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MF Investment Help
Tracked by: 0 Boarder
Thanks Mr.P.C.Sharma for your message. I will consider your options. thanks again...
In reply to:
Fund Help
Posted by :
pcspune
Dear sp.palo,
Reliance RSF Equity is Midcap Oriented Fund & DWS Investment Opportunity Fund is Flexicap Fund with over 50% in Large Cap. Both Funds are Aggressively Managed Fund & GOOD Choice for 3-5 Year Time Horizon. You may Consider to Invest in these Fund by SIP/STP if your Time Horizon is Flexible(beyond 2 years Also) & you are Aggressive Investor.
If you want to minimse the Chances of LOSSES, Following Funds are Better Option.
DSPML Equity / Top 100 Equity / Balance Fund
HDFC Growth / Top 200 Fund
Templeton Equity Income Fund
P.C.Sharma
Tracked by: 0 Boarder
thanks Mr.Ranjan for your reply....
In reply to:
Fund Help
Posted by : RANJAN
In 2 years - you might still make good money. But ideally you should have a minimum horizon of say 3-5 years. In the short term the risk of losing is more. If you are prepared for the risk - you can go ahead. But do not blame the market if you are not able to reach your goal.
Tracked by: 0 Boarder
In 2 years - you might still make good money. But ideally you should have a minimum horizon of say 3-5 years. In the short term the risk of losing is more. If you are prepared for the risk - you can go ahead. But do not blame the market if you are not able to reach your goal. ...
In reply to:
Fund Help
Posted by :
sp.palo
Thanks ashport. I thought after 2 years the markets will definitely be higher then what it is now. What if i invest in MFs at 13000 levels ?
Tracked by: 0 Boarder
Dear ank1977,
I fully Agree with you that GOOD ( NOT ALL ) ULIPS are BEST Option for Long Term Investor,provided taken after fully understanding the Features & Expences.
In Single Premium ULIPS Allocation Charges are as low as 1.5% and Max.upto 6 % .
I think ANTI ULIPS Comments may be due to Following Reasons:
Ignorance ( Lack of Knowledge ) of Financial Advisors.
Vested Interests of AMC / MF Distributors.
Due to Mis selling of COSTLY ULIPS by some GREEDY Insurance Agents.
One Should pay Minimum Premium to get Maximum Insurance Cover in ULIPS.
DONT Take ULIP for Investment only( until you want to EXPLOIT the FREE 52 / 24 Switches Facility to Maximise your Returns / Protect
your Capital).
GOOD / Cheap ULIPS are the Best Option of INSURANCE.
Bajaj Allianz UNIT Gain GOLD & IDBI Wealthssurance Offer Insurance Cover upto 100 Times of Annual Premium
METLIFE Smart PLUS / Premier Offers Insurance Cover upto 90 Times of Annual Premium.
P.C.Sharma
...
In reply to:
Kindly suggest changes in my portfolio..
Posted by : ank1977
It is a fantastic solution given by u. But I would also like to mention that ULIP is not bad if u take horizon of 7+ years. Bcoz what ULIP has unique feature is if u r young between 25 to 35, u can have a potential a long way to invest regularly some amount in ULIP. ULIP gives u Insurance, Investment, Tax Benefit, Pension, Accident benefit, Waiver of premium in case of permanent disability etc. In my view there is nothing wrong in ULIP, if u have clear cut idea about that.
Tracked by: 1 Boarder
Dear Guest,
Performance of ICICI Indo Asia Fund is better than Average.It has lost lesser than Other Funds. There is no harm in Continuing in this Fund for 1-2 Years.
Review the Performance after 1 year.
P.C.Sharma
...
In reply to:
Stay away from new funds: Value Researchonline
Posted by : Guest
Even I made the mistake of putting lumpsum in ICICI Pru Indo Asia equity NFO, which is badly hit now.
Any chances of its revival? What Should I do - stay or suffer losses and come out?
Tracked by: 0 Boarder
Dear sp.palo,
Reliance RSF Equity is Midcap Oriented Fund & DWS Investment Opportunity Fund is Flexicap Fund with over 50% in Large Cap. Both Funds are Aggressively Managed Fund & GOOD Choice for 3-5 Year Time Horizon. You may Consider to Invest in these Fund by SIP/STP if your Time Horizon is Flexible(beyond 2 years Also) & you are Aggressive Investor.
