#sbi mutual fund news

[businessskibat]

SBI Mutual Fund 2025 सिर्फ् ₹2000 कि Investment से बन सकता है 14 लाख रुपया ,क्या है तरीके

SBI Mutual Fund 2025 :क्या आप जानते हैं कि सिर्फ दो हजार रुपये प्रति महीने का निवेश आपको 13 लाख रुपये से अधिक का पैसा दे सकता है? SBI Flexicap Fund Direct Growth के इस बेहतरीन प्लान को जानें और अपने सपनों को साकार करने के लिए तैयार हो जाएं। अब शुरू करें,SBI Flexicap Fund Direct Growth, अगर आप म्यूचुअल फंड में निवेश करने की सोच रहे हैं, एक अच्छा विकल्प हो सकता है। लंबे समय से निवेशकों ने स्थिरता…

[news365timesindia]

[ad_1] By Anjali Sharma WASHINGTON – The Report issued on Sunday showed that women investors in the Indian mutual fund industry, especially from the smaller cities and towns, have grown more than 2.5 times (year-on-year) on average amid the boom in the stock market, a report showed on Saturday. Women’s financial inclusion is increasing across urban and emerging regions and tier 4 cities saw a whopping over 140 per cent growth in women’s participation in the MF market, according to data shared by online brokerage Groww. Lalit Keshre, Co-founder and CEO, Groww, posted on X on Saturday said “While we had amazing growth across all segments in 2024, two segments stood out. Rise of women investors – number has doubled this year. And the number of portfolios with size greater than 1 crore tripled this year”. The women’s participation in MFs saw more than 100 per cent growth in Metro, tier 1, 2 and 3 cities. The cities with the highest number of women MF investors are Delhi, Mumbai and Kolkata (Metro) and Pune, Lucknow, Nagpur, Ahmedabad and Jaipur (Non-Metro). “Women’s SIP contributions are 25 per cent higher than men’s, and female SIP investors now make up one in four (compared to one in five last year),” the data showed. When it comes to monthly SIP contribution, the average ticket size is Rs 2,500 (indicating a focus on long-term wealth). Women SIP investors, 50 per cent are less than 30 years of age, followed by 33 per cent in the 30-40 year bracket and 17 per cent are age 40 and above. The Indian mutual fund industry saw a meteoric rise in 2024, as the assets under management of all MF schemes increased by more than Rs 17 lakh crore this year. According to data from the Association of Mutual Funds in India, the mutual fund industry’s AUM was Rs 68 lakh crore at the end of November 2024, which is Rs 17.22 lakh crore or 33 per cent more than the December 2023 figure of Rs 50.78 lakh crore. National Stock Exchange data showed a record 42,76,207 investors joined the Indian stock market in November. The latest SBI Research report said that India is witnessing at least 30 million new demat accounts being opened every year since 2021. The post Role of Indian women investors in mutual fund industry grow 2.5 times in 2024 appeared first on Global Governance News- Asia's First Bilingual News portal for Global News and Updates. [ad_2] Source link

[news365times]

[ad_1] By Anjali Sharma WASHINGTON – The Report issued on Sunday showed that women investors in the Indian mutual fund industry, especially from the smaller cities and towns, have grown more than 2.5 times (year-on-year) on average amid the boom in the stock market, a report showed on Saturday. Women’s financial inclusion is increasing across urban and emerging regions and tier 4 cities saw a whopping over 140 per cent growth in women’s participation in the MF market, according to data shared by online brokerage Groww. Lalit Keshre, Co-founder and CEO, Groww, posted on X on Saturday said “While we had amazing growth across all segments in 2024, two segments stood out. Rise of women investors – number has doubled this year. And the number of portfolios with size greater than 1 crore tripled this year”. The women’s participation in MFs saw more than 100 per cent growth in Metro, tier 1, 2 and 3 cities. The cities with the highest number of women MF investors are Delhi, Mumbai and Kolkata (Metro) and Pune, Lucknow, Nagpur, Ahmedabad and Jaipur (Non-Metro). “Women’s SIP contributions are 25 per cent higher than men’s, and female SIP investors now make up one in four (compared to one in five last year),” the data showed. When it comes to monthly SIP contribution, the average ticket size is Rs 2,500 (indicating a focus on long-term wealth). Women SIP investors, 50 per cent are less than 30 years of age, followed by 33 per cent in the 30-40 year bracket and 17 per cent are age 40 and above. The Indian mutual fund industry saw a meteoric rise in 2024, as the assets under management of all MF schemes increased by more than Rs 17 lakh crore this year. According to data from the Association of Mutual Funds in India, the mutual fund industry’s AUM was Rs 68 lakh crore at the end of November 2024, which is Rs 17.22 lakh crore or 33 per cent more than the December 2023 figure of Rs 50.78 lakh crore. National Stock Exchange data showed a record 42,76,207 investors joined the Indian stock market in November. The latest SBI Research report said that India is witnessing at least 30 million new demat accounts being opened every year since 2021. The post Role of Indian women investors in mutual fund industry grow 2.5 times in 2024 appeared first on Global Governance News- Asia's First Bilingual News portal for Global News and Updates. [ad_2] Source link

