Make your money work for you

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It is good to have Mutual Funds in your portfolio. Mutual funds will help the investors to build wealth with a small amount of money with the help of earning good returns. Before you make investments in any investment option you have to decode the cost. Cost doesn’t really matter in the fixed return products like FDs. The bank will rate your deposits after considering the cost and profits.
Bonds and traditional plans too work on the same logic. You need to consider certain factors such as the rate of interest, final payback, and current inflation rates. You need to think about cost in a market-linked product where the returns are linked to market conditions.

Market-Linked products carry 3 kinds of cost.

  1. Entry cost
  2. Ongoing cost
  3. Exit cost

Entry cost:

It is the cost to enter the product, also called “Front Load”. If you invest Rs 100, Rs 2 is cut-out so that Rs 98 is invested, the Rs 2 is called “front load”. A loan is a part of the price of the product which is invisible not usually disclosed.

Ongoing cost:

This is the annual fee that you need to pay to have experts to manage your money. This is also called as “Expense Ratio”. This is the fee charged by the company to manage the funds of the investors. The expense ratio depends on the amount of money you invest in the product. The market regulator “SEBI” has put a ceiling on charges.

  • Liquid funds- 14 paise to Rs. 10/- for every Rs 100/-.
  • Debt funds- 25 paise to Rs. 1.5/- for every Rs 100/-.
  • Equity funds- ranges between Rs. 2/- or Rs 3/-.

These numbers may look small but it forms huge amounts over the years. The fund with a lower expense ratio will get you a net return of 14.5 to 16% and the higher expense ratio will give you 13 to 15%.

Exit cost:

Third, an exit cost- it is the cost of selling the product. Funds will levy exit charges. This is a percentage of your corpus. The fund manager takes care of the cost of exit. Debt funds have zero exit cost and equity funds have an exit cost of 1% if you leave even before one year.
Always think on the cost that incurs to redeem your product after one, two and three years.

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Thus, the best way to evaluate a fund is by digging a bit deeper into the fees and also looking at the turnover ratio prior to investing. One can also invest in Mutual Funds and build wealth with Zero Fees and Zero Commission. Yes! That’s right. With MyWay Wealth, you can invest in Direct Plan Mutual Funds and start your journey to fulfill your financial goals. Remember! The probability of a successful portfolio increases dramatically when you do your piece of homework.

Invest in MyWay Wealth to make your money work for you!

A solution for your Emergencies

Emergency funds

Keeping money aside to face your emergencies is important. We all do have a situation where we need money – it can be a medical emergency, sudden job loss, disability or certain health issues which may stop you from earning. One should be very clear on the statement that – Your emergency funds cannot become your savings whereas your savings can be your emergency fund. Your savings and emergency funds are not the same. They are two different things. These two are differentiated based on an individual’s planned and unplanned expenses. Generally, savings are made to meet one’s planned expenses.

For example: Think about buying a car, where you will pull all your savings, take a loan or you borrow from your relatives or friends. These are events you can prepare and plan for. Then what about unplanned expenses? Sudden job loss, huge medical expenses, health issues that stop you from earning all these can be one’s unplanned expenses. This is why we create an Emergency Fund.

Savings and emergency funds are two different categories. Savings provide you the financial freedom to make an investment which can be for a short or a long term and helps you meet your financial needs. Whereas emergency fund provides you the financial security by assisting you in financial crisis.

How much you need for an Emergency Fund?

Roughly keep aside six months of your living expenses including your EMI, rent and school fee. You can increase or decrease this figure based on your personal situations. Say you have decided to have an emergency fund of Rs.1 lakh, in this case, you can put aside money of Rs 5,000 or Rs 10,000 every month. On being more specific:

  1. If you and your spouse both are working and have no dependents, in such cases, 3 months of your living expenses can be kept aside for an emergency fund.
  2. If you are a sole bread earner of in your family and you have many dependents then one year of your living expenses can be kept aside for an emergency fund.
  3. If you are risk-averse, then you can keep a year’s expense like an emergency fund.

