Mutual Funds are one of the best investment solutions that generate better interest. This presentation points out Mutual Funds types, growth, role, challenges and their scope in coming years. To get more details go through the presentation.
The Financial services sector in India is blooming and has become one of the lucrative areas to professionalism. The sector has undergone metamorphosis since 1990. Indian economy got liberalized during 1991 and the financial sector was kept open for private and foreign players. During the late eighties, the financial services industry in India was dominated by commercial banks and other financial institutions governed by the Central Government. The economic liberalization has brought in a complete transformation in the Indian financial services industry. Prior to the economic liberalization, the Indian financial service sector was characterized by various other factors, which was related to the growth of this sectorThe term Financial services in its broader sense refers to ― mobilizing and allocation of savings‘‘. It is identified as all those activities involved in the process of converting savings into investment. Financial services also include FINANCIAL INTERMEDIARIES such as Merchant Bankers, Venture capitalists, Commercial banks, Insurance Companies etc.
Introduction of Security analysis & portfolio managementYamini Kahaliya
this is ppt on introduction of security analysis & portfolio management.this ppt is for BBA/B.com/Mba students. this is related to finance. this ppt is in easily & understandable language.....
The Financial services sector in India is blooming and has become one of the lucrative areas to professionalism. The sector has undergone metamorphosis since 1990. Indian economy got liberalized during 1991 and the financial sector was kept open for private and foreign players. During the late eighties, the financial services industry in India was dominated by commercial banks and other financial institutions governed by the Central Government. The economic liberalization has brought in a complete transformation in the Indian financial services industry. Prior to the economic liberalization, the Indian financial service sector was characterized by various other factors, which was related to the growth of this sectorThe term Financial services in its broader sense refers to ― mobilizing and allocation of savings‘‘. It is identified as all those activities involved in the process of converting savings into investment. Financial services also include FINANCIAL INTERMEDIARIES such as Merchant Bankers, Venture capitalists, Commercial banks, Insurance Companies etc.
Introduction of Security analysis & portfolio managementYamini Kahaliya
this is ppt on introduction of security analysis & portfolio management.this ppt is for BBA/B.com/Mba students. this is related to finance. this ppt is in easily & understandable language.....
A financial market is a market in which peopletrade financial securities, commodities, and value at low transaction costs and at prices that reflect supply and demand. Securities include stocks and bonds, and commodities include precious metals or agricultural products.
Mutual Fund is essentially a mechanism of pooling together the savings of a large number of small investors for collective investment, with an avowed objective of attractive yields and capital appreciation, holding the safety and liquidity as prime parameters. A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. The money thus collected is then invested in capital market instruments such as shares, debentures and other securities. The income earned through these investments and the capital appreciation realized is shared by its unit holders in proportion to the number of units owned by them. Mutual funds are dynamic financial institutions (FIs) which play a crucial role in an economy by mobilizing savings and investing them in the stock-market, thus establishing a direct link between savings and the capital market. Therefore, the activities of mutual funds have both short-and long-term impact on the savings pattern, growth of capital markets and the economy. The Mutual fund is a basket of securities, which contains variety of financial products in various combinations and these various combinations of financial securities are individually called Portfolio's. In a Mutual fund company the Fund Managers make Portfolios of different combinations they continuously analyse the ma Diversification can reduce your overall investment risk by spreading your risk across many different assets. With a mutual fund you can diversify your holdings both across companies (e.g. by buying a mutual fund that owns stock in 100 different companies) and across asset classes (e.g. by buying a mutual fund that owns stocks, bonds, and other securities). When some assets are falling in price, others are likely to be rising, so diversification results in less risk than if you purchased just one or two investments. Choice: Mutual funds come in a wide variety of types. Some mutual funds invest exclusively in particular sector(e.g. energy funds), while others might target growth opportunities in general. There are thousands of funds, and each has its own objectives and focus. The key is for you to find the mutual funds that most closely match your own particular investment objectives. Liquidity is the ease with which you can convert your assets--with relatively low depreciation in value--into cash . In the case of mutual funds, it's as easy to sell a share of a mutual fund as it is to sell a share of stock (although some funds charge a fee for redemptions and others you can only redeem at the end of the trading day, after the current value of the fund's holdings has been calculated) Low Investment Minimums: Most mutual funds will allow you to buy into the fund with as little $1,000 or $2,000, and some funds even allow a "no minimum" initial investment, if you agree to make regular monthly contributions of $50 or $100. Whatever the case may be, you do not need to be exceptionally wealthy in order to invest in a mutual fundhbh
A financial market is a market in which peopletrade financial securities, commodities, and value at low transaction costs and at prices that reflect supply and demand. Securities include stocks and bonds, and commodities include precious metals or agricultural products.
