MF Investment Help

MUTUAL FUND INVESTMENT

Posted by : blackshirt12

Dear Sir,

Thanks for your reply.
It is unfortunate that people like you are not visiting this board regularly.
Have you left India permanently??
Hope you change your decision and be more proactive in this board..

Regards..

FMPs: article in today's TOI

Posted by : techguy1979

The following article came in today's TOI, business section. I was planning to invest around 4 L in FMPs, but now I am really worried.

In fix over fixed maturity plans

Lately, fixed maturity plans (FMPs) have been competing hard against bank FDs for investor interest, with FMPs often luring people and corporates with much higher returns. But behind the lure of significantly higher FMP payouts, the risks associated with these instruments are also increasing by the day. A number of fund houses offering FMPs with very high returns are accepting corporate papers from large real estate players already crunched for funds. Not only this, a few of the real estate players are not even in a position to pay back the principal amount on these papers. And fund houses, finding no other option to meet FMP obligations, are rolling over the same papers, launching back-to-back FMPs and transferring the papers to the new schemes. So while HNIs and retail investors are rushing to high-yielding FMPs—some even knowing well that risky corporate papers are being rolled over, a large number of corporates, used to chasing risk-free steady returns, are turning away from such “lucrative’’ FMPs. Market players are worried that this vicious cycle of rollovers and inability to pay the principal amount could lead to serious cracks in the system.

MF Investment Mistakes

Posted by : techguy1979

Dear Mr. Sharma,

Thanks for the post, I was assuming VROL ratings to be kind of bible in MF business. But apparently it's not so in all cases. I would really like to see other boarders' opinion about this.

I could not understand the last 2 lines of your post. What's the difference between "I see the Ranking of Fund in 1 / 3 / 5 years Performance" and "I see the RANKINGS in last 5-7 CALENDER Years" ? Can you please elucidate?

Thanks.

MUTUAL FUND INVESTMENT

Posted by : subasu

Dear bs12,

I am sorry for the belated reply.

I am out of India and do not visit the board regularly and do not read all messages.

I have trusted Sundaram, HDFC, Franklin and SBI for my MF investments and those for whom I manage the portfolio. ULIPs do not interest me.

I would advocate Sundaram and HDFC as 1 and 2 or 2 and 1 and the others as per your choice.

subasu

to invest around 1 lakh and start sip

Posted by : Guest

Following are the mutual fund schemes i want to invest in. Please advice

Investments of 1 lakh in following
==================================
ICICI Pru Infrastructure Fund - Retail Plan (G) - Equity Diversified - Rs.10000
ICICI Pru Dynamic Plan (G) - Equity Diversified - Rs.10000
DWS Investment Opportunity Fund (G) - Equity Diversified - Rs.10000
Sundaram BNP Paribas Growth Fund (G) - Equity Diversified - Rs.5000
IDFC Premier Equity Fund (G) - Equity Diversified - Rs.25000
Templeton India Growth Fund (G) - Equity Diversified - Rs.10000
DSP-ML Balanced Fund (G) - Balanced - Rs.5000
Tata Balanced Fund (G) - Balanced - Rs.5000
Principal Monthly Income Plan - MIP Plus (G) - Monthly Income Plan - Rs.5000
Birla Sun Life MIP II -Savings 5 Plan (G) - Monthly Income Plan - Rs.5000
Templeton India Govt. Sec. - Long Term Plan - Debt - Long Term - Rs.10000



and SIP for monthly 4000
========================
Reliance Regular Savings Fund - Equity Option - Equity Diversified - Rs.1500
Sundaram BNP Paribas Tax Saver (OE) (G) - Equity Tax Saving - Rs.1000
Tata Infrasturcture - Equity Diversified - Rs.1500

I have sips of reliance equity opp,fra

Posted by : Live wire

Thanks for the advice ,
i also have hdfc growth ,reliance growth ,can i stay invested ,or should i switch out from it ,kindly suggest few stocks investment ideas also .