[odnewsin]

Indian startups raise $145 million in funding this week

New Delhi: The domestic startup ecosystem raised more than $145 million, as investor confidence is reviving in the country when it comes to VC funding. Publicly-listed gaming firm Nazara raised $101.3 million via a preferential share issue, led by investors like SBI Mutual Fund, Caratlane founder Mithun Sacheti, and Aamara Capital. ShopDeck, a direct-to-consumer (D2C) e-commerce enabler, raised…

[digitalworldmarketview]

🚨 Important Update for Investors! 🚨 SBI Mutual Fund has extended the closure date of its SBI Nifty 500 Index Fund NFO to September 26 (previously September 24). This gives investors two more days to invest in this open-ended scheme that replicates/tracks the Nifty 500 Index! Make sure you take advantage of this extended window! ⏳ 📅 New Closing Date: September 26, 2024 🔍 Track the Nifty 500 Index with ease! #SBI #MutualFunds #Nifty500 #InvestSmart #Finance #WealthManagement #InvestmentOpportunity #worldmarketview

[zfundsofficial]

10 Best SIP Plans for ₹1000 Per Month

Systematic Investment Plans (SIPs) have become a popular way for investors to accumulate wealth over time by investing small amounts regularly in mutual funds. SIPs are particularly appealing to new and small investors because they offer the benefits of rupee cost averaging, disciplined investing, and the potential for compounding returns. If you are looking to start investing with a modest amount like ₹1000 per month, here are ten of the best SIP plans for ₹1000 per month to consider.

1. Axis Bluechip Fund

Category: Large-Cap Fund

Fund Objective: Invests in large-cap companies with a strong track record.

Key Features: Lower risk compared to mid and small-cap funds, consistent performer.

Ideal For: Conservative investors seeking stable growth.

2. Mirae Asset Emerging Bluechip Fund

Category: Large and Mid-Cap Fund

Fund Objective: Invests in a mix of large and mid-cap stocks.

Key Features: Potential for higher returns with a blend of stability and growth.

Ideal For: Investors willing to take moderate risk for better returns.

3. SBI Small Cap Fund

Category: Small-Cap Fund

Fund Objective: Focuses on high-growth potential small-cap stocks.

Key Features: Higher risk, but potential for substantial returns.

Ideal For: Aggressive investors with a long-term horizon.

4. HDFC Mid-Cap Opportunities Fund

Category: Mid-Cap Fund

Fund Objective: Invests in mid-sized companies with growth potential.

Key Features: Balanced risk and reward, suitable for long-term wealth creation.

Ideal For: Investors with a moderate risk appetite.

5. Kotak Standard Multicap Fund

Category: Multi-Cap Fund

Fund Objective: Diversifies investments across large, mid, and small-cap stocks.

Key Features: Flexibility to adapt to market conditions, diversified risk.

Ideal For: Investors seeking diversified exposure.

6. ICICI Prudential Equity & Debt Fund

Category: Hybrid Fund

Fund Objective: Combines equity and debt for balanced risk and return.

Key Features: Stability from debt, growth from equity.

Ideal For: Conservative investors looking for balanced growth.