Where you keep this money?

The money which you keep aside i.e., an emergency fund cannot be kept idle. So you can move these funds to a place where the accessibility is less and liquidity is high and offers better returns than a savings account. Accessibility is less because more often you cannot take out the money unless its an emergency.
Fixed deposits can be an easy option. Certain banks offer flexible FD’s that will allow you to sweep the money that you need without any additional charges. Hence you can go for it.

Another popular investment option is – “The Mutual Funds”. You can go for short- term debt funds to build an emergency fund. These debt funds offer you a better return when compared with FD’s. These debt funds are more flexible and the incident of tax is very less comparatively.

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Therefore, set yourself a target and plan accordingly. Make a regular monthly credit towards your emergency funds. Hence be prepared for uncertainties of tomorrow. If you don’t have anything saved towards an Emergency Fund, it is not too late to get started. So, start with MyWay Wealth.

The little you put, the more you can do!

Build your Portfolio with the right Asset class


We’ve grown up with FD’s, Real estate and Gold as a “Holy Grail” of investments. Let’s understand the true nature of all the investment options which you can include in your portfolio.

Basic finance is not tough to understand, but it’s good to have knowledge in finance which will help you in choosing the right product that suits your financial needs. Finance keep things tough because the less you understand, the more you can be cheated. It just takes common sense and some time to ‘get’ finance.

Before we choose the financial product, we do look into aspects such as the cost, the number of years you want to have that product, risk and security, and the post-tax returns that you earn.

There are various investment options available


Let’s talk on “Debt” as an Investment Option

When we hear the word “Debt” makes us think about all the debts that we have (car loan, house loan). Here the “debt” forms a part of your portfolio where you’ll get fixed returns likes your FD and Public Provident Fund. Debt is based on borrowing- where the bank will borrow money from you for a fixed and periodic return. The principal amount will be given back to you upon the completion of the agreed time period.

Why do you earn interest on your money?

  • Because you delay your consumption- you get compensated for this.
  • You bear the risk of the borrower not returning it.
  • You take the risk of money-losing its value (due to inflation).

Why do government bonds pay less interest?

Higher the Risk- Higher the Return. The more you get paid on your lending, the more risk you take (Risk→ non-payment of both your investment and interest is much higher).

Debt product with Guaranteed Return:

  • Public Provident Fund
  • Employees Provident Fund
  • Fixed Deposits
  • Corporate Deposits
  • Bonds


  • Debt product provides money at short notice and stability for long term investments.
  • These are safe, tax-free, and provide a solid core to your portfolio.

Why not put all your money into debt?

We want to be certain about what we get back in the future. If you drop your entire money into debt- your risk will be high, where the chances of getting the money back become doubtful. And also you can’t see the growth in debt when compared with Equities. Debt is for stability rather than growth.

Is there an alternative?

Yes! That is Debt mutual fund. They invest mainly in debt or fixed income securities such as corporate bonds, government securities that have various time horizons. The benefits of having Debt Mutual Funds are:

  • Unaffected by market volatility
  • Provides stability
  • Tax deductions
  • Highly liquid

To get access to Debt Mutual fund, MyWay Wealth is one top destination.

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Let’s talk on “Gold” as an Investment Option

We find that money kept in a bank is eroded by inflation. In order to mitigate risk and inflation, we started buying gold. Gold is treated as a weapon to fight inflation which means that- as the prices of gold rises, your money will not lose it’s purchasing power.

Can you make profits in gold?

You make a profit in gold- when there is a rise in prices. Adding on- profits you make will also depend on when you bought it and how long you held it for. Suppose you purchased gold

  •  3 years ago- you would have earned 2-3% returns.
  • 5 years ago- you would have got your investment back with zero returns.
  • 10 years ago- you would have earned 9-10% returns.

