{"id":4359,"date":"2020-03-04T13:43:35","date_gmt":"2020-03-04T13:43:35","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=4359"},"modified":"2023-06-08T00:40:30","modified_gmt":"2023-06-07T19:10:30","slug":"what-is-passive-or-index-investing","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/what-is-passive-or-index-investing\/","title":{"rendered":"What is passive (or Index) investing?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d7540052c01\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d7540052c01\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/what-is-passive-or-index-investing\/#Passive_Funds\" title=\"Passive Funds\">Passive Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/what-is-passive-or-index-investing\/#Benefits_of_Passive_Investing\" title=\"Benefits of Passive Investing\">Benefits of Passive Investing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/what-is-passive-or-index-investing\/#History_of_Passive_Funds_in_India\" title=\"History of Passive Funds in India\">History of Passive Funds in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/what-is-passive-or-index-investing\/#Percentage_of_Funds_outperformed_by_the_Index\" title=\"Percentage of Funds outperformed by the Index\u00a0\">Percentage of Funds outperformed by the Index\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/what-is-passive-or-index-investing\/#Some_commonly_asked_questions_on_passive_investing\" title=\"Some commonly asked questions on passive investing\u00a0\">Some commonly asked questions on passive investing\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/what-is-passive-or-index-investing\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/nav><\/div>\n<h4><span class=\"ez-toc-section\" id=\"Passive_Funds\"><\/span><b>Passive Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Passive Investing is a strategy that seeks to maximize returns by minimizing trading. Followers of this philosophy believe that it is not possible to <a href=\"https:\/\/www.investopedia.com\/terms\/e\/efficientmarkethypothesis.asp\" target=\"_blank\" rel=\"noopener noreferrer\">continuously beat the market<\/a>, especially in the long run. Hence, constant buying and selling is unnecessary and returns eroding activity.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Passive Funds, thus, are mutual funds which invest in the same stocks like that of the underlying index and seek to achieve similar returns as that index. Examples of passive investing are <a href=\"https:\/\/kuvera.in\/explore\/all\/others\/equity-index-funds\">Index Funds<\/a> and Exchange Traded Funds (ETFs).<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Benefits_of_Passive_Investing\"><\/span><b>Benefits of Passive Investing<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><b>1\/ Low Cost<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Fund managers of passive funds do not need to proactively monitor the market or take investment related decisions. As a result, these funds charge lower management fees. Lower fees mean higher returns for you.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>2\/ Transparent<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">As an investor, you have complete clarity on the stocks that the fund will invest in. There is no scope for ambiguity.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>3\/ Simplicity<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Unlike actively managed funds which require a dynamic strategy, constant market research and alterations, life is simpler with passive funds.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"History_of_Passive_Funds_in_India\"><\/span><b>History of Passive Funds in India<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">According to a report by Morningstar, in the United States, the AUM of passive funds has surpassed that of actively managed funds in 2019. However, for India passive investing is a concept which is yet to become a household name. Despite a healthy performance track record, passive investing is yet to gain solid momentum in India.<strong> Index Funds and ETFs form a mere 6.5% of the country\u2019s total mutual fund assets.\u00a0<\/strong>\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Percentage_of_Funds_outperformed_by_the_Index\"><\/span><strong>Percentage of Funds outperformed by the Index\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<table style=\"height: 320px;\" width=\"886\">\n<tbody>\n<tr>\n<td><b>Category<\/b><\/td>\n<td><b>Comparison Index<\/b><\/td>\n<td><b>1-Year<\/b><\/td>\n<td><b>3-Year<\/b><\/td>\n<td><b>5-Year<\/b><\/td>\n<td><b>10-Year<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Large-Cap<\/span><\/td>\n<td><span style=\"font-weight: 400;\">S&amp;P BSE 100<\/span><\/td>\n<td><span style=\"font-weight: 400;\">76.67%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">82.93%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">65.71%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">61.34%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Tax Saving (ELSS)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">S&amp;P BSE 200<\/span><\/td>\n<td><span style=\"font-weight: 400;\">80.95%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">83.33%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">51.35%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">45.71%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mid-Small Cap<\/span><\/td>\n<td><span style=\"font-weight: 400;\">S&amp;P BSE 400 MidsmallCap Index<\/span><\/td>\n<td><span style=\"font-weight: 400;\">18.92%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">47.83%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">26.98%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">48.84%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Govt. Bond<\/span><\/td>\n<td><span style=\"font-weight: 400;\">S&amp;P BSE India Government Bond Index<\/span><\/td>\n<td><span style=\"font-weight: 400;\">76.92%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">73.17%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">84.62%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">87.72%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Composite Bond<\/span><\/td>\n<td><span style=\"font-weight: 400;\">S&amp;P BSE India Bond Index<\/span><\/td>\n<td><span style=\"font-weight: 400;\">98.57%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">94.2%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">97.64%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">96.10%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">(Source:\u00a0 S&amp;P Dow Jones Indices, Morningstar and AMFI)<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">One major factor that is responsible for this slow growth of passive investing is the interest deficiency from distributors. For a country in which a majority of the retail investors depend on a broker, passive funds low expense ratio and thus low commissions create a conflict of interest i.e brokers rarely recommend them.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Some_commonly_asked_questions_on_passive_investing\"><\/span><b>Some commonly asked questions on passive investing\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><b>Q\/ Can index and active funds co-exist in one portfolio?<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A: Yes they can, but given the international and Indian evidence on passive outperformance you have to be really clear why you want to invest in active funds.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Q\/ Are index funds suitable for a novice or a seasoned investor?<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A: Yes, they are suitable for all investors. Low cost investing is good for everyone, be it a novice or a seasoned investor.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><b>Q\/ Isn\u2019t passive investing riskier than active investing? Fund managers do not have the flexibility to change the allocation even if one of the stocks is under-performing.<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A: Like any investment, index investing is also subject to overall market-risk. For instance, index funds track a certain benchmark or indices. So, when the latter falls, the value of Index Funds will also go down. However, compared to actively managed funds, they face less volatility.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Read more:\u00a0<a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p><iframe loading=\"lazy\" title=\"KUVERA in Media\" src=\"https:\/\/www.youtube.com\/embed\/videoseries?list=PLDSzQdT9nLmDSP3gSlDkPcUl-cfeI-KeB\" width=\"640\" height=\"360\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/www.kuvera.in\/\"><strong>kuvera.in<\/strong><\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and\u00a0<a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n<p>#MutualFundSahiHai, #KuveraSabseSahiHai!<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Passive Funds &nbsp; Passive Investing is a strategy that seeks to maximize returns by minimizing trading. Followers of this philosophy believe that it is not possible to continuously beat the market, especially in the long run. Hence, constant buying and selling is unnecessary and returns eroding activity.\u00a0 Passive Funds, thus, are mutual funds which invest [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/what-is-passive-or-index-investing\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":4360,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99],"tags":[318,317,154,316],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is passive (or Index) investing?<\/title>\n<meta name=\"description\" content=\"Passive or index investing is a simple investment paradign whose time has come. 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