7. L&T Emerging Businesses Fund

Category: Small-Cap Fund

Fund Objective: Invests in small-cap companies with growth potential.

Key Features: High growth potential, higher risk.

Ideal For: Aggressive investors with a long-term outlook.

8. Franklin India Feeder – Franklin U.S. Opportunities Fund

Category: International Fund

Fund Objective: Invests in U.S. companies, providing geographical diversification.

Key Features: Exposure to global markets, currency diversification.

Ideal For: Investors looking to diversify internationally.

9. Tata Digital India Fund

Category: Sectoral Fund

Fund Objective: Focuses on technology and digital companies.

Key Features: High growth potential in the tech sector, higher risk.

Ideal For: Investors bullish on the tech sector.

10. Aditya Birla Sun Life Tax Relief 96

Category: ELSS (Equity Linked Savings Scheme)

Fund Objective: Offers tax benefits under Section 80C along with growth.

Key Features: Tax saving with potential for equity returns, three-year lock-in.

Ideal For: Investors looking to save tax and generate long-term wealth.

Conclusion

Investing ₹1000 per month through SIPs in mutual funds can be an excellent way to build wealth over time. Each of these funds offers unique benefits tailored to different investment goals and risk appetites. Whether you are a conservative investor seeking stability or an aggressive investor aiming for high growth, there is a SIP plan that suits your needs. Remember to evaluate your financial goals, risk tolerance, and investment horizon before making any investment decisions. Regularly review and adjust your investments to stay aligned with your objectives and market conditions.

[trandingpost1]

SBI Automotive Opportunities Fund NFO: A Helping Guide for Investors

SBI Automotive Opportunities Fund NFO The Indian automotive industry is witnessing a period of significant transformation. With increasing disposable incomes, a growing middle class, and a shift towards electric vehicles, the sector presents exciting investment opportunities. Recognizing this potential, SBI Funds, a leading mutual fund house in India, has launched the SBI Automotive Opportunities Fund (NFO). This article delves into the details of this new fund offer, providing potential investors with a comprehensive overview to make informed investment decisions.

Understanding the SBI Automotive Opportunities Fund NFO

The SBI Automotive Opportunities Fund is an open-ended thematic equity scheme focusing on the Indian auto sector. The fund aims to invest in companies across the automotive value chain, including car manufacturers, two-wheeler companies, auto component makers, and electric vehicle (EV) players. This diversified approach allows investors to gain exposure to the entire spectrum of the automotive industry and potentially benefit from its overall growth trajectory. Investment Strategy of the SBI Automotive Opportunities Fund The fund will be actively managed by a team of experienced fund managers at SBI Funds. These managers will employ a rigorous stock selection process, focusing on companies that demonstrate strong fundamentals, healthy financials, and the potential for future growth. The fund will primarily invest in large-cap and mid-cap companies within the automotive sector, with a potential allocation to select small-cap companies with high-growth potential. Benefits of Investing in the SBI Automotive Opportunities Fund - Exposure to a High-Growth Sector: The Indian automotive industry is expected to witness significant growth in the coming years, driven by various factors like rising incomes, increasing demand for personal vehicles, and the adoption of electric vehicles. By investing in the SBI Automotive Opportunities Fund, investors gain exposure to this high-growth sector and potentially benefit from its long-term potential. - Active Management: The fund is actively managed by experienced professionals who leverage their research expertise to select promising companies within the automotive space. This active management approach aims to outperform the benchmark index and generate superior returns for investors. - Diversification: The fund invests across various segments of the automotive industry, including car manufacturers, two-wheeler companies, auto component makers, and EV players. This diversification helps mitigate risk and provides investors with a well-rounded exposure to the sector's growth potential. - Professional Management: Investing in individual stocks within the automotive sector can be time-consuming and require in-depth knowledge of the industry. The SBI Automotive Opportunities Fund offers a convenient way to gain exposure to the sector through a professionally managed investment vehicle. Suitability for Investors The SBI Automotive Opportunities Fund is suitable for investors with a moderate to high-risk appetite and a long-term investment horizon (ideally 5 years or more). The fund's focus on the automotive sector inherently carries a certain degree of risk associated with the cyclical nature of the industry. However, investors seeking to capitalize on the long-term growth prospects of the Indian automotive sector may find this fund to be a compelling investment option.

