Business cycle refers to the cyclical movement between periods of prosperity and despair in the economic activity of a country. These cycles come in phases that can last from a few months to as long as a couple of years.

Expansion: A sector or an economy is going through a cycle of high growth.

Peak: The expansion phase reaches its highest level, and the growth stabilizes.

Contraction: The growth in the sector or the economy starts to decline.

Slump: The growth hits its lowest point and then stabilizes at that level.

Each of these phase favours growth in different sectors and opens different cyclical opportunities which calls for a unique investing style – ‘Business cycle-based investing’. It has been observed that over a period, stock returns are largely driven by cyclical factors tied to macro-economic factors and hence corporate earnings.

The business cycle funds are a good option for investors to invest and benefit from the shifts in business cycles. Such funds follow a concentrated portfolio approach, which means that any positive news from emerging sectors will help boost returns significantly. On the other side, any negative news from these sectors will hurt the returns if not anticipated in advance. Aditya Bila SL mutual fund has launched Aditya Birla SL Business Cycle Fund. It is an open ended equity scheme following business cycles based investing theme.

Details of Aditya Birla SL Business Cycle Fund

Type-An open-ended equity scheme following business cycles based investing theme.

Category-Thematic Fund

Investment Objective-The investment objective of the scheme is to provide long-term capital appreciation by investing predominantly in equity and equity related securities with a focus on riding business cycles through dynamic allocation between various sectors and stocks at different stages of business cycles in the economy. The Scheme does not guarantee/indicate any returns. There can be no assurance that the objective of the Scheme will be achieved.

Min. Investment-Rs 500 and in multiples of Re 1 thereafter. Additional purchase Rs 500 and in multiples of Re 1 thereafter.

Face Value-Rs 10/- per unit

Options

• Growth
• Income Distribution Cum Capital Withdrawal Option (IDCW)

Entry Load-Not Applicable

Exit Load

• For redemption / switch-out of units on or before 365 days from the date of allotment: 1.00% of applicable NAV.
• For redemption / switch-out of units after 365 days from the date of allotment – Nil

Benchmark Index-S&P BSE 500 TRI

Issue Opens-November 15, 2021

Issue ClosesNovember 29, 2021

• For redemption / switch-out of units on or before 365 days from the date of allotment: 1.00% of applicable NAV.
• For redemption / switch-out of units after 365 days from the date of allotment – Nil

The investment strategy for Aditya Birla SL Business Cycle Fund will be as follows:

Aditya Birla SL Business Cycle Fund will predominantly invest in Indian equity and equity related securities with focus on riding business cycles through dynamic allocation between sectors and stocks at different stages of business cycles in the economy.

The fund house will hold Growth at Reasonable Price (GARP) philosophy, to achieve the long-term capital appreciation. The scheme will follow top down approach of portfolio construction to identify stage of business cycle, sector opportunities and subsequently using bottom up approach to identify strong companies within those sectors.

The scheme would aim to deploy the business cycle approach in investing by identifying economic trends and investing in the sectors and stocks that are likely to outperform at any given stage of business cycle. The fund manager will consider economic parameters (like Current Account Deficit, fiscal deficit, interest rates, inflation) investment indicators (like investment in capex, new projects cleared, etc.); business and consumer sentiment (purchasing manager index, business confidence index, sales of various consumer discretionary products, etc.) to decide on the expansion or the contraction phase.

The stock selection of the scheme would emphasize on identifying companies with sound corporate managements and prospects of good future growth. The fund managers will favour companies that offer the best value relative to their respective long-term growth prospects, returns on capital, and management quality.

Who will manage Aditya Birla SL Business Cycle Fund?

Mr Vineet Maloo, Mr Nitesh Jain and Mr Vinod Bhat (for overseas investments) would be the designated Fund managers for this scheme.

Fund Outlook – Aditya Birla SL Business Cycle Fund

Aditya Birla SL Business Cycle Fund aims to invest in dynamic allocation between various sectors and stocks at different stages of business cycles in the economy.

The scheme will make your portfolio conscious of business cycles, as different cyclical phases tend to favour different sectors. By focusing on identifying these opportunities in advance, this fund has the potential for growth through all business cycles.

