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 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.
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 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 monthly newsletter by seeman fiintouch LLP april 21 editionAshis Kumar Dey
READING THE MARKET PULSE DURING THIS COVID CRISIS
CASE STORY OF RAMESH, 37 YRS,WHO STARTED INVESTMENT HABIT AT THE AGE OF 27 ONLY
WHAT IS FUND OF FUND ( FOF) SCHEMES ? IS IT GOOD FOR ASSET ALLOCATION ?
OUR NEWSLETTER FOR AUGUST, 2021 IS ON STANDS. THIS NEWSLETTER MAGAZINE GOOD IDEA TO PLAN FOR FINANCIAL WELL BEING. THIS MAGAZINE ADDS VALUE TO ALL READERS !! THIS MAGAZINE IS COMPLIMENTARY TO ALL READERS !!
The monthly newsletter by seeman fiintouch LLP april 21 editionAshis Kumar Dey
READING THE MARKET PULSE DURING THIS COVID CRISIS
CASE STORY OF RAMESH, 37 YRS,WHO STARTED INVESTMENT HABIT AT THE AGE OF 27 ONLY
WHAT IS FUND OF FUND ( FOF) SCHEMES ? IS IT GOOD FOR ASSET ALLOCATION ?
OUR NEWSLETTER FOR AUGUST, 2021 IS ON STANDS. THIS NEWSLETTER MAGAZINE GOOD IDEA TO PLAN FOR FINANCIAL WELL BEING. THIS MAGAZINE ADDS VALUE TO ALL READERS !! THIS MAGAZINE IS COMPLIMENTARY TO ALL READERS !!
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
FIRST, RUSSIA – UKRAINE AND NOW IT’S ISRAEL –
HAMAS! WHAT IS LYING AHEAD FOR INDIAN MARKET ?
Investment
Gyan Market Indicators
Inspiring Investment Story
Similar to Doubleplus Newsletter -November 2021 (20)
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
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what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
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Doubleplus Newsletter -November 2021
1. This Issue :
Investment Mantra -
Don't run away from
Equity, just rebalance it
01
Is the Omicron 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...
INVESTMENTS KNOWLEDGE CENTER
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
www.doubleplus.in Page 01
2. www.doubleplus.in 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. Bhavesh Madhukant Shah)
Managing Director
Doubleplus Finserve Pvt Ltd.
Disclaimer : Mutual Fund investments are subject to market risk. Please read all scheme related documents carefully before investing.
3. 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
www.doubleplus.in Page 03
4. 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.doubleplus.in Page 04
8. www.doubleplus.in Page 08
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
9. 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.doubleplus.in Page 09
10. 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 ?
www.doubleplus.in Page 10