If you want to minimse the Chances of LOSSES, Following Funds are Better Option.
DSPML Equity / Top 100 Equity / Balance Fund
HDFC Growth / Top 200 Fund
Templeton Equity Income Fund
P.C.Sharma
...
In reply to:
Fund Help
Posted by : sp.palo
Anybody please let me know how are Reliance RSF and DWS Inv Soppotunity Funds? I want to invest for a 2 year horizon. Or any other better funds than these.
Tracked by: 0 Boarder
Dear rengnara000, As u said, Most of ur funds r running below purchase price, it clearly means that u had invested in last 10-12 months only & most probably around the peak of market.
My dear friend, if market itself is down by almost 35%, & a mjority of stocks r down even more, How u can expect to have positive returns.
From a competent fund manager, The only thing in current downfall that's possible, the fund should have less downfall than the over all market. A lot of funds have done it.
Now plz. answer me r these fund managers doing bad jobs?
I'm not posting the data again, as posted by dear PCSpune ji, to support my claim.
Thanks
Ashal...
In reply to:
Mutual Funds
Posted by :
rengnara000
I was always under the impression the Invest Managers are highly paid, highly resourceful and manage our investments in mutual funds very well. I am concerned to see the pathetic performance of ALL mutual funds. Most of them are now below the purchase price. It has never happened in the past. Are the investment managers not doing the job properly, or are they also playng to the tunes of the \\\\\\`powers that be\\\\\\`.
Renganathan Narayanan
Tracked by: 0 Boarder
Hi,
Hope you have not invested very large amount
It is ok to invest in a new fund on a raiing market
But as a regular investor better to go for fund with track record
Most agents dont give right advice
They even compare Mf with Stocks to earn income
Advice you to book profit and invest in new scheme,just earn
Better to visit Money control and see the ratings of funds and decide...
In reply to:
What\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\`s Kotak Indo-World Infra Fund all about?
Posted by : bckak
one of the worst performing fund. I have already lost 40% with in 6 months. I feel absolutely cheated.
Tracked by: 0 Boarder
Dear bckak, Do u purchased a TV or a Refrigerator? In all probability u had enquired a lot before actual buying. Which brand, which model, what r the features, the price, the after sale service, the warranty.......
After considering a lot of above factors, u finally zeroed on a TV or Ref. & purchased it.
Now comes ur MF purchasing, Had u enquired that much as in the case of TV, u were not cursing urself or feeling cheated.
I do agree, the agent mis-sold the MF to u, but at the same time u r also equally responsible for the mess where u r now.
It is an NFO, & majority of boarders here @ MMB r against investing in NFOs.
Please accept this loss as ur learning experience for ur future investment.
thanks
Ashal ...
In reply to:
What\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\`s Kotak Indo-World Infra Fund all about?
Posted by : bckak
one of the worst performing fund. I have already lost 40% with in 6 months. I feel absolutely cheated.
Tracked by: 1 Boarder
Dear Bhavani27, Thanks for sharing the info. I already had visited 2 centers in past (some 8-12 months back), till date no student has passed out as CFP.
Anyway thanks once again for taking pain to intimate me.
thanks
Ashal...
In reply to:
Please Advice
Posted by : Bhavani27
Thanks for your prompt response,Ashal. You are indeed right.
We can only say that if you need to have a coronary bypass get it done only at a hospital where you have an experienced cardio-vasc surgeon. But if the hosptals in your town don\\`t have such a specialist the only option is not to undergo the surgery; in spite of all the post operation advantages.
Having said that I am sure you might have done it already, but just in case you haven\\`t. I believe that Ahmedabad has quite a few FPSB approved training centers for CFPs. One opp Atlanta Bldg in Gulbai Tekra, another Opp Lions Hall in Mithakali Six Road, a third one opp Swaminarayan Temple, Vastrapur, and a fourth at Aniket Complex C G Road, Navrangpura. It might help if you can get some data on their past students, and if any of them practise in Ahmedabad. You could perhaps pose as a prospective new student trying to find the future carer prospects from past students in Ahmedaabad and thereabouts.
