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Mutual funds to construct a combat strategy
Published On , 3 Dec 2018 By Business Line
Different ammunition for different Goals
Just as there are an array of weapons, but each has a specific use in a battle, the same holds true for Mutual Funds (MFs).
Equity-oriented Funds are best suited to meet long-term fi nancial Goals such as building a nest egg for your retirement years.
For shorter Goals, like the admission of your kids into private educational institutions within a year to fi ve, there are Debt-oriented Schemes and Balanced Schemes.
Strategic patience can be beneficial
Sometimes the toughest commanders face the brunt of “not moving quickly enough” along enemy lines. Turns out though that inaction is the best strategy to beat the enemy hollow!
When the Goal is to beat infl ation and earn the best possible returns, taking corrective action at every volatile market phase does not help.
Instead, remain invested with a firm focus on your target (read financial Goal) despite bouts of volatility.
When you remain invested through the Systematic Investment Plan (SIP) route of MFs through this period of “inaction”, you benefit from the power of compounding.
Simply put, the returns from your investments are reinvested into the principal amount, thus enhancing your returns over the years. This helps you achieve your Goals easily.
The merit of discipline
Military discipline is legendary even among civilians. But as a defence personnel, you appreciate the merits of the same and know how important it is during a combat.
Disciplined investing through the SIP route will help you achieve your investment Goals with small but regular investments.
The key is to cut out the noise (read volatility) around you and keep investing consistently with a discipline to reach your Goal.
Managing your investment through SIPs is convenient and does not burn a hole in your pocket.
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