Mutual Fund is essentially a mechanism of pooling together the savings of a large number of small investors for collective investment, with an avowed objective of attractive yields and capital appreciation, holding the safety and liquidity as prime parameters. A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. The money thus collected is then invested in capital market instruments such as shares, debentures and other securities. The income earned through these investments and the capital appreciation realized is shared by its unit holders in proportion to the number of units owned by them. Mutual funds are dynamic financial institutions (FIs) which play a crucial role in an economy by mobilizing savings and investing them in the stock-market, thus establishing a direct link between savings and the capital market. Therefore, the activities of mutual funds have both short-and long-term impact on the savings pattern, growth of capital markets and the economy. The Mutual fund is a basket of securities, which contains variety of financial products in various combinations and these various combinations of financial securities are individually called Portfolio's. In a Mutual fund company the Fund Managers make Portfolios of different combinations they continuously analyse the ma Diversification can reduce your overall investment risk by spreading your risk across many different assets. With a mutual fund you can diversify your holdings both across companies (e.g. by buying a mutual fund that owns stock in 100 different companies) and across asset classes (e.g. by buying a mutual fund that owns stocks, bonds, and other securities). When some assets are falling in price, others are likely to be rising, so diversification results in less risk than if you purchased just one or two investments. Choice: Mutual funds come in a wide variety of types. Some mutual funds invest exclusively in particular sector(e.g. energy funds), while others might target growth opportunities in general. There are thousands of funds, and each has its own objectives and focus. The key is for you to find the mutual funds that most closely match your own particular investment objectives. Liquidity is the ease with which you can convert your assets--with relatively low depreciation in value--into cash . In the case of mutual funds, it's as easy to sell a share of a mutual fund as it is to sell a share of stock (although some funds charge a fee for redemptions and others you can only redeem at the end of the trading day, after the current value of the fund's holdings has been calculated) Low Investment Minimums: Most mutual funds will allow you to buy into the fund with as little $1,000 or $2,000, and some funds even allow a "no minimum" initial investment, if you agree to make regular monthly contributions of $50 or $100. Whatever the case may be, you do not need to be exceptionally wealthy in order to invest in a mutual fundhbh
Presentation on "Capital Market"
1.definition and characteristics
2.function and players
3.importance/role and types
4.factor and structure
5.reforms and development
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.
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
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
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
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
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
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
1. Mutual Fund
Trends
Mutual Funds are one of the important
investment options, which is highly popular in
general public. They are famous coz they have
various options including Risk takers to the safe
players. Have a look on some of the Mutual Fund
trends in Indian market.
2. Top Mutual Fund Trends
•
1. Types of MF in Indian Market
•
2.MF growth in India
•
3. MF role in Savings
1. Types of MF in Indian Market
• TYPE OF INVESTMENTS
• TIME OF CLOSURE OF THE SCHEME
• TIME OF PAYOUT
• TAX INCENTIVE SCHEMES
2.MF growth in India
• First Phase 1964-87
• Second Phase 1987-1993( Entry of Public Sector
Funds)
• Third Phase-1993-2003(Entry of Private Sector
Funds
• Fourth Phase – since February 2003
3. MF role in Savings:
• Returns on Investment
• Ease of use to Money
• Security of Assets
• Helps in Saving Taxes
• Verdict
3. •
4. Challenges
•
5.Scope of MFs in coming years
•
6.Educating your investor
4. Challenges
• Distribution network
• Low retail participation
• Lack of Investor Education
• Cost pressures
5.Scope of MFs in coming years
• Regulation for MF Distributors
• Recommendations to re-visit the eligibility
norms of AMCs
• Real Estate Mutual Funds
• Technology as a Game Changer
6.Educating your investor
• Investor awareness: What is being done
differently today?
