A story about a mutual fund investor...

[View this in your browser]( [Editors note](?utm_source=2019-12-17-editors-note&utm_medium=email&utm_campaign=stock-insight) FEBRUARY 16, 2023 Dear Reader, I have an interesting story about an investor today... Around the time Covid first started, an acquaintance who is in his early 50s came to meet me. Like many people, his career, which is in the hospitality industry, had taken a sudden negative turn and he found himself earning a lot less than he used to. He wanted to retire at some point not too far into the future. Most years before that, ever since he started working, he had saved money by making at least the tax saving investments in March. Generally, this had been in PPF. He had also been making many mutual fund investments, always pushed by some agent or the other whom he came across in his profession. In recent years, he had also made a beginning with the National Pension System (NPS). So far, so good. Now comes the shocker. Overall, apart from his PPF deposits and NPS, he had investments in about 70 (SEVENTY!) funds. This is a very high number of funds in which to have invested but unfortunately, it’s not all that uncommon. People whose fund investments have been driven by salespeople for many years commonly have investments in a lot of funds. In the past, salespeople got high commissions when the saver put his money into a fund, but much lower later. Therefore, the system incentivised them was to keep talking the saver into investing in newer and newer funds under the garb of diversification. This has reduced now, but it's not as if the problem has been eliminated. 70 may be towards the extreme, but many people have 20-30 funds, all collected haphazardly. In terms of trying to get a grip on where your investments are going, 20-30 is just as bad, specially if you no idea how these funds will contribute to reaching your financial goals. Unless.. ...unless you have the right tools. As I’ve become fond of saying, that’s where Value Research comes in. Here’s how we can help, not just if you have 70 funds, but even if you have only 10 which have just been collected in a random manner. So what’s the correct way of building a portfolio? The answer is certainly not, “Wait for a salesperson to approach you and then just put whatever money you can spare at the moment in whatever fund that he is hyping.” For an Indian mutual fund investor, here’s the simplest way of solving these problems. Value Research Premium has a set of invaluable tools, by far the best that any Indian mutual fund investor would have access to. Here’s a brief description of some of what you will get: Portfolio Planner: Ready-to-go investment options matched to different needs. Analysts’ Choice: Exclusive analysis and guidance to choose mutual funds that can fulfil any possible investing requirement. Portfolio Analysis: For any set of investments, learn what is wrong and what is right with them, and how they could be changed to suit different goals. ‘My Investments’ tracker with automatic import, returns analysis, capital gains and tax tools, and more. Analytical tools and inputs on every mutual fund in India. [Click here to learn more and start your membership at up to a 30% discount.]( Regards Dhirendra Kumar Chief Executive Value Research FOLLOW US [[Twitter]Twitter]( [[Facebook]Facebook]( [[Youtube]Youtube]( [[LinkedIn]LinkedIn]( [[Instagram]Instagram]( [[Spotify]Spotify]( Copyright © 2023 Value Research India Pvt Ltd. All rights reserved. Please read our [Privacy Policy.]( C-103, Sector 65, Noida Uttar Pradesh 201 301, India This notification mail has been sent to you at {EMAIL} because you are a member of Value Research Online. [Add more newsletters]( | [Change your email]( | [Unsubscribe from this newsletter](