The market seems to be nervous due to the new variant of Virus Omicron. Experts believe that the market will be volatile in the coming days and they are advising investors to play cautiously.
The document discusses investment strategies and market updates. It recommends that investors should not panic due to short-term market volatility and remain invested in equity for long-term growth. It also suggests dynamic asset allocation funds for better risk management. The market indicators section provides data on key market metrics for November 2021. It also shares an inspiring story of an individual who practiced insurance and SIP investments, which helped him during a medical emergency. The trending mutual fund category section notes high inflows into hybrid, ELSS, multicap and flexicap funds. It recommends multicap funds for diversification across large, mid and small cap stocks.
The document provides an investment newsletter with information on the Indian stock market and mutual funds. It discusses the market declines seen in November due to sales by foreign institutional investors that were partially offset by domestic buying. It recommends that investors maintain a long-term perspective in equity markets given India's growth. It highlights dynamic asset allocation funds as providing a better way to manage risk. It also includes a case study of an individual who used insurance and SIP investments to manage risks and expenses from an accident. The newsletter concludes with sections on trending mutual fund categories and highlighting multicap funds.
The document discusses asset allocation and recommends dynamic asset allocation funds for retail investors. It notes that dynamic asset allocation relies on fund managers adjusting the mix of assets as markets change. Dynamic asset allocation funds, also known as balanced advantage funds, aim to sell declining assets and purchase increasing assets. The document provides examples of popular dynamic allocation funds and notes their long-term performance. It also discusses the tax benefits of such funds.
A monthly Newsletter to manage your personal finance & aim to give a detailed outlook about Mutual funds, other investment options, and Market via INVESTMENT MANTRA.
The monthly newsletter by seeman fiintouch LLP November 2021Ashis Kumar Dey
This monthly newsletter provides investment advice and recommendations. It discusses dynamic asset allocation funds as the best option for retail investors to achieve their goals and maintain peace of mind. An inspiring case study highlights how a medical representative used insurance and SIP investments to manage expenses during an accident-related absence from work. The newsletter also notes that hybrid funds and multicap funds saw high inflows last month, making them trending categories. It recommends multicap funds as providing good diversification through exposure to large, mid and small cap stocks.
The newsletter provides an overview of the Indian stock market performance from the previous Diwali to the current Diwali. It notes that the Nifty grew 45% and Sensex grew 41% over this period. While analysts believe the bull run will continue for the next 4-5 years, returns may slow and investors should focus on choosing the right mix of stocks and funds. The newsletter discusses ESG funds, flexicap funds, and business cycle funds as good investment options. It also profiles a case study of an individual who achieved his financial goal of accumulating Rs. 1 crore through consistent SIP investments over 10 years.
The document discusses asset allocation and recommends dynamic asset allocation funds for retail investors. It notes that dynamic asset allocation relies on fund managers adjusting the mix of assets as markets change. For retail investors in India, balanced advantage funds are recommended as they aim to achieve returns by selling declining assets and purchasing increasing assets. Multicap funds are also highlighted as a trending category that provides diversification across large, mid, and small cap stocks.
- The document discusses that Indian stock markets are in a bull zone and domestic fund managers are regularly buying equities due to high liquidity. Debt markets are also performing well due to improved corporate debt ratings.
- Hybrid and dynamic asset allocation funds have outperformed many equity funds in recent months. During bull markets, investors tend to take high risks for high returns but should remain cautious.
- The newsletter provides advice on managing investments and behavior during bull markets, including booking partial profits and balancing portfolios across sectors and fund types. It also shares a story of an individual who created a retirement corpus through disciplined SIP investments over time.
The document discusses investment strategies and market updates. It recommends that investors should not panic due to short-term market volatility and remain invested in equity for long-term growth. It also suggests dynamic asset allocation funds for better risk management. The market indicators section provides data on key market metrics for November 2021. It also shares an inspiring story of an individual who practiced insurance and SIP investments, which helped him during a medical emergency. The trending mutual fund category section notes high inflows into hybrid, ELSS, multicap and flexicap funds. It recommends multicap funds for diversification across large, mid and small cap stocks.
The document provides an investment newsletter with information on the Indian stock market and mutual funds. It discusses the market declines seen in November due to sales by foreign institutional investors that were partially offset by domestic buying. It recommends that investors maintain a long-term perspective in equity markets given India's growth. It highlights dynamic asset allocation funds as providing a better way to manage risk. It also includes a case study of an individual who used insurance and SIP investments to manage risks and expenses from an accident. The newsletter concludes with sections on trending mutual fund categories and highlighting multicap funds.
The document discusses asset allocation and recommends dynamic asset allocation funds for retail investors. It notes that dynamic asset allocation relies on fund managers adjusting the mix of assets as markets change. Dynamic asset allocation funds, also known as balanced advantage funds, aim to sell declining assets and purchase increasing assets. The document provides examples of popular dynamic allocation funds and notes their long-term performance. It also discusses the tax benefits of such funds.
A monthly Newsletter to manage your personal finance & aim to give a detailed outlook about Mutual funds, other investment options, and Market via INVESTMENT MANTRA.
