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 5 Year G-Sec Fund of Fund (G) - 10.0217Motilal Oswal Asset Allocation Passive Fund of Fund – Aggressive (G) - 11.6363Motilal Oswal Asset Allocation Passive Fund of Fund – Aggressive-Dir (G) - 11.6763Motilal Oswal Asset Allocation Passive Fund of Fund – Conservative (G) - 11.1261Motilal Oswal Asset Allocation Passive Fund of Fund – Conservative-Dir(G) - 11.1688Motilal Oswal Dynamic Fund (Div-A) - 14.2934Motilal Oswal Dynamic Fund (Div-Q) - 12.4016Motilal Oswal Dynamic Fund (G) - 15.772Motilal Oswal Dynamic Fund-Dir (Div-A) - 14.5354Motilal Oswal Dynamic Fund-Dir (Div-Q) - 12.6335Motilal Oswal Dynamic Fund-Dir (G) - 16.7248Motilal Oswal Equity Hybrid Fund - Direct (G) - 16.5083Motilal Oswal Equity Hybrid Fund - Regular (G) - 15.7018Motilal Oswal Flexi Cap Fund(D) - 27.2133Motilal Oswal Flexi Cap Fund(G) - 36.2026Motilal Oswal Flexi Cap Fund-Dir(D) - 27.3228Motilal Oswal Flexi Cap Fund-Dir(G) - 38.8617Motilal Oswal Focused 25 Fund - Direct (D) - 22.6445Motilal Oswal Focused 25 Fund - Direct (G) - 38.6816Motilal Oswal Focused 25 Fund (D) - 20.2746Motilal Oswal Focused 25 Fund (G) - 34.5445Motilal Oswal Large and Midcap Fund - Dir (D) - 17.4052Motilal Oswal Large and Midcap Fund - Dir (G) - 17.4199Motilal Oswal Large and Midcap Fund (D) - 16.8117Motilal Oswal Large and Midcap Fund (G) - 16.8117Motilal Oswal Liquid Fund - Direct (Div-D) RI - 10.0077Motilal Oswal Liquid Fund - Direct (Div-F) RI - 10.0078Motilal Oswal Liquid Fund - Direct (Div-M) - 10.0562Motilal Oswal Liquid Fund - Direct (Div-Q) - 10.0294Motilal Oswal Liquid Fund - Direct (Div-W) RI - 10.0093Motilal Oswal Liquid Fund - Direct (G) - 11.2297Motilal Oswal Liquid Fund - Regular (Div-D) RI - 10.0055Motilal Oswal Liquid Fund - Regular (Div-F) RI - 10.0074Motilal Oswal Liquid Fund - Regular (Div-M) - 10.0547Motilal Oswal Liquid Fund - Regular (Div-Q) - 10.0283Motilal Oswal Liquid Fund - Regular (Div-W) RI - 10.0162Motilal Oswal Liquid Fund - Regular (G) - 11.1816Motilal Oswal Long Term Equity Fund (D) - 21.5252Motilal Oswal Long Term Equity Fund (G) - 27.401Motilal Oswal Long Term Equity Fund -Dir (D) - 25.7245Motilal Oswal Long Term Equity Fund -Dir (G) - 30.0141Motilal Oswal Midcap 30 Fund (D) - 26.6253Motilal Oswal Midcap 30 Fund (G) - 43.584Motilal Oswal Midcap 30 Fund-Dir (D) - 27.6105Motilal Oswal Midcap 30 Fund-Dir (G) - 47.9385Motilal Oswal Multi Asset Fund - Direct (G) - 11.0504Motilal Oswal Multi Asset Fund (G) - 10.8467Motilal Oswal Nasdaq 100 FOF - Direct (G) - 24.5725Motilal Oswal Nasdaq 100 FOF - Regular (G) - 24.2877Motilal Oswal Nifty 50 Index Fund - Direct (G) - 15.1429Motilal Oswal Nifty 50 Index Fund (G) - 15.0261Motilal Oswal Nifty 500 Fund - Direct (G) - 17.4922Motilal Oswal Nifty 500 Fund (G) - 17.2501Motilal Oswal Nifty Bank Index Fund - Direct (G) - 14.8144Motilal Oswal Nifty Bank Index Fund (G) - 14.6103Motilal Oswal Nifty Midcap 150 Index Fund (G) - 20.2801Motilal Oswal Nifty Midcap 150 Index Fund-Dir (G) - 20.5801Motilal Oswal Nifty Next 50 Index Fund - Dir (G) - 14.9702Motilal Oswal Nifty Next 50 Index Fund (G) - 14.7873Motilal Oswal Nifty Smallcap 250 Index Fund (G) - 20.9342Motilal Oswal Nifty Smallcap 250 Index Fund-Dir(G) - 21.236Motilal Oswal S&P 500 Index Fund - Direct (G) - 15.5415Motilal Oswal S&P 500 Index Fund (G) - 15.3866Motilal Oswal Ultra Short Term Fund - Dir (Div-D) - 10.0265Motilal Oswal Ultra Short Term Fund - Dir (Div-F) - 10.0505Motilal Oswal Ultra Short Term Fund - Dir (Div-M) - 10.0336Motilal Oswal Ultra Short Term Fund - Dir (Div-Q) - 10.1781Motilal Oswal Ultra Short Term Fund - Dir (Div-W) - 10.0377Motilal Oswal Ultra Short Term Fund - Dir (G) - 14.2066Motilal Oswal Ultra Short Term Fund (Div-D) - 9.9638Motilal Oswal Ultra Short Term Fund (Div-F) - 9.9746Motilal Oswal Ultra Short Term Fund (Div-M) - 9.9644Motilal Oswal Ultra Short Term Fund (Div-Q) - 10.1091Motilal Oswal Ultra Short Term Fund (Div-W) - 9.9674Motilal Oswal Ultra Short Term Fund (G) - 13.7231

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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