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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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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.


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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Market Views

What is SIP, and why should you invest in it?


Most of us may not have a detailed idea of what SIP is in mutual funds. SIP, short form for Systematic Investment Plan, is an investment strategy in which an investor regularly invests a fixed amount of money in a mutual fund scheme. This blog provides a brief overview of SIP, its potential benefits, how it works, and why it can be a good investment option for long-term wealth creation.


What is SIP investment?


SIP investment is a method of investing an amount periodically in a mutual fund scheme of your choice. SIPs can be made either monthly, quarterly, or yearly, and the amount can be as low as ?100 per month. This investment approach is designed to help investors avoid timing the market and take advantage of disciplined investing, eventually resulting in compounding.


SIPs offer several benefits, such as averaging out the cost of buying units, disciplined investing, flexibility, and convenience. If planned properly and in advance, they may prove to be a great option for long-term wealth creation and help in achieving financial goals such as buying a house, saving for retirement, or children's education.


In the rest of this blog, we will explore how SIPs work, the potential benefits of SIPs, how to invest through SIP, the different types of SIPs, the difference between SIP and lumpsum, and factors to consider while investing by way of SIP. By the end of this blog, you will comprehensively understand SIP's meaning and how it works. This can help you to make informed investment decisions for your financial future.


How does SIP work?


Since we now know SIP meaning, we will try to understand how it works. As an investor, one needs to understand thoroughly their goal of investment and also their own risk appetite. Once this is clear, one has to research and find a sync in investment ideology with a particular scheme. Once the investment options are finalized, define the period and the frequency of investment, which can be, say, on a monthly basis. The investment is deducted automatically from the investor's bank account at the predefined frequency and invested in the mutual fund scheme. The invested amount is used to purchase units of the mutual fund scheme at the prevailing Net Asset Value (NAV). Over time, this strategy helps in averaging out the cost of investment and reducing the impact of market volatility on the overall returns.


Benefits of SIPs


In the ever-evolving markets, SIP still continues to be a popular investment choice because of the benefits that it offers. Below is the list of potential benefits of SIP investment.


  • Power of Compounding: Theoretically, the power of compounding in SIP refers to where the generated returns, if any, on the invested amount are reinvested and added to the investment amount, and over time, this, in a way, grows the investment portfolio.


  • Rupee Cost Averaging: SIP enables investors to benefit from rupee cost averaging, which refers to the practice of investing a fixed amount at regular intervals, irrespective of market conditions, which averages out the cost of investment and helps reduce the impact of market volatility on the investment returns over time.


  • Flexibility: SIP offers flexibility in terms of the amount to be invested and the duration of the investment, allowing investors to customize their investment strategy as per their financial goals and risk appetite. Many mutual funds now offer the option of Smart SIP; the investment amount differs based on market valuations.


How to invest in SIP?


  • Complete your KYC: To invest in mutual funds, one needs to complete their KYC. KYC can be done while investing by providing pan card details & address proof like an Aadhar card and such other details as may be requested at the time of making the investments.


  • Identify your financial and investment goals: Determine your investment goal and the amount of money that needs to be invested regularly. It is important to choose an SIP that suits both your investment goals and risk appetite.


  • Select the suitable Mutual Fund Scheme: Based on the selected investment goal, choose a mutual fund scheme that aligns with your financial objectives, risk tolerance, and investment horizon. You can evaluate mutual fund schemes based on their performance history, asset allocation, and fund manager expertise. Investors can also invest to save on tax by investing in various mutual fund schemes. However, it must be understood that past performance is no guarantee of future returns.


  • Select the investment frequency: Decide on the frequency of your investment and the amount to be invested. You can choose to invest in SIP monthly, quarterly, or annually at your convenience. Besides, an investor can also decide on what should be the investment amount and how much return it can help generate. Here, he can take the help of an SIP calculator, which is essentially a simple tool to estimate the returns of investment


Once you have completed these steps, you can initiate your SIP investment by submitting the necessary documents/details and providing your bank account details to start investing in the chosen mutual fund scheme.


Different types of SIP


Since we now know what SIP is, the benefits of SIP investment, and how it works, we will try to understand the various types of SIPs available. Below is the list:


  • Fixed SIP: In this type of SIP, the investor invests a fixed amount of money at regular intervals, such as monthly, quarterly, or annually.


  • Top-up SIP: This type of SIP allows investors to increase their investment amount at regular intervals. For example, an investor may start with a monthly SIP investment of ?5,000 but can choose to increase it by 10% after a year.


  • Perpetual SIP: This type of SIP allows investors to invest in mutual fund schemes for an indefinite period of time. The investor can choose to stop investing at any point in time.


  • Flexible SIP: This type of SIP allows investors to invest varying amounts at different intervals. For example, an investor may choose to invest ?10,000 one month but only ?5,000 the next month.


What is the difference Between SIP and Lumpsum?

SIP & Lumpsum are the two most popular ways of investing in mutual fund schemes. SIP, short form for Systematic Investment Plan, is a method of investing a fixed amount of money at regular intervals. At the same time, Lumpsum, also known as, One-time purchase, refers to investing a large sum of money in one go.


Factors to consider while investing via SIP


SIP investment requires careful consideration of several factors to make it a fruitful choice. Here are the most important factors to consider while investing through SIP:


  • Performance of the Scheme: Analyzing the performance/past performance of a mutual fund scheme is critical before investing in it. Investors should check the fund's track record in terms of returns, volatility, and consistency. A scheme's performance can also be analyzed as regards to its benchmark index. However, it must be understood that the past performance may or may not be sustained in future, and the scheme performances may vary depending upon the market conditions.