The monthly newsletter by seeman fiintouch LLP November 2021Ashis Kumar Dey
This monthly newsletter provides investment advice and recommendations. It discusses dynamic asset allocation funds as the best option for retail investors to achieve their goals and maintain peace of mind. An inspiring case study highlights how a medical representative used insurance and SIP investments to manage expenses during an accident-related absence from work. The newsletter also notes that hybrid funds and multicap funds saw high inflows last month, making them trending categories. It recommends multicap funds as providing good diversification through exposure to large, mid and small cap stocks.
The newsletter provides an overview of the Indian stock market performance from the previous Diwali to the current Diwali. It notes that the Nifty grew 45% and Sensex grew 41% over this period. While analysts believe the bull run will continue for the next 4-5 years, returns may slow and investors should focus on choosing the right mix of stocks and funds. The newsletter discusses ESG funds, flexicap funds, and business cycle funds as good investment options. It also profiles a case study of an individual who achieved his financial goal of accumulating Rs. 1 crore through consistent SIP investments over 10 years.
The document discusses asset allocation and recommends dynamic asset allocation funds for retail investors. It notes that dynamic asset allocation relies on fund managers adjusting the mix of assets as markets change. For retail investors in India, balanced advantage funds are recommended as they aim to achieve returns by selling declining assets and purchasing increasing assets. Multicap funds are also highlighted as a trending category that provides diversification across large, mid, and small cap stocks.
- The document discusses that Indian stock markets are in a bull zone and domestic fund managers are regularly buying equities due to high liquidity. Debt markets are also performing well due to improved corporate debt ratings.
- Hybrid and dynamic asset allocation funds have outperformed many equity funds in recent months. During bull markets, investors tend to take high risks for high returns but should remain cautious.
- The newsletter provides advice on managing investments and behavior during bull markets, including booking partial profits and balancing portfolios across sectors and fund types. It also shares a story of an individual who created a retirement corpus through disciplined SIP investments over time.
This monthly newsletter provides financial advice and discusses recent market events and trends. It recommends dynamic asset allocation funds and multicap funds as good long-term investment options. It also provides an inspiring case study of an individual who was able to manage unexpected medical expenses through insurance and SIP investments. The newsletter analyzes market indicators for the previous month and notes that hybrid and equity funds with dynamic approaches saw high inflows from investors.
This document provides an overview of various investment avenues in India including securities, fixed income securities, government securities, money market instruments, deposits, postal schemes, insurance, real estate, and precious metals. It describes the key characteristics of stocks, bonds, mutual funds, bank deposits, post office savings schemes, life insurance policies, real estate, and other assets. The document aims to educate investors on their options for investment, savings, and risk management.
The document discusses the performance of the Indian stock market in November 2021. It notes that foreign institutional investors sold around 39,000 crores worth of stocks, which was partially offset by purchases of around 30,000 crores by domestic institutions. The Nifty and Sensex indexes declined around 5% for the month. It also mentions the new Omicron variant is making the market nervous and volatile in the coming days. Investors are advised to remain invested in equities for long-term growth and consider dynamic asset allocation funds for better risk management.
The document is a newsletter from Wallet Finserve Pvt Ltd providing information on investments and personal finance.
It discusses that 2022 may see a focus on stock picking over broad market rallies. Digitization is highlighted as a top investment theme, with examples of digital companies that had successful IPOs in 2021. The newsletter also provides market indicators for the month and an inspiring case story of an investor who reached his investment goal of 1 crore rupees through disciplined SIP investments over 10 years. It concludes with suggestions for new year investment resolutions, including choosing an investment advisor, diversifying one's portfolio, and regularly rebalancing.
Mutual funds allow investors to pool their money together for investment in stocks, bonds, and other assets. The document discusses various types of mutual funds like equity funds, debt funds, and hybrid funds. It explains how Systematic Investment Plans (SIPs) enable regular small investments and benefit from rupee cost averaging. Equity Linked Savings Schemes (ELSS) are highlighted as a tax-efficient investment option that provides tax benefits under Section 80C while also offering potential for capital appreciation over the long run. Well-planned investments through mutual funds and SIPs can help create wealth and meet financial goals.
The document provides an overview of financial markets and investment options. It defines key terms like investment, interest, stocks, bonds, mutual funds, and stock exchanges. It explains why investing is important to earn returns and beat inflation. It also outlines various short-term and long-term financial investment options and factors to consider when selecting investments.
1. The document discusses various investment avenues available to investors, including stocks, bonds, mutual funds, real estate, and more. It notes that investors have different objectives like safety, liquidity, and returns.
2. High net worth individuals are described as proactive in managing their investments and using diversification strategies. They look to new investment options and shift between asset classes like equities and fixed income based on market trends.
3. Emerging investment avenues for wealthy investors include managed funds, real estate, collectibles, precious metals, commodities, and alternative investments. Financial advisors must understand clients' special needs around tax planning, estate planning, education, and risk appetite.
The document discusses recent market volatility and provides investment advice. It notes that both Indian indices and mutual funds saw declines of around 5% in November due to large sales by foreign institutional investors. It advises playing cautiously due to concerns around the new Omicron variant. However, it recommends remaining invested in equity for long-term growth, given India's economic growth and consumption trends. It also suggests dynamic asset allocation funds for better risk management. The rest of the document discusses various investment categories and funds.
