{"id":12124,"date":"2020-10-19T07:21:42","date_gmt":"2020-10-19T07:21:42","guid":{"rendered":"\/blog\/?p=12124"},"modified":"2021-12-02T06:15:54","modified_gmt":"2021-12-02T06:15:54","slug":"why-do-you-need-an-investment-mandate","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/moneyfy\/investment-guide\/why-do-you-need-an-investment-mandate\/","title":{"rendered":"Why do you need an investment mandate?"},"content":{"rendered":"\n

Any\ninvestor, whether a newbie or someone who is already into the journey, needs to\nlook at not just their options but also the kind of assets they have. An\ninvestor may wish to invest in mutual funds, for instance. So, how should one\u2019s\nassets be invested? What set of guidelines or frameworks should a fund manager\nbase their decision on?<\/p>\n\n\n\n

The\nanswer to these questions is an investment mandate. It is a blueprint or a set\nof instructions that an investor gives to a fund manager or a wealth manager to\nhelp them manage the investor\u2019s wealth. It is the set of instructions an\ninvestment or wealth manager uses to manage an investor\u2019s portfolio of assets. <\/p>\n\n\n\n

If\nan investor takes Rs 3,00,000 to a wealth manager or a fund manager and tells\nthem to grow their wealth or invest, the manager may not have a clear idea of\nwhat to do with the money without any guidelines about the purpose, goal or\nrisk profile of the investor. <\/p>\n\n\n\n

Instead,\nif an investor\u2019s goal is to use it for their child\u2019s foreign education ten\nyears from now, it becomes a long-term goal, and the investment mandate is\ndecided on this purpose and risk profile of the investor. Similarly, if an\ninvestor\u2019s goal is to double their money in the quickest time possible, then\nthe investment manager may employ a different strategy. No two people have the\nsame mandate for their investments; some may be interested in preserving\ncapital while others may be keen on growing their wealth in quick time. <\/p>\n\n\n\n

Additional Read: <\/strong>Five\nreasons why your 20s are the best time to start investing<\/a><\/p>\n\n\n\n

What will an investment mandate look like?<\/strong><\/h2>\n\n\n\n

Typically,\nan investment mandate has a list of goals and priorities of the investor<\/p>\n\n\n\n

It\nwill also have the levels of risk the investor wishes to or can afford to take.<\/p>\n\n\n\n

A\nmandate will in some cases have what kind of funds need to be avoided or\nincluded. An investment mandate is often drawn up by a financial planner or an\nexpert a common individual investor seeks out. <\/p>\n\n\n\n

\"Why<\/figure>\n\n\n\n

Why do you need an investment mandate?<\/strong><\/h2>\n\n\n\n

It\nis not just the private investor who uses an investment mandate. Fund managers\nalso use the same. Typically, mutual funds, index funds or exchange-traded\nfunds all have investment mandates. An investment mandate in a fund\/pooled\nasset scenario allows investors to understand how their wealth will be used. An\nasset management company typically (AMC) has several mutual funds, each with\nits own investment mandate that tells the investor what kind of scheme they are\ngetting into. An investor picks the one that aligns with their goals and\npurpose.<\/p>\n\n\n\n

Having\nan investment mandate helps planners or financial advisors in charge of an\ninvestor\u2019s accounts to guide them towards the right investment choices. It\nhelps advisors make informed decisions based on the investors\u2019 risk tolerance\nlevels. Anyone investing on their own should also create a mandate for themselves\nso they can manage their money and take the right decisions. <\/p>\n\n\n\n

Additional\nRead:<\/strong> <\/strong>Which\nInvestment Option Is Best For The Risk Averse Investor?<\/a><\/p>\n\n\n\n

Conclusion<\/strong><\/h2>\n\n\n\n

Want to create your own mandate or look at the investment mandates of funds before you pick the right option? The Moneyfy app<\/a> from Tata Capital offers easy investment options and advice for both beginners and those already investing. Features such as mutual fund scanner, listings, fund comparisons and goal-based investment help are crafted to help the individual investor make informed decisions. <\/p>\n\n\n\n

Download Moneyfy App<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

Any investor, whether a newbie or someone who is already into the journey, needs to look at not just their options but also the kind of assets they have. <\/p>\n

Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":12130,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[68],"tags":[],"class_list":["post-12124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment-guide"],"yoast_head":"\nInvestment Mandate: What Is It and Why you need it? - Tata Capital Blog<\/title>\n<meta name=\"description\" content=\"Heres everything you need to know about an Investment mandate. 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