The scheme offers investors flexibility and diversification in their portfolio by investing across all market sectors, themes, and market caps. The fund also has the flexibility to invest in select and favourable global opportunities, giving you the potential exposure to global markets as well. The fund managers will endeavour to pre-empt cyclical changes and opportunities in finding industry leaders to maximise potential of growth for investors.

However, being a thematic fund, this scheme will focus on investing in opportunities arising out of various stages of business cycles. This could limit the capability of the fund with a concentrated exposure towards few sectors, thus making it a risky proposition for investors. Also, it depends on the fund manager’s ability to effectively identify the shifts in business cycles and swiftly capture the opportunities across various sectors and stocks at the right time, which remains to be seen.

Aditya Birla SL Business Cycle Fund is suitable only for investors having high-risk appetite and long-term investment horizon of at least 5-7 year to survive the market volatility. Before taking an investment decision, you should ensure that your investment objective is aligned with the fund.

Mutual fund investments are subject to market risks read all documents carefully before Investing!

क्या आपने देखा है कि अगर आप गलत मोड़ लेते हैं , तो Google मानचित्र कभी भी चिल्लाता नहीं है, निंदा नहीं करता है या आपको डांटता नहीं है ।

यह कभी नहीं कहता है, “आपको आखिरी क्रॉसिंग पर बाएं जाना था, बेवकूफ ! अब आपको लंबा रास्ता तय करना होगा और इसमें आपको बहुत अधिक समय लगने वाला है और आपको अपनी बैठक के लिए देर होने वाली है ! ध्यान देना सीखो और मेरे निर्देशों को सुनो, ठीक है ???

अगर उसने ऐसा किया, तो संभावना है कि हम में से बहुत से लोग इसका इस्तेमाल करना बंद कर सकते हैं । लेकिन Google केवल री-रूट करता है और आपको वहां पहुंचने का अगला सबसे अच्छा तरीका दिखाता है । इसकी प्राथमिक रुचि आपको अपने लक्ष्य तक पहुँचाने में है, न कि आपको गलती करने के लिए बुरा महसूस कराने में ।

*एक बहुत अच्छा सबक है … *

अपनी निराशा और क्रोध को उन लोगों पर उतारना आसान है , जिन्होंने गलती की है । लेकिन सबसे अच्छा विकल्प समस्या को ठीक करने में मदद करना है, दोष देना नहीं ।

अपने बच्चों, जीवनसाथी, टीम के साथी और उन सभी लोगों के लिए Google मानचित्र बनें, जो आपके लिए मायने रखते हैं और जिनकी आपको परवाह है

एक वितीय सलाहकार होने के नाते हमारा काम भी अपने ग्राहको को उनके लक्ष्य तक पहुँचने में सहायता प्रधान करना है

इसलिए आज ही अपनी वित्तीय योजना बनाएं, हम इसे समय पर हासिल करने में आपकी मदद करने के लिए यहां हैं ..

You are a youngster, married , having a child and started off your career by earning a salary of 50000 per month.
You are keen that your son do his MBA in IIM. You have 15 years time. An SIP of 10,000, which is only 20% of your salary, will meet your goal without disrupting your life.
Your boss is earning 1.5 lac per month. He also plans to see his son educated in IIM. But he has only 2 years time as his son is already 16 years old. His SIP value is Rs 90000 which is 60% of his income and after accounting for his EMIs he is left hand to mouth.
You are planning your next holiday in Maldives and your boss is finding it difficult to take his family to Mysore.
Irony of Life.
Plan well, plan early. You will see the results.

Systematic Withdrawal Plans(SWP) is a mutual fund investment solution which gives fixed cash-flows at regular intervals. You can specify the amount, the intervals (e.g. monthly, quarterly, annual etc.) and day of the month, quarter etc., when SWP takes place and the amount credited to your bank account.

How does SWP work?

• You need to have an investment in the mutual fund scheme from which the SWP will take place. The investment can be made either in lump sum or through Systematic Investment Plan (SIP) over a period of time.
• In order to generate the cash-flows for SWP, the asset management company will redeem units of the scheme from your folio.
• The number of units redeemed will depend on the SWP amount specified by you and the prevailing NAV. For example, if you want withdrawal of Rs 10,000 per month from your folio and the scheme’s Net Asset Value (NAV) on the day of withdrawal is Rs 100, then number of units redeemed will be Rs 10,000 ÷ Rs 100 = 100 units.
• For every SWP instalment (e.g. monthly, quarterly, annual etc.), units of the scheme will be redeemed to generate the cash-flows. So your unit balance will keep diminishing over time.
• Your SWP will continue as long as you have sufficient unit balance for the next SWP withdrawal.