  • Analyze the risk appetite: All investments come with some level of risk, and SIP is no different. Hence, it is important to understand the risk involved in the scheme before investing. Investors should evaluate the fund's risk profile based on factors such as asset allocation, portfolio composition, and the fund manager's investment style. This analysis can help investors determine whether the risk-reward trade-off is acceptable for them.


  • Identify the goal and duration: The primary purpose of investing via SIP is to achieve a financial goal, such as buying a house or saving for retirement. Hence, investors must determine their financial goals and the time horizon for achieving them. This information will help them choose a scheme that aligns with their investment objectives and matches the investment duration.


To sum up, what is SIP investment? SIP is a long-term investment option, and investors may invest in a fund that syncs essentially with their investment goals and risk profile. Investing via SIP requires discipline and patience, and investors should not get swayed by short-term market movements. By considering the above factors, investors can make informed decisions, and it can help them achieve their investment goals. An investor should always keep in mind that mutual fund investments are subject to market risks, and past performance is not a guarantee of future returns.


Frequently Asked Questions


How much money do I need to start an SIP?


One can start with SIP basis their own risk appetite and the ability to invest. The minimum SIP instalment is based on the mutual fund scheme selected. It can start from as low as ?100 per month.


Can I stop or change my SIP investment at any time?


An investor can stop or modify the SIP as per their requirements at any point in time. The user can log in to their mutual fund account, like Kotak Mutual Fund account, through their credentials and select the SIP which needs to be cancelled.


What is the power of compounding?


Theoretically, compounding means the returns generated, if any, on investments get added back to the investment amount.  So the interest earned, if any, is then calculated on the new investment amount, which is the originally invested amount, along with the returns earned, if any, on the same.


What is the difference Between SIP and Lumpsum?


SIP & Lumpsum are the two most popular ways of investing in mutual fund schemes. SIP, short form for Systematic Investment Plan, is a method of investing a fixed amount of money at regular intervals. At the same time, Lumpsum, also known as, One-time purchase, refers to investing a large sum of money in one go.



The document is not intended for distribution to or use by any person in any jurisdiction where such distribution would be contrary to local law or regulation.  The distribution of this document in certain jurisdictions may be restricted or totally prohibited, and accordingly, persons who come into possession of this document are required to inform themselves about and observe any such restrictions.


The document includes statements/opinions which contain words or phrases such as "will", "believe", "expect" and similar expressions or variations of such expressions that are forward-looking statements. Actual results may differ materially from those suggested by the forward-looking statements due to risks or uncertainties associated with the statements mentioned with respect to but not limited to exposure to market risks, general and exposure to market risks,  general economic and political conditions in India and other countries globally, which may have an impact on services and/or investments, the monetary and interest policies of India, in?ation, de?ation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices or other rates or prices etc.


Past performance may or may not be sustained in future.  Kotak Mahindra Asset Management Company Limited/ Kotak Mahindra Mutual Fund is not guaranteeing or forecasting any returns/future performance. SIP does not guarantee of any profit/loss in declining/upward markets. Investors may consult their financial advisors and /or tax advisors before making any investment decisions.


Mutual fund investments are subject to market risks, read all scheme related documents carefully.

Dear All,


Please click here for Monthly Equity & Debt Outlook Presentation – July 2022.


Key Events for the Month of June 2022:


  • Nifty (-4.8%) corrected sharply, as the markets got worried due to hawkish Fed and recession concerns
  • The S&P 500 and Nasdaq corrected ~8%
  • The World Bank cut India's economic growth forecast for the current fiscal to 7.5% as rising inflation, supply chain disruptions and geopolitical tensions taper recovery 
  • RBI's MPC decided to hike the Policy Repo Rate by 50 bps to 4.9% in its June meeting
  • Gross NPA ratio of banks fell to six-year low of 5.9% in March: RBI
  • The CPI inflation rate for May 2022 cooled from the 8 year high in April and came in at 7.04% on the back of the base effect while WPI inflation surged to a record high of 15.88% in May
  • GST revenue collection for June was at Rs 1.44 lakh cr; up 56% year on year
  • Manufacturing PMI weakens to 53.9 in June due to rising input costs, inflation concerns
  • FIIs continued being net sellers in the month of June 2022 and were net sellers to the tune of -$6.4bn even as DII buying continued at +$5.9bn
  • Brent Crude was extremely volatile and touched ~$125/ barrel before correcting ~$110/ barrel

Dear All,

Please click here for Highlights of RBI’s Monetary Policy | June 2022.

Key Highlights:

  • MPC votes unanimously to hike repo rate by 50bps to 4.90%
  • The MPC has dropped the phrase “remain accommodative” from the stance
  • RBI increases FY23 inflation forecast by 100 bps to 6.7%
  • RBI retains FY23 GDP outlook at 7.2%
  • RBI is likely continue to withdraw excess liquidity in a calibrated manner over a multi-year time frame
Introducing Kotak Multi Asset Allocation Fund
05/09/2023 14:55:35
Introducing Kotak Multi Asset Allocation Fund by Mr. Nilesh Shah (Hindi)
05/09/2023 14:55:24
Introducing Kotak Multi Asset Allocation Fund by Mr. Nilesh Shah | Load It. Latch It. Leave It.
05/09/2023 14:55:13

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