Category Archives: Mutual Fund

Know all about UTI Floater Fund and the UTI Asset Management Company. UTI is one of the pioneers of the Indian Mutual Fund Industry. With an AUM of more than Rs 2.66 Lakh crore, the AMC is among the most trusted names in the mutual fund space. The UTI Mutual Fund offers products across asset classes.   Let us discuss the flagship product – UTI Floater Fund.  About UTI Floater Fund  Investment Objective – The investment objective of the scheme is to generate reasonable returns and reduce interest rate risk by investing in a portfolio comprising predominantly of floating rate instruments and fixed rate instruments swapped for floating rate returns.  Investment Process The scheme uses a systematic approach to debt investing, the “GIMS”, which is as follows:  Gate:  Encompasses issuer onboarding through rigorous analysis and research process  Aims to build the investment universe in line with investment policies  Investments:  Comprehensive fund strategy framework  Incorporates Fund Strategy and Style, Risk management Framework and Potential Risk Class Matrix  Risk Limits are central to strategy  Monitoring & Surveillance:  Monitoring and review of the investment universe, Market Data Analytics, Early Warning Signal (EWS) parameters, Use of external sources for added surveillance, Automation for increased efficiency  Portfolio Composition  The portfolio comprises 93.03% allocation in debt, and the remaining 6.69% is held in cash and cash equivalents.      Note: Data as of 30th November, 2023.  Source: Value Research  Top 5 Holdings for UTI Floater Fund   Name Instrument Weightage % National Housing Bank Debenture 7.79 Debenture 8.80 Canara Bank CD Certificate of Deposit 8.65 Reserve Bank of India T-Bills 182-D 29/02/2024 Treasury Bills 6.92 Small Industries Devp. Bank of India Ltd CP Commercial Paper 6.87 Kotak Mahindra Bank Ltd CD Certificate of Deposit 6.62  Note: Data as of 30th November, 2023.  Source: Value Research  Performance Since Inception  Period UTI Floater Fund CRISIL Low Duration Debt Index (%) CRISIL 10 Years Gilt Index (%) 1 Year 6.70 7.50 6.77 3 Years  4.45 5.43 2.93 5 Years 5.85 6.57 5.96 Since Inception 5.87 6.65 6.30  Note: Data as of 30th November,2023  Source: utimf.com  Fund Manager  Mr.Sudhir Agarwal is the Fund Manager and Executive Vice President & Fund Manager-Fixed Income at UTI AMC Ltd. He joined UTI AMC in 2009 after four years of experience. He is a CFA Charter holder from CFA Institute, USA, and holds a post-graduate Diploma in Management and a master’s in commerce. He is a Fund Manager managing various debt schemes.  Why Invest in UTI Floater Fund?  The scheme aims to generate accrual income by investing in high-quality debt and money market instruments, which are hedged using OIS swaps.  The scheme is positioned to capture yield movement in the 6 to 12-month segment.  The scheme maintains a moderate duration to reduce interest rate volatility.  Who Should Invest in UTI Floater Fund?  This fund is suitable for Investors  Who are seeking for reasonable income and liquidity over the near to short term.  Who are looking to diversify their fixed-income portfolio.  Ideal Time to Stay Invested   Ideal for investment with a time horizon of 6 to 12 months.  Conclusion  UTI Floater fund is an open-ended debt scheme predominantly investing in floating rate instruments. The portfolio of this fund is High-Quality accrual oriented and is positioned to capture yield movement in the short term. Thus, investors who want to park their money for a short period with low to moderate risk metrics can consider this fund for investment.  Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only.  Create a goal for your child's future