The document provides information about different types of debt funds in India. It discusses that debt funds invest in fixed income securities like bonds, money market instruments, etc. It then summarizes the key characteristics of different types of debt funds in India including diversified debt funds, focused debt funds, high yield debt funds, assured return funds, and fixed term plan series. The presentation also provides details about the benefits of investing in debt mutual funds like risk diversification, tax benefits, and regular income.
A comprehensive guide book on Savings and InvestmentDeepika Jha
Lean the following with this guidebook -
1. Key differences between Saving and Investment
2. Basics of Investment Planning
3. Financial Plan - Concepts & factors for Success
4. How to plan for your life-stage
The document provides information about the Franklin India Bluechip mutual fund scheme. It describes the scheme as an open-ended growth scheme that primarily aims to provide medium to long-term capital appreciation by investing in large-cap stocks. Key details are provided such as the scheme's objectives, features, benchmark, asset size, minimum investment amount, and load details. The top ten holdings of the fund are also listed.
The document discusses savings and investing through mutual funds. It states that savings should be invested to earn returns higher than inflation to preserve purchasing power for future expenses. Traditional savings options like bank deposits offer low risk but also low returns. Mutual funds allow investing small amounts and provide convenience, diversification, professional fund management, and tax benefits. By investing regularly through SIP, mutual funds can generate higher returns than traditional savings tools while also helping investors meet financial goals like child's education, marriage, or buying a home or car.
Investment Strategies To Grow Your IncomeCurtis Rose
While it’s wise to have a concern for increasing your assets, you may also wish to focus on using your investments to augment your income.
For example, if you inherited a valuable piece of artwork worth $1 million, you could hang it on your wall and increase your assets by $1 million. However, that picture on your wall does little to help you pay your expenses.
Investment strategies that focus on growing assets will generally result in greater wealth over the long-term, but it’s also possible to generate a significant income via the proper investment channels.
Investment strategies that focus on income make more sense as you near retirement age. With income-producing investments, you can lower your risk. This might be especially important to you if you’re too close to retirement to have the time to recover from significant asset loss.
Also, once you’re retired, you’ll want a reliable and consistent source of income.
investment strategies to grow your income. How much risk can you subject your investments to? How much can
you afford to lose in the near future? Remember that most forms of
investment have risk associated with them. Simply pick investment
instruments that match your risk tolerance.
Active asset management has advantages over passive strategies for retirement investing. It requires a dynamic approach to adjust the portfolio in response to market fluctuations, keeping assets properly allocated to reduce risk. Studies show people with financial plans accumulate 250% more savings than those without. Active management can generate 1.82% higher annual returns, increasing retirement wealth by 29%. While riskier than passive strategies, active management allows harvesting higher returns from risky assets when the market is strong and selling those that weaken, potentially achieving better performance than a single asset type, especially for long-term investors.
The document discusses various investment alternatives and the investment process. It begins by defining investment and differentiating investment from speculation. It then discusses factors that make investments important like retirement planning, taxation, and inflation. The document outlines popular investment avenues in India like shares, bonds, mutual funds, insurance policies, and real estate. It also describes the stages of the investment process as developing an investment policy, analyzing investments, valuing securities, and constructing an investment portfolio. Key features of investment programs discussed include safety, liquidity, income stability, and appreciation.
The monthly newsletter by seeman fiintouch LLP august 2021Ashis Kumar Dey
The monthly newsletter discusses the steady growth in the Indian equity market contributed by declining COVID cases, rising GST collections, and high liquidity in the capital market. It notes that two major Indian indices, Nifty and Sensex, have been rising continuously since April. It also reports that SBI Mutual Fund's new fund offer of SBI Balanced Advantage Fund collected Rs. 14,500 crore, making it the largest NFO in India so far. This signals growing acceptance by retail investors of mutual funds and their market-driven returns over fixed returns. The newsletter advises readers on managing emotions like greed and fear during bull runs by using dynamically managed mutual funds.
The document discusses the performance of various assets in August 2021. It notes that equity indices in India like Nifty and Sensex continued their upward momentum from April, gaining around 6% each in August. It also discusses the record-breaking collection of over Rs. 14,500 crore by SBI Mutual Fund's new fund offer SBI Balanced Advantage Fund, indicating growing acceptance of mutual funds among retail investors in India. The editorial urges readers to sell when the world becomes greedy and buy when fearful, in line with Warren Buffet's advice, to maintain steady growth in investments. It asks readers what the current market situation implies for asset allocation ratios and how to shift between equity and debt funds.
The newsletter discusses the steady growth in the Indian equity market due to declining COVID cases and rising GST collections. It notes that SBI Mutual Fund's new fund offer 'SBI Balanced Advantage Fund' collected Rs 14,500 crore, making it the largest NFO in India. The editorial discusses maintaining a steady growth in investments by selling when the world becomes greedy and buying when fearful. It also covers asset allocation strategies and managing emotions during market fluctuations. The chapters discuss dynamic asset allocation funds and how they help avoid emotional investing. It shares the story of an investor who used such funds to generate a monthly annuity and beat inflation over the long term. The product focus is on key factors to consider when choosing a
The document discusses the performance of various assets in August 2021. It notes that equity indices in India like Nifty and Sensex continued their upward momentum from April, gaining around 6% each in August. It also discusses that SBI Mutual Fund collected Rs 14,500 crore for its new fund offer SBI Balanced Advantage Fund, making it the largest NFO in India so far. This signals growing acceptance and understanding among retail investors of the advantages of mutual funds. The document then provides a table comparing some of India's leading dynamically managed mutual funds covering both single and multi-asset categories.
