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) - 12.6324Motilal Oswal Dynamic Fund (Div-Q) - 12.4094Motilal Oswal Dynamic Fund (G) - 13.4294Motilal Oswal Dynamic Fund-Dir (Div-A) - 13.1969Motilal Oswal Dynamic Fund-Dir (Div-Q) - 12.3596Motilal Oswal Dynamic Fund-Dir (G) - 13.9379Motilal Oswal Equity Hybrid Fund - Direct (G) - 12.1864Motilal Oswal Equity Hybrid Fund - Regular (G) - 11.9214Motilal Oswal Focused 25 Fund - Direct (D) - 20.0091Motilal Oswal Focused 25 Fund - Direct (G) - 27.1638Motilal Oswal Focused 25 Fund (D) - 17.9593Motilal Oswal Focused 25 Fund (G) - 24.7798Motilal Oswal Large and Midcap Fund - Dir (D) - 11.3566Motilal Oswal Large and Midcap Fund - Dir (G) - 11.3566Motilal Oswal Large and Midcap Fund (D) - 11.2898Motilal Oswal Large and Midcap Fund (G) - 11.2897Motilal Oswal Liquid Fund - Direct (Div-D) RI - 10.0077Motilal Oswal Liquid Fund - Direct (Div-F) RI - 10.0121Motilal Oswal Liquid Fund - Direct (Div-M) - 10.0565Motilal Oswal Liquid Fund - Direct (Div-Q) - 10.0737Motilal Oswal Liquid Fund - Direct (Div-W) RI - 10.0137Motilal Oswal Liquid Fund - Direct (G) - 10.6536Motilal Oswal Liquid Fund - Regular (Div-D) RI - 10.0055Motilal Oswal Liquid Fund - Regular (Div-F) RI - 10.0118Motilal Oswal Liquid Fund - Regular (Div-M) - 10.0556Motilal Oswal Liquid Fund - Regular (Div-Q) - 10.3125Motilal Oswal Liquid Fund - Regular (Div-W) RI - 10.0206Motilal Oswal Liquid Fund - Regular (G) - 10.6349Motilal Oswal Long Term Equity Fund (D) - 17.2981Motilal Oswal Long Term Equity Fund (G) - 19.5221Motilal Oswal Long Term Equity Fund -Dir (D) - 18.6215Motilal Oswal Long Term Equity Fund -Dir (G) - 20.9065Motilal Oswal Midcap 30 Fund (D) - 20.7841Motilal Oswal Midcap 30 Fund (G) - 29.0316Motilal Oswal Midcap 30 Fund-Dir (D) - 22.7421Motilal Oswal Midcap 30 Fund-Dir (G) - 31.2656Motilal Oswal Multicap 35 Fund (D) - 24.412Motilal Oswal Multicap 35 Fund (G) - 27.7089Motilal Oswal Multicap 35 Fund-Dir(D) - 25.9337Motilal Oswal Multicap 35 Fund-Dir(G) - 29.2788Motilal Oswal Nasdaq 100 FOF - Direct (G) - 14.6275Motilal Oswal Nasdaq 100 FOF - Regular (G) - 14.5559Motilal Oswal Nifty 50 Index Fund - Direct (G) - 9.8403Motilal Oswal Nifty 50 Index Fund (G) - 9.8335Motilal Oswal Nifty 500 Fund - Direct (G) - 11.1547Motilal Oswal Nifty 500 Fund (G) - 11.1215Motilal Oswal Nifty Bank Index Fund - Direct (G) - 11.2831Motilal Oswal Nifty Bank Index Fund (G) - 11.2494Motilal Oswal Nifty Midcap 150 Index Fund (G) - 11.7475Motilal Oswal Nifty Midcap 150 Index Fund-Dir (G) - 11.7823Motilal Oswal Nifty Next 50 Index Fund - Dir (G) - 10.103Motilal Oswal Nifty Next 50 Index Fund (G) - 10.0919Motilal Oswal Nifty Smallcap 250 Index Fund (G) - 11.4598Motilal Oswal Nifty Smallcap 250 Index Fund-Dir(G) - 11.4943Motilal Oswal Ultra Short Term Fund - Dir (Div-D) - 9.4291Motilal Oswal Ultra Short Term Fund - Dir (Div-F) - 9.4468Motilal Oswal Ultra Short Term Fund - Dir (Div-M) - 9.4359Motilal Oswal Ultra Short Term Fund - Dir (Div-Q) - 9.5715Motilal Oswal Ultra Short Term Fund - Dir (Div-W) - 9.4396Motilal Oswal Ultra Short Term Fund - Dir (G) - 13.3603Motilal Oswal Ultra Short Term Fund (Div-D) - 9.4326Motilal Oswal Ultra Short Term Fund (Div-F) - 9.4423Motilal Oswal Ultra Short Term Fund (Div-M) - 9.433Motilal Oswal Ultra Short Term Fund (Div-Q) - 9.5702Motilal Oswal Ultra Short Term Fund (Div-W) - 9.4359Motilal Oswal Ultra Short Term Fund (G) - 12.9918

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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Mutual Fund investments are subject to market risks, read all scheme related documents carefully

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