THE POWER OF NOW IN INVESTING

We all know that old saying: "Being poor is having too much month at the end of your money." How is it that some people always have the money to meet their financial obligations (and then some!), while some of us are always struggling to get through those last two weeks of the month?

"I am an honest, hard-working, and competent person, why do I continue to perform so poorly in the financial markets?"

"I should have invested years ago, why did I wait?"

"I have missed all the upside."

"Now, I will never be able to retire."

No One Can Predict the Future - So Stop Wasting Time and Energy on It.

You are in the here and now, while your mind is in the future. This creates an anxiety gap. You don’t need fear to invest avoid unnecessary danger, just a minimum of intelligence and common sense.”

Don’t underestimate the time value of money

Perhaps the most fundamental concept of the modern financial system, "time value" is not just a concept for investment bankers and finance gurus. Essentially, time value means that ever $1 you have today is worth more than $1 you will have in the future.

Why is that? Because any amount of money you have today can be invested to earn interest or profit; the longer this amount contributes to an investment, the more money it will earn. Understanding the time value of money will allow you to maximize your income in the long run. At a 10% rate of interest, if you save $100 today, you will have $259 in the next 10 years.

Decisions Made Today Can Eliminate Regret Tomorrow

We cannot go back in time, nor can we change the decisions we made in the past. Therefore, if things have not gone well for you recently, you have to shift your focus to "what can I do right now to avoid feeling this way in the future?" A good first step is to focus more of your brain power on the Now, and less on regret and fear. A logical next step is to determine how you plan to focus on the present.

It’s important to start saving early

Going from $100 to $259 in 10 years does not seem that great a difference, and indeed, with small numbers and small time periods, the time value of money is not all that impressive. But the larger both the amount and the time period, the larger the amount you’ll earn without lifting a finger.

You can start small –

You don’t need a lot of money to start investing; in fact, it makes sense to start small. This way you can start sooner, rather than waiting until you have saved up a large amount, which could take years. It also means you can learn about investing without taking risks on large sums. If you don't invest, you are missing out on opportunities to increase your financial worth.

It is better to live at present, to enjoy and focus on the now, to be mindful of things. Life is Now, If not now, when? Don’t keep your unhappiness alive by giving it time.

म्यूचुअल फंड क्यों सही है?

आजकल म्‍युचूअल फंड को लोग निवेशक ज्‍यादा पसंद कर रहे हैं। क्‍योंकि म्‍युचूअल फंड में न केवल निवेश करना आसान है बल्कि इससे बचत करने की आदत पड़ती है।

भविष्‍य के आर्थिक संकट से बचाव

यदि आप भविष्य में किसी तरह के आर्थिक संकट से बचना चाहते हैं तो फिर लक्ष्य तय करना और उसके लिए प्लानिंग से निवेश करना जरूरी है। ऐसे में लक्ष्य की ओर धीरे-धीरे और मजबूती से कदम बढ़ाने का एक जरिया SIP है। आप घर खरीदने, गाड़ी लेना या फिर विदेश में छुट्टी की प्लानिंग करते हैं तो फिर एसआईपी के जरिए मौके पर अमाउंट हासिल कर सकते हैं।

ब्‍याज पर मिलता है ब्‍याज

SIP में निवेश का सबसे बड़ा लाभ यह है कि इसमें आप को मिलने वाले ब्याज पर भी भविष्य में ब्याज मिलता है क्योंकि वह मूलधन में जुड़ता चला जाता है। आप जब म्युचूअल फंड्स में इन्वेस्ट करते हैं तो आप अच्छा रिटर्न एसआईपी के जरिए हासिल करते हैं। कंपाउंडिंग इंटरेस्ट का लाभ तभी है, जब आप लॉन्ग टर्म में निवेश करते हैं।आप छोटी शुरुआत कर सकते हैं

आप कम से कम 500 रुपये की एसआईपी से म्यूचुअल फंड में निवेश शुरू कर सकते हैं। भले ही आपके पास निवेश के लिए पर्याप्त पैसा न हो, फिर भी आप अपनी म्यूचुअल फंड निवेश यात्रा शुरू कर सकते हैं। इससे आपको महत्वपूर्ण रिटर्न कमाने में मदद मिलेगी और निवेश की आदत भी विकसित होगी।