Thus, if you buy Jewell thinking that you’re making an investment- this is how your returns will vary.

Gold Jewell as an investment option:

Every investment we make has a cost attached to it, which can be seen or unseen- like making chargers for gold jewelry. When you sell Jewell, you’ll lose 10-30% depending on the purity of gold and making charges. So, buying gold Jewell as an investment doesn’t make sense.

Options to buy Gold:

  • Gold coins and bars.
  • Gold ETFs (Exchange Traded Funds).
  • Bonds issued by Government.

A smart investment decision you can make is to buy gold bonds issued by the government which will not only give you full market value when to sell the product but also gives you 2.5%-4% of returns every year.

Thus, when you buy gold do buy it sensibly where not more than 5-10% of your portfolio goes to gold and do not buy Jewell as an investment.

Is there an alternative?

Digital gold is relatively very new to the market. It is very simple and transparent to buy and sell gold instantly. Physical gold has limitations on safety and security issues. But there is another gold investment option that overcomes all the challenges of holding physical gold and that option is “Digital Gold”.

Are you looking for the best platform to make a gold investment?, here are some of the features of 24K Gold on  MyWay Wealth,

  • You can buy 24k Gold and skip the responsibility of safe-keeping and traditional lockers.
  • You can get a free and secure locker from BRINK’s, a global leader in gold custodian services with 100% insurance cover.
  • Sell your gold with one click, anywhere and any time.
  • Get your gold delivered to your doorstep, hassle-free.

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Let’s talk on “Real Estate” as an investment option

Real Estate is a must-buy thing for people with investing in their minds. After gold, people are obsessed with Real Estate. It is a “chunky investment” with a huge cost attached to it.

Why “Real Estate” is not a good investment option?

  • It is very limpid- you can’t sell in a hurry. You have to sell the whole property at once.
  • A huge maintenance cost-  you will incur periodic expenses to maintain it.
  • The risk associated is very high because they do not come with any guaranteed returns.

Why do we like it so much?

There are mainly three reasons why people go for Real Estate:

  1. Habit
  2. Black money
  3. Fear


we’ve heard stories about how the land in the village that cost just a few thousand is now valued at crores. The reason why people think real estate is a great investment because they just look into the returns ignoring the risk associated with it. The fact is that the time gap between selling and buying includes a maintenance cost, property taxes, brokerage, and insurance. The effective rate of return before considering these costs is what that matters to everyone. And again between the same time gap, a lot of things can happen and can go wrong as in like- the title can be disputed, the land can be grabbed, the tenant can create a problem.

Black Money:

The habit of black money is so strong that we can’t even imagine where a cash payment is an exception and full cheque is a norm. Unless you have illegal money stay away from real estate in India because the prices get inflated due to improper cash flow in the system and if corruption is cracked, you can’t see any price rise for decades.


People always choose real estate just because- the fear of unknown investment options. Earlier they had only a few investment options- gold, real estate, bank deposits where everyone has chosen to invest in, but now the presence of many guaranteed return investment schemes are stopping them. This is because the stock market scams in the past are haunting them.

Thus, we should be careful about where we invest our money. Before making investment count the cost which you may incur and also decide upon the period- for how many years you want to hold a particular investment. To see the true face of your investment- you can even look at the post-tax returns which you earn.

Go for a real gain, not just for the gold!

Think MyWay Wealth!!!

Let’s classify the portfolio for your investment


Portfolio Investment

“Price is what you pay. Value is what you get.”

—Warren Buffett.

We Indians are fond of gold, real estate, and Fixed Deposit. We should understand the nature of these investments and we should also focus on how these investments are going to give us profits.

The “three asset class” that we need to understand:

  1. Debt
  2. Real assets
  3. Gold


Imagine you have an ice cream cone, having scoops of various flavors that are balancing on top of another. You tasted it, also tried other flavors, liked some and disliked some. This experimentation of flavors is a simple process to understand which flavored scoop you liked the most.
Now let’s imagine that the ice cream into your investment portfolio; the scoops are the asset classes that make your portfolio. How do you decide which asset to go with, which combination to choose, etc?

