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MF Investment Help
Tracked by: 0 Boarder
Dear Vipinenator, you seem to be very aggresive investor, going by the query you have posted, here and in other posts.
To get 2,00,000 in 8 years, through sip investment at 21% rate of return, you need to invest 877 per month. And at a reasonable 18%, rate of return, you need to invest 993 per month.
Of course, if your investment is lumpsum, then the arthimatic changes dramatically.
To get the same 2,00,000 after 8 years, at 18% returns, you need to invest in a lumpsum a amount of Rs.53208!!!
Even assuming a return of 21%, you need to invest Rs.43526 as a lumpsum.
so, it is always advantageous to go for sip.
BEst of luck,
Srikanth shankar matrubai...
In reply to:
mf investment
Posted by :
vipinenator
want to invest 2,00,000 rs in high risk mutual fund for 5-8 yr.what is maximum return i can get.and i want to get dividend quarterly .which mf provide maximum return in india 
Tracked by: 0 Boarder
Dear Babani,
At 38 years, and 3 year time horizon, your risk profile is minimal, you are better off investing in Large Cap Funds and Diversified Equity funds. Instead of investing 10000 in Personal Tax Saver, you could have invested in Large Cap Fund. Instead in Tax Funds only to save your Tax Liability.
Also, you are better off investing through SIPs instead of lumpsum. SIPs are easy on pocket and also serve you better. Even of sip of 100 is available in Reliance and Lotus Mutual funds.
For your 30000, you can consider investing in
Birla sunlife Frontline Equity Fund
DSPML Top 100 fund
Fidelity Equity Fund
HDFC Prudence Fund
HDFC Top 200 fund
Sundaram Select Focus Fund
I have given 6 funds, invest 5000 equally in them. Route all your future investments in these funds only. Have a focussed portfolio and do not become a "Fund collector".
Also, Ashport has , as usual, given good advise. Follow him. You will make good money.
Preferably, invest through sips.
Best of luck,
Srikanth Shankar Matrubai
...
In reply to:
mf investment help
Posted by : babani
i am interested in investing around rs 30000/- in mututual fund for a minimum period of 3 years and above.
kindly suggest me the mutual funds in which i should invest and in what ratio.
if possible , can you let me know a tentative value of rs 30000/- after 03 years .
regards
babani
Tracked by: 0 Boarder
Dear Guest,
Good Question. Before answering, I would like to ask you, will you be disciplined to continue your investment for 24 years without break?. If yes, then you sure would go places.
Since your question is hypothetical, I too would have to answer hypothetically, as the returns would vary on a yearly basis, and if you consider an approx value, then the returns would be like this ::
Your 5000 per month for 24 months, your investment(your input value) would be Rs.14,40,000 and the returns would be
@12% returns === 75,42,143
@14% returns === 1,02,26,967
@16% returns === 1,39,26,119
@18% returns === 1,90,20,407
Your returns @18.35% would cross 2 crores. Just see the difference between 14% and 18%.
This small 4% difference would over a period of time result in a difference of MORE than 1 CRORE!!!
so, my advise is Go for Good Diversified Equity Funds and this would give the extra 4% returns.
Best of luck,
Srikanth Shankar Matrubai. ...
In reply to:
calculation of returns
Posted by :
Guest
if i am investing rs 5000 per month for 24 yr.how much return should i calculate in my net value.
Tracked by: 0 Boarder
i have 2 funds 1 is tata young citizens fund, and 2 is sbi magnum children benefit plan. i undrstnd tata young citizens fund has shown poor performance. what about 2 one. please explain. i take these 2 because for my daughter age of 7 years. which is the best fund in this category....
In reply to:
MF Investment Mistakes
Posted by :
ashport
Dear Sodium
I beg to differ with you on this. Tata Young Citizen Fund had been a good fund. But its performance for last 1 yr is far from satisfactory. And it has given below avg return as u can see below:
Time Period Fund return Category return
Year to Date -18.09 -5.83
1-Month 1.78 1.05
3-Month -1.88 0.27
1-Year -7.73 3.04
( Source VROL as on 31/08/08)
So it has given a yearly return of -7.73% much below the category avg of 3.04%. In fact it is not at all a conservative fund but by design it is an aggressive fund as it has been mandated to invest 50%in Equity and 50% in Debt, a dangerously high proposition in its category ie Debt oriented Hybrid Fund. Of course if u compare with an Equity Fund it will look like a conservative fund but comprasion should be apple to apple.And its Risk Grade and Return Grade ahre also HIGH and HIGH respectively as per VROL site( As on Aug 31 2008). it can be seen from its high Standard Deviation( 13.22) and low Sharpe ratio ( 0.44) also. In fact due to its recent poor performance it has been downgraded from 4 star to 3 star rating by VROL.
