4 mistakes to avoid while investing in derivatives

4 mistakes to avoid while investing in derivatives

To err is human. To learn from these mistakes and invest better later is a sign of a good investor. Investing in futures and options is a great way to hedge your bets and make money in the stock market. However, not all investors do it correctly right from the beginning. That’s why, here is a list of mistakes you can avoid when you invest in derivative investments.

1) Not having a proper exit strategy
When the clock strikes 5:30, you know it is time to leave the office and head home (or wherever your evening plans take you). This is a proper exit strategy. Unfortunately, many investors don’t know when to get out of derivative investments.

a) You need to know when to exit when you are not doing well
b) You need to know when to exit when you are doing well

For example, you may have made a long call option hoping that the price of the stock would increase significantly over the strike price before the option expires. But if that’s not happening within the period, exit the option and seek better trades or long term derivatives. At the same time, know when to exit on short term derivatives when you are making a profit. Don’t wait on a profitable trade because you are hoping for the price to increase before the option expires. Stay too long and the tide can reverse at the blink of an eye.

2) Having unrealistic expectations
Yes, there are a lot of traders in the market who do nothing but invest in futures and options all day. But that doesn’t mean you should quit your day job too. The derivatives segment does offer incredible opportunities for success in the financial market. But in order to avoid mistakes investing in derivatives and reach that stage, you need to gain lots of knowledge and experience. Don’t have unrealistic expectations just when you start investing. This can often lead to frustration and irrational decisions in the market. Have patience and focus on your investment goals one trade at a time.

3) Doubling up to compensate for losses
Many traders double up when the price of an asset has moved in the opposite direction. Doubling up is a strategy where the investor doubles his position in the option. This is to earn a larger return when the stock price moves to a more favourable position. Guess what, this strategy is highly risky and rarely works. At such times, it is best to close your trade and minimize your losses.

4) Lack of self-discipline
In a stock market, the price of a security either moves up or down. But when it comes to derivatives, you can have multiple futures and options contracts on a single security. And that’s why the derivatives segment can be quite risky. One of the tips to investing in derivatives is to have self-discipline to ensure good decision making and long-term success in the derivatives segment. Don’t act on unsolicited tips or rumours in the market. Always make an investment decision after you have conducted your own research.

The only people who don’t make mistakes in investing are time travellers. But since the technology has not been invented yet, you can be assured that everyone fumbles. But the important thing is to minimize your losses at such times. Have a proper strategy and trade accordingly. By avoiding the above mistakes, it is possible to perform better in the derivatives segment.
The stock market can be an exceptional investment approach that can offer bounteous yields and help you accomplish your financial goals, through smart investments. However, if you are hesitant in diving into the stock market, as a beginner, you may want to conduct due research and avoid the mistakes mentioned above. Alternately, you could also seek the help and assistance of a certified financial professional, to best understand the approach you need to take while investing in the stock market.

Disclaimer: Investment in securities market / Mutual Funds are subject to market risks, read all the related documents carefully before investing.