4. 1. Types of MF in Indian Market
• EQUITY FUNDS / SCHEMES
• DEBT FUNDS / SCHEMES
(also called Income Funds)
• (c ) DIVERSIFIED FUNDS /
SCHEMES (Also called
Balanced Funds)
• GILT FUNDS / SCHEMES
• MONEY MARKET FUNDS /
• SCHEMES
• SECTOR SPECIFIC FUNDS
• INDEX FUNDS
• Open Ended Schemes
• Close Ended Schemes
TAX
INCENTIVE
TYPE OF
SCHEMES
INVESTMENT
S
TIME OF
PAYOUT
• Dividend Paying
Schemes
• Reinvestment Schemes
TIME OF
CLOSURE OF
THE SCHEME
TAX
INCENTIVE
SCHEMES
• TAX SAVING FUNDS
• NOT TAX SAVING
FUNDS / OTHER
FUNDS
5. 2.MF growth in India
First Phase
1964-87
Second Phase
1987-1993(
Entry of Public
Sector Funds)
Third Phase19932003(Entry of
Private Sector
Funds
• Unit Trust of India (UTI) was established in 1963 by an Act of Parliament. At the end of 1988 UTI had Rs.6,700
crores of assets under management
• SBI MF marked the entry of non- UTI, public sector mutual funds set up by public sector banks and Life Insurance
Corporation (LIC) and General Insurance Corporation of India (GIC). SBI Mutual Fund was the first non- UTI Mutual
Fund established in June 1987. At the end of 1993, the mutual fund industry had assets under management of
Rs.47,004 crores
• 1993 was the year in which the first Mutual Fund Regulations came into being, under which all mutual funds,
except UTI were to be registered and governed. The erstwhile Kothari Pioneer (now merged with Franklin
Templeton) was the first private sector mutual fund registered in July 1993. As at the end of January 2003, there
were 33 mutual funds with total assets of Rs. 1,21,805 crores.
• There have been several amalgamation of mutual funds. The MF have also become popular among retail investors.
There were 28 mutual funds operating in India in April,2005.
Fourth Phase –
since February
2003
6. Below graph shows the growth of Mutual Funds in India since 2001 till 2013. Mutual
fund industry is growing except year 2009, when it fell down by 20%
Growth of Mutual Funds
1,000,000
There was a
dip of around
20% in 2009
900,000
AUM in Crores
800,000
700,000
600,000
500,000
400,000
300,000
200,000
100,000
0
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
7. 3. MF role in Savings
Mutual fund is a better savings account as it provides all the facilities that you get from
your saving account with better returns, have a look on below pointers:
Returns on Investment:
•
A savings account might give you anywhere from 1% to 1.7% whereas mutual funds
have a range of 1 to 3%. It doesn't mean that you will get 3% returns, but it does mean
your chances of receiving up to 3% returns are higher than with a savings account.
As with bonds, the performance of money market funds is strictly tied to the interest
rates set by the Fed. Hence when rates in the market are at very low levels, as they
were from 2002 to 2004 and 2007 to 2009, these types of funds generate returns on
lower range similar to savings account. So it’s important to be aware of current interest
rate environment and how it compares to your savings account rate before you invest
your money into funds.
8. Ease of use to Money
•
Mutual funds are comparable to savings accounts as far as the availability of liquid
assets to a market goes. There are usually free check-writing, automated electronic
exchange services and telephone exchange and redemption. If you are confident that
the money will be sitting inactive for more than three months, funds bills or CDs are
assured option, but they come with fines and fees for early redemption.
•
Both the mutual fund account and a savings account are for people who need access to
the money.