Ever wondered why advisors recommend early investing? Why it is more beneficial to start investing at 25 vs 35 years? Let's find out the benefits of early investing and why you should start today! Ah, the investing world. It's a world where market crashes call out your name and compound interest whispers sweet nothings, a place of late-night fears and possible fortunes. But there's no one-size-fits-all approach to navigating this world.  In general, investment is about more than just making money; it's also about safeguarding your future, accomplishing your objectives, and building financial security. Your quality of life and peace of mind may be greatly enhanced by it, even though there is some danger and continuing education is needed. Investing is essential for many reasons, impacting your financial future and overall well-being. There’s no age bar for investing at what age you should start investing, but the earlier you start, the better return you will get. Let’s understand investing with two different ages just to get a clear idea.  Your decisions at 25 will (and should) look vastly different from those at 35. So, let's grab a metaphorical cup of coffee and dive into the exciting differences between investing at 25 and 35.  Risk Tolerance:   At 25, You have less of a financial cushion, but you're flexible and young. So you have more time on hand, and hence, you have a bigger risk appetite. It's affordable for you to try new things, make errors, and grow from them skillfully.  But by the time you're 35, obligations start to pile up like driftwood down the riverside. The presence of children, mortgages, or elderly parents influences your risk tolerance. You're creating a nest egg for others who rely on you. This necessitates taking a more cautious approach and putting your capital protection first while aiming for respectable returns.  Investment Goals:  Your aspirations at 25 are as diverse as a kaleidoscope. Perhaps your savings are going toward that new gadget, a dream vacation, or a down payment on your first house. It is advisable to be flexible here to modify your investment plan as your goals change.  The goalposts change at 35. Your finances should take that into account as retirement becomes a tangible goal. You must begin planning and assembling a portfolio that will last you many years after your retirement.  Time Horizon:  Consider your investment horizon as a water body. When you're 25, retiring seems like an infinite stretch of ocean before you. You can now afford to take on greater risk while keeping a part of your portfolio for long-term investments. Time is on your side, and that's most precious, isn’t it?  The water starts to flow more quickly at 35. Retirement is drawing near, and still, you have a long way to go; the situation now calls for a more sensible strategy. You need resources and knowledge that support growth in addition to stability, a stable boat that can handle both calm seas and rough rapids.  Power of compounding:  Here, let us understand the power of compounding and the benefits of early investing with a comparison of two different investors with different age groups.  Age 25 years 35 years Standard Target Age 55 years 55 years Monthly SIP Amount ₹10,000 ₹10,000 SIP period 30 years 20 years Expected Return Rate 12% 12% Invested Amount 36,00,000 24,00,000 Wealth Gained 3,16,99,000 75,91,000  Total wealth 3,52,99,000 (Approx) 99,91,000 (Approx)  This comparison shows how important it is to start investing early as the difference in the investment period is just ten years, and the difference in total wealth due to that is more than 2,50,00,000.  Over a more extended period, the corpus upon retirement increases significantly, even with a smaller monthly SIP. The analogy also highlights how crucial it is to modify your investing approach following changes in your age and level of risk tolerance.   Conclusion Overall, investment is about more than just making money; it's also about safeguarding your future, accomplishing your objectives, and building financial security. Your quality of life and peace of mind may be significantly enhanced by it, even though there is some danger, like future unpredictability.  Remember that investing is a process rather than a destination. Begin modestly - make consistent investments, and, if necessary, seek professional advice. You can create a better and more secure tomorrow by managing your money now. 

Know all about HDFC Hybrid Equity Fund and HDFC AMC in this article. 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. 5.24 Lakh crores (excluding domestic fund of funds) as of 30th September 2023.  Let us talk about the consumer product – HDFC Hybrid Equity Fund.  About HDFC Hybrid Equity Fund Investment Objective   The investment objective of the scheme is to generate capital appreciation/income from a portfolio, predominantly of equity & equity-related instruments. The scheme will also invest in debt and money market instruments.  Investment Strategy  Equity –   The fund assets are predominantly invested in equity and equity-related instruments (65%-80%) and the balance in debt instruments. Equity strategy will aim to build a portfolio of companies across market capitalization.  While selecting stocks, the fund follows a bottom-up stock-picking strategy, focusing on reasonable quality businesses, and prefers companies available at acceptable valuations.  The scheme aims always to maintain a reasonably diversified portfolio.  Debt –  Credit quality, liquidity, interest rates, and their outlook will guide investment in debt securities. Here, duration management is based on the fund manager’s view on the interest rate outlook.  Portfolio Composition  The fund holds 67.04% equity, 31.06% debt, 1.01% real estate, and 0.89% in Cash and cash equivalents. The significant sectoral exposure is to Financials, which account for 24.84% of the equity portfolio. The top five sectors hold more than 50% of the equity portfolio.     Note: Data as of 30th November. 2023.                                                                 Source: Value Research                                                                                    Top 5 Holdings for HDFC Hybrid Equity Fund  Name Sectors Weightage % HDFC Bank Financial 7.31 ICICI Bank Financial 6.44 ITC  Consumer Staples 4.69 Larsen & Turbo Construction  4.60 Reliance Energy 4.12  Note: Data as of 30th November. 2023.  Source: Value Research  Past Performance of Regular Plan as of 30th November 2023.  Fund name 1Y 3Y 5Y 10 Y Since Inception HDFC Hybrid Equity Fund (%) 10.69 18.15 14.14 16.15 15.12 Benchmark Returns (%) 7.94 12.75 12.54 12.21 11.60 Additional Benchmark Returns (%) 8.47 17.12 14.45 13.91 13.19  Benchmark Composition – Nifty 50 Hybrid Composite Debt 65:35 Index  Source: Value Research  Fund Managers for HDFC Hybrid Equity Fund  The following fund managers manage the HDFC Hybrid Equity Fund.  Mr Chirag Setalvad (Since 2nd April 2007) has been managing Equity Assets for this fund.  Mr Anupam Joshi (Since 6th October 2022) has been managing Debt Assets for this fund.  Mr Dhruv Muchhal  (Since 22nd June 2023) is an Equity Analyst and Fund Manager for Overseas Investments.  Who Should Invest in HDFC Hybrid Equity Fund?  Investors looking to generate long-term capital appreciation/income by taking exposure to both debt and equity can consider this fund.  Why Invest in this Fund?  It helps to achieve twin objectives through one fund:  Growth of Capital by investing in Equities  Stability of Capital by investing in debt  Equities have the potential to create long-term wealth and beat inflation over the long term.  The debt component makes the fund comparatively less volatile than Equity funds.  Defined asset allocation between Equity and Debt  Benefits of equity taxation   Conclusion  The HDFC Hybrid Equity Fund is an open-ended hybrid scheme that has been in existence for nearly two decades. The fund has consistently performed throughout its existence. Also, it has delivered better risk-adjusted returns depicted by lower standard deviation and higher Sharpe ratio than the category. Hence, investors who wish to allocate their funds for capital appreciation with a moderate level of risk can consider this fund.  Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only. 

