Fall 2024 Scholarship: Get Up to $10K for Your Master's Abroad! Fall 2024 Scholarship: Get Up to $10K for Your Master's Abroad!

Apply now
Debt Mutual Funds Vs FD. Which is better?

Debt Mutual Funds Vs FD. Which is better?

There is an ongoing debate on the topic of debt mutual funds vs FD to determine which is the better savings option. The normal mentality of a common person has been to invest in FDs as it is convenient and safe with fixed returns, but with time the thought process has shifted in favor of debt mutual funds as they offer good returns compared to FDs.  Let us discuss the topic in detail depending on different parameters to understand the best possible option from the investor’s viewpoint. https://www.youtube.com/watch?v=v4gmR-U_vHA Differences between debt mutual funds vs FD 1. Capital protection In terms of capital protection FDs have an advantage over debt mutual funds. According to the RBI directive, a bank depositor has a protection cover of a maximum of 5 lakh for both principal and interest in case the bank fails. If the depositor has FDs in different banks, then the protection cover will apply to all the banks separately.  Debt funds do not include capital protection as the investors are faced with credit risk and interest rate risk.  2. Safest Instruments FDs are the safest instruments for investible surplus as they are protected by RBI guidelines. In contrast, debt mutual funds are subjected to market risk as the underlying securities are exposed to market fluctuations and capital erosion.  3. Interest rates and returns The interest rates of FDs remain fixed until their maturity date, irrespective of any changes in the rate over that period. The expected return of the investment thus remains the same as before. Suppose an investor has opened an FD for two years at 6% per annum, then the rate will remain fixed throughout the whole tenure even if the bank has increased or decreased the rate in the interim period, and they will be paid the same amount of money which was calculated at the start of the investment.  In the case of debt mutual funds, the returns depend on interest income and capital gains from the underlying securities.  4. Rate of returns  In the case of debt mutual funds vs FDs, the estimated rate of returns for debt mutual funds is generally 7% - 9% and for FDs is an estimated 5% to 8%. Although FDs have a fixed return and debt, mutual funds do not come with assured returns.  5. Short-term holding period The average rate of return of FDs is considered better than that of debt funds in the short haul as the former manages to outperform the latter.  6. Long-term holding period When the holding period is long-term, then it is better to invest in debt mutual funds than FDs. Even if the interest rates do not fall within that period, the corporate bond funds would easily beat the FDs in the same period.  7. Inflation-adjusted returns In debt mutual funds vs FDs, the FDs usually have low inflation-adjusted returns, whereas the debt mutual funds show potential for high inflation-adjusted returns.  8. Dividend option There is no dividend option on FDs, whereas the answer is yes for debt mutual funds.  9. Taxation The taxation on debt mutual funds is lower than the fixed deposits. Despite the TDS deductions by the bank, the interest income from FDs is included in annual income and taxed according to a person’s tax slab.  In debt funds, the returns on investment within 3 years are treated as short-term capital gains. It is included in annual income and taxed according to the individual’s tax slab. The returns on investments after three years are treated as long-term capital gains and are taxed at 20% with indexation benefits.  10. Premature withdrawal In debt mutual funds, premature withdrawal is allowed with exit load/no load, whereas in FDs, it is allowed with a penalty.  Banks generally levy a penalty of 1% on premature withdrawal of FDs, and the amount is deducted from the effective rate of interest. In debt funds, except for the fixed maturity plan, which restricts redemption, all the other funds are allowed withdrawal by paying a minimum amount of exit load.  11. Cost of investment The banks do not charge a fee for opening or maintaining an FD account. On the other hand, mutual fund houses charge multiple fees like commissions, management fees, legal fees, etc., for operating the debt funds.  https://www.youtube.com/watch?v=7hXeSyWLiZ4 Conclusion If you want to know who is the winner in debt mutual funds vs FDs, then both have advantages and disadvantages. FDs have the upper hand in terms of capital protection, safe investments, income certainty, and investment cost compared to debt mutual funds. In comparison, debt mutual funds are better options in terms of premature withdrawal, dividend options, long-term investments, taxation, and rate of return. Consult an expert advisor to get the right plan TALK TO AN EXPERT
HDFC Multi Asset Fund: Investment, Returns & More

HDFC Multi Asset Fund: Investment, Returns & More

HDFC Asset Management Company Ltd. (HDFC AMC) is one of India's largest mutual fund companies. It is among one of the most profitable asset management companies (AMC) in the country. The company manages assets of over Rs. 4.8 Lakh crores (excluding domestic fund of funds) as of 30th June 2023. https://www.youtube.com/watch?v=qy_EsYNTJU4 HDFC Multi-Asset Fund Investment Objective The objective of the Scheme is to generate long-term capital appreciation/income by investing in a diversified portfolio of equity & equity-related instruments, debt & money market instruments, and gold-related instruments. Investment Strategy Equity - The Fund follows a model whereby equity allocation is decided by factors such as TTM P/E, 1 Year Forward P/E, TTM PB, Earnings Yield/ G-Sec Yield, etc., with monthly rebalancing. Arbitrage - The Fund seeks to generate income through arbitrage opportunities. The arbitrage allocation ensures the fund is equity-oriented. Arbitrage allocation reduces the impact of equity drawdown. Debt - The Fund seeks to generate income by investing in debt securities based on credit quality, liquidity, interest rate, and outlook. Portfolio Composition The fund holds 54.07% equity, 13.29% debt, 13% commodities, 3.31% real estate, and 16.8% in Cash and cash equivalents. The significant sectoral exposure is to Financials, which account for over 16.68% of the equity portfolio. The top five sectors hold more than 34% of the equity portfolio. Date: 31st July 2023 Source: Value Research HDFC SIP Calculator Top 5 Holdings for HDFC Multi-Asset Fund NameWeightage %HDFC Gold ETF12.76%HDFC Bank6.26%ICICI Bank4.29%Axis Bank4.2%Bharti Airtel2.26%Date: 31st July 2023 Source: Value Research Invest in HDFC Mutual Fund Fund Managers for HDFC Multi-Asset Fund Currently, the HDFC Multi-Asset Fund is managed by the following fund managers. Mr Bhagyesh Kagalkar (Since 2nd February 2022): Collectively over 28 years of experience in Equity Research, investments, and Finance. Mr Srinivasan Ramamurthy (Since 13th January 2022): Collectively over 15 years of experience in equity research and fund management. Mr Anil Bamboli (Since 17th August 2005): Collectively over 28 years of experience in Equity Research, investments, and Finance Mr Arun Agarwal (Since 24 August 2020): Collectively over 23 years of experience in equity, debt, and derivative dealing, fund management, internal audit, and treasury operations. Mr Nirman Morakhia (Since 15th February 2023): Fund Manager and Dealer – Equities. Mr Priya Ranjan (Since 15th February 2023): Collectively, over 15 years of experience. Senior Equity Analyst and Fund Manager for Overseas Investments. Who Should Invest in HDFC Multi-Asset Fund? Investors looking to diversify their portfolio by gaining exposure to an actively managed portfolio across a variety of asset classes (like equity, gold, debt, etc.) under a single unified scheme may consider multi-asset allocation funds as a good option. However, investors should remain invested long-term to witness wealth creation. Past Performance of Regular Plan as of 31st July 2023. Full Name1Y3Y5Y10YSince InceptionHDFC Multi-Asset Fund (%)1416.0911.2911.179.89Benchmark Returns (%)14.1116.3812.4412.66NAAdditional Benchmark Returns (%)16.1822.7113.0214.5113.83 Conclusion The HDFC Multi-Asset Fund has been in existence for nearly two decades. It provides an opportunity to invest across various asset classes with the benefit of true diversification. So, investors looking to diversify their investments across various asset classes can consider this fund. DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only.
Investment strategies in a volatile market

