Impact analysis

Dear Valued Clients,

Season's Greetings!

As we begin the new financial year, I want to express my gratitude for the trust you've placed in me and my team. Despite current market volatility, I remain optimistic about India's growth prospects. Our well-diversified investment portfolios are designed to navigate challenges.

It's essential to stay informed and adapt to changing circumstances to mitigate potential risks. Historically, we've seen that markets can be volatile, but with a long-term perspective, we can navigate these challenges.

With China retaliating to Trump's fresh wave of tariffs, we might just be entering a dangerous new zone one that could trigger a consumption shock and force the Fed into a much deeper rate cut cycle than markets are pricing in.

If this escalates, the Fed won’t be easing into a soft landing it’ll be racing to rescue demand.

If world economic issues persist india will face issues too.Impact for us majorly would be in Tech, pharma and textile etc. industries.Expecting dollar weakness, deeper rate cuts in india, according to me first duration, and then risk on in 1-2 Qtrs.

Rather than focusing on short-term market fluctuations, I always encourage you to look beyond the noise. For example, despite concerns about tariffs, the significant drop in the u.s 10-year yield since Trump took office represents stealth refinancing on a historic scale, with:

- Trillions in interest savings

- More breathing room for the government

- Less inflationary pressure

This proactive approach can have a positive impact on the economy and markets.

India and the global economy face numerous challenges, but focusing on the positive aspects can help us navigate these issues and build wealth.

Positive for India:

1. *Strong Domestic Consumption*: India's domestic consumption story remains strong, driven by a growing middle class and increasing disposable incomes.

2. *Government Initiatives*: The Indian government's initiatives, such as Make in India, Digital India, and Startup India, are expected to boost economic growth and create new opportunities.

3. *Infrastructure Development*: India's focus on infrastructure development, including roads, railways, and airports, is expected to improve connectivity and boost economic growth.

4. *Demographic Dividend*: India's young population is expected to drive economic growth and provide a demographic dividend.

5. *Growing Services Sector*: India's services sector, including IT and ITES, is expected to continue growing and driving economic growth.

Positive for Global Markets:

1. *Global Economic Growth*: The global economy is expected to continue growing, driven by a recovery in trade and investment.

2. *Monetary Policy Support*: Central banks around the world are expected to continue providing monetary policy support to boost economic growth.

3. *Fiscal Policy Support*: Governments around the world are expected to continue providing fiscal policy support to boost economic growth.

4. *Technological Advancements*: Technological advancements, including artificial intelligence and renewable energy, are expected to drive innovation and boost economic growth.

5. *Emerging Markets Growth*: Emerging markets, including India, are expected to continue growing and driving global economic growth.

What makes me Positive :

1. *Low Interest Rates*: Low interest rates globally are expected to continue supporting economic growth and boosting financial markets.aggrassive expect Rate cuts shortly.

2. *Increased Global Trade*: An increase in global trade is expected to boost economic growth and drive financial markets.

3. *Growing Middle Class*: A growing middle class globally is expected to drive consumption and boost economic growth.

4. *Innovation and Disruption*: Innovation and disruption, driven by technological advancements, are expected to drive growth and create new opportunities.

5. *Increased Foreign Investment*: Increased foreign investment is expected to boost economic growth and drive financial markets.

Here's why I encourage you to continue investing:

- Long-term focus: Our portfolios are designed for long-term growth.

- Diversification: We've reduced exposure to any one market or sector.

- Growth opportunities: Current market volatility presents chances to buy quality assets at discounted prices.

To navigate the current market:

1. Stay the Course: Focus on long-term goals and avoid impulsive decisions.

2. Rupee-Cost Average: Invest a fixed amount regularly, regardless of market conditions.

3. Rebalance Your Portfolio: Periodically review and adjust your portfolio for optimal asset allocation.

For those pursuing F.I.R.E:

- Stay focused on long-term goals

- Avoid letting short-term market fluctuations derail plans

- Live below your means, invest aggressively in a diversified portfolio, build multiple income streams, and plan for tax efficiency

If you have any questions or concerns, please don't hesitate to reach out. I'm always here to help with all your mutual fund, investment, and insurance service needs.

Thank you for your continued trust in my services

*Views are personal*

Regards,

Ritesh Sheth

CWM (Chartered Wealth Manager)

Amfi registered Mutual fund distributor

ARN-0209

EUIN- E030691

*Disclaimer*: Mutual fund Investments are subject to market risk. Please read the offer documents before investing. The schemes/services/offers/products provided on this message do not constitute an offer to sell or buy of mutual fund for units/products to any person. It shall be the sole responsibility of the person to verify genuinely of such information whether the usage of this and/or availing the services/facilities/products is in conformity with personal understanding.

Invested in equity mutual funds in recent time and the values are now down, here are few observations:

Short-Term Perspective (Less than 6 months)

1. Avoid Panic Selling: Refrain from selling investments during a downturn, as this can lead to locking in losses.

2. Stay Invested: Ride out the volatility, and consider the current downturn as a temporary correction.

Medium-Term Perspective (6 months to 2 years)

1. Rupee-Cost Averaging: Continue investing a fixed amount of money at regular intervals, regardless of the market's performance.

2. Rebalancing: Review the portfolio and rebalance it to maintain the original asset allocation.

Long-Term Perspective (More than 2 years)

1. Time in the Market: Remember that equity investments are long-term in nature. Historically, equity markets have provided higher returns over the long term.

2. Rupee-Cost Averaging: Invest a lump sum amount in a staggered manner to reduce the impact of market volatility.

3. Tax Efficiency: Consider the tax implications of selling investments. If the investment is held for less than a year, the gains will be subject to short-term capital gains tax.

Additionally 

1. Review and Adjust: Assess the investor's risk tolerance, investment horizon, and financial goals. Adjust the investment strategy accordingly.