Let’s understand the popular jargon “Debt Investment”:

Debt investment includes bonds, NSC (National Saving Certificate), FD (fixed deposits), corporate deposits, PPF(Public Provident Fund), EPF(Employee Provident Fund), etc. These products are essentially money given on loan to an entity by the government, or government-backed organization or other private companies.
The basic reason behind investing in debt fund is to earn interest income and capital appreciation. The issuer pre-decides the interest rate you will earn as well as the maturity period. That’s why they are termed as ‘Fixed Income’ securities.

In these products, two things are been fixed.

  1. How much you will get back?
  2. When you will get back?

As you are lending money to the bank or the bond issuer you are interested in the price of this loan.

The reason behind you are getting interest on your money:

  • Because you are not utilizing the money today and you have postponed the consumption.
  • Also, you have taken the risk of losing money by value to inflation.
  • By lending money you also take the risk of the borrower not returning it. And for all this, you need to be compensated, right?.

Debt products with guaranteed returns include:

  • Provident fund
  • PPF (Public provident fund)
  • Fixed deposit
  • Corporate deposit
  • EPF (Employees Provident Fund)

Why does the government pay low interest?

The higher the return, the higher the risk because without a benchmark there is no comparison of returns in finance. If somebody offers you a rate of interest that is much higher than a bank FD, understand that the risk of non-payment of both your investment and the interest on this deal is much higher.

Features of Debt investment:

  • Less risky than equity instrument and hence provide lower interest but consistent returns
  • They are less volatile than common stocks, with few highs and lows in the stock market.
  • Debt is good for stability but not for growth.

Real Estate

After gold, the next obsession is real estate. The risk is very high because you won’t be getting guaranteed returns. You would be paying huge maintenance costs periodically. It is very limpid you can’t sell it in a hurry because you have to sell the property at once.

Why do we like to invest in real estate?

There are basically three reasons why people would buy real estate.

  1. Habit
  2. Black money
  3. Fear

The reason people think real estate is a great investment is that they look at the returns in absolute terms. The flat that sold for Rs 1 crore was bought for just 10 lakhs, which is something we have heard so often.
But the fact is the distance between the buying and selling price is often huge. We should consider the costs of maintenance, property tax, brokerage, and insurance. The effective return rate, before any of these costs, is 12 percent a year.

Black money:

We all know gold and real estate have been the sumps of black money in India. Most of the transactions which happen are in cash and dealing with black money is like a treadmill – once you get on it you keep running with the money.


The third reason is to choose is just a fear of the unknown. We should be very careful where we invest our money. Gold, real estate, bank deposits are some of the common avenues where everybody wants to invest in. If making returns is your objective then Mutual Funds is an apt option as they give you better returns.
The Indian habit of gold, FD, and real estate is hard to break. But why buy the 60s/ 70s products when you have more financial products to invest in?. you should count the cost, count the years of investing, look at the post-tax returns to see the true face of your investment.


The first view is, buying Gold is the oldest kind of investing activity. There is a traditional Indian view of Gold as an excellent passive instrument, which protects you in bad times. The second view is that gold is a commodity that needs to be treated like any other commodity. And third, gold is viewed as an instrument, These views need to change. In the hours immediately after Prime Minister announced demonetization, the crowds that materialized at jewelry shops have experienced the above scenario. In India, the purchase of a large amount of gold is mostly limited to those who hide cash.
One should buy gold sensibly. It should not be more than 5-10% percent of your total portfolio should be invested in gold. One should not buy jewelry as an option of investment.

How to invest or hold gold?

  • Gold coins and Bars.
  • Gold Exchange Traded Funds (ETF).
  • Bonds issued by the government.

Can an individual make Profits from gold:

You can make a profit in gold when there is a rise in the price of gold. Profits also depend on when you brought it and how long you held it for. Here is an example.