Investment strategies in a volatile market

Markets are never stable. Investors know that the market is cyclical, where it booms and corrects periodically. But what to do during extreme ups or extreme downs? Taking the wrong choice can cause a significant loss or completely erase all the wealth that you have previously created in your portfolio. This article will help you with some of the best investment strategies in a volatile market. Continue reading to know more What are the basic things you can do to deal with market volatility? Some precautions you as an investor can take to reduce the impact of overall market volatility on your portfolio. How? Do a periodical review of your portfolio. This helps you know the performance of the investments that you have chosen. It indicates the efficiency and effectiveness of your portfolio. It helps you analyze whether or not your investments align with your goals and objectives. Have a rebalanced portfolio. Periodically rebalancing your portfolio will help you minimize the overall portfolio volatility. A rebalanced portfolio will efficiently capture the up-market and the down-market movements. It is capable of efficiently controlling losses during major market corrections. Have a well-diversified portfolio. When starting your investment journey, you should ensure you have a well-diversified portfolio that helps reduce portfolio volatility. The assets will compensate for each other's performance in a diversified portfolio. https://www.youtube.com/watch?v=uYlrsx9_yog&t=1s What are the best investment strategies in a volatile market? 1. Index fund An Index Fund invests in the company stocks of a benchmark index in the same proportion as the index. The fund does not intend to outperform the benchmark and move along the benchmark it is invested in. There is no active investment strategy or change in the fund’s portfolio. Therefore, the volatility is much lesser compared to other equity funds. The ideal investment horizon is 5-7 years and is best for investors with a low-risk appetite and who are okay with steady, stable returns. 2. Balanced fund Balanced funds are hybrid funds that provide investors with long-term capital appreciation with exposure to both equity and debt. There are options like aggressive hybrid and dynamic asset allocation funds (DAAF). A DAAF follows an intelligent asset allocation strategy within the fund. The debt-equity ratio is periodically balanced and changed based on market conditions and requirements. If the market is corrected and undervalued, the fund automatically increases the equity component and reduces the debt component with the growth forecast in mind. Whereas, if the market is overvalued already, the fund will reduce the equity exposure and increase the debt component to avoid the fund from facing heavy market corrections leading to a loss. 3. Debt funds The safest bet against market volatility is debt funds. You have options like corporate, municipal, short-term, etc. They are highly liquid and generate returns that beat inflation. This investment option is best for investors with a small investment horizon or in their retirement phase who depend on their savings and have a minimal risk appetite. 4. Staying invested long-term Volatility and market fluctuations are more evident in short-term horizons. Investing for an extended period and not paying attention to the short-term market movements helps your wealth creation objective. At the same time, you should have a strong strategy and a well-diversified portfolio. Again, do not blindly follow the buy-and-hold strategy. Please research before investing in any instrument and plan to hold it for an extended period. The bottom line is that a portfolio should have a mix of different investment instruments. There is a saying that "you never put all your eggs in one basket". This means that by investing all your money in one place, your entire portfolio is directly correlated to the movement of that instrument, in short, concentration risk. Different instruments give you benefits and varying returns from all the assets. Never sell your investments during extreme market volatility, even if your portfolio has significant losses unless you need liquid money. Instead, use this as an opportunity to invest more and acquire units of the instrument at discounted rates. This will help you average out your losses and generate good levels of return on your portfolio. Consult an expert advisor to get the right plan TALK TO AN EXPERT
Quantum Multi Asset Fund of Funds

