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Invest in Mutual Funds and Be a Smart Homemaker

Are you a homemaker and does not have investments yet? Read this article which provides brief details of investment in mutual funds through SIP.

Being a homemaker and caretaker of the house, your first and foremost obligation is to manage the funds of the house. Being the one who pays for domestic help and manages other expenses of the home, a homemaker is one of the best money managers who has the in-built ability to administrate the money. Many ladies save their pin money and bride prize with them only, but why do they not invest in mutual funds?

Before demonetization, the housewives kept their money in banks, but now they are afraid as it loses its value. However, now they can invest every month in mutual funds through systematic investment plan. The capital in mutual funds will never lose its value and also give you higher returns than that of the banks.

A small amount of money that a lady saves every month for future use can be invested in mutual funds through SIP investment mode. This will help her to save and also generate good returns in the long haul. Besides, there is no lock-in period in mutual fund investments except in ELSS so she can take out the money whenever needed.

Benefits of Investing Through SIP for Homemakers:

Financial planning is for everyone, either a homemaker or a working person. It helps in meeting the future financial goals and provides you with a solid financial foundation. Thus, mutual funds are the best financial instrument for homemakers, and its benefits are discussed under:

  1. Control over your funds: A housewife’s primary concern is- Can she use her invested money anytime she needed? The answer is yes! In mutual fund investment, you may use your money whenever required, all you need to do is ask the mutual fund house to credit your capital in your account. It’s just a day process, and all your money will be with you.
  2. An investment option that is easy to use: As the housewives who are above 40 are not that techno-savvy and want that their money is invested easily. Thus, a mutual fund is an investment option that can be used easily in one’s advantage. All you need to do is to fill in your basic information with the fund house you are investing with.
  3. Consultancy services: There are many fund houses who have their own consultancy houses in the country, which assist you. Besides, there are many other consultancies which provide you with full assistance in making investments and sought all your queries towards investment.
  4. Low-risk portfolio: As a homemaker who saves money for time of need, you can invest in low-risk funds. In these funds, you principal money will be safe, and you will get the income-returns on a regular basis.
  5. Automatic deduction: Deposit your amount of investment in the bank account, and the invested amount automatically gets deducted from it on the specific date. You need not have to do much efforts, to invest every month.

Why SIP?

SIP is a mode of investment, where you can invest on a regular basis, and a housewife does not have bulk money which could be invested via lumpsum. Besides, the amount invested through SIP compounds itself and helps you buy more units every month, and this gives you a good corpus at the end. This way, small and regular investments lead to better returns.

Another reason for investing through SIP is that your amount will be invested in the market at various points. Sometimes, the market will be up and sometimes it will be down. This helps in keeping your average cost of investment low, and even if the market fallsComputer Technology Articles, you will not face much loss. Be intelligent enough to make your each penny count and let it grow with the market through SIPs.

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The author is a financial expert, who is associated with MySIPonline. She researches and writes about them, and provides assistance to people who want to invest in mutual funds.

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