This monthly newsletter provides financial advice and discusses recent market events and trends. It recommends dynamic asset allocation funds and multicap funds as good long-term investment options. It also provides an inspiring case study of an individual who was able to manage unexpected medical expenses through insurance and SIP investments. The newsletter analyzes market indicators for the previous month and notes that hybrid and equity funds with dynamic approaches saw high inflows from investors.
This document provides an overview of various investment avenues in India including securities, fixed income securities, government securities, money market instruments, deposits, postal schemes, insurance, real estate, and precious metals. It describes the key characteristics of stocks, bonds, mutual funds, bank deposits, post office savings schemes, life insurance policies, real estate, and other assets. The document aims to educate investors on their options for investment, savings, and risk management.
The document discusses the performance of the Indian stock market in November 2021. It notes that foreign institutional investors sold around 39,000 crores worth of stocks, which was partially offset by purchases of around 30,000 crores by domestic institutions. The Nifty and Sensex indexes declined around 5% for the month. It also mentions the new Omicron variant is making the market nervous and volatile in the coming days. Investors are advised to remain invested in equities for long-term growth and consider dynamic asset allocation funds for better risk management.
The document is a newsletter from Wallet Finserve Pvt Ltd providing information on investments and personal finance.
It discusses that 2022 may see a focus on stock picking over broad market rallies. Digitization is highlighted as a top investment theme, with examples of digital companies that had successful IPOs in 2021. The newsletter also provides market indicators for the month and an inspiring case story of an investor who reached his investment goal of 1 crore rupees through disciplined SIP investments over 10 years. It concludes with suggestions for new year investment resolutions, including choosing an investment advisor, diversifying one's portfolio, and regularly rebalancing.
Mutual funds allow investors to pool their money together for investment in stocks, bonds, and other assets. The document discusses various types of mutual funds like equity funds, debt funds, and hybrid funds. It explains how Systematic Investment Plans (SIPs) enable regular small investments and benefit from rupee cost averaging. Equity Linked Savings Schemes (ELSS) are highlighted as a tax-efficient investment option that provides tax benefits under Section 80C while also offering potential for capital appreciation over the long run. Well-planned investments through mutual funds and SIPs can help create wealth and meet financial goals.
The document provides an overview of financial markets and investment options. It defines key terms like investment, interest, stocks, bonds, mutual funds, and stock exchanges. It explains why investing is important to earn returns and beat inflation. It also outlines various short-term and long-term financial investment options and factors to consider when selecting investments.
1. The document discusses various investment avenues available to investors, including stocks, bonds, mutual funds, real estate, and more. It notes that investors have different objectives like safety, liquidity, and returns.
2. High net worth individuals are described as proactive in managing their investments and using diversification strategies. They look to new investment options and shift between asset classes like equities and fixed income based on market trends.
3. Emerging investment avenues for wealthy investors include managed funds, real estate, collectibles, precious metals, commodities, and alternative investments. Financial advisors must understand clients' special needs around tax planning, estate planning, education, and risk appetite.
The document discusses recent market volatility and provides investment advice. It notes that both Indian indices and mutual funds saw declines of around 5% in November due to large sales by foreign institutional investors. It advises playing cautiously due to concerns around the new Omicron variant. However, it recommends remaining invested in equity for long-term growth, given India's economic growth and consumption trends. It also suggests dynamic asset allocation funds for better risk management. The rest of the document discusses various investment categories and funds.
The document provides information about different types of debt funds in India. It discusses that debt funds invest in fixed income securities like bonds, money market instruments, etc. It then summarizes the key characteristics of different types of debt funds in India including diversified debt funds, focused debt funds, high yield debt funds, assured return funds, and fixed term plan series. The presentation also provides details about the benefits of investing in debt mutual funds like risk diversification, tax benefits, and regular income.
A comprehensive guide book on Savings and InvestmentDeepika Jha
Lean the following with this guidebook -
1. Key differences between Saving and Investment
2. Basics of Investment Planning
3. Financial Plan - Concepts & factors for Success
4. How to plan for your life-stage
The document provides information about the Franklin India Bluechip mutual fund scheme. It describes the scheme as an open-ended growth scheme that primarily aims to provide medium to long-term capital appreciation by investing in large-cap stocks. Key details are provided such as the scheme's objectives, features, benchmark, asset size, minimum investment amount, and load details. The top ten holdings of the fund are also listed.
The document discusses savings and investing through mutual funds. It states that savings should be invested to earn returns higher than inflation to preserve purchasing power for future expenses. Traditional savings options like bank deposits offer low risk but also low returns. Mutual funds allow investing small amounts and provide convenience, diversification, professional fund management, and tax benefits. By investing regularly through SIP, mutual funds can generate higher returns than traditional savings tools while also helping investors meet financial goals like child's education, marriage, or buying a home or car.
Investment Strategies To Grow Your IncomeCurtis Rose
While it’s wise to have a concern for increasing your assets, you may also wish to focus on using your investments to augment your income.
