{"id":182,"date":"2025-03-01T06:16:39","date_gmt":"2025-03-01T06:16:39","guid":{"rendered":"https:\/\/bfccapital.com\/event\/?p=182"},"modified":"2026-03-30T12:30:23","modified_gmt":"2026-03-30T12:30:23","slug":"bfc-capitals-242nd-quality-circle-program-promoting-financial-awareness","status":"publish","type":"post","link":"https:\/\/bfccapital.com\/event\/bfc-capitals-242nd-quality-circle-program-promoting-financial-awareness\/","title":{"rendered":"BFC Capital&#8217;s 242nd Quality Circle Program: Promoting Financial Awareness"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/242-1024x1024.png\" alt=\"\" class=\"wp-image-184\" srcset=\"https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/242-1024x1024.png 1024w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/242-300x300.png 300w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/242-150x150.png 150w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/242-768x768.png 768w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/242-1536x1536.png 1536w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/242-2048x2048.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>On September 29, 2022, <a href=\"https:\/\/bfccapital.com\/\">BFC Capital<\/a> successfully conducted its 242nd Quality Circle Program at IRITM, Lucknow. The event aimed to foster financial awareness and facilitate meaningful discussions with the members of IRITM. Through insightful interactions, attendees gained valuable knowledge on investment strategies and financial planning, reinforcing BFC Capital\u2019s commitment to empowering individuals with financial literacy.<\/p>\n\n\n<div ><style>#sp-ea-319 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-319.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-319.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-319.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-319.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-319.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1746518174\">\n<div id=\"sp-ea-319\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\">\n\n<!-- Start accordion card div. -->\n<div class=\"ea-card ea-expand sp-ea-single\">\n\t<!-- Start accordion header. -->\n\t<h3 class=\"ea-header\">\n\t\t<!-- Add anchor tag for header. -->\n\t\t<a class=\"collapsed\" id=\"ea-header-3190\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3190\" aria-controls=\"collapse3190\" href=\"#\"  aria-expanded=\"true\" tabindex=\"0\">\n\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> What is XIRR in mutual funds?\t\t<\/a> <!-- Close anchor tag for header. -->\n\t<\/h3>\t<!-- Close header tag. -->\n\t<!-- Start collapsible content div. -->\n\t<div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse3190\" data-parent=\"#sp-ea-319\" role=\"region\" aria-labelledby=\"ea-header-3190\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">\u00a0XIRR (Extended Internal Rate of Return) is a method used to calculate returns when your investments are made at different times and amounts\u2014like in the case of SIPs. It gives you a more accurate picture of your actual returns over time, especially when there\u2019s irregular cash flow in and out of your mutual fund.<\/span><\/p>\n\t\t<\/div> <!-- Close content div. -->\n\t<\/div> <!-- Close collapse div. -->\n<\/div> <!-- Close card div. -->\n<!-- Start accordion card div. -->\n<div class=\"ea-card  sp-ea-single\">\n\t<!-- Start accordion header. -->\n\t<h3 class=\"ea-header\">\n\t\t<!-- Add anchor tag for header. -->\n\t\t<a class=\"collapsed\" id=\"ea-header-3191\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3191\" aria-controls=\"collapse3191\" href=\"#\"  aria-expanded=\"false\" tabindex=\"0\">\n\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Are mutual funds guaranteed to give positive returns?\t\t<\/a> <!-- Close anchor tag for header. -->\n\t<\/h3>\t<!-- Close header tag. -->\n\t<!-- Start collapsible content div. -->\n\t<div class=\"sp-collapse spcollapse \" id=\"collapse3191\" data-parent=\"#sp-ea-319\" role=\"region\" aria-labelledby=\"ea-header-3191\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">No, mutual funds do not offer guaranteed returns. They are market-linked investments, which means their performance depends on the ups and downs of the market. While mutual funds aim to grow your wealth over time, short-term fluctuations and market risks can impact returns. Always invest based on your goals, risk tolerance, and time horizon.<\/span><\/p>\n\t\t<\/div> <!-- Close content div. -->\n\t<\/div> <!-- Close collapse div. -->\n<\/div> <!-- Close card div. -->\n<!-- Start accordion card div. -->\n<div class=\"ea-card  sp-ea-single\">\n\t<!-- Start accordion header. -->\n\t<h3 class=\"ea-header\">\n\t\t<!-- Add anchor tag for header. -->\n\t\t<a class=\"collapsed\" id=\"ea-header-3192\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3192\" aria-controls=\"collapse3192\" href=\"#\"  aria-expanded=\"false\" tabindex=\"0\">\n\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What is an IDCW (Income Distribution cum Capital Withdrawal) plan?