Example of SWP

Let us assume you invested Rs 10 lakhs in a mutual fund scheme. The purchase NAV was Rs 20; so 50,000 units will be allotted to you. Let us assume you start a monthly SWP of Rs 6,000 after some time. Please note that all the figures in this example are purely illustrative. For the sake of simplicity, we have ignored exit load. Let us see, how the SWP will work.

• In the first month of the SWP, the scheme NAV is Rs 25. In order to generate Rs 6,000 for you, the AMC will have to redeem, Rs 6,000 ÷ Rs 25 = 240 units. Your unit balance will be 50,000 units – 240 units = 49,760 units.
• In the second month, if the NAV is Rs 27. The AMC will have to redeem, Rs 6,000 ÷ by Rs 27 = 222.22 units. Your unit balance will be 49,760 units – 222.22 units = 49,537.78 units.
• In the third month if the scheme NAV is 28. The AMC will have to redeem, Rs 6,000 ÷ Rs 28 = 214.28 units. Your unit balance will be 49,537.78 units – 214.28 units = 49,323.49 units.
• You started with 50,000 units, but after the third SWP withdrawal, your unit balance will be down to 49,323.49 units.
• What is the value of your investment after the third withdrawal? Value of investment = NAV X Unit Balance = Rs 28 X 49,323.49 units = Rs 13.8 lakhs.

Disclaimer: All the figures in this example are purely illustrative for investor education purposes only. Units redeemed for SWP and investment value will depend on market movements and prevailing NAVs of the scheme. s. You should consult with your financial advisor before investing.

SWP versus IDCW

Both SWP and IDCW (formerly known as dividend option) provide cash-flows to investors. However, there are important differences between the two:-

1. Mutual fund IDCW (formerly known as dividends) payments are not guaranteed. The AMC may decide to change the payout rate or even stop IDCW for a period of time at their discretion.
2. In SWP, you will continue to receive fixed cash-flows at regular intervals till you have sufficient unit balance of the SWP scheme in your folio.
3. Mutual fund IDCW (or dividends) payments from either equity or debt oriented schemes will be added to the investor’s taxable income and taxed as per the income tax rate of the investor.
4. SWP withdrawals with be subject to capital gains taxation. We will discuss SWP taxation in the next section. Suffices to say, at this stage that SWP taxation over long investment tenures is more advantageous for investors in the higher tax brackets compared to dividend taxation.

SWP Taxation

Profits made in withdrawals within 12 months from the date of investment in equity oriented funds (equity allocation more than 65%) will be subject to short term capital gains tax. Short term capital gains in equity oriented funds are taxed at 15% plus applicable surcharge and cess. Profits made in withdrawals made after 12 months from the date of investment in equity oriented funds will be subject to long term capital gains tax. Long term capital gains in equity oriented funds are tax free upto Rs 1 Lakh in a financial year and thereafter taxed at 10% plus applicable surcharge and cess.

Profits made in withdrawals made within 36 months from the date of investment in non-equity or debt oriented funds (equity allocation less than 65%) will be added to your taxable income and taxed as per your income tax rate. Profits made in withdrawals made after 36 months from the date of investment in non-equity or debt oriented funds will be subject to long term capital gains tax. Long term capital gains in non-equity or debt oriented funds are taxed at 20% plus applicable surcharge and cess after allowing indexation benefits.

Things to keep in mind when planning SWP

• You should have moderate withdrawal rates if you want to continue your SWP for a long period of time.
• If your annualized withdrawal rate is lesser than the average return on investment, you can get both regular cash-flows and capital gains from your SWP over sufficiently long investment tenures.
• You should be mindful of exit loads when planning your SWP. Exit load is a charge levied on withdrawals made within the exit load period. Financial advisors usually recommend investors to begin their SWP after the exit load.
• You should be mindful of taxation when planning your SWP. If you want to avoid short term capital gains taxation, you should begin your SWP after the short term capital gains period i.e. 12 months or more for equity oriented funds and 36 months or more for non-equity or debt oriented funds.
• You should always invest in schemes according to your risk appetite and investment needs.