Quantum Multi Asset Fund of Funds

Incorporated in the midst of the Global Financial Crisis, Quant Mutual Fund has been in existence for approximately two decades now. The AMC offers a variety of mutual fund schemes, including equity funds, debt funds, and hybrid funds. Quantum Mutual Fund is known for its focus on active management and its commitment to providing investors with high-quality investment products. Quantum Multi Asset Fund of Funds  Investment Objective: The primary investment objective of the scheme is to generate modest capital appreciation while trying to reduce risk (by diversifying risks across asset classes) from a combined portfolio of equity, debt/money markets, and gold schemes of Quantum Mutual Fund.   Investment Process   The scheme may invest in the units of debt/money market schemes of other mutual funds to gain exposure to debt as an asset class to manage any investment and regulatory constraints that arise / that prevent the scheme from increasing investments in the schemes of Quantum Mutual Fund.   The scheme follows the thought process of investing in a diversified asset class so that the investors can make the most money out of their investments.   Portfolio Composition  The fund had invested 99.29% of the funds across different mutual fund schemes, having exposure to various asset classes such as equities, debt, commodities, etc., and the remaining funds were held in cash and cash equivalents on 31st October 2023. The equity portfolio is biased towards large-cap equities, with 93.9% of the funds allocated to large-cap stocks and the remaining to mid-cap and small-cap stocks, with 5.46% and 0.28%, respectively.  Note: Data as of 31st October 2023. Source: Value Research Top 5 Holdings for Quantum Multi Asset Fund of Funds   Name Weightage % Quantum Liquid Direct-G 26.70 Quantum Nifty 50 ETF-IDCW 23.95 Quantum Dynamic Bond Direct-G 19.40 Quantum Gold 15.49 Quantum Long-Term Equity Value Direct-G 8.54 Note: Data as of 31st October 2023. Source: Value Research  Performance for Quantum Multi Asset Fund of Funds    CRISIL Composite Bond Fund Index (20%) + S&P BSE Total Return Index (40%) + CRISIL Liquid Index (25%) + Domestic Price of Gold (15%)  Period Scheme Benchmark Since Inception 9.17% 10.08% 7 years 8.20% 10.22% 5 years 8.82% 11.08% 3 years 9.23% 10.39% 1 year  9.39% 9.47% Note: Returns in % as of 31st October 2023. Source: quantumamc.com  Invest in Fund Fund Manager  The fund is managed by Mr.Chirag Mehta. He has been managing this fund since 11th July 2012. He has 19 years of work experience in this field.   Who Should Invest in Quantum Multi Asset Fund of Funds?  The fund is suitable for investors who are seeking.   Long-term capital appreciation.  An investment opportunity in the schemes of Quantum Mutual Fund, whose underlying investments are in equity, debt/ money market instruments, and gold.  Why Invest in this Fund?  The asset allocation of this fund is dynamic and research-backed.  It aims to generate superior risk-adjusted returns.  The fund is diversified across Equity, Debt, and Gold schemes of Quantum Mutual Fund.  It provides tax-efficient rebalancing and indexation benefits.  It provides periodic rebalancing to buy at low and sell at high.  Time Horizon  One should look at investing for at least five years or even more.  Investment through a Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion  The Quantum Multi Asset Fund of Funds is an open-ended fund that allows investors to invest in different schemes of Quantum Mutual Fund. Investors willing to have exposure to different asset classes for diversification can consider this fund for a medium to long-term time horizon. DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only.
Quantum Liquid Fund

Quantum Liquid Fund

Incorporated in the midst of the Global Financial Crisis, Quant Mutual Fund has been in existence for approximately two decades now. The AMC offers a variety of mutual fund schemes, including equity funds, debt funds, and hybrid funds. Quantum Mutual Fund is known for its focus on active management and its commitment to providing investors with high-quality investment products. Quantum Liquid Fund Investment Objective: The primary investment objective of the Quantum Liquid Fund is to provide optimal returns with low to moderate levels of risk and high liquidity through judicious investments in the money market and debt instruments. The primary objective of the Liquid Fund is to ensure that your investments are made prudently in safe and liquid instruments to earn slightly higher returns than interest on a bank savings account. Investment Process: · The fund prioritizes Safety and Liquidity over Returns and invests predominantly in Government Securities, Treasury Bills, and Money Market instruments issued by Public Sector Undertakings. · The scheme primarily focuses on safety, liquidity, and returns while considering investment options. · The scheme tries to minimize the credit risk by investing primarily in Government securities or PSUs, rated as AAA/A1+. Portfolio Composition: The fund holds its assets mostly in debt instruments to achieve its investment objective. The portfolio comprises 99.32% of allocation to debt securities, and the remaining is held in cash and cash equivalents. Note: Data as of 31st October 2023. Source: quantumamc.com Top 5 Holdings for Quantum Liquid Fund NameWeightage %Reserve Bank of India T-Bills 182-D 07/12/202316.85Bank Of Baroda CD 15/11/20238.46Small Industries Devp. Bank of India Ltd CP 91-D 22/11/20238.45Export-Import Bank Of India Money Mkt 91-D 07/12/20238.42National Bank For Agriculture & Rural Development Money Mkt90-D 13/12/20238.41Note: Data as of 31st October 2023.Source: quantumamc.com Performance for Quantum Liquid Fund CRISIL Liquid Fund AI IndexCRISIL 1 year T-bill IndexPeriodSchemeBenchmarkAdditional BenchmarkSince Inception6.74%6.79%6.11%10 years6.08%6.50%6.45%7 years5.27%5.69%5.77%5 years4.89%5.26%5.68%3 years4.69%4.95%4.63%1 year6.78%6.99%7.01%Note: Returns are in % and are of Direct Plan – Growth Option as of 31st October 2023.Source: quantumamc.com Invest in Fund Fund Manager Mr.Pankaj Pathak is the Fund Manager of this fund. He has been managing this fund since 1st March 2017. He has 12 years of experience in this field. Who Should Invest in Quantum Liquid Fund? Quantum Liquid Fund is suitable for a variety of investors including: · Investors who have short-term investment horizons or are not willing to take many risks in their fixed-income allocation. · Investors who want to park a large sum of money temporarily, say from a bonus, property sale, inheritance, etc., until they decide how to invest that corpus. · Investors who want to stagger their investment in equity schemes through SIPs can park in liquid funds and opt for a systematic transfer plan (STP) · Investors who want to keep contingency funds or emergency corpus in relatively low-risk debt schemes. Why Invest in this Fund? · The fund follows a disciplined research and investment process. · It does not invest in real estate or securitized paper. · It only invests in instruments with less than 91 days of maturity, which makes it less volatile. · The assets of this fund are valued by the process of mark-to-market (MTM) valuation policy rather than amortization. · It has one of the lowest expense ratios in its category. Time Horizon · This fund is suited for investors looking to park funds for a short term of up to 91 days. Conclusion The Quantum Liquid Fund is an open-ended fund that allows investors to invest at a relatively low interest rate risk and relatively low credit risk. The fund is suitable for investors who wish to park their funds for a short-term time horizon to get a better return than what is usually offered on saving deposits. DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only.
Bursting Myths Associated with SIP Investments!

Bursting Myths Associated with SIP Investments!

