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A Systematic Investment Plan (SIP) in Mutual Funds allows investors to invest a specified sum of money periodically, once a month, or every other quarter. Like a recurring deposit, the monthly amount can be as low as INR 500. It's practical since you can direct your bank to deduct the money monthly.  SIP has gone mainstream amongst Indian mutual fund investors because it allows them to invest in a disciplined way without dealing with economic uncertainty. Mutual Funds Systematic Investment Plans are by far the most popular way to get started in the realm of long-term investing. Starting SIP in Mutual Fund helps you stay invested for a long.   SIPs are similar to recurrent deposits in which you invest a small/fixed sum each month. In India, Mutual Fund SIP accounts totaled 5.55 crores, with a total sum generated through SIP of 12,276 crores in June 2022.  The following are the monthly amounts of SIP Contributions received from FY 2016-17 onwards: The following are the details of new SIPs registered and canceled during FY 22-23 How long should a SIP last?  Staying invested as long as possible is key to good returns. If you participate in a SIP for four years, your chance of loss is minimal. It's also important to keep in mind that short time periods have more chances of loss and outside profit. In overextended historical periods, the good and terrible times balance out.  The asset allocation of SIP investment  Asset allocation is a critical component of SIP investment. The stock market performance determines the returns earned by equity-associated mutual funds. Therefore, if the market is not providing an attractive yield, your fund will deliver modest returns. For good returns, try to dynamically distribute your assets - ideally combine long-term, mid-term, and short-term investments. You can diversify your SIP investments based on your risk tolerance and investment objectives, and not restrict your investments to just one kind of investment.   When to withdraw?  This has been the most frequently posed question among investors. The appropriate response is entirely dependent on the success of your fund. Monitor the mutual fund performance in which you have invested. If the fund has a poor performance for even less than a year, it could be subject to market swings, but if the commission has been poor for much more than eighteen months, explore different investments.  Nevertheless, this is not the only criterion to consider when evaluating a fund's performance; you need also to consider the mix of firms in which the fund has invested and their potential profitability. Another effective method is to compare the performance of your mutual fund to that of identical mutual fund schemes.  Benefits of Investing through SIP  Simple Investment: You may begin investing as little as Rs 500 per month through SIP and see it increase. A SIP is not only easy to track, but it also allows you to save more money.  Average Rupee Cost: The Rupee Cost Averaging component of SIP is unique because you buy more units when the market is low and more negligible when the demand is high. Hence you can buy more during every market downturn, lowering your investment cost and increasing your returns.  Higher returns: SIP delivers twice the returns of regular investments or recurring deposits. This might assist you in avoiding excessive prices.  Compound growth: SIPs work on the theory of getting a compound rate of return on your investments a moderate amount spent over time yields higher returns than a sizeable one-time commitment.  Flexibility: SIP allows you to avoid long-term obligations such as building a portfolio such as Public Provident Funds or Unit Linked Insurance Plans.  Why SIP is the best investment? Read More The best SIP funds  Investing with a SIP allows you to spread your investments over time and benefits from rupee cost averaging. If you opt to invest in mutual funds through a SIP, you do not have to pace the markets. As per ICICI Direct below list is suitable for investments. Top 10 equity mutual funds  As per data from Clear tax (https://cleartax.in/s/best-equity-mutual-funds) table below displays the top-performing equities mutual funds over the previous three and five years. Who should make SIP investments?  Everyone, from students to salaried workers, can start a SIP and invest in their chosen Mutual Funds with as little as Rs. 100 by using this strategy. This is ideal for those with a consistent income stream. Individuals can invest a portion of their regular income in mutual funds by initiating a SIP.  Each mutual fund is designed to attain a certain goal. Select the fund that best meets your objectives and risk tolerance brings you closer to your financial goals. As a note to the investors, before initiating a SIP into a fund, examine the needs and align them with the fund's objectives. Do a thorough analysis of the funds to make the most of your investments! FAQs Is SIP better than a mutual fund?  Ans. SIP may offer a more effective means of achieving budgetary and investment objectives. An investor who uses mutual funds has the choice of reinvested returns or earnings. Investors can benefit from the power of compounding if they reinvest in the same plan rather than withdrawing their money.  Is SIP a good investment?  Ans. One of the greatest methods for disciplined investing is the systematic investment plan (SIP), which should be followed regularly throughout time. By beginning a SIP with two or more funds, an investor can diversify their portfolio.  Can I withdraw SIP anytime?  Ans. The amount and procedure for early withdrawal from a Systematic Investment Plan (SIP) depend on the type of mutual fund, the length of the investment, and the fund house's policies. Most funds have a minimum lock-in period and violating it may incur fees.  Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

Planning your finances as a parent is the most crucial yet underrated aspect of raising children. Amidst all your parental responsibilities, becoming a parent is emotionally and financially life-changing. One fine day, you suddenly are responsible not only for yourself but also for another person. Embarking on this new adventure requires certain preparations. So, let’s figure out how to plan your finance as a young parent!  Planning Finance as Parents Financial hacks to learn on your new parenthood journey  Here are some hacks that will allow you to spend quality time with your newborn while managing your finances effectively.  #1 Get a health insurance plan for your newborn  The most important step after your child is born is to update your health insurance plan or get a new one to cover your newest member. Many health plans allow young parents to add their child within 30-60 days after the delivery to the family health plan. The insurance covers medical expenses, and hospitalization of the newborn baby and reduces the financial stress of medical bills!    #2 Create a Budget  With an infant entering your life, you will have new expenses. Diapers, baby clothes, baby food, and other childcare costs might add up quickly. Besides, you would also have post-natal and prenatal medical expenses. Some expenses, such as new toys and diapers, might be recurring, while others, like a car seat and a stroller, are a one-time investment.  One quick note: It’s best to understand the “upfront costs” that might be a temporary hit to the wallet. Differentiate it from the recurring costs because they will influence your overall budget. You may also use online budgeting apps to alleviate further stress and anxiety.  Ways to invest in 2023 Read More #3 Create an emergency fund  Sudden unemployment or hospitalization can be financially-stressful when your family is growing. That is why having an emergency fund covering between 6 and 12 months of living costs is valuable. The emergency fund offers a comfortable cushion for new parents. Such a fund is crucial when your family relies on a single source of income.   #4 Save for your kid’s education  Surveys suggest that the average tuition & fees for private institutions were more than $30,000 during 2017-2018. According to research, only 13% of parents place college savings as the top child-related financial priority. Even if your kid’s education does not sound like your immediate priority, the sooner you prepare for it, the better it is. You can start saving your money as per your salary to keep some amount for your child’s education.  source: pixabay #5 Financial plan for your retirement   With so many things to do for your infant, you might at times forget to prioritize your own life goals. But you must not undermine your priority. Just as your child is important, your future life is nowhere less significant. You must consider setting up automatic withdrawal of retirement contributions.  Prioritizing your retirement will prepare you for the future.   #6 Invest in a term life insurance plan  Like other insurance forms, life insurance also can financially protect you & your family against any worst situation. You might not realize it, but term life insurance policies are extremely affordable. For healthy adults, these policies can cost less than monthly video or music streaming services.  