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MF Investment Help
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We have to survive through a bad or a lean period, else we may not be there when the situation changes for the better. The survival can be achieved through proper planning. Prudence plays a major role. A balanced mind can help....
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Vetri Subramaniam, Head-Equity Funds, AEGON Religare AMC Mumbai OB said that the Indian markets would be more sensitive to the global market cues at some level....
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Dear ashgoel,
Your observations / Conclusions are absolutely correct.
SIP is Excellent option for Salaried Persons, specially those who have no Time to monitor & Invest as per situations.
Economic Times Supplement ( Investor Guide)of today Carries an Article on FRONT PAGE Explaining the Importance of TIMING the Market.You may not catch the ABSOLUTE TOP or BOTTOM but no harm in TRYING to Time the Market.
Investors may Invest Partially by SIP & add Lumpsum on Declines. In Bull Market you can not Invest except SIP if Market goes up Continuously for 6-12 months.
P.C.Sharma
...
In reply to:
MF`s SIP`s giving negative returns
Posted by :
ashgoel
i see SIP as a downfall control mechanism, if someone can time time market even 10% above its lows, it is prudent to invest lump some.
here are the funds i hve been investing in SIP for last 5 years[whereever applicable]. lumpsome returns are better
Fund Name (list of all the SIP funds 5-Year
of that particular Fund House) Return (%)
SIP Non-SIP
DWS Alpha Equity 0.26 34.59
DWS Investment Opportunity ----- -----
DSPML Equity 0.1 37.91
DSPML Opportunities 0.23 32.92
DSPML Top 100 Equity Reg 0.28 34.97
DSPML T.I.G.E.R. Reg ----- -----
Franklin India Prima Plus 0.25 33.14
HDFC Top 200 0.28 34.94
HDFC Equity 0.26 34.24
HSBC Equity 0.25 36.54
Kotak 30 0.28 36.36
Kotak Opportunities ----- -----
Magnum Contra 0.28 47.58
Reliance Vision 0.23 32.78
Reliance Growth 0.33 44.29
Sundaram BNP Paribas Select Focus Reg 0.28 33.41
Sundaram BNP Paribas Select Midcap Reg 0.29 40.42
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i see SIP as a downfall control mechanism, if someone can time time market even 10% above its lows, it is prudent to invest lump some.
here are the funds i hve been investing in SIP for last 5 years[whereever applicable]. lumpsome returns are better
Fund Name (list of all the SIP funds 5-Year
of that particular Fund House) Return (%)
SIP Non-SIP
DWS Alpha Equity 0.26 34.59
DWS Investment Opportunity ----- -----
DSPML Equity 0.1 37.91
DSPML Opportunities 0.23 32.92
DSPML Top 100 Equity Reg 0.28 34.97
DSPML T.I.G.E.R. Reg ----- -----
Franklin India Prima Plus 0.25 33.14
HDFC Top 200 0.28 34.94
HDFC Equity 0.26 34.24
HSBC Equity 0.25 36.54
Kotak 30 0.28 36.36
Kotak Opportunities ----- -----
Magnum Contra 0.28 47.58
Reliance Vision 0.23 32.78
Reliance Growth 0.33 44.29
Sundaram BNP Paribas Select Focus Reg 0.28 33.41
Sundaram BNP Paribas Select Midcap Reg 0.29 40.42
...
In reply to:
MF`s SIP`s giving negative returns
Posted by : mone
Hello,
I am having SIP`s in the following Mutual funds for the last 18 months. Currently all of them are giving negative returns. Please advice whether i should hold /switch or redem it:
1) HDFC GROWTH FUND - GROWTH
2) RELIANCE GROWTH FUND - GROWTH PLAN
3) TATA INFRASTRUCTURE FUND - GROWTH
4) KOTAK OPPORTUNITIES-GROWTH
Non-SIP funds
1) FIDELITY TAX ADVANTAGE FUND GROWTH
2) RELIANCE TAX SAVER FUND - GROWTH PLAN
3) TEMPLETON INDIA EQUITY INCOME FUND DIVIDEND PLAN
Thanks
Mone
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Hello
I have invested in mainly TAX saving Mutual funds with a lock period of 3 years but I can hold my investment for 4-5 years. I invested 95000 in 2007-08 and it stands on a loss of -54% today.
Then I invested 75000 till date for 2008-09 and it stands on -30% today. I have stopped investing right now. I can invest RS25000 more but waiting for the right time . please suggest where should I invest? Should I buy more units of the existing funds to decrease the average cost? Please suggest.
Under mentioned is my portfolio.
