6363700514, Phone
help.wealthyearnings@gmail.com Email

About Us

Wealthy Earnings is a Mutual Fund Investment Service that specializes in providing the best advices on the mutual funds and creates customized portfolio based on the purpose of the individual investors.

The best part of the Wealthy Earnings is always focused on the Investors success.

 

Key Features-

·  Transact Online

·  View Investments Across All Assets Classes, AMC wise and Family wise

·  Recent Transactions for MF

·  Check Holding Report for MF

·  Factsheet

·  Recommended Funds

·  Market View - News and Videos

·  Schedule tasks for your Advisor

·  Alerts - SIP Expiry, SIP Bounced, SIP Terminated.

·  Calculators

·  E-locker facility to save all your personal documents and insurance policy copies

 

Why Wealthy Earnings?

#1) Best funds for ever
We review all the mutual funds available in the market and recommend the best consistently performing funds.
You'll always have the best mutual funds in your portfolio.

#2) Regular advise about the market
Easily reachable to the investors for any kind of queries about the investment and funds
- When to Invest/Withdraw
- Where to Invest
- Why to Invest

#3) Zero Fees
Wealthy Earnings serve completely free to you.
Brokerages and banks typically charge you a per transaction fee for your mutual fund investments while wealthy earnings charges ZERO.

#4) Tax Calculation Assistance
Wealthy Earnings will generate your capital gains tax statement to help you file your advanced tax returns and annual IT returns.

#5) Family Accounts
A single login to track your entire family's mutual fund investments.

#6) No hassle of physical record maintenance
Report will be send to the investors on the regular basis (depends on the investors frequency)

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Features

Family Account

Access your family member's Portfolio
with one single login

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Transact Online

Invest Online in Lumpsum or SIP
in mutual fund schemes.

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Save Tax

Check out Tax Savings
and Invest into ELSS Funds

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Reports

View your current market value,
your profits & losses.

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Calculators

Calculate the amount of wealth
required for your goal

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Factsheet

Explore Mutual Fund schemes
and their performance

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Focused Funds

Check out our recommended funds
and invest into them

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Market Views

Get monthly market outlook
from the experts

E-Locker

Upload and save
your important documents.

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Mobile App

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

Types of Mutual Funds in India

There is a wide range of Mutual Funds in India, which is categorized on the basis of investment objectives, asset class, and structure.

  • Equity Mutual Funds

These schemes invest directly in stocks. These schemes can give superior returns but can be risky in the short-term as their fortunes depend on how the stock market performs. Investors should look for a longer investment horizon of at least 5 to 10 years to invest in these schemes.

 

  • Debt Mutual Funds

Debt Mutual Funds mainly invest in a mix of debt or fixed income securities such as Treasury Bills, Government Securities, Corporate Bonds, Money Market instruments and other debt securities of different time horizons. Generally, debt securities have a fixed maturity date & pay a fixed rate of interest.

 

  • Hybrid Mutual Funds

A hybrid fund is an investment fund that is characterized by diversification among two or more asset classes. These funds typically invest in a mix of stocks and bonds. They may also be known as asset allocation funds.

 

Different types of equity schemes :

ELSS (Equity Linked Saving Schemes): ELSSs are tax-saving mutual fund schemes with a lock-in period of three years. Their minimum investment in equities should be 80 per cent of the total assets.

 

Large Cap Funds: The large cap category of funds will also continue to invest in large cap stocks. But the minimum investment in large cap companies should be 80 per cent of the scheme’s total assets. These schemes invest in large-sized companies and thus carry lower risk than small and midcap schemes. Large cap schemes offer modest returns. 

 

Large and Mid-Cap Funds: This is a new category introduced by SEBI. These schemes will invest in both large cap and midcap stocks. These schemes would invest at least a minimum of 35 per cent in large cap companies and 35 per cent midcap companies. 