\t\t<\/a> <!-- Close anchor tag for header. -->\n\t<\/h3>\t<!-- Close header tag. -->\n\t<!-- Start collapsible content div. -->\n\t<div class=\"sp-collapse spcollapse \" id=\"collapse3192\" data-parent=\"#sp-ea-319\" role=\"region\" aria-labelledby=\"ea-header-3192\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">An IDCW plan\u2014previously known as a dividend option\u2014allows mutual funds to pay out a portion of their profits to investors at intervals. These payouts come from the fund\u2019s gains and are not fixed or guaranteed. Unlike the Growth option, where earnings are reinvested, IDCW reduces the fund\u2019s NAV when income is distributed. It\u2019s best suited for those looking for periodic income, but it may not be ideal for long-term growth due to reduced compounding benefits.<\/span><\/p>\n\t\t<\/div> <!-- Close content div. -->\n\t<\/div> <!-- Close collapse div. -->\n<\/div> <!-- Close card div. -->\n<!-- Start accordion card div. -->\n<div class=\"ea-card  sp-ea-single\">\n\t<!-- Start accordion header. -->\n\t<h3 class=\"ea-header\">\n\t\t<!-- Add anchor tag for header. -->\n\t\t<a class=\"collapsed\" id=\"ea-header-3193\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3193\" aria-controls=\"collapse3193\" href=\"#\"  aria-expanded=\"false\" tabindex=\"0\">\n\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Do I have to pay tax if I reinvest my mutual fund gains?\t\t<\/a> <!-- Close anchor tag for header. -->\n\t<\/h3>\t<!-- Close header tag. -->\n\t<!-- Start collapsible content div. -->\n\t<div class=\"sp-collapse spcollapse \" id=\"collapse3193\" data-parent=\"#sp-ea-319\" role=\"region\" aria-labelledby=\"ea-header-3193\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">Yes, taxes are applicable when you redeem your mutual fund investments\u2014regardless of whether you reinvest the amount. For equity funds, long-term gains above \u20b91 lakh in a financial year are taxed at 10%, and short-term gains (redeemed within 1 year) at 15%. Debt funds have different rules: short-term gains are taxed as per your income slab, while long-term gains (after 3 years) attract 20% tax with indexation. Reinvesting doesn\u2019t waive off taxes\u2014it just counts as a new investment.<\/span><\/p>\n\t\t<\/div> <!-- Close content div. -->\n\t<\/div> <!-- Close collapse div. -->\n<\/div> <!-- Close card div. -->\n<!-- Start accordion card div. -->\n<div class=\"ea-card  sp-ea-single\">\n\t<!-- Start accordion header. -->\n\t<h3 class=\"ea-header\">\n\t\t<!-- Add anchor tag for header. -->\n\t\t<a class=\"collapsed\" id=\"ea-header-3194\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3194\" aria-controls=\"collapse3194\" href=\"#\"  aria-expanded=\"false\" tabindex=\"0\">\n\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What if the fund manager of my mutual fund changes?\t\t<\/a> <!-- Close anchor tag for header. -->\n\t<\/h3>\t<!-- Close header tag. -->\n\t<!-- Start collapsible content div. -->\n\t<div class=\"sp-collapse spcollapse \" id=\"collapse3194\" data-parent=\"#sp-ea-319\" role=\"region\" aria-labelledby=\"ea-header-3194\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">A change in the fund manager can sometimes bring a shift in investment style or strategy. However, most reputed fund houses follow a strong research-driven, team-based approach, which ensures that a single change doesn\u2019t derail the fund\u2019s philosophy. That said, it\u2019s a good idea to keep an eye on the fund\u2019s performance post the change and ensure it still aligns with your goals. If you notice a major change in returns or risk profile, consider reviewing or rebalancing your portfolio.<\/span><\/p>\n\t\t<\/div> <!-- Close content div. -->\n\t<\/div> <!-- Close collapse div. -->\n<\/div> <!-- Close card div. -->\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>On September 29, 2022, BFC Capital successfully conducted its 242nd Quality Circle Program at IRITM, Lucknow. The event aimed to foster financial awareness and facilitate meaningful discussions..<\/p>\n","protected":false},"author":1,"featured_media":184,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_venue":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-182","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/posts\/182","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/comments?post=182"}],"version-history":[{"count":2,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/posts\/182\/revisions"}],"predecessor-version":[{"id":660,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/posts\/182\/revisions\/660"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/media\/184"}],"wp:attachment":[{"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/media?parent=182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/categories?post=182"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/tags?post=182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}