What is SIP? Before we get into SIP investment myths in India, let's look at what is SIP.? SIP (Systematic Investment Plan) is a disciplined way of investing. In this, the investor makes periodical payments to create a corpus at the end of the investment horizon. SIP mode is one of the effective ways for retail investors to generate wealth over a long period. SIP has become a prevalent mode of investment as you can start as low as Rs.100 depending on the fund. Some advantages of investing via SIP They offer your portfolio the power of compounding. In this, the returns you earn with your existing sip investments get reinvested, and you generate returns on that too. SIPs have a low initial cost; you do not have to start with high amounts and are the best option for retail investors. It offers you the advantage of rupee cost averaging. It is a concept where you acquire more units of the investment when the fund's NAV – Net Asset Value is low. It creates a disciplined way of investing in every investor. This helps the individual to achieve their investment goals and objectives. Start Investing Busting the common SIP investments myths 1. SIP is an investment instrument The common misconception that people have when they start their investment journey is that SIP in itself is an investment product. The common question is, how much will the SIP generate? But one thing to remember is that SIP is not an investment instrument. It is an investment mode through which you can invest in mutual funds. 2. Only small investors should take the SIP route SIP is the best way for a retail investor to start with smaller amounts, but it is not confined to just too small investors. Even investors with higher periodical investments can use SIP to generate wealth. For example, an investor can invest through SIP mode with Rs. 500 or even Rs. 20000 depending on their savings. 3. SIP amount or tenure cannot be modified Investments are meant to be flexible to help smooth an individual's investment journey. People often assume that the SIP tenure and amount cannot be changed, which adds pressure on the investor. This is not the case. SIP tenure and amount can be modified with some conditions involved. In the case of equity funds, there is an exit load if the fund is exited before the one-year tenure is complete. Moreover, ELSS or tax saving schemes have a lock-in of 3 years. But other than this, SIP investments are very flexible to fit the investor’s requirements. Additional read: Is SIP a good way to save for your child’s college? 4. SIP is only for Equity funds SIP investments are recommended more in equity funds as such funds are more exposed to market volatility. However, investing in debt-based mutual funds via SIP mode is equally beneficial. They almost replicate the way recurring deposits (RDs) work but with the potential of better returns. Moreover, you have a variety of debt funds to choose from while making your investment. Understanding SIP investment Read More 5. SIP investments should not be made when the market is booming During a bull run, when the markets are continuously rising, people always think it is not the right time to invest. But this is not correct in the case of SIP investments. When you invest in a SIP mode, the number of units purchased will be less due to the high Net Asset Value (NAV), but SIP is a long-term process. The markets will change and not stay the same due to fluctuations and volatility. When the market falls, SIP investment acquires more units at a discounted NAV, averaging out the overall NAV of the Mutual fund holding in the portfolio. 6. SIP means guaranteed returns SIP investments help you invest in any fund at periodic intervals. They're considered a safer option as you don't have to time the market as in the case of lumpsum investments. But still, Mutual funds are also subjected to market risks and volatility. In the short term, SIPs do not generate guaranteed returns. Instead, SIP helps an investor with long-term capital appreciation. Therefore, every investor should be prepared for market volatility and have a risk appetite before investing. If you are looking to invest in a Mutual fund through the SIP route, be prepared to be invested for a long time with a wealth creation perspective. 7. SIP is a Product SIP is not a product. It is an investment tool. As an investor, you can use it to invest via SIP in stocks, mutual funds, index funds, and even in recurring deposits or PPF. SIP is an excellent investment tool that helps one become a disciplined and consistent investor for the long haul. FAQs Is it worth investing in SIP? Yes, investing in SIP is worth it. SIP (Systematic Investment Plan) is a disciplined way of investing. The investor makes periodical payments to create a corpus at the end of the investment horizon. Is there any chance of loss in SIP? Yes, there can be losses in SIP. SIP is a means of investing in mutual funds, stocks and other investment products. These products are subject to market risk and can fall & rise as a result of market changes. Is investing in SIP profitable? Yes, SIP is profitable. It allows you to invest small sums of money for a long duration and grow it into a sizable corpus. Does SIP have market risk? Yes, SIP does carry market risk especially if you are investing in mutual funds. This is because the latter is subject to market risks. SIPs guarantee profits. Is that true? No, SIPs don't guarantee profits. They're subject to market fluctuations; returns depend on the performance of the underlying investments. SIPs are only for the wealthy. Can anyone invest in SIPs? SIPs are affordable, allowing people with modest incomes to start investing and benefit from compounding over time. SIPs are only for stocks. Can I use SIPs for other assets? Yes, SIPs can be used for various assets like mutual funds, gold, bonds, and more, not just stocks. How to start a SIP? You can start a SIP on the EduFund App to save for your kid's college, school fees, education expenses like uniform, laptop and much more. All you need is a bank account, PAN card and your adhar card to get started. Download the App today and start investing in over 5000 funds from all the top mutual fund companies in India.
Quantum Dynamic Bond Fund

Quantum Dynamic Bond Fund

Incorporated during the Global Financial Crisis, Quantum Mutual Fund has been in existence for approximately two decades now. The AMC offers a variety of mutual fund schemes, including equity funds, debt funds, and hybrid funds. Quantum Mutual Fund is known for its focus on active management and its commitment to providing investors with high-quality investment products. Quantum Dynamic Bond Fund Investment Objective The primary investment objective of the scheme is to generate long-term capital appreciation through active interest rate management of a portfolio consisting of short-term, and long-term debt and money market instruments. Investing in a dynamic bond fund can help manage interest risk as it rebalances the debt portfolio in line with the changing interest rates.  Investment Options The scheme provides various investment options like Growth Option, Monthly Payout of Income Distribution Cum Capital Withdrawal (IDCW) Option and Monthly Reinvestment of Income Distribution Cum Capital Withdrawal (IDCW) Option Portfolio Composition The portfolio consists of 98.23% allocation in debt and the remaining 1.77% is allocated in Cash and Cash Equivalent. Note: Data as of 31st August 2023. Source: quantumamc.com & Value Research Top 5 Holdings for Quantum Dynamic Bond Fund NameWeightage %9.09% IRFC NCD (MD 31/03/2026)5.787.58% NABARD Sr 23H NCD (MD 31/07/2026)5.557.26% GOI (MD 06/02/2033)39.167.38% GOI (MD 20/06/2027)33.594.04% GOI FRB (MD 04/10/2028)11.08Note: Data as of 31st August 2023.Source: quantumamc.com Performance for Quantum Dynamic Bond Fund The fund has performed as below table with respect to benchmarks.   CRISIL 10-Year Gilt IndexCRISIL 10 Year Gilt IndexPeriodScheme (₹)BenchmarkAdditional BenchmarkSince Inception7.69%  7.53%  6.16%  5 years7.34%7.99%6.65%3 years5.15%4.80%3.27%CRISIL Dynamic Bond Fund AI Index7.85%7.62%8.09%Note: Returns in % as of 30th September 2023.Source: quantumamc.com Fund Manager This fund is managed by Mr. Pankaj Pathak, who has 12 years of experience in the research and investment functions. He has been managing this fund since 1st March 2017.   Who Should Invest in Quantum Dynamic Bond Fund? The fund is suitable for investors who are seeking. Regular income over short to medium term and capital appreciation. Investments in Debt / Money Market Instruments / Government Securities. Why Invest in this Fund? The fund focuses on the principles of Safety, Liquidity, and Returns. It minimizes credit risk by investing primarily in Government securities or PSU bonds which are rated as AAA/AA. It also helps in controlling interest rate risk by active interest rate management. The fund also offers a solution for investors' long-term debt investment needs. Time Horizon The ideal holding period for the dynamic bond fund should be more than 3 years. Dynamic Bond funds or any other debt fund which invests in long-term debt instruments, are highly sensitive to interest rate movements. Thus, in a short period of time, returns could be highly volatile and can even be negative. However, over a longer time frame of 2-3 years period, returns tend to normalize along with the interest rate cycles. Conclusion The Quantum Dynamic Bond Fund is an open-ended Dynamic Debt Scheme Investing Across Duration. A relatively high-interest rate risk and relatively low credit risk. If an investor has an investment horizon of 3 years or longer, and they want to avoid the hassle of tracking the interest rate movement and worry about the credit quality, they may consider adding or switching to a debt fund like the Quantum Dynamic Bond Fund. DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only.
Quantum Gold Savings Fund