Small Cap Mutual Funds - Best Small Cap Mutual Funds to invest in 2019

When it comes to making investments, there are a lot of options for people to invest in. The primary aim of investing is to grow capital so that it reaches the investor’s goals. When it comes to investments that grow fast, equities top the list. Investing in equities can get tedious for an investor since it requires a fair amount of study and research about the company and the sector that it operates in. To reduce the risk involved, one alternative is to invest in equities through mutual funds. Mutual funds are vehicles that pool resources from investors and invest the funds in a range of assets. These assets may be equity shares, fixed income instruments, corporate bonds, government securities, money market instruments etc. The alternative for people looking to invest in equities is to pick an equity mutual fund. Depending on the type of equity shares that the mutual fund house invests in, they can be classified as: • Large cap mutual funds• Mid cap mutual funds• Small Cap mutual funds What is Small Cap mutual funds? Small Cap Mutual funds are funds that invest primarily in Small Cap stocks. Small Cap stocks are those shares which are ranked beyond 250 in terms of market capitalization. These are generally small companies which are fast growing in their business. Their business may or may not be established just as yet, which means they are a risky proposition to invest in. This is because their value depends more on their performance and on external factors driving their business. As such, even though Small Caps are risky, they are an excellent investment opportunity since they can grow in terms of value and market capitalization in the medium to long term. Whenever Small Cap stocks show growth, they tend to outperform large caps. However, when the markets fall, Small Caps are impacted first. Small Cap stocks started becoming more popular off-late when inflated valuations compounded investors’ returns in just a few months. However, these stocks have taken a beating in the year 2018 and have broadly underperformed the market in the year 2019. But does that mean one should stay away from Small Cap stocks? The best way to invest in Small Cap stocks is to pick out Small Cap mutual funds. Small Cap mutual funds reduce the risk since they invest in a range of Small Cap stocks. However, since Small Cap mutual funds are managed by a professional manager, these picks are based on research and company fundamentals as opposed to cherry picking. When should you invest in Small Cap funds: 1. If you have a high risk appetite:Small Cap mutual funds are highly risky. Their performance is very sensitive to market movements. These funds give tremendous growth when the market is in a bullish phase but during a bear phase, they show negative returns i.e. loss of invested capital. In case you can’t bear that high risk, invest in small amounts or invest in safer large cap funds that have lower returns but provide much better safety of invested capital. 2. If you have a long investment horizon:Investing in Small Caps is not a strategy for the short term. Since Small Cap mutual funds are sensitive to market movements, any short term bear phase may pull their value down. This may not necessarily reflect their underlying value or the performance of the stocks that they hold, but it can lead to negative returns as most funds experienced in 2018. Small Cap mutual funds are long term investments. The top Small Cap mutual funds provide inflation beating returns over the longer term when short term fluctuations even out. How to pick the best Small Cap mutual fund for investment: Small Cap mutual funds 2019 have shown growth as compared to the fall in 2018. Funds that have invested in good quality stocks showing good business fundamentals are showing good returns. Top Small Cap mutual funds are showing returns and have turned attractive for investors once again. 1. Check their past performance:While the past performance of a fund is no indicator of the future growth potential, it can speak volumes about the stocks that comprise the portfolio. If the mutual fund has not fared badly in a bearish market, it is testament to the quality of stocks in its portfolio. Compare the past performance against the growth of the broader Small Cap indices to make a decision. 2. Check their expense ratio:The expense ratio is the ratio of total expenses incurred by the mutual fund against the total assets of the fund. A high expense ratio means a larger portion of the assets are being used to fund administrative and selling expenses. This does not translate into a higher return for the investors. The best Small Cap mutual funds do not have high expense ratio. The expense ratio limits as per SEBI depend on the assets under management (AUM): • 2.25% - AUM of Rs. 500 to Rs. 750 crores• 2% - AUM of Rs. 750 to Rs. 2,000 crores• 1.75% - AUM of Rs. 2,000 to Rs. 5,000 crores• 1.5% - AUM of Rs. 5,000 to Rs. 10,000 crores• A 0.05% reduction for every Rs. 5,000 crore increase in AUM• 1.05% - AUM above Rs. 50,000 crores Checking the expense ratio against the ceiling is a good way of finding the right mutual funds. 3. Look into their sectoral allocation of funds:Checking which sectors the mutual funds invest in can be helpful in deciding where to invest funds. If the mutual fund is investing funds in highly risky sectors that are going through turbulence, then that will not translate into good results for the fund and consequently, your investment. 4. Entry or exit loads:Entry loads reduce the amount invested whereas exit loads reduce the net return on your investment. It is essential to pick a fund that has no exit load or one that has low exit load so as to get maximum returns on your investment. Here is a list of top Small Cap mutual funds that research experts at IndiaNivesh Wealth Management recommend to have as a part of your portfolio. Investing in Small Cap stocks can be a risky affair. A good broker house like IndiaNivesh can help you with good research reports that can help you invest in Small Cap mutual funds. So why wait, open a demat account with IndiaNivesh and enjoy the benefits that it has to offer.Disclaimer: Investment in securities market / Mutual Funds are subject to market risks, read all the related documents carefully before investing.

