April 2018



Dear Investors,

Indian equity markets continued its volatile streak in the month of March 2018. S&P BSE Sensex and Nifty 50 both were down 3.6% in the last month of the financial year 2018. Market sentiments during the month were affected on account of concerns regarding trade war, gradual tightening of global liquidity and mixed picture painted by domestic macro-economic indicators. Mutual funds saw net outflows amounting to Rs. 50,000 crore in the month of March 2018.

April marks the beginning of the new financial year and a time to re-look at your current financial plan and make necessary modifications. Start of the financial year is a good time to relook at your investment plan because of the increase in income, one-time inflow in terms of bonus and to align your financial plans with your goals for the year. One key factor that can help you to be on track to reach your financial goals is to follow save first and spend later philosophy. One of the ways you can achieve this is by making your salary day your Systematic Investment Plan (SIP) day.

While disciplined investing through SIP is important, with rise in income your investments should also rise; and SIP top-up can help you achieve that. Starting the new financial year, you should look at increasing your regular investments to move closer to your financial goals sooner. Asset allocation is also an important aspect which should be reviewed and re-balanced every financial year with changing risk appetite and investment horizon.

One of the other important areas where individuals generally tend to procrastinate is tax planning. You should not wait for the year end to make investments to avail tax benefits. Start today and allocate a fixed sum monthly for tax planning to avoid last minute rush for money to meet the required investment and to avoid any shortfall. Along with all the goal based planning one should also keep a contingency fund for any emergency. You can do so by investing in liquid funds with instant redemption facility in order to have both liquidity and returns on the investment.

In order to meet the varied requirement of our client base, SBI Mutual Fund has developed different assets and facilities. We have digital platforms such as invesTap and website to provide a seamless investor experience and help investors manage their investments on the go. For investors’ ease and to solve investor queries we have also launched a chat bot on our website. The chat bot is equipped to help investors in generating account statement, locating branches, Aadhar linking, generating capital gain/loss statement and executing online transactions among other investment related assistance.

We will continue our focus on customer delight and work towards creating investor journey and experience better. You may get in touch with your financial advisor or visit our website for information on SBI Mutual Fund products.

Warm Regards,

Anuradha Rao
Managing Director & CEO


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