Investment is a crucial aspect of everyone’s life. It is imperative for every individual to have a financial plan for an economically secured future irrespective of his/her end goals. People may invest for a variety of reasons, some might invest to meet their children’s educational expenses, others might do so to fulfill their dreams like owning a big house, planning a foreign holiday, owning a bigger car, tension-free child’s marriage or just to lead a prosperous post-retirement life. The goals might be different but the key aim for all is to attain financial stability over the long-term.

However, in our busy schedule and routine, most of us have a little time to understand the nuances of investment. For most investors, mutual funds (MFs) have emerged as a reliable investment avenue over the years. Mutual funds have attained investors’ attention through convenience and flexibility, professional management, diversification, etc. But even after determining mutual funds as a go to investment option, people are often confused which fund to buy and how will it help them achieve their financial aspirations.

ICICIdirect has come up with a simple resolution to this confusion with their One Click Investment. Nobody has time to research dozens of individual funds. With numerous options available for investments in today’s date, One Click Investment is one of a kind technological innovation which brings along the benefits of mutual fund investments for investors across categories and respective risk profiles. One click is a simple, personalised and time efficient solution for investors. It provides customized solutions and risk-adjusted investment portfolio with time to time performance monitoring. It is oriented to keep an investor stay motivated and stay invested for a long tenure. It comes with a range of six different baskets for investors to choose as per their choice.

The thoughtful strategy of investing small amounts continuously can eventually result in what is referred to as the snowball effect, in which small amounts gain in size and momentum and ultimately lead to exponential growth and the investors have a good chance of ending up with sufficient corpus to achieve their financial goal. One Click’s features make it more attractive with the best user experience and research-backed solutions.
Here’s What ICICI Direct One Click Offers

·         Access to a basket of top-rated Mutual Fund schemes in a single click, which is research-backed and has proven track-record of outperforming-benchmark.
·         Offers investment options across the spectrum from 100% equity to 100% debt.
·         The option to track Goal-Based Performance in the user’s Mutual Fund Portfolio page.
·         A research-backed system that Provides recommendations such as Buy and sell against schemes. For every sell recommended scheme, a corresponding Buy scheme would be recommended.
·         No transaction fees on investments done through “One Click Investment”.

In short, this instrument is designed to provide a specific solution according to your goals. When you log into the system, you will find multiple investment baskets catering to different goals. You are open to choose the investment portfolio that you find most suitable for yourself. By offering a basket of investments, One-Click provides an investment opportunity for every type of investor.

Let’s Have a Look at Types of Investment Portfolios:
·         Maximiser - A portfolio with true diversification that provides exposure across Large, Multi and Small Cap schemes.
Minimum investment amount: Sum- Rs.20,000/- & SIP: Rs.5,000/

·         Builder- This portfolio is Equity heavy with a cushion of debt (20-40%) in order to reduce the volatility.
Minimum investment amount- Lump Sum: Rs.25,000/- & SIP: Rs.10,000/

·         Stable - As the name itself talks about it, this portfolio offers in-built stability due to its higher allocation towards debt schemes and Lower allocation to equity to generate alpha.
Minimum investment amount- Lump Sum: Rs.25,000/- & SIP: Rs.10,000/

·         50-Fifty - This basket focuses on both growth and stability by balancing the portfolio equally between equity and debt.
Minimum investment amount- Lump Sum: Rs.25,000/- & SIP: Rs.10,000/

·         Secure – This scheme invests in quality corporate bonds and shorter-term debt funds.
Minimum investment amount- Lump Sum: Rs.25,000/- & SIP: Rs.10,000/

·         Tax Saving - This portfolio is about investing in tax saving equity schemes, which is Ideal for those who seek to save taxes u/s 80C.
Minimum investment amount- Lump Sum: Rs. 5,000/- & SIP: Rs.2,000/

An investor chasing long-term goals needs to make the best use of available investment options. Both fixed-income and equity-linked investments have a role to play in the process of wealth creation. While equity-linked investments help in the process to generate a high real return, the fixed income investments help in preserving the accumulated wealth so as to meet the desired goal.

With One Click Investment to your rescue, you need not read numerous Business Journals each day, neither do you have to constantly check your stock trading apps. All you have to do is to determine your goals, timelines, risk-taking capacity, etc. followed by choosing the correct portfolio and let One Click take charge then after.

Financial markets are dynamic and constantly evolving that’s why the value of funds fluctuates according to the market sentiments. With the help of a strong research team, ICICI Direct maintains its edge in the industry and delivers premium performance. Investment is no right or wrong, it all depends on the decision taken, whatever the decision taken will result in profit and loss.
Bottom Line
After analyzing the facts, I would suggest, Investing can be a complicated process but this service does provide an easier way to take care of your financial future and all it is just a click away. I would also suggest investors, when you look at investments, invest with a longer time frame. You benefit from compounding, where the horizon is higher over a period of say 7 to 10 years, as compared to 3 - 4 years. Investing money wisely isn’t easy—but it doesn’t have to be hard either. If you respect the market, diversify, understand the power of compounding and stay invested for a longer tenure, you’ll be well on your way towards investment success.

Please note that Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.

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