MF Investment Mistakes

Posted by : ashok_n

Dear Raj,

I have the same attitude as yours - not to churn too much. The fact is nobody gets it right. I also have a huge chunk of money in HDFC Capital Builder (and still continuing SIP). In the past I have gone wrong with FT Prima and Sundaram Select Midcap and got it right with DSP ML Equity and FT Prima (I held it too long :-) ). So the fact remains that you can't just get it right everytime. The strategy I try to follow now is:
1. Only SIPs of 2 years
2. While starting a SIP, choose Valueresearch 4* or 5* fund.
3. If the fund falls to 3*, continue SIP till the term ends and then Hold.
4. If the fund continues 3*, Hold. Redeem if you want to book Capital losses (for tax purposes).
5 If the fund falls to 2*, stop SIP and Redeem immediately.

Since Valueresearch changes its ratings every month, you may not go wrong too much.

Please comment on the strategy.

regards,
Ashok

I have sips of reliance equity opp,fra

Posted by : Live wire

Thanks for the advice ,
i also have hdfc growth ,reliance growth ,can i stay invested ,or should i switch out from it ,kindly suggest few stocks investment ideas also .

MF Investment Mistakes

Posted by : dsvas

thank you for your suggesstion.But suggested funds are purely equity(above 65%) funds. but i want to invest in the balanced funs (50%equity 50%debt). equity funds are more risk than the balanced funds.mainly it is for my daughter's future needs. so i don't take that risk. so i ask the balanced fund category whcih is the best fund.
i have also diversified equity funds as sip. sundaram select focus,sbi comma fund.(rs.1000/-each) what about comma fund.i also know from you about franklin india flexi cap fund (investing motoo of all caps) templeton india equity fund, fidelity india growth fund,uti infrastructure fund.

to invest around 1 lakh and start sip

Posted by : Guest

Following are the mutual fund schemes i want to invest in. Please advice

Investments of 1 lakh in following
==================================
ICICI Pru Infrastructure Fund - Retail Plan (G) - Equity Diversified - Rs.10000
ICICI Pru Dynamic Plan (G) - Equity Diversified - Rs.10000
DWS Investment Opportunity Fund (G) - Equity Diversified - Rs.10000
Sundaram BNP Paribas Growth Fund (G) - Equity Diversified - Rs.5000
IDFC Premier Equity Fund (G) - Equity Diversified - Rs.25000
Templeton India Growth Fund (G) - Equity Diversified - Rs.10000
DSP-ML Balanced Fund (G) - Balanced - Rs.5000
Tata Balanced Fund (G) - Balanced - Rs.5000
Principal Monthly Income Plan - MIP Plus (G) - Monthly Income Plan - Rs.5000
Birla Sun Life MIP II -Savings 5 Plan (G) - Monthly Income Plan - Rs.5000
Templeton India Govt. Sec. - Long Term Plan - Debt - Long Term - Rs.10000



and SIP for monthly 4000
========================
Reliance Regular Savings Fund - Equity Option - Equity Diversified - Rs.1500
Sundaram BNP Paribas Tax Saver (OE) (G) - Equity Tax Saving - Rs.1000
Tata Infrasturcture - Equity Diversified - Rs.1500

A New Commer - Pls Guide

Posted by : Guest

Dear Ashal,

I mentioned of looking at these ratios and not calculating myself. Why I should do that when they as you mentioned are on available the web sites. Sometimes it\\`s difficult to make decisions looking at these ratios. I just wanted to have you guys opinion on this. Also I would like to ask whether there is any recommendable book.

Thks
Zapper

MF Investment Mistakes

Posted by : dsvas

thank you for your suggesstion.But suggested funds are purely equity(above 65%) funds. but i want to invest in the balanced funs (50%equity 50%debt). equity funds are more risk than the balanced funds.mainly it is for my daughter's future needs. so i don't take that risk. so i ask the balanced fund category whcih is the best fund.
i have also diversified equity funds as sip. sundaram select focus,sbi comma fund.(rs.1000/-each) what about comma fund.i also know from you about franklin india flexi cap fund (investing motoo of all caps) templeton india equity fund, fidelity india growth fund,uti infrastructure fund.