Motilal Oswal Asset Management Company Ltd. (MOAMC) is a public limited company incorporated under the Companies Act, 1956 on November 14, 2008, having its Registered Office at 10th Floor, Motilal Oswal Tower, Rahimtullah Sayani Road, Opposite Parel ST Depot, Prabhadevi, Mumbai - 400025.
Motilal Oswal Asset Management Company Ltd. has been appointed as the Investment Manager to Motilal Oswal Mutual Fund by the Trustee vide Investment Management Agreement (IMA) dated May 21, 2009, executed between Motilal Oswal Trustee Company Ltd. and Motilal Oswal Asset Management Company Ltd.
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Motilal Oswal Dynamic Fund (Div-A) - 12.4176Motilal Oswal Dynamic Fund (Div-Q) - 12.1984Motilal Oswal Dynamic Fund (G) - 13.2011Motilal Oswal Dynamic Fund-Dir (Div-A) - 12.9621Motilal Oswal Dynamic Fund-Dir (Div-Q) - 12.1396Motilal Oswal Dynamic Fund-Dir (G) - 13.6899Motilal Oswal Equity Hybrid Fund - Direct (G) - 11.8599Motilal Oswal Equity Hybrid Fund - Regular (G) - 11.6147Motilal Oswal Focused 25 Fund - Direct (D) - 19.6033Motilal Oswal Focused 25 Fund - Direct (G) - 26.6128Motilal Oswal Focused 25 Fund (D) - 17.6091Motilal Oswal Focused 25 Fund (G) - 24.2965Motilal Oswal Large and Midcap Fund - Dir (D) - 11.0957Motilal Oswal Large and Midcap Fund - Dir (G) - 11.0957Motilal Oswal Large and Midcap Fund (D) - 11.0427Motilal Oswal Large and Midcap Fund (G) - 11.0427Motilal Oswal Liquid Fund - Direct (Div-D) RI - 10.0077Motilal Oswal Liquid Fund - Direct (Div-F) RI - 10.008Motilal Oswal Liquid Fund - Direct (Div-M) - 10.0688Motilal Oswal Liquid Fund - Direct (Div-Q) - 10.042Motilal Oswal Liquid Fund - Direct (Div-W) RI - 10.0096Motilal Oswal Liquid Fund - Direct (G) - 10.6201Motilal Oswal Liquid Fund - Regular (Div-D) RI - 10.0055Motilal Oswal Liquid Fund - Regular (Div-F) RI - 10.0078Motilal Oswal Liquid Fund - Regular (Div-M) - 10.0674Motilal Oswal Liquid Fund - Regular (Div-Q) - 10.2799Motilal Oswal Liquid Fund - Regular (Div-W) RI - 10.0166Motilal Oswal Liquid Fund - Regular (G) - 10.6025Motilal Oswal Long Term Equity Fund (D) - 17.085Motilal Oswal Long Term Equity Fund (G) - 19.2816Motilal Oswal Long Term Equity Fund -Dir (D) - 18.3766Motilal Oswal Long Term Equity Fund -Dir (G) - 20.6315Motilal Oswal Midcap 30 Fund (D) - 20.2806Motilal Oswal Midcap 30 Fund (G) - 28.3283Motilal Oswal Midcap 30 Fund-Dir (D) - 22.1749Motilal Oswal Midcap 30 Fund-Dir (G) - 30.4858Motilal Oswal Multicap 35 Fund (D) - 23.9072Motilal Oswal Multicap 35 Fund (G) - 27.136Motilal Oswal Multicap 35 Fund-Dir(D) - 25.3828Motilal Oswal Multicap 35 Fund-Dir(G) - 28.6568Motilal Oswal Nasdaq 100 FOF - Direct (G) - 13.7245Motilal Oswal Nasdaq 100 FOF - Regular (G) - 13.6608Motilal Oswal Nifty 50 Index Fund - Direct (G) - 9.8724Motilal Oswal Nifty 50 Index Fund (G) - 9.8682Motilal Oswal Nifty 500 Fund - Direct (G) - 11.1976Motilal Oswal Nifty 500 Fund (G) - 11.169Motilal Oswal Nifty Bank Index Fund - Direct (G) - 11.2491Motilal Oswal Nifty Bank Index Fund (G) - 11.2204Motilal Oswal Nifty Midcap 150 Index Fund (G) - 11.7316Motilal Oswal Nifty Midcap 150 Index Fund-Dir (G) - 11.7616Motilal Oswal Nifty Next 50 Index Fund - Dir (G) - 10.1914Motilal Oswal Nifty Next 50 Index Fund (G) - 10.1845Motilal Oswal Nifty Smallcap 250 Index Fund (G) - 11.6173Motilal Oswal Nifty Smallcap 250 Index Fund-Dir(G) - 11.6472Motilal Oswal Ultra Short Term Fund - Dir (Div-D) - 9.3972Motilal Oswal Ultra Short Term Fund - Dir (Div-F) - 9.4148Motilal Oswal Ultra Short Term Fund - Dir (Div-M) - 9.4039Motilal Oswal Ultra Short Term Fund - Dir (Div-Q) - 9.5391Motilal Oswal Ultra Short Term Fund - Dir (Div-W) - 9.4077Motilal Oswal Ultra Short Term Fund - Dir (G) - 13.3151Motilal Oswal Ultra Short Term Fund (Div-D) - 9.4007Motilal Oswal Ultra Short Term Fund (Div-F) - 9.4104Motilal Oswal Ultra Short Term Fund (Div-M) - 9.4011Motilal Oswal Ultra Short Term Fund (Div-Q) - 9.5378Motilal Oswal Ultra Short Term Fund (Div-W) - 9.404Motilal Oswal Ultra Short Term Fund (G) - 12.9478