  • 3 years ago, you would have earned 2-3% of returns on the Gold you invested.
  • 5 years ago, you would have got your investment back with zero returns.
  • 10 years ago you would have earned 9-10% returns.

Thus, if you buy Jewelry thinking that you’re making an investment- this is how your returns will vary.
MyWay Wealth offers you the option to invest your money into 24k Gold. That allows you to:

  • Buy the desired quantity or amount of gold above Rs 1000/- and purchase it at the live price quoted.
  • Track your gold value and transactions anytime from your gold locker.
  • Sell any amount of gold above Rs 1 and get the amount credited in your bank account within 72 hours.
  • And the final stage is to select any gold product of your choice when you have more than 1 gm locker and track your delivery.

MyWay Wealth

Hope this article helped you to understand Gold, Real Estate and Debt as investment options. Remember!

Check the product first to see if it suits your investment goal before you make your investments.

Learn to Evaluate Financial Instruments

Evaluate financial instrument


There are many financial products in the markets that can help you achieve your financial goals. Each product will have a specific role and serve a specific purpose. You need to evaluate a financial product before you include them in your portfolio.

Why you need to evaluate the investment options:

  1. Enables you to understand and choose “Right investment product” that suits your financial need.
  2. Enables you to differentiate between short term, mid and long-term ones.
  3. Evaluation helps you to predict and measure the “financial performance”- returns and risk.


Self-Defense when it comes to Life Cover

Building Your Protection.

life cover

“Term life insurance is part of a good defensive game plan”.

Dave Ramsey.

Each time we go to the doctor for a fever, we don’t really think of the cost too much right? The fee is affordable because we choose our doctors given our own spending power. The prescription medicines also don’t break the monthly budget. But when you encounter serious cases like surgery for liver infection or a heart attack or a knee replacement, the cost plays a significant role.

How much cover do I need?

First, let’s understand what is Family Floater Medical Cover.

A family floater is a comprehensive medical cover for the whole family. Usually, the family floater plan covers the individual, spouse, and the children, but certain insurance service providers also have provision to provide cover for dependent parents, siblings, and parents-in-law.

For Example: If you have a 15 lakhs Family Floater Medical Cover for a family for father, mother and two kids – any or all of them can use the cover in case of hospitalization. For the years which you have made no claim the outflow of premium feels heavier and heavier. But it takes one way in the hospital to see the usefulness of the premium you have paid.

What policy should I buy?

First, a fall let’s understand “co-pay”:

Your health plan may require a copayment or (co-pay). Whenever you receive medical insurance. Co-pay is a charge that you need to pay in order to receive a specific medical service.

Let’s make it easy with an example:
Your policy has a co-pay clause of 10% and your medical expenditure is Rs 60000/- you have to pay 6000/- out of your pocket and insurer will cover remaining Rs 540000/-. You need to know that some policies will not pay the full amount because you signed up for something called co-pay. Which is Not exactly helpful! Whereas, some policies have limits to what you can spend on hospital services. You need to find out if the TPA (Third Party Administrator) service is good or not wherein you have to also make sure that if the hospital network is large or not.

  • One is how does it perform on the metric of price
  • Two does it perform on the metric of benefits.
  • Three is how does it perform on the metrics of claims.


It is important to know what the policy costs, right now and in the future and how much u would be able to get. Unlike a life cover, where your premium gets locked when you buy a term cover, the premium also changes in medical cover changes as we age.


We buy a medical cover so that when faced with a hospital bill, we don’t have to exhaust our savings. The deal is simple: you pay an annual premium when you get hospitalized, the insurance company pays your money.
But then it’s a complicated world. The insurance company has the ability to set up the game so that you lose.

