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Aditya Shah Profile picture
@AdityaD_Shah
Jun 29, 2024 • 14 tweets • 4 min read • Read on X
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Debt Mutual Funds

So many categories of Debt Mutual funds like
1. Liquid fund
2. Short term fund
3. Gilt funds
and many more

Which one should u choose?🤔🤔

A thread🧵 on various types of debt funds and which one to choose?

Lets go👇 Image
What are debt mutual funds?

Mutual funds that invest in fixed income Image
Types of Debt Funds

Based on the fixed-income securities they invest in
1. Liquid
2. Overnight
3. Short term
4. Gilt fund
5. Banking and PSU debt fund
6.Dynamic Funds
7. Medium Duration Funds Image
Liquid Funds:- Image
Overnight Funds:- Image
UltraShort term funds:- Image
Short term funds:- Image
Medium Duration funds:- Image
Long Duration Funds:- Image
Dynamic Funds Image
Gilt funds:- Image
Corporate Bonds Image
Banking and PSU debt funds Image
Keep following me -@AdityaD_Shah as I write daily to make you aware around:
📈Personal Finance
📈Investing
📈Stock Analysis

Go to my profile and hit the bell icon🔔to always stay updated

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More from @AdityaD_Shah

Aditya Shah Profile picture
Sep 22
🚨Mutual Fund Analyser Series-Hybrid Funds

Hybrid funds have a combination of debt and equity,

What are the different types of hybrid funds available?
How are hybrid funds taxed?🤔🤔

A thread🧵on different types of hybrid funds and who u invest in them?👇 Image
What are Balanced funds?

Balanced funds, also known as hybrid funds, are a class of mutual funds that contain a debt component and a stock (equity) component in a specific ratio in a single portfolio.

i.e. The same mf scheme will hold Debt as well as equity investments
These funds have various categories:

Aggressive hybrid funds (65-80% equity)
Balanced hybrid funds (40-60% equity)
Conservative hybrid funds (10-25% equity)
Read 20 tweets
Aditya Shah Profile picture
Sep 19
🚨Specialized Investment Fund(SIF)-Mutual funds with short positions!

Quant Mutual Fund has just launched India's first long-short SIF

What are SIFs?
Should u invest in an SIF?

A thread🧵on SIFs and should u invest in them?👇 Image
What are Mutual funds?

A mutual fund is an investment fund that pools money from many investors to purchase securities.
Mutual funds in India are not allowed to take short positions.
They are mostly long-only products,

So SEBI created a new asset class
What is Specialised Investment Fund(SIF)?

The Specialized Investment Fund (SIF) is a new category of investment product introduced by SEBI to bridge the gap between Mutual Funds (MFs) and Portfolio Management Services (PMS).

SIFs aim to provide a middle ground, offering portfolio flexibility while ensuring regulatory compliance and investor protection.
Read 13 tweets
Aditya Shah Profile picture
Sep 18
🚨Debt Mutual Funds-which one to choose?

So many categories of Debt Mutual funds like
1. Liquid fund
2. Short term fund
3. Gilt funds
and many more

Which one should u choose?🤔🤔

A thread🧵 on various types of debt funds and which one to choose?

Lets go👇 Image
What are debt mutual funds?

Mutual funds that invest in fixed income Image
Types of Debt Funds

Based on the fixed-income securities they invest in
1. Liquid
2. Overnight
3. Short term
4. Gilt fund
5. Banking and PSU debt fund
6.Dynamic Funds
7. Medium Duration Funds Image
Read 14 tweets
Aditya Shah Profile picture
Sep 10
🚨Asset Allocation-Your friend in bad times

Should you invest all your money in equities/shares?
Should you diversify among asset classes?

S Naren called out for people to follow Asset allocation
What is asset allocation and how can you do it?

A thread🧵 on Asset Allocation and why it is your savior in bad times?

Lets go👇Image
What Is Asset Allocation?

When you save money, you have the below options for investing -

🏦Equities
🏦Debt
🏦Real Estate
🏦Gold

A proper asset allocation will help you with the right mix in each of the asset classes in a proportion that is commensurate to your risk profile Image
Let's understand these assets more!

Equities -

Sole purpose of Equities is to GENERATE wealth

Ownership of business

Amongst the most volatile asset classes + highly risky (hence, the returns also tend to be high)

Only asset class that can compound in double digits Image
Read 11 tweets
Aditya Shah Profile picture
Aug 21
🚨What to do with your LIC policies?

Most households have traditional Life insurance policies with an "Assured Sum of money" from LIC and other insurers

Most do not know what to do with these policies now

A thread🧵 on what you should do with ur LIC Policies?👇 Image
What is life insurance?

A Life Insurance policy provides financial security to the family of the insured, in case of their death during the policy period, and in some cases a maturity benefit to the insured person, after a set period of time.
What is life insurance?

A Life Insurance policy provides financial security to the family of the insured, in case of their death during the policy period, and in some cases a maturity benefit to the insured person, after a set period of time. Image
Read 16 tweets
Aditya Shah Profile picture
Jul 20
ICICI Bank-The clear Market leader!

Both HDFC and ICICI reported numbers yesterday
How does ICICI Bank stack up against HDFC Bank?

Is ICICI Bank way ahead of HDFC Bank?🤔🤔🤔

A short thread🧵analyzing each and every aspect of both results.

Lets go👇 Image
Loan+Deposit growth:-

ICICI Bank
🏦Total deposits grew 12%
🏦Loans grew at about 12%

HDFC Bank
🏦Deposits grew at 16,2%
🏦Loan grew at just 6%

Both Banks are gaining market share in both deposit and loan portfolios
While ICICI marches on,
HDFC Bank has slowed down its loan growth due to meer issues and bringing down the LDR
Loan portfolio growth:-

Bulk of ICICI's growth came from the 6.9% retail growth.

The corporate loan growth slipped to only 7.5%

HDFC Bank had a retail growth of 8%
The corporate loan growth slipped to only 1.7% Image
Image
Read 12 tweets

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