 

Mid Cap Funds: As the name suggests, these schemes will predominantly invest in mid cap stocks. This category would invest at least 65 per cent of their total assets in midcap stocks. These schemes bet on mid-sized companies and carry a little extra risk as these companies may or may not realize their full potential. If they do, these schemes give great returns. 

 

Small Cap Funds: These schemes will invest primarily in smaller companies. The minimum investment in the small-sized companies should be 65 per cent of the scheme’s total assets. These funds invest in small companies. These companies can be extremely risky. However, they can also offer phenomenal return. 

 

Multi Cap Funds: These schemes will continue to invest across large cap, midcap and small cap stocks. They are mandated to invest a minimum of 65 per cent of their total assets in stocks. 

 

Value Funds: The schemes in this category will follow the value style of investment. These schemes are mandated to maintain a 65 per cent allocation to equities. Value investment style is where the fund manager bets on stocks that he/she believes are undervalued. 

 

Focused Funds: These schemes will invest in a maximum of 30 stocks. The scheme would mention which market cap it tends to focus (multi cap, large cap, mid cap, small cap). 

 

Sectoral/ Thematic Funds: These schemes, as the name suggests, will invest in a particular theme or a sector. These schemes will have to invest a minimum 80 per cent of their assets in equity. Sectoral or thematic funds are generally considered risky for retail investors because their fortunes depend on the performance of a particular sector.

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Market Views

·         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. 

·         The Budget presented a policy continuum, with focus on fiscal prudence and some steps in capital markets, especially to help India Inc access global financial markets.

·         The last 18 months have seen risks emerge from wholesale funded NBFC, over-leveraged promoters having difficulty to roll-over debt etc. Over the few months, lot of these companies have managed to raise capital which is an encouraging development. With RBI introducing newer measures to help in transmission of interest rates, this fall in borrowing costs to India Inc will be viewed positively by markets.

·         Coronavirus – 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 will be dominated how the virus stats develops, especially in developed world.

·         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, 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.

Debt Outlook:

  • We believe we have seen peak of inflation in January 2020 with head line CPI at 7.35% . However based on current prices we expect the same to ease of to 7% and gradually trend towards the comfort zone. This will be positive from interest rates point of view
  • The government admitted to a fiscal slippage and pegged the Fiscal Deficit at 3.8% for FY20. But it stuck to the glide path the next year has been pegged the Fiscal deficit at 3.5%. To its credit, the government did not increase the market borrowing for the current year and next year borrowing program was also as per market expectations. We will have to see how soon India will be a part of Global Bond Index for further direction.
  • The geo-political Risk has moved from US-Iran to china WRT to Wuhan – Coronavirus. As of now the risk of a global slowdown is increasing i.e positive for interest rates. • Global risk-off led to bond yields falling sharply in US Treasuries;. The yields of other developed economies also continue to remain low. This may, sooner than later, lead to chase for Indian sovereign assets which are still offering high real rates.
  • As we said earlier, India is probably preparing for inclusion in Global EM bond indices. The union budget has paved the way for the same and hopefully this may see the light of the day by end of the year. This will be a huge positive for long bonds.
  • Liquidity is in huge surplus mode but market is yet to price this new phase. Positive liquidity is a more important tool than repo rate cut.
  • We maintain that due to ‘operation twist’ the rate cut cycle has been elongated by at least 6m. We expect at least 25-50 bps cut in the policy rates in CY20. Market may still be in denial mode which gives a window of opportunity for the long term investors.
  • 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.
  • We believe that the investment opportunity in short duration bond funds, banking and PSU funds, credit funds and dynamically managed duration funds is still present and becoming more attractive. Investors may look to invest in the funds depending on the scale of risk appetite and the investment horizon.
Debt Market Outlook:
12/03/2020 09:44:46
Equity Market Outlook:
12/03/2020 09:44:20
Debt
18/02/2020 18:22:10
 

Contact Us

Phone 6363700514,
Email help.wealthyearnings@gmail.com
Address: #202, 2nd Floor, RVS Sumeru, Near Aralikatte, Ganigarapalya, Bengaluru - 560062