3 FAQs about the safety of your investments on Finity

With 3 months left, the year 2019 has witnessed total SIP contributions of Rs 32,867 crore, thereby, clearly indicating that financial products are gaining high popularity among Indians. Even though Finity makes it very easy to signup and finishes paperless KYC in 5 minutes to start investing in Direct Mutual Funds, yet many of our users do hesitate to make their first investment. As Head of Research at Finity, I have answered some of the questions that you may have regarding your investments with Finity app:

1. What happens to my investments in case Finity shuts down?

Finity is just a distributor of Direct Mutual Funds. As an intermediary, your money never comes directly to Finity. Instead, your money goes to the AMC (Asset Management Companies such as SBI, ICICI, Motilal Oswal, etc) associated with the Mutual Fund you invest in. Thus your money moves from your bank account to the mutual fund’s bank account directly. Similarly for redemption, your money is credited by AMC directly to your bank account. If the app/platform shuts down, your units would be safe as long as you have the folio number (which you can get from your eCAS i.e. Consolidated Account Statement which is available from Karvy, CAMS or SBFS) – and then you would just need to find a different app for your mutual fund redemption/investments.

2. But the markets are falling, should I withdraw my investments?

Its common to panic and stop SIPs when the markets are down due to fear of loss. However, a fall in the market is an opportunity to buy more at lower prices, and this will help you achieve your long-term goals. Remember: Every bear trend is followed by the bull, resulting in the recovery of the market. Thus, time in the market is vital rather than timing the market.

3. Is it safe to invest on Finity?

Finity is a SEBI Registered Investment Advisor (INA200005323) & registered with the Association of Mutual Funds in India (AMFI). Moreover, these reasons make Finity the safest and secure investment platform in India:

  • Our payments are routed via BillDesk (PCI – DSS Compliant)
  • All orders placed on Finity are executed via the Bombay Stock Exchange (BSE).
  • Our app uses 256-bit Secure Socket Layer (SSL) encryption, to offer bank-grade security.

What are you waiting for? Click the button below to invest in 0% commission Direct Mutual Funds now:

18% returns (past 5Y) in Mirae Asset Emerging Bluechip Fund. Invest Now!

Mirae Asset Emerging Bluechip Fund Direct-Growth

★★★★★ Rated 5-star by Morningstar, CRISIL and Value Research

Return Capacity: High
Risk level: Above Average Risk
Category: Equity: Large & Mid Cap (Open-Ended)
Last 5 yr returns: 18% (as of September 25, 2019)
Minimum SIP Amount: Rs. 1000

To boost total returns of your financial portfolios, we as SEBI Registered Investment Advisor suggest you take some risk by allocating at least 15-20% of the total portfolio in large & mid-cap funds. We recommend investing in Mirae Asset Emerging Bluechip Fund (ranked #1 in Large & Mid-cap category based on past 5Y Returns).

  • To reduce the risk that comes with equity exposure, the fund is well-diversified between small-/mid-/large-cap stocks (out of its 99.64% investment in Indian stocks – 52.41% is in large-cap stocks, 34.03% is in mid-cap stocks, 13.2% in small-cap stocks.)
  • Even though markets are down in past months (causing this fund’s benchmark, NIFTY Large Midcap 250 Total Return Index, to give 8.75% 5Y returns), Mirae Asset Emerging Bluechip Fund has yielded excellent returns of 18% (past 5Y CAGR), which is 9.25% more than the returns of its benchmark.
  • Fund manager’s insistence on a disciplined approach to investing, with a focus on quality up to a reasonable price along with diversification, has helped the fund in delivering consistently high returns with this fund when compared with other funds in the same category.

21.49% (पिछले 1 साल मे): निवेश कीजिए IDFC गवर्नमेंट सिक्युरिटीज कांस्टेंट मेचुरिटी फंड मे

Get 21.49% (past 5Y) returns in IDFC Govt. Securities Constant Maturity fund!

IDFC

20.74% (past 1Y) returns in IDFC Govt. Securities Constant Maturity fund. Invest now!

IDFC Government Securities -Constant Maturity Growth fund (Direct)

Ranked #1 in 10-year Gilt by last 1Y returns
Morningstar rating: ★★★★★

Return Capacity: High
Risk level: Below Average
Category: Debt: Gilt with 10-year Constant Duration
Last 1 yr returns (CAGR): 20.74% (as of August 23, 2019)
Minimum SIP Amount: Rs. 1000

As per SEBI’s circular, gilt funds with constant duration are defined as the funds which invest a minimum 80 percent of the assets in government securities. This fund has invested 94.67% of its assets in the safest instruments known as government securities (which usually gets SOV or Sovereign rating from the credit rating agencies). This means that these securities are backed by the government and are unlikely to default and thus they can be termed as virtually risk-free.

