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) - 11.5802Motilal Oswal Dynamic Fund (Div-Q) - 11.5629Motilal Oswal Dynamic Fund (G) - 11.9982Motilal Oswal Dynamic Fund-Dir (Div-A) - 11.8374Motilal Oswal Dynamic Fund-Dir (Div-Q) - 11.7783Motilal Oswal Dynamic Fund-Dir (G) - 12.2267Motilal Oswal Focused 25 Fund - Direct (D) - 17.2062Motilal Oswal Focused 25 Fund - Direct (G) - 22.6959Motilal Oswal Focused 25 Fund (D) - 15.8164Motilal Oswal Focused 25 Fund (G) - 21.1421Motilal Oswal Long Term Equity Fund (D) - 15.9316Motilal Oswal Long Term Equity Fund (G) - 17.632Motilal Oswal Long Term Equity Fund -Dir (D) - 16.7521Motilal Oswal Long Term Equity Fund -Dir (G) - 18.4651Motilal Oswal Midcap 30 Fund (D) - 20.008Motilal Oswal Midcap 30 Fund (G) - 25.1762Motilal Oswal Midcap 30 Fund-Dir (D) - 21.2728Motilal Oswal Midcap 30 Fund-Dir (G) - 26.5476Motilal Oswal Multicap 35 Fund (D) - 24.1258Motilal Oswal Multicap 35 Fund (G) - 26.2376Motilal Oswal Multicap 35 Fund-Dir(D) - 25.1742Motilal Oswal Multicap 35 Fund-Dir(G) - 27.2904Motilal Oswal Ultra Short Term Fund - Dir (Div-D) - 10.0005Motilal Oswal Ultra Short Term Fund - Dir (Div-F) - 10.0046Motilal Oswal Ultra Short Term Fund - Dir (Div-M) - 10.0159Motilal Oswal Ultra Short Term Fund - Dir (Div-Q) - 10.0882Motilal Oswal Ultra Short Term Fund - Dir (Div-W) - 10.0043Motilal Oswal Ultra Short Term Fund - Dir (G) - 13.8563Motilal Oswal Ultra Short Term Fund (Div-D) - 10.0111Motilal Oswal Ultra Short Term Fund (Div-F) - 10.0038Motilal Oswal Ultra Short Term Fund (Div-M) - 10.0146Motilal Oswal Ultra Short Term Fund (Div-Q) - 10.0927Motilal Oswal Ultra Short Term Fund (Div-W) - 10.0049Motilal Oswal Ultra Short Term Fund (G) - 13.4972

Investment over indulgence? What’s your preference?

It is crucial to understand the importance of investing before spending. They both provide gains but it is necessary to understand the pattern of your spending cycle in order to invest wisely and yield higher benefits from your investments. Find out the benefits of the two and make the right choice. 

Spending before investing

There are some who believe in spending their earnings lavishly and invest whatever they are left with in the end. This is the first kind of person and is looking for short term satisfaction or short term gains. Spending more than investing will give you immediate satisfaction in the form of the purchased goods or service but it will not hold benefits or add value to your long –term financial goals. This type of person does not have discipline of saving or investing which one inculcates from his early days. His investment concentration is far lesser than his spending pattern. It can be explained simply with this example: When he comes to own a bag of seeds, this person chooses to eat it instead of planting them. 

Investing before spending

The other type of person plans out smartly. He invests first and then spends the remaining sum. He understands the importance of having future goals. He sets them as priority and makes sure his investment concentration is more than saving. He makes a conscious decision to invest a certain amount in various financial instruments while having a minimal expenditure margin. He has the sound knowledge that future expenses partly depends on his current financial plans and change of income in the future. He has the absolute understanding of changing lifestyle expenses and income in the future and safeguards himself by investing more than spending. It can be explained simply with this example: When this person owns a bag of seeds, he chooses to plant it for future benefits.

Do you invest first or spend?

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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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