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) - 12.6207Motilal Oswal Dynamic Fund (Div-Q) - 11.8219Motilal Oswal Dynamic Fund (G) - 13.4169Motilal Oswal Dynamic Fund-Dir (Div-A) - 12.8635Motilal Oswal Dynamic Fund-Dir (Div-Q) - 11.7794Motilal Oswal Dynamic Fund-Dir (G) - 14.0127Motilal Oswal Equity Hybrid Fund - Direct (G) - 11.7221Motilal Oswal Equity Hybrid Fund - Regular (G) - 11.3746Motilal Oswal Focused 25 Fund - Direct (D) - 17.3657Motilal Oswal Focused 25 Fund - Direct (G) - 25.2969Motilal Oswal Focused 25 Fund (D) - 15.8019Motilal Oswal Focused 25 Fund (G) - 22.9329Motilal Oswal Large and Midcap Fund - Dir (D) - 9.6211Motilal Oswal Large and Midcap Fund - Dir (G) - 9.6211Motilal Oswal Large and Midcap Fund (D) - 9.4864Motilal Oswal Large and Midcap Fund (G) - 9.4864Motilal Oswal Liquid Fund - Direct (Div-D) RI - 10.0077Motilal Oswal Liquid Fund - Direct (Div-F) RI - 10.0141Motilal Oswal Liquid Fund - Direct (Div-M) - 10.0346Motilal Oswal Liquid Fund - Direct (Div-Q) - 10.0369Motilal Oswal Liquid Fund - Direct (Div-W) RI - 10.0104Motilal Oswal Liquid Fund - Direct (G) - 10.8271Motilal Oswal Liquid Fund - Regular (Div-D) RI - 10.0055Motilal Oswal Liquid Fund - Regular (Div-F) RI - 10.0134Motilal Oswal Liquid Fund - Regular (Div-M) - 10.0344Motilal Oswal Liquid Fund - Regular (Div-Q) - 10.0321Motilal Oswal Liquid Fund - Regular (Div-W) RI - 10.0173Motilal Oswal Liquid Fund - Regular (G) - 10.8007Motilal Oswal Long Term Equity Fund (D) - 14.3895Motilal Oswal Long Term Equity Fund (G) - 16.2396Motilal Oswal Long Term Equity Fund -Dir (D) - 15.5877Motilal Oswal Long Term Equity Fund -Dir (G) - 17.5004Motilal Oswal Midcap 30 Fund (D) - 16.6533Motilal Oswal Midcap 30 Fund (G) - 23.3113Motilal Oswal Midcap 30 Fund-Dir (D) - 17.0742Motilal Oswal Midcap 30 Fund-Dir (G) - 25.24Motilal Oswal Multicap 35 Fund (D) - 22.2765Motilal Oswal Multicap 35 Fund (G) - 25.2852Motilal Oswal Multicap 35 Fund-Dir(D) - 22.3269Motilal Oswal Multicap 35 Fund-Dir(G) - 26.8441Motilal Oswal Nasdaq 100 FOF - Direct (G) - 17.573Motilal Oswal Nasdaq 100 FOF - Regular (G) - 17.455Motilal Oswal Nifty 50 Index Fund - Direct (G) - 9.1508Motilal Oswal Nifty 50 Index Fund (G) - 9.128Motilal Oswal Nifty 500 Fund - Direct (G) - 10.2529Motilal Oswal Nifty 500 Fund (G) - 10.1921Motilal Oswal Nifty Bank Index Fund - Direct (G) - 7.8468Motilal Oswal Nifty Bank Index Fund (G) - 7.8008Motilal Oswal Nifty Midcap 150 Index Fund (G) - 10.5744Motilal Oswal Nifty Midcap 150 Index Fund-Dir (G) - 10.6373Motilal Oswal Nifty Next 50 Index Fund - Dir (G) - 9.5102Motilal Oswal Nifty Next 50 Index Fund (G) - 9.4723Motilal Oswal Nifty Smallcap 250 Index Fund (G) - 9.9739Motilal Oswal Nifty Smallcap 250 Index Fund-Dir(G) - 10.0337Motilal Oswal S&P 500 Index Fund - Direct (G) - 11.2207Motilal Oswal S&P 500 Index Fund (G) - 11.1992Motilal Oswal Ultra Short Term Fund - Dir (Div-D) - 9.6402Motilal Oswal Ultra Short Term Fund - Dir (Div-F) - 9.6583Motilal Oswal Ultra Short Term Fund - Dir (Div-M) - 9.6471Motilal Oswal Ultra Short Term Fund - Dir (Div-Q) - 9.7858Motilal Oswal Ultra Short Term Fund - Dir (Div-W) - 9.6509Motilal Oswal Ultra Short Term Fund - Dir (G) - 13.6594Motilal Oswal Ultra Short Term Fund (Div-D) - 9.6437Motilal Oswal Ultra Short Term Fund (Div-F) - 9.654Motilal Oswal Ultra Short Term Fund (Div-M) - 9.6442Motilal Oswal Ultra Short Term Fund (Div-Q) - 9.7844Motilal Oswal Ultra Short Term Fund (Div-W) - 9.6471Motilal Oswal Ultra Short Term Fund (G) - 13.2826

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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