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Mistakes to avoid while investing in mutual funds

There are bound to be a few mistakes in the initial phase of a new venture. It is no different with a mutual funds investment. But what if you had a cheat code to avoid these mistakes? This article is merely that -- it points out the mistakes you may make while making a mutual funds investment. Let’s look at some of the common goof-ups. 1) Waiting too long to invest: The best time to invest was 20 years ago. The next best time is now. However, many people avoid taking the first step because they think they don’t have sufficient funds to invest. This is a wrong approach. With mutual funds investment plans, you can start investing with very small sums of money. Even Rs 500 is enough to get started. The power of compounding ensures that even small amounts can grow into larger sums over time. The longer you wait, the more you miss out on the benefits that mutual funds investment basics offer. Start investing early to maximise your financial returns.  2) Panicking: Warren Buffett, the great investment guru, explains that you should buy low and sell high. However, a common mistake among investors is to panic when the market turns bearish. They dump their equity funds to minimize their losses. In other words, they start investing when the market is at a high and exit when the tide turns the other way. This strategy is the exact opposite of successful investing. It is common for the market to go through bullish and bearish cycles. But that doesn’t mean you react to these short term changes. When you invest for the long term, you should avoid panicking by continuing your regular investments month after month.  3) Investing without a plan: There are thousands of mutual funds in the market. And each fund is designed to help investors meet specific investment goals. If you invest randomly without a proper financial plan, you can make the mistake of picking the wrong funds in mutual funds and investment for a better future. For instance, equity funds are good for long term goals but for short term goals, it is better to invest in debt funds. By creating a detailed financial plan and investing accordingly, you can meet all your financial goals at the right time.  4) Not monitoring your funds: Investing is not an exact science. You can do a lot of analysis and pick out the best mutual funds that you hope will perform. But that may not always be the case. It is possible for funds to underperform from time to time. And you can know this only if you keep an eye on your funds. You should monitor your funds on a regular basis to ensure that they are performing up to your expectations. If not, it may be necessary to replace them with better alternatives. But that said don’t scrutinize the performance on a daily basis. The stock market can be volatile and you don’t want to worry about each up and downturn in the market. Have a proper time horizon and monitor accordingly.  5) Stopping your SIPs: Systematic Investment Plans (SIPs) offer the best returns when you invest consistently on a regular basis. However, many investors wrongly assume that by timing the market and only buying mutual fund units at low prices, they can get higher returns. When you stop your SIP, a smaller amount of money is being invested. It is best to continue your investments to achieve Rupee cost averaging over time. Conclusion It is a good idea to invest in mutual funds. But to maximise your returns, it is necessary to avoid some of the common pitfalls. Now that it is clear you know how to avoid while investing in mutual funds, you can successfully create a good corpus to meet your financial goals over time.Disclaimer: Investment in securities market / Mutual Funds are subject to market risks, read all the related documents carefully before investing.

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With its “client-first” approach, skilled and experienced team members and state-of-the-art research and technological capabilities, you can be rest assured that your financial interests are in safe hands.  Disclaimer: Investment in securities market / Mutual Funds are subject to market risks, read all the related documents carefully before investing.

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  • Gold Exchange Traded Funds (Gold ETFs) - Overview & how to invest in it