Factors to Consider Before Investing

Before investing in the SBI Automotive Opportunities Fund, it is crucial for investors to consider several factors: - Investment Objective: Align your investment with your overall financial goals and risk tolerance. - Investment Horizon: The fund is suited for long-term investors with a horizon of at least 5 years. - Risk Profile: The fund carries inherent risks associated with the automotive sector's cyclical nature. - Existing Portfolio: Evaluate how the fund complements your existing portfolio diversification. - Investment Alternatives: Compare the SBI Automotive Opportunities Fund with other sector-specific or thematic funds.

Investing in the SBI Automotive Opportunities Fund

The SBI Automotive Opportunities Fund operates as an NFO (New Fund Offer), meaning it is open for a limited subscription period. Investors can invest in the fund through various channels, including online platforms offered by SBI Funds or brokers, physical application forms submitted at branches of SBI or authorized distributors. Conclusion The SBI Automotive Opportunities Fund presents a potentially lucrative investment opportunity for investors seeking exposure to the burgeoning Indian automotive sector. By offering a diversified approach, active management, and professional expertise, the fund aims to deliver superior returns for investors with a long-term investment horizon. However, it is essential to carefully consider your risk profile, investment goals, and existing portfolio before making an investment decision. Conducting thorough research and consulting with a financial advisor can further assist you in making an informed choice. Read the full article

[college-buz]

Vodafone Idea Secures Rs 5,400 Crore from Anchor Investors Ahead of FPO

As Vodafone Idea (VIL) prepares for its much-anticipated Follow-On Public Offering (FPO), the telecom giant has successfully closed its anchor book allocation, raising a substantial Rs 5,400 crore from both global and domestic investors. This significant investment marks a pivotal moment for the company, positioning it strategically as it gears up for the next phase of growth.

The anchor book allocation, comprising 490.9 crore shares allotted to 74 funds, saw enthusiastic participation from esteemed investors at Rs 11 per share, reflecting confidence in VIL’s potential. Among the notable investors are GQG Partners Emerging Markets Equity Fund, Fidelity, UBS Fund Management, Abu Dhabi Investment Authority, and others, alongside domestic heavyweights like Motilal Oswal Mutual Fund, HDFC Mutual Fund, and SBI General Insurance.

This achievement places Vodafone Idea’s anchor book as the third-largest in history, following the footsteps of One 97 Communications and Life Insurance Corporation (LIC), which raised Rs 8,235 crore and Rs 5,627 crore, respectively, in their anchor rounds. Such substantial support underscores the confidence investors have in VIL’s future prospects.

The forthcoming FPO, scheduled to open for public subscription on April 18 and conclude on April 22, is poised to be the country’s largest, with a price band set between Rs 10 and Rs 11 per share. This monumental fundraising endeavor is expected to inject fresh capital into VIL, empowering the company to bolster its position in the fiercely competitive Indian telecom market.

With industry giants like Reliance Jio and Bharti Airtel dominating the landscape, Vodafone Idea aims to leverage these funds to fortify its presence, accelerate the much-awaited 5G rollout, enhance 4G services, and address pending vendor dues. Additionally, the infusion of capital will enable VIL to execute its ambitious plans of matching its competitors’ offerings and stemming the tide of subscriber attrition.

The road ahead hasn’t been easy for Vodafone Idea, grappling with a daunting debt burden of Rs 2.1 lakh crore and consecutive quarterly losses. Despite these challenges, the company remains resolute in its commitment to rejuvenate its operations and emerge stronger in the ever-evolving telecom sector.

As the telecom landscape continues to evolve, Vodafone Idea’s strategic moves and robust investor support signal a new chapter in its journey towards revitalization and sustainable growth. With the stage set for its transformative FPO, all eyes are on VIL as it navigates through the dynamic telecom terrain, poised for a resurgence in the days to come.

[joininsurancecareer]

Become an Insurance Advisor with SBI Life

Become an Insurance Advisor with SBI Life

Searching for v Understanding the requirements for the job can assist you in the interview process. The experts at Join Insurance Career can assist you better in learning about the whole process of How to Become Policybazaar Agent.