Regds
Ashport
Tracked by: 0 Boarder
Dear Guest,
Kindly stop your sip in both the funds AT ONCE!!!!.
The both the funds have average performance to show, you can do better by investing in Good Diversified Equity Funds. While ICICI Pru Child Care Gift Fund is a Balanced Fund, ICICI emerging Fund is Mid-cap fund. I am sure both the funds would trail Diversified Equity Funds in return over a period of 5-6 years, which seem to be your time horizon.
Invest your monthly 1000 sip in the following funds for maximum returns.
250 * 2 in Reliance Growth Fund (500)
500 * 1 in Fidelity Equity Fund (500)
1000 * 1 in HDFC Top 200 fund (1000)
It would be good if you also switch your existing investment in ICICI Emerging Star to a Good Large Cap fund from the ICICI Stable like ICICI Focussed Equity Fund.
Best of luck,
Srikanth Shankar Matrubai.
...
In reply to:
MF Investment Mistakes
Posted by : Guest
I too have invested equally in the name of my son (age 13) and daughter (age 12) under advise from my broker. They are as follows:
-icicipru child care gift, purchase date may 2004, current market value Rs 248980, monthly sip Rs 1000 running now since jun 2005.
-icici emerging star, purchase date june 2005, current market value Rs 41773, monthly sip Rs 1000 running now since jun 2005.
Please advise what changes are required for the benefit of my childrens\\`s future.
Tracked by: 0 Boarder
Hello Ashal, Ranjan, Ashport & Others
Thumps up to you all for helping everyone on the MMB. We must try to help each other as much as possible.
What do you say about looking at the ratio analysis of MF, like Beta, Alpha, Sharp Ratio, Expense Ratio, Std. deviation, P/E & P/B?
I have started looking at all these but sometimes it\\`s difficult to make a decision after seeing these ratios.
Is there any good recommendable book to understand all these investment strategies?
Wishes
Zapper...
In reply to:
A New Commer - Pls Guide
Posted by : ashalanshu
Dear friend, as u r now member of MMB, One thing is sure, u 'll get valuable advise about ur investments. A lot of us have no access to so called quality advisers, That's why we joined here @ MMB.
It is good on ur part that u r learning from ur mistakes & at the same time r ready to rectify the same. My dear friend if u r for long term say 10-15 years, don't fret much over current downturn of ur portfolio. Over the period, ur losses 'll be wiped out & there 'll be a lot of positive portfolio, but do remember to readjust & rebalance ur portfolio.
happy investing
Thanks
Ashal
Tracked by: 0 Boarder
Dear Ashport,
HDFC TOP 200 does not allow SIP amount Rs.500. Either 1000 (Monthly) or 3000 (quarterly)
Thanks. ...
In reply to:
MF Investment Mistakes
Posted by : ashport
Dear Sodium
I beg to differ with you on this. Tata Young Citizen Fund had been a good fund. But its performance for last 1 yr is far from satisfactory. And it has given below avg return as u can see below:
Time Period Fund return Category return
Year to Date -18.09 -5.83
1-Month 1.78 1.05
3-Month -1.88 0.27
1-Year -7.73 3.04
( Source VROL as on 31/08/08)
So it has given a yearly return of -7.73% much below the category avg of 3.04%. In fact it is not at all a conservative fund but by design it is an aggressive fund as it has been mandated to invest 50%in Equity and 50% in Debt, a dangerously high proposition in its category ie Debt oriented Hybrid Fund. Of course if u compare with an Equity Fund it will look like a conservative fund but comprasion should be apple to apple.And its Risk Grade and Return Grade ahre also HIGH and HIGH respectively as per VROL site( As on Aug 31 2008). it can be seen from its high Standard Deviation( 13.22) and low Sharpe ratio ( 0.44) also. In fact due to its recent poor performance it has been downgraded from 4 star to 3 star rating by VROL.
Regds
Ashport
Tracked by: 0 Boarder
Dear Sodium
I beg to differ with you on this. Tata Young Citizen Fund had been a good fund. But its performance for last 1 yr is far from satisfactory. And it has given below avg return as u can see below:
Time Period Fund return Category return
Year to Date -18.09 -5.83
1-Month 1.78 1.05
3-Month -1.88 0.27
1-Year -7.73 3.04
( Source VROL as on 31/08/08)
So it has given a yearly return of -7.73% much below the category avg of 3.04%. In fact it is not at all a conservative fund but by design it is an aggressive fund as it has been mandated to invest 50%in Equity and 50% in Debt, a dangerously high proposition in its category ie Debt oriented Hybrid Fund. Of course if u compare with an Equity Fund it will look like a conservative fund but comprasion should be apple to apple.And its Risk Grade and Return Grade ahre also HIGH and HIGH respectively as per VROL site( As on Aug 31 2008). it can be seen from its high Standard Deviation( 13.22) and low Sharpe ratio ( 0.44) also. In fact due to its recent poor performance it has been downgraded from 4 star to 3 star rating by VROL.
