Category: Finance

Mutual Fund Investment Made Simple with Edelweiss Guided Portfolio

Posted on by Aziz Ampanwala

Life is constantly moving at a very fast pace and there is limited time for anything considering the options we are spoiled with, for instance question commonly hovering over our head whenever we sit to decide on something would be what to choose? Where to choose? How to choose? What would be the best option that would yield optimum returns? The never-ending quest to get the best sometimes takes a toll and we end up making haste decisions.

So, why am I discussing all this? Ok, let me reveal the suspense of the topic, I am talking about mutual funds investment, though I have been speaking about it quite often these days on my blog, still I strive to provide you with the best I can from the market updates.  Recently in this quest to find some information about investing in Mutual Funds, I came across Edelweiss GPS through a recommendation of a JAFX ECN broker friend. Now you may ask me what is Edelweiss GPS? Edelweiss Guided Portfolio Service is an algorithm based intelligent system which designs mutual fund portfolios for investors and guides them towards their financial goals through systematic investments, you may ask me why am I highlighting a specific service provider to showcase right? But I would be happy to let you know that once I take you through the sheer features of Edelweiss GPS even you would want to start talking about it, well this is what I feel.

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Design: The Edelweiss Guided Portfolio online page will simply surprise you with the simplicity of the design which is clean, cluster free and pop up free, which lets you focus on the features of the website and allows you to better understand the complexity which is well disguised within their online page design.

Features:

e-KYC: KYC document requirements are always a task, with multiples forms and signatures and photos and what not, but wait, if you happen to have a Aadhar card that is all you need to open an account with the Edelweiss Guided Portfolio, hassle free within second registration.

Investing made simple: “I want to invest —– Rs. I’m —- years old, and prefer select a risk profile” like does it get any simpler then this? Once you fill this quick form, the backend algorithm calculates your preferred risk and show you mutual fund portfolios accordingly.

Simplicity in diversity: The dashboard is a prominent feature of the Edelweiss Guided Portfolio, which is very minimalistic in design, though the details of mutual funds invested in and market watch feature are a commendable achievement they have managed to sync in.

DATA: We all love data, we want well researched data guiding us through the market hic ups or providing details about emerging trends in mutual funds or even indicating any recent updates on where to invest, this is well taken care of in their research page with blog post across different market trends and updates, a must check feature.

I can go on and on with the features, but I want you all to discover the features all by yourself and indulge in some cluster free, highly informative and systematic mutual fund investment and let your money grow multi folds.

Make a wise investment decision with Mutual Funds

Posted on by Aziz Ampanwala

What is a general perception when you hear the word mutual funds investment? I bet the first thing that crosses your mind will be “risk” i.e. if you have never invested in mutual funds. But should that bother you when you have a successful moderator working for your investment funds in the market? Well, you would be interested to go through the article to know more about Mutual Funds.

To all the readers who are not well-versed with Mutual Funds, here is a brief description:

Mutual Fund investments are investments made in companies or firms which are public listed on National Stock Exchange / Bombay Stock Exchange. The returns on such investments depends upon the company’s performance and the overall market.

Why should you invest in Mutual Funds when you have a safer option of FD’s (Fix Deposits) you may ask?

The answer would be though mutual funds are not as safe as a FD deposit, still if mutual funds are invested in right companies comparing their past records and management, then the returns on yearly basis are much higher competitively and there is more flexibility  plus tax benefits.

Talking about Mutual Funds investment and risk, a balance is needed, which could yield a better dividend and is safer to investment in, here is where a unique plan from ICICI Prudential Mutual Fund steps in, the “Balanced Advantage Fund” scheme which is an open-ended equity oriented fund that brings multiple benefits to your investments. It strives for growth by investing in equity markets, while providing relative safety through investments in debt instruments.

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I would like to share some interesting facts and figures to illustrate on why the ICICI Prudential Balanced Advantage Fund is a good choice.

Investment Objective:

The objective of this fund is to create wealth over a long period of time through a balanced investment in equity markets as well as debt markets and money instruments. It also aims to do this by mitigating the risk from equity markets as much as possible by not sticking to a single strategy alone.

Why Invest?

  • Benefit from an in-house asset allocation model that aims to buy low & sell high
  • Aim to gain from market volatility over the long term

Fund Highlights

  • Invests in both equity & debt instruments
  • Provides tax-free returns#
  • Aims to provide month-on-month tax-free dividends$
  • Manage your monthly cash flow with Automatic Withdrawal Plan^ & Monthly Dividend Feature

#As per prevailing tax laws for FY16-17, returns earned after one year are tax free.

