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Nifty and Sensex is safely trading above their
resistance level and is continuously maintaining its
level under bull zone. Domestic fund managers are
regularly buying equities in due to huge liquidity
flow in the market.
Besides this, Debt market is also doing well due to
mass upgrade in corporate debt ratings . This is the
reason that Hybrid and Dynamic Asset Allocation
funds are have performed better than many
Equity funds in last few months .
Whenever there is such a bull pull up or rally in
Equity Market, investors get trapped in high Risk -
high price products ! Hence one should play caution
during such bullish environment.
Investment Knowledge Center
Issue : July 2021 | Volume : 0014
Editorial
However, the most important thing to manage during this kind of scenario is - human behaviour and greed !
In todays digital age, when you are overloaded with so many information and advertisement, it is very
difficult to distinguish between the right or wrong.
Read our current issue of Newsletter to learn on managing your emotional behaviour to keep your wealth
intact and safe. Please give your feedback or post your Query related to this Newsletter
Mr. VR Aiyappan,
CFA, FRM
Mera Funds Investment Services
Chapter 1 : Bull run is On ?
Mutual Fund Managers are quite
bullish in Equity Market, and they
are net positive in the month of
July 2021. However FIIs are net
negative in the market, during
the month of July 2021 . Is there
any thing special which is driving
the buying instinct of Indian
Mutual Fund Companies ?
....Read inside ( Page - 3)
Chapter 3 : Inspiring Story
Mr Murty is our case study in this
month's inspiring story section -
he built a big retirement corpus
with small savings through SIP,
and started an annuity of Rs
85,000 per month ! His approach
at the time of savings and at the
time of choosing annuity, made
all the difference.
Read more inside ...( Page 8)
Net Purchase & Sales Figures of Mutual
Fund Companies Vs FIIs, in the month
of July 2021, ending on 29th July 2021
What's Inside ?
Read these and many more
informative Financial News - inside
+91-73380-94513
info@merafunds.com
Indian Equity market is continuously on fire from April , this year ! NIFTY rose from
14867 on April 2021, to 15763 on 29th July 2021. Surprisingly , FIIs are net negative in all
these months - from April 2021 till July 2021; still our equity market shown healthy
recovery . This means Domestic Mutual Fund companies and Domestic Financial
Institutions consumed such FII sales and sustained the market. We drilled the story a
little more to know the reason - Why FIIs were sellers and DIIs were buyers ? What is
lying ahead in terms of growth ? Will DIIs continue their buying and keep the market
on fire ? What does experts suggest in this situation - Buy , Hold or Sell ?
Chapter 1 : Bull Run is ON ?
FIIs are selling because back in their
country , they are getting better bond
yields, and DIIs are buying because they
are getting better valuations and corporate
earnings here. In simple words - both FIIs
and DIIs have got strong reasons to be in
their own countries .
In US, experts say :
"It's certainly been a really strong run. For
now it looks justified based on the strong
earnings results. We got interest rate
stability, which was helpful. As the
economic recovery continues, as long as
people are continuing to get out there
despite the Delta variant, we think stocks
can go higher," said Jeff Buchbinder, equity
strategist for LPL Financial. "We think the
ride will get bumpier in the second half, but
we think the bull market continues."
NASDAQ
In India, experts say :
Equity market will continue with bull rally , but there could be some consolidation ahead.
Excessive flow of funds from retail investors as well as institutional investors have
provided decent liquidity to the market. Almost all triggers seems positive for the market
- GST collections, Corporate earnings, business recovery , decrease in COVID cases and
more ! However investors should be choosing appropriate Asset Allocation strategy to
be safe at such a high level of Sensex and Nifty.
So what should be the portfolio strategy at
this juncture ? Read the model Asset
Allocation strategy as gathered during a
survey of 10 different Investment Advisors
across India :
90% of the advisors suggest that investors
should book partial profit form their Equity
schemes and lower down the purchase
cost. They strongly suggest to park such
booked profits in any Dynamic Asset
Allocation funds like- Balanced Advantage
fund etc
Almost 100% of advisors suggest to add the
pinch of Banking , Infra and IT in the
portfolio. Hence they suggest to invest in
selected Business Cycle Funds
Almost 95% of advisors suggest to increase
the weightage in Flexi Cap Funds to
achieve dynamic strategy in terms of
Large, Mid and Small Cap stocks
Summing up, as an investor you should be
in Equity but remain flexible between
Large, Mid and Small; you should bring
down the cost of your equity schemes by
transferring some profits into Dynamic
Asset Allocation funds or directly in Debt
Funds.