For example, if you inherited a valuable piece of artwork worth $1 million, you could hang it on your wall and increase your assets by $1 million. However, that picture on your wall does little to help you pay your expenses.
Investment strategies that focus on growing assets will generally result in greater wealth over the long-term, but it’s also possible to generate a significant income via the proper investment channels.
Investment strategies that focus on income make more sense as you near retirement age. With income-producing investments, you can lower your risk. This might be especially important to you if you’re too close to retirement to have the time to recover from significant asset loss.
Also, once you’re retired, you’ll want a reliable and consistent source of income.
investment strategies to grow your income. How much risk can you subject your investments to? How much can
you afford to lose in the near future? Remember that most forms of
investment have risk associated with them. Simply pick investment
instruments that match your risk tolerance.
Active asset management has advantages over passive strategies for retirement investing. It requires a dynamic approach to adjust the portfolio in response to market fluctuations, keeping assets properly allocated to reduce risk. Studies show people with financial plans accumulate 250% more savings than those without. Active management can generate 1.82% higher annual returns, increasing retirement wealth by 29%. While riskier than passive strategies, active management allows harvesting higher returns from risky assets when the market is strong and selling those that weaken, potentially achieving better performance than a single asset type, especially for long-term investors.
The document discusses various investment alternatives and the investment process. It begins by defining investment and differentiating investment from speculation. It then discusses factors that make investments important like retirement planning, taxation, and inflation. The document outlines popular investment avenues in India like shares, bonds, mutual funds, insurance policies, and real estate. It also describes the stages of the investment process as developing an investment policy, analyzing investments, valuing securities, and constructing an investment portfolio. Key features of investment programs discussed include safety, liquidity, income stability, and appreciation.
The monthly newsletter by seeman fiintouch LLP august 2021Ashis Kumar Dey
The monthly newsletter discusses the steady growth in the Indian equity market contributed by declining COVID cases, rising GST collections, and high liquidity in the capital market. It notes that two major Indian indices, Nifty and Sensex, have been rising continuously since April. It also reports that SBI Mutual Fund's new fund offer of SBI Balanced Advantage Fund collected Rs. 14,500 crore, making it the largest NFO in India so far. This signals growing acceptance by retail investors of mutual funds and their market-driven returns over fixed returns. The newsletter advises readers on managing emotions like greed and fear during bull runs by using dynamically managed mutual funds.
The document discusses the performance of various assets in August 2021. It notes that equity indices in India like Nifty and Sensex continued their upward momentum from April, gaining around 6% each in August. It also discusses the record-breaking collection of over Rs. 14,500 crore by SBI Mutual Fund's new fund offer SBI Balanced Advantage Fund, indicating growing acceptance of mutual funds among retail investors in India. The editorial urges readers to sell when the world becomes greedy and buy when fearful, in line with Warren Buffet's advice, to maintain steady growth in investments. It asks readers what the current market situation implies for asset allocation ratios and how to shift between equity and debt funds.
The newsletter discusses the steady growth in the Indian equity market due to declining COVID cases and rising GST collections. It notes that SBI Mutual Fund's new fund offer 'SBI Balanced Advantage Fund' collected Rs 14,500 crore, making it the largest NFO in India. The editorial discusses maintaining a steady growth in investments by selling when the world becomes greedy and buying when fearful. It also covers asset allocation strategies and managing emotions during market fluctuations. The chapters discuss dynamic asset allocation funds and how they help avoid emotional investing. It shares the story of an investor who used such funds to generate a monthly annuity and beat inflation over the long term. The product focus is on key factors to consider when choosing a
The document discusses the performance of various assets in August 2021. It notes that equity indices in India like Nifty and Sensex continued their upward momentum from April, gaining around 6% each in August. It also discusses that SBI Mutual Fund collected Rs 14,500 crore for its new fund offer SBI Balanced Advantage Fund, making it the largest NFO in India so far. This signals growing acceptance and understanding among retail investors of the advantages of mutual funds. The document then provides a table comparing some of India's leading dynamically managed mutual funds covering both single and multi-asset categories.
The document discusses the performance of various assets in August 2021. It notes that equity indices in India like Nifty and Sensex continued their upward momentum from April, gaining around 6% each in August. It also mentions that SBI Mutual Fund collected Rs 14,500 crore for its new fund offer SBI Balanced Advantage Fund, making it the largest NFO in India so far. This signals growing acceptance and understanding among retail investors of the advantages of mutual funds. The document also tracks India's GDP growth of 20.1% in the April-June quarter due to a low base effect from last year when GDP contracted sharply. It notes that further economic recovery will require continued fiscal and monetary policy support.
This monthly newsletter discusses the steady growth seen in the Indian stock market indices in recent months. It notes that COVID cases have reduced, GST collections are rising regularly, and there is high liquidity in the capital market, contributing to steady growth in the equity market. Two major Indian indices, NIFTY and SENSEX, have been rising since April.
It also reports that SBI Mutual Fund's new fund offer of SBI Balanced Advantage Fund collected Rs. 14,500 crore, making it the largest new fund offer in India so far. This signals growing acceptance by retail investors of the advantages of mutual funds.