You should consult with your financial advisor to discuss which mutual fund scheme may be suitable for SWP basis your risk taking appetite and investment time horizon.

Mutual Fund Investments are subject to market risk, read all scheme related documents carefully.

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APPLY : YES for Listing Gain as well as Long Term

If you will not get allotment, you can also Buy at Listing price for Long term

Issue Opens On: 27 July 2021.

Issue Closes On: 29 July 2021.

Price band – 695-720 Rs.

Bid lot – 20 Shares & in multiple thereafter

Minimum application – Rs 14,400/-

ABOUT COMPANY :

Incorporated in 2011, Glenmark Life Sciences is the leading manufacturer of Active Pharmaceutical Ingredients (APIs). The company develops, manufactures, and supplies high-quality APIs for cardiovascular disease (CVS), central nervous system disease (CNS), pain management, and diabetes, gastrointestinal disorders, anti-infectives, and other therapeutic areas. It further operates in Contract Development and manufacturing operations (CDMO) to offer services to specialty Pharmaceutical companies.

Its products are being sold in India and also expoted to multiple countries i.e. Europe, North America, Latin America, Japan, etc. Currently, it has 4 manufacturing facilities at Ankleshwar and Dahej in Gujarat and Mohol and Kurkumbh in Maharashtra State with an aggregate annual installed capacity of 725.8 KL as of December 31, 2020.

Competitive strengths

• Leading manufacturer of selected specialized APIs for chronic therapeutic areas like CVS, CNS, diabetes, and pain management.
• Export products in Europe, Latin America, North America, Japan, and the rest of the world.
• Strong relationship with leading global generic companies.
• Proven track record of strong financial performance.
• High-quality product manufacturing with R&D infrastructure.

Company Promoters:

Glenmark Pharmaceuticals Limited is the promoter of the company.

Financial Profit after Tax ( in Million Rs)

Year 31/3/2019 1,955
Year 31/3/2020 3,130
Year 31/3/2021 3,515

For more details or Demat A/c please call us on 9431385172 ; 9835360269.

अगर आपकी उम्र 50 से अधिक है तो यह इन्वेस्टमेंट लेसन आपके लिए है।
अब आपके पास कमाने के लिए कम वर्ष हैं और जीवन लंबा है। आपकी सक्रिय आय ज्यादा से ज्यादा 65 साल तक चलेगी। फिर जीवन के बिस पच्चीस वर्ष और होंगे।
आपको अपने निवेश की योजना इस तरह से बनाने की जरूरत है कि आप 65 साल की उम्र में निष्क्रिय आय अर्जित करना शुरू कर दें, इसे हर महीने प्राप्त करें, यह सक्रिय आय के बराबर हो और इसे अगले बीस वर्षों तक मिलता रहे। बीस वर्ष बाद किया गया निवेश कम न हो ताकि मासिक आय को अधिक वर्षों तक रखा जा सकता है।
अगर आप इस तरह की योजना नहीं बनाते हैं तो 70 साल बाद का जीवन दर्दनाक होगा। आज हर किसी की जिंदगी में इतनी भागदौड़ है कि उसे बुजुर्ग की जरूरत, अहसास, अकेलापन महसूस नहीं होता। निराश बुजुर्ग जल्द ही मरना चाहते हैं और अगर आर्थिक संकट है तो परिवार भी बड़ों से छुटकारा पाना चाहता है।
इतनी दर्दनाक जिंदगी के पीछे एक बड़ी गलती है। हर कोई अपने जीवन भर की बचत को अपने बच्चों की शिक्षा या व्यवसाय में लगाता है। अपनी बचत से निवेश की योजना नहीं बनाते। दस साल में बच्चे और आप सब कुछ भूल जाते हैं। दस साल में आप आश्रित हो जाएंगे। पैसे की भीड़ हमेशा सबके लिए होती है। इस समय आपकी दवाओं का खर्च भी परिवार को पसंद नहीं आता। यदि आप यह गलती नहीं करते हैं और अपनी बचत की योजना अपने लिए बनाते हैं, आपको अपनी बचत से हर महीने एक लाख रुपये मिलते तो आप अपने जीवन के अंत तक एक सम्मानजनक जीवन जी सकते हैं।
आपकी आयु ५० वर्ष से अधिक है, अब आपके पास योजना बनाने के लिए कम वर्ष हैं। यहाॅ आप एक निवेश योजना बनाएं ताकि आपको या आपके जीवनसाथी को आपके जीवन के अंत तक मासिक आय प्राप्त हो। यह भी उतना ही महत्वपूर्ण है कि वह आय आपकी सक्रिय आय के करीब हो।
हमने यह योजना इसलिए बनाई है ताकि आप अपने जीवन के अंतिम चरण को खुशी और आदर से जी सकें। इस योजना के बारे में अधिक जानकारी के लिए तुरंत हमसे संपर्क करें।
जीवन का चुनाव तुम्हारा है, अपने जीवन के शेष दिनों को आश्रित हो कर निराशा में व्यतीत करना या जीवन की अंतिम सांस तक अपने जीवन साथी के साथ राजा की तरह जीना है।