Requirement: How to Become Policybazaar Agent

When looking for How to Become Policybazaar Agent, you must be 18 and have a 12th-grade education. You must also successfully complete the agent training and earn the certification. Apart from this, you must also drive your own efforts and have a flair for selling to join us as the insurance representative.

Procedure: How to Become Policybazaar Agent

When looking for How to Become Policybazaar Agent, visit the Policybazaar TV Partner website. This PB Partner website allows the registration of agents using Policybazaar.

Next, for How to Become Policybazaar Agent, the homepage will appear before you once you have accessed your official web page. On this page, you will find the option to register above. To register, click it.

Once you click on the button, a new page will appear before you.

You will need to fill in your cell phone number first. After this, you must select the”Send” OTP option to continue.

When you click Send OTP, a new page appears. On this page, you must submit the OTP you received from the mobile number provided by you.

Then, for How to Become Policybazaar Agent, you need to select the option to verify. If you believe that the OTP matches, a web page will display before you.

Enrolling in a professional program when looking at How to Become Policybazaar Agent is essential?

When looking How to Become Policybazaar Agent, enroll in an accredited professional program at Join Insurance Career to improve your selling skills as you work towards your professional license. You can take part in regular sales classes or take courses explicitly designed to help insurance professionals.

For How to Become Policybazaar Agent, our professionals assist you in developing the abilities you need to manage client relationships. We also help you understand the typical problems you may confront as an insurance professional. Through our expert guidance, you will learn about the efficient sales method you can use.

How Do Experts at Join Insurance Career Help?

We only work with trusted brands in the insurance industry. They are the market leaders, and they are known for their best products, customer focus, claim settlement ratios, affordable premium, and customer service. These companies offer the best agent commission, best-in-class recognition, and rewards. So, join your hands to become a protector in someone’s life!

Some Reputed Companies We Work Together With Include:

TATA AIA Life Insurance

TATA AIG Insurance

TATA Mutual Fund

Care Health Insurance

ICICI Lombard Insurance

[redvisiontechnologies]

Imagine this:

You have a big-ticket client doing a monthly SIP of 1.5 lakhs. However, they require funds for their child's marriage.

Now, he wants to stop his monthly SIP and redeem investments that he has made over time. Or maybe he needs the money for a medical emergency and is adamant about redeeming his investment.

You are unable to stop this client from stopping this.

How will this impact you?

Loss of AUM

Loss of income

Stagnate growth

In fact, according to a report by Motilal Oswal, Mutual fund redemptions increased 39% year-on-year to Rs 332,300 crore in CY23.

It has led to a decline in net inflows to Rs 206,300 in 2023 from Rs 238,300 in CY22.

Why has this happened?

Liquidity is the culprit. Let me share an interesting fact with you to relate to this.

Did you know that LIC & PPF make more money than mutual funds?

But when we compare the returnsInvestment ProductAverage returns per annumMutual funds12-15%LIC4-5%PPF6-7%

Mutual funds offer better returns.

So, how is that possible that they make more money? The reason is that Mutual funds are very liquid when compared to other investment products.

The average holding period for LICs and PPFs is more than ten years. While over 50% of mutual funds units of regular plans were redeemed within a year, according to SEBI.

It is evident that the longer you hold investments, the better the compounding. That is why LICs and PPFs make more money than MFs.

But the question remains the same. How to stop premature redemptions?

What could you have done to stop premature redemption?

Scenario 1

When the market falls, clients panic and want to redeem.

To stop your client from redeeming their investment, you should link a purpose to it. The purpose of the investment has a psychological impact. It emotionally attaches the person to their goal.

This ensures that your AUM remains stable even during market turbulence.

However, it may seem like a far-fetched exercise to make goals for every client. Worry not, we have got a solution! Goal GPS with tracker. With this, you can:

Make quick goals, whether planning for child education, retirement, house planning, etc., with a family photo and a goal photo.

Map funds, whether existing or new, and assess the shortfall.

Track goals by sharing proper reports with your clients.

Scenario 2

When clients want funds during an emergency.

At times when there is an emergency, and your client needs money immediately, there is no choice but to redeem their investment.

To solve this, we have got another solution. MFDs can offer loans against mutual funds.