The newsletter editorial discusses maintaining steady investment growth by selling when the world becomes
The document is a newsletter providing information on investments. It includes sections on investment advice, market indicators like fund performance and equity market charts, and an inspiring savings story. The story profiles a retired investor named Mr. Ramchandra Murthy who chose to invest his retirement proceeds in dynamic asset allocation mutual funds instead of fixed deposits, in order to generate monthly income while benefiting from potential capital appreciation, liquidity, and tax efficiency. After 4 years of withdrawing Rs. 25,000 per month, his total investment of Rs. 40 lakh had grown to Rs. 45 lakh, showcasing the benefits of this approach.
Doubleplus_Finserve_Newsletter_March_2023.pdfBhavesh Shah
This monthly newsletter discusses investing in equity mutual funds for retirement income. It profiles a retired investor, Mr. Ramchandra Murthy, who invested Rs. 40 lakh in dynamic asset allocation funds instead of fixed deposits. After four years of withdrawing Rs. 25,000 per month, his investment is now worth Rs. 45 lakh. The newsletter educates retired investors that dynamic asset allocation funds provide higher long-term returns, liquidity, and tax efficiency compared to traditional guaranteed income products. It aims to show others how to generate monthly retirement income through thoughtful mutual fund investments.
The document discusses the performance of various assets in August 2021. It notes that major Indian stock indices Nifty and Sensex continued their upward momentum from April. Some investors are fearful while others are greedy in the current scenario. It also reports that SBI Mutual Fund's new fund offer of SBI Balanced Advantage Fund collected Rs 14,500 crore, making it the largest NFO in India so far. This signals growing acceptance of mutual funds among retail investors in India. The editorial discusses maintaining steady growth in investments by selling when the world becomes greedy and buying when fearful, as per Warren Buffett's advice. It asks what the current market situation implies for equity allocation.
This newsletter provides information on personal finance topics such as equity investment, mutual funds, and market indicators. It discusses how equity investment can build significant wealth over the long run compared to other asset classes. It highlights that individual investors now hold a higher share of mutual fund industry assets. The newsletter also profiles an inspiring story of a retired investor who chose mutual funds for monthly income instead of fixed deposits and has seen growth in his investment value. Overall the newsletter aims to educate readers on appropriate investment behaviors and strategies.
This monthly newsletter provides information on investments, market indicators, and an inspiring investment story. It discusses the positive performance of equity markets in October, with the Nifty growing over 6% during the month. It also provides education on mutual funds, explaining what they are, the different types of funds, how to invest through SIP, and how returns are calculated. Market indicators show the performance of different asset classes and fund categories. The inspiring story highlights how one investor doubled his investment in just 6 years by allocating funds to diversified equity mutual funds instead of gold or fixed deposits.
This monthly newsletter from Navkar Financial provides information on investments, market indicators, and an inspiring investment story. It includes sections on investment knowledge discussing staying invested during volatility and different asset classes. The market indicators section shows the performance of equity markets, gold, and debt over the past month. It also provides the one-year returns of different mutual fund categories. The inspiring story describes how a client doubled his investment in equity funds over six years, outperforming the alternative of investing in gold or fixed deposits. The newsletter aims to educate investors about long-term investing for growth.
Doubleplus_Finserve_Newsletter_October_2022.pdfBhavesh Shah
This monthly newsletter provides information on investments, market indicators, and an inspiring investment story. It discusses the positive performance of equity markets in October, with the Nifty and Sensex growing over 6%. It then details the benefits of long-term investing in India's growth over the next decade through proper asset allocation. The newsletter highlights types of mutual funds, how returns are generated, and benefits of systematic investment plans. It includes charts on past performance of assets like gold, silver, and equities. Finally, it shares the story of an investor who doubled his investment in just 6 years by choosing equity mutual funds over other assets like gold.
The document is a monthly newsletter from INVRajat Financial Services providing information on investments, market indicators, and an inspiring investment story. It discusses the company's outlook that the next decade will provide wealth creation opportunities in India. It also provides market updates on equity indices and fund categories. Additionally, it shares information on mutual funds including types of funds, returns, and systematic investment plans. It concludes with the story of an investor who doubled his investment in equity funds over six years, outperforming other assets like gold and fixed deposits.
The newsletter discusses the rising COVID cases in India during April 2021 and the resulting volatility in the stock market. It provides analysis of key market indicators like foreign and domestic institutional investments. It also features an inspiring case story of Ramesh, who started systematic investment of Rs. 25,000 per month at age 27 and now has a mutual fund portfolio worth Rs. 82 lacs through the power of compound interest and discipline. The newsletter recommends dynamic asset allocation funds to help navigate market volatility.
Why Mutual Fund
Sahi Hai?How do you get the Retu
rns in
Mutual Funds?
What is Systematic
Investment Plan (SIP)
in Mutual Fund ?
Nifty started with a dull note at 16887, on 3rd October 2022 but closed at 18012
The document provides a summary of the performance of the Indian equity market as of May 31, 2023. It notes that the Nifty closed at 18,534.40 and the Sensex closed at 61,112.4 for the month of May, representing gains of 2.6% and 3.6% respectively. However, year-to-date returns from January 1st to May 31st were approximately 2% for both indices, suggesting the market has remained stagnant since the beginning of the year despite ups and downs in between.
This monthly newsletter provides an overview of the Indian stock market in April 2021, which saw high volatility due to rising COVID-19 cases. Key points covered include:
- Stock markets reacted nervously to rising case numbers but ended the month near their starting levels. FIIs were net sellers while DIIs were net buyers, indicating local confidence.
