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) - 13.842Motilal Oswal Dynamic Fund (Div-Q) - 11.9435Motilal Oswal Dynamic Fund (G) - 14.7153Motilal Oswal Dynamic Fund-Dir (Div-A) - 14.2065Motilal Oswal Dynamic Fund-Dir (Div-Q) - 12.0592Motilal Oswal Dynamic Fund-Dir (G) - 15.4747Motilal Oswal Equity Hybrid Fund - Direct (G) - 14.5227Motilal Oswal Equity Hybrid Fund - Regular (G) - 13.9601Motilal Oswal Flexi Cap Fund(D) - 28.17Motilal Oswal Flexi Cap Fund(G) - 31.9747Motilal Oswal Flexi Cap Fund-Dir(D) - 28.3757Motilal Oswal Flexi Cap Fund-Dir(G) - 34.1167Motilal Oswal Focused 25 Fund - Direct (D) - 23.126Motilal Oswal Focused 25 Fund - Direct (G) - 33.688Motilal Oswal Focused 25 Fund (D) - 20.9003Motilal Oswal Focused 25 Fund (G) - 30.332Motilal Oswal Large and Midcap Fund - Dir (D) - 13.6907Motilal Oswal Large and Midcap Fund - Dir (G) - 13.6907Motilal Oswal Large and Midcap Fund (D) - 13.368Motilal Oswal Large and Midcap Fund (G) - 13.3679Motilal Oswal Liquid Fund - Direct (Div-D) RI - 10.0077Motilal Oswal Liquid Fund - Direct (Div-F) RI - 10.0172Motilal Oswal Liquid Fund - Direct (Div-M) - 10.0552Motilal Oswal Liquid Fund - Direct (Div-Q) - 10.0525Motilal Oswal Liquid Fund - Direct (Div-W) RI - 10.009Motilal Oswal Liquid Fund - Direct (G) - 11.0076Motilal Oswal Liquid Fund - Regular (Div-D) RI - 10.0055Motilal Oswal Liquid Fund - Regular (Div-F) RI - 10.0165Motilal Oswal Liquid Fund - Regular (Div-M) - 10.054Motilal Oswal Liquid Fund - Regular (Div-Q) - 10.0504Motilal Oswal Liquid Fund - Regular (Div-W) RI - 10.0161Motilal Oswal Liquid Fund - Regular (G) - 10.9714Motilal Oswal Long Term Equity Fund (D) - 19.9103Motilal Oswal Long Term Equity Fund (G) - 22.4702Motilal Oswal Long Term Equity Fund -Dir (D) - 21.7338Motilal Oswal Long Term Equity Fund -Dir (G) - 24.4007Motilal Oswal Midcap 30 Fund (D) - 23.3971Motilal Oswal Midcap 30 Fund (G) - 32.7513Motilal Oswal Midcap 30 Fund-Dir (D) - 24.1682Motilal Oswal Midcap 30 Fund-Dir (G) - 35.7267Motilal Oswal Multi Asset Fund - Direct (G) - 10.4386Motilal Oswal Multi Asset Fund (G) - 10.3503Motilal Oswal Nasdaq 100 FOF - Direct (G) - 20.3491Motilal Oswal Nasdaq 100 FOF - Regular (G) - 20.1673Motilal Oswal Nifty 50 Index Fund - Direct (G) - 12.4743Motilal Oswal Nifty 50 Index Fund (G) - 12.4155Motilal Oswal Nifty 500 Fund - Direct (G) - 14.158Motilal Oswal Nifty 500 Fund (G) - 14.023Motilal Oswal Nifty Bank Index Fund - Direct (G) - 13.2423Motilal Oswal Nifty Bank Index Fund (G) - 13.1165Motilal Oswal Nifty Midcap 150 Index Fund (G) - 15.6435Motilal Oswal Nifty Midcap 150 Index Fund-Dir (G) - 15.794Motilal Oswal Nifty Next 50 Index Fund - Dir (G) - 12.2687Motilal Oswal Nifty Next 50 Index Fund (G) - 12.1754Motilal Oswal Nifty Smallcap 250 Index Fund (G) - 15.3793Motilal Oswal Nifty Smallcap 250 Index Fund-Dir(G) - 15.5278Motilal Oswal S&P 500 Index Fund - Direct (G) - 12.8852Motilal Oswal S&P 500 Index Fund (G) - 12.8103Motilal Oswal Ultra Short Term Fund - Dir (Div-D) - 9.8158Motilal Oswal Ultra Short Term Fund - Dir (Div-F) - 9.8354Motilal Oswal Ultra Short Term Fund - Dir (Div-M) - 9.8228Motilal Oswal Ultra Short Term Fund - Dir (Div-Q) - 9.964Motilal Oswal Ultra Short Term Fund - Dir (Div-W) - 9.8267Motilal Oswal Ultra Short Term Fund - Dir (G) - 13.9082Motilal Oswal Ultra Short Term Fund (Div-D) - 9.8067Motilal Oswal Ultra Short Term Fund (Div-F) - 9.8172Motilal Oswal Ultra Short Term Fund (Div-M) - 9.8072Motilal Oswal Ultra Short Term Fund (Div-Q) - 9.9498Motilal Oswal Ultra Short Term Fund (Div-W) - 9.8101Motilal Oswal Ultra Short Term Fund (G) - 13.5069

Do you save or invest? Can you identify the difference?

Do you save or invest? The two of them have different levels of benefits and at the same time have different requirements. It is crucial to understand the need for investment or saving. Often interchanged in term usage, the two mean completely different things. Find out how the two terms are different from each other and which one is more beneficial.

Saving over Investing

The first type of person on the graph believes in saving more than investing. He has a short term goals and therefore is looking for short term profits. He allocates only a small amount to investments and focuses more on savings. Interest on saving accounts is often lower. Saving gives you access to ready cash when you need it as one can liquidate it in a short span of time. Saving has a lower return than investments. Saving allows for an easy access to the money and therefore the person may withdraw a part of his savings or the whole amount as per his wishes. This can prove to be unbeneficial as he can end up spending more money, since he has quick access to his savings. However, before deciding to invest or save, he needs to be clear if his approach is short term or long term. Is he looking for expenses and emergencies? Then savings is a good option. But it isn’t a smart plan for long term goals. It is like putting his money into a piggy bank, it won’t double but it will still be at a risk of being used immediately. 

Investing over Saving

The second type of person focuses largely on investing. He understands and believes that investment will give him long term benefits and therefore allots more towards investment and lesser to savings. Investing wisely may give returns higher than savings in the long run. This technique also ensures a higher growth potential than regular saving methods. He has a better understanding of the likely growth and this helps him yield larger benefits over the period of time. The investor knows that investments involve risks but with proper research and right direction from experts it can be prevented.  While planning for the future, he realizes the limited income resource and the changing needs, along with inflation; hence he invests first and saves after. Thus, making savings a part of his investment plan and not the other way. It is just like waiting for your treatment to completely heal you from a cold rather than stopping your medication midway

Do you save more or do you invest?

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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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