Our Monthly Newsletter has been published.

1. MARCH 2022
In our previous issue we explained the key reason for the
invasion by Russia on Ukraine. As on today when we are
publishing this issue it almost 41 day of war. The stress
between the two country has now extended globally and the
chances of any big event are not beyond possibility.
During all these events India has played a completely neutral
role in terms of supporting any side. Moreover our country has
been offered good discount and better deals for Oil purchases
from Russia.
Whatever said and done, India is in a Sweet Spot as of now.
Like - FIIs looking it as a safe zone for investments, our
stringent trade policies, huge consumer base and well
controlled economy conditions our point to cherish.
INDIA IN A SWEET SPOT
The consequences of the war - RUSSIA - UKRAINE war
Trending MF Category - #03
Market Indicators - #04
Inspiring Story - #07
WHAT'S INSIDE THIS ISSUE:
FINANCIAL OUTLOOK
A MONTHLY NEWSLETTER TO MANAGE YOUR PERSONAL FINANCE
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2. SUCCESS IS TRULY
MEASURED IN HOW FAR
YOU CAN GO AND NOT THE
NUMBER OF BIG WINS IN A
SHORT AMOUNT OF TIME.
Despite the war crisis in Ukraine and multiple global tensions, NIFTY
grew by 5.17% ! This is certainly a very strong indicator that year ahead
is good for India and Indian equity market.
As a layman investor you should simply be bothered about inflation and
nothing else. Because on economy front we are doing quite well in terms
of GST collections, credit growth and Make in India progress. Hence you
would have seen a nice built up in the price of banking stocks,
Infrastructure related stock and even midcap / smallcap categories. All
these categories have grown around 10% in March (almost 2 times of
NIFTY).
Check the respective Mutual Fund categories performance as given
below :
Analyst and large investors are looking to transfer / migrate major
portion of there investment from disturbed locations to much safer
zone like India, in the recent budget honourable FM has already
allocated decent amount and focus toward Green Business /
Climate Friendly Environment in India. Such commitment
towards Environment, Social and Governance is attracting
good inflow of funds in our equity market. As a result ESG Fund
category (Environment, Social and Governance) is doing really
well - see in above chart.
Looking forward to a prosperous and profitable FY 2022-23.
Best Wishes.
WHAT IS AHEAD IN FY 2022-23 ?
Mr. Rajat Ghosh, MD & CEO - Invrajat Financial Services Pvt
Limited
MR. RAJAT GHOSH | MD & CEO - INVRAJAT FINANCIAL SERVICES PVT LIMITED
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3. CHAPTER TRENDING MF CATEGORY - ESG FUNDS
Monthly Newsletter - March
03
01
#
ESG funds are portfolios of equities and/or bonds for which
environmental, social and governance factors have been
integrated into the investment process. This means the
equities and bonds contained in the fund have passed
stringent tests over how sustainable the company or
government is regarding its ESG criteria.
India will get its non-fossil energy capacity to 500
gigawatt (GW) by 2030
India will meet 50 per cent of its energy requirements
from renewable energy by 2030
India will reduce the total projected carbon emissions
by one billion tonnes from now onwards till 2030
By 2030, India will reduce the carbon intensity of its
economy by less than 45 per cent
So, by the year 2070, India will achieve the target of
Net Zero
India’s commitment to achieve Net Zero emissions by 2070
is akin to not just walking the talk on the climate crisis, but
running the talk.
At the 26th Conference of Parties (CoP26), Indian Prime
Minister Narendra Modi declared a five-fold strategy —
termed as the panchamrita — to achieve this feat. These
five points include:
India’s Central Electricity Authority (CEA) has done a
projection for the country’s energy mix for 2030. According
Its very simple. Just like any other Mutual Fund Scheme
ESG Funds can by bought through us.
Being a equity category ESG Funds falls under high risk
category and hence you must invest in such funds with a
minimum tenure of five years and above.
You can either open SIP (Systematic Investment Plan)
under such schemes or can invest lumpsum as well.
For more details of this category and
invest in this you can reach us at
: +91-88002-28197.