- Gold and pharmaceutical stocks performed well while overall market indices like Sensex and Nifty saw volatility.
- The newsletter recommends dynamic asset allocation funds to help navigate market uncertainty and stay invested through ups and downs.
- A case study highlights how regular SIP investing from a young age can build significant wealth over time through the power of compound interest.
The monthly newsletter by seeman fiintouch LLP JULY 2022.pdf.pdfAshis Kumar Dey
- GST collection in July 2022 was Rs. 1.49 lakh crore, a 28% increase over the same month last year. Experts say economic activities have stabilized and leakages have been plugged.
- The Sensex and Nifty logged their highest July return in 23 years, gaining 8.58% and 8.73% respectively. As many as 20 equity funds delivered over 10% returns in July.
- SIP remains an important investment tool for rupee cost averaging and managing volatility, with advantages like controlling emotions, benefiting from market dips, and disciplined investing.
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A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
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Aravat finkart-november 2021
1. This Issue :
Investment Mantra -
Don't run away from
Equity, just rebalance it
01
Is the Omicorn new
threat ?
The month of November saw massive sales from FIIs (around 39k
cr.), which was almost neutralized by continuous support from
domestic institutions (around 30K cr.), both NIFTY and SENSEX saw
a decline of around 5%, However retail buying was prevalent during
the month.
Market also seem to be nervous due to new variant of Virus -
Omicron. Experts believe that market will be volatile in coming
days and they are advising investors to play cautious.
We always believe that investors should have a long-term horizon
while investing in equity. Since India is growing with the fastest
speed across world and our consumption story is playing out well,
investors should not be bothered about the long-term growth. So
one should remain invested or look for dynamic asset allocation
funds for the better peace of mind. Read more...
FINANCIAL OUTLOOK
A monthly Newsletter to manage your personal finance
N O V E M B E R 2 0 2 1
02 Market Indicators -
Check the important
numbers and indicators
of the month
Inspiring Case Story of
R Murali - Savings for
Rainy Days
03
Trending MF Category
04
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2. www.aravatfinkart.com Page 02
Multicap is Back
As the name suggests, such scheme will buy shares of
companies across market capitalisation. SEBI revised its
rules for the multi-cap funds last year. According to SEBI
norms, multi-cap funds must allocate 25 percent of their
assets each in mid-cap, small-cap and large-cap stocks.
The remaining 25 percent may be invested at the fund
manager’s discretion.
There are a few good Multicap NFOs (New fund offers) in
the market. Like HDFC Multicap fund, AXIS Multicap
Fund etc. Ask us for participation in such schemes.
NOTE : Multicap funds are higher on the risk-return
profile compared to flexicap and large & midcap schemes
Investment is a game of risk reward proposition...
Higher the Risk, higher the reward. I always
believe that every investor need a guide to
identify his / her risk appetite, and motivation to
invest according to the suitable risk matching
products. Generally, investors increase their risk
appetite during the Bull market and they decrease
their risk appetite during the Bear Market.
However, it should be just reverse. In case you
cannot control your emotional behaviour of
greed and fear then you should blindly choose
the dynamic or fixed asset allocation funds, like
Balanced Advantage Funds, Equity Saving Funds, and Debt-Equity Hybrid Funds etc. In this
Newsletter, I am sharing details of such funds, which can provide you better peace of mind
and better control over your emotions. I Thank you for appreciating our monthly Newsletter
content and request you to pour in your feedback to improve it further.
(Mr. Ankush Bidasaria
Founder
Aravat Finkart
Disclaimer : Mutual Fund investments are subject to market risk. Please read all scheme related documents carefully before investing.
4. Asset allocation is a very important part of creating and balancing your
investment portfolio. Every investor of this world aims at 'Buying at Low and
Selling at Low'. However this dream is generally not achieved by retail investors
due to lack of information, research, cost of rebalancing and emotional control.
After all, it is one of the main factors that leads to your overall returns—even
more than choosing individual stocks. Establishing an appropriate asset mix of
stocks, bonds, cash, and real estate in your portfolio is a dynamic process. As
such, the asset mix should reflect your goals at any point in time. So which is the
best way to achieve it ? The answer is : through Asset Allocation
another big question here is : What type of Asset Allocation should be done ?
And How to achieve the desired Asset Allocation ?
CHAPTER 1
INVESTMENT MANTRA
Asset allocation is very important to create and
balance a portfolio.
All strategies should use an asset mix that
reflects your goals and should account for your
risk tolerance and length of investment time.
Dynamic asset allocation Fund of a good fund
house can be the best for retail investors
We have answer for you, in this
knowledge article. Please read below :
There are typically 5-6 type of Asset
Allocation - Tactical Asset Allocation,
Integrated Asset Allocation, Insured
Asset Allocation, Dynamic Asset
Allocation, Fixed Asset Allocation.
When you are doing the asset
allocation by your own then Fixed
Asset allocation can be easy way.
If you are investing through a Mutual
Fund or Fund Manager then Dynamic
Asset allocation can be the best choice
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5. Dynamic asset allocation relies on a portfolio manager's judgment instead of a
target mix of assets.