अधिक जानकारी के लिए तुरंत हमसे संपर्क करें 📞📲 9431385172; 9835360269

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अगर आपको नहीं पता कि कहां जाना है तो आप हमेशा भटकते रहोगे। उदाहरण के लिए अगर आप दिल्ली पहुंचना चाहते हैं तो आप दिल्ली पहुंचने के रास्ते खोजोगे, फिर इसकी योजना बनाओगे। योजना के अनुसार जाने का प्रयास करोगे। अगर बीच में कोई रुकावट आती है, तो दिल्ली पहुंचने में थोड़ी देर हो सकती है, लेकिन अगर मंजिल तय है, तो पहुचेंगे जरूर।
निवेशक कभी यह नहीं सोचते की निवेश के दस बीस साल बाद उन्हें क्या मिलना चाहिए। वह एक ही मकसद से आते है की मेरे पास कुछ अतिरिक्त पैसे पड़े है एक दो साल के लिए, में क्या करू? फिर वह ऐसे विकल्प चुनते है जहा पिछले दो वर्षो में अच्छा रिटर्न मिला है, यह मानते हुए की अगले दो वर्षो मे उसे वही रिटर्न मिलेगा। कभी सोना चांदी तो कभी शेयर बाजार, कभी प्रॉपर्टी तो कभी बिटकॉइन। लालच बढ़ने पर पोंजी स्कीम। फिर निवेश वर्षो तक फंसा रहता है। अंत में सब मिलकर फिक्स डिपोजिट से भी कम रिटर्न मिलता है और डर के वापिस फिक्स डिपोजिट करते है। यह ज्यादातर निवेशकों की कहानी है। निवेशकों के भटकने का एक ही कारण है उनके दिमाग में निवेश का लक्ष्य स्पष्ट नहीं है।
एक सलाहकार के रूप में हमारी भूमिका आपको एक स्पष्ट तस्वीर देना है कि आप अपने निवेश से क्या प्राप्त कर सकते हैं। हम आपको आपकी मंजिल तक पहुंचाने का एक प्लान बनाते हैं। रास्ते में आने वाली बाधाओं से रास्ता साफ करते है और आपको आपकी मंजिल तक पहुँचाने में मदद करते है।
हम आपके लिए पहली निवेश योजना लेकर आए हैं जो आपके निवेश के विकर्षणों को दूर करेगी, आपको आपकी भविष्य की चिंताओं से मुक्त करेगी। जिसमें लक्ष्य स्पष्ट है, नियोजन सर्वोत्तम है और उद्देश्य स्वच्छ है।

अधिक जानकारी हेतू आप सम्पर्क कर सकते हैं।
📞9431385172; 9835360269
Email: pramadafinserv@gmail.com

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डेब्ट म्यूच्यूअल फंड एक पॉपुलर म्यूच्यूअल फंड इन्वेस्टमेंट प्लान है| यह  उन निवेशकों के लिए है  जो मुनाफ़ा भी करना चाहते है और ज़्यादा जोखिम भी लेना नहीं चाहते है |

इक्विटी म्यूच्यूअल फंड में आपका पैसा पब्लिक लिस्टेड कंपनियों के शेयर्स में निवेश किया जाता हैँ लेकिन डेब्ट म्यूच्यूअल फंड्स में आपका निवेश किया पैसा सरकारी कंपनि और सिक्योरिटीज में लगाया किया जाता है |

ये दोनों  म्यूच्यूअल फंड इन्वेस्टमेंट प्लान्स को लेकर अक्सर निवेशक सोच में पढ़ जाते  हैं।

दुविधा यह रहता है के वे समझ नहीं पाते है की  दोनों में कौन बेहतर है उनके लिए |

इसे समझने के लिए पहले समझना जरुरी है के डेब्ट म्यूच्यूअल फंड क्या है |

क्या है डेब्ट म्यूच्यूअल फंड….

