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Words of Wisdom for your Financial Journey

Today, we share with you 5 priceless thoughts by these investment experts. We are sure this will inspire your financial journey forever. "I will tell you how to become rich. Close the doors. Be fearful when others are greedy. Be greedy when others are fearful." - Warren BuffettOkay, so this comes from one of the richest men in the history of investment. But haven’t you also read something similar in our communications ☺. Dear investor, if you wish to turn your investment into wealth then you must know that one needs to invest when the markets are down, so you could find good value and not when the index hits high and makes everything expensive. "The individual investor should act consistently as an investor and not as a speculator." - Ben GrahamBeen there, said that – didn’t we. A disciplined investor will never speculate. Speculation is akin to gambling and that’s the last thing we want you to do with your hard earned savings. Meet your investment objective with careful planning and selecting the right fund that will help you get there. Ignore market noise

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What is a Mutual Fund Benchmark?

Back in the days, if you recall going home to break your exam results to your parents, it wasn’t an easy thing to do. After scoring 60% in one of the papers which was rather tough, you come up with a range of explanations making your parents understand how difficult the paper was. You then go on to claim that most of your classmates scored lower marks or that the class topper scored 68% which wasn’t too far from your own score. But, after giving all the valid reasons to convince them that the paper was a tough nut to crack, you are however reprimanded for not performing well. Surely, you would be disappointed that they are not trying to reason with you as to how tough the paper was. Now take for instance a mutual fund’s performance for the past one-year period. It came down 7.5% during that period. In this case would it be right to say that the fund performed badly? It would be fair to compare the fund’s performance to a standard as you compared your performance to that of your classmates. A standard is thus the fund’s benchmark that helps to facilitate

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Financial Intelligence is the Need of the Hour!

While taking a stroll in his neighborhood park one quiet evening, Rohit and I happened to bump into a very old college friend Virat. Rohit, a financial planner working for a reputed mutual fund house, and Virat, a manager at a factory of a reputed FMCG company, used to debate on various regional, national and global issues that got the pair well-known during college debate competitions. After reminiscing the good old days of 'who delivered the best speech', the two old buddies sat down to enjoy the sun-set when Rohit caught the attention of a mutual fund ad placed strategically outside of the park railings. "Mutual funds are a good way to invest your money in!" says Rohit. "No! Never!" said an alarmed Virat. "I would never dream of putting my money into such an investment channel. Do you know that it's all a gamble? A sham? My wife once tried investing in such a scheme but lost all what she invested in after constantly reminding her of the consequences." Virat continued to disagreed and insisted that they were unreliable which surprised Rohit and I a lot. He left in a hurry shortly after.   How

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Choose The Type Of Mutual Funds That Suits You

Investment in mutual fund is one of the most preferable options for various reasons. The foremost reason is professionalism. You may receive lot of noise when you are buying other assets mentioned at the start of this article however they may not bring professional advice. In case of investment in mutual fund, investors are provided with the services of an experienced fund manager who handles the financial decisions based on the performance and prospects available in the market to achieve the objectives of the mutual fund scheme, the advice backed by a dedicated research team. Above all, mutual funds are required to register with SEBI (Securities Exchange Board of India) which bring transparency and regulation in investment decisions. There are different types of funds available and investor can choose the best one as per his/her financial goals. Types of mutual funds Mutual funds are a one-stop shop for all your investment needs. Needs can range from wanting to purchase a car in the next one or two years or saving towards your child's future education in the next 10 years or saving

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Age wise Financial Education for Children

When do we exactly introduce our kids to financial education? Is it when we let them keep the money they get from relatives? Or when they first plan to go out with their friends for dinner all by themselves? It’s actually much before. The time they ask (cry…scream…yell) for a toy and we as parents have to then incentivize them to getting you do something more exciting for them. Also when they want to waste their food and we tell them it’s bought from the hard earned money and we shouldn’t waste. These small habits inculcate values since their childhood. Ages 3 to 5 So, this is the time for you to first accept the fact that it’s about time for your child to get introduced to money matters. While this is the age where they are all cute and adorable, it is also the age when they understand the concept of “buying” and “money”. We need money to buy things, and we have to work to get money. This just becomes easy if you add some fun factor to this activity. Make a deal with them. They have to earn happy points with good behavior

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successful forex trading for beginners !