2007-08 (Loss as ON 11 october 2008)
DSP-MLTax Saver Fund (G) 35000 invested Rs. 18.72 per unit stands on -54.51% loss
DWS Tax Saving Fund (G) 20000 invested - Rs. 18.84 per unit stands on -56.50 loss
Kotak Tax Saver (G) 30000 invested Rs . 23.98 per unit stands on -57.83% loss
Reliance Natural Resources (G) 10000 invested Rs. 10.23 per unit stands on -36.52% loss
2008-09 (Loss as ON 11 october 2008)
DWS Tax Saving Fund (G) 10000 invested Rs. 11.02 Per unit stands on -25.63% loss
HDFC Long Term Advantage (G) 5000 invested Rs. 84.68 Per unit stands on -19.96% loss
HDFC Tax Saver (G) -5000 invested Rs. 132.82 Per unit stands on -17.56% loss
ICICI Pru Tax Plan (G) 32000 invested Rs. 96.14 Per unit stands on -35.25% loss
JM Tax Gain Fund (G) -10000 invested Rs. 10.850 Per unit stands on -52.08% loss
Kotak Tax Saver (G) - 5000 invested Rs. 13.37 Per unit stands on -24.37% loss
Sundaram Tax Saver (G) - 10000 invested Rs. 29.40 Per unit stands on -11.07% loss
Thanks
Deep
Scheme Last Price Quantity Inv. Price Overall Gain Overall Gain Latest Value
DSP-MLTax Saver Fund (G) (2) 8.52 18.72 18.72 -993 -54.51% 15,924
DWS Tax Saving Fund (G) (2) 8.20 15.24 15.24 -1,185 -46.21% 16,136
HDFC Long Term Advantage (G) 67.78 59.049 84.68 -998 -19.96% 4,002
HDFC Tax Saver (G) 109.50 37.646 132.82 -878 -17.56% 4,122
ICICI Pru Tax Plan (G) (8) 62.25 340.245 94.05 -10,819 -33.81% 21,180
JM Tax Gain Fund (G) 5.20 921.990 10.85 -5,211 -52.08% 4,793
Kotak Tax Saver (G) (2) 10.11 21.54 21.54 -1,170 -53.05% 16,430
Reliance Natural Resources (G) 6.49 977.995 10.23 -3,654 -36.52% 6,351
Sundaram Tax Saver (G) 26.15 340.105 29.40 -1,107 -11.07% 8,892
Thanks
Deep
...
Tracked by: 0 Boarder
Dear Mone,
Performance of all your Funds is better than Average Except Reliance Tax Saver Fund.
Continue SIP in all 4 Funds.
Dont Redeem Fidelity Tax Saver & Templeton Equity Income.You can Expect GOOD Returns after 2-3 years.
Switch Reliance Tax Saver to Reliance Equity Advantage Fund after 3 years Lock-In.
P.C.Sharma...
In reply to:
MF`s SIP`s giving negative returns
Posted by : mone
Hello,
I am having SIP`s in the following Mutual funds for the last 18 months. Currently all of them are giving negative returns. Please advice whether i should hold /switch or redem it:
1) HDFC GROWTH FUND - GROWTH
2) RELIANCE GROWTH FUND - GROWTH PLAN
3) TATA INFRASTRUCTURE FUND - GROWTH
4) KOTAK OPPORTUNITIES-GROWTH
Non-SIP funds
1) FIDELITY TAX ADVANTAGE FUND GROWTH
2) RELIANCE TAX SAVER FUND - GROWTH PLAN
3) TEMPLETON INDIA EQUITY INCOME FUND DIVIDEND PLAN
Thanks
Mone
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Dear Mone,
I must ask you this one question. Why did you invest in these funds in the first place?
If it was to make quick bucks in a short period of 2 years via SIP, then you might as well redeem all the funds and invest in safer bank deposits as the recovery is going to be slow and painful. On the other hand if you have a sound strategy for these investments and do not need money in near future,(3 to 5 years)then hang on and you will be rewarded for your patience.
Regards,
Wadia...
In reply to:
MF`s SIP`s giving negative returns
Posted by : mone
Hello,
I am having SIP`s in the following Mutual funds for the last 18 months. Currently all of them are giving negative returns. Please advice whether i should hold /switch or redem it:
1) HDFC GROWTH FUND - GROWTH
2) RELIANCE GROWTH FUND - GROWTH PLAN
3) TATA INFRASTRUCTURE FUND - GROWTH
4) KOTAK OPPORTUNITIES-GROWTH
Non-SIP funds
1) FIDELITY TAX ADVANTAGE FUND GROWTH
2) RELIANCE TAX SAVER FUND - GROWTH PLAN
3) TEMPLETON INDIA EQUITY INCOME FUND DIVIDEND PLAN
Thanks
Mone
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HDFC Growth - Continue
Reliance Growth - Continue
Tata Infra - Stop
Kotak Opportunities - Continue
Fidelity Tax Advantage - almost 2 year old, 4-6% better than it`s category
Reliance Tax Saver - More or less with it`s category for last 3 years, but gone down less in last 3 months
Templeton India Equity Income - Lagging with it`s category, should switch...
