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Why You Should Set Financial Goals Early

Starting your financial planning at an early age is one of the smartest decisions you can make for your future. Here’s why:

• Build Wealth Over Time: The earlier you start, the more time your investments have to grow, thanks to the power of compounding.
• Achieve Life Goals: Whether it’s buying a home, traveling, or securing your children’s education, setting financial goals helps you work towards achieving them step by step.
• Handle Emergencies Better: With proper financial planning, you can build an emergency fund to manage unexpected expenses without stress.
• Stay Debt-Free: Planning your finances early helps you avoid unnecessary debt by promoting smart spending and saving habits.
• Peace of Mind: Knowing that your future is financially secure allows you to enjoy the present without worries.
Don’t wait for tomorrow—start setting your financial goals today and take control of your future!

  • Investor having a medium term goal should invest in different asset classes in a mix of multi asset fund and Balanced advantage funds with done proportion in equity funds like flexicap and multicap funds.
  • Investors having a long term goal can invest in few funds which are more focused on equity. Investors having more than 10-15 year view can add midcap funds and selected sectorial funds.
  • Before making a decision on investing an Investor needs to analyze his financial goal, his time frame for achieving goal, his risk taking ability Once investor has done a profiling of these data then he can choose mutual funds.
  • At this juncture of market, investor need to deep dive in depth on each mutual funds as per his risk profile.
  • He need to also check and study various statistical numbers like standard deviation, sharpe ratio etc.
  • He needs to check the style and philosophy of the mutual funds AMC and past experience and past performance of Fund Manager.
  • One should not invest on past performance but need to understand which sectors can grown in future and if fund has exposure to stocks from sectors which can move up in future. Along with it investor need to know how much of fund corpus is in Large cap, Midcap and small cap.
  • Every investor should know that Midcap and Small cap funds can be volatile or short term and is good only for long term and must not invest if it has moved above historical average in recent past.
  • To avoid any confusion Investors can contact AMFI registered mutual fund distributors.