म्यूचुअल फंड निवेश सुरक्षित हैं

भारतीय प्रतिभूति और विनिमय बोर्ड (सेबी) म्यूचुअल फंड को सख्ती से नियंत्रित करता है। प्रत्येक म्यूचुअल फंड के लिए बाजार में कोई भी योजना लॉन्च करने से पहले सेबी पंजीकरण प्राप्त करना अनिवार्य है । इससे पारदर्शिता सुनिश्चित होती है. निवेशकों को इस बात की चिंता करने की ज़रूरत नहीं है कि कोई फंड हाउस उनका पैसा लेकर गायब हो जाएगा। हालाँकि, ऋण और इक्विटी से जुड़े मानक जोखिम म्यूचुअल फंड पर भी लागू होते हैं।

करोड़पति बनना है? म्यूचुअल फंड में इस तरह लगाएं पैसा, हो जाएंगे अमीर

हर कोई अमीर बनना चाहता है। लेकिन अमीर बनना कोई चुटकियों का काम नहीं है। इसके लिए जो बहुत जरूरी चीज है वह है वक्त और निवेश। सही वक्त पर सही जगह इन्वेस्टमेंट शुरू कर आप भी अमीर बन सकते हैं। महंगाई के इस दौर में अगर आप अमीर बनना चाहते हैं, तो कम से कम 1 करोड़ रुपये तो आपको पास होने ही चाहिए। आप नियमित रूप से बचत करके और उसे अच्छी जगह निवेश करके अमीर बन सकते हैं।

म्यूचुअल फंड में सबसे ज्यादा रिटर्न चाहते हैं, तो आपको इक्विटी म्यूचुअल फंड में पैसा लगाना चाहिए। यहां आप एसआईपी के जरिए अपनी छोटी-छोटी बचत निवेश कर सकते हैं। इस निवेश से आप एक बड़ा फंड तैयार कर सकते हैं।

निवेश वो पार्टनर है जो हमें आने वाले समय के लिए तैयार करता है, चाहे वो आर्थिक हो या व्यक्तिगत।

वित्तीय सफलता की दिशा में निवेश का महत्व अपनी जगह रखता है, लेकिन क्या आपने कभी सोचा है कि निवेश न केवल हमारे पैसों को ही बढ़ावा देता है, बल्कि हमारे व्यक्तिगत विकास में भी महत्वपूर्ण भूमिका निभाता है? वास्तव में, निवेश के माध्यम से हम न केवल अपनी आर्थिक स्थिति को सुधार सकते हैं, बल्कि खुद के व्यक्तिगत विकास की दिशा में भी महत्वपूर्ण कदम उठा सकते हैं।

NFO ALERT: INVEST WITH EASE IN JUST 2 MINUTES

SBI ENERGY OPPORTUNITIES FUND 

The fund will invest in companies across the entire energy spectrum, including traditional sectors like oil & gas and utilities, as well as new energy segments like solar and wind power. The (NFO) is open for subscription from February 6 to 20, 2024, with a minimum investment of Rs 5,000.

The scheme may invest up to US $25 million in Overseas securities and invest up to US $10 million in Overseas ETFs.

HOW TO INVEST

• Investors can scan QR code.
• Enter PAN and OTP.
• Provide folio details.
• Enter additional details and complete the transaction.

 

Investing has never been so easy before!!!

Systematic Investment Plan (SIP) for young investors

"SIP Your Way to Financial Freedom: Invest Regularly, Grow Consistently!"

Starting an SIP early offers the advantage of time, compounding, and a longer investment horizon, which can significantly contribute to the growth of wealth over the years.

Systematic Investment Plan (SIP) in mutual funds offers several advantages to investors. Here are some key benefits:

This is the motivation behind the idea of SIP in mutual fund:

Not everyone has enough money to invest in stocks.

Not everyone has expertise to understand stocks and differentiate good from bad.

Not everyone has time or the discipline to do regular performance analysis of your stocks.

Not everyone can trade in all the stocks to diversify the risk.

Systematic Investment Plan (SIP) for young investors is particularly useful for the for several reasons:

1.    Affordability:

·         SIPs allow individuals to start investing with small amounts of money, making it more accessible for young investors who may not have substantial savings.

2.    Discipline in Savings:

·         SIP instils a sense of financial discipline by encouraging regular and systematic savings. This habit can be especially beneficial for the youth in building a strong foundation for long-term financial planning.

