{"id":256,"date":"2025-05-30T07:07:44","date_gmt":"2025-05-30T07:07:44","guid":{"rendered":"https:\/\/bfccapital.com\/event\/?p=256"},"modified":"2025-06-03T12:02:50","modified_gmt":"2025-06-03T12:02:50","slug":"bfc-capitals-266th-quality-circle-program-inspiring-investment-excellence","status":"publish","type":"post","link":"https:\/\/bfccapital.com\/event\/bfc-capitals-266th-quality-circle-program-inspiring-investment-excellence\/","title":{"rendered":"BFC Capital&#8217;s 266th Quality Circle Program: Inspiring Investment Excellence"},"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\/266-1024x1024.jpg\" alt=\"\" class=\"wp-image-257\" srcset=\"https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/266-1024x1024.jpg 1024w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/266-300x300.jpg 300w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/266-150x150.jpg 150w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/266-768x768.jpg 768w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/266-1536x1536.jpg 1536w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/03\/266.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/bfccapital.com\/\">BFC Capital <\/a>successfully conducted its 266th Quality Circle Program on October 19, 2024, at ACC Limited (Adani Cement) in Amethi. The event featured an engaging session by AVP Sagun Balram, who delivered a captivating presentation on the art of investing. Attendees gained invaluable insights into smart investment strategies, wealth creation, and financial planning. The program reinforced BFC Capital\u2019s dedication to educating and empowering individuals with the knowledge needed for a secure financial future.<\/p>\n\n\n<div ><style>#sp-ea-275 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-275.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-275.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-275.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #ffffff; color: #444;}#sp-ea-275.sp-easy-accordion>.sp-ea-single {background: #f06d70;}#sp-ea-275.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #0c2e8a;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1746513565\">\n<div id=\"sp-ea-275\" 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-2750\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2750\" aria-controls=\"collapse2750\" 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> Why should I invest in mutual funds instead of fixed deposits?\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=\"collapse2750\" data-parent=\"#sp-ea-275\" role=\"region\" aria-labelledby=\"ea-header-2750\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">Compared to fixed deposits (FDs), mutual funds may yield higher returns. They are more appropriate for long-term, goal-based investing, nevertheless, and they include market risks.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Even if they are safer, FDs can&#8217;t keep up with inflation over time. Let&#8217;s use an example to better grasp this:<\/span><\/p>\n<p><span style=\"font-weight: 400\">Assume that on March 18, 2025, Mr. A invests \u20b91,00,000 in an SBI FD that offers 6.8% p.a.<\/span><\/p>\n<p><span style=\"font-weight: 400\"><strong>Earned interest:<\/strong> \u20b96,800<\/span><\/p>\n<p><span style=\"font-weight: 400\">If Mr. A is in the 30% tax bracket, his interest tax would be \u20b92,040.<\/span><\/p>\n<p><span style=\"font-weight: 400\"><strong>Return after taxes:<\/strong> \u20b96,800 minus \u20b92,040 = \u20b94,760<\/span><\/p>\n<p><span style=\"font-weight: 400\">Percentage of net return: 4.76%<\/span><\/p>\n<p><span style=\"font-weight: 400\">Taking inflation into account, the CPI inflation rate is at 3.61%.<\/span><\/p>\n<p><span style=\"font-weight: 400\">4.76% &#8211; 3.61% = 1.15% is the real return.<\/span><\/p>\n<p><strong>Now, considering inflation:<\/strong><\/p>\n<p><span style=\"font-weight: 400\">The current CPI inflation rate is 3.61%<\/span><\/p>\n<p><span style=\"font-weight: 400\"><strong>Real return =<\/strong> 4.76% &#8211; 3.61% = 1.15%<\/span><\/p>\n<p><span style=\"font-weight: 400\">This means that after accounting for taxes and inflation, the actual return is only 1.15%, which barely grows your wealth over time.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Mutual funds, on the other hand, offer inflation-beating returns over the long term. While they do carry market risks, a well-planned investment strategy can help manage them effectively.<\/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-2751\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2751\" aria-controls=\"collapse2751\" 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 safe for someone with an unstable income?\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=\"collapse2751\" data-parent=\"#sp-ea-275\" role=\"region\" aria-labelledby=\"ea-header-2751\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">Establishing an emergency fund that can cover at least six months expenses is the first step if your income is unstable. This guarantees financial stability in the event of unforeseen financial troubles.