Regds
Ashport
...
In reply to:
MF Investment Mistakes
Posted by :
Sodium
Dear Ashport
TATA Young Citizen fund is one of the good funds with children specific theme and so far it is doing well - as per its design, conservative approach in investing.
Happy Investing
Take care
Sodium
Tracked by: 0 Boarder
i have 2 sip of 1000 for 5 years each in ril diversified power sector fund & sbi midcap fund.i had horizon of 5 to 7 years.
Wheater it will be better to continue this sip or should stop sip & tranfer the sip in another fund fund ?
Which wil be the better fund? ...
In reply to:
New to investing: Opt for diversified equity funds
Posted by : MMB Messenger
Dhirendra Kumar of valuereaserachonline.com feels a good diversified equity fund is the best way to get started for investors looking at regular investing for three years and beyond.
Tracked by: 0 Boarder
Dear Guest
Immediately stop SIP in above two funds (as performance of both these funds are below avg) and start SIP in the following funds
DSPML Top 100....1000
Magnum Contra....500
HDFC Top 200.....500
i hv assumed these are your only investment as far as MF investments are concerned. After completion of 1 yr of your last SIP instalment you can switch over from ICICI Emerging Star Fund to ICICI Pru Dynamic Fund, a much better fund from the same fund house.
And once you complete 3 yr of holding period o last SIP instalment in ICICI Pru Child Care, better to exit from this fund also and invest in some other large cap fund.( Selection to be based on then performance) ...
In reply to:
MF Investment Mistakes
Posted by : Guest
I too have invested equally in the name of my son (age 13) and daughter (age 12) under advise from my broker. They are as follows:
-icicipru child care gift, purchase date may 2004, current market value Rs 248980, monthly sip Rs 1000 running now since jun 2005.
-icici emerging star, purchase date june 2005, current market value Rs 41773, monthly sip Rs 1000 running now since jun 2005.
Please advise what changes are required for the benefit of my childrens\\`s future.
Tracked by: 0 Boarder
every body want to capital increase or wealth building...
Tracked by: 0 Boarder
Whether themetic & gold fund will be better one for investment? or it wil be better to invest in normal equity scheme?
...
In reply to:
Will ICICI Pru SMART fund appeal to retail investors?
Posted by : MMB Messenger
ICICI Prudential SMART fund’s NFO opened on August 18 and will close on September 19. This is a kind of structured debt scheme and seeks to invest up to 95% in equity-linked debentures. Nilesh Shah, ICICI Pru believes that this product will find placement among the retail investors portfolio also.
Tracked by: 0 Boarder
ICICI Prudential SMART fund’s NFO opened on August 18 and will close on September 19. This is a kind of structured debt scheme and seeks to invest up to 95% in equity-linked debentures. Nilesh Shah, ICICI Pru believes that this product will find placement among the retail investors portfolio also. ...
Tracked by: 0 Boarder
Dear Sharmaji,
To be frank, as of now I still do not have a good EXIT strategy. Have not done much thinking on how long should one wait before getting out of a fund.
I do not like to churn my funds too much. I prefer staying invested and giving some time to my investments. I have stopped fresh SIP\\`s but am planning to stay invested in both JM Equity and HDFC Capital Builder for atleast another year before I decide to switch.
Thanks,
Raj...
In reply to:
MF Investment Mistakes
Posted by : pcspune
Dear vvrk,
I had also Invested in JM Equity & HDFC Taxsaver but Redeemed in Dec.2007 & April 2008.
There is no need to remain invested in POOR Performing Funds if their Performance continue below Average for more than 2-3 Quarters.
Among JM Funds JM CONTRA appears to be BETTER.
Among HDFC Funds HDFC GROWTH is BETTER.
Please Discontiue Further Investment & switch to better Performing Funds.
P.C.Sharma
Tracked by: 0 Boarder
This is good article & advise but if some one is having only limted funds to invest than how can he wait for a year or keep on waiting for the down fall. We will request author to guide us - how to turn over this linted investment to get the moderate returns. Thanks....
In reply to:
Market ups & downs – What should you do now?
Posted by : MMB Messenger
Current market condition is such that any good or bad headlines can push the market accordingly in respective directions. So what should you do in today’s market?
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