Trust & Long-term Relationships
Process Driven
Periodic Portfolio Review
Experience and Well-built Network
A Dedicated Team Of Experts For You And Your Growth Story.
A qualified AMFI mutual fund distributor, Moneyworks4u Mutual Fund Distributors offers wealth management services. In the area of wealth management, we have more than 16 years of experience. With a planned and disciplined advisory approach, Moneyworks4u Financial Advisors can offer you portfolio options that will help you reach your targeted financial milestones and goals. We provide you with a full selection of goods across all asset types. The strategy is to objectively assess all the possibilities on the market before making recommendations for product solutions that fit into your overall asset allocation. Work with us to create a wealth generation and protection strategy that gives you the best opportunity to achieve your financial objectives based on your unique requirements and comfort levels.
Why invest in mutual funds?
Professional Management
A mutual fund is managed by full-time, professional money managers who actively buy, sell, and monitor investments. This ensures consistent portfolio management, addressing the limitations of investors who may not have the time or resources to conduct research.
Risk Diversification
Purchasing shares in a mutual fund allows you to spread risk by investing in various assets and securities, such as gold, debt, and equities. Diversifying your portfolio helps offset one asset class's risk, ensuring that other investments remain unaffected and even improve in value if one element experiences volatility.
Better Liquidity
Open-ended mutual funds offer high liquidity and are more liquid than life insurance, infrastructure bonds, and post office schemes. They allow investors to redeem units on T+3 and offer superior liquidity compared to other investment alternatives like life insurance plans and government small savings schemes.
Tax Benefits
Mutual funds offer significant tax advantages over conventional fixed-income investments. Short-term capital gains in equities are taxed at 15%, while long-term gains are free up to Rs 1 lakh per fiscal year before 10% tax. Non-equity funds have long-term gains taxed at 20%, while short-term gains are taxed at the personal income tax rate.
Low Cost
Mutual funds offer low expense ratios due to economies of scale, resulting in low running costs and reduced operating expenses like administration, management, and advertising.
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Why invest in mutual funds?
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Frequently Asked Questions
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+What are the types of mutual funds?Broadly there are two types of mutual fund categories: Equity & Debt. There are various combinations of these two categories that create hybrid funds.
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+Why are mutual fund investments better than other investment products?In mutual funds your funds are managed by a highly qualified industry expert with 10-20 yrs of experience. Mutual funds are liquid and you can make full or partial withdrawal from it. Mutual funds give you the opportunity to invest in a diverse portfolio with minimum investment amount, mutual funds are less volatile than stocks, mutual funds offer the highest return on effort as an expert is managing the money, you don’t have to spend time tracking portfolio and Mutual funds are cost effective.
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+What is the risk of investing in Mutual Funds?Mutual funds NAVs fluctuate as per market movement and there is possibility of making a notional loss in the short term. Mutual funds can not be pledged to take a big loan.
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+Are there any tax benefits in mutual funds?Capital gains arising for within portfolio changes don’t attract short term capital gain tax, the taxation of equity mutual funds is 10% if held for over a year.
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+Is it a good time to invest in mutual funds?Yes, any time is a good time to invest in mutual funds. We can choose mutual funds according to your investment horizon right from a few days short term parking to long term financial goals.
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+What returns can be expected from Equity oriented funds?There are no guaranteed returns in equity mutual funds. The returns depend on the time horizon and market performance. Short term returns can fluctuate a lot and can even go negative. But over 10+ yrs time the probability of making double digit returns is very high. In the past the Nifty TRI returns have been around 14% pa if stayed invested for over 10+ yrs.
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+Can I plan to save for my future financial goals using mutual funds?Yes, you can save for your child’s education/marriage using children benefit funds, and you can plan for your retirement using retirement funds. Such solution oriented funds are good as the funds get earmarked for a specific financial goal.
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+What is a Systematic Investment Plan and what are its benefits?SIPs are similar to recurring deposits where you invest a fixed amount in a designated fund every month. We can set up an auto-debit from banks so that a certain amount is saved every month and invested in mutual funds. SIP ensures you invest in a disciplined manner through ups and downs of the market. SIP has become the go to investment vehical for most retail investor for its convenience and good investing experience.
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+Will you help us invest in the best performing fund?Best performing funds keep changing. We can help you with creating an appropriate portfolio that suits your temperament, your return expectations and your time horizon.
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