The best part of investing in such an insurance policy is that it provides the financial protection that your family requires in case of any unexpected tragedy. Due to the amount of coverage that varies by different aspects, life insurance calculators help determine the appropriate coverage for your family.  #7 Make a will & mention beneficiaries on your accounts  In the event of your unfortunate demise, financial arrangements for your child are crucial. A will, thus, offers a plan for the division of your assets. In addition, it also designates a legal guardian for your child. Most individuals mention their surviving spouse or children as their account’s beneficiaries. You may select a separate guardian who can manage your accounts & assets until your kid reaches legal age.   An authenticated will helps avoid long legal battles about who owns your accounts & assets. It also helps define how your kid will be cared for. You may change the will & beneficiaries at any point in time.   One quick note: When you file out the essential forms, always take legal consultation from an attorney.  Ensuring these steps can safeguard your and your child’s future. Comprehensive financial planning as a parent can help you manage different expenses and maintain a healthy lifestyle for your family. FAQs Why is financial planning important for parents? Financial planning for parents is a must. It helps them manage their child's big and small finances - the biggest finance is education. From nursery to college, Indian parents bear the cost of education, and it's important to plan for its expenses. By categorizing and budgeting, parents can know how much they need, by when they need it so that they can start preparing for it. For instance, the cost of engineering in India is nearly 4-5 lakhs today; in the next 5 years, this cost will double. So to save up for a child's degree, you can choose mutual funds or US ETFs. How do I financially prepare for my child? Here are 7 ways to financially prepare for your child: Get a health insurance plan for your newborn Create a Budget Create an emergency fund Save for your kid’s education Financial plan for your retirement Invest in a term life insurance plan Make a will & mention beneficiaries on your accounts How do I plan finances for my family? The best way to plan your finances as a family is to create multiple budgets. You can have an annual budget, a 5-year financial plan, and a 10-year financial plan. This will help you assess when you need to meet certain goals and how you can achieve the. You can consult a financial advisor to figure out the best possible route. What are the five importance of financial planning? Financial planning for parents helps in achieving the 5 most common goals: buying a home, children's higher education, children's marriage, retirement planning, estate planning, etc., and long-term financial security. Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

In the previous article, we discussed the top 10 mid-cap mutual funds in India. In this article, we will discuss the top 10 large-cap mutual funds in India. A large-cap fund is a fund that invests majorly in large-cap companies as per market capitalization. As per SEBI regulations, a large-cap fund is required to invest a minimum of 80% of its assets in large-cap companies through equity. Benefits of Large-Cap Mutual Funds Relatively Low Risk: These funds invest in India’s top large-cap companies, which are very stable. Hence, it helps to lower the risk when compared to other categories of equity-oriented funds. High Liquidity: These funds hold the highest liquidity due to their size and reliability in the market. Stable Returns: Since these funds invest in large-cap companies, they have stability in the business. So, these funds provide stable returns to their shareholders. Top 10 large mutual funds S.No.Fund Name3-Yr Annualized Performance1IDBI India Top 100 Equity Fund Direct-Growth16.79 %2IDBI India Top 100 Equity Fund Direct Growth16.48 %3ICICI Prudential Bluechip Fund Direct Plan-Growth15.72 %4Kotak Bluechip Fund Direct-Growth15.21 %5Mahindra Manulife Large-Cap Pragati Yojana Direct-Growth15.07 %6Baroda BNP Paribas Large-Cap Fund Direct Plan - Growth Option14.65 %7SBI Bluechip Fund Direct-Growth14.44 %8Mirae Asset Large-Cap Fund Direct Plan-Growth14.13 %9Mirae Asset Large-Cap Fund Direct Plan Growth13.99 %10Invesco India Large-Cap Fund Direct Plan-Growth13.99 %Source: Morningstar Let’s look at these funds closely. 1. Canara Robeco Bluechip Equity Fund Direct Plan-Growth - Large cap mutual funds Fund analysis: The fund’s objective is to provide capital appreciation by predominantly investing in companies having a large market capitalization. The risk grade is low whereas the return grade is high. The fund has 98.06% holdings in large-cap companies by market capitalization. The fund has a beta of 0.86 which means that the fund movement is very less relative to the market movement. The fund has a lower risk (measured by standard deviation) than the category average. ProsConsThe fund is less risky when compared to other equity funds. Major holding is in Bluechip companies.Not meant for investors with an aggressive risk appetite. 2. IDBI India Top 100 Equity Fund Direct-Growth - Large cap mutual funds Fund analysis: The fund’s objective is to provide investors with opportunities for long-term capital appreciation by investing predominantly in Equity and equity-related Instruments of Large-cap companies. The risk grade is below average whereas the return grade is high. The fund has a well-diversified portfolio of 60 holdings. The top 10 holdings consist of 47.44%. It has invested in large-cap growth companies with 9.53% of exposure to mid-cap companies. The fund has a lower risk (measured by standard deviation) than the category average. ProsConsThe fund has captured the market well when the market was falling and when the market was rising. The fund is less risky when compared to other equity funds.The fund has low 5-Yr annualized returns. 3. Kotak Bluechip Fund Direct-Growth - Large cap mutual funds Fund analysis: The fund is a consistent performer and has been rated 4 stars by Morningstar. The risk grade is average, and the return grade is high. The fund has a beta of 0.95 indicating a balanced approach by the fund manager to aggressive and conservative stocks. Along with investing in large-cap companies, the fund has exposure to mid-cap (11.48%) & small-cap (0.61%) companies. The fund has low risk (measured by standard deviation) than the category average. ProsConsThe fund is less risky when compared to other equity funds. The fund captured the market well when the market was falling and when the market was rising.Not applicable 4. UTI Master Share Growth Option Direct - Large cap mutual funds Fund analysis: The fund’s objective is to generate long-term capital appreciation by investing predominantly in securities of large-cap companies. The risk grade is below average, and the return grade is high. The fund flows blend style of investing which indicates that the fund is holding both value and growth stock in the portfolio. The fund has good assets under the management of Rs. 9,237.7 crore, which shows the reliability of investors. The fund has a lower risk (measured by standard deviation) than the category average. ProsConsThe fund is giving constant returns over the long term. The fund has good assets under management.Fund follows the benchmark closely. 5. Mahindra Manulife Large Cap Pragati Yojana Direct-Growth - Large cap mutual funds Fund analysis: The fund is one of the top-performing funds in its category. It has outperformed the category average over the long-term period. The fund is rated 5-star by Morningstar. The risk grade is below average, and the return grade is high. The fund flows blend style of investing which indicates that the fund is holding both value and growth stock in the portfolio. The fund has good assets under the management of Rs. 9,237.7 crore, which shows the reliability of investors. The fund has a lower risk (measured by standard deviation) than the category average. ProsConsThe fund is less risky when compared to other equity funds. Major holding is in Bluechip companies.Low assets under management. 6. Baroda BNP Paribas Large Cap Fund Direct Plan-Growth Option - Large cap mutual funds Fund analysis: The fund’s objective is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity-related securities by predominantly investing in large market capitalization companies. The risk grade is low, and the return grade is high. The fund has a low beta of 0.86 indicating that the movement of the fund is very less relative to the market movement. The fund has invested 98.54% in large-cap companies and the rest is in mid-cap & small-cap companies. The fund has invested across sectors. ProsConsThe fund is less risky when compared to its category. The fund has a well-diversified portfolio.Fund has underperformed the benchmark. 