2. Diversification: Ensure the portfolio is diversified across asset classes, sectors, and geographies to minimize risk.

3. Professional Advice: Consult with a Mutual fund distributor, financial advisor or a registered investment advisor to get personalized advice.

By following these observations, investors can navigate the current market downturn and make informed decisions to achieve their long-term financial goals.

Please Note Views are Personal

I am here to assist you with all your mutual fund investment service needs. 

Please feel free to contact me.

Regards,

Ritesh Sheth CWM®

(Chartered Wealth Manager)

Amfi registered Mutual fund distributor under 

ARN-0209 EUIN- E030691.

ARN Date of initial registration - 16-AUG-2002 Current validity of ARN up to - 01-Oct-2027.

Disclaimer:

Mutual fund Investments are subject to market risk please read the offer documents before investing.

The schemes/services/offers/products provided on this message do not constitute an offer to sell or buy of mutual fund for units/products to any person. It shall be the sole responsibility of the person to verify genuinely of such information whether the usage of this and/or availing the services/facilities/products is in conformity with personal understanding.

Stay Ahead of Market Volatility with SIPs & Additional Purchases

"Ride the Market Waves with SIPs"

When markets dip, don't lose your grip,

Your SIP (systematic investment plan) invests, and your wealth starts to rip!

Each month's low, a smart buy for you,

More units gathered, less volatility to pursue.

When markets soar, units may be few,

But past investments shine, with returns anew!

Old purchases, now a treasure to see,

Compounding wealth, in a grand legacy.

Falling trends? A hidden opportunity,

Long-term SIPs, a promise of prosperity!

Patience and faith, your guiding lights,

Market dips, a stepping stone to new heights!

So invest steadily, don't let fear take hold,

History proves, markets rebound, young and old!

With SIP's steady hand, and a wise, long-term view,

Your wealth will rise, and your dreams come true!

Seize the Opportunity

When markets are low, consider investing a lump sum to maximize your returns. This strategy can help you:

- Buy more units at a lower price

- Reduce your average cost per unit

- Potentially earn higher returns in the long run.

Happy Investing!

Start your SIP journey today or invest a lump sum to make the most of the current market conditions. Contact me to learn more about SIPs and how they can help you achieve your financial goals.

Best regards,

Ritesh Sheth

CWM® (Chartered Wealth Manager)

Amfi registered Mutual fund distributor

ARN-0209 | EUIN- E030691

Disclaimer

Mutual fund investments are subject to market risk. Please read the offer documents before investing. The schemes/services/offers/products provided on this message do not constitute an offer to sell or buy of mutual fund for units/products to any person.

Please verify the authenticity of this information before taking any investment decisions.

The Union Budget 2025

The Union Budget 2025 aims to accelerate growth, secure inclusive development, and invigorate private sector investments. The budget focuses on seven key areas: agriculture, MSMEs, investment, exports, villages, youth, and women.

*Key Highlights:*

- *Agriculture*: The government plans to increase agricultural productivity through the Prime Minister Dhan-Dhaanya Krishi Yojana, which will cover 100 districts with low productivity.

- *MSMEs*: The investment and turnover limits for MSMEs will be enhanced to promote growth and employment.

- *Investment*: The government will invest in people, economy, and innovation, with a focus on education, healthcare, and infrastructure development.

- *Exports*: The government aims to promote exports through various initiatives, including the establishment of a National Manufacturing Mission.

- *Villages*: The government will focus on rural development through initiatives such as the Jal Jeevan Mission and the Rural Prosperity and Resilience programme.

- *Youth*: The government will invest in education and skill development initiatives to promote youth employment and entrepreneurship.

- *Women*: The government will promote women's empowerment through initiatives such as the Bharatiya Bhasha Pustak Scheme and the National Institute of Food Technology, Entrepreneurship and Management.

Additionally:

- Increased Basic Exemption Limit New Tax Slab.

- Standard Deduction Increase.

- Increased Tax Rebate Limit.

- Direct tax code.

- Boost to Consumption.

The Union Budget 2025-2026 should improve economic and market sentiments in an uncertain global order and boost investor confidence. Despite short-term market volatility, robust fundamentals make India a promising opportunity for long-term investors. 

Introduced policies designed to promote long-term growth and sustainability in critical sectors such as agriculture, infrastructure, energy, healthcare, and technology. 

By aligning with these growth themes, investors can potentially benefit from rising opportunities in the stock market and mutual funds providing lucrative options for investors seeking exposure to India’s evolving economic landscape.

*Aggressive equity fund Investors* : may look to mutual funds focusing on small-cap and mid-cap funds as well Sector funds like infrastructure, clean energy, FMCG,banking and financials are expected to outperform.

*Moderate equity fund Investor*: may look to mutual funds focusing on Flexicap funds and multicap funds with a mix of sector funds.

*Conservative equity fund Investor*: may look to mutual funds focusing on Dynamic asset allocation funds with mix of large cap funds , large and midcap funds and flexicap funds 

*Please Note Views are Personal*

I am here to assist you with all your mutual fund investment service needs. Please feel free to contact me.

Regards,

Ritesh Sheth CWM®

(Chartered Wealth Manager)

Amfi registered Mutual fund distributor under 

ARN-0209 EUIN- E030691.

ARN Date of initial registration - 16-AUG-2002 Current validity of ARN up to - 01-Oct-2027.

Disclaimer:

Mutual fund Investments are subject to market risk please read the offer documents before investing.

The schemes/services/offers/products provided on this message do not constitute an offer to sell or buy of mutual fund for units/products to any person. It shall be the sole responsibility of the person to verify genuinely of such information whether the usage of this and/or availing the services/facilities/products is in conformity with personal understanding.