As a SEBI Registered Investment Advisor (INA200005323), we highly recommend you to start a monthly SIP of minimum Rs. 1000 in this fund (to get high returns at low risk with high liquidity).

top funds

पिछले 5 सालों मे 18% से ज़्यादा रिटर्न देने वाले 2019 के टॉप 3 म्युचुअल फंड

“रिटर्न कितना मिलेगा?”

क्या आप भी अपने फाइनेंसियल एडवाइजर या बैंक मैनेजर से यही सवाल पूछते हैं, जब भी वह कोई नया इन्वेस्टमेंट प्लान लेके आपके पास आता हैं ? क्या आप सर्वाधिक रिटर्न देने वाले म्यूच्यूअल फंड्स नहीं पता होने की वज़ह से अपने म्यूच्यूअल फंड के निवेश को टाल रहे हैं? यदि हाँ, तो आप सही जगह पर आ गए हैं |

मायवे वेल्थ की अनुसंधान प्रणाली (जो की उन्नत वित्तीय मॉडल्स और बाजार के पुराने आंकड़ों का उपयोग करके बनी हैं ) के अनुसार 2019 के टॉप 3 म्यूच्यूअल फंड्स (पिछले 1-5 साल के रिटर्न्स के हिसाब से) इस प्रकार हैं :

फण्ड का नामरिटर्न्स और किन निवेशकों के लिए उपयुक्त
एसबीआई स्मॉल कैप फंड (ग्रोथ/डायरेक्ट)

SBI Small Cap Fund

★★★★★
+18.63% (पिछले 5 साल का औसत सालाना रिटर्न)

स्मॉल कैप फंड, ज़्यादा रिस्क लेने की क्षमता रखने वाले निवेशकों के लिए उपयुक्त

निवेश की उचित अवधि: कम से कम 5 वर्ष
मिरै असेट इमर्जिंग ब्लू चिप फण्ड (ग्रोथ/डायरेक्ट)

Mirae Asset Emerging Bluechip Fund

★★★★★
+18.09% (पिछले 5 साल का औसत सालाना रिटर्न)

मध्यम रिस्क लेने के इक्छुक निवेशकों के लिऐ मल्टी कैप फण्ड

निवेश की उचित अवधि: कम से कम 3-5 वर्ष
आईडीएफसी गवर्नमेंट सिक्युरिटीज - कांस्टेंट मेचुरीटी फण्ड (ग्रोथ/डायरेक्ट)

IDFC Government Securities Fund-Constant Maturity

★★★★★
+21.49% (पिछले 1 साल का औसत सालाना रिटर्न)

कम रिस्क लेने के इक्छुक निवेशकों के लिए गिल्ट (डेब्ट) फंड

निवेश की उचित अवधि: कम से कम 1-3 वर्ष

क्या आपने ध्यान दिया की यह तीनो फंड्स पिछले 1-5 सालों मे फिक्स्ड डिपाजिट (एफ डी) से दोगुना से भी ज़्यादा रिटर्न्स दे चुके हैं?
दूसरे शब्दों मे, यदि आपने 5 साल पहले इन 3 फंड्स में से किसी एक फण्ड में महज 5000 रुपये की एसआईपी (SIP) चालू करी होती, तो सिर्फ 3 लाख रुपये की जमा राशि के बदले आपको 4.88 लाख रुपये का रिटर्न मिलता (18% के औसत सालाना रिटर्न के हिसाब से), मतलब आपको पूरे 1.88 लाख रुपयों का फ़ायदा होता |

18.31% returns (past 5Y) in Mirae Asset Emerging Bluechip Fund. Invest Now!

Mirae Asset Emerging Bluechip Fund- Direct Plan

★★★★★
Morning Star Rating as on August 28, 2019

Category: Open-ended and Equity: Large & MidCap
Risk level: Moderately High
Return Capacity: High
Last 5 yr return: +18.31% (as of August 28, 2019)
Fund Manager: Neelesh Surana (since Jan’13) and Ankit Jain (since Jan’19)

  • Mirae Asset Emerging Bluechip Fund has yielded 18.31% CAGR (past 5Y), which is 8.84% more than the return of its benchmark Nifty Midcap 100 index in the same 5Y duration (at 9.47%).
  • It maintains a diversified portfolio by investing 52.34% is in large-cap stocks, 34.51% in mid-cap stocks, and 12.79% in small-cap stocks.
  • Suitable for investors with moderately high-risk appetite (due to mid/small-cap exposure of this fund).
  • Recommended investment tenure: Minimum 5 years.
  • According to the fund manager Neelesh Surana, disciplined approach, focus on quality along with diversification has helped them in maintaining standards with this fund.