As per an Equity Market survey, people having buy & hold
strategy, have made maximum returns over past 30
years. Hence the best advice goes like -
" Buy right & sit tight "
Disclaimer : The figures and survey contents
shared here are collected from third party
websites or resources. If you have any question
or feedback related to the contents then please
write to us . None of the content here should be
constituted as our investment advice or
recommendations. Please use the article as an
information to take best decision towards your
portfolio
Watching the numbers can help you to understand the trend - like last 1 month data
show a clear sign of a good rally in US - it was almost on fire ! Indian markets did well
in terms of maintaining the level , but were much lower than the US market growth.
This was clearly due to lack of support from FIIs. Does this means that International
Funds will do well as compared to domestic funds ? Explore these and more of such
questions in our various chapters of this newsletter, or call us freely to know more.
Note : We have tried our best to present the data from authentic and verified source.
Still, if you find any discrepancies in the data, please report it us for correction
Chapter 2 : Market Indicator
In every issue, we cover one or the other
real life inspiring investment story of our
customers. In past , we shared the story of
small savings by. a housewife; we shared
story of smart education planning and
many other stories. I am sure you read all
those stories and got inspired to adopt
similar strategies in your investment
journey, if applicable.
This month, we are going to share an
interesting story of Mr Murty (name
changed intentionally for the article), who is
55 Years old and started to create an
annuity corpus last 10 years back
Chapter 3 : Real Life Case Story
What was the product and methodology applied in the case of Mr Murthy's corpus
creation process ?
What is the product chosen by Mr Murthy to start the annuity for his monthly
expenses ?
When I first met Mr Murthy, in 2010, his annual salary was approximately Rs 15 Lacs.
During our discussion on his investment priorities, we noted down his desire to create
a decent retirement corpus by the age of 55 Years.
Thanks to Mr Murty's savings commitment of Rs 50,000/- per month, towards this
Financial Goal; as on 31st July 2021, his retirement Kitty has reached to a whopping Rs
1.68 Cr . Key points to note in Mr Murty's story are :
How did Mr Murty reached to this desired retirement corpus of Rs 1.68 Crores ?
Now, Mr Murty want to start his monthly Income out of this 1.68 Cr of funds.
First thing, was to redeem the full corpus to realise full profit of his SIP
(Systematic Investment Plan) .
Second thing, was to decide the investment product to start the annuity or
monthly Income of around Rs 85,000/-
Unlike general investors, Mr Murty was not too keen to go for any traditional retirement
products , which give guaranteed returns but no capital appreciation to compensate the
inflation. Hence he was more keen to start his annuity with such product which have
option of capital appreciation , over and above the regular annuity. Of course the Safety and
Low Risk were also equally important criteria for him. Hence he opted for Mutual Fund
scheme.
We presented him the list of Dynamic Asset Allocation Funds to choose from. Because of
its formulae based Asset Allocation process, such funds keep changing their investment
proportions between Debt and Equity, thus maintaining a stable/Steady ROI. Main aim of
such Dynamic Asset Allocation funds is to 'Increase Equity at Low Market' and 'Decrease
Equity at High Market' . The process of creating a Fixed Annuity in such funds is known as
SWP (Systematic Investment Plan).
Historic examples of various Dynamic Asset Allocation Funds ( see the table below )
suggest that they have always been the best option for creating annuity . :
Finally, Mr Murty has decided to invest his accumulated corpus
of Rs 1.68 Crores in 2 or 3 top Dynamic Asset Allocation Funds
and start a SWP ( Systematic Withdrawal Plan) of Rs 85,000/-
per month @ 6% p.a . Thus he can also achieve a decent
Capital appreciation over every 3 -5 years
Want to learn more about SWP and
how it is applied in any good
Dynamic Asset Allocation Fund ?
Want to learn all about Dynamic
Asset Allocation Fund and why it is a
better option for retired customers
,as compared to traditional annuity
products ?
+91-73380-94513
info@merafunds.com
L-218,30 Feet Road, 7th main, Hebbal 2 stage,
Mysore-570017, Karnataka, India
www.merafunds.com
Download our Mobile app :
' Mera Funds Investment Service '
In today's Digital world, information is
overloaded. There are dozen of investment
ideas and informations which clutters
everything and create confusion.