You need to find out the policy gives at least eight benefits:

  • Ensure that you have a policy that does not have something called a co-pay clause.
  • Check for a pre-existing disease clause.
  • Check if your policy has a disease waiting period.
  • Check if your policy has sub-limits.
  • Check for exclusions.
  • Ask how much of the costs before and after hospitalization the policy will cover.
  • Ask for a list of day care procedures that don’t need you to stay.
  • Look at the no claims bonus feature.


Your search for that good policy is not over until you understand the claims history of the company you finally choose. You know telecom service is good or not when you use it. So these are the questions that you must think about at the time of buying your policy. Ask the agents these questions on claims before you buy.

  • How many claims does the company settle?
  • Look at the claim-complaints data and look for a policy that has less than thirty.
  • Complaints on every 10,000/- claims made.

What to do if you are not getting coverage because of a pre-existing disease?

You can buy a policy with sub-limits, co-pays and with an exclusion period for your ailment. The sub-limits are the limits wherein the policy will pay for certain diseases and for the room rent and the cost related to it will be paid. And co-pay is where you agree to share the cost with the company. These are restrictive but better than not having a policy.

Strategies for Senior citizens:

Let’s understand what is top-up-plan:
In simple words when you are hospitalized, the insurance will pay you the sum insured. So if you top up it will kick your certain threshold limit.

Here is an example:

Top up health cover
Rs 10 lakh cover
Rs 5 lack of threshold
Covers between 5-10 lakh only
Regular health insurance
Rs 5 lakh cover
Covers only up to 5 lakh

Along with your work cover, you should have a family floater. You live in a small town in India and have a family floater between 3 and 7 lakhs. You live in the metro have a minimum of 15 lakhs family floater. You are over sixty have a top-up plan to bump up your basic cover.

A Quick Take Away

We have understood the importance of a Life Cover, as it helps us to protect our loved ones. What happens if you are not around your loved ones? You still want them to be happy and secured right? Hence its also important to consider another variant of insurance which is “Term Insurance”.

Advantages of Term Plan:

  1. Term insurance is the simplest form of life insurance to understand.
  2. Term insurance is a sensible choice for people who are building a family.
  3. Lower initial cost when compared to an endowment plan.

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We all know insurance can protect your family. MyWay Wealth protects your family with Term Insurance. Protect your family today and be a Hero!

Happy Investing!!


It’s wise to be prepared for Emergencies

(Emergencies Need A Fund)

be prepared

“Never invest in a business you cannot understand.”

        —Warren Buffett.

Many people fail to prepare for the future. We all know that financial security is important for every person. An emergency savings fund can help an individual to look forward without worrying about being unprepared for unexpected expenses.

Why people worry or get afraid when it comes to long-term commitments?

The answer is always or almost “What if there is an emergency? I won’t be able to use my own money if it tied up in a long-term investment.”

We typically need money ‘midway’ under two circumstances:

Planned eventsUnplanned events
Your car servicing.Large hospital bills
Making down payment for the home.Change of furniture or you can say gadgets
Sending kids to biz schoolJob loss
Going on a foreign holidayLoss due to natural calamities

Note: This may vary from an individual person point of view.

You should keep aside six months of your expenses including your EMI, rent and other expenses. You can increase or decrease this figure as per your personal situations. So if your emergency fund is Rs 1 lakh in these circumstances you can save Rs 5000 to 10000 as your monthly savings. Here are a few pointers that can help you:

  • If you and your spouse are working and have no dependents, in such a case, 3 months of your living expenses can be kept aside for an emergency fund.
  • If you and spouse are working and have dependents, then 6 to 9 months of your living expenses can be kept aside as an emergency fund.
  • If you are single and you are working and have no dependence, in such a case 2 months of your living expenses can be kept aside for your emergency fund.
  • If you are single and you are working and have dependents, then 6 to 8 months of your living expenditure can be kept aside for an emergency fund.

This can be easily understood in a tabular form:

DependentsExpenses If this is the case what should you do?
SingleMany Dependents6 to 8 months of emergency funds
SingleNo Dependent2 months of emergency funds
CouplesNo Dependent3 months of emergency funds
CouplesMany Dependents6 to 9 months of emergency funds

Where would you invest this money?