Forex is a world Foreign Currency Exchange, where international and government banks trade currencies. in other words Forex may be a portmanteau of foreign currency and exchange. exchange is that the process of adjusting one currency into another currency for a spread of reasons, usually for commerce, trading, or tourism. Forex, also referred to as exchange or FX trading, is that the conversion of 1 currency into another. it's one among the foremost actively traded markets within the world, with a mean daily trading volume of $5 trillion.Trading in any investment market is extremely difficult as evidenced by the very fact that the majority beginning traders lose money. However, success are often found with enough of the proper education, practice, and knowledge . Making money from exchange trading is concentrated on learning to manage risk successfully. Don’t be frightened of making split even trades. determine to guard your capital therefore the next trade can become a winner. Maintain your losses small and therefore the winnings big. So, what's currency trading and is it right

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successful forex trading and bitcoin gold trading

Forex is a world Foreign Currency Exchange, where international and government banks trade currencies. in other words Forex may be a portmanteau of foreign currency and exchange. exchange is that the process of adjusting one currency into another currency for a spread of reasons, usually for commerce, trading, or tourism. Forex, also referred to as exchange or FX trading, is that the conversion of 1 currency into another. it's one among the foremost actively traded markets within the world, with a mean daily trading volume of $5 trillion.Trading in any investment market is extremely difficult as evidenced by the very fact that the majority beginning traders lose money. However, success are often found with enough of the proper education, practice, and knowledge . Making money from exchange trading is concentrated on learning to manage risk successfully. Don’t be frightened of making split even trades. determine to guard your capital therefore the next trade can become a winner. Maintain your losses small and therefore the winnings big. So, what's currency trading and is it right

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Plan Your Retirement with Mutual Funds

Planning is essential for anyone whether it is a holiday, a birthday celebration or any other event. We live in a modern world where various amenities help us to plan and execute. Till the time you have regular source of income you need not worry much about the financial assets of those plans. However, after retirement, regular source of income could potentially vanish but expenses will remain. It is advisable that an investor starts his/her retirement planning on the first day of the job. It will add value to your planning. You can raise your investments in line with rise in income which will be beneficial for life even after retirement. You may come across various investment vehicles which may help you in financial planning, retirement planning etc. However, investment in mutual funds is one of the most diversified investment option that gives you the liberty to select investment options best suited for your financial goals. Plan your retirement with mutual funds at an early age and then enjoy the benefits of long term investments after retirement. Which is the preferred

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Redemption should not be tied with Markets Performance

Markets index may continue with their flows; as a long term investor you should not worry about day to day market levels at all. A very simple and clear advice is to remain invested till the time your financial goal is not achieved. Always remember that the decision of redemption should be connected to your investment objectives and not to market levels. Fund Managers best to manage your money in such scenario As a mutual fund investor, it is best not to worry about the market levels. Analyzing market trends and investing money accordingly is the fund manager’s job. When markets are at their peak, the need to redeem shouldn’t cross your mind. Fund managers are supposed to understand market trends better, sell the overvalued stocks and then deploy money as and when markets offer investment opportunities. Your fund manager may have booked profits on investment and is now waiting for the next suitable opportunity for further investment. Therefore, it is probably better to hold for a while before taking the next step. Fund Managers spend most of their time in research, meeting

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Redemption should not be tied with Markets Performance

Markets index may continue with their flows; as a long term investor you should not worry about day to day market levels at all. A very simple and clear advice is to remain invested till the time your financial goal is not achieved. Always remember that the decision of redemption should be connected to your investment objectives and not to market levels. Fund Managers best to manage your money in such scenario As a mutual fund investor, it is best not to worry about the market levels. Analyzing market trends and investing money accordingly is the fund manager’s job. When markets are at their peak, the need to redeem shouldn’t cross your mind. Fund managers are supposed to understand market trends better, sell the overvalued stocks and then deploy money as and when markets offer investment opportunities. Your fund manager may have booked profits on investment and is now waiting for the next suitable opportunity for further investment. Therefore, it is probably better to hold for a while before taking the next step. Fund Managers spend most of their time in research, meeting