About ICICI Prudential Mutual Fund (AMC) and its flagship product, ICICI Prudential Equity & Debt Fund! ICICI Prudential Mutual Fund is the second-largest asset management company in India. With over Rs 5.8 Lakh crores of AUM, the AMC is among the most trusted names in the mutual fund space. The AMC offers products across asset classes.   Let us discuss the flagship product – ICICI Prudential Equity & Debt Fund.  About ICICI Prudential Equity & Debt Fund  Investment Objective The scheme aims to generate long-term capital appreciation and current income by investing in a portfolio that invests in equities and related securities and fixed-income and money market securities.  Investment Strategy – The scheme's equity exposure would range between 65% and 80%, and debt exposure would be maintained between 20%-35%  Equity:  The scheme shall use a blend of top-down and bottom-up approaches for stock selection. The scheme shall remain sector-agnostic in its investment approach. The scheme may also take derivatives exposure for portfolio hedging or any other permitted strategy to minimize downside risk. The net equity exposure includes foreign equity and units of equity mutual fund.   Debt:   The scheme intends to tactically allocate to longer duration fixed income securities with credit rating AA and above, which offer reasonable accrual. The scheme also invests in fixed-income securities issued by the government, quasi-government agencies, and corporate and multilateral agencies.  Portfolio Composition  The equity exposure is widely in the large-cap, which comprises 86.48%, and midcap and small-caps comprise 12.28% and 1.24%, respectively.       Note: Data as of 30th November 2023   Source: Value Research  Top 5 Holdings for ICICI Prudential Equity & Debt Fund Name Sector Weightage % NTPC Ltd. Energy  7.43 ICICI Bank Financial 7.01 Bharti Airtel Ltd. Communication 6.00 Oil & Natural Gas Corporation Ltd. Energy 4.18 Maruti Suzuki India Automobile 3.92  Note: Data as of 30th November 2023.  Source: Value Research  Performance of the Fund  ICICI Prudential Equity and Debt Fund has performed consistently throughout its existence. It has outperformed both the benchmark and the category in all time horizons.  Particular 1 Year 3 Year 5 Year 7 Year 10 Year ICICI Prudential Equity & Debt Fund 24.98 26.12 19.34 17.38 18.26 Hybrid: Aggressive Hybrid 19.26 16.99 14.51 14.17 14.80  Note: Performance of direct plan; Data as on 20th December 2023.  Source: icicipruamc.com  Fund Managers for ICICI Prudential Equity & Debt Fund Equity:  Mr. Sankaran Naren has 34 years of experience in this field. He has been managing this fund since Dec.2015 and other 12 funds in total.  Mr Mittul Kalawadia has 18 years of experience and has been managing this fund since Dec. 2020, with 4 other funds in total.  Debt:  Mr. Manish Banthia has 20 years of experience and has been managing this fund since Sep.2013, with 23 other funds in total.  Mr. Nikhil Kabra has 10 years of experience and has been managing this fund since Dec.2020, with 6 other funds in total.  Ms. Sri Sharma has 7 years of experience and has been managing this fund since April 2021 and the other 7 funds in total.  Who Should Invest?  The fund is suitable for investors  who seek diversification across debt and equity to benefit from accrual income as well as long-term wealth-creation solutions.  who wish to participate in the growth story of the equity markets with a portion of their portfolio invested in fixed-income securities could consider this fund.  Ideal Time Horizon  One should look at investing for a minimum of 3 years or more.   Investment through a Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion  ICICI Prudential Equity & Debt Fund is an aggressive hybrid scheme investing in equity and equity-related instruments with a small allocation towards debt. This scheme has outperformed the benchmark and the category average over all the periods of 1/3/5/7/10 years. Also, the scheme has delivered risk-adjusted returns better than the category average with slightly higher volatility. It has generated an alpha of 12.60% vis-à-vis the category average of 3.96% over the three years. Therefore, investors who wish to have exposure to both equity and debt by going aggressively can consider this scheme.  Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only. 