Quantum Gold Savings Fund

Incorporated during the Global Financial Crisis, Quantum Mutual Fund has been in existence for approximately two decades now. The AMC offers a variety of mutual fund schemes, including equity funds, debt funds, and hybrid funds. Quantum Mutual Fund is known for its focus on active management and its commitment to providing investors with high-quality investment products. Quantum Nifty 50 ETF Investment Objective The primary objective of this fund is to provide capital appreciation by predominantly investing in units of Quantum Gold Fund Replicating/Tracking Gold and Exchange Traded Fund. The performance of the Scheme may differ from that of Quantum Gold Fund and the domestic prices of gold due to expenses and certain other factors. There can be no assurance or guarantee that the investment objective of the Scheme will be achieved. Investment Options The Quantum Gold Savings Fund (QGSF) invests in units of Quantum Gold Fund – an Exchange Traded Fund (QGF), which in turn invests in physical gold. Thus, enabling investors to invest in a Gold ETF using the SIP mode and without a demat account. Portfolio Composition The portfolio is biased towards commodities as the name itself indicates the same Note: Data as of 31st August 2023. Source: quantumamc.com & Value Research Holding of Quantum Gold Savings Fund NameWeightage %Quantum Gold Fund -Exchange Traded Fund (ETF)100.00Data as of 31st August 2023.Source: quantumamc.com Performance for Quantum Gold Savings Fund The fund has performed as below table with respect to benchmarks   Domestic price of GoldPeriodScheme (₹)BenchmarkSince Inception6.85%  8.07%  10 years5.55%6.69%5 years12.55%13.57%3 years3.63%4.52%1 year14.09%15.86%Quantum Gold Saving Fund Performance as of September 30, 2023Source: quantumamc.com Fund Manager This fund is managed by Mr. Chirag Mehta, who has 19 years of experience in the research and investment functions in the field of commodities and alternative investment strategies. He has been managing this fund since May 19, 2011.   Who Should Invest in Quantum Gold Savings Fund? The fund is suitable for investors who are seeking. Long-term capital appreciation. Investments in units of Quantum Gold Fund – Exchange Traded Fund whose underlying investments are in physical gold. Why Invest in this Fund? It helps in diversifying money in gold, an important tool for diversification. The fund enables investments in gold through an SIP or STP of as little as Rs 500/month. An investor does not need to open a demat account when they are investing with Gold ETFs. The fund takes care of all risks of storage and safety for a minimal expense ratio. The fund ensures that the quality of gold in which investors are investing is up to the mark. Time Horizon One should look at investing for at least five years or even more.  Investment through a Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion The Quantum Gold Savings Fund is an open-ended fund of funds scheme investing in the Quantum Gold Fund. This fund aims to provide investors with a convenient and cost-effective way to invest in gold, without the need to hold physical gold. Investors can buy and sell units of the fund at the net asset value (NAV) of the fund. Investors who want to build their gold allocation with QGSF can consider this fund. DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only.
What are the types of investment available in India?

What are the types of investment available in India?

