Goyum Financial Services

The BSE Sensex (100 in 1979) has appreciated to above 60,000 now (Jan'2022) giving a CAGR of around 16 percent.

The NSE Nifty 50 (1107 in April 1996) has appreciated to above 18000 now (Jan'2022) has given 14% CAGR returns. Over the same period Gold has 12.38% CAGR returns, while Fixed Deposits have given 7.1% average CAGR returns.
But, even today, very less people invest in stocks and mutual funds.
Average Assets Under Management (AAUM) of Indian Mutual Fund Industry for the month of December 2021 stood at ₹ 37,91,811 crore. The AUM of the Indian MF Industry has grown from ₹ 6.11 trillion as on December 31, 2011 to ₹37.73 trillion as on December 31, 2021 more than 6 fold increase in a span of 10 years!
The total number of accounts (or folios as per mutual fund parlance) as on December 31, 2021 stood at 12.02 crore (120.2 million), while the number of folios under Equity, Hybrid and Solution Oriented Schemes, wherein the maximum investment is from retail segment stood at about 9.74 crore (97.4 million).
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There are many things in our life that we want to accomplish.

It’s our dreams that make life big as well comfortable and easy for our family. But, most of the time we stop ourselves from planning itself as we assume that these ideas are too far-fetched. However, most goals can be achieved by proper planning at every stage.
Define your financial goals and then take a step-by-step approach to achieve them, as below: -
1: Know what you want to achieve
There are some goals that are common to all, and then there are few which are unique to each of us. Remember to set goals that are relevant and you will feel more motivated to work towards it.
2: Be specific about your goal
When you say things like, I want to save for children’s education, or for their marriage, or for retirement or for the house we all dream, we must be clearer. While setting a financial goal, you have to be more specific. For example, I want to save Rs 30 Lakh for children’s education, or Rs 30 lakh for down payment of the dream house. Being specific always wins.
3: Be realistic
While defining your goals, you need to consider your income and expenses and growth potential, so that the goal is realistic.
4: Attach a time-frame
Write a timeline for each and every goal
5: Invest Right
if you need to see the power of compounding, you need to give it time. This holds true for market linked investment, including Mutual Funds.
With Mutual Funds and especially Equity Mutual Funds, the long-term benefit of `giving time and compounding shows its benefit`, is well known.
We are here to help.
Feel free to Call or message NOW for further information or to fix up an appointment to discuss further!!

In India most of us do not have formal Pension plans or policies offered through social security net.

It is a purview of only certain privy Government employees or employees of large corporate houses. These are very few examples considering the large population of our country.
We all are income generating machines till our retirement age or till certain health emergencies. When we are at the peak of our career, we must focus on generating an alternate/ additional source of income through our savings and investments. The early we take this decision, the better is the wealth generated and higher is the income expected from such corpus.
The advances in medical science have increased the life expectancy of people. Hence, as we live longer, we will need more money for their medical as well as day to day expenses.
These expenses that we need must be covered by the income that we earn passively from our investments.
Think long term. Think for additional income though your investments. We are here to help!
Feel free to Call or message NOW for further information or to fix up an appointment to discuss further!!

We all know that mutual funds are one of the best ways to invest your money for a long term.

Like most investments, mutual funds have risk. The value of most mutual funds will change as the value of their investments goes up and down. A professional manager chooses investments that match the fund's goals for risk and return.
However, it is seen in most cases that good funds manage to outperform in most market conditions. At least they manage to outperform in the long run. It is not just returns but consistency of returns that also matters. Consistency is quite simple.
Well, for goals that are at least 5 years away, you should be investing in Equity Mutual Funds. While there are a lot of fund categories, you can stick to large cap funds or multi cap funds.
When you look at a Mutual Fund`s performance, we must compare the same with the benchmark index. The benchmark index in based on the fund`s investment objectives.
Historically, many MFs have been able to offer higher returns above the average inflation rates.
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Let's talk about what to do with your investible surplus-- that is, the money you won't likely need within the next five years.

This is a concept known as asset allocation, and a few factors come into play here. Your age is a major consideration, and so are your particular risk tolerance and investment objectives.
Let's start with your age. The general idea is that as you get older, investments in share markets gradually become a less desirable place to keep your money. If you're young, you have decades ahead of you to ride out any ups and downs in the market, but this isn't the case if you're retired and reliant on your investment income.
1. Determine your investing horizon.
2. Decide how much you will invest in Mutual Funds.
3. Open an investment account.
4. Choose your Funds.
5. Keep investing.
The steps to investing might be better described as a journey. One core element of this journey is to continually and systematically invest money in the market.
If your goals are still a few years in the future, you can hedge against volatility by remaining invested in diversified or Large Cap MFs.
We are here to help.
Call us or write for knowing @ how you can earn moderately high returns with mutual funds, NOW.

You can invest in MFs with less risk and with much lesser cost.

