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The Client’s investment objective is important, not the client’s fancy!

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Question: I need Rs. 60,000/- exactly after 3 years. So I would like to invest Rs. 1,700/- (Rs. 60,000/36 months = Rs. 1,667/- pm rounded off to next hundred). My assumption is that, even if my monthly investment of Rs. 1700/- did not even grow at all for the next 3 years, still I will be having Rs. 60,000/- intact.

So I also would like to have equity exposure to my investments. Hence, I would like to invest either in HDFC Prudence Fund or HDFC Balance Fund?

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Belief System

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Question: Your email tied in to a set of discussions I’ve been having recently on the importance of people in our business to have, what I call a “professional belief system”, a set of beliefs that define our professional conduct and our business decisions. In fact I’ve put together a small presentation which I call “Building a Belief System” (see attached). In these discussions, and in this presentation, one of the points I make is that the quality of beliefs depends upon the quality of what we read, hear and experience, and above all, the quality of our analysis of what we have read, heard and experienced.

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Mutual Fund Scheme for Children

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Question: The XYZ AMC has come out with a fund for children; ‘The XYZ Children’s Plan’. Do you think this is good fund to invest?

Mr. Gerard Colaco: ‘The XYZ Children’s Plan’ is a good fundNOT to invest in. This is a classic case of how an otherwise good Asset Management Company (AMC)/Mutual Fund can come out with a lousy investment product just to appeal to parental emotions to increase its Assets Under Management (AUM).

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Gold Savings Fund – NFO

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Question: In India so far one can invest in Gold in the form of ornaments, coins and bars. One can also invest in Gold Exchange Traded Funds (ETFs) in the Secondary Market through Demat and Trading Account. But in ‘XYZ Gold Savings Fund’ one can invest in gold, lump-sum and also go for monthly investment in gold through Systematic Investment Plan (SIP) like in any other equity mutual fund schemes.

Kindly let me have your advice on investing in Gold and XYZ Gold Savings Fund?

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