valuations are very sensitive to Interest rate movement. If the interest rates go down, the valuations of these funds increase and vice versa. It is best to invest in these funds when interest rates are on a downward trend in the country. These funds can generate fabulous returns for the customers in a falling interest rate scenario.

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  • What are Debt-Intermediate Term/Intermediate Term Government Bond Funds?

    These funds invest Securities of medium term to maturity. The Intermediate term government bond funds only invest in government securities.

    Ocean Finvest Smart Tip: These funds valuations are less sensitive to Interest rate movement as compared to Long term funds. Investors can invest and stay invested in these funds for a period of 3 years to get Tax indexation benefits.


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  • What are Debt-Corporate Credit Funds?

    These funds invest primarily into corporate debt, deposits and debentures.

    Ocean Finvest Smart Tip: Investors can look to get better returns in low interest environment by investing in these funds as they hold securities bearing higher interest rates. Investors can invest and stay invested in these funds for a period of 3 years to get Tax indexation benefits.
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  • What are Liquid Plus Mutual Funds?

    Ocean Finvest has designed this category wherein we have selected Debt funds and Liquid Funds which have relatively short terms to Maturity as compared to Long term and Intermediate Term Funds. Liquid Funds, Ultra Short Term Funds and Short Term Funds are part of this Ocean Finvest Category. These funds invest in Government securities, corporate debt, Money Markets etc.

    Ocean Finvest Smart Tip 1: Investors can invest in these funds if their investment horizon is less than 1 year. These funds beat FDs as they are highly liquid (can be withdrawn any time without any penalties unlike FDs).

    Ocean Finvest Smart Tip 2: These funds can generate better returns than FDs even in the short term.

    Ocean Finvest Smart Tip 3: Indexation benefits (explained above for Debt funds) are also applicable to these category for funds and customers can invest in these low risk funds to generate better overall returns for themselves than what they get for their Fixed Deposit investments. Check out the 3 or 5 Years Annualized post tax returns of the Liquid Plus funds on our website to validate the same for yourself.


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  • What are Liquid/Money Market Funds?

    These funds invest in Money market instruments and securities with very short term to maturity (lesser than 90 days). These funds are not impacted too much by interest rate movements and typically give very stable returns to the customers.

    Ocean Finvest Smart Tip: investors with less than 3 months of investment horizon can invest in these funds. Investors can also keep 10-20% of their investments in these funds to ensure that they do not have to prematurely withdraw their other investments in case of an emergency or urgent money requirement.

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  • What are Ultra Short Term Funds?

    Ultra short term funds invest in fixed income instruments and debt securities which are mostly liquid and have short term maturities.

    Ocean Finvest Smart Tip: Investors can avoid the interest rate movement risks and generate more returns than Money market instruments by investing in Ultra Short terms funds. Investors with Investment horizon of less than 6 months should invest in these funds.


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  • What are Short Term/Short Term Government Bond Funds?

    These funds invest in fixed income and debt instruments with short term maturity. Government bond funds invest only in Central and State government issued securities.

    Ocean Finvest Smart Tip: Investors with investment horizon of less than 1 year can invest in these funds and generate better returns than either Liquid or Ultra Short term funds. Investors who are very risk averse and want stable returns can also keep invested for 3 years to gain Indexation benefits for taxation.


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  • What are Arbitrage Funds?

    These funds take advantage of the differential pricing between stocks in the Cash market vis a vis the prices of the same stock’s future in the futures markets. Additionally, these funds park their money in short term maturity debt securities and money market securities and hence have very low risk.

    Ocean Finvest Smart Tip: these funds can be invested in by customers with investment horizon of less than one year. Since these funds are treated like Equity funds from a taxation standpoint, the short term capital gains tax for these funds are only 15% as opposed to short term capital gains tax of almost 33% tax on debt funds and FDs.


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  • What are Tax Saving Funds or Equity Linked Savings Scheme (ELSS)?

    These funds are eligible for tax deductions under Section 80 C. These funds invest in stocks and are hence linked to stock markets. These funds have a lock in period of 3 years and hence the investors can not withdraw their money before the 3 year period.

    Ocean Finvest Smart Tip: These funds provide excellent opportunity to investors for saving taxes while generating better returns than all other tax saving products available in the market right now. Check out the 3 and 5 years returns of these funds on our website and validate for yourself how these are better than any other Tax Saving product e even from a Liquidity or Taxation perspective. Additionally the capital gains from these funds are also zero since these funds are treated like Equity funds for their taxation.


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  • What are Balanced–Equity Funds?

    These funds invest primarily (above 65%) in stocks and the rest in debt and fixed income securities. These funds have moderate risk as compare to pure Equity funds.

    Ocean Finvest Smart Tip: These funds are treated like Equity funds for their taxation and hence there is Zero tax on capital gains if you hold these funds for more than 1 year. Investors can invest in these funds if they are looking for more stable returns than pure equity funds.


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  • What are Balanced–Debt Funds?

    These funds invest primarily in debt and fixed income securities and the rest money in Stocks. These funds have moderate risk as compare to pure Equity funds.

    Ocean Finvest Smart Tip: These funds are treated like Debt funds for their taxation and hence there are indexation benefits available if you hold these funds for more than 3 years. Moderate Investors who are looking to add a small kicker to their returns can invest in these funds and hold them for a period of more than 3 years and also get indexation benefits on taxation.


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