The worst thing you can do is leave the money soaking around in your savings deposit. The early and best-understood product is a fixed deposit. We’ve all grown up with our dads going to the bank to set up a ‘fixed deposit’. Now we can use the new banking technology to move money into and withdraw money from FDs without going through the painful process of filling the form at the branch. An alternative, rather better option is Mutual Fund. People who are familiar with it can use what is called short term debt funds to build an emergency fund. Debt funds are mutual funds that invest in fixed income securities like bonds and treasury bills.

Features of Debt Mutual Funds:

  • It earns better returns if you compare with FD(fixed deposit). The returns you earn is in between 6 to 8%.
  • It is more liquid than FD
  • Has higher post-tax return when we compare with FDs.

To get access to top recommended mutual funds, MyWay Wealth is a one-stop destination. Where you can invest your funds and can secure your future. MyWay Wealth offers you direct plans for investment. It also offers Debt, where you can create short-term wealth creation. All you need is a few minutes to complete your KYC process and input your monthly contribution.

Think about investment. Think MyWay Wealth.

Modi 2.0: Your Money & The Promised Land

Almost 72 years since independence and 16 Lok Sabha elections later, India seems to have identified the chosen one who will lead the country to glory (read as economic progress & social development)! This is perhaps the only time since independence that a governing party has been re-elected and rewarded with a clean sweep majority.

Major economies around the world are grappling with a variety of issues right from trade wars to Brexit ramifications, crude prices while the biggest impediment for India was uncertainty stemming from political instability. With this uncertainty out of the way, the road ahead offers more clarity.

I’m taking this opportunity to substantiate the euphoria & highlight India’s growth story potential that will help you decide and build your financial future here.


— Piggybacking the robust economic growth —

“We will sustain a growth of 7.5 to 8 percent per year” Modi was quoted saying while delivering a keynote speech at the Shangri La dialogue last year.
India is, in fact, poised for an economic turnaround on the back of improved capital flow, pick up in manufacturing, depth of global engagements and improving control on domestic macro-economic factors.


The key takeaway from the above graph is that independent India took over 60 years to enter the trillion-dollar economy club but only 7 years to double-up! The future beholds a $4 trillion economy and every Rupee invested in this economy is expected to grow in a similar trajectory.

Let’s make this more about you and less about the economy

I’ve been interacting with quite a variety of investors since years and can now confidently say, I DON’T understand investors! This election season only validated my situation where the more I know, the less I understand.Here’s the paradox I observed this election season –


Nobody wanted to invest since they believed that markets were too volatile & in a “correcting” phase. There were also concerns that the impending election results would erode their wealth.


Nobody wants to invest because everything went well, and markets touched all-time highs before they got a chance to enter – will wait till volatility resurfaces and markets correct.

Here’s what you can do as an investor to make the most of this new-found political stability & imminent economic spurt – don’t think, start doing. As long as you have long-term financial goals and have the right portfolio construct, the market level at which you enter does not really matter. While entering at current levels may entail a probability of minor loss in the short term but hopping onto the fence entails a definite loss of time & opportunity.

As an investor, it is recommended you design a portfolio with apt asset-allocation & high-quality funds and deploy it in the right way. While the mobile app takes care of all these parameters, you must reach out to our team in case there’s any concern or query that’s stopping you from participating in the Indian growth story.

Trade Wars for Dummies, Impact on Global Equities & More…

The week was abuzz with trade war talks as global markets tumbled and India followed suit, but the weekend showed signs of respite and increasing confidence as US-China attempt to renegotiate, albeit at a slow pace.

Global Market

While we sent in an elaboration on the US-China trade war and our opinion on it yesterday, many wrote back asking about more on what is a trade war & how does it work? So, here’s a brief guide to understand all that you must know about trade wars.

What is a trade war?