यह एक खास तरह का म्युचुअल फंड है जिसमें आप का पैसा फिक्स्ड इनकम सिक्योरिटी के तहत निवेश किया जाता  हैं। यानि के यहाँ आप को अपने निवेश किये पैसो मे प्राप्त ब्याज एवं परिपक्वता अवधि का पहले से पता होता है | इस लिए इसे फिक्स्ड इनकम सिक्योरिटी भी कहा जाता है | लेकिन यहाँ इक्विटी फंड के मुनाफे से कम मुनाफा होता है |

लेकिन अगर पैसा अलग-अलग सिक्योरिटीज में ठीक से निवेश किया जाये तो डेब्ट म्यूच्यूअल फंड से भी अच्छा मुनाफ़ा हो सकता है। इस म्यूच्यूअल फंड में रिटर्न्स का अनुमान लगाया जा सकता है, इसी वजह से यह ये छोटे निवेशक के लिए एक सुरक्षित इन्वेस्टमेंट प्लान है |

यहाँ  यह समझना ज़रूरी है की आपका पैसा डेब्ट फंड के तहत कहाँ निवेश होता है | तो समझले जब आप डेब्ट फंड्स में निवेश करते है  तो आप का इन्वेस्टमेंट मैनेजर सारे  निवेशकों के पैसो को अलग-अलग क्रेडिट रेटिंग्स की सिक्योरिटीज़ में निवेश कर देते हैं।

जो संस्था क्रेडिट रेटिंग इन निर्धारित सेक्यूरोटिस को देती है वही इनका जोखिम निर्धारित भी करती है। ज्यादा क्रेडिट रेटिंग वाले डेब्ट म्यूच्यूअल फंड से ज्यादा मुनाफा मिलने का संभावना होता है।

यह बात समझ ले डेब्ट फंड की मेच्योरिटी जितना कम समय में होगा आप को उतना कम नुकसान होगा |

डेब्ट म्यूच्यूअल फंड्स के प्रकार

डायनामिक बॉन्ड फंड्स – यह डेब्ट फंड बदलती ब्याज रेट के हिसाब से अपना पोर्टफोलियो बदलता रहता है | इस फंड का मेच्योरिटी टाइम भी बदलता रहता है|

इनकम फंड – इस फंड में भी आपका इन्वेस्टमेंट मैनेजर ब्याज दर के अनुसार अलग अलग डेब्ट सिक्योरिटीज में निवेशकों का पैसा निवेश करते रहते हैं|  लेकिन इस म्यूच्यूअल फंड की मेच्योरिटी अवधि लंबे समय की होती है और इसी कारण यह डायनामिक फंड्स की तुलना से ज़्यादा स्थिर होती  हैं।

शॉर्ट- टर्म एवं अल्ट्रा शॉर्ट- टर्म डेब्ट फंड्स – ये उन निवेष्को के लिए है जिनके पास कम समयावधि होती हैं पैसा निवेश करने के लिए| इन फंड्स का मेच्योरिटी का समय लगभग ३  साल का होता है। यह इन्वेस्टमेंट प्लान सामान्य निवेशक के लिए बोहत अच्छा हो क्यों की  ब्याज दरों में बदलाव से यह प्रभावित नहीं होती हैं।

लिक्विड फंड्स – यहाँ  निवेश किये पैसो  की मेच्योरिटी अवधि ९१  दिनों से ज़्यादा नहीं होती है। इस फंड में  जोखिम कम है और रिटर्न भी कम होती है| इस फंड् को बैंक के   बचत खाते का अच्छा विकल्प कहा जाता हैं|

स्थिर बाजार में डेब्ट फंड्स निवेश बेहतर विकल्प देता है। क्यूकी इस फंड के तहत ट्रेजरी बॉन्ड्स में पैसा निवेश किया जाता है, तो ऐसा माना जाता है की इसमें रिस्क कम होती है |   तो अगर आप कम जोखिम लेकर ज़्यादा मुनाफ़ा चाहते है तो अपने इन्वेस्टमेंट मैनेजर से आप ज़रूर डेब्ट बांड के बारे में बात करे और निवेश करे |

डिस्क्लेमर : म्युचुअल फंड निवेश बाजार जोखिमों के अधीन हैं, सभी योजना संबंधी दस्तावेजों को सावधानी पूर्वक पढ़ें.