Hence, we use this chapter under our
Newsletter, to educate you on any important
topic which is related to investments or
investment management.
In this issue, we would like to talk about the key
things to be done for keeping perfect record of
your investments; and also educate you about
the importance of a Mutual Fund Distributor
like us, in managing your records, nominations
and many other vital functions during your
investment journey
Chapter 4 : Investment Gyan
Have you provided nomination in all your folios ?
Are your nominations properly balanced and justified ? I mean, have u divided
each folio under same proportion ?
Is your spouse been added as second applicant in every folio ? If not, then have
you placed her properly under nominations ?
Have you protected the interest of your spouse , so that she or he should not
suffer after your death due to wring nominations or Will ?
Have you shown your spouse or provided them the access to your client panel
and Mobile app ? Have you noted the contact details of your Financial Agent/
Distributor ?
Are you dealing with multiple distributor or a single distributor ? If dealing with
multiple distributor , then do your family know all of them ?
Have you invested any amount under Direct plan ? If yes then who is the
representative taking care of those investments ? Is there any pre decided fees
or charges which could be levied at the time of folio transfers at the time of
death ?
For every investor, record keeping or book keeping is a very very important subject.
Someone use their excel sheet to maintain the records and some uses their brokers portal
or app to manage it.
Of course we also provide a simple to use client panel on our website as well as mobile
app, which carries all your investment data and records. But the important points to note in
terms of record keeping are :
Motivation and target creation for the investment journey
Education and hand holding to manage the investment Risk, personal Risk and general
Risk
Managing the complete records, nominations and Will to ensure smoother
transmission of assets in case of any unseen event like death
There are many such questions which needs to be answered . Being a registered Mutual
Fund Distributor, we have following service scope for our customers :
We conduct a 45 minute session for all our customers on these topics and make sure that
they know the best they can get from us ! You may ask- what is our fees and charges for
doing all these ?
NIL ! We don't charge any fees from you, instead we get commission by the product
manufacturers, which are disclosed to every customer at the time of investments as well
as on our web portals. Such commissions range from 0.10% p.a to around 1.5% p.a
Book your Appointment today Call at : +91-73380-94513
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. Investors are requested to
review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial
implications of the investment/participation in the scheme.
While all efforts have been taken to make this Newsletter as authentic as possible, please refer to main source of
data for any clarifications. We will not be responsible for any loss to any person/entity caused by any short-coming,
defect or inaccuracy inadvertently or otherwise crept in this Newsletter
Disclaimer

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Mera funds-newsletter-aug21

  • 1. Nifty and Sensex is safely trading above their resistance level and is continuously maintaining its level under bull zone. Domestic fund managers are regularly buying equities in due to huge liquidity flow in the market. Besides this, Debt market is also doing well due to mass upgrade in corporate debt ratings . This is the reason that Hybrid and Dynamic Asset Allocation funds are have performed better than many Equity funds in last few months . Whenever there is such a bull pull up or rally in Equity Market, investors get trapped in high Risk - high price products ! Hence one should play caution during such bullish environment. Investment Knowledge Center Issue : July 2021 | Volume : 0014 Editorial However, the most important thing to manage during this kind of scenario is - human behaviour and greed ! In todays digital age, when you are overloaded with so many information and advertisement, it is very difficult to distinguish between the right or wrong. Read our current issue of Newsletter to learn on managing your emotional behaviour to keep your wealth intact and safe. Please give your feedback or post your Query related to this Newsletter Mr. VR Aiyappan, CFA, FRM Mera Funds Investment Services
  • 2. Chapter 1 : Bull run is On ? Mutual Fund Managers are quite bullish in Equity Market, and they are net positive in the month of July 2021. However FIIs are net negative in the market, during the month of July 2021 . Is there any thing special which is driving the buying instinct of Indian Mutual Fund Companies ? ....Read inside ( Page - 3) Chapter 3 : Inspiring Story Mr Murty is our case study in this month's inspiring story section - he built a big retirement corpus with small savings through SIP, and started an annuity of Rs 85,000 per month ! His approach at the time of savings and at the time of choosing annuity, made all the difference. Read more inside ...( Page 8) Net Purchase & Sales Figures of Mutual Fund Companies Vs FIIs, in the month of July 2021, ending on 29th July 2021 What's Inside ? Read these and many more informative Financial News - inside +91-73380-94513 info@merafunds.com