Allocating funds to assets to improve your future is known as investing. Investments are undertaken to produce returns, which increase the initial amount invested. Top 7 types of investment options available in India There are many different investment options available to you. However, you must be sure that you are only investing in options that match your risk tolerance and fulfill your needs. 1. Direct Equity The most successful investment vehicle is probably direct equity, sometimes known as stock investing. Purchasing stock in a firm entitles you to a part of that business. The expansion and improvement of the business are directly financed by you. To profit from your investment, you must have enough time and market understanding. Stocks are made available by publicly traded firms through recognized stock exchanges. The best investments for the long run are stocks. Due to the impact of various economic and commercial factors on equities, you must actively manage your investments. Additionally, you must be aware that the returns are not ensured and be prepared to accept the risks involved. Benefits and Types of Equity Mutual Funds Read More 2. Mutual Funds The last few decades have seen the development of mutual funds. A mutual fund pools investments from different institutional and individual participants who share the same investment goal. A financial expert known as the fund manager oversees the pooled funds and makes investments in securities and other assets to maximize returns for investors. Equity, debt, and hybrid funds are the three main categories of mutual funds. Debt mutual funds invest in bonds and papers, whereas equity mutual funds invest in stocks and instruments relating to the stock market. Equities and debt instruments are both invested in by hybrid funds. Mutual funds are adjustable investment products that allow you to start and stop investing whenever you like. Since the fund manager takes care of everything, investing in mutual funds doesn't require much time or expertise. To invest in mutual funds, all you need to do is invest and the fund manager will take care of the portfolio construction. However, it is advised to only invest in funds whose risk profiles and goals align with your own. Returns are not guaranteed because they are based on market fluctuations. Please take note that a fund's previous performance does not guarantee future results. Start Investing in Mutual Funds 3. Recurring Deposits Recurring Deposit (RD) enables investors to make a fixed monthly investment and receive a fixed rate of interest. RDs are available through bank and post office branches. An RD enables investors to make small monthly investments to build capital over a predetermined time. RDs provide total capital protection in addition to returns that are ensured. 4. Fixed Deposits FDs are a type of investment that banks and other financial institutions offer. You deposit a sum of money for a set period and receive a fixed rate of interest. Fixed deposits, as opposed to mutual funds and stocks, provide total capital protection and guaranteed returns. However, since the returns stay the same, you make a compromise. The interest rate on fixed deposits varies based on the state of the economy and is set by the banks per the RBI's policy review decisions. Although fixed deposits are traditionally locked-in investments, investors are frequently permitted to use them as collateral for loans or overdraft facilities. There is also a fixed deposit with tax benefits that has a 5-year lock-in. 5. Employee Provident Fund One of the retirement-focused investment vehicles is the EPF, which enables salaried people to benefit from a tax credit under Section 80C of the Income Tax Act of 1961. EPF deductions are normally made as a percentage of an employee's monthly pay, and the employer also contributes an equal amount. The EPF withdrawal corpus is completely tax-free once it matures. Each quarter, the Indian government also sets the EPF rates and offers a guarantee on your EPF deposits. You should be aware that your EPF account matures only after you reach retirement and that you may only access your assets in the EPF if you meet certain requirements. 6. Public Provident Fund PPF is a 15-year lock-in investment vehicle that offers long-term tax savings. The Indian government is the one who is offering it, and the government guarantees back your money. The Indian government reviews the PPF interest rate every three months. After 15 years, the investor can withdraw the full corpus completely tax-free. PPF permits partial withdrawals and loans as well, provided a few requirements are satisfied. If certain requirements are met, premature withdrawals are allowed, and when your investment reaches maturity, you can prolong it for an additional 5 years. 7. National Pension System A relatively recent investment option for reducing taxes is the National Pension System (NPS). Investors who subscribe to the NPS plan must remain locked in until retirement and can expect larger returns than those from PPF or EPF. This is so because the NPS provides plan options that also invest in stocks. A portion of the NPS maturity corpus, which is not tax-free, must be used to buy an annuity that will provide the investor with a regular pension. Only 40% of the total accumulated corpus may be withdrawn as a lump sum; the remainder is invested in an annuity plan. There are some government personnel who must subscribe to NPS. FAQs What are the 3 main types of investments? Stocks, bonds, and real estate are the three basic types of investments. Stocks represent ownership in a company, bonds are debt securities, and real estate involves owning property for potential income or capital appreciation. What are the six types of investments? The six types of investments encompass stocks, bonds, real estate, mutual funds, commodities (e.g., gold or oil), and alternative investments (e.g., hedge funds or cryptocurrencies). Each type offers varying levels of risk and potential returns, catering to different investment goals and preferences. What is investment and its types? Investment refers to the allocation of capital with the expectation of generating a return or profit over time. Types of investments include financial assets like stocks and bonds, tangible assets like real estate, and alternative investments like commodities or cryptocurrencies. Conclusion You should carefully select investments after conducting a thorough study. Avoid falling into schemes that promise big profits quickly, and always periodically evaluate your mutual fund and stock investments. Take into account the tax consequences of the investment returns you receive. Maintain simplicity and stay away from complex assets that you are unfamiliar with. If you have any questions or need any advice, our team of expert financial advisors is always available to you.
Quantum Nifty 50 ETF Fund of Fund

Quantum Nifty 50 ETF Fund of Fund

Incorporated in the midst of the Global Financial Crisis, Quantum Mutual Fund has been in existence for approximately two decades now. The AMC offers a variety of mutual fund schemes, including equity funds, debt funds, and hybrid funds. Quantum Mutual Fund is known for its focus on active management and its commitment to providing investors with high-quality investment products. Quantum Nifty 50 ETF Fund of Fund  Investment Objective The primary investment objective of the Scheme is to provide capital appreciation by investing in units of Quantum Nifty 50 ETF - Replicating / Tracking Nifty 50 Index.  Quantum Nifty 50 ETF Fund of Fund - Direct Plan is mandated to always invest at least 80 percent of its assets in large-cap stocks. Being a fund of funds, it invests its assets in a set of mutual fund schemes instead of the underlying securities directly.  Portfolio Composition  The portfolio is biased towards large-cap stocks, with 99.65% of the funds allocated to large-cap stocks and the remaining 0.35% to mid-cap stocks. Significant sectoral exposure is to Financials, which accounts for more than one-third of the portfolio. The top five sectors hold more than 75% of the portfolio. Note: Data as of 31st August 2023.Source: quantumamc.com and Value Research Top Holdings for Quantum Nifty 50 ETF Fund of Fund Name Weightage % Quantum Nifty 50 ETF 99.97 Tri-party repo (TREP’s) 0.03 Others 0.00 Note: Data as of 31st August 2023. Source: quantumamc.com  Performance for Quantum Nifty 50 ETF Fund of Fund Particulars Since Inception 1 Year Scheme (₹) 10.95 9.46 Nifty 50-TRI (Benchmark) 11.23 10.98 S&P BSE Sensex TRI (Additional Benchmark) 11.91 11.74 Note: Returns in % as of 31st August 2023. Source: quantumamc.com Fund Manager  The scheme is managed by Mr. Hitendra Parekh who has work experience of 29.5 years. He has been managing this fund since August 5th,2022.  Who should invest in Quantum Nifty 50 ETF Fund of Fund?  The fund is suitable for investors who are seeking.   Long-term capital appreciation.  An investment opportunity that invests primarily in units of Quantum Nifty 50 ETF – Exchange Traded Fund.  Why invest in this Fund?  The fund is a first-of-its-kind Nifty 50 ETF wrapper fund.  It can identify low-tracking errors of underlying funds.  No Demat account is required.  The fund offers investors an opportunity to diversify their portfolio across top Nifty 50 in different sectors.  It gives the opportunity to start an investment with as low as ₹500.  Time Horizon  One should look at investing for at least five years or even more.  Investment through a Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion The Quantum Nifty 50 ETF Fund of Fund is an open-ended fund that allows investors to invest in units of Quantum Nifty 50 ETF. It’s been just a year since this fund was launched. Thus, it will be important to monitor how the fund performs in the upcoming future. DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only. 
How to send your child to New Zealand debt-free?

How to send your child to New Zealand debt-free?