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7 Commandments Every Mutual Fund Investor Should Know

Not too long ago we had shared with you your rights as a mutual fund investor that you could use as an investor with Quantum. You could read that article here. Knowing these rights will help you empower yourself and take good care of your investments. Moreover, there are some important things that investor needs to know. It’s said choosing a mutual fund is like choosing a spouse. Investors need to know everything about the fund before taking the leap. In order to ensure you are investing your hard earned money in a fund that is best suited to you, there are 7 commandments you must know. Know your Expense RatioWhile investing in a mutual fund is definitely not a humongous task (Yes, you read that right - to invest online with Quantum & check out our new invest online portal click here), it is important to take note of critical aspects like the expense ratio of the fund before you choose to park your hard earned money with fund houses. Since expense ratio is a charge deducted from assets, it is implied that higher the expense ratio, higher the charge on your investments.

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Fiscal Escalation: Spend, Borrow and Print

An American Investment Manager Warren Mosler, in 1970s, proposed an idea that governments which issue their own currency can spend as much as they want without any restriction and can fund that spending by printing new money. This is now known as Modern Monetary Theory (MMT). Although the concept of MMT has been around for very long, it gained popular support only recently. In the Indian context, this concept is still foreign. Nevertheless, the recent fiscal-monetary coordination exhibited in the Union Budget and the RBI’s monetary policy statement seems to have a tilt towards some form of MMT. Fiscal U-Turn After following a conservative fiscal stance for 7 years, the union government under Mr. Modi took a different turn this time. The fiscal deficit (government spending over and above revenues) in the current financial year 2020-21 raised to 9.5% of GDP against the budget aim of 3.5%. Given the pandemic shock and the economic damage caused by the lockdown, there was an expectation that the fiscal deficit would be higher than the 3.5% target which was set before the Covid crisis.

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Low Expense Ratio, High Impact on Mutual Fund Investments

Yes, Mutual Funds, in our view, are by far one of the smartest ways of investments available today. Liquid funds are your parking lots for that contingency funds (aka Emergency fund – this could be your income of 4-6 months), multi asset funds are those multi-talented funds that work as a great diversification tool when you want the best of all three asset classes – Equity, Debt and Gold. Then comes the turn to introduce you to one of the very popular investment avenues in mutual funds – Diversified Equity Mutual Funds. These are like your best friend – with you for the long-term. As a disciplined investor you should link your investments to equity mutual funds with your long-term financial goals. However, there are over 400 equity mutual funds in India today. Which one do you choose? The one from the most “famous” fund house? Or the one which your friend has invested in? Or the one that has top ratings? For starters, let us tell you that doing some homework before investing your money is necessary. Things you must look at before investing

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Why Businesses Now Need To Balance Profit With Purpose

Social media is a powerful, strategic tool with the ability to connect millions of people around the world, and shape their opinions. The current President of the United States would agree. But for businesses, it is a double-edged sword. While Instagram, Twitter and Facebook are an effective way for businesses to connect with their customers and build following, if something goes wrong, the mistake is on show for the world to see. Social media has given a voice to, and shifted power from businesses and governments, to individuals who otherwise would not be heard. Did you know that almost half (45%) of the world’s population is now on social media? (Source: Statista) People now have access to information about corporate behavior like never before. Socially conscious consumers show no restraint in sharing incidents of corporate negligence on social media. They use social media platforms to organize themselves around issues that are important to them, and strongly express their disapproval for unsustainable business practices. As per the Cone Communications 2013 Global CSR study

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Union Budget 2021: A Quantum Perspective

