9835185930 7004524847 Phone
mf@ruiaassociates.com Email

About Us

Ruia Associates is your own financial management firm that has expertise in financial services with one of its core focus on Mutual Funds. MF Investments help you to manage your portfolio very efficiently.
 
Proper investment guidance leads best result in future. We at Ruia Associates proudly known as investment experts. Most investment in stocks, mutual fund, NFO etc are balanced in such as manner that maximum ROI is achieved for the clients.
 
Investing your money is very necessary in today’s market. Best investment advice can allow you to grow it. This growth allows your money to build, creating wealth over time.
 
Ruia Associates is a one-stop solution for all your financial needs where Company's financials matter the most. We focused on our relationship with the clients by giving them personal attention.
 
We are very transparent in all our services which is our strong point to make long-term relationships with our customers. Though using one-size fits all strategies may be the common approach, as fiduciaries we specialize in tailoring plans to fit your current situation while laying a foundation to pursue future growth. From providing forward-thinking investments to estate planning strategies, we strive to help promote your total financial independence.

 

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Features

Family Account

Access your family member's Portfolio
with one single login

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Transact Online

Invest Online in Lumpsum or SIP
in mutual fund schemes.

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Save Tax

Check out Tax Savings
and Invest into ELSS Funds

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Reports

View your current market value,
your profits & losses.

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Calculators

Calculate the amount of wealth
required for your goal

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Factsheet

Explore Mutual Fund schemes
and their performance

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Focused Funds

Check out our recommended funds
and invest into them

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Market Views

Get monthly market outlook
from the experts

E-Locker

Upload and save
your important documents.

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Mobile App

Manage your wealth & track your family’s portfolio with one single login. You can easily and quickly invest in Mutual Funds from the app. Explore funds, view their performance and invest. Start an SIP or invest Lumpsum. Check out our recommendation of funds under Focused Funds. Whether you made profits or loss, check out from the reports. Simply Login and setup a 4 digit PIN for subsequent login so that you don’t need to enter your Username & Password every time. Download Now!

Mutual Funds

A mutual fund is an investment vehicle made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. Mutual funds are operated by money managers, who invest the fund's capital and attempt to produce capital gains and income for the fund's investors. A mutual fund’s portfolio is structured and maintained to match the investment objectives stated in its prospectus.

BREAKING DOWN 'Mutual Fund'

One of the main advantages of mutual funds is they give small investors access to professionally managed, diversified portfolios of equities, bonds and other securities. Each shareholder, therefore, participates proportionally in the gain or loss of the fund. Mutual funds invest in a wide amount of securities, and performance is usually tracked as the change in the total market cap of the fund, derived by aggregating performance of the underlying investments.

Mutual fund units, or shares, can typically be purchased or redeemed as needed at the fund's current Net Asset Value(NAV) per share, which is sometimes expressed as NAV. A fund's NAV is derived by dividing the total value of the securities in the portfolio by the total amount of shares outstanding.


 

1. Money market funds

These funds invest in short-term fixed income securities such as government bonds, bills, bankers’ acceptances, commercial paper and certificates of deposit. They are generally a safer investment, but with a lower potential return then other types of mutual funds. Canadian money market funds try to keep their Net Asset Value (NAV) stable at Rs. 10 per security.

2. Fixed income funds

These funds buy investments that pay a fixed rate of return like government bonds, investment-grade corporate bonds and high-yield corporate Bonds. They aim to have money coming into the fund on a regular basis, mostly through interest that the fund earns. High-yield corporate bond funds are generally riskier than funds that hold government and investment-grade bonds.

3. Equity funds

These funds invest in stocks. These funds aim to grow faster than money market or fixed income funds, so there is usually a higher risk that you could lose money. You can choose from different types of equity funds including those that specialize in growth stocks (which don’t usually pay dividends), income funds (which hold stocks that pay large dividends), value stocks, large-cap stocks, mid-cap stocks, small-cap stocks, or combinations of these.

4. Balanced funds

These funds invest in a mix of equities and fixed income securities. They try to balance the aim of achieving higher returns against the risk of losing money. Most of these funds follow a formula to split money among the different types of investments. They tend to have more risk than fixed income funds, but less risk than pure equity funds. Aggressive funds hold more equities and fewer bonds, while conservative funds hold fewer equities relative to bonds.

5. Index funds

These funds aim to track the performance of a specific index such as the S&P Composite Index. The value of the mutual fund will go up or down as the index goes up or down. Index funds typically have lower costs than actively managed mutual funds because the portfolio manager doesn’t have to do as much research or make as many investment decisions.

6. Specialty funds

These funds focus on specialized mandates such as real estate, commodities or socially responsible investing. For example, a socially responsible fund may invest in companies that support environmental stewardship, human rights and diversity, and may avoid companies involved in alcohol, tobacco, gambling, weapons and the military.

7. Fund-of-funds

These funds invest in other funds. Similar to balanced funds, they try to make asset allocation and diversification easier for the investor. The MER for fund-of-funds tend to be higher than stand-alone mutual funds.

 

Active vs passive management

Active management means that the portfolio manager buys and sells investments, attempting to outperform the return of the overall market or another identified benchmark. Passive management involves buying a portfolio of securities designed to track the performance of a benchmark index. The fund’s holdings are only adjusted if there is an adjustment in the components of the index.

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Contact Us

Phone

9835185930 7004524847
Email mf@ruiaassociates.com
Address: Office 1 : 9/A, 1st Floor, Janta Market, Bartand, Dhanbad - 826001
Office 2 : 204, 2nd Floore, New Market, Bank More, Dhanbad - 826001
Reg Address : B19, Chandra Vihar Colony, Dhaiya Road, Dhanbad - 826001