Moneywise

“Target Maturity funds help us plan our finances better. A target maturity fund will allow investors a simple and easy way to manage savings – (you) can invest in govt and public sector debt funds, bonds with a fixed maturity, and in sachet size.  If I invest in such a fund, I can reduce my taxes by getting indexation benefits (for an investment above 3 years). It’s a smarter investment option like a buffet. It also helps with liquidity, because I can withdraw in multiples of Re 1.” 

Mohit Beriwala is the CEO of Kolkata based financial advisory firm Shree Rama International and founder of Shree Rama Managers, a SEBI registered portfolio management service. In this episode of The Moneywise Podcast, Mohit explains the relevance of Target Maturity funds as an effective investment option and introduces us to the benefits provided to an investor. 

“A Flexi cap fund is not confined to certain percentages in certain market cap buckets. It can take advantage of opportunities available across the market spectrum. As you know, market prices are dynamic and companies do appreciate or depreciate in terms of value. In such cases, the market cap categorization could also change. A fund manager can continue to have his winners irrespective of such a change. It can also take advantage of value depreciation, from a long-term point of view.”

Sachin Relekar, Senior Fund Manager – Equity at IDFC AMC, is a finance expert with over 20 years of experience. He has been managing funds across the market cap spectrum and focuses on quality companies that can generate superior long-term returns. He is a CFA and also has a Masters in Management Studies from Jamnalal Bajaj Institute of Management Studies.

In this episode of The Moneywise Podcast, Sachin explains why Flexi cap funds could be an effective investment option and why investors should be paying attention to this category. 

“Mutual funds give you diversification. You have equity, debt, gold, real estate, or hybrid (a mix of everything else), and you have multiple options. You may invest via lump sum as a one-time investment, or you can do a SIP, a systematic transfer plan, or a systematic withdrawal plan...

Gone are the days when simple bank FDRs used to give high returns. The inflation these days is at levels that are catapulting our expenses into a different orbit every five years! The options to save have (also) changed and evolved. Almost every person is a saver but not every person is an investor. Putting your saving into efficiency is what converts a saver into an investor. Whatever your current earning, that should be your return from your savings.”

Bharat Bagla, Director of Bees Network, has over two decades of experience in the world of finance. He feels proud to be a ‘chief dreamer’. Bharat believes savings are extremely important, and that going from a saver to an investor opens up a whole new world for the average investor. 

For many of us, our first experience or lesson about financial wisdom came from our parents, and usually, it was dad or papa or appa who insisted we save for our future. Welcome to the Father’s Day Special on The Moneywise Podcast, where we discuss finance from the perspective of a father! 

In this episode, Brijesh Shah, Associate Vice President, Fixed Income, IDFC Asset Management Company Ltd, and father to a daughter, shares with us how he discusses money with his children, the need to inculcate the habit of investing early, positive experiences regarding finance from an early age and the mistakes some make during their investment journey. Tune in to this fascinating conversation for timeless pearls of financial wisdom and to learn how you can talk to your family about money, savings and investment. 

(An investor’s) the first allocation should be towards large-cap investing. The top 100 companies in the country can be termed as a large-cap segment. Generally, when you are in a down-cycle, or the overall market is weak due to weak macros, geopolitical tensions, or some liquidity crisis, most of the money tends to stick with the top 100 companies, because that is where...the risks are lower.

Sumit Agrawal, Senior Vice President, Fund Management Team (Equity) at IDFC Asset Management, has over a decade’s experience in the world of finance. Sumit is passionate about wealth creation and believes that sound financial advice will greatly benefit investors to achieve their financial goals.