7. ICICI Prudential Bluechip Fund Direct Plan-Growth - Large cap mutual funds Fund analysis: The fund’s objective is to generate long-term capital appreciation and income distribution to investors from a portfolio that is predominantly invested in equity and equity-related securities of large-cap companies. The risk grade is average, and the return grade is high. The fund has a well-diversified portfolio of 74 holdings spread across sectors except for real estate. The portfolio has both value and growth stocks in its portfolio. The fund has a lower risk (measured by standard deviation) than the category average. ProsConsThe fund invests in both value & growth stocks. Fund has outperformed the benchmark & the category with a good margin.Fund was not able to capture the market well when it was rising. 8. SBI Bluechip Fund Direct-Growth - Large cap mutual funds Fund analysis: The fund’s objective is to provide investors with opportunities for long-term growth in capital through active management of investments in a diversified basket of large-cap equity stocks (as specified by SEBI/AMFI from time to time). The risk grade is above average, and the return grade is high. The fund has a beta of 1.00 indicating fund movement is very much dependent on the market movement. The fund is rated 3-star by Morningstar. The fund has a relatively high risk (measured by standard deviation) than the category average ProsConsThe fund has a well-diversified portfolio. The fund invests in both value & growth stocks.Fund was not able to capture the market well when it was falling. 9. Mirae Asset Large Cap Fund Direct Plan-Growth - Large cap mutual funds Fund analysis: The fund has outperformed the benchmark and the category marginally over the long-term period. The fund is rated 4-star by Morningstar. The risk grade is average, and the return grade is high. The fund follows a blended style of investing, which means it has both value and growth stocks in its portfolio. The fund has a lower risk (measured by standard deviation) than the category average. ProsConsThe fund is equally volatile with its category average. The fund is a consistent compounder.Very high assets under management. 10. Invesco India Large Cap Fund Direct Plan-Growth - Large cap mutual funds Fund analysis: The fund has a balanced portfolio of 40 stocks, investing in value and growth stocks across market capitalization with major holdings in large-cap (93.50%) companies and the rest in mid-cap & small-cap companies. The risk grade is average, and the return grade is high. The fund is rated 3-star by Morningstar and the fund has given satisfactory returns over the long term. The fund has low risk (measured by standard deviation) than the category average. ProsConsThe fund was not able to capture the market well when it was rising.Fund was not able to capture the market well when it was rising. Advantages of Investing in Large-Cap Funds 1. Stable investment option Large-cap funds invest in top companies that are financially sound and have an excellent track record of performing well in the markets. They have solid business plans, and their revenue is consistent. The chances of the funds of these companies getting affected by small market fluctuations are low. These companies also give their investors dividends which help them create wealth.    2. Investors can make informed decisions Large-cap funds invest in blue-chip companies. These companies are well-established and have been active in the market for a long time. So, investors can check their past performance and make wise investment decisions.    3. Liquidity Large-cap funds offer high liquidity, which makes it easier for investors to withdraw the investment amount during adverse market conditions without having to incur a major loss.    Disadvantages of Investing in Large-Cap Funds 1. Management fees Large-cap funds invest in top companies in every sector, and the fund management fees are usually high compared to other funds. The exit load of certain plans is 1%, which investors have to pay if they withdraw the investment within the minimum holding period.    2. Returns    Large-cap funds may not give returns as high as mid-cap or small-cap funds. This is because the top companies already hold a huge chunk of shares, and their gains may be in small increments.    Who should invest in large-cap mutual funds? Large-cap mutual funds are most suitable for investors who don’t want to take much risk and are happy with stable returns. Large-cap funds are ideal if investors want to invest for more than 5 years and are expecting average returns. Newcomers can opt for large-cap funds because it has the potential to manage fluctuations in the market and also offers better returns than bank deposits on most occasions.     Things to consider before investing in the best large-cap funds Understand the risk and returns of the ratio of the large-cap funds    Average returns compared to small-cap and mid-cap funds    High expense ratio- Management fees are on the higher side    This fund is suitable for long-term investors    Income gained from the mutual fund is taxable    How to choose the best large-cap mutual funds? Consider your financial goal and assess if investing in large-cap mutual funds can help you reach your goal. If you are planning to invest in the long-term, which is between 5 to 15 years, and you are risk averse, you could consider investing in large-cap funds. Investors who have short-term goals and expect higher returns may not be interested in investing in large-cap funds. Select a fund with a lower expense ratio, as large-cap funds usually charge higher management fees than others.     FAQs What are large-cap funds? Large-cap funds invest in the best companies in every sector that are well-established and have a great track record. Large-cap funds invest a large portion of the corpus in blue-chip companies. Which large-cap fund is the best? Canara Robeco Bluechip Equity Fund Direct Plan-Growth IDBI India Top 100 Equity Fund Direct-Growth Kotak Bluechip Fund Direct-Growth UTI Master Share – Growth Option Direct Mahindra Manulife Large-Cap Pragati Yojana Direct-Growth Baroda BNP Paribas Large-Cap Fund Direct Plan – Growth Option ICICI Prudential Bluechip Fund Direct Plan-Growth SBI Bluechip Fund Direct-Growth Mirae Asset Large-Cap Fund Direct Plan-Growth Invesco India Large-Cap Fund Direct Plan-Growth Is large-cap a good investment? Large-cap funds invest most of the funds in well-established companies with a great track record, making investing in these funds less risky. These funds also give stable returns over the long term. Investors looking to invest in the long-term with minimal risk prefer large-cap funds over other funds. What are the benefits of large-cap funds? Stable investment option Investors can make informed decisions because of the excellent track record of the funds Liquidity Low risk compared to mid-cap and small-cap funds Which is the best-performing large-cap mutual fund in the last 10 years?  Ans. Data shows that the Nippon India Large Cap Fund, Kotak Emerging Equity Fund, and Nippon India Small Cap Fund have provided the highest returns in the respective large--, mid-, and small-cap categories during the last 10 years.  Is large-cap fund good for the long term?  Ans. With the top large-cap funds, you can rest easy knowing that your money is going into businesses with a proven track record of success over the medium to long term. These funds tend to carry less risk than small-cap and mid-cap funds, making them an excellent choice for risk-averse investors.  Which type of MF gives the highest return?  Ans. Growing SBI Small Cap Fund. As of August 16th, 2021, the SBI small-cap fund has an AUM of INR 9,620.21 crore, an expense ratio of 0.84%, and a Net Asset Value (NAV) of INR 102.68. The fund has a very high level of risk; hence the minimum SIP is INR 500.  Conclusion: For any investor who is looking to take equity exposure with low risk, then large-cap mutual funds are the right investment option. One could expect stable returns from these funds. Consult an expert advisor to get the right plan for you TALK TO AN EXPERT Disclaimer:This is not recommendation advice, use it for educational purposes only. Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes

Tata Digital India Fund is an equity-based fund offered by Tata Mutual Fund. Read on to know more about the fund, its growth, and why you should invest in it! Click here to Invest in Tata Mutual Funds Investment objective: TATA Digital India Fund's investment objective is to seek long-term capital appreciation by investing at least 80% of its net assets in equity and equity-related instruments of the companies in the Information Technology Sector in India. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns AUM₹ 5583 CrNAV₹ 35.83Launch Date28-December-2015Min SIP Amount₹ 150Expense Ratio0.35%BenchmarkS&P BSE ITNote: Report as of 3rd June 2022.Source: Value research online Performance: Trailing Returns %FundBenchmarkCategory3 Months-10.76-9.83-10.866 Months-15.24-13.31-15.611 Year17.4310.6413.873 Years Annualized30.2323.9029.895 Years Annualized30.0524.2627.22Note: Report as of 3rd June 2022. Source: Morningstar Riskometer: Fund Review: Market CapFund %Large Cap86.37Mid Cap12.28Small-Cap1.35Note: Report as of 30th April 2022.Source: Morningstar Top 10 HoldingsNameWeightage %Infosys Ltd23.92Tata Consultancy Services Ltd9.68HCL Technologies Ltd6.81Tech Mahindra Ltd6.57Bharti Airtel6.01Larsen & Toubro Infotech Ltd4.33Persistent Systems Ltd4.28Mphasis Ltd4.19Wipro Ltd3.37Coforge Ltd3.09 Note: Report as of 30th April 2022. Source: Morningstar Sector AllocationWeightage %Basic Materials-Consumer Cyclical1.10Financial Services-Real Estate-Communication Services10.00Energy-Industrials3.98Technology84.78Consumer Defensive0.13Healthcare-Utilities-Note: Report as of 30th April 2022. Source: Morningstar Fund profile: The categorization of the stocks in this fund is based on information technology majorly. The fund largely follows a growth-oriented style of investing and invests across market capitalizations – around 86.37% in large-cap, 12.28% in mid-cap, and 1.35% in small-cap with 6.64%. This fund is for investors with advanced knowledge of macro trends who prefers to take selective bets for higher returns compared to other equity funds. ProsConsHigh returns compared to other equity funds. Low Expense RatioChances of facing moderate to high losses.Exit Load 0.25% before 30 Days How much would you have made with SIP? Monthly SIP AmountTotal InvestmentCurrent ValuationNet ProfitCumulative Returns₨ 5000/-₨ 3,85,000/-₨ 10,00,464/-₨ 6,15,464/-435.39%Note: SIP Start Date – 28/12/2015, SIP End Date – 30/04/2022. Past performance does not guarantee future returns.Source: Morningstar About the fund managers Meeta Shetty since Nov-2018. She is a CFA Charter holder. She joined Tata Asset Management Ltd. in March 2017 as Research Analyst, tracking the IT, Pharma, and Telecom sector. Venkat Samala since May-2019. After completing his MBA, he joined Tata Asset Management Ltd as a Research analyst and worked up to be the fund manager. He has more than 7 years of industry experience. Disclaimer The data in this presentation are meant for general reading purposes only and are not meant to serve as a professional guide/investment advice for the readers.This presentation has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable.Whilst no action has been suggested or offered based upon the information provided herein, due care has been taken to endeavor that the facts are accurate and reasonable as of date. The information placed on the presentation is for informational purposes only and does not constitute an offer to sell or buy a security.The Company reserves the right to make modifications and alterations to the content available on the presentation. Readers are advised to seek independent professional advice and arrive at an informed investment decision before making any investment. Investment in the securities market is subject to market risks, read all the related documents carefully before investing. The valuation of securities may increase or decrease depending on the factors affecting the securities market. EduFund and the EduFund App are the brand and product of Helena Edtech Private Limited “An affiliate of the Company, i.e., Samyama Advisors Private Limited, is registered with the Securities and Exchange Board of India (SEBI) as an investment adviser under the SEBI (Investment Advisers) Regulations, 2013 bearing the registration number [INA000015321]. Samyama Advisors Private Limited may provide investment advice to the clients through the Company's platform.” Registered Address: 30, Omkar House, Near Swastik Char Rasta, Navrangpura, Ahmedabad Gujarat, India – 380009.Transaction Platform Partner: BSE Star MF (with Member code-51573). CIN No: U67100GJ2020PTC112589. RIA Number: INA000015321 GST No: 24AAFCH2122L1ZU© EduFund | All rights reserved | 2022 Last Updated – May 19, 2022 FAQs Is Tata Digital India Fund good? TATA Digital India Fund has AUM is ₹5583 Cr and a NAV of ₹35.83. It is managed by one of the oldest and most trusted AMCs in India. Based on your financial goals, you can consider it as an investment. How to invest in Tata Digital India Fund? You can invest in TATA Digital India Fund via the EduFund. Just download the App and place a lumpsum or SIP order to get started. EduFund is a SEBI-registered app and your investments are protected. You can view your order status, and pause or cancel the SIP at your will. Is it safe to invest in Tata Digital mutual fund? Tata Digital mutual fund is listed as a high-risk investment. Which digital fund is best? Tata Digital India Fund is considered one of the best digital funds in India. What is the Tata Digital India Fund?   The Tata Digital India Fund is an investment fund managed by Tata Asset Management Limited. Its objective is to generate long-term capital appreciation by investing in equity and equity-related securities of companies that benefit from the growth of the digital economy in India.   Who can invest in the Tata Digital India Fund? The Tata Digital India Fund is open to both individual and institutional investors who wish to participate in the potential growth of digitalization in India. Investors can consult with financial advisors or directly approach Tata Asset Management for more details on the investment process.  What are the benefits of investing in the Tata Digital India Fund?    Investing in the Tata Digital India Fund provides exposure to companies at the forefront of India's digital transformation. It provides the potential for capital appreciation as digital technologies continue to reshape various industries. Additionally, the fund is managed by experienced professionals who actively monitor and adjust the portfolio based on market trends.   How can I invest in the Tata Digital India Fund?   To invest in the Tata Digital India Fund, you can visit the official website of Tata Asset Management or contact their customer service. They provide various investment options such as lump sum investment and systematic investment plans (SIP) to suit your investment preferences.  

People do not accept a salesperson's first price as the actual value of veggies purchased from a roadside cart. Instead, most people try to come up with a more objective appraisal of the vegetables' true worth.  It can be challenging to haggle with some merchants. Fortunately, ETFs make it simple by calculating and disseminating information to the public daily. Net asset value (NAV) is the word for this "value," and it's one of the essential data elements for ETFs and mutual funds.  The value of a fund's assets subtracted from the value of its liabilities is known as net asset value (NAV). The term "net asset value" is frequently used in the context of mutual funds and ETFs, and it refers to the value of the assets owned in the fund.   The Securities and Exchange Commission (SEC) requires mutual funds and ETFs to compute their NAV at least once every business day.  net asset value = value of assets - value of liabilities  The NAV is the value of a fund's holdings in cash, shares, bonds, financial derivatives, and other securities, less any liabilities, fund expenses, and fees.  Generally, the NAV of an ETF or a mutual fund, the NAV is calculated per share or unit.  net asset value = value of assets - value of liabilities / Total shares outstanding  Let's take an example,  An investment firm that runs an ETF wants to determine how much a single share's net asset value is worth. The following information is given to the investment firm on its ETF:  Value of securities in the portfolio: $90 million (based on end-of-day closing prices)  Cash and cash equivalents of $25 million  Accrued income for the day of $30 million  Short-term liabilities of $0.5 million  Long-term liabilities of $15 million  The accrued expense for the day of $7 million  30 million shares outstanding  net asset value = 90000000 + 25000000 + 30000000 - 500000 - 15000000 - 7000000 / 30000000 = $1.3983 Thus, the NAV of the fund is $ 1.3983.   To calculate a daily NAV, the fund selects a time to value its assets each day. The NAV of a standard equities ETF is determined (or "struck") after all of the markets that the ETF's index tracks have closed.  For example, the NAV of an ETF following US equities is taken shortly after the US market closes at 4:00 p.m. ET. The closing stock price of each fund's assets must be recorded as a representation of its current value.   The worth of the fund's whole portfolio is calculated by adding these prices. When the value of the fund's securities rises, the fund's NAV also rises. The NAV of the fund decreases as the value of the securities in the fund decreases.  The NAV of a fund is essentially a representation of the fair market value of a single fund share. It gives investors a benchmark against judging any bids to buy or sell shares in the fund.  What is NAV?  The intraday or indicative NAV (or "iNAV") differs from an ETF's official, once-a-day NAV. It is a gauge of an ETF's intraday worth, with the pricing used for the NAV calculation revised many times per minute to reflect real-time market fluctuations.  Third-party corporations frequently calculate iNAVs for their clients. When trying to trade an ETF, iNAVs can be a helpful indicator of worth, albeit they're not fail-safe and, like NAVs, may not reflect genuine value if prices grow old.  What isn't Net asset value able to tell?  While a mutual fund's net asset value (NAV) is an essential indicator of its value, it doesn't tell you everything you need to know about a fund's performance, value, or possible place in your portfolio.  The anticipated capital gains exposure that has occasionally accumulated within an older ETF or index fund is not calculated by net asset value. It also cannot know whether the underlying holdings' intrinsic worth is reasonable.  