3.    Long-Term Wealth Creation:

·         Young investors have the advantage of time on their side. By starting early with SIPs, they can benefit from the power of compounding over an extended period, potentially accumulating significant wealth in the long run.

4.    Risk Mitigation:

·         The youth can afford to take a more aggressive approach to investment by allocating funds to equity-oriented mutual funds through SIPs. Over the long term, equities have the potential for higher returns, and the youth can better weather short-term market volatility.

5.    Goal-Oriented Investing:

·         SIPs are conducive to goal-based investing. Young investors can align their SIPs with specific financial goals such as buying a home, starting a business, or planning for retirement, and they can systematically work towards achieving these objectives.

6.    Flexibility:

·         Young investors often experience changes in their financial situations due to career advancements, education, or other life events. SIPs offer flexibility in terms of investment amounts, allowing adjustments based on changing financial circumstances.

7.    Learning Experience:

·         Investing in SIPs provides an opportunity for the youth to learn about the financial markets, investment strategies, and the importance of patience and discipline. It serves as a practical introduction to the world of finance.

8.    Automation and Convenience:

·         SIPs offer the convenience of automated investing, where a fixed amount is deducted from the investor's account regularly. This automation eliminates the need for constant monitoring and manual intervention, making it convenient for the busy lifestyle of the youth.

9.    Liquidity:

·         SIP investments in mutual funds are generally liquid, allowing young investors to access their funds when needed. This liquidity provides flexibility, especially in times of unexpected expenses or emergencies.

10.                Building a Nest Egg:

·         SIPs help young investors in building a financial nest egg for future needs and aspirations. It lays the groundwork for financial security and provides a safety net as they navigate through various life stages.

In summary, SIPs are a valuable tool for the youth to kickstart their journey towards financial well-being. By embracing a disciplined and systematic approach to investing, young individuals can harness the benefits of compounding and set themselves on a path towards achieving their financial goals.

Thanks a lot for staying till the end 😃🙏, Let me know what you think.

WHY TO INVEST IN MUTUAL FUNDS?

Mutual funds have come a long way in India over the last 2 – 3 decades. Mutual funds are now among the most popular and Smart investment options for retail investors.

Mutual Funds are often misunderstood as a complex investment vehicle. However, in reality, they are pretty simple in their investment philosophy and offer investors a bunch of benefits such as diversification, professional money management, economies of scale, transparency, and liquidity.

The primary benefit of investing in a mutual fund is that you get exposure to a variety of shares or fixed income instruments. For instance, if you wanted to invest Rs.1,000 directly in stocks, you would probably get only a share or two. If, on the other hand, you invested through a mutual fund, you would get a basket of several stocks for the same amount.

They have the potential to generate higher-than-inflation returns.

MUTUAL FUND IS A SMALLER, DISCIPLINED INVESTMENTS

With mutual funds, you can start investing with an amount as minimal as Rs.500. If you don't have the discipline to invest regularly, a Systematic Investment Plan (SIP) can help you inculcate the habit. This means you are not constantly worried about investing large sums and you can also ensure that you are cultivating a routine for investing periodically. Mutual funds have a low investment threshold, making them accessible to low-income investors as well.

You can also set up a mutual fund account from the comfort of your own home. Once your Know Your Customer (KYC) documents are verified, you can start investing using online accounts or even mobile applications.

HIGH RETURNS

Mutual funds have the potential to generate high returns, which makes them an attractive investment option. Historically, mutual funds have delivered returns that are higher than fixed deposits and other traditional investment options.

In conclusion, mutual funds offer a variety of benefits to investors. From diversification and professional management to convenience and tax benefits, mutual funds present a wise investment option. By investing in mutual funds, you can aim to build wealth over time and achieve your long-term financial goals.

A FUND FOR EVERYONE

Equity funds are very popular amongst the retail investors among various categories of mutual fund products. Whether it’s a particular market sector (technology, financial, pharmaceutical), a specific stock exchange (such as the BSE or NSE), foreign or domestic markets, income or growth stocks, high or low risk, or a specific interest group (political, religious, brand), there are equity funds of every type and characteristic available to match every risk profile and investment objective that investors may have.

A SMALL STEP CAN LEAD TO A GIANT LEAP IN YOUR FINANCIAL PLANNING

Every journey, every innovation, every success story begins with a single step. It's easy to be overwhelmed by the magnitude of our goals, to feel intimidated by the scale of the challenges we've set for ourselves. But remember this: Every journey starts from a single point.

