Managing more than 85 Crore AUM since 15 years
with over 1500 Satisfied Customers
Mutual Fund - What’s That?
Mutual Fund is a trustee or an Asset Management Company ( AMC ) like HDFC, ICICI, AXIS, Sundaram etc, where investors deposit the money in AMC and AMC takes up the responsibility of investing those money in various stocks through their expertise and when the invested money which gets to a profitable level, due to market rise, the money is then credited to the investors.
Now, let’s talk about NAV ( Net Asset Value ) . It is basically the Unit Price in Mutual Fund Scheme. Let’s understand this with an example. Suppose, one buys 10 Units of HDFC Top 100 Fund with a NAV of Rs. 10, his total Investment is Rs. 100. The Value of NAV fluctuates during market rise or market fall.
Why should one Invest In Mutual Funds ?
- MUTUAL FUND gives a HIGH RETURN of 12-15 % Return Yearly which may also increase sometimes
- Moreover, investors get the benefit of withdrawing their money as per their need and still they will get interest on their existing investment amount
- Mutual Fund Investment are totally Transparent in Nature and there is nothing to Hide or there isn’t any Duplicity
- Since Fund Managers are working on the stocks and have been in these fields for a long period of time, they carry a Professionalism within their work
SIP Today
You must have heard people saying ‘ Invest In Mutual Fund ’ but what is SIP all about?
SIP is an Investment Procedure where a Fixed Amount is deposited on a Fixed Date , just like depositing money in a Recurring Deposit in a bank .
SIP can be broadly divided into 2 halves : Equity and Debt, we recommend you to invest in Equity because it is more Profitable.
Why is SIP Easy ?
- It is very cheap to invest in Mutual Funds under SIP Scheme because one can invest as low as Rs. 500 monthly
- An optimal method for increasing capital gain is to contribute for a long period. This likewise implies one might get benefit by contributing as soon as could be expected.
- Rupee cost averaging is an idea where you buy more units when the Net Asset Value (NAV) of the asset is low, and lesser units when the NAV is high. Basically, it averages out your buying costs over the investment tenure frame. You don’t have to stress over how to time the market when you contribute through a SIP.
- SIP can be an advantageous method of investing. Most investors might not have the knowledge for broad statistics to change or adjust the portfolio. So, when someone picks a decent fund, we can guide the bank and let the SIP deal with his/her month to month speculations.
We HELP you to TRACK your Investments...
When you start talking about our traditional investments like a Fixed Deposit, you are made aware of the rate of interest that you will earn. But because of Market Volatility, nobody can even assume what interest you are going to get or what is the current situation of the Market in Mutual Fund. For that, we made a modified App for You only and manage all your Investment in the same App. You can Watch, Observe, Optimize and Plan of all your Investment. Current Value, Holding Percentage, Current Transaction of Sale-Purchase, and also would get Profit and Lose statement of Sales..
The KYC documentation process is mandatory before someone begins investing. One needs to present his / her identity verification, address confirmation and photo for KYC either offline or online.
The initial step is to see what one wishes to achieve through SIP. Recognizing the objectives and searching for reserves that can assist with accomplishing these objectives.
When one selects a specific fund, pick the SIP parameters. Fill in the answers for questions like: Investment tenure / Frequency of investment (monthly, quarterly, annually) / Investment amount
Why Lumpsum is Profitable ?
Investing through lumpsum have few particular elements that one can consider prior to investing
- Since a single and bulk amount investment implies Lumpsum, the base sum that most mutual funds require is Rs. 5,000.
- One can hold a Lumpsum for a more extended time frame span. Monetary specialists recommend at least three years. Assuming one’s objective is for regular income, one could consider placing it in a debt fund or liquid fund.
- Assuming that someone has put a lot of cash in one spot, he/she could see a hit when markets fall. In any case, the key is to hold the investment over an extended period.
- The advantages of lumpsum investment are especially invested during times of a market low. This is on the grounds that one can purchase more mutual funds at lower costs and decide to sell when markets improve, along these lines resulting in significant benefit.
How Should I Invest in Lumpsum ?
When you start talking about our traditional investments like a Fixed Deposit, you are made aware of the rate of interest that you will earn. But because of Market Volatility, nobody can even assume what interest you are going to get or what is the current situation of the Market in Mutual Fund. For that, we made a modified App for You only and manage all your Investment in the same App. You can Watch, Observe, Optimize and Plan of all your Investment. Current Value, Holding Percentage, Current Transaction of Sale-Purchase, and also would get Profit and Lose statement of Sales.
Lumpsum -
The Big Ticket
Whenever you invest into a lumpsum fund, it implies a single and big amount got into a one-time investment plan . This is recommended rather than spreading it out over the long period of time, as in SIP (Systematic Investment Plans).
Lumpsum investments are typically liked by prominent players and investors who especially rely upon organization stock appreciation for capital creation. For an investor with a sizable investment amount and a high-risk limit, a lumpsum can be a decent open door.
Our one of the BEST Product
MARS
Mutual Fund Automated Re-balancing System
It allocates your money between Equity and Debt based on market valuation and invests in Top Performing Equity Mutual Fund Schemes. The Asset Allocation in MARS is reviewed on a half yearly basis while the scheme Re-balancing is done once a year.
MARS uses a research model to find out correct allocation to Equity based on current valuations. So if markets are expensive, MARS will allocate less amount to Equity and if markets are cheap, the Equity Allocation will go up
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STP - 2X Profit
STP (Systematic Transfer Plan) is a smart strategy to stagger your investment over a specific term to reduce risks and balance returns. For instance, if you invest ‘systematically’ in equities, you can earn risk-free returns even when the markets are volatile. Here, an AMC permits you to invest a lump sum in one fund, and transfer a fixed amount to another scheme regularly. STP is an excellent choice for those looking to invest a lump sum but is not ready to do that at one go. This could be because they are risk-averse and do not want to get tangled in the market volatility. They may also be wary of equities as a rule. Such investors can opt to invest in liquid or debt funds. When this money gets transferred to an equity fund, you get the fixed returns from the debt funds as well as potential returns from the equity scheme.
SWP - Profitable Pension
A (SWP) Systematic Withdrawal Plan is most commonly used for retirement. However, investors can structure and use SWPs for various payout needs. Systematic withdrawal plans can be set up for withdrawals from nearly any type of investment vehicle in the market. A systematic withdrawal plan (SWP) allows for pre-panned cash flows generated by investments as income. Retirees are most often reliant on SWPs for retirement income generated from investments accumulated in retirement accounts like IRAs or 401(k) plans or through annuitizing assets. Understanding how much income you’ll likely need in retirement is an important step in establishing an SWP. Online retirement calculators that take into account things like inflation, taxes, and social security can help.
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About Our Company
Welcome to The Dream Merchant, your one stop solution to all your financial problems. We’re dedicated to giving you the very best of our service, with a focus on customer satisfaction and personalized service.
Founded in 1993, The Dream Merchant has come a long way from its beginning. We now serve customers all over the nation and are thrilled to have an energetic team in the wing of the financial industry.
We officially file over 15,000+ income tax returns every year and e-Filed over 5+ lakh returns till date, with 8.8/10 consumer loyalty score. The Dream Merchant endeavors to mix assess mastery with a solid spotlight on constantly enhancing the customer experience to furnish every one of its customers with an unparalleled offer.
The Dream Merchant works intimately with Chartered Accountants and other monetary specialists to ease their everyday working background.
Our Core Values
Why Customers Choosing Us
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Excellence
Consistency