During the dot-com boom, for example, one could have purchased a fund at its net asset value while still paying high P/E ratios for businesses that were doomed to fail.  While NAV is a crucial part of understanding ETF trading for investors, it is not a substitute for other information regarding the mutual fund. Before investing, you should research an ETF's brand, profitability, aims, and long-term value to see if it is a better fit for your portfolio. FAQs How is the net asset value of a mutual fund calculated?   net asset value = value of assets – value of liabilities    The NAV is the value of a fund’s holdings in cash, shares, bonds, financial derivatives, and other securities, less any liabilities, fund expenses, and fees.    Generally, the NAV of an ETF or a mutual fund, the NAV is calculated per share or unit.   Why is NAV important to investors?   The worth of the fund’s whole portfolio is calculated by adding these prices. When the value of the fund’s securities rises, the fund’s NAV also rises. The NAV of the fund decreases as the value of the securities in the fund decreases.    The NAV of a fund is essentially a representation of the fair market value of a single fund share. It gives investors a benchmark against judging any bids to buy or sell shares in the fund.    Does NAV change daily?   The NAV per unit of all mutual fund schemes must be updated on AMFII’s website and the mutual fund’s website daily by 11 PM.   What is NAV in simple words?   The value of a fund’s assets subtracted from the value of its liabilities is known as net asset value (NAV). The term “net asset value” is frequently used in the context of mutual funds and ETFs, and it refers to the value of the assets owned in the fund.    TALK TO AN EXPERT

Investing is an art, a game of numbers and strategy that has the power to shape our financial futures. But when it comes to investing, one size doesn't fit all. Every individual has unique goals, preferences, and risk tolerance which determine the type of investor they are.  Are you an adventurous risk-taker, or do you prefer a more cautious approach? Are you actively involved in managing your investments, or do you prefer a hands-off approach? By identifying your investing style, you can make more informed decisions and tailor your portfolio to suit your individual needs. What type of investor you are? 1. Risk-Averse Investor For some individuals, the thought of losing money is enough to keep them awake at night. They prioritize the preservation of capital over high returns. Risk-averse investors tend to choose low-risk investment options, such as government bonds, money market funds, and certificates of deposit (CDs). They give importance to stability and are more comfortable with predictable, albeit lower, returns. 2. Risk-Tolerant Investor On the other end of the spectrum, we have risk-tolerant investors. They are thrill-seekers, willing to take on higher levels of risk in pursuit of higher rewards. Risk-tolerant investors are often attracted to aggressive investment options, such as growth-oriented mutual funds, individual stocks, and alternative investments like real estate or commodities. They understand that with higher risk comes the potential for greater returns, but also the possibility of significant losses. 3. Active Investor Active investors are hands-on participants in the investment process. They actively research, analyze, and monitor their investments. They make frequent trades, seeking to take advantage of short-term market fluctuations. Active investors often enjoy the thrill of the chase and the potential for quick gains. They keep a close eye on market news, company earnings reports, and economic indicators to make informed decisions. Guide to Investing in US ETFs Read More 4. Passive Investor In contrast to active investors, passive investors prefer a more laid-back approach. They believe in the efficiency of the market and aim to match the overall market returns rather than trying to beat it. Passive investors typically invest in index funds or exchange-traded funds (ETFs) that track a specific market index, such as the S&P 500. They benefit from diversification and low fees, and they tend to have a long-term investment horizon. Note: Finding your investor type is not a one-time decision but a reflection of your evolving financial goals, circumstances, and risk appetite. It's essential to understand that your investor type can change over time as you gain more experience or undergo life changes. Moreover, a balanced approach to investing can often yield the best results. 5. Assessing Your Risk Tolerance Apart from determining your investment style, understanding your risk tolerance is crucial for successful investing. Risk tolerance refers to your ability to endure market volatility and the potential loss of capital. While aggressive investors are comfortable with higher levels of risk, conservative investors prefer lower-risk investments to protect their principal. It is important to strike a balance between your risk tolerance and investment objectives to ensure your investment strategy aligns with your financial goals. https://www.youtube.com/watch?v=tdwqQH0xkFw Introducing EduFund: Investing Made Easy for Parents Now that you have explored the various types of investors, it's important to mention EduFund, a platform designed to empower parents in their investment journey. Investing is not limited to individuals; it extends to families and their futures. As parents, we strive to provide the best opportunities for our children, including their education. EduFund understands the importance of investing in your child's future and empowers parents to become smart investors. EduFund offers a comprehensive solution that educates parents about the risks and benefits of investing. The platform provides valuable resources such as blogs, quizzes, and weekly insights to help parents deepen their understanding and make informed decisions. Whether you are a risk-seeking adventurer or a risk-averse cautious investor, EduFund caters to your unique needs. What sets EduFund apart is its commitment to empowering parents with knowledge and resources. Through the EduFund app, parents have access to a wealth of educational materials, including blogs, quizzes, and weekly insights. These resources help parents understand various investment concepts, debunk myths, and make informed decisions. One of the key advantages of EduFund is its emphasis on autonomy. Parents have full control over their investment decisions, allowing them to align their investments with their financial goals. However, EduFund also recognizes that investing can be daunting, especially for those new to the world of finance. That's why they provide expert guidance whenever needed. Parents can seek assistance from experienced professionals who can answer their questions and address their concerns. Investing in your child's education is an investment in their future success. EduFund helps you navigate the world of investments with confidence, ensuring that your child's educational aspirations are within reach. Join EduFund today and embark on a journey toward securing a bright future for your child. Understanding your investor type is crucial for achieving your financial goals. By reflecting on your risk tolerance and level of involvement, you can align your investment strategy with your unique preferences. Whether you identify as an adventurous risk seeker or a cautious capital preserver, EduFund is there to support you every step of the way, providing education, autonomy, and expert guidance. Begin your investment journey with confidence and empower your child's future through the power of EduFund.

If you are planning to send your child overseas for higher studies, here are 5 ways early saving will help your child’s future career. Depending on the career your child decides to pursue and the country where your child wishes to travel, you will require a corpus of anywhere from Rs. 25 lakhs to up to Rs. 1 crore. And as you can imagine, these funds need to be planned for and accumulated over time.   Here is why early saving will help your child’s future career  1. Start saving early to build a larger corpus It is difficult to assess the career your child will ultimately pursue almost 15 years from now, it is best for you to go big and work with a higher target. This way your child will have the freedom to choose whichever career appeals to him/her, without you stressing out about how you are going to fund it.   2. You will not need an education loan While education loans are quite commonplace these days, if you plan well in advance, your child will not need to apply for education loans. No matter how easy they are to get, you must remember that most students end up having to commit a substantial portion of their 7-9 years’ earnings in the initial years towards settling these loans. If you plan well and start saving early, you can spare your child the stress of this loan.   3. Zero hassle of getting education loans While education loans are many today, the competition for these loans is going up as more and more students aspire to go overseas. This means by the time your child is ready to travel for higher studies, these loans will be harder to get and will definitely be more expensive than they are today. Also, loans that are easily available are provided against high-value collateral. If you do not have the necessary collateral with all the required documentation, the loan will not be sanctioned. Further, if your loan application is rejected for any reason by even one loan provider, it will create a lot of hurdles for you when you apply to other lenders. All of this stress can be avoided if you have your own funds to put your child through college with your funds.   