Let us discuss how loans against mutual funds can serve as valuable insurance against client redemption in another blog

For now, As suggested by DP Singh, SBI Mutual fund

Don’t over-sell liquidity in mutual funds, promote longevity of investments. Liquidity is a comfort feature – only to be used in real emergencies. The more you promote liquidity, the more challenges you will face as you keep bringing in new business while redemptions leak out from your AUM. The longevity of investments is the only win-win for your clients and yourself.

Whenever you receive a new lump sum or SIP from your client, make sure to link it with a purpose and ensure longevity of investments. To learn more about how Goal GPS can help you, contact us today!

[orionrealtor]

Raheja the Delhi Mall Patel Nagar: A Retail and Entertainment Hub

Welcome to Raheja the Delhi Mall in Patel Nagar! This iconic shopping destination offers a wide range of retail shops, a vibrant food court, and a state-of-the-art multiplex. With its convenient location and diverse offerings, this mall has become a go-to destination for residents and visitors alike.

Retail Shops

At Raheja The Delhi Mall, you'll find an extensive selection of retail shops that cater to various interests and preferences. Whether you're in search of fashionable clothing, accessories, home decor, electronics, or personal care products, this mall has it all. Our diverse range of retail shops ensures that there's something for everyone.

From popular international brands to local boutiques, you'll find a delightful mix of options at Raheja the Delhi Mall. Enjoy a seamless shopping experience as you browse through the latest trends and make your purchases. With the mall's spacious layout and well-designed storefronts, you'll feel enticed to explore the various shops and discover new favorites.

Food Court

After a rewarding shopping experience, head to the enticing food court at Raheja the Delhi Mall. Here, you can relish a delectable culinary journey with a wide array of cuisines and dining options. From fast food favorites to international delicacies, our food court offers a diverse choice of dining outlets to satisfy every craving.

Indulge in mouthwatering dishes prepared by skilled chefs and savor the flavors in a comfortable and inviting environment. Whether you're in the mood for a quick bite or a leisurely meal with friends and family, the food court at Raheja the Delhi Mall has something to cater to all tastes and preferences.

9 Screen Multiplex

For the ultimate cinematic experience, the 9 screen multiplex at Raheja the Delhi Mall is the place to be. Featuring state-of-the-art technology and comfortable seating, this multiplex offers a captivating atmosphere to enjoy the latest blockbusters and must-see movies.

With a diverse range of genres and movies from around the world, there's always something for everyone. Kick back, relax, and immerse yourself in the magic of the big screen as you enjoy top-notch audiovisual quality and exceptional service. Whether you're a movie buff or simply looking for an entertaining outing, the multiplex at Raheja the Delhi Mall promises an unforgettable experience.

Secured By SBI Mutual Fund

At Raheja the Delhi Mall, we prioritize the safety and security of our visitors and strive to provide a secure environment. To ensure your peace of mind, the mall is secured by SBI Mutual Fund, a trusted name in the financial industry.

With SBI Mutual Fund's expertise in risk management and security, you can enjoy your shopping and entertainment experience without any worries. We understand the importance of creating a secure environment for our visitors, and our partnership with SBI Mutual Fund reflects our commitment to their safety.

Conclusion

Raheja the Delhi Mall in Patel Nagar offers an unparalleled shopping and entertainment experience. With its diverse range of retail shops, vibrant food court, and top-notch multiplex, this mall caters to a variety of interests and preferences. Enjoy a seamless and secure experience while exploring the wide array of offerings at Raheja the Delhi Mall. Plan your visit today and unlock a world of retail therapy and entertainment delights.

Visit: https://www.rahejadelhimall.com/

[sunnysharmaseo]

Balanced Funds versus Balanced Advantage Funds

If you are new to mutual fund investing, then hybrid funds may look confusing. However, within the category of hybrid funds there are finer classifications like Balanced Funds and Balanced Advantage Funds (BAFs). Any hybrid fund is a combination of equity, debt, and derivatives in varying proportions. The difference between Balanced Funds and Balanced Advantage Funds (BAFs) lies, not just in the mix, but also in the discretion or leeway to the fund manager, to decide and alter that mix. Therefore, the debate of balanced funds vs hybrid funds is about mix and discretion.