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Mutual funds might be an excellent investment choice after you have an emergency fund. They provide liquidity, so you can take money out when you need it.\u00a0<\/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-2752\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2752\" aria-controls=\"collapse2752\" 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 fund returns taxable?\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=\"collapse2752\" data-parent=\"#sp-ea-275\" role=\"region\" aria-labelledby=\"ea-header-2752\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">Indeed, capital gains tax may be applied on mutual fund returns, dependent on the fund form and investment duration.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Gains over \u20b91.25 lakh are subject to 12.5% tax on equity mutual funds (LTCG for more than a year). The tax rate is 20% if the money is STCG and removed within a year. Debt Mutual Funds are taxed as per your income tax slab rate, making them less tax-efficient.<\/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-2753\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2753\" aria-controls=\"collapse2753\" 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 should I do if my mutual fund investments are in loss?\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=\"collapse2753\" data-parent=\"#sp-ea-275\" role=\"region\" aria-labelledby=\"ea-header-2753\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">Mutual funds fluctuate because they are linked to market movements. A short-term dip doesn\u2019t mean a permanent loss. If your investment is in the red, don\u2019t panic\u2014instead, take these steps:<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\"><strong>Hold on:<\/strong> Market downturns are temporary; over time, markets tend to recover and grow.<\/span><\/p>\n<p><span style=\"font-weight: 400\"><strong>Consult a financial expert:<\/strong> At <a href=\"https:\/\/bfccapital.com\/\">BFC Capital<\/a>, our wealth managers can guide you based on market trends and your portfolio.<\/span><\/p>\n<p><span style=\"font-weight: 400\"><strong>Track your investments:<\/strong> Use the Prodigy Pro App to monitor your portfolio and get expert reviews.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Let\u2019s look at an example:<\/strong><\/p>\n<p><span style=\"font-weight: 400\">Here is an example of what happens if you stop investing due to the 2020 pandemic. Let\u2019s say Mr. A started the SIP on 1\/1\/18. Unfortunately, 2 years later, there was a pandemic and the global economy started collapsing. Seeing the negative returns, Mr. A panicked and stopped his SIP. Now, the money invested has become a lump sum. After 1 year, the market saw an increase and thus, on 1\/04\/2021, Mr. A earned approximately 11% as profit.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">However, if Mr. A had continued the SIP, there could be an additional gain of approximately 5%.<\/span><\/p>\n<p><span style=\"font-weight: 400\">By April 2021, the market recovered, and his investment grew by 11%. However, had he continued his SIP, he could have gained an additional 5%.<\/span><\/p>\n<p><span style=\"font-weight: 400\">This proves that staying invested is key to long-term wealth creation. Mutual funds are a long-term game\u2014the more patient you are, the better the returns you can expect.<\/span><\/p>\n<p><span style=\"font-weight: 400\">You need to be patient and wait for market corrections to create wealth.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">For a better understanding of the market and the investment landscape,\u00a0 please consult a financial expert.<\/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>BFC Capital successfully conducted its 266th Quality Circle Program on October 19, 2024, at ACC Limited (Adani Cement) in Amethi. The event featured an engaging session by..<\/p>\n","protected":false},"author":1,"featured_media":257,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_venue":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-256","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\/256","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=256"}],"version-history":[{"count":4,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/posts\/256\/revisions"}],"predecessor-version":[{"id":338,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/posts\/256\/revisions\/338"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/media\/257"}],"wp:attachment":[{"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/media?parent=256"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/categories?post=256"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/tags?post=256"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}