Source: pixabay 4. No fear of repayment Different lenders have different repayment terms. Some need the student to start repayment even during the study period. Others, once the course of over and the student starts working. In both cases, this becomes an additional area of concern for the student. Managing a job while studying overseas is not an easy task. Even if the repayment schedule starts to post the course completion, it implies the student will be forced to take up a job even if he/she prefers to study further. As you can see, there is no need to put your child through all these challenges. All you have to do is create and follow an effective savings plan that will help you save your funds and grow them through compounding over an extended period of time.   5. Builds healthy financial habits We all know that our children usually follow what we do when it comes to financial behavior. By saving early on, your child will be able to pursue the career of his / her choice and will be free to start work when he/she feels ready. Most children, having experienced the ease of access to their own funds, realize early on that saving for a bigger goal in the future is important. Your decisions today will encourage your child to put away their own funds for their future career and personal goals.   It may seem like an obvious adage to start saving for your child’s higher education. But most parents make the big mistake of waiting for their child to go off to college. Saving diligently, can be the game-changer that your family needs to shift to a whole new level of success in just one generation. So, ensure you start your savings today! FAQs What are the advantages of saving early?   Start saving early to build a large corpus. It is difficult to assess the career your child will ultimately pursue almost 15 years from now; it is best for you to go big and work with a higher target.   This way, your child will have the freedom to choose whichever career appeals to them without stressing out about how you will fund it.    Should you save money for your children?   We all know that our children usually follow what we do when it comes to financial behavior. By saving early on, your child will be able to pursue the career of their choice and will be free to start work when they feel ready.  What are the 4 advantages of saving money?   Saving money has several advantages. A few of the main advantages include:   Protects you in the event of a financial emergency   You can avoid debt   Provides you with financial freedom   Helps you pay for your child’s education without stress   Why is saving important for kids?   Depending on the career your child decides to pursue and the country where your child wishes to travel, you will require a corpus of anywhere from Rs. 25 lakhs to up to Rs. 1 crore. And as you can imagine, these funds need to be planned for and accumulated over time.   Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

Investment Objective: The investment objective of the scheme is to provide capital appreciation and income distribution to the investors by using equity derivatives strategies, arbitrage opportunities and pure equity investments. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The scheme does not assure or guarantee any returns. AUM₹ 4863.41 CrNAV₹ 15.21Launch Date28-January-2019Min SIP Amount₹ 150Expense Ratio0.28%BenchmarkCRISIL Hybrid 50+50 Moderate IndexNote: Report as of 3rd June 2022.Source: Value Research Online Performance: Trailing Returns %FundCategory3 Months0.920.526 Months0.20-1.771 Year7.604.373 Years Annualized12.539.185 Years Annualized--Note: Report as of 3rd June 2022.Source: Morningstar Riskometer: Fund review: Asset AllocationFund %Equity42.50 %Debt25.51 %Cash31.99 %Note: Report as of 30th April 2022.  Source: Morningstar Top 10 HoldingsNameWeightage %Reliance Industries Ltd4.21Tata Ultra Short-Term Dr Gr3.465.63% Govt Stock 20262.89ICICI Bank Ltd2.70HDFC Ltd2.49Tata Consultancy Services Ltd2.39Hindustan Unilever Ltd2.15Larsen & Toubro Lt1.93Axis Bank Ltd1.85Grasim Industries Lt1.83Note: Report as of 30th April 2022.   Source: Morningstar Sector AllocationWeightage %Basic Materials17.20Consumer Cyclical6.13Financial Services19.72Real Estate2.40Communication Services2.81Energy7.80Industrials8.89Technology10.68Consumer Defensive9.35Healthcare8.71Utilities6.31Note: Report as of 30th April 2022.    Source: Morningstar Fund profile: The categorization of the stocks in this fund is based on three parameters i.e., Cyclical, Sensitive, and Defensive. The fund largely follows a growth-oriented style of investing and invests across market capitalizations of around 53.82% in large-cap, 7.9% in mid-cap, and 1.99% in small-cap companies. Basis stock selection makes the fund less volatile as compared to the category. The fund has around 27.94% investment in debt – 8.69% in G-Sec and 19.25% invested in very low-risk securities. ProsConsGood equity and debt diversification as per market conditions. Exceptionally outperformed the category averageExit Load of 1.0% before 365 Days. How much would you have made with SIP? Monthly SIP AmountTotal InvestmentCurrent ValuationNet ProfitCumulative Returns₨ 5000/-₨ 2,00,000/-₨ 2,56,049/-₨ 56,049/-60.81%Note: SIP Start Date – 28/01/2019, SIP End Date – 30/04/2022. Past performance does not guarantee future returns.Source: Morningstar About the fund manager: Akhil Mittal since Jan-2019. He is a B.Com (H) and MBA from University Business School. Prior to joining Tata AMC, he worked with Canara Robeco AMC, Principal Asset Management Company, Edelweiss Securities Ltd. and Rallis India Ltd. Sailesh Jain since Jan-2019. He carries a rich experience of more than 16 years in both fund management and broking, He joined Tata Asset Management in November 2018 as the Fund Manager (Equities). He holds an MBA degree in Finance from the Queensland University of Technology in Australia. Disclaimer: The data in this presentation are meant for general reading purposes only and are not meant to serve as a professional guide/investment advice for the readers. This presentation has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Whilst no action has been suggested or offered based upon the information provided herein, due care has been taken to endeavor that the facts are accurate and reasonable as of date. The information placed on the presentation is for informational purposes only and does not constitute an offer to sell or buy a security. The Company reserves the right to make modifications and alterations to the content available on the presentation. Readers are advised to seek independent professional advice and arrive at an informed investment decision before making any investment. Investment in the securities market is subject to market risks, read all the related documents carefully before investing. The valuation of securities may increase or decrease depending on the factors affecting the securities market. EduFund and the EduFund App are the brand and product of Helena Edtech Private Limited “An affiliate of the Company, i.e., Samyama Advisors Private Limited, is registered with the Securities and Exchange Board of India (SEBI) as an investment adviser under the SEBI (Investment Advisers) Regulations, 2013 bearing the registration number [INA000015321]. Samyama Advisors Private Limited may provide investment advice to the clients through the Company’s platform.” Registered Address: 30, Omkar House, Near Swastik Char Rasta, Navrangpura, Ahmedabad Gujarat, India – 380009. Transaction Platform Partner: BSE Star MF (with Member code-51573). CIN No: U67100GJ2020PTC112589. RIA Number: INA000015321 GST No: 24AAFCH2122L1ZU© EduFund | All rights reserved | 2022 Last Updated – May 19, 2022 FAQs What is the growth of the Tata Balanced Advantage Fund plan? The categorization of the stocks in this fund is based on three parameters i.e., Cyclical, Sensitive, and Defensive. The fund largely follows a growth-oriented style of investing and invests across market capitalizations of around 53.82% in large-cap, 7.9% in mid-cap, and 1.99% in small-cap companies. Basis stock selection makes the fund less volatile as compared to the category. The fund has around 27.94% investment in debt – 8.69% in G-Sec and 19.25% invested in very low-risk securities. What is the expense ratio of Tata Balanced Advantage Fund Direct-Growth? The expense ratio of Tata Balanced Advantage Fund Direct-Growth is 0.28%. How to invest in Tata Balanced Advantage Fund Direct-Growth? You can invest in Tata Balanced Advantage Fund Direct-Growth using the EduFund App. Set up an account in 10 minutes and explore over 4000 mutual funds! Tata is one of the most trusted AMCs in India that offers diverse investment solutions to Indian investors.