As the festive season draws nearer, plans of shopping, preparation of delicacies, traveling, etc., are made well in advance — a month or two! This pre-preparatory phase helps us identify all the activities that need to be done and ample time is available for anything that gets left out. Diwali, the festival of lights, that is celebrated all over the world, not just brings in happiness and prosperity, but also teaches us some lessons that can be implemented in our investments. So, during this festive season, should we just splurge on gifts, clothes, gadgets, and the like? Or should we make some wise investments that will help us prosper in the future as well? 

The wild-card entry of the Covid-19 pandemic has left all of us with a badly hit economy. This is the time where research and a positive attitude helps make the right investment choices. While investing in any kind of investment option, it is advised to analyse and understand different parameters – capital available for investment, risk appetite, investment goals, the horizon of investment, income sources, expenses, etc. This Diwali, let us peek into the top five investment instruments that are worth considering.

1. All that glitters is Gold!

Yes! The first investment option would b gold and silver. When it comes to these precious metals, we have a lot of sentiments attached and there is always an assumption of the price never falling for these metals. However, this doesn’t mean that you invest all your savings in Gold or silver. The ideal percentage of investment in these metals would be 5-8% of the resources set aside for investment. It is advised never to plant all your funds in one investment option and aim for diversification of funds. Always remember the inverse proportion of metal prices to stocks, and this is what hedges the overall risk. Additionally, if you do not wish to hold gold in physical form, you could also opt for the Sovereign Gold Bonds that has been launched by the Government of India.

2. No Risk, No Return – The Equity Market

The pandemic has definitely shown us the returns provided by the equity market in a span of just 3 months! Investing in the stock market might appear to be risky, but the returns are equally high! There isn’t the best time to enter the market. The earlier you start understanding the functioning of the market and various technicalities of the market, the more you could earn from this lucrative investment option. The best way is to diversify the stocks and own those stocks that are bound to give you returns in the long as well as short term. With technology at our fingertips, even a beginner can access informative matters regarding the stock market from experts and start investing. 

3. Manage your funds professionally via Mutual Funds

Those beginners who seek professional management with regard to investments can opt for investment in mutual funds. They offer ease of investment, flexibility, diversification of funds, and also give you great returns. This is why you will find a lot of people moving their funds in this investment option. Mutual funds are great options for long-term investments. To invest in a mutual fund, you must be aware of your investment goal, based on which you can then decide whether you need to invest in equity, debt, or hybrid mutual funds. 

4. Invest in Yourself – Insurance

While you splurge on electronics, apparel, renovation, etc., this Diwali, you must remember to get your family and yourself health insurance. If you do not have any kind of insurance, the pandemic is a great reminder to get yourself one!

5. Invest in Real Estate

Diwali is the time where gold and silver are the most preferred investment choices and real estate follows the lead. Investing in property is considered to be one of the safe options for investment. However, currently, though the real estate sector isn’t doing great, this is the perfect time to identify your dream property and begin your investment in it. The real estate sector is one such sector that does not promise short-term handsome returns, however, in the long run, the returns can be quite lucrative. Also remember, that one must not allocate their entire surplus capital in just one investment option.

Conclusion: The wide range of investment options available can make it quite confusing for beginners. The best way to begin an investment is to analyse various parameters based on which making an investment becomes quite easy and simple. Additionally, post conducting your personal research, you can also seek guidance from finance experts. You can invest your surplus funds in safe investment options like gold, fixed deposits, post office saving scheme PPF, and if you aren’t risk-averse, you could also include equities and mutual funds. The thumb rule in investments is diversification. This helps in reducing the overall risk and also ensures extracting a better return. So, this Diwali, protect your future with some wise investment decisions!