In reply to:
MF`s SIP`s giving negative returns
Posted by : mone
Hello,
I am having SIP`s in the following Mutual funds for the last 18 months. Currently all of them are giving negative returns. Please advice whether i should hold /switch or redem it:
1) HDFC GROWTH FUND - GROWTH
2) RELIANCE GROWTH FUND - GROWTH PLAN
3) TATA INFRASTRUCTURE FUND - GROWTH
4) KOTAK OPPORTUNITIES-GROWTH
Non-SIP funds
1) FIDELITY TAX ADVANTAGE FUND GROWTH
2) RELIANCE TAX SAVER FUND - GROWTH PLAN
3) TEMPLETON INDIA EQUITY INCOME FUND DIVIDEND PLAN
Thanks
Mone
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It`s not the time of redemption. Inspite of that u can make rev averaging....
In reply to:
MF`s SIP`s giving negative returns
Posted by : mone
Hello,
I am having SIP`s in the following Mutual funds for the last 18 months. Currently all of them are giving negative returns. Please advice whether i should hold /switch or redem it:
1) HDFC GROWTH FUND - GROWTH
2) RELIANCE GROWTH FUND - GROWTH PLAN
3) TATA INFRASTRUCTURE FUND - GROWTH
4) KOTAK OPPORTUNITIES-GROWTH
Non-SIP funds
1) FIDELITY TAX ADVANTAGE FUND GROWTH
2) RELIANCE TAX SAVER FUND - GROWTH PLAN
3) TEMPLETON INDIA EQUITY INCOME FUND DIVIDEND PLAN
Thanks
Mone
Tracked by: 0 Boarder
Hello,
I am having SIP`s in the following Mutual funds for the last 18 months. Currently all of them are giving negative returns. Please advice whether i should hold /switch or redem it:
1) HDFC GROWTH FUND - GROWTH
2) RELIANCE GROWTH FUND - GROWTH PLAN
3) TATA INFRASTRUCTURE FUND - GROWTH
4) KOTAK OPPORTUNITIES-GROWTH
Non-SIP funds
1) FIDELITY TAX ADVANTAGE FUND GROWTH
2) RELIANCE TAX SAVER FUND - GROWTH PLAN
3) TEMPLETON INDIA EQUITY INCOME FUND DIVIDEND PLAN
Thanks
Mone
...
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I started Reliance Growth SIP of Rs.1000 per month in May 2007, should I continue with it?
My other one time investments are:
Fidelity International opp - Rs.10000,(Apr 07)
SBI Magnum taxgain Rs.15000 (Apr 07)
ICICI Pru Infrastructure Rs.15000 (Jan 08)
DSP Merryl Tiger Rs. 20000 (Mar 08)
Reliance Diversified Power Rs 10000 (Mar 08)
JM Basic Rs.10000 (Mar 08)
HDFC Children Gift Invst Lock in Rs.15000 (May 08)
Are my investments ok?
Thanks
Kalpana...
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Which Gold Fund is better?
DSP-ML
or
AIG
Because, it has ben noticed that, their returns varies even on same date. Some day, both show positive return, some day, they differs....
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Dear Wadia,
I feel that Money control Boarders may be considered as INFORMED INVESTORS. For Such Investors Large Cap Oriented Diversified Equity Funds as mentioned by you are Better Option.
For Average Investors(not able to Monitor their Investments),Index Funds may be OK.
In US Context Index Funds are Better,. In Indian Context,Efficiently Managed Div. Equity Funds are Better for Informed Investors.
P.C.Sharma
...
In reply to:
Stick to largecap over midcap funds
Posted by :
wadia
Dear Milind,
The large cap funds can further be classified as growth, blend and Value funds. Growth stands for growing companies with expansion plans, while value means high dividend yeilding stocks and blend is mix of both.
Some of the good large cap funds are
Sundaram select focus
Kotak 30
Birla sunlife Frontline equity
DSPML Top 100
Even the index funds can fit into large cap funds category such as
ICICI Pru index or UTI Master Index.
The performance of these funds are in line with their benchmark and also category average.
Regards,
Wadia
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Hello everyone,
I am 31 years old and investing in MF from last 1 year. My view is for longtime, below is my portfolio details. I will like to know in the current market scenario shall I continue with the same funds or do some change over in my funds. First 5 funds below I am investing from last 1 year and next 6th, 7th and 8th fund I have just started this month. All SIP for the Amt Rs. 2500/-.
Is my other fund selection are good ?
Funds
1) DSP-ML India T.I.G.E.R
2) HDFC Tax Saver
3) Reliance Diver. Power
4) SBI Magnum Tax Gain
5) Tata Infrastructure Fund
6) DWS Inv Opp. Fund
7) Reliance RSF
8) Sundaram Tax Saver
Thanks
GD
...
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Dear All Fellow Boarders,
Has the time come to start investing in Index or exchange traded funds?
Let us start a discussion on this subject.
All are invited to comment and suggestions if any.
Regards,
Wadia...
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