What are Balanced Funds?

Have you ever wondered where the SBI Balanced Fund invests in? For that, we must start with understanding the concept of balanced funds. Balanced funds mix their portfolio between equity and debt in a rather rigid proportion. For example, the mix can be between 60:40 in favour of equities to 60:40 in favour of debt. The best balanced mutual funds maintain a fair balance between equity and debt.

What are Balanced Advantage Funds?

Balanced Funds and Balanced Advantage Funds appear similar, but differ in terms of asset mix and discretion. Balanced advantage funds (a.k.a BAFs) also invest in a combination of equity and debt, but the fund manager has greater discretion. Technically, fund managers can go to 100% in debt if interest rates are expected to fall or 100% equity if valuations are too low. In practice, BAFs are never that extreme. Due to this discretion, BAFs are also called dynamic allocation funds. In the list of BAFs, when you see SBI Balanced Advantage Fund Regular Growth, it is a dynamic allocation fund with discretion. When you try to identify the best balanced advantage fund in India, you must look at risk, volatility and returns.

Comparing Balanced Funds with Balanced Advantage Funds

There are similarities and dissimilarities between Balanced Funds and Balanced Advantage Funds (BAFs). This evaluation can identify best balanced advantage funds that fit your choice.

Balanced Funds

Balanced Advantage Funds (BAFs)

Balanced Funds invest in a combination of equity and debt instruments and therefore are hybrid in nature

Balanced Advantage Funds (BAFs) also invest in a mix of equity, derivatives and debt but with greater flexibility and are also hybrid in nature

In Balanced Funds, the equity-debt allocation is predetermined to be a specific ratio.

BAFs also use debt to reduce the overall risk of equities in the portfolio. However, BAFs are more flexible in their allocation which is done at the fund manager’s discretion and a predetermined formula.

Balanced Funds are for the long haul and investors must look at a time horizon of 4-5 years, at least

 Invest in Balanced Advantage Funds with minimum of 3-5 years investment horizon. These funds adjust equity exposure based on market conditions using a predetermined formula aiming to minimize volatility in your investment.

However, they differ in asset allocation. Balanced Funds cannot go above 60% in equity or debt and cannot go below 40% in both asset classes.

BAFs are discretionary and there are no such limits. Depending on the market view and predetermined formula, the fund manager can take net equity and debt exposure to any limit.

What about tax treatment? Balanced Funds are treated as non-equity (debt) funds since the equity exposure is less than 65%.

Balanced Advantage Funds are treated as equity funds since total equity levels are always maintained above 65% by way of including allocation to equity derivatives.

The next time you come across the SBI Balanced Advantage Fund or the SBI Mutual Fund Balanced Advantage Fund; remember that it is a dynamic hybrid fund with substantial allocation discretion for the fund manager.

Who should invest in Balanced Funds?

Balanced Funds are ideal for investors who are looking at longer term returns with better managed risk. The debt component also enables steady income. Balanced Fund are a good step to onboard an investor to equity as the risk gets gradually graded higher. It is for investors looking to have a more conservative approach to long term wealth creation. In fact, Balanced Funds are the more pristine form of rule-based hybrid funds. Investors who do not want too much of fund manager volition can opt for Balanced Funds.

Who should invest in Balanced Advantage Funds?

In a BAF, the returns are based on dynamic asset allocation and these are considered ideal for first time investors or conservative investors to test the waters. Investors who are comfortable with moderate volatility in their investment portfolio and have investment horizon of 3-5 years should consider investing in this fund. The dynamic allocation feature helps in reducing the volatility.

The moral of the story is that the next time you see any talk of an SBI balanced fund (or SBI hybrid fund), know that we are talking about an amalgam of debt and equity with different mixes and different levels of fund manager discretion.

If you desire to invest in such balanced or hybrid fund with a mix of debt and equity, you can check out SBI Balanced Advantage Fund or SBI Equity Hybrid Fund and can make your choice based on your risk appetite.

Source: https://www.sbisecurities.in/blog/balanced-vs-balanced-advantage-funds

[ravichinoy]

SBI Securities offers a trusted online share trading platform in India.