  • 3. Indian Equity market is continuously on fire from April , this year ! NIFTY rose from 14867 on April 2021, to 15763 on 29th July 2021. Surprisingly , FIIs are net negative in all these months - from April 2021 till July 2021; still our equity market shown healthy recovery . This means Domestic Mutual Fund companies and Domestic Financial Institutions consumed such FII sales and sustained the market. We drilled the story a little more to know the reason - Why FIIs were sellers and DIIs were buyers ? What is lying ahead in terms of growth ? Will DIIs continue their buying and keep the market on fire ? What does experts suggest in this situation - Buy , Hold or Sell ? Chapter 1 : Bull Run is ON ? FIIs are selling because back in their country , they are getting better bond yields, and DIIs are buying because they are getting better valuations and corporate earnings here. In simple words - both FIIs and DIIs have got strong reasons to be in their own countries . In US, experts say : "It's certainly been a really strong run. For now it looks justified based on the strong earnings results. We got interest rate stability, which was helpful. As the economic recovery continues, as long as people are continuing to get out there despite the Delta variant, we think stocks can go higher," said Jeff Buchbinder, equity strategist for LPL Financial. "We think the ride will get bumpier in the second half, but we think the bull market continues." NASDAQ
  • 4. In India, experts say : Equity market will continue with bull rally , but there could be some consolidation ahead. Excessive flow of funds from retail investors as well as institutional investors have provided decent liquidity to the market. Almost all triggers seems positive for the market - GST collections, Corporate earnings, business recovery , decrease in COVID cases and more ! However investors should be choosing appropriate Asset Allocation strategy to be safe at such a high level of Sensex and Nifty. So what should be the portfolio strategy at this juncture ? Read the model Asset Allocation strategy as gathered during a survey of 10 different Investment Advisors across India : 90% of the advisors suggest that investors should book partial profit form their Equity schemes and lower down the purchase cost. They strongly suggest to park such booked profits in any Dynamic Asset Allocation funds like- Balanced Advantage fund etc Almost 100% of advisors suggest to add the pinch of Banking , Infra and IT in the portfolio. Hence they suggest to invest in selected Business Cycle Funds Almost 95% of advisors suggest to increase the weightage in Flexi Cap Funds to achieve dynamic strategy in terms of Large, Mid and Small Cap stocks Summing up, as an investor you should be in Equity but remain flexible between Large, Mid and Small; you should bring down the cost of your equity schemes by transferring some profits into Dynamic Asset Allocation funds or directly in Debt Funds. As per an Equity Market survey, people having buy & hold strategy, have made maximum returns over past 30 years. Hence the best advice goes like - " Buy right & sit tight " Disclaimer : The figures and survey contents shared here are collected from third party websites or resources. If you have any question or feedback related to the contents then please write to us . None of the content here should be constituted as our investment advice or recommendations. Please use the article as an information to take best decision towards your portfolio
  • 5. Watching the numbers can help you to understand the trend - like last 1 month data show a clear sign of a good rally in US - it was almost on fire ! Indian markets did well in terms of maintaining the level , but were much lower than the US market growth. This was clearly due to lack of support from FIIs. Does this means that International Funds will do well as compared to domestic funds ? Explore these and more of such questions in our various chapters of this newsletter, or call us freely to know more. Note : We have tried our best to present the data from authentic and verified source. Still, if you find any discrepancies in the data, please report it us for correction Chapter 2 : Market Indicator
  • 6.
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  • 8. In every issue, we cover one or the other real life inspiring investment story of our customers. In past , we shared the story of small savings by. a housewife; we shared story of smart education planning and many other stories. I am sure you read all those stories and got inspired to adopt similar strategies in your investment journey, if applicable. This month, we are going to share an interesting story of Mr Murty (name changed intentionally for the article), who is 55 Years old and started to create an annuity corpus last 10 years back Chapter 3 : Real Life Case Story What was the product and methodology applied in the case of Mr Murthy's corpus creation process ? What is the product chosen by Mr Murthy to start the annuity for his monthly expenses ? When I first met Mr Murthy, in 2010, his annual salary was approximately Rs 15 Lacs. During our discussion on his investment priorities, we noted down his desire to create a decent retirement corpus by the age of 55 Years. Thanks to Mr Murty's savings commitment of Rs 50,000/- per month, towards this Financial Goal; as on 31st July 2021, his retirement Kitty has reached to a whopping Rs 1.68 Cr . Key points to note in Mr Murty's story are : How did Mr Murty reached to this desired retirement corpus of Rs 1.68 Crores ?
