Posted on

Track Your Mutual Fund Investments Real Time

Till some time ago, every family had a relationship manager who would periodically come and meet our parents and discuss his mutual fund investments with him. And that was the only time our parents could get to know how their funds were doing. This is similar to those times when the only way to send money to someone was to visit a bank branch and deposit some cash/cheque.

With the onslaught of technology, everyone is seeking more convenience in everything that they do. So we don’t want to visit bank branches anymore and neither do we want to depend on our advisor to tell us how our money is doing. At CAGRfunds, we realized this urge for independence and therefore provided our clients with the convenience of tracking their investments on their own personal CAGR dashboard.

Once you register and start investing through the CAGR platform, you are assigned your own login details with which you get access to your own dashboard. Not only can you invest in mutual funds online but also track how your funds are performing.

But you do get a bunch of statements on your email, right? So what is there to track? Well, three reasons why our dashboard helps:

Comprehensive Data:

Some reports give you the value of how much your money has grown while others show you the list of transactions you have made. We give you everything relevant at one place. We show you how much you have invested, the current invested value, the absolute return and the annual return.Not only that, we show you the individual funds that you are invested in and what is the return you are making both at the fund and portfolio level. We also show you how your investments are split between asset classes and if it is in sync with your decided asset-allocation.

Simple Enough For Anyone To Get It:

The fine print and numbers overload on the statements you get on email makes it all the more complicated. Either you sift through all the information yourself or stay uninformed. We obviously don’t want that and hence our dashboard and reports are quite simple. Our clients told this to us! Don’t believe? Read here.

Any Time Visibility:

Reports generally come to you at the end of the month or when you transact. But with us, the next time you are discussing investments with your friend, just log in, check your current portfolio value and returns and have a more informed discussion!

We, therefore, ensure that you stay in complete control of your portfolio. So the next time you call us, it is only to discuss your portfolio, not to get data – because your dashboard gives you all the data you need!

If you have been facing trouble tracking your investments and want to switch to a truly delightful investing experience, do not hesitate to call / Whatsapp us on +91 97693 56440. You can also comment on this post or email us on contact@cagrfunds.com.

Posted on

Our Investment Experts Cater To The Minutest Of Queries

This post is quite close to our hearts. Because in many ways, it defines who we are.

Let us talk about two recent examples.

Example 1

The other day, we met a 35-year-old salaried individual who had not started investing yet. He knew it was high time he should start deploying his surplus money to better use, but who has the time with a 12-hour job! While we were discussing his financial goals, he gave us a pile of 5 booklets (call them policies). And he smiled and said – “Can you please go through them and tell me what to do?”

And so we did. We not only analyzed the policies for him, we ended up giving him some useful advice, based on our expertise.

So, trust us when we say we go beyond our job description, to help clear those small doubts in your head, which you never ask or share with others!

Example 2

A month back, we met a 22-year-old female who wanted to start saving. It was a usual savings-discussion we were having when she mentioned, how she had no idea about what her tax liability would be that year.

This was of concern because she had just received her salary slip where tax had been deducted for the very first time. She asked if we could help her. And there we were, helping her calculate her tax.

The point we are trying to make is – we are always there for you.

We can never promise to do just everything for you, but if it is within our realm of possibility and knowledge, then we go all out to help you.

You must be thinking why on Earth do we do it? Well, we believe in getting married to our clients. We are not just a platform where you can begin investing or a set of people who will list out 3 funds to invest in.

We are a bunch of financial experts who treat our clients like family. And we do that in our style!

Did a financial query just pop up in your mind? Do not hesitate to call / Whatsapp us on +91 97693 56440. You can also comment on this post or email us on contact@cagrfunds.com

Posted on

Look beyond the obvious

A few days back, I met an old school friend Rajeev on my flight from Mumbai to New Delhi. We started reminiscing about our old school days and the time just flew by. Rajeev has done well in his career and is working as a Management Consultant with a reputed consulting firm.

Somehow, the discussion shifted to financial planning and Rajeev told me, that he is quite happy seeing his investment grow at 8%. This got me interested, so I further enquired and discovered that he has invested his savings in long tenor bank fixed deposits.  I was surprised and explained to him that he is only looking at nominal returns and there is more to returns than what meets the eye.

This got me thinking, do we as investors really know the actual returns of our investment? No, it’s not because we don’t read the numbers, but because we don’t understand how to find the net returns of our investment. Most people only care about the raw returns on their investment and unfortunately this is not the return to actually care about.

The two most important factors which impact our investment are taxation and inflation. While, the impact of taxation is still comparatively easy to understand, as on paper it leads to reduction in earning, the impact of inflation is more insidious.

With regards to taxation, every investor should look at the “after tax” return of his investment, but we will discuss this at some other time. Today let’s try to delve into the impact of inflation on our investment return.

Let’s get back to Rajeev and his investment in bank FD earning 8% return. Is he actually earning 8%? No, he is not. This is his “before tax” and “nominal return”.  For the time being, let’s ignore the impact of taxation and discuss further on “nominal return”.

As investors, we have to factor in the bite of inflation and look at the “real return”. In the above case, if the current inflation is 7%, the real return for the investment this year is only 1%. Why is that? Inflation represents loss in purchasing power. Simply put, 10 years back you can buy much more with 100 rupees in your account, than you can buy today. Inflation can affect the risk/return profile of any asset, including cash.

Investments offering you miniscule or negative real returns will actually lead to loss in purchasing power and are actually making you poorer over time. For example, savings account seems to provide a sense of security and guarantees “nominal return” of 4%; it actually is making you poorer by 3% (considering inflation is 7%). Same is the case with bank fixed deposits; it mostly gives you either negative real return or at maximum gives miniscule real return.

Historically as per the chart above,  investment  in  equities  has  offered  higher  real  returns  compared  to  fixed  deposits.  Hence, it is seen as a good hedge against inflation. Investments done in fixed deposit have barely been able to beat the inflation over the years, while the investments in equity have given handsome returns over long period of times.

If you find it difficult to choose the right companies for investing, you could opt to invest through mutual fund schemes, preferably through the Systematic Investment Plan (SIP) route.