New Zealand is a popular educational destination for studying a host of subjects from Business and Management to Tourism. As per NZ immigration info, there are over 1 lakh international students studying in New Zealand. Yet, sending your child to a foreign country is not cheap. Here are some tips on how to send your child to New Zealand debt-free. Why choose New Zealand for your child’s higher education?  Top 8 universities rank in World University Ranking Top 500 Affordable cost of studying as compared to the US, Canada, and the UK It hosts a plethora of opportunities for experimental and theoretical learning Around 97% of students get placed right after the degree completion; Students on scholarships may work 20 hours as a part-time Reasons to Study in New Zealand for Child Education Read More How to send your child to New Zealand? 1. Check education eligibility criteria  New Zealand requires Indian students to have the following requirements to study at their top universities:  Relevant 12th certificate / undergraduate degree from a recognized school/ university IELTS/ TOEFL score qualifications Statement of Purpose GRE OR GMAT scores Valid passport Bank statement as proof of financial coverage 2. Apply for Student Visa  International students wishing to study in New Zealand for more than 3 months must hold a relevant VISA. Indian students can opt for Fee Paying Student VISA. Having this VISA, an international Indian Student can learn, stay, and work part-time in the country for up to 4 years. On the flip side, students planning to land with guardians can opt for a generic Student VISA. Students must apply for the VISA 6 months earlier. Student Visa Qualification Requirements Valid passport, which must be valid for at least 6 months Age - 17-25 Student Visa Application Form and Fees ( ₹14,791) Proof of funds to cover your expenses, study, and accommodation costs Acceptance letter from the University, your child enrolled to confirm the eligibility for the particular course  Evidence of guarantor and their relationship to the child Evidence of tuition fee Duly signed and attested certificates for Health and Character IELTS Score Requirement - 6.0 Top Affordable Universities in NewZealand Read More 3. Explore the government-funded scholarships  The primary criterion to qualify for a New Zealand scholarship is MERIT. However, the cost of education depends on the location, course, university, and educational level. Some universities in New Zealand consider extra-curricular activities and volunteering experience as the base for providing scholarships. Always check the eligibility criteria before applying for New Zealand Government Scholarships. Some scholarships waive 100% of the tuition fee while others may waive a part.  Apply for Scholarship with EduFund Government Funded Scholarships:  NZIDRS (New Zealand International Doctoral Research Scholarship) for Ph.D. courses. (₹12,48,178.25) for a living stipend New Zealand Development Scholarships  New Zealand Commonwealth Scholarships for master’s degrees and PhDs (₹1,49,827.16 as Allowance) NZIUFS (New Zealand International Undergraduate Fees Scholarship).  Agatha Harrison Memorial Fellowship i) University-funded scholarships for Indian students Victoria Doctoral Scholarships It is provided to all the Doctorates studying at Victoria University of Wellington ($23000 (₹11,48,827) stipend + Fees)  Bamforth Postgraduate Scholarships Post-graduate students studying at the University of Otago are eligible for the scholarship. It waives tuition fees and provides $13000 (₹6,49,172.68.) University of Waikato International Scholarships The scholarship is for all Undergraduates and Postgraduate Indian Students. It waives off $5000 (₹2,49,704.09) tuition fees. University of Auckland Doctoral Scholarships International Students pursuing a Doctoral in the University of Auckland are eligible for it. Waives off $27,300 ((₹11,48,827) plus other compulsory costs. ii) Studentships provided by New Zealand This funding type is usually provided for a specific project, covering the cost of tuition fees and research material. It also offers stipends to students. Check for the eligibility requirement from the respective university or educational institution. Universities of Auckland, Otago, and Waikato University provide such studentships to Ph.D. students.  These are some ways to help your child study in New Zealand Debt-free. Scholarships are the best way to send your child to a foreign country without any financial stress. If you are someone who is planning to send your child to a foreign country in a few years then investing and saving early for your child’s higher education is a must! FAQsHow can I send my child to New Zealand for education without incurring debt?  To send your child to New Zealand debt-free, consider applying for scholarships and grants, researching low-cost educational institutions, and saving money in advance. Explore part-time work opportunities for your child and create a budget to manage expenses effectively.  Are there specific scholarships available for international students in New Zealand?  Yes, New Zealand offers several scholarships for international students. These scholarships may be provided by the New Zealand government, universities, or private organizations. Research and apply for scholarships that align with your child's field of study and qualifications.  What strategies can my child use to cover living expenses while studying in New Zealand?  Your child can cover living expenses by working part-time during their studies, choosing affordable accommodation options, and creating a realistic budget. Encourage them to explore on-campus employment opportunities and manage their finances responsibly.  How can I start saving early to fund my child's education in New Zealand?  Begin saving for your child's education in New Zealand by setting up a dedicated savings account or investment plan as soon as possible. Consider options like mutual funds, US ETFs or any investment vehicle that can beat education inflation. Regularly contribute to this fund and take advantage of compound interest to grow your savings over time.  TALK TO AN EXPERT
How to protect portfolio fund in falling market?

How to protect portfolio fund in falling market?