  • 9. Now, Mr Murty want to start his monthly Income out of this 1.68 Cr of funds. First thing, was to redeem the full corpus to realise full profit of his SIP (Systematic Investment Plan) . Second thing, was to decide the investment product to start the annuity or monthly Income of around Rs 85,000/- Unlike general investors, Mr Murty was not too keen to go for any traditional retirement products , which give guaranteed returns but no capital appreciation to compensate the inflation. Hence he was more keen to start his annuity with such product which have option of capital appreciation , over and above the regular annuity. Of course the Safety and Low Risk were also equally important criteria for him. Hence he opted for Mutual Fund scheme. We presented him the list of Dynamic Asset Allocation Funds to choose from. Because of its formulae based Asset Allocation process, such funds keep changing their investment proportions between Debt and Equity, thus maintaining a stable/Steady ROI. Main aim of such Dynamic Asset Allocation funds is to 'Increase Equity at Low Market' and 'Decrease Equity at High Market' . The process of creating a Fixed Annuity in such funds is known as SWP (Systematic Investment Plan). Historic examples of various Dynamic Asset Allocation Funds ( see the table below ) suggest that they have always been the best option for creating annuity . : Finally, Mr Murty has decided to invest his accumulated corpus of Rs 1.68 Crores in 2 or 3 top Dynamic Asset Allocation Funds and start a SWP ( Systematic Withdrawal Plan) of Rs 85,000/- per month @ 6% p.a . Thus he can also achieve a decent Capital appreciation over every 3 -5 years
  • 10. Want to learn more about SWP and how it is applied in any good Dynamic Asset Allocation Fund ? Want to learn all about Dynamic Asset Allocation Fund and why it is a better option for retired customers ,as compared to traditional annuity products ? +91-73380-94513 info@merafunds.com L-218,30 Feet Road, 7th main, Hebbal 2 stage, Mysore-570017, Karnataka, India www.merafunds.com Download our Mobile app : ' Mera Funds Investment Service '
  • 11. In today's Digital world, information is overloaded. There are dozen of investment ideas and informations which clutters everything and create confusion. Hence, we use this chapter under our Newsletter, to educate you on any important topic which is related to investments or investment management. In this issue, we would like to talk about the key things to be done for keeping perfect record of your investments; and also educate you about the importance of a Mutual Fund Distributor like us, in managing your records, nominations and many other vital functions during your investment journey Chapter 4 : Investment Gyan Have you provided nomination in all your folios ? Are your nominations properly balanced and justified ? I mean, have u divided each folio under same proportion ? Is your spouse been added as second applicant in every folio ? If not, then have you placed her properly under nominations ? Have you protected the interest of your spouse , so that she or he should not suffer after your death due to wring nominations or Will ? Have you shown your spouse or provided them the access to your client panel and Mobile app ? Have you noted the contact details of your Financial Agent/ Distributor ? Are you dealing with multiple distributor or a single distributor ? If dealing with multiple distributor , then do your family know all of them ? Have you invested any amount under Direct plan ? If yes then who is the representative taking care of those investments ? Is there any pre decided fees or charges which could be levied at the time of folio transfers at the time of death ? For every investor, record keeping or book keeping is a very very important subject. Someone use their excel sheet to maintain the records and some uses their brokers portal or app to manage it. Of course we also provide a simple to use client panel on our website as well as mobile app, which carries all your investment data and records. But the important points to note in terms of record keeping are :
  • 12. Motivation and target creation for the investment journey Education and hand holding to manage the investment Risk, personal Risk and general Risk Managing the complete records, nominations and Will to ensure smoother transmission of assets in case of any unseen event like death There are many such questions which needs to be answered . Being a registered Mutual Fund Distributor, we have following service scope for our customers : We conduct a 45 minute session for all our customers on these topics and make sure that they know the best they can get from us ! You may ask- what is our fees and charges for doing all these ? NIL ! We don't charge any fees from you, instead we get commission by the product manufacturers, which are disclosed to every customer at the time of investments as well as on our web portals. Such commissions range from 0.10% p.a to around 1.5% p.a Book your Appointment today Call at : +91-73380-94513 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. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme. While all efforts have been taken to make this Newsletter as authentic as possible, please refer to main source of data for any clarifications. We will not be responsible for any loss to any person/entity caused by any short-coming, defect or inaccuracy inadvertently or otherwise crept in this Newsletter Disclaimer