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Should you invest in US-focused fund

Should You Invest In US-Focused Fund?—Here’s How to Take Advantage of Rupee Depreciation

by Holistic Leave a Comment | Filed Under: Investments

“A good investor is always on the lookout for good investment opportunities”

The Indian Rupee depreciation is one such good investment opportunity.

It is a known fact that the Indian Rupee is depreciating and will continue to depreciate.

As an investor, how can you take advantage of this fact?

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You could be an Indian investor who wants to make this fact your advantage.

Or you may be an NRI investor with investments in the US and do not want to transfer your investments to a depreciating currency while moving back to India.

Whoever you are, the question remains the same.

“Can you do it?”

“Can you make this sure-to-happen rupee depreciation your investment advantage?”

The short answer is: Yes!

In this article, we’ll discuss how you can take advantage of rupee depreciation for your benefit and where to invest to get the best out of it.

Table of Contents:

    1. Investing in Rupee Depreciation
    2. Why International Mutual Funds?
    3. Choosing the Best International Fund
    4. A Final Compelling Benefit
    5. Final Word

1. Investing in Rupee Depreciation

Even though there are different choices to invest to benefit from the rupee depreciation, not all of them are your safe choices.

But the safest and the best choice is by investing in international mutual funds.

Invest in an international mutual fund scheme that predominantly invests in the US market.

These international US-focused mutual fund schemes invest in high-quality stocks of the US companies that have good growth potential. As these companies grow and the rupee depreciates, your investments will fetch you the best returns in the long-term.

2. Why International Mutual Funds?

You might be wondering why you should invest in international mutual funds without even considering other options.

Other than International Mutual Funds, the other option available to an investor to benefit from rupee depreciation is Forex trading.

However, Forex trading by definition is not an investment option.

It is only a trading instrument where you trade your one currency to buy a different currency from another trader.

No new wealth is generated and either of the two traders always loses money all the time in Forex trading. They are extremely risky since the currency market is extremely volatile.

It is not the best option to go for if you are looking for long term wealth creation with control over your financial stability.

Hence the International Mutual Funds lies in the sweet-spot of relatively lower volatility, higher transparency, and rupee depreciation benefit.

Now that we have our route of investment clear, the final thing you should look at is which is the best international fund to invest in.

3. Choosing the Best International Fund

There is a wide range of Mutual Fund Schemes offered by the AMCs under the Equity: International category in India.

Not surprisingly, most of them invest predominantly in the US market.

But ultimately it all boils down to how you’ll choose any other Mutual Fund Scheme to invest, even though the category and the workings on the inside change.

Mutual Fund investments in general are long-term investments. Since we are aiming for the better out of the rupee depreciation—which also happens over long-term—the fund you invest must have a good track record over the long-term with investments in high quality US stocks.

See the table below:
parameters

Among a list of Mutual Fund schemes that invest in the US market, these funds have proven their mettle in the long-term while also fetching above-average returns to the investors.

4. A Final Compelling Benefit

Among the benefits of investing in international funds, one exceptional benefit is the diversification.

Investing in the International funds adds a whole new dimension to your portfolio. These investment funds are practically isolated from the volatility in the Indian Stock Market.

For example: In the past 1 year, the Indian market scene was not attractive or favourable to the investors, to say the least. There were too many talks about “economic slowdown” before the coronavirus crash gave the final blow.

The returns earned in the past 1 year, even by the best equity mutual fund schemes are not great or appreciable. And it will take a while to recover from this coronavirus crash.

Meanwhile, if you look at the table above, under the 1 year annualized return, you can see that these US-focused mutual funds have given better returns.

Although, you should note that it does not mean that they are not volatile. All the Equity investments are volatile. But if you have a US-focused mutual fund scheme in your portfolio, the impact of the volatility of the Indian market will be considerably less.

Any international fund can give you this level of diversification to your portfolio. However, you should also consider the investment return. Since the US is an economic powerhouse and as discussed before gives you the rupee depreciation benefit, investing in the US focused international mutual fund schemes are your best choice as an investor.

Final Word

Exposure to international market may appear to be a complication in the beginning.

But the mutual funds have been successful in keeping it simple while also making the international funds a diversification reinforcement to the investor’s portfolio.

The US-focused international funds in particular is a culmination of this diversity factor along with the rupee depreciation benefit and a doorway to a powerful yet reliable economy. As far as international funds are considered, they are in the sweet-spot as the right investment choice.

Choose a US-focused fund that is right for your financial goals and your portfolio, and take advantage of the opportunity they bring along.

If you need any assistance in choosing the right mutual fund scheme for your portfolio or even a comprehensive financial plan, reach out to us anytime.

Register for your FREE 30-Minute consultation by clicking the link below.

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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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