$Distribution of dividend is subject to approval from Trustees & availability of distributable surplus

^Automatic Withdrawal Plan is only a feature for regular withdrawal from the scheme and shall not be construed as an assurance or guarantee of return.

A 3-in-1 fund

BAF may be considered to be three funds rolled into one. When valuations become expensive the fund’s equity allocation can fall to as low as 30%. In such market conditions, the fund resembles a monthly income plan (MIP). When the market becomes fairly valued, the fund raises its allocation to equities to 65%, thereby resembling a balanced fund. And when market valuations decline, it raises its allocation to equities to the maximum limit of 80%. At such times it resembles an equity fund. Thus, it can be viewed as a three-in-one product, with the added benefit of being taxed like an equity fund.

BAF’s ability to perform in all market conditions makes it a very good fund for people with low to moderate risk appetite, who have invested in FDs all their lives but now want a moderate taste of equities. This is a fund for investors who don’t want to be bothered about questions such as: the market has risen (or fallen), should I book profit or stay put? The fund takes care of all these issues on investors’ behalf.

Thanks to BAF’s stellar performance, investors have reposed their faith in it. The fund’s asset under management (AUM) has risen from Rs. 204 crore in March 2013 to over Rs. 10,000 crore in November 2015, a 47-fold growth over just two-and-a-half years.

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Disclaimer:
Mutual Fund investments are subject to market risks, read all scheme related documents carefully

Get Smart with FinSmart E-Learning for Investors

Posted on by Aziz Ampanwala

We have a habit to be unorganized and casual about how we spend our  money, but what if we realise the potential of our hard earn money and make it earn for us, sounds like I am cracking a joke, right? Well! I am not because recently Finsafe have released an e-learning module named FinSmart to provide a scalable learning solution on personal wealth management.

Bangalore, India, April 20th 2016.

Finsafe India Private Limited has launched an e-learning module providing comprehensive information regarding personal wealth management. The 2 hour long module named FinSmart is aimed at people who want to make the most of their disposable income. It’s an excellent option, rather than just saving money and earning literally nothing out of it, learning and understanding different way to invest money opens up windows for better chances of ROI.

FinSmart covers basics of investment and concepts like inflation, compounding and risk in great detail. Investment tools such as mutual funds, debt instruments, insurance and pension, as well as factors affecting them are described in depth. Users also gain from a comprehensive financial planner, a model portfolio and the facility for making online investments.

FinSmart is an initiative of Mrin Agarwal, who won the CNBC Grand Jury Award for work done towards Financial Inclusion & Education in 2015. Mrin is also the co-founder of Womantra, a training program aimed at enhancing financial awareness among women. Womantra has trained more than 5000 people across 40 corporates across India over the last 2.5 years. The training sessions conducted by Womantra brought out that most young professionals in India were not prepared to achieve their financial aspirations and further highlighted the critical need to raise financial awareness and inclusion.

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Finsafe was created with the purpose of being a knowledge repository that simplifies financial information and empowers people to create wealth. “In a surging economy like India’s, it is crucial that individuals are informed to take effective action to improve overall financial well-being and avoid monetary distress.” says Mrin Agarwal. A Standard & Poor’s Financial Services LLC survey has found that more than 70% of Indians fare badly in financial literacy.

Finsafe’s efforts converge towards building a more financially inclusive future and FinStart is designed to address the investor awareness gap. FinStart is among the first of its kind opportunities for Indians to learn all about wealth management and investment at the place and pace of their choice.

About Finsafe India Pvt. Ltd.

Finsafe is a finance education & inclusion organization focused on equipping people with strategies to handle their money with focus on goals, growth and safety. Finsafe is a pioneer in bringing e-learning solutions on personal-wealth management to India. Learn more at www.finsafe.in .

Stock Market Investment – Be Wise

Posted on by Aziz Ampanwala

Investing in Stock Market is always considered to be not for the faint hearted, but what if the company is consistently performing well? Stock Market investing might be risky but it’s not the case when you analyze and compare the stock performance with proper basic knowledge of Market or even hiring a consultant is a wise choice if you are keen into trading into share market stocks.

Recently, while I was browsing the BSE website for a GLIMSE of where the market is going, I came across Kushal Tradelink Ltd, and while I was checking their stock performance I was surprised to see that the company has been a consistent performer in the Last 6 months when the BSE was not stable and fluctuating on a downward turn, sharing a screenshot  analysis for overview.