At a very high-level, trade wars are exactly what it sounds like – a war between nations but with trade tactics instead of guns & grenades.

Breaking it down

How trade works

Let’s say country A has been importing rice from country B. But now, country A does not want to continue business with country B, Country A imposes taxes (popularly known as tariffs) on imports from country B.

This makes goods purchased from country B more expensive to acquire for importers in country A and subsequently as business works, the importers reduce imports from country B and find alternative inexpensive sources. Now, this has impacted the country B economy as their exports drop.

Exports form an important part of a country’s economic progress. Exports bring in more foreign money into the exporting country and makes it richer to the extent. Think of an exporter as a shopkeeper and the importer as a customer – the more a customer buys, more the shopkeeper benefits; but, if the customer finds the shop expensive & finds another shop, this shopkeeper will lose out on earnings.

Global trade works on mutual import-export relationships between countries. Now, agitated with this move, Country B also imposes similar tariffs on imports from country A as a tit-for-tat action. This time, even country A’s economy is affected.

While the term “trade war” is highly subjective and there’s a thin line between simple economic decisions & an intentional attack on the other country’s economy, a series of tit-for-tat restrictive trade policies between two countries against each other can be understood as a trade war.

A trade war can be initiated due to a multitude of reasons which may include, but not be limited to, one country feeling that the exporter has been dumping goods in their economy, or if geopolitical differences spout or even something as simple as the country wishing to cut its import bills.

The takeaway for investors:

Stay put. Avoid investing a lump sum amount straight into equities – try to initiate a Systematic Transfer Plan or Systematic Investment plan to make the best of volatility. Also, the volatility in Indian markets are majorly induced by anticipations around the upcoming election results – if nothing, India stands to gain from the U.S.-China trade war.

If you have any concern, please write to us at or call at +918048039999, we would be happy to answer your query.

Make wiser investments in Gold

Gold funds

“Gold has two significant shortcomings, being neither of much use nor procreative”
-Warren Buffett

One of the most prominent investors of our time, Warren Buffett is known for his advice on investments is telling people to trade in anything but “gold”. However, we Indians love gold and just cannot let it go. It would be hard to find a person who has not invested in gold in one form or another. There are those who buy gold jewelry for different occasions like weddings, festivals, etc., while others look to make a profit.
“Gold is not an investment at all!” said the Vanguard founder and former CEO, John Bogle in an interview with CNN. “Gold is speculation. It has absolutely no underlying intrinsic value,” said the American investor, who is known for promoting Mutual Funds. An investment that only recently became popular among the average investor for its low-cost and high earning schemes.
Did you know that you can invest in gold through Mutual Funds? This investment vehicle collects the money and invests in physical gold without the hassles of storage and low yield. There are two ways you can go about it. One is to invest Gold Exchange Traded Fund (ETF) and the other is to simply invest in Gold Funds. Let’s see how they differ from each other :


Gold ETF

Gold Fund

  • Investor trades in the

physical gold through an exchange.

  • A Mutual Fund scheme which invests on the Gold ETF and other related assets.
  • Can be purchased from the stock exchange and requires a Demat account.
  • Can be purchased in Mutual Funds without a Demat account.
  • Gold ETFs are priced transparently based on international gold prices.
  • Gold Funds invest in Gold ETFs and other related assets, their NAVs are dependent on gold prices as well as prices of other assets that funds hold.
  • Gold ETFs typically require a minimum investment amount of 1gm gold which is close to Rs 3,000 at current prices.
  • Gold Funds allow a minimum investment of Rs 1,000 (as monthly SIP).


If you were determined to purchase gold, do so with the better investment vehicle. Since Gold Funds are professionally managed, they are preferred over physical gold, even though it holds less liquidity. Using the MyWay Wealth App, any person can trade in these funds with his specific appetite of risk. Explore More on Top Rated Gold Funds

So go for the real gain, not just for the gold!
Think MyWay Wealth!