With this strategy, fund managers constantly adjust the mix of assets as markets
rise and fall, and as the economy strengthens and weakens. With this strategy,
your fund manager aims to achieve the very basic of investments - sell assets
that decline and purchase assets that increase. In India we have variety of
Dynamic Asset Allocations. Almost all have generated descent alpha (excess
returns over the FDs & Bonds) in past. Most commonly such funds are named as
'Balanced Advantage Fund'. See the list of some selected Balanced Advantage
Fund for your reference :
DYNAMIC ASSET ALLOCATION
Long term capital gains tax applies to returns on such funds. A capital gain
registered during a period of less than 1 year is defined as Short-term Capital
Gain (STCG). A capital gain registered over a period of more than 1 year is
defined as Long-term Capital Gains (LTCG). STCG are taxed at the rate of 15%.
Long term capital gains in excess of Rs 1 lakh are taxed at the rate of 10% without
the benefit of indexation.
Tax benefits of investing in the fund:
Disclaimer : Mutual Fund investments are subject to market risks, read all scheme related
documents carefully. The NAVs of the schemes may go up or down depending upon the factors
and forces affecting the securities market including the fluctuations in the interest rates. The past
performance of the mutual funds is not necessarily indicative of future performance of the
schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes
and the same is subject to the availability and adequacy of distributable surplus.
www.aravatfinkart.com Page 05
9. www.aravatfinkart.com Page 09
Life Cover of Rs 1 Crore ( Term Insurance)
Medical Insurance Cover of Rs 10 Lakhs
Accidental Disability Cover of Rs 50 Lakhs
In this issue, we have covered an emotional but inspiring story of R Murali, aged 32
Years. His case story will be a good guidance for all such working individuals whose
Income is directly dependent on their daily duty- I mean, their every leave is without
pay ! For e.g : Medical Representatives
R Murali is also a Medical Representative. When he met me in 2019, he was earning
approximately Rs 40,000 per month. He very well realised the fact that his Income is
directly dependent on his health, hence he sought our advice to get rid of this worry.
After mutual discussion , he instantly agreed to buy following protections :
Besides this, he spared Rs 10000/- per month towards his wealth creation. He started
two SIP of Rs 5000 per month in equity funds. The current Value of his SIPs are given
below :
CHAPTER 3
Inspiring Case Story of
Mr. R Murali
Unfortunately Murali met an accident in 2021 and was forced to rest for 3 months.
That was the time when his Medical Insurance and SIP helped him. Due to his Medical
Insurance, all his treatment cost was covered and saved him from this unexpected
expenses. Due to his SIP investments, he managed his expenses during 3-4 months of
bed rest. God bless Murali and keep him healthy. This case story is a good example for
every young executive whose Income is linked to 'Month On Month' basis.
Disclaimer : The name of the Schemes shown in above table are specific to this case story of Mr. R Murali; and it is
should not be a taken as recommendation or advice from our side. You are advised to select your SIP according to
your risk profile and investment tenure. The minimum investment to start an SIP is Rs. 500 per month
10. CHAPTER 4
Trending Mutual Fund Category
Out of around 1100 open ended schemes, we saw the maximum inflow and action in
the Hybrid category ( Mixture of Debt & Equity) . Among Equity schemes, the inflow
was seen in ELSS, Multicap and Flexi cap Funds. The trend is clearly indicating that
investors are liking the dynamic approach of asset management in both Equity &
Hybrid. One should spend time with their MF distributor, to know more about these
dynamic and active schemes under various category.
See the table below for the list of Funds which are trending currently and have seen
maximum subscriptions in the month of November :
Disclaimer : Mutual Fund investments are subject to market risks, read all scheme related
documents carefully. The NAVs of the schemes may go up or down depending upon the factors
and forces affecting the securities market including the fluctuations in the interest rates. The past
performance of the mutual funds is not necessarily indicative of future performance of the
schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes
and the same is subject to the availability and adequacy of distributable surplus.
www.aravatfinkart.com Page 10
11. 1. All 3 are important - Large Cap , Mid Cap and Small Cap
Investing in Small cap some times become very Risky and investing in Large cap sometime
fetch below average returns. If you are looking for active participation in Equity market and
aiming to beat benchmark, then should have a dynamic allocation among Large cap, Midcap
and Small cap funds . This will be a nice way to diversify your risk and achieve descent returns
2. Best way to diversify your portfolio
It is always said - Don't put all your eggs in the same basket. Hence investors look for
diversification in their investments. Multicap fund provides the best diversification of portfolio
in terms of capitalisation, which consequently turns into a well balanced equity portfolio. Such
funds are good for long term wealth creation
CHAPTER 5
Fund of the Month - Multicap Funds
According to Sebi regulations, multi-cap funds need to have a minimum 25 per cent
exposure under each market cap, ensuring that the portfolio is not overtly
concentrated towards a particular market cap. Due to its large and varied investment
universe, multi-cap funds offer the dual benefit of growth and risk-adjusted returns,
making them a better solution for long-term investment objectives and wealth
creation.
Such Funds offer a consistent mix across segments and is suitable for investors looking
for a stable, conscious allocation across market capitalisations. Multicap funds help
investors package large, mid and small-cap stocks in one single portfolio and steer
through volatile market cycles.
What is a Multicap Fund ?
Why choose a Multicap Fund ?
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