Stocks or mutual funds where to invest ?

Dear Friends, it is always a good debate on Stocks Vs Mutual funds. I am a long term investor in both stocks and mutual funds. There are advantages and disadvantages in both cases, although both are linked to market risks and fluctuations. The decision is mostly influenced by factors like investors knowledge, risk taking power and maturity goals. So lets see what are the factors - 

Mutual Funds Vs Stocks  - 

1. 💰 -Risk to rewards  : In mutual funds investment, one takes a calculated risk and gets rewarded moderately based on fund performance. The advantage is- limited risk of losses in mutual funds when markets turn volatile and bearish. In case of stock investments, fluctuations will be more in both directions- gains and losses. so it is a high risk high returns investments. If one is having good knowledge and sufficient financial back up, he can take advantage of fast growing stocks like mid-caps to grow his capital at faster pace. 
2. $$ -Expenses : When you invest in mutual funds, your investment expenses in terms of brokerage and various fees is less compared to stock investment. The reason is, in stocks you have to trade multiple times to diversify and optimize portfolio, profits and loss. But in mutual funds, this aspect is taken care by the fund manager, so one do not need to watch and trade frequently that saves money for investors.
3. ℀ - Demat account:  For investing in stocks, one has to open a demat and trading account. Demat account is where your securities are deposited in electronic format just like your savings account. For investing in mutual funds you do not need to have demat account. You can invest directly with asset management companies. You can chose any asset management companies available to invest on web.
4. ⏰ - Time management: If one invests in stocks, one needs to invest in time and resources to screen good stocks. It is important to monitor the fluctuations, financial performances as well as observe and follow the news related to stocks, business and global scenarios. Also one needs to diversify the portfolio to avoid the risk. It requires lot of reading and understanding, which comes over a time, so one need to invest in time more, if trading in stocks. In mutual fund, things are taken care by funds manager to do research on these things and make appropriate changes in holdings, which is his domain. But it does not mean mutual funds will always perform well, you need to study mutual fund portfolio and performances as well. However, it takes less time compared to stock studies.

 I hope this article was helpful for you.. If you have any questions and comments please feel free to ask....
Happy investing and Enjoy !

Mutual Funds Screener for Better investments

Selecting right mutual funds is the key for your successful and growing portfolio. Investors always search for good web resources to screen & evaluate mutual funds. This is an important exercise prior to investing in any mutual funds. There are plenty of fund houses and thousands of mutual funds available for investing. A smart investor has to screen the best suitable funds for his investments. In this article, I am suggesting two important web resources where you can thoroughly study & compare the performance of different mutual funds.
So lets have a look at what are those resources-

1. Value Research- click here for visiting the website
This resource is literally your complete guide for mutual funds, as they say it in their tag line. One need to create a login id and password to use all the features of this resource. Spend some good amount of time and explore the enormous data available on this website. You have option of screening your mutual funds in many different ways- such as best performing mutual funds, AMC's or fund houses, annual returns, type of mutual funds, and so on.

2. Money Control- Click here for visiting the website
Money control is well known resource and gives you a list of mutual funds with Crisil ratings. Here you can screen down mutual funds based on several options like historical performance at various years, net worth of the fund and also you can compare the performance of different funds. There is an option of selecting category funds like banking, infrastructure, healthcare, technology etc. Option for selecting and screening large cap funds, midcap funds, multicap funds and so on.

I hope you will explore these two resources and use them, for screening the right funds for your portfolio. Let me know if you have any specific questions on the same. Soon I will share with some resources for  screening mutual funds. Meanwhile, happy investing and Enjoy!