From the CIO   It is good to see the government focus on reviving growth. The reaction in the equity markets is a testament to that. It’s by far the best budget for equity markets. Lots of positive surprises and no major negatives. The bond markets haven’t liked the budget at all. It’s a shock. No one expected that PM Modi will agree to shed his fiscal conservatism to such an extent. Long term Bond yields have already headed higher. We would expect the RBI to also begin normalization and interest rates hikes in the coming months. Bond yields have bottomed and the best of the returns from long term bond funds are behind us. The key of course is the long-term outlook. This increase in spending over the next 4 years needs to revive growth back to at least the 7% level. If that happens, then the higher deficit will be forgiven. If not, high inflation and high deficits can cause macro instability in the years ahead. Equity View The pandemic & lockdown hit the Indian economy, in lieu of which we wanted a push for both capital & consumption in this budget. Through

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Top 5 Checks While Comparing Mutual Funds

It's a challenge to choose a mutual fund scheme! The number of mutual fund schemes available in the market would drive any investor insane to zero down on a mutual fund of his/her choice. There is an endless list of checks necessary to be done before arriving at the one mutual fund scheme that meets your requirements and has potential to give decent returns. Below are the various checks to keep in mind while comparing mutual funds: Know your fund house: Choosing a fund house in which you have sufficient faith to invest your money in is important before zeroing in on a scheme of your choice. Investors look for fund houses which can take care of their investments and can manage their money well. Objectives set by fund houses help investors to meet their goals thus securing their future. If the objectives are not met, investors lose faith in the fund house. A budding investor should ask these important questions like, "What are the fund houses' investment objectives?", and "How many schemes does the fund house offer to its investors?", "Are the funds similar under different names?",

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Redemption should not be tied with Markets Performance

A very simple and clear advice is to remain invested till the time your financial goal is not achieved. Always remember that the decision of redemption should be connected to your investment objectives and not to market levels. Fund Managers best to manage your money in such scenario As a mutual fund investor, it is best not to worry about the market levels. Analyzing market trends and investing money accordingly is the fund manager’s job. When markets are at their peak, the need to redeem shouldn’t cross your mind. Fund managers are supposed to understand market trends better, sell the overvalued stocks and then deploy money as and when markets offer investment opportunities. Your fund manager may have booked profits on investment and is now waiting for the next suitable opportunity for further investment. Therefore, it is probably better to hold for a while before taking the next step. Fund Managers spend most of their time in research, meeting with company promoters to understand their strategy and business plans which could have an impact on the performance of stocks

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Deciding the Right Balance between Risk and Returns

The one thing that is inevitable is risk – decline in value of an investment during investing. As an investor, one would need to take into consideration the different risks that one may face and how to manage it. Keeping this in mind, making wise investment choices could help diminish risk in a way that helps you reap rewards. Article content: Sometimes, even some of the best retirement plans that you’ve worked very hard at achieving are subject to certain unforeseen risks or loss. After witnessing the 2008 financial stock market meltdown, whatever retirement savings accumulated over the years could get wiped out, high inflation rates could eat away at your hard earned savings faster than you planned, with rising life expectancy raising longevity risk, people post retirement may outlive their investments and their accumulated money may not be enough to sustain the desired lifestyle due to personal situations, health care costs which are a few of the unknown. The one thing that is inevitable is risk – decline in value of an investment during investing. As an investor,

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Invest in Bitcoin Cash Trading With Direct Tradein

Bitcoin Cash trading is currently on the top of everyone’s mind owing to the very fact that cryptos are slowly gaining ground in the field and showing immense growth overall. There are numerous options for trading the crypto after the boost in Bitcoin pricing that might end up getting you a lot of money. But many of the newbies don’t know how to trade and that is where the account managers at Direct Tradein will help you with bitcoin gold trading right on the go.  You no longer need to spend hours sitting in front of the computer learning how to trade. Those days are gone. Don’t you worry and get started with trading bitcoins and you have our word that you will easily reap all the profits on the go.  If you know everything about cryptocurrencies you know there is a ton of them. Like thousands of them. Some are legitimate and substantially different (arguably better) than bitcoin, and several are pretty much just copycats trying to make a quick buck. Bitcoin cash is merely another revised cryptocurrency. But it is getting attention right now for a few reasons: Very

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