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So, if you see the Performance you would be tempted to invest in such a company but before that let me share with you the company details:

Kushal Tradelink Ltd has been in the market since 16 years now, it was incorporated in 2000, its major business is into Paper Sector, and they have 3 giant paper mills in Gujarat and a corporate house as well, apart from that the company also has wholly owned subsidiary in Singapore and in Ajman(UAE), subsidiaries are involved trading of physical agricultural, chemicals, paper waste and metals trading

Kushal Tradelink Ltd major revenue is generated through its paper manufacturing from recycle paper plants which had a turnover of Rs. 89.47 Cr., up 33.38% from last quarter Sales of Rs. 67.08 Cr. and up 21.44% from last year same quarter Sales of Rs. 73.68 Cr. Thought being listed in the BSE in B group I believe that it will be soon on S&P BSE 500. Stock is trading actively with over 10 lac shares average on a daily volume, stock price has risen consistently and have never fall even Rs. 10 from its high price at any point of time, company have declared interim dividend twice 40% in January and 60% in March.

Note*: December and September Quarter turnover and profits do not includes their subsidiaries turnover and profits, that will be accounted in annual financial balance sheet.

Kushal Tradelink Ltd are aggressive in the sales, bagging contract of Rs. 200Cr. with Shree Rama news prints, 250Cr. Deal with Adron enterprise ltd (Adani Group), 1000Cr. Deal with Bungee India (fortune 500 company) as well as more than 1500 SME business across India are regular buyer of their paper products.

Showing confidence in the growth of Kushal Tradelink Ltd, there has been a sharp increase in the number of retail investors , comparing after December Quarter 7991 retail investors have invested in Kushal Tradelink’s stock and after March quarter it rose to 20,000+ that shows increasing substantial public interest in the company’s stock. (refer for details: BSE

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Sometimes wise decisions are made by comparing analytical data and going through the progress pattern of a company before investing in stock market, and if I talk about Kushal Tradelink Ltd and the details I have mentioned above, it is quite obvious that the performance and growth is consistent and investment in such stocks pay consistent dividend.

If you have any questions or queries, please comment below.

How prepared are you – Do your Homework

Posted on by Aziz Ampanwala

Planning for a Childs future in terms of education is always in the top priority whenever you ask parents, education is that framework which will secure a Childs future and that’s why the emphasis on quality education is a set benchmark with parents who are willing to invest in their Childs education. Now talking about a Childs future, the basic research as a parent you would do is understand what does your child aspiration is and what does he want to become, I know that children these days get easily inspired after watching certain things  and it keeps on changing multiple times, however if we consider cost of education in any field today compared to say 1 or 2 decades, you will be surprised to know the inflation rate in education sector has been soaring more than 300%, now that can set any parent on the back seat considering how to plan financial with such high inflation rate for Childs future.

The trend in India as we might have observed from our parents, their friends, neighborhood and society is that firstly education funds are not always the set priority and its heavily dependent upon funds from FD’s (fix deposits), inheritance funds left by grandparent for their grand children and in many cases which is common these days is education loans which I feel is more of a burden which creates pressure for both parent and child.

I would give a fair share to my parents for providing me quality education, they definitely understood that education is a must for a brighter future and kept saving from the very beginning, however the saving were not enough to fulfill the complete fees and we had to opt for other resources however the intend was always there.

We are now an educated bunch of youth developing in India and we sure know the importance of Education but what we lack is the understanding somewhere about what could be a healthy and profound solution of saving for our child’s education? Mutual funds! How does that sound? Yes, with the ever growing and developing market, mutual funds investment has that right algorithm to fight the mighty inflation, as the investment grows and evolves with market at a brisk consistent rate.

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Lately an initiative was conducted in many cities of India at Crossword and KidZania on-ground activation for NEW INVESTOR EDUCATION AWARENESS CAMPAIGN – #DoYourHomework by Axis Mutual Fund to better understand the parent and child relation in terms of aspiration sync, apart from that information regarding parent’s ideas and opinion on education savings for their children were also taken as a crucial parameter.

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Considering the data and research parameter from the campaign, Axis Mutual Fund came up with some healthy pointers and useful details in their micro-site do your Homework, if you browse through you will come across a custom made market ready calculator that will help you plan your Childs future, apart from that you can also download The Homework App, a space that will make you think and get guidelines on how mutual funds can be beneficial if investment is started from a early age of the child and multiple market aspects as well.

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