 

top funds

Wondering where to invest? Top 3 funds in 2019 with >18% past returns

“Return Kitna Milega?”

How much returns will I get? Is this the first question that you ask your relationship manager at a bank or your financial advisor? Are you postponing your mutual fund investments due to lack of a ready-made list of highest return yielding funds? If so, you have arrived at the right place.

Finity’s research methodology is powered by proprietary scientific-financial models & historical market data while ensuring an excellent track record not just in past 3-5 years but also in both bull & bear markets. These are the top 3 mutual funds (for three different risk appetites: high, medium, low) based on past performance, that yield more than 18% returns:

Fund name & ReturnsIdeal audience
SBI Small Cap Fund (Gr/Dir)
★★★★★

+18.95% (Past 5Y Returns)
Small-cap fund for investors who expect more returns at a higher risk.

Recommended investment duration: minimum 5 years.
Mirae Asset Emerging Bluechip Fund (Gr/Dir)
★★★★★

+18.32% (Past 5Y Returns)
Multi-cap fund (invests in small+mid+large cap companies) for investors with moderate risk appetite.

Recommended investment duration: minimum 3-5 years.
IDFC Government Securities Fund-Constant Maturity (Gr/Dir)
★★★★★

+21.55% (Past 1Y Returns)
Gilt (debt) fund for investors with low risk appetite.

Recommended investment duration: minimum 1 year.

As an example, if you started a SIP of just Rs. 5000 in any of these 3 recommended funds 5 years ago, then today your corpus would be worth Rs. 4.88 lakhs (for a total SIP deposit of just Rs. 3 lakhs). That’s Rs. 1.88 lakhs in returns in 5 years!

Direct vs Regular

Earn upto 1.5% more returns with Direct Plans, find out how!

Do you search for online restaurants that offer home delivery at zero charges? Even Direct Plans of Mutual Funds charge 0% commissions.

Every mutual fund has 2 variants: Direct and Regular Plans:

  • In Regular Plans, mutual fund intermediaries charge 0.5-1.5% as commissions or distribution fee.
  • On the other hand, Direct Plans eliminates the brokers/intermediaries and thus charge zero commissions. Instead, this is reflected back in your portfolio in the form of 0.5-1.5% additional returns.

Let’s have a look at the returns from a one-time lump sum investment of Rs. 2 lakhs in Direct and Regular plans for 20 years:

Direct vs Regular example

Assuming a Regular plan of a specific mutual fund with ~15% returns, we will get upto 9.6 lakhs extra returns in the Direct Plans of the same fund (thanks to additional 0.5-1.5% returns combined with compounding effects in the long-term).

Start your investment journey with “Build Wealth”:

“Build Wealth” feature on Finity is powered by proprietary Smart Recommendation Engine (backed by robust research methodology, scientific-financial models & historical market data). This engine recommends funds specifically for your personal financial goals and risk appetite while ensuring that the recommended funds have an excellent track record (for past 3-5 years as well as in both bull & bear markets).

Check out the funds recommended by Smart Recommendation Engine:

top rated mutual funds

Top Rated Mutual Funds

Here is a list of top-rated Mutual Funds that yield >18% returns and are rated 5 stars by Morningstar

CategoryFund detailsReturns (CAGR)Intended for investors with
Small/ Mid-CapSBI Small Cap Fund Direct Plan-Growth
★★★★★
+19.97%- Higher risk appetite and can stay invested for 5 years and
- Wants to invest in small/medium-sized companies.
Multi-Cap Mirae Asset Emerging Bluechip Fund- Direct Plan-Growth
★★★★★
+19.45%- Moderate risk appetite and can stay invested for 5 years and
- Wants a diversified portfolio by investing in small, medium and large-sized companies
Gilt Medium & Long Term IDFC Government Securities Fund- Investment Plan- Direct Plan Growth
★★★★★
+18.07%- Lower risk appetite and can stay invested for a short period i.e., 1-3 years
- These funds provide returns twice more than a Fixed Deposit can offer you within a one year tenure

What are you waiting for?

Myway Wealth is now Finity!

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