New Zealand is one of the ideal educational destinations for students pursuing their MBA degree as it offers a wide range of academic choices, MBA specializations, high-quality education, affordable fee structure, and sustainable job prospects.  An MBA in New Zealand is a wise career move as the globally recognized degree can get students the desired job in any part of the world. Moreover, graduating with an MBA from New Zealand may get your child a considerably higher income than their peers in other countries. Getting an education loan for MBA in New Zealand is easier than you think! Apply wth EduFund today Overview of MBA course structure and fees in New Zealand New Zealand is home to some of the finest educational institutions in the world for MBA courses. A full-time MBA requires 180 credits over 12 - 16 months or 60 credits every semester. Students can choose an MBA degree with or without specialization.  Average tuition fees for an MBA in New Zealand are between $26,000 - $37,000 with the highest course fee of $51,396 levied by the University of Canterbury and the lowest tuition fee of $36,800 levied by Manukau Institute of Technology.  The fee structure for an Indian student is between INR 11.4 lakhs to INR 31.3 Lakhs per year, depending upon the university one chooses.  The living expenses of the students depend upon their lifestyle. How to save for an MBA in New Zealand? Although studying for an MBA in New Zealand is affordable compared to the study cost in countries like the UK and the USA, parents do need to save and invest money so that their child can get the desired degree without the burden of an education loan.  Take the following steps to save for an MBA degree - 1. Research Remember the first step of any plan is the most difficult one as it requires thorough research. Gathering information is necessary so that you can create a foolproof plan that will prove fruitful in the long run.  you can also use the College Cost Calculator on the EduFund App to find out how much you will have to pay for your child’s MBA. This will help cut your research time.  Reasons to Study in New Zealand Read More 2. Create a financial plan Create a financial plan that will give direction to your ideas and encourage you to take the necessary steps toward your goal.  How to send your child to study in New Zealand debt-free? Read More 3. Take the help of professionals If you are a new investor, it might become a tad difficult or confusing to make the right decisions. Take the help of professionals because they have the necessary tools and resources to compile the required data and make the correct choices.  The saving experts on the Edufund App are adept at creating a customized financial plan and selecting the best investment opportunities through mutual funds, US ETFs, US stocks, and Digital gold. These experts, along with the Edufund investment calculators, will act as a guiding force and be with you every step of the way.   https://www.youtube.com/watch?v=uYlrsx9_yog&t=4s Top Universities in New Zealand Read More 4. Create a diversified portfolio Do not be dependent upon only one type of scheme. Instead, create a diversified portfolio that includes managed funds, savings accounts, term deposits, mutual funds, etc. The high-accuracy fund tracker on the Edufund App can monitor over one lakh data points and 400 financial situations to make solid suggestions about the most profitable investment schemes. a) Managed funds According to available data, one of the most common reasons for setting up a managed fund is to save money for a child’s higher education. It is feasible to put some money aside in a growth-oriented managed fund as early as possible. By the time the child is of age to study for an MBA in New Zealand, the parents will have saved a good chunk of the required money.  b) Savings accounts and term deposits If you cannot deal with the volatility of the growth fund or have started late and have a considerably shorter period for saving and investing, do not worry. The safest and the best possible mode of saving is by investing in a savings account and term deposits. It is better to add to the term deposits whenever they come up for renewal so that after a few years you can have a good amount of the money for your child’s MBA degree in New Zealand. c) Mutual funds The best investment scheme in the current market is investing through mutual funds. Take the help of SIP for regular investments as the estimated returns are between 12% to 15% in large-cap equity funds and 14% to 17% in mid-cap equities. The SIP calculator on the Edufund App can prove useful in determining the available returns from the chosen funds.  Conclusion International students, especially Indian students consider an MBA in New Zealand a good move as it gives them global exposure to cash in excellent career opportunities in any business sector.  Parents who have the necessary funds through saving and investing can easily send their child abroad and fulfill their dreams of better education, as compared to the parents who have to look at other means to fund their child's education. 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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 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.

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

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.

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.

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.

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.

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.