A good college for your child is the end goal for every parent because it’s the stepping stone to a great career and life. But why save 10 years in advance for your child's education? Here is why! Ideally, you need to save 10 years in advance for your child’s college but many parents make the mistake of thinking they have enough time. Here’s why you need to start saving early and consistently for your child’s higher education to be financially independent in the future.    Why save 10 years in advance for a child's college? Increasing tuition fees  Do you know that the cost of education schooling, and college is going up by 10 -12% every year? Let’s say the annual fees in a private engineering college in 2022 stand at Rs. 6-7 lakhs. By 2027, this same one-year fee will be Rs. 27 lakhs, given the rate at which fees are being hiked. The standard rate of inflation does not apply to education and is almost always higher.  Increasing lifestyle cost   Changing lifestyle standards and greater disposable incomes mean parents don’t want their children to study in government institutes that at times have insufficient infrastructure. So, when you start looking for a college for your child, you will naturally find yourself drawn to contemporary universities with fancy buildings, equipped with all kinds of learning and teaching technology everything that comes with an expensive price tag. Especially as ICSE and international boards become increasingly accepted, the next step in a student’s academic career is a school that is comparable to global world-class educational institutes in terms of quality of education, opportunities, and facilities. When you plan to give your child the best of institutes, you must be ready for the financial demands that tag along.  High competition  Getting into good government colleges/universities was always challenging, but now it has become even more so with the growing numbers looking to pursue higher education. The intense competition at the govt universities has increased the demand for private universities that charge more than their government counterparts. This makes it necessary for parents to save up over time for the large fees that are required in private universities.  Similarly saving up for sending your child abroad comes with its own set of financial woes. You need to consider currency changes, the political and economic climate of both countries and the average cost of living rather than just your child’s college fees.   Source: pixabay How to save across 10 years?  Overseas undergrad education in the best of universities can cost you close to a crore of rupees. Sure, at the outset this amount sounds daunting, but it is not. If you start putting away Rs. 9000 – 12000 per month over the next 10-15 years, you will be able to touch your target of creating an education corpus of Rs. 1 crore. Investing in Equities across a long-term horizon usually brings you an average return of 15-16%. This is further enhanced when you do not pull out your earnings on a regular basis.   When you start early, you have the distinct advantage of the power of compounding. Your investment will grow and give you impressive returns over a long period.   If you think you will start late and makeup as you go along, you are sadly mistaken. A shorter investment term means your money has lesser time to grow. Yet there are many financial instruments you can depend on to reach your goal, it’s always better to approach a professional or a financial advisor when you are considering a huge expense like higher education.  Saving 10 years in advance for your child’s college gives you a huge advantage. It can you manage your daily spending and take care of one of the most challenging spending of your life. Don’t start saving blindly, get in touch with an expert to get a financial plan for your child’s unique goals. FAQs How do I save for my child's education? One of the most common questions among parents is how to save for their child’s education. The best and most effective way is to invest in mutual funds, US ETFs, stocks, etc. Within mutual funds, parents who have kids between the ages of 1-5 years should opt for equity-based mutual funds. These funds are great for long-term investors who are looking at 10-15 years of investment horizon. However, each plan depends on the parent’s risk appetite, time horizon, and the final amount needed for their goal. How much money do I need for my kid's education? An easier way to find how much money you need is through the EduFund College Cost Calculator. The calculator helps you in 2 pertinent ways: It estimates the final cost of any course and college after adjusting it for inflation It customizes a plan based on when and where your child wants to study It suggests investment plans and even scholarships + education loans that can assist you in paying for the amount Why is it important to save money for my child’s education? The average cost of education is increasing rapidly. Certain courses like medicine in private universities in India can cost you nearly 1 crore. If you are planning to send your child abroad then need to think of currency exchanges, LRS limits on spending, accommodation costs, and even expensive flight tickets. All these factors are important to consider while creating a corpus. Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

Recent events like the pandemic, the Russian - the Ukraine war, the consistently falling rupee, and high inflation have proved why investing at an early age and systematically is vital and a significant requirement today! Since it’s the only way to beat inflation and work towards wealth generation, here are 8 ways to invest in 2023 for beginners!  1. Know your financial goals  Every person has financial goals to achieve; whether it’s to cruise around the world or pay for your child’s foreign education. Everyone has them and everyone needs to work for them. The first rule of investing is to determine your short-term goals like buying a car and long-term goals like buying a house to figure out how to work towards it based on your finances and spending.  When it comes to financial planning, it's best to be realistic. Understand your goals and determine the best way to attain them without compromising your present needs!  2. Study your finances  Before investing a huge sum, it's good to budget your finances and understand where your money is going. For instance, if you have an income of Rs. 45,000 a month and if you spend Rs. 25,000 on rent then it’s not feasible for you to invest Rs.20,000. You have to take care of your utility bills, food, and other miscellaneous expenses. It's best to pick a realistic amount for investing every month that you can pay consistently before starting a SIP.  3. Time your financial goals  Knowing how much time you have and need to achieve your goal is a crucial aspect of investing. Some investments have a lock-in period; suppose you choose an investment that has a lock-in period of 5 years but you need your money in 3 years, this can throw your financial planning off the charts. So, it’s important to align your deadlines with your investments so that you can take care of all your needs on time.  4. Know your risk appetite  Some investments are riskier than others, some offer low to medium risks. Depending on your risk appetite you can choose the option that suits your financial goals and current needs. Risk appetite depends on a number of factors like your running income, sources of income, financial obligations, number of dependents, age, etc.  5. Put your eggs in different baskets  You have probably heard this line more than enough to know relying on one financial tool like an FD Mutual Fund or ETF alone can be a huge mistake. It is always beneficial to diversify your investments so that you can achieve your financial goals faster and more efficiently. Speak to an expert if you have trouble assessing the different investments for your unique goals!   6. Avoid impulse decisions  Many first-time investors make the mistake of investing everywhere without any specific goal in mind rather than the lure of lucrative returns. While these avenues may be a great investment opportunity, they could prove to be a loss. So do your research well, understand your needs, and then invest your hard-earned money into schemes you can vouch for!  7. Ensure you have enough liquidity   Some investments have lock-in periods and levy extra charges for redemption before the set date. This can be a huge loss on your investment! While you cannot foresee future emergencies, you can prepare for them with emergency funds and some liquidity, that is, cash in hand!    8. Market research is key  While the pandemic introduced various changes and led to the emergence of pharma companies like high-return investments, the winds are changing again. Companies like manufacturing and logistics are making a grand comeback, especially in India with the start-up culture in full swing. So, know your market before making any big investments. If you have no prior expertise in share market research then contact an expert!   How you invest in 2023 should be determined by your financial goals and needs while keeping research at the centerfold! The gamut of financial advice and instruments has increased in the past few years, it is easy to get overwhelmed so seek help wherever you can to make the right choices!  FAQs What are the top 5 sectors to invest in 2023? The top 5 sectors to invest in 2023 are: Information Technology, Pharmaceuticals, FMCG, Automobile Companies, Logistics, etc How to plan investment in 2023? The key to investing is knowing your time horizon, financial goals, risk profile, and lastly, diversification. Ideally, every month, every individual should invest an amount they prefer towards their financial goals to achieve them on time. You can opt for a bunch of investments like mutual funds, ETFs, stocks, insurance, PPF, government programs, bonds, and even FD based on your financial needs. Always consult an expert so that you can plan and implement smartly! Which sector will boom in India? Watch out for sectors like housing, banking, information technology, pharma, and automobiles TALK TO AN EXPERT

UTI is one of the pioneers of the Indian Mutual Fund Industry. With over Rs 2.4 Lakh crore, the AMC is among the most trusted names in the mutual fund space. The UTI Mutual Fund offers products across asset classes. https://www.youtube.com/watch?v=tdwqQH0xkFw UTI Arbitrage Fund  Investment Objective The scheme aims to generate capital appreciation through arbitrage opportunities between cash and derivative market and arbitrage opportunities within the derivative segment and by deploying surplus cash in debt securities and money market instruments.   Investment Process   The fund follows a strategy to take advantage of the arbitrage opportunities arising from the price difference between the cash and derivative market. The fund will endeavor to enhance returns through arbitrage between spot and futures equity markets. The fund manager will evaluate the difference between the price of a stock in the futures market and the spot market on a market-neutral basis. The balance portion of the portfolio is invested in FDs, debt instruments, money market instruments, and/or units of debt funds of Mutual Funds Source: UTI MF Portfolio composition  As a hybrid fund, the funds are allocated to Equity (Hedged), Commercial Papers, Government Securities, Certificate of Deposit, T-Bills, Treps, and NCA. Note: Data as of 30th April. 2023.Source: UTIMF, Value Research Top 5 Holdings  Name Sector  % UTI Money Market Direct - Growth Financial 10.12 ICICI Bank Financial 6.50 Kotak Mahindra Bank Financial 5.46 Reliance Industries Energy 4.91 Ambuja Cements Materials 3.51 Note: Data as of 30th April. 2023. Source: UTIMF, Value Research  Performance since inception  The fund has generated a CAGR of 6.73% since inception for its regular plan as on 31st March 2023.  Note: Fund performance since launch; Inception Date – 22nd June. 2006. Source: UTIMF Invest Now UTI Hybrid Fund Read More Fund manager  Sharwan Kumar Goyal: Sharwan Goyal is Fund Manager and Head - Passive, Arbitrage, and Quant strategies at UTI AMC. He is a CFA Charter holder from CFA Institute, USA, and holds a post-graduate degree in Management (MMS) from Welingkar Institute of Management, Mumbai. He has over 16 years of experience in Risk Management, Equity Research, Portfolio Analysis, and Fund Management at UTI AMC.  Amit Sharma: Mr. Amit Sharma has been associated with UTI AMC for the past 13 yrs. He is a CA Charter holder and an FRM charter holder. In UTI, he has worked in the Valuation team and is currently the Fund Manager of the UTI Overnight Fund, UTI Liquid Cash Plan, UTI Money Market Fund, and UTI Arbitrage Fund (Debt portion)  Who Should Invest?  Investors looking to take advantage of the arbitrage opportunities in the equity markets  Investors looking to invest on a medium-term basis without a directional exposure  Why Invest?  A fully hedged portfolio eliminates the risk typically attached to directional Volatility management calls.  The equity status of the fund lowers the incidence of capital gains tax.  Low expense structure compared to peer average.  Horizon  Ideal for investors with a time horizon of six months and above.   Conclusion  The equity portion of the fund's portfolio is managed actively through strategies such as Fresh Arbitrage, Reverse Arbitrage, Churning, and Short Rolls. In contrast, the debt portion is managed conservatively by investing in short-maturity and high-credit quality instruments. The fund has outperformed both benchmarks consistently. Hence, investors looking for capital appreciation without aggressive risk can consider this fund. DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only. 