SARVAM KRISHNAARPANAM
Tracked by: 0 Boarder
If your horizon is 5-7 years for buying a house- go for ELSS in mutual funds instead of PPF. You can start a PPF a/c but invest Rs 5000 every year in it.
With an income of 10 lakhs - why do you want to wait for 5- 7 years for a house. A housing loan gives you the best tax benefit. Interest upto 1.5 lakhs is fully deductible from your gross income. You save over 30% tax. Principal repayment gives you 80C benefit upto 1 lakh. Go for a housing loan.
Please take enough pure term cover (atleast equal to your housing loan).
Have a mediclaim policy and enjoy 80D benefit upto Rs 15000.
Avoid bank deposits . You will be paying 30% tax on the interest earned. Instead invest in arbitrage fund and get around 8% tax free income.
Avoid sector funds. Go for the following funds -
1) HDFC TOP 200
2) Sundaram Select Focus
3) HSBC Equity
4) Reliance Growth
5) DWS Investment opp fund
6) DSPML TOP 100
For ELSS - go for Sundaram Tax saver & DWS Tax saver.
Invest via SIP only. Look for value research rated funds.
...
In reply to:
MF Portfolio
Posted by : Guest
I\\\\`m 26 Yrs Old with Annual earnings of approx 10L.
My Investment Horizon is 5-7 Years with an objective of buying a house for around 50L.
I plan to push up my monthly investments towrads MF\\\\`s to 12-15k/Mo. Please suggest good funds to invest in. I\\\\`m more inclined towards building a portfolio with 75-80% equity Diversified funds.
Current portfolio
Reliance Banking Fund - SIP - 1000
Reliance Div Power Sector - SIP - 2000
DWS Inv Opp Fund - SIP - 1000
ICICI Pru Infra - SIP - 1000
Sundaram Select Midcap - SIP - 1000
HSBC Equity Fund - SIP - 1000
Total - 7000/Mo
RD - 3000/Mo
PPF - 50000 Annually
FD - 40000 Annually
Please suggest and/or comment.
Thanks
Tracked by: 0 Boarder
Thanks ashport. I thought after 2 years the markets will definitely be higher then what it is now. What if i invest in MFs at 13000 levels ?...
In reply to:
Fund Help
Posted by : ashport
Dear sp.palo
Albeit Rel RSF Eq and DWS Inv Opp are very good funds with good track record and both are 5 star rated fund from VOL, I won`t advise u to invest in these funds for such a short peroid. If ur investment horizon is 2 yrs only, dont go for Eq MFs . Better invest in Bank FDs or FMPs which are more tax efficient.
Regds
Ashport
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sebi wants to discourage distributors by taking out new technics and to run investors from one amc to another amc to find out incentives they offer to their distributors....
In reply to:
Reveal commission earned: Sebi may tell MF distributors
Posted by : MMB Messenger
The Securities and Exchange Board of India, or Sebi, is planning to tell MF distributors to reveal the commissions earned on MF schemes, reports CNBC-TV18, quoting sources. The regulator said that MF investors should know why a particular scheme is sold to them.
Tracked by: 0 Boarder
The Securities and Exchange Board of India, or Sebi, is planning to tell MF distributors to reveal the commissions earned on MF schemes, reports CNBC-TV18, quoting sources. The regulator said that MF investors should know why a particular scheme is sold to them....
Tracked by: 0 Boarder
Fixed maturity plans, or FMPs as they are popularly called, are close-ended funds with a fixed tenure. Such funds invest in a portfolio of debt products whose maturity coincides with the maturity of the fund. The primary objective of a Fixed Maturity Plan is to generate income while protecting the capital by investing in a portfolio of debt and money market securities. The tenure can be of different periods, ranging from one month to three years. FMPs are effectively quite similar to bank fixed deposits but are more tax efficient. Apart from this, FMPs are not affected much by interest rate volatility when held till maturity. The return on these funds is indicated and is close to the actual returns. If you are not a risk-free investor and look for an assured income, this is the right option for you.
But since FMPs are closed ended in nature, it can be purchased only at the time of initial offerings.
Regds
Ashport
...
In reply to:
FIXED MATURITY PLAN
Posted by : N.Krishnaprasad
Mutual Fund experts, can someone explain to me, what exactly is Fixed maturity plans.
krishnaprasad
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