Quantum Direct Investor Information Initiative

Investing Wisely for a Comfortable Future Thursday, Mar 02, 2017

A New Financial year is around the corner! To avoid a last minute scramble to manage your money, it’s always better to start appropriate money management well in advance. Seems like a daunting task to many, which is why so many avoid it until it’s far too late, that is a myth- as simple as identifying where you spend your money today and developing a constructive plan for where you want your money to go in the future. We can’t stress how important it is to set concrete goals in advance to help you visualize and ultimately achieve your long-term financial desires.

Your financial goals need to be distinct or specific in nature. For example, say my goal for my old age is to save Rs. 50,00,000 by the age of 60; that’s great, but aspiring to be rich is a mere wish. Ideally you should divide your goals into three ‘savings buckets’: short-term goals (accomplishable within a year), mid-term goals (accomplishable within one to five years), and long-term goals (accomplishable in five-plus years).

Short-term goals usually span between one to two years. You can easily invest your money in a savings account to accumulate a small amount of interest – hopefully not erased by inflation - thereby having enough money for that mobile or laptop that you wanted to buy. Mid-term goals are more or less like short-term goals with the added condition that you’d need the discipline to stay put for a little longer, between say two to five years.

Investments into equity mutual funds usually fall into the category of long-term goals. Parking your money in such investments has the possibility to generate tremendous benefits after five-plus years. With equity funds it’s important to have an idea of where you want to be several years down the line. By all means periodically check the progress, and keep tabs on funds that may be straying from their stated purpose. The important thing, though, is not to fall victim to constantly checking the value of your holdings, or else you’ll be compelled to take action when you’d often have been better off doing nothing at all.

Your day job is time-consuming enough, and the complexities of money management – if you had to pick stocks on your own – could be a second job in itself! The beauty of mutual funds is that they provide professional management services to individual investors, almost like giving you a full-time assistant to make decisions for you; you just decide which funds you like. Diversification benefits are key: if you wanted to invest Rs. 1,000 diversified across thirty stocks, the transaction costs may alone would eat up a tremendous amount of your capital (not to mention your time!). In a mutual fund you get the benefit of effectively having spread that small amount of funds across many different investments in one transaction. On top of that, mutual funds offer diversification across asset classes, so you can invest in equities, gold or debt. If you’re itching to know which companies’ shares you own, merely check the monthly fact sheet to get a good idea. At Quantum Mutual Fund, our process leads to very low “turnover”, or trading, of the portfolio, so the stocks in the portfolio typically look quite similar from one month to the next, which is a good thing for you!

Quantum Mutual Fund has 9 funds representing all 3 fund categories discussed above. At Quantum we don't believe in selling our funds to investors; we want our investors to actively choose to buy us. Our goal is to educate investors on various considerations of investing, impart the Quantum philosophy to them (with our focus on Honesty, Transparency, and Performance), and provide them a low-cost method of accessing the markets. If an investor feels a synergy between Quantum as a fund house and the investor’s own values, then we'd love for them to join the growing ranks of our investors.

Our “We don’t sell; you buy” philosophy has always helped us win the trust of our investors. We know thinking about investing is stressful for you, and we want to take that stress out of the process for you. We want to leave you with the peace of mind that your money is being competently and ethically managed so that you can close your eyes and see your long-term money management plan come to fruition!

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Disclaimer, Statutory Details & Risk Factors:

The views expressed here in this article are for general information and reading purpose only and do not constitute any guidelines and recommendations on any course of action to be followed by the reader. Quantum AMC / Quantum Mutual Fund is not guaranteeing / offering / communicating any indicative yield on investments made in the scheme(s). The views are not meant to serve as a professional guide / investment advice / intended to be an offer or solicitation for the purchase or sale of any financial product or instrument or mutual fund units for the reader. The article 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 solicited based upon the information provided herein, due care has been taken to ensure that the facts are accurate and views given are fair and reasonable as on date. Readers of this article should rely on information/data arising out of their own investigations and advised to seek independent professional advice and arrive at an informed decision before making any investments.

Mutual fund investments are subject to market risks read all scheme related documents carefully.

Please visit – www.QuantumMF.com to read scheme specific risk factors. Investors in the Scheme(s) are not being offered a guaranteed or assured rate of return and there can be no assurance that the schemes objective will be achieved and the NAV of the scheme(s) may go up and down depending upon the factors and forces affecting securities market. Investment in mutual fund units involves investment risk such as trading volumes, settlement risk, liquidity risk, default risk including possible loss of capital. Past performance of the sponsor / AMC / Mutual Fund does not indicate the future performance of the Scheme(s). Statutory Details: Quantum Mutual Fund (the Fund) has been constituted as a Trust under the Indian Trusts Act, 1882. Sponsor: Quantum Advisors Private Limited. (liability of Sponsor limited to Rs. 1,00,000/-) Trustee: Quantum Trustee Company Private Limited. Investment Manager: Quantum Asset Management Company Private Limited. The Sponsor, Trustee and Investment Manager are incorporated under the Companies Act, 1956.

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