9. Security of Assets:
•
The main reason of saving money in banks isn't because of the profitable returns from
interest rates - it is because the bricks, sensors and a tempered steel safe put across a
sense of security that a sock drawer can’t match.
•
On the other hand, mutual funds are safe in different ways. There is no backing from
the federal government. Companies generally invest only in financially trustworthy
securities and all the investments must have an average maturity of less than 120 days.
This results in a lot of government issues (municipal, state, federal) - which are the
safest debt instruments - that have a lower capitulate than the average market, but a
better rate than your savings account.
10. Helps in Saving Taxes
•
Mutual Funds help in saving tax amount on larger basis as we get variety of plans to
invest in with higher returns whereas savings account has minimal options in Tax
saving schemes and offer low returns on investment.
11. Verdict
•
Changing from a savings account to a mutual fund account is more of a psychological
leap than it is a change in actual mechanics. Now with a mutual fund, you can still write
checks and transfer money into your checking account when you need it, but it is no
longer a savings account - it is an investment.
•
The returns are better, the security is equivalent, and taxes and access are simply
handled. Despite this, people believe that a savings account is somehow more firm. If
you can get around that type of thinking, you will find that a mutual fund account will
help you to see some returns from the money you are keeping in savings account.
Resource:
http://www.investopedia.com/articles/mutualfund/07/money_market_savings.asp
http://www.icifactbook.org/2006/06_fb_sec7.html
http://www.ici.org/pdf/ppr_ret_role_of_funds.pdf
12. 4. Challenges
Challenges which continue to persist are …
There are continuing concerns that the industry has been grappling with over a
considerable period of time.
Distribution network – Inaccessibility to smaller towns and cities due to lack of
distribution network
Low retail participation – Retail investor percentage is just 26% while
corporate/institutional investors accounts for 51% of total.
Lack of Investor Education – Most of the investors are not aware of how to invest and
where to invest.
Cost pressures – Cost pressure is originating as systems & processes are inefficient.
•
13. 5. Scope of MFs in coming years
Recommend
ations to revisit the
eligibility
norms of
AMCs
Regulation
for MF
Distributors
Vast Range
of Products
Scope of the
Mutual Fund
in Coming
Years
Real Estate
Mutual
Funds
Technology
as a game
changer
14. A) Regulation for MF Distributors
•
Mis-selling of Mutual Fund Products happen on larger scale as there is no separate
authority in India which operates distributors of different Mutual Fund Schemes
•
MFs need distributors who are able to inform the investors about the efficiency of
the product for a particular risk profile and stage in their life cycle. As the
prosperity of Indians increase, the range of financial products to meet people’s
need will increase and with it the need for professional financial advice from the
MF distributors will increase.
15. B) Recommendations to re-visit the eligibility norms of AMCs
•
SEBI had represented the “Committee on Review of Eligibility Norms” (CORE) to revisit the eligibility norms and other functional aspects approved for various
intermediaries.
•
The key recommendations are:
• Increase in the minimum net worth of AMCs from the existing Rs. 10 crores to Rs.
50 crores
• Change in the definition of net worth
• Sponsor to be a regulated entity
• Change in definition of control
•
Main objective of these recommendations is to permit only serious players to enter/
remain in the market. These changes can lead to a better governance of the MF players,
thereby increasing investor’s confidence in the industry.
16. C) Real Estate Mutual Funds
•
Real Estate Mutual Funds could be the next big product for the mutual fund industry
provided the regulators bring in more transparency on the tax and regulatory
characteristics.
17. D) Technology as a Game Changer
The power of mobile banking
•
Mobile banking is one of the best plans to tap rural market and to bring mass under the
umbrella of financial services. Mobile banking can reach un-banked population in rural
areas with no change in infrastructure or other technology.
•
Additionally, new mode of cash transactions needs to be searched beyond the POS and
ATM networks of banks. SMS based investing could be more helpful instead of
application based service as in this case user won’t be requiring Smartphone or high
internet connectivity.
18.