Market volatility is a hard fact and investors must be aware of ways to protect portfolio funds in a falling market. It is possible to limit loss, lock in profits and provide stability to your investments in adverse conditions with help of viable strategies.  Stock gains are steady over time but declines are often unexpected, freefall, and sudden.  Investors must ensure that their portfolio is well-positioned at all times so that it does not hamper overall growth. Making the right investment decisions is as important as protecting the portfolio fund during turbulent market conditions. 8 ways to protect portfolio fund in falling market An economic meltdown is a fact of the investment market that can wipe out hard-earned returns, savings, and retirement funds in hours. Investors must take appropriate steps early on to safeguard their portfolio fund in a falling market, market crash, or an economic depression through preplanned steps.  Some important ways to protect portfolio fund in a falling market are discussed below- 1. Diversification of portfolio funds Diversification of portfolio funds and spreading your money across different investment categories is one of the surest measures for shielding the portfolio fund in a bear market. Investors often invest in mutual funds, exchange-traded funds, and individual stocks expecting good returns. They must have a proper plan in place to move a good chunk of the investment into safer options at short notices Sometimes, the market fall is sudden and it does not give the investor enough chance to move high-risk funds to safe horizons. Individuals should invest in a wide range of investment schemes with different levels of risk. These include stocks, real estate, precious metals, cash value life insurance, bonds, derivatives, annuities, alternative holdings, cash, etc. Additional read: Questions cosigners should ask before taking an education loan 2. Fine-tune the portfolio funds Reassess the asset allocation to determine whether the current portfolio matches your specific risk tolerance. Do not take on more risks than your capacity as it might trigger panic selling during adverse conditions and result in heavy losses. Investors should always be prepared to face a bear market hence they must fine-tune their funds to create a portfolio mix that will match both financial needs and risk tolerance. 3. Take the help of financial advisors Financial advisors often have a better understanding of the market trends than investors. They go through the available data and related information to make better predictions of both good and bad times in the market.  Use the financial consultants at the EduFund App as an effective tool for knowing about the market and for an ideal fund allocation. The app will help to meet your risk appetite by minimizing the risk profile eloquently. 4. Do not liquidate all the stocks In a falling market, it is easy to panic and liquidate all the stocks. It is a wrong move as doing so will lock the losses and prevent earnings when the market recovers. Maintain a portion of the funds in the stocks even in a falling market to take advantage of the subsequent recovery whenever it occurs.  5. Rebalance and reinvest Stock market returns vary on a yearly basis but in the long term, it tends to offer positive returns. Investors whose risk tolerance is high or who have a long period before retirement have the option of investing heavily in stocks but people close to retirement must consider gradual transferring of funds to short-term or cash bonds with less risk.  Consider risk-based rebalancing through the EduFund App to minimize losses and by reinvesting in mutual funds, REITs ETFs, etc.  6. Consider defensive picks Consider market volatility as an opportunity to buy REITs with stable dividends and strong cash flows. One viable option is the EduFund REIT+ portfolio that includes quality REITs 7. Sell call options Financial advisors recommend selling call options to protect portfolio funds and soften the blow of a falling market.  8. Stay the course Investors must realize that the bull market will always follow the bear market. The falling market is a concern no doubt but the slump will pass. This is not the time for panic selling instead stay the course and stick to your investment plan.  Consider speaking to the wealth advisors on our platform to create a recession-proof strategy that will make your investment portfolio resilient to the upcoming falling market. FAQsHow do I protect my portfolio from a market downturn?   To safeguard your portfolio during a market downturn:  Diversify your investments across different asset classes.  Consider holding defensive stocks, like utilities and consumer staples.  Keep a long-term view and abstain from rash choices.  Utilise stop-loss orders or put options for downside protection.  Investing and your emergency fund should not be combined.  How do you prepare a portfolio for a market crash?   Prepare for a market crash by:  Reducing exposure to high-risk assets before a crash.  Increasing allocation to safer investments, such as bonds or cash.  Ensuring your portfolio is well-diversified.  Continuously monitoring and rebalancing your portfolio.  Having a well-thought-out exit strategy and sticking to it.  What is the safest fund during a market crash?  The safest fund during a market crash is typically a money market fund or a short-term bond fund. These investments are known for stability and liquidity, making them less susceptible to significant value declines during turbulent market periods.  What to do with a falling portfolio?   When your portfolio is falling:  Avoid panic selling; stick to your long-term investment plan.  Reassess your portfolio's asset allocation and risk tolerance.  Consider buying more assets at lower prices (dollar-cost averaging).  Take a look at your investment plan and make any required adjustments.  Seek advice from a financial advisor if you're uncertain about your next steps.  Conclusion Ups and downs are an integral part of markets that investors must be prepared for at all costs. Seasoned investors try to keep strengthening their portfolio fund to make it more robust for an upcoming recession.  In this article, you have come to know about the various ways to protect portfolio funds in a falling market. These are tried and tested strategies that provide ample protection against market volatility so that investors can preserve and protect their investments. Consult an expert advisor to get the right plan TALK TO AN EXPERT
Quantum Tax Savings Fund

Quantum Tax Savings Fund

Incorporated amid the Global Financial Crisis, Quant Mutual Fund has been in existence for approximately two decades now. The AMC offers a variety of mutual fund schemes, including equity funds, debt funds, and hybrid funds. Quantum Mutual Fund is known for its focus on active management and commitment to providing investors with high-quality investment products. Quantum Tax Saving Fund  Investment Objective The primary investment objective of the scheme is to achieve long-term capital appreciation by investing primarily in shares of companies that will typically be included in the S&P BSE 200 Index and are in a position to benefit from the anticipated growth and development of the Indian economy and its markets.   Investment Strategy  The fund follows the bottom-up approach while selecting stocks for investment with an objective to minimize the risk.  The fund holds cash when it does not find any opportunity to invest and does not enter into derivatives.  Portfolio Composition  The portfolio is biased towards large-cap stocks, with 87.04% of the funds allocated to large-cap stocks and the remaining 12.96% to mid-cap stocks. Note: Data as of 31st August 2023. Source: quantumamc.com & Value Research Top 5 Holdings for Quantum Tax Saving Fund Name Weightage % HDFC Bank Limited 9.14 ICICI Bank Limited 6.59 Infosys Limited 5.12 Eicher Motors Limited 4.37 State Bank of India Limited 4.31 Note: Data as of 31st August 2023. Source: quantumamc.com  Performance for Quantum Tax Saving Fund Your investment of ₹10,000 in this would have performed as below table with respect to benchmarks. Period Scheme (₹) Tier 1 Benchmark Tier 2 Benchmark Additional Benchmark Since Inception 16.17%  16.26%  16.09%  15.37%  10 years 14.70% 16.42% 16.06% 14.75% 5 years 10.28% 12.55% 12.28% 12.25% 3 years 22.70% 23.31% 22.23% 20.30% 1 year  13.86% 11.31% 11.25% 11.74% Note: 1. Returns in % as of 31st August 2023. 2. Tier 1 Benchmark - S&P BSE 500 TRI, Tier 2 Benchmark - S&P BSE 200 TRI, Additional Benchmark – BSE Sensex Source: quantumamc.com  Fund Manager  The scheme is co-managed by Mr George Thomas & Mr Christy Mathai.  Mr. George Thomas has more than six years of experience and has been managing this fund since 1st April 2022.  Mr Christy Mathai has approximately seven years of experience and has been managing this fund effective from November 2022.  Who should invest in Quantum Tax Saving Fund?  The fund is suitable for investors who are seeking.   Long-term capital appreciation.  Invests primarily in equity and equity-related securities of companies in the S&P BSE 200 index and to save tax u/s 80 C of the Income Tax Act.   Why invest in this Fund?  Optimize tax saving under section 80C.  Uses a bottoms-up stock selection process to minimize risk.  It has a low portfolio turnover.  It holds cash when stocks are overvalued – no derivatives and no hedging.  It follows a disciplined research and investment process.  It has one of the lowest expense ratios in its category.  Time Horizon Investments in this product are subject to a lock-in period of 3 years. Conclusion The Quantum Tax Saving Fund is an open-ended equity-linked saving with a statutory lock-in of 3 years and tax benefits on investments up to ₹1.5 lakh in a financial year. Although the fund has underperformed in the long run, it has shown outperformance in the last year. Investors who wish to take the benefit of Sec 80C of the Income Tax Act can claim a deduction of up to ₹. 1.5 Lakhs can be considered this fund with an understanding of high risk for a long-term time horizon. DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only.
whatsapp