Health and Wellbeing
Physical & Financial Capital, and Infrastructure
Inclusive Development for Aspirational India
Reinvigorating Human Capital
Innovation and R&D
Minimum Government and Maximum Governance
to this, India’s installed capacity of non-fossil energy for
electricity generation — solar, wind, hydel and nuclear in
2019 was 134 GW and by 2030 it will be 522 GW. This will
require solar energy installed capacity to go to 280 GW
and wind energy to go to 140 GW.
According to this, total installed capacity will be 817 GW
and power generation will be 2,518 billion units in 2030.
Under this scenario and energy trajectory, India will be
able to meet its 500 GW of non-fossil fuel energy capacity
by 2030.
In the recent budget FM Presented the whole thing on
following six pillars -
1.
2.
3.
4.
5.
6.
So, It is very important for companies / corporates to follow
the ESG model to grow. Hence there will be decent
domain of stocks to be identified under the ESG Category.
Moreover, their sustainability and profitability is
guaranteed for ESG companies.
WHAT IS ESG FUNDS ?
WHY THIS IS IDEAL TIME FOR ESG FUNDS
HOW TO INVEST IN ESG FUNDS ?
PERFORMANCE OF TOP ESG FUNDS
MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET
RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY
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4. Monthly Newsletter - March
04
CHAPTER MARKET INDICATORS
FOR MONTH ENDING MARCH 2022
02
#
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7. Monthly Newsletter - March
07
When Mr. Rajeev first realized the pain of income tax in his salaries,
at the age of 37, he did not know any tax saving option other than
PPF. Being a well learned and educated engineer he was aware
about the cost an impact of inflation. Hence he was not contended
with a return of 8% which would not beat the inflation. He was
clearly looking at creating his ambitious retirement kitty through a
little higher return than the inflation.
Hence, he searched for various options under the higher risk reward
categories such equity linked saving schemes called ELSS Funds.
Mr. Rajeev realized risk reward advantage in ELSS and decided to
save his annual tax planning portion into ELSS.
By doing so he achieved both his targets - to save tax under Sec
80C and also to create a better retirement corpus for his future. He
opened SIP of Rs. 6250/- per month in Two different ELSS
schemes.
See the phenomenal reward for Mr. Rajeev Arora after 15 Years of
his investments in ELSS (See the table below) :
TO KILL TWO BIRDS WITH A STONE !
CHAPTER INSPIRING STORY
of Mr. Rajeev Arora, Aged 52 Yrs
03
#
TO KILL TWO BIRDS WITH A STONE
What is ELSS Funds ?
An ELSS fund or an equity-linked
savings scheme is the only kind of
mutual funds eligible for tax deductions
under the provisions of Section 80C of
the Income Tax Act, 1961. You can
claim a tax rebate of up to Rs 1,50,000
and save up to Rs 46,800 a year in
taxes by investing in ELSS mutual
funds.
ELSS mutual funds’ asset allocation is
mostly (65% of the portfolio) made
towards equity and equity-linked
securities such as listed shares. They
may have some exposure to fixed-
income securities as well. These funds
come with a lock-in period of just three
years, the shortest among all Section
80C investments.
As you can see in the table above, Rajeev's Total Investment of Rs. 22,50,000 has almost grown to 3.5 times in 15
years as against a traditional tax saving product, where it would have grown by only 1.5 times.
Note : The above table of projected figure is based on the current fund performance. There is no guarantee that it will be
repeated in future also. Investor should choose the route of ELSS after evaluating their risk suitability in Equity Funds.
Rajeev will continue the same SIP
as he also has an objective to
create Retirement Corpus along
with Tax Savings. We have done
some calculation, If he continue his
SIP for next 5 years, till his Age of
57 years his Retirement corpus will
grow as per the table given aside.
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8. We provide complete support to
you in terms of fulfilling all your
investment objectives or financial
plans, by way of motivation -
correct calculations and more !
Just call and Fix a formal
discussion session with us - we
are here to help you.
Mind it !
#SIPZarooriHai
Disclaimer : Mutual Fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes
may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates.
The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not
guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable
surplus.
Note : We are an AMFI registered Mutual Fund Distributors. We work closely with our customers to help them achieve their Financial
dreams by way of savings motivation, correct estimations and quick investment execution. We help you select the SIP according to your
risk profile and investment tenure.
16, Kabi Rabindra Road, Barrackpore PO Nonachandan Pukur Kolkata-700122
Call : +91-88002-28197
www.invrajatfinserve.com | support@invrajatfinserve.com
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