QUANT COMMODITIES FUND: NFO UPDATE

Quant Commodities Fund

NFO OPEN FROM  08 Dec, 2023 - 22 Dec, 2023

HOW TO INVEST

Your NFO link: -

CLICK HERE TO INVEST

A 2 step investment process and you are done

QUANT COMMODITIES FUND : NFO UPDATE

quant Commodities Fund

NFO OPEN FROM  08 Dec, 2023 - 22 Dec, 2023

In case the of bull markets, where the prices are rising higher, investors must feel confident in taking high risk in their investments. They should opt for equity fund schemes for their portfolio.

AN ACTION-PACKED FUND WITH MANIFOLD RETURNS

 

quant Commodities Fund is an open-ended equity scheme investing in commodity and commodity related sectors. The scheme will be benchmarked against Nifty Commodities TRI.

An investment in new fund offering (NFO) in a mutual fund can help you invest in new themes and sectors, diversifying your portfolio.

The objective of the scheme is to generate long-term capital appreciation by creating a portfolio that is invested predominantly in equity and equity related securities of companies engaged in commodity and commodity related sectors.

What is a commodity fund?

Commodity funds invest in raw materials or primary agricultural products, known as commodities. These funds invest in precious metals, such as gold and silver, energy resources, such as oil and natural gas, and agricultural goods, such as wheat.

 Why should you invest in Commodity Mutual Funds?

Investors have started warming up to investing in commodity funds at a rapid pace. These funds offer some great features and benefits make them attractive to investors. However, one must consider the risks too.

Portfolio Diversification

All investors seek to diversify their portfolio across different asset class and also with each asset class. Investing in commodity mutual funds can add an extra element of diversification to your investment portfolio.

Protection against market fluctuations

Unlike most other commodities, the prices of some commodities like gold and silver are not driven by market trends. Hence, they tend to offer good returns regardless of the performance of the market.

HOW TO INVEST

Your NFO link: -

CLICK HERE TO INVEST

THE GOLDEN ERA IN MUTUAL FUNDS IN INDIA

India now has 40 million people who invest in mutual funds. If you’re not one of those, and want to err on the side of caution, you can choose funds that demonstrated a good run for over 20 years.

If you have the stomach for stocks, but neither the time nor the inclination to do the homework, invest in equity mutual funds.

Mutual funds have gained immense popularity in India in recent years with the changing demographics and increasing life expectancy, retirement planning has become an important aspect of personal finance.

Mutual funds are accessible to investors with a range of investment goals and risk appetites. Mutual funds are available in a variety of asset classes and investment strategies.

The principal role of the mutual fund is to serve its investors.

Astounding facts about the mutual fund in India

Indian Mutual Funds industry has undergone dramatic changes in the last sixty years to become one of the most talked about sectors in the world. Following are some of the most noteworthy facts about the Indian mutual funds' industry.

1.    India is now the world's second-largest mutual fund industry, with over $400 billion in assets under management.

2.    The Mutual Fund industry in India is one of the fastest-growing markets in the world, with a CAGR growth of 17.5% over the past five years.

3.    More than 46 million households have invested in Mutual Funds in India.

4.    Although there are more than 40 Fund houses, the top 10 Fund houses or AMCs (Asset Management Companies) manage over 70% of the mutual fund assets in India.

Ongoing mutual fund NFO

With mutual fund investment in India, turn your dreams into reality. A great way to build a corpus for a secure future - for yourself and your family. Invest in Mutual funds today.

Current NFO

AXIS India Manufacturing Fund - Regular (G)

01 Dec 2023 TO 15 Dec 2023

Your NFO link
Click on below hyper links to invest now: 

 AXIS INDIA MANUFACTURING FUND GROWTH PLAN 

 Motilal Oswal Small Cap Fund - Regular (G)

05 Dec 2023 TO 19 Dec 2023

Your NFO link

Motilal Oswal Small Cap Fund Growth

 Bajaj Finserv Balanced Advantage Fund - Regular (G)

24 Nov 2023 TO 08 Dec 2023

Your NFO link

Bajaj Finserv Balanced advantage Growth Fund

You'll be unstoppable in all aspects of life. “Success requires both urgency and patience. Be urgent about making the effort, and patient about seeing the results.”

Ensure you have lots more left to spend and have a good life. 😀😀😀