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About Us

SMFS is a financial consulting company with the mission to make your future secure. We assure you a hassle-free and pleasant transaction experience. Our focus is to offer integrated solutions for your investment needs. We hope that your quest for knowledge/information about the art/science of investing ends here. Sink in. Knowledge is power. It is common knowledge that money has to be invested wisely. If you are a novice at investing, terms such as stocks, bonds, yield, P/E ratio may sound Greek and Latin. Relax. It takes years to understand the art of investing. You're not alone in the quest to crack the jargon. Investing is not about putting all your money into the "Next Infosys," hoping to make a killing. Investing isn't gambling or speculation; it's about taking reasonable risks to reap steady rewards. Investing is a method of purchasing assets in order to gain profit in the form of reasonably predictable income (dividends, interest, or rentals) and appreciation over the long term. A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life. WE will invest time & effort to guide you to invest smartly. The first step? We ask questions, you ask questions, and together we can determine if our solution to the investment problem meets your needs. To find out if you're ready to be a SMFS client, just fill up the enquiry form and we will call . It's that simple. It is pleasure to introduce SMFS as the largest independent financial advisors in Uttar Pradesh We support your aspirations without conflict or bias. As an independent company not owned by or affiliated with any brokerage or investment group or an Insurance company, our mission is to help individuals optimize portfolio returns with a great sense of security & a legacy of goodwill. We provide one stop solutions for all your financial needs. We believe in total transparency in our dealings. We are the permanent face of the company and hence you will never have the issue of your relationship manager getting transferred or changing his job. The Firm is well equipped to provide scientific updated technology based portfolio advice to all its clients. The need of the day is to give right advice to every segment of population irrespective of whether the investor is high net worth Retail or Institutional clients. The stress is to make concerted efforts in spreading investment awareness in right earnest. Considering the tumultuous and the volatile times that we are living in, the need for valuable and active financial planning and wealth management has never been more important and critical. The goal is to create, grow and preserve wealth. The advisory practice is built on the foundation of trust, integrity and responsibility and hence we are always committed to exceeding the expectations of the clients.

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Manage your wealth & track your family’s portfolio with one single login. You can easily and quickly invest in Mutual Funds from the app. Explore funds, view their performance and invest. Start an SIP or invest Lumpsum. Check out our recommendation of funds under Focused Funds. Whether you made profits or loss, check out from the reports. Simply Login and setup a 4 digit PIN for subsequent login so that you don’t need to enter your Username & Password every time. Download Now!

Mutual Funds

What are Mutual Funds ?

 

The Definition

A mutual fund is nothing more than a collection of stocks and/or bonds. You can think of a mutual fund as a company that brings together a group of people and invests their money in stocks, bonds, and other securities. Each investor owns shares, which represent a portion of the holdings of the fund.

You can make money from a mutual fund in three ways:

1) Income is earned from dividends on stocks and interest on bonds. A fund pays out nearly all of the income it receives over the year to fund owners in the form of a distribution.

2) If the fund sells securities that have increased in price, the fund has a capital gain. Most funds also pass on these gains to investors in a distribution.

3) If fund holdings increase in price but are not sold by the fund manager, the fund's shares increase in price. You can then sell your mutual fund shares for a profit.

Funds will also usually give you a choice either to receive a check for distributions or to reinvest the earnings and get more shares.


Advantages of Mutual Funds

• Professional Management - The primary advantage of funds is the professional management of your money. Investors purchase funds because they do not have the time or the expertise to manage their own portfolios. A mutual fund is a relatively inexpensive way for a small investor to get a full-time manager to make and monitor investments.

• Diversification - By owning shares in a mutual fund instead of owning individual stocks or bonds, your risk is spread out. The idea behind diversification is to invest in a large number of assets so that a loss in any particular investment is minimized by gains in others. In other words, the more stocks and bonds you own, the less any one of them can hurt you (read about Enron scandal). Large mutual funds typically own hundreds of different stocks in many different industries. It wouldn't be possible for an investor to build this kind of a portfolio with a small amount of money.

• Economies of Scale - Because a mutual fund buys and sells large amounts of securities at a time, its transaction costs are lower than what an individual would pay for securities transactions.

