Mutual Funds

The world of finance is becoming increasingly complex by the day. The investor today has a plethora of options. Equity, debt, futures, options etc. are some of them. The complexity is further accentuated by institutionalization of markets and excessive volatility. Add to this the rapid pace of change engulfing the businesses and the impact of technology on the financial services sector, making them more difficult to understand and analyze. These developments have marginalized the retail investor. One of the option is available to the investor is mutual funds.

1. What is a Mutual Fund?
2. Which fund does one choose?
3. The methodology we follow.
4. How does one get going?

1. What is a Mutual Fund?
1. A mutual fund pools savings of large number of investors for investment by professionals. Its large corpus can help managers of the funds diversify portfolios and consequently minimize risk. The investor can hold a diversified portfolio even with a small amount to invest and can leave the task of research and analysis to experts.
   
   
2. Which fund does one choose?
1. India today has over 36 fund houses that offer over 340 different schemes and the number is growing at the rate of 10% per annum. Types of schemes range from those investing in equity (diversified, sector specific, index specific), debt (gilt, income, liquid, money market) and balanced funds. As can be seen this motley collection of funds is sure to confuse even the most savvy of investor. Complexity and confusion call for an explicit investment design.
   
   
3. The methodology we follow.
1. We interact with you to understand and also help you define your investment goal. Based on these goals we evolve an investment philosophy and strategy suitable to your requirement. We study various parameters and performance measures like returns since inception, risk-return ratio, standard deviation (volatility), average maturity profile, beta and alpha measures, Sharpe Ratio and portfolio diversification measures. Depending on your profile we invest in mutual funds and therefore structure a portfolio most appropriate for you. We see that your investment is continuously aligned with your goals and strategy from time to time. The process involves not only building a portfolio based on your financial goals but also formulating a Migration Strategy for your existing investments.
   
   
4. How does one get going?
1. We suggest a preliminary meeting to understand your investment requirements and customize an investment strategy for you. Eventually, based on your go-ahead, we proceed with the necessary formalities.

You can bank on us to ensure a healthy and disciplined growth of your money.

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