Monthly Income Schemes (MIS)
Monthly Income Schemes (MIS) cater primarily to conservative investors seeking stable returns with low risk. These schemes typically invest in debt-based mutual funds or government bonds, offering assured returns over a fixed maturity period.
Key Features
- Low Risk, Assured Returns: Ideal for risk-averse investors with returns assured but lower compared to stocks.
- Tax Implications: Profits and dividends earned are mostly taxable.
- Flexible Investment: Open-ended with no restriction on the initial investment amount, allowing for adjustments over time.
Investment Strategy
- Asset Allocation: Typically, 80% of funds are allocated to debt funds for stability, with the remainder in stocks to balance returns and mitigate market fluctuations.
- Professional Management: Managed by portfolio managers who optimize allocations between debt and equity based on market conditions.
Dividend vs. Growth Oriented Plans
- Dividend-Oriented: Pays out profits as dividends, often non-taxable.
- Growth-Oriented: Focuses on wealth accumulation over the long term by reinvesting returns.
Benefits of Monthly Income Schemes
- Liquidity: Highest liquidity among mutual funds, allowing investors to withdraw funds without a lock-in period.
- Tax Efficiency: Attracts investors in higher tax brackets seeking tax benefits through structured investment.
Expert Guidance
Our team offers expert guidance to help you navigate Monthly Income Schemes effectively. Whether you’re planning for retirement or aiming for stable income, our advisors can tailor an MIS strategy to meet your financial goals.
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