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You need to buy a minimum of one gram of gold which is equivalent to one unit of Gold ETF. Investors can invest in Gold ETFs from any location in India. Moreover, the difference in price (due to GST) will not be applicable.3. Cost efficiencies: Unlike many investment avenues, there are no entry or exit loads with Gold ETFs. The only cost involved would be the brokerage fees. 4. Risk: Unlike physical gold, there are no storage hassles or theft fears with Gold ETFs. Additionally, gold prices are not prone to frequent fluctuations. This makes Gold ETFs a relatively safer choice. 5. Tax efficiencies: Gold ETFs do not attract any wealth tax or securities exchange tax. Also, if they are held for a period of more than one year, the gains are treated as long-term capital gains. For anyone interested in holding gold, these ETFs provide a tax-efficient alternative. 6. Diversification: Gold ETF investments can help to bring diversity in the investment portfolio. During volatile market conditions, they can help to stabilise or improve the overall returns for you.7. Collateral: Gold ETFs are accepted as security collaterals for loans or capital borrowings by many financial institutions. Why is investing in Gold ETFs better than traditional forms of gold? You do not need to worry about impurities or adulteration in the metal As ETFs are held in electronic form, there are no storage related issues or costs Easy trading on the stock exchanges and hence high liquidity Real-time tracking of investments No mark-ups costs such as making charges, wear and tear involved The price of Gold ETFs remains the same throughout the country. However, the gold prices can vary from one location to another.  How does Gold Exchange Traded Fund work? The investment is converted into unit of gold basis the cost applicable at the allotment time. For instance, the cost of gold (per gram) on a particular day is Rs. 3000. Ms. X wants to invest Rs. 60,000 in Gold ETFs. Her investment amount will get translated into 20 gold units. At the back-end, physical gold acts as security for these ETFs. For example, if you invest in Gold ETFs, the entity at the back-end purchases gold. They act as the custodian for the investment and also guarantee for the purity of the metal. The stock exchanges assign the responsibility of buying and selling gold to authorised members or participants which in turn can be used to issue ETFs. These are usually large companies. As a result, these authorised members ensure that there is parity between the gold cost and ETFs. How to invest in Gold ETFs? Gold ETF investments are a simple affair.1. Choose a broker or fund manager: Many financial institutions (including banks) offer Gold ETF products. Similar to the online share trading, you would need to reach out to a fund manager or a firm which will trade on behalf of you.2. Demat and Trading Account: In order to invest in Gold ETFs, you need to have a demat account and an online trading. You can apply for these accounts online with the broker or such service provider by providing details like PAN, Identity Proof, residential proof, photograph and a cancelled cheque (for bank account linkage).3. Online Order: Once the accounts are in place, you can select the desired Gold ETF and place the order through the broker’s online portal. You can also opt for Mutual Funds which have an underlying Gold ETF.4. Confirmation: The placed orders are then routed to the stock exchange. The purchase orders are matched with the corresponding sell orders and accordingly executed. A confirmation email or message is sent to you. Who all should invest in Gold ETFs? Gold is a relatively safe and stable investment. Its prices do not fluctuate as much as equities. Hence, Gold ETFs can be a good choice for you, if you do not want to take too much risk. Additionally, since these ETFs are tradeable easily on the stock exchange, they are useful if you are looking for an investment opportunity with high liquidity. Hence, it is a good option for you to diversify your portfolio. So, if you meet the requisite objective of investment, Gold ETF is a good option for you as well. Things to keep in mind while investing in Gold Exchange Traded Funds Here are some tips that you could use while investing in Gold ETFs Gold is generally considered as a stable asset. However, you should not forget that the Net Asset Value (NAV) of Gold ETFs can also fluctuate basis market volatility As an investor, you need to bear brokerage fees or commission charges for Gold Exchange Traded Funds. Hence, you should check these costs while deciding on the broker or fund manager However, you should not make the decision on the basis of price alone. Consider the broker/ fund house’s past track record, services provided, type of clients handled etc. before choosing the service provider Do not over-invest in Gold ETFs. It is usually suggested to restrict investment in these ETFs to 10% of the entire portfolio. Final Words A smart investor knows that all that glitters is not gold. A good fund manager or firm helps choose the best Gold ETF products in India. IndiaNivesh, a well-known financial services company can help in this regard. With their rich experience in the Indian market and in-depth understanding of the financial ecosystem, they have helped numerous customers to grow their wealth and fulfill their financial goals.Disclaimer: Investment in securities market / Mutual Funds are subject to market risks, read all the related documents carefully before investing.

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