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) - 11.839Motilal Oswal Dynamic Fund (Div-Q) - 11.6771Motilal Oswal Dynamic Fund (G) - 12.5859Motilal Oswal Dynamic Fund-Dir (Div-A) - 12.3054Motilal Oswal Dynamic Fund-Dir (Div-Q) - 11.8565Motilal Oswal Dynamic Fund-Dir (G) - 12.9963Motilal Oswal Equity Hybrid Fund - Direct (G) - 11.0068Motilal Oswal Equity Hybrid Fund - Regular (G) - 10.8409Motilal Oswal Focused 25 Fund - Direct (D) - 17.786Motilal Oswal Focused 25 Fund - Direct (G) - 24.1457Motilal Oswal Focused 25 Fund (D) - 16.0432Motilal Oswal Focused 25 Fund (G) - 22.1359Motilal Oswal Liquid Fund - Direct (Div-D) RI - 10.0077Motilal Oswal Liquid Fund - Direct (Div-F) RI - 10.0135Motilal Oswal Liquid Fund - Direct (Div-M) - 10.0589Motilal Oswal Liquid Fund - Direct (Div-Q) - 10.1278Motilal Oswal Liquid Fund - Direct (Div-W) RI - 10.0058Motilal Oswal Liquid Fund - Direct (G) - 10.4434Motilal Oswal Liquid Fund - Regular (Div-D) RI - 10.0055Motilal Oswal Liquid Fund - Regular (Div-F) RI - 10.0131Motilal Oswal Liquid Fund - Regular (Div-M) - 10.058Motilal Oswal Liquid Fund - Regular (Div-Q) - 10.1128Motilal Oswal Liquid Fund - Regular (Div-W) RI - 10.013Motilal Oswal Liquid Fund - Regular (G) - 10.4316Motilal Oswal Long Term Equity Fund (D) - 15.3822Motilal Oswal Long Term Equity Fund (G) - 17.3599Motilal Oswal Long Term Equity Fund -Dir (D) - 16.4704Motilal Oswal Long Term Equity Fund -Dir (G) - 18.4914Motilal Oswal Midcap 30 Fund (D) - 18.1836Motilal Oswal Midcap 30 Fund (G) - 25.3993Motilal Oswal Midcap 30 Fund-Dir (D) - 19.8036Motilal Oswal Midcap 30 Fund-Dir (G) - 27.2257Motilal Oswal Multicap 35 Fund (D) - 22.7694Motilal Oswal Multicap 35 Fund (G) - 25.8445Motilal Oswal Multicap 35 Fund-Dir(D) - 24.1042Motilal Oswal Multicap 35 Fund-Dir(G) - 27.2133Motilal Oswal Nasdaq 100 FOF - Direct (G) - 11.8567Motilal Oswal Nasdaq 100 FOF - Regular (G) - 11.8184Motilal Oswal Nifty 500 Fund - Direct (G) - 10.3354Motilal Oswal Nifty 500 Fund (G) - 10.3327Motilal Oswal Nifty Bank Index Fund - Direct (G) - 10.5946Motilal Oswal Nifty Bank Index Fund (G) - 10.5917Motilal Oswal Nifty Midcap 150 Index Fund (G) - 10.4321Motilal Oswal Nifty Midcap 150 Index Fund-Dir (G) - 10.4349Motilal Oswal Nifty Smallcap 250 Index Fund (G) - 10.3473Motilal Oswal Nifty Smallcap 250 Index Fund-Dir(G) - 10.3501Motilal Oswal Ultra Short Term Fund - Dir (Div-D) - 9.2243Motilal Oswal Ultra Short Term Fund - Dir (Div-F) - 9.2416Motilal Oswal Ultra Short Term Fund - Dir (Div-M) - 9.2309Motilal Oswal Ultra Short Term Fund - Dir (Div-Q) - 9.3636Motilal Oswal Ultra Short Term Fund - Dir (Div-W) - 9.2346Motilal Oswal Ultra Short Term Fund - Dir (G) - 13.0702Motilal Oswal Ultra Short Term Fund (Div-D) - 9.2277Motilal Oswal Ultra Short Term Fund (Div-F) - 9.2373Motilal Oswal Ultra Short Term Fund (Div-M) - 9.2281Motilal Oswal Ultra Short Term Fund (Div-Q) - 9.3623Motilal Oswal Ultra Short Term Fund (Div-W) - 9.231Motilal Oswal Ultra Short Term Fund (G) - 12.7096