An online trading platform is a software application that allows investors to buy and sell stocks, invest in mutual funds, trade in futures and options, etc. These platforms are available on the web and mobile app. These Online trading platforms are offered by top brokerage firms, which are registered with SEBI. To use these online trading platforms, you need to create a demat and trading account with the broker.

Online trading platforms offer a variety of features to help investors starting their investment journey. Some of these features are:

The online stock trading platform allows you to place your buy and sell order. These platforms provide you with real-time quotes for stocks and securities. They also provide charts that allow you to track the history of any stocks. Online trading platforms also provide access to news from a variety of sources and research from their qualified team. YOu can also track your investments and portfolio, make withdrawals through these online trading platforms.

[ramakantthinks]

Equity Capital Markets In India: Recent Trends And Developments

The world of finance is a dynamic one, constantly evolving and adapting to new market trends and global economic changes. In India, the Equity Capital Markets (ECM) play a crucial role in raising capital for businesses and facilitating investment opportunities. As a finance enthusiast, let's delve into the recent trends and developments in ECM, focusing on corporate advisory in India.

Evolution Of Equity Capital Markets In India

India has witnessed significant growth in its equity capital markets over the years. The Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE) have become integral players in the global financial landscape. This growth can be attributed to various factors, such as economic reforms, regulatory changes, and increasing investor awareness.

Regulatory Changes And Initiatives

The regulatory environment in India has seen notable reforms that have positively impacted ECM. The introduction of the Insolvency and Bankruptcy Code (IBC) has streamlined the resolution process for distressed assets, making it more attractive for investors. Additionally, the Securities and Exchange Board of India (SEBI) has consistently introduced investor-friendly measures to enhance transparency and protect investors' interests.

Rise Of Initial Public Offerings (IPOs)

IPOs have gained immense popularity in recent years, attracting both domestic and international investors. Companies looking to raise capital and go public have seen success in India's ECM. Start-ups, tech firms, and established companies across various sectors have chosen IPOs as a means to access capital and expand their businesses.

Investor Appetite For Indian Equities

The appetite for Indian equities has grown significantly, with both retail and institutional investors showing interest. Domestic mutual funds and foreign institutional investors (FIIs) have been instrumental in driving market momentum. The increasing participation of FIIs has brought in foreign capital, which, in turn, has bolstered the markets.

The Role Of Corporate Advisory In ECM

Corporate advisory firms in India like HDFC Banks, JM Financial Ltd, SBI Capitals, and many more have played a crucial role in guiding companies through the complexities of ECM. These firms offer a range of services, including financial advisory, valuations, due diligence, and regulatory compliance. Their expertise is invaluable for companies navigating the process of going public or raising additional capital.

Market Expansion And Diversification

ECM in India has evolved beyond traditional avenues. Specialized segments like SME IPOs and InvITs (Infrastructure Investment Trusts) have gained traction, enabling a broader range of companies to access equity capital markets. These developments promote diversification and inclusivity in the market.

Technology And Digitization

Technology has been a game-changer in the world of finance. The rise of online trading platforms and digital payment systems has made investing in the equity markets more accessible to the masses. Investors can now trade and monitor their portfolios with ease, right from their smartphones.

Green Finance And Sustainable Investments

Environmental, Social, and Governance (ESG) criteria have become a focal point for investors. This shift towards sustainable investments has also influenced ECM in India. Companies that adhere to ESG principles are more likely to attract investment, reflecting a growing awareness of responsible investing.

Challenges And Opportunities

Despite the positive trends, ECM in India faces its fair share of challenges. Market volatility, global economic uncertainties, and geopolitical factors can impact investor sentiment. It's essential for companies and investors to remain agile and well-informed in this ever-changing landscape.

However, these challenges also present opportunities for growth and innovation. ECM participants can leverage digital solutions, diversify their portfolios, and tap into emerging markets to mitigate risks and seize opportunities.

ConclusionIn conclusion, Equity Capital Markets in India have witnessed remarkable growth and transformation in recent years. The regulatory changes, the rise of IPOs, and the increasing appetite for Indian equities have paved the way for a thriving financial ecosystem. Investment banks in India have been instrumental in assisting companies on their ECM journeys.