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 worth Rs. 4,49,766.281 crores (excluding domestic fund of funds) as of 31st March 2023.  Let us talk about the consumer product – HDFC Multi Cap Fund.  https://www.youtube.com/watch?v=tdwqQH0xkFw HDFC Multi Cap Fund  Investment Objective   The scheme's investment objective is to generate long-term capital appreciation by investing in equity and equity-related securities of large-cap, mid-cap, and small-cap companies.  Investment Strategy  The fund manager follows a mix of top-down and bottom-up approaches to stock selection. The strategy is to invest in companies that are leaders or are gaining market share due to superior execution, scale, better adoption of technology, etc.   Portfolio Composition  The fund holds 98.67% equity across large-cap, mid-cap, and small-cap stocks and 1.33% in Cash and cash equivalents. The significant sectoral exposure is Banks, which account for over 15% of the portfolio. The top five sectors hold more than 40% of the portfolio. Note: Data as of 30th April. 2023.Source: Value Research Top 5 Holdings for Multi Cap Fund  Name Weightage % ICICI Bank Ltd. 4.27 HDFC Bank Ltd. 3.94 Infosys Ltd. 2.51 Reliance Industries Ltd. 2.45 Apar Industries Limited 2.39 Note: Data as of 30th April. 2023. Source: Value Research  https://www.youtube.com/watch?v=qy_EsYNTJU4 Fund Managers for HDFC Multi Cap Fund  Mr. Gopal Agrawal (Since 10th December 2021)– Fund Manager - Collectively over 17 years of experience in Fund Management and two years in Equity Research  Mr. Priya Rajan (Since 01st May 2022) – Senior Equity Analyst and Fund Manager for overseas Investments - Collectively over 15 years of experience.  Who Should Invest in HDFC Multi Cap Fund?  Investors looking to invest in an equity portfolio with a broad representation of sectors across market cap can consider this fund. However, investors should remain invested long-term to witness wealth creation.  Why Invest in this Fund?  Multi-cap provides balanced exposure to all sizes of company stocks which makes them more diverse.  As per the data released by AMFI for Jan-Mar. 23 quarter, HDFC AMC is the third largest AMC in India.  Time Horizon  One should look at investing for a minimum of three years or more.  Investment through Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion  The HDFC Multi Cap Fund was launched on 10th December 2021 and delivered over 25% return in the last year compared to 13.74% of S&P BSE 500 TRI in the same duration as on 11th May 2023. However, we must monitor the fund's performance over the long term. Investors need to remain invested for the long term to witness wealth creation.  DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only. 

UTI is one of the pioneers of the Indian Mutual Fund Industry. With over Rs 2.4 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 talk about the flagship product – UTI Transportation and Logistics Fund.  https://www.youtube.com/watch?v=tdwqQH0xkFw UTI Transportation and Logistics Fund  Investment Objective The scheme aims to generate long-term capital appreciation by investing predominantly in equity and equity-related securities of companies engaged in the transportation and logistics sector.  Investment Process   The fund follows a bottom-up approach for stock picking in line with its investment objective of investing in companies engaged in transportation and logistics. The fund focuses on companies having substantial earning quality, growth-oriented companies, and good companies in a transient weak operational phase. By virtue, the fund is highly risky due to its concentrated allocation.  Portfolio composition  The portfolio holds significant exposure in large-cap stocks at 72%, and significant sectoral exposure is to Automobile and Auto Components, which accounts for roughly three-fourths of the portfolio.  Note: Data as of 30th April. 2023. Source: UTIMF Top 5 Holdings UTI Transportation & Logistics Fund  Name Sector Weightage % Maruti Suzuki India Ltd. Automobile 12.88 Mahindra and Mahindra Ltd. Automobile 12.78 Tata Motors Ltd.  Automobile 10.48 Eicher Motors Ltd. Automobile 9.69 Bajaj Auto Ltd. Automobile 7.02 Note: Data as of 30th April 2023. Source: UTIMF  Performance Since Inception  If you had invested 10,000 at the fund's inception, it would now be valued at Rs. 98,237, whereas the benchmark (Nifty Transportation and Logistics TRI) would have fetched Rs. 89,164.  Note: Performance of the fund as on 31st March 2023 since launch; Inception Date – 11th April 2008 Source: utimf.com The fund has outperformed the benchmark. Investors have to be invested for a longer investment horizon to see the fund generating alpha.  Fund Manager  Mr. Sachin Trivedi ably manages the fund. Mr. Sachin Trivedi is Senior Vice President and designated Head of Research & Fund Manager, Equity at UTI AMC Ltd. He is a B.com graduate from Narsee Monjee College of Commerce, Mumbai, and holds a post-graduate degree in management (MMS) from the K. J. Somaiya Institute of Management Studies & Research, Mumbai University. He also holds a CFA charter since 2004 conferred on him by the CFA Institute, USA. He began his career in June 2001 with UTI. Sachin has 16 years of experience in research and portfolio management. In research, he has specialized in Auto OEM, Utilities, Capital Goods, and Logistics.   Who should invest?  Investors looking to  Increase the risk spectrum with exposure to a thematic portfolio by investing in stocks of companies catering to the transportation and logistics sector  Have a tactical allocation to their overall equity portfolio  Increase the risk spectrum of their portfolio with exposure to a sectoral philosophy  Why invest?  The fund's endeavor to benefit from growing income levels, increasing aspirations, and also led by low vehicle penetration in India, relative to similar economies, is a signal for an uptick in future demand and would be a positive factor for the sector.  The fund would be agnostic to the market capitalization spectrum and may take concentrated exposure to specific stocks, therefore, endeavoring to benefit from their underlying growth.  The fund is ideal for a tactical allocation, with relatively better return potential than the diversified equity funds.  Horizon  Ideal for investment with a time horizon of, preferably, five years or above   Investment through Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion  The UTI Transportation and Logistics Fund has delivered consistent returns in the long run. Investors seeking a high return by taking aggressive risks with a bias towards the logistics and transportation sector can consider this fund for a long-term time horizon.  DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only.