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) - 11.5211Motilal Oswal Dynamic Fund (Div-Q) - 11.3635Motilal Oswal Dynamic Fund (G) - 12.2479Motilal Oswal Dynamic Fund-Dir (Div-A) - 11.9736Motilal Oswal Dynamic Fund-Dir (Div-Q) - 11.5369Motilal Oswal Dynamic Fund-Dir (G) - 12.646Motilal Oswal Equity Hybrid Fund - Direct (G) - 10.6548Motilal Oswal Equity Hybrid Fund - Regular (G) - 10.4956Motilal Oswal Focused 25 Fund - Direct (D) - 17.1518Motilal Oswal Focused 25 Fund - Direct (G) - 23.2848Motilal Oswal Focused 25 Fund (D) - 15.4729Motilal Oswal Focused 25 Fund (G) - 21.3491Motilal Oswal Liquid Fund - Direct (Div-D) RI - 10.0077Motilal Oswal Liquid Fund - Direct (Div-F) RI - 10.008Motilal Oswal Liquid Fund - Direct (Div-M) - 10.0534Motilal Oswal Liquid Fund - Direct (Div-Q) - 10.1223Motilal Oswal Liquid Fund - Direct (Div-W) RI - 10.0096Motilal Oswal Liquid Fund - Direct (G) - 10.4377Motilal Oswal Liquid Fund - Regular (Div-D) RI - 10.0055Motilal Oswal Liquid Fund - Regular (Div-F) RI - 10.0078Motilal Oswal Liquid Fund - Regular (Div-M) - 10.0527Motilal Oswal Liquid Fund - Regular (Div-Q) - 10.1074Motilal Oswal Liquid Fund - Regular (Div-W) RI - 10.0166Motilal Oswal Liquid Fund - Regular (G) - 10.4261Motilal Oswal Long Term Equity Fund (D) - 14.7221Motilal Oswal Long Term Equity Fund (G) - 16.6149Motilal Oswal Long Term Equity Fund -Dir (D) - 15.7612Motilal Oswal Long Term Equity Fund -Dir (G) - 17.6953Motilal Oswal Midcap 30 Fund (D) - 17.2879Motilal Oswal Midcap 30 Fund (G) - 24.1482Motilal Oswal Midcap 30 Fund-Dir (D) - 18.8258Motilal Oswal Midcap 30 Fund-Dir (G) - 25.8814Motilal Oswal Multicap 35 Fund (D) - 22.052Motilal Oswal Multicap 35 Fund (G) - 25.0303Motilal Oswal Multicap 35 Fund-Dir(D) - 23.3427Motilal Oswal Multicap 35 Fund-Dir(G) - 26.3536Motilal Oswal Nasdaq 100 FOF - Direct (G) - 11.8641Motilal Oswal Nasdaq 100 FOF - Regular (G) - 11.8263Motilal Oswal Nifty 500 Fund - Direct (G) - 10.0894Motilal Oswal Nifty 500 Fund (G) - 10.0874Motilal Oswal Nifty Bank Index Fund - Direct (G) - 10.194Motilal Oswal Nifty Bank Index Fund (G) - 10.192Motilal Oswal Nifty Midcap 150 Index Fund (G) - 10.1853Motilal Oswal Nifty Midcap 150 Index Fund-Dir (G) - 10.1873Motilal Oswal Nifty Smallcap 250 Index Fund (G) - 10.3331Motilal Oswal Nifty Smallcap 250 Index Fund-Dir(G) - 10.3352Motilal Oswal Ultra Short Term Fund - Dir (Div-D) - 9.2197Motilal Oswal Ultra Short Term Fund - Dir (Div-F) - 9.237Motilal Oswal Ultra Short Term Fund - Dir (Div-M) - 9.2263Motilal Oswal Ultra Short Term Fund - Dir (Div-Q) - 9.3589Motilal Oswal Ultra Short Term Fund - Dir (Div-W) - 9.23Motilal Oswal Ultra Short Term Fund - Dir (G) - 13.0636Motilal Oswal Ultra Short Term Fund (Div-D) - 9.2231Motilal Oswal Ultra Short Term Fund (Div-F) - 9.2327Motilal Oswal Ultra Short Term Fund (Div-M) - 9.2235Motilal Oswal Ultra Short Term Fund (Div-Q) - 9.3576Motilal Oswal Ultra Short Term Fund (Div-W) - 9.2264Motilal Oswal Ultra Short Term Fund (G) - 12.7032

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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