• Liquidity - Just like an individual stock, a mutual fund allows you to request that your shares be converted into cash at any time. • Simplicity - Buying a mutual fund is easy! Pretty well any bank has its own line of mutual funds, and the minimum investment is small. Most companies also have automatic purchase plans whereby as little as $100 can be invested on a monthly basis.

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Market Views

  • India Inc over the last 3 years has seen multiple shocks – from demonetisation to key reforms like GST, RERA etc to credit freeze in aftermath of wholesale NBFC unable to get access to credit to current lockdown amidst the global supply and demand shock unleashed by Coronavirus. In the long journey of corporate India, these events almost seems like a big RESET button. A call to significantly change business practices, realign key business priorities in a changing landscape and massive consolidation across sectors.

 

  • ·       Covid19 – while initial impact was localised to Chinese economy and therefore the supply shock given large export from China, the spread of virus globally now risks creating a demand shock as well. While global coordination of policy makers and containment of virus and improvement in drugs to counter will reduce the longer term impacts of this shock, near-term demand and supply chains remain frozen amidst a significant drop in economic activity.

 

  • ·       While Indian government & RBI have announced few measures, we expect more measures to be announced given the unprecedented nature of events led by Covid 19. Amidst this uncertainty, Indian equities have seen large up and down moves in recent months.

 

  • ·       While near term uncertainty induces volatility in asset prices, in the long run, wealth creation in equities is a function as how businesses can profitably grow over their cost of capital sustainably. Given the long-range of reforms introduced as well as likely relief measures by government & RBI, we believe longer-term prospects of Indian equities is quite encouraging and we would advise investors to benefit from such induced volatility.

 

  • ·       Time in the market is more important than timing the market - recently, markets volatility has moved up and investors can benefit from this volatility by focusing on disciplined investing and asset allocation.

•       One of the biggest fallouts of the Covid crisis was seen in April with oil prices (WTI Crude) going into negative territory as inventory buildup, due to lack of demand, created a storage problem in the oil markets.

•       The lock down in India has been extended for the second time in India till the 17th of May, however several concessions were provided based on the classification of the entire country into Green, Orange and Red zones, depending on the number of cases in each region.

 

•       In the mutual fund space, Franklin Templeton wound up 6 of their debt schemes with over 30000 Crs of AUM as of 31st Mar 2020, citing inability to meet redemptions due to market liquidity conditions as a result of the Covid-19 crisis.

 

•       Earlier during the month RBI has announced several measures including a cut of reverse repo rate by 25 bps to 3.75 percent, LTRO 2 of 50000 cr that could be lent to NBFC’s and MFI’s

 

•       The current Gsec yield curve is quite steep. However we do expect further RBI action to introduce some amount of flattening.

 

·         The geo-political Risk which was triggered due to Coronavirus in Wuhan has become the 6 sigma event as feared. The slowdown fears are quickly becoming a reality.

·         The falling commodity prices and bond rally globally will help keep Indian rates lower.  This is positive for trade deficit however due to equity selloff INR will remain under pressure, which is manageable as RBI has enough reserves to fight the same.

·         If India continues to remain relatively unaffected from the COVID-19, it could spell positive for the country in attracting capital, tourism and jobs.

·         We believe we have seen peak of inflation in February  2020 with head line CPI at 7.59% . However based on current prices we expect the same to ease off to 7% and gradually trend towards the comfort zone. This will be positive from interest rates point of view given the overall environment inflation is what will be chased globally

·         The RBI announced LTRO worth 1lac cr which was much potent tool than a rate cut and we believe this LTRO will pull down and anchor the short term rates much closer to overnight rates as 1 Lac cr of fresh money will lead to at least 2-3 lac cr worth of demand for assets leading to spread compression.

·         In a nut shell, key driver for returns will be corporate spread-compression or flattening of the yield curve. It will start with AAA/PSU followed by NBFC/HFC like Bajaj/HDFC; and then, it may percolate to lower grade NBFC and other corporate bonds. 

Kotak Standard Multicap Fund – It’s Focused! A fund that strives to focus on the most promising sectors in the ongoing market cycle across market capitalisation.
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Contact Us

Phone

7024120099 9650094528
Email invest@smfs.in
Address: B 149, Sector 36, Noida, Uttar Pradesh 201301