5 key consequences of delay in investing

There is a lot of said and done about investing. It is an ocean, everyone can enjoy you need not be a sailor. But some just wet their feet in the water and some stay away just admiring the waves. Those who admire the waters and wish to experience the sea must stop wasting time by the bay and should enjoy the waves early. Now since you wish to get into the waters, delaying to act results in missing out the fun. Similarly, if you have already decided to invest, why miss out on good returns by delaying? Let’s learn the 5 key consequences of delay in investing.

Weaker returns

Reasons Why You Should Not Delay in Investing

Consider Mr. X is 21 years old and Mr. Y is 41. Both of them invest an amount of Rs. 12,000 per annum (i.e.Rs.1,000 per month) for 20 years. Considering the 20% CAGR returns, their money grows upto about Rs. 26,88,307/- Now Mr. Y is 61 years old while Mr. X is at 41, the age where Mr. Y started to invest. If Mr. X continues to invest the same amount, considering the CAGR to be 20% by the age of 61 years his returns would be Rs. 10,57,51,552/-

Comparatively Higher investments

Invest while you are young

Now let’s take another example, consider your colleague starts investing Rs. 1000 per month for 10 years (i.e. Rs 12,000 per annum)and his money starts growing at 20% CAGR by the 5th year, he/she would have invested Rs. 60,000/- which would have grown upto Rs. 1,07,159/- Now looking at his/her money grow, eventually you decide to invest double the amount (i.e. Rs 2,000 per month) for next 5 years. Both of you would be investing the same amount altogether but considering the constant CAGR you would make Rs. 1,49,018/- while your colleague would have made Rs. 3,85,805/- by magic of compounding. You may have to invest more than 3 times of his/her monthly investments to get closer to your colleague’s returns.

Change of risk appetite

risk in investing

Generally, you have higher risk appetite at the young age. With the passage of time, your responsibilities grow and financial planning may suffer in the future. It is recommended to invest at the young age so that the returns could be higher by the time of requirements. Later on, if invested late when the risk appetite lowers due to the newer financial goals and other responsibilities, your investments may get overshadowed.

Change in expense priorities

why should you invest in young age

Do you consider your rising expenses, financial goals and inflation in the times to come? Rising inflation lowers down the value of rupee over the period of time. Simultaneously, your expense priority would change according to changing lifestyles and necessities. Your future expenses partly depend on your current financial plans and change of income in the future.

Missing on saving vs. investing benefits

Savings or investing, save or invest

If your money is in savings, it’s great! Savings are good options for immediate or short term plans. Your money may grow at certain rate of interest which can be withdrawn according to your short term needs. But investing your money for long run makes it easier to achieve your goals which may seem difficult by just savings. Investing often delivers much higher percentage of returns than savings do. Yes, it does involve risk but if invested early and correctly, the potential returns may help you enjoy the bigger goals in the ocean of investing.

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Disclaimer:

The illustrations are used to explain the concept and should not be used for development or implementation of an investment strategy.

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Disclaimer:The information herein alone is not sufficient and should not be used for the development or implementation of an investment strategy and shall not constitute as an investment advice. MOAMC shall not be liable for any direct or indirect loss arising from the use of any information contained in this document. Readers shall be fully responsible for any decision taken on the basis of this document. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

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Mutual Fund investments are subject to market risks, read all scheme related documents carefully

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