Most indices include dozens or even hundreds of stocks and other investments, and the diversification leaves you less likely to suffer big losses, if something bad happens to one or two companies in the index.
Investing in index funds is one of the easiest and most effective ways for investors to build wealth. By simply matching the impressive performance of the financial markets over time, index funds can turn your investment into a huge nest egg in the long run -- and best of all, you don't have to become a stock market expert to do it.
Investors find index funds especially useful for many reasons:
a) Minimize your time spent researching individual stocks. Instead, you can rely on the fund's portfolio manager to invest in an index that already includes stocks you want to invest in.
b) Index funds are available for a wide variety of investments. You can buy stock index funds and bond index funds, which cover the two big parts of most people's investment strategies.
Diversification is the rule of the game. To beat the inflation, mutual funds act as simple, easy to monitor and proven tools to invest part of your surplus to achieve your desired value.
Call us or write for knowing about how you can create wealth with mutual funds, NOW.

We must not lose track of our dreams.

If we turn these dreams into goals, we can achieve them.
And, in case of financial goals, we can reach there even faster by making the right kind of investments.
Be it Retirement Planning or Child Education or Dream House or Child Marriage or Planning for the dream world tour……
Considering an Inflation-adjusted cost, to be financially independent means taking into account future costs of our dreams and ascertaining the kind of corpus required to be built. Our financial planning exercise must be disciplined, focused and consistent.
The savings thus decided can be channelized into proper investments through a Systematic Investment Plan in Mutual Funds. Achieving pre-decided and planned goals offers all of us a sense of satisfaction and a great feeling of realisation.
No other investment methodology works better than starting a SIP (Systematic Investment Plan) in mutual funds at the time of the child’s birth as a wedding gift for the child.
Advantages of systematically investing in Mutual funds: - Simplicity, Stability, Predictability, Hands-off approach, Moderate returns, Tax advantage.
We are here to help.
Feel free to Call or message NOW for further information or to fix up an appointment to discuss further!!

Most dreams can be achieved by turning them into goals.

Small goals are like small steps of a religious place, everyone takes them to reach the destination, the sight of place of worship or almighty god.
Time is one of the most potent factors in investing because it brings the magic of something Albert Einstein once called the 8th wonder of the world- Compounding.
Most of us understand or at least know compounding thanks to the compound interest formula we studied in school. In investing, compounding happens when the returns your investments are generating also start delivering returns. This is sometimes referred to as “interest on the interest.”
However, if you need to see the power of compounding, you need to give it time.
This holds true for every kind of investment, including Mutual Funds. With Mutual Funds and especially Equity Mutual Funds, the long-term benefit of giving time and compounding shows its benefit is well known.
Start Small – Start SIP – Call or message for an appointment for further discussions or appointment.

'Patience the most important principle in investing' AND 'Time in the market is better than timing the market'.
Equity Funds offer market-linked returns because investors’ funds are invested in the equity market. Even within this category, you have different types of equity funds such as large cap, mid cap, diversified funds and balanced funds. You can set up a Systematic Investment Plan for any of these types of equity funds.
Advantages of systematically investing in Mutual funds: -
Simplicity, Stability, Predictability, Hands-off approach, Moderate returns, Tax advantage.
Call us or write for knowing @ how you can earn moderately high returns with mutual funds, NOW.

Small is beautiful.

Dividing or recreating our dreams and goals into smaller tasks makes them more achievable and realistic.
Investing systematically and consistently helps us to avoid and mitigate various risks associated with stock market investments. It is said that no one can time the markets. In investing, compounding happens when the returns your investments are generating also start delivering returns. This is sometimes referred to as “interest on the interest.”
With Equity Mutual Funds, the long-term benefit of systematic investment is higher value/ higher number of units due to “Rupee Cost Averaging”.
Start Small - Start SIP - Call or message for an appointment for further discussions or appointment.

To see the power of compounding of your investments, you need to give it time.
This holds true for every kind of investment, including Mutual Funds. With Mutual Funds and especially Equity Mutual Funds, the long-term benefit of giving time and compounding shows its benefit is well known.
Diversification is the rule of the game. To beat the inflation, mutual funds act as simple, easy to monitor and proven tools to invest part of your surplus to achieve your desired value.
Even some of the most successful investors, including Warren Buffett, have stressed the importance of patience to succeed at investing. In Buffett’s words, the stock market is a device for transferring money from the impatient to the patient.
Call us or write for creating a better and stable financial future with SIPs in mutual funds, NOW.

Planning is bringing the future into the present.

Many may think, do I really need a financial Plan?
If you have written your own and family's goals or in the process of visualizing the dreams, a suitable financial plan acts as a solid backup.
Financial planning is the process which helps you with a framework for achieving your life goals in a systematic and planned way. It comes with objectives, such as determining capital requirements and ensuring that the present financial resources are utilized in the best possible manner.
With a sound plan, we can avoid uncertainty, market related shocks and any surprises.
The Planning can be detailed and elaborate. It must include all our short term, mid-term and long term Goals.
Speak with Financial Advisor or Life Insurance advisor or Wealth Manager for crystalizing your financial plan.