5 key differences between savings and investing

Everyone wishes to have a financially secured future. Financial security can have various purposes from buying a house, world tour with family,child’s higher education, marriage or post retirement life. So what are you doing to secure yourself financially? Are you saving money or investing? Let’s learn 5 key differences between saving and investing and what suits you the best.

Period

Savings Vs Investing

Savings are typically for small financial objectives to be met in short periods of time, say about 1-3 years! If you’re looking forward to buy mobile phone or to go on a small domestic vacation in near future, saving might be a good option to meet such objectives. On the other hand, investing is typically a long term plan for bigger financial goals. Say you’re planning for your child’s education or wedding or your comfortable retired life which is due in about 5 or more years ahead from now, investing from now can make these goals achievable by the time of need.

Access to money

How to save and invest money India

At time of critical need of money savings serve as handy cash. You have all the access to your money in savings. You may withdraw a part of your savings or the whole amount as per your wish but at times, you end up spending money you have easy access to. In case of investing, access to your money depends on the kind of investments you make. Open ended equity mutual funds schemes allow you to redeem your investments any time.  If the investment period in equity mutual funds scheme is more than one year the capital gain is exempted from tax liabilities. Government of India also provides tax rebate for equity linked saving schemes (ELSS) u/s 80C of Income Tax Act 1961.

Risk

Risk in investing

If you have savings in reputed banks your money is safer in the bank accounts than at home. Hence risk of losing money in savings is very low compared to any investments. Besides this, your savings are also entitled to interest. Investing mediums may involve risk of possible potential returns pertaining to the term of investment or the market situations. Investing in equity market comes with an inherent risk. One might lose money if not invested in quality stocks with long term growth potential companies. Hence it is advisable to avail services of expert financial advisors. Risk in investing varies according to the channels of investments. If your money is invested in good quality companies with long term views, then short term ups and downs should not affect your outlook towards such investments. Mutual fund provides the scheme details thereby indicating the possible risk involved. Investing wisely may give returns much higher than savings in the long run.

Returns

Return in saving, returns in investing

In case you invest in bank fixed deposits, on an average, you may earn interest upto about 8-9%. Interest on savings accounts is often much lower. However, the investments in equity based mutual fund schemes carry much higher potential for long term value growth. Quality investments have higher potential returns than regular savings if compared for a long term of about 5-10 years.

Choice

Savings or investing

The right thing is to first identify your purpose. Why do you want to save or invest your money? Check whether your goals are short term or long term. It’s always wise to save money for small term goals, emergencies and casual expenses as it provides quick access. This makes it easier to meet small goals. But in the long run, consider your changing needs, limited income sources and inflation; savings may fall short for bigger financial goals. Remember you are planning for future. It’s advisable to start investing at a young age but it’s never too late. Savings are for the present and investments are for the future. Investments are made typically for bigger financial goals which may seem impossible now but would be possible in the time to come if they are wisely planned today. Investing smartly is the key to meet such goals. To conclude, your dreams don’t follow inflation rates. It is recommended to save for small term goals but investing simultaneously may make it simpler achieve your long term dreams.

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Disclaimer: Investors are advised to consult their tax advisor in view of individual nature of tax benefits. Further, tax deduction(s) available u/s 80C of the Income Tax Act, 1961 is subject to conditions specified therein. Investors are requested to note that fiscal laws may change from time to time and there can be no guarantee that the current tax position may continue in the future.

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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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