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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MOSt Focused Dynamic Equity - Direct Plan – Annually Dividend - 12.0577MOSt Focused Dynamic Equity - Direct Plan – Quarterly Dividend - 12.1441MOSt Focused Dynamic Equity - Regular Plan – Annually Dividend - 11.8648MOSt Focused Dynamic Equity - Regular Plan – Quarterly Dividend - 11.9218MOSt Focused 25 Fund- Direct Plan (D) - 19.9042MOSt Focused 25 Fund- Direct Plan (G) - 23.6535MOSt Focused 25 Fund-(D) - 18.5348MOSt Focused 25 Fund-(G) - 22.1333MOSt Focused Long Term (D) - 17.7719MOSt Focused Long Term (G) - 18.4005MOSt Focused Long Term- Direct Plan(D) - 18.558MOSt Focused Long Term- Direct Plan(G) - 19.1937MOSt Focused Midcap 30- Direct Plan(D) - 25.0224MOSt Focused Midcap 30- Direct Plan(G) - 28.4678MOSt Focused Midcap 30(D) - 23.7621MOSt Focused Midcap 30(G) - 27.111MOSt Focused Multicap 35- Direct Plan(D) - 28.2914MOSt Focused Multicap 35- Direct Plan(G) - 28.6402MOSt Focused Multicap 35(D) - 27.2712MOSt Focused Multicap 35(G) - 27.6188MOSt Ultra Short Term Bond Fund-Direct Plan-Fortnightly Dividend Option - 10.0048MOSt Ultra Short Term Bond Fund-Direct Plan-Monthly Dividend Option - 10.0199MOSt Ultra Short Term Bond Fund-Direct Plan-Quarterly Dividend Option - 10.0407MOSt Ultra Short Term Bond Fund-Direct Plan-Weekly Dividend Option - 10.0075MOSt Ultra Short Term Bond Fund-Regular Plan-Fortnightly Dividend Option - 10.0023MOSt Ultra Short Term Bond Fund-Direct Plan- Growth - 13.5785MOSt Ultra Short Term Bond Fund-Direct Plan-Daily Dividend Option - 10.0008MOSt Ultra Short Term Bond Fund-Regular Plan- Growth - 13.2471MOSt Ultra Short Term Bond Fund-Regular Plan-Daily Dividend Option - 10.0109MOSt Ultra Short Term Bond Fund-Regular Plan-Monthly Dividend Payout - 10.0191MOSt Ultra Short Term Bond Fund-Regular Plan-Quarterly Dividend Payout - 10.0488MOSt Ultra Short Term Bond Fund-Regular Plan-Weekly Dividend Option - 10.0072Motilal Oswal Most Focused Dyn Eq Fund (G) - 12.1348Motilal Oswal Most Focused Dynamic Equity Fund-Dir (Div-A) - 12.3283

5 Key factors that have a bad impact on your financial stability

All of us love luxury and things coming to us easily, and who would ever like to step out of their comfort zone. As comfort creatures we are, we want all things new and fancy and hardly ever take a moment to think whether or not we really require it. Not just that, we incessantly cater to our bad lifestyle, and evidently mess our finance cycle and still do nothing about it. That could be because, either we just don’t care or we’re too ignorant. Read more to know more on the 5 factors that cause financial instability;

Out of sight, out of mind

Causes of Financial Instability

Very often, we tend to forget things that are too little or less visible, however, these little things pile on and eventually come to us as a rude shock. Failing to track small expenses is a bad influence on our finances. These small expenses comprise of commodities or services that are unwanted, passive and lying idle for quite some time. For instance, the Value Added Services on our mobile number like Caller Tune services or the Gym membership that was long forgotten is billed every month, drilling a hole in our pockets. To combat this, thoroughly analyze all the bills and rule out the unnecessary services or products. It’s very important to fix the leakage, because a small leak can sink the ship.

Budget for the best

Financial crisis and how to avoid them

Being financially unstable can be ascribed to our failure of maintaining a budget. One should know the cash flow, in terms of the money earmarked as savings, investments, daily requirements etc. By doing this, one can very conveniently keep a track of the expenditure, avoid loopholes, prevent financial decline and also, easily focus on investments. Set up a monthly limit and jot down every penny you spend; you could alternatively take notes on your phone or maintain an Excel sheet. So, when you save enough you can further concentrate on doubling the money by investing it wisely. Financial solidity relies on efficient allocation of funds, not a Herculean task.

Plastic, far-far away

Reckless spending is usually unplanned, and often, we use plastic more than paper to cover the costs. This is clear; your credit card may appear to be our loyal companion when you run out of cash, but that’s an indirect trick to make you lose more money. Credit/Debit cards are very handy while traveling or urgent requirement, however it can be equally hazardous to your financial wellbeing. One doesn’t realize this until the arrival of the credit card payment bill at your doorstep. This is because with every card purchase, you have a certain amount of interest building up. Also, a late EMI payment results in an increased rate of interest. And to top it all, you don’t read your card statements either. Literally, in the red, isn’t it?

When in debt, don't fret

It’s good to clear your debts in time; it shouldn’t be taken as an encouragement to take more loans. Usually, unstable financial conditions are due to excessive debt clusters that one gets into unknowingly. It has a close connect with binge spending. Being mired in debts is also due to unorganized debt planning. One has to break the vicious cycle by creating a structure to clear debts within a stipulated period of time and by paying off amounts that don’t pinch the wallet.

Binge spending that impinge

There can never be a solid justification for buying new and expensive things every time. It’s alright if you give in to your whims once in a while, but its impulse spending that impinges on your financial stability. Not only does it mess your budget but also strays you away from achieving your financial goals. If you’re the kind of person who ends up buying anything or everything that made you gasp while window shopping, then it’s about time you hold it.

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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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