Utilizing Social Media in Marketing Plan
•
Social media is boom. It’s no longer an option of leading finance companies but a
requirement. While it cannot replace the face to face or mobile communication, it can
enhance the overall user experience and can help user to get all the details about the
schemes and funds online.
•
It is one of the best methods to convey your message to young generation who are the
main investors. Social Media is not a emerging technology but it has arrived and will
stay here to forever.
19.
Leveraging analytics to up-sell and cross-sell
•
Creating information management systems, Reporting systems and dashboards
through Data warehouses is the first step. These, in turn, can be used by for operational
perspective and a strategic perspective. The operational component can widely involve
streamlining and mechanizing business processes like sales, marketing and service.
•
The strategy can involve new product development for targeting new segment, crossselling to existing customers and enhancing customer relationship. The growth in
industry in completely depends on fulfilling the customer requirements. Analytics can
be leveraged to create differentiation amongst products in terms of specialization, new
features and value-additions to focus on different customer segments with different
requirements.
•
Thus applying advanced analytical techniques will maximize revenues through higher
customer retention and increased wallet share achieved by providing consistent
services and cross-selling.
20. E) Vast Range of Products
•
Indian mutual fund industry needs to come out with innovative products that could
supply the ever changing need of customers.
•
In US, MFs provide products that cater to the entire life cycle of the investor. Diversified
products will keep the present energy going for the industry in a more aggressive and
proficient manner. Further, Mutual funds have to battle with bank deposits and
government securities for their share of consumer savings.
•
Thus in order to make Mutual Fund suitable to retail investors, Mutual Fund industry
needs to offer more life cycle financial plans along with generic products.
•
Resource: http://www.pwc.in/assets/pdfs/financial-service/Towards_2015.pdf
21. 6. Educating your investor
•
Investor Contribution (As of Mar,
2010)
Corporates
26%
19%
51%
Bank/Fis
FIIs
HNI's
1%
3%
Retail
Investor awareness: What is being
done differently today?
•
Asset Management Companies have
realized that they need to invest in
financial education and awareness in
order to reap long-term benefits. That is
why campaigns to educate the customer
have picked up momentum as fund
houses try to bring novelty to the way
they connect with their target
customers. Main aims of these
campaigns are to educate the customers
and making them aware of mutual funds
as an investment option.
22. Some of the initiatives by different fund houses are:
Making the financial terms simple to understand: Simplify financial terms and
explain to the customer terminologies in an easy way. The USP is giving lessons and
videos which connect better with people. There are plans to involve investors in games
to engage their interests better.
Online Campaigns like “Myth Buster” are trying to break those myths about
investment and conveying the facts to the investors so that they can invest wisely.
23.
Another campaign uses the tag line Janoge tabhi to maanoge, and it involves using
radio and micro-sites as a medium to reach-out to investors.
‘Invest correctly’ campaign using print, digital and outdoor media. This fund house
also has a section on its website which details investor education.
The ‘Winvestor’ initiative which is directed towards female investors, to encourage
them to plan for their future and chart their financial plans. Financial planning clinics
are held where women get a chance to discuss their financial queries with a female
advisor.
24. 7. SWOT Analysis of Mutual Funds
Strengths:
1. Large number of potential
customers are base.
2. Government support by way of
tax concession for MF investors
3. Volatility of bank interest rate.
4. Better scope for accessing
market information
5. Offer liquidity to the investors
at any time.
6. Offers variety of products to the
investors.
Opportunities:
1. Huge untapped market in semiurban and rural areas.
2. High level of savings habit
among the people
3. Liberalized business
environment.
4. Using on-line mode of trading
systems.
5. Investment opportunities
abound in the international
market.
6. Failures of non bank financial
company operations.
Weakness:
1. Poor participation of retail
investors
2. Lack of focus
3. Under performance
4. Poor service conditions
5. Distribution network confines
only to metro cities
Threats:
1. Increasing competition among
the players.
2. High level of volatility in the
stock market.
3. Possibility of more stringent
regulations by SEBI , RBI , AMFI ,
etc ., in future.