Dear techguy1979,

Investment in Following 4 Funds is GOOD Planning :

Birla Frontline Equity
DSPML Top 100 Equity
HDFC Top 200
Sundaram Select Focus.

Switch FUTURE SIP from DWS Investment Opportunity Fund to DWS Alpha Equity Fund

Switch FUTURE SIP from Reliance Growth Fund to Reliance Equity Advantage Fund or Reliance Quant Plus Fund.

Instead of SBI CONTRA Fund Invest in IDFC Imperial Equity Fund( Large
Cap Fund) or IDFC Premier Equity Fund(Midcap Fund)

Please note that you DONT need to Invest in FD more than 6-12 Months Expences ( 2-4 Lacs) to meet Emergency Expences. If you are in Higher Tax Bracket, Invest in Debt Fund like HDFC High Interest Fund Treasury Plan or Birla Income Fund.

Please note that Value of your money may get Eroded in FD due to TAX Laws & Inflation.

If you want Safety of Investments, Following are GOOD Options(BY STP)

DSPML Balance Fund
UTI Mahila Unit Scheme

P.C.Sharma...

Dear db8037,

Following Largecap Oriented Funds may be Good Option for Investment:

DWS Alpha Equity Fund
IDFC Imperial Equity Fund
Reliance Quant Plus/Equity Advantage Fund
HDFC Growth/Top 200 Fund

Reliance Div.Power may be continued & Reviewed after each Quarter.It is one of BEST Performing Funds even in current Market.

P.C.Sharma







...

Dear db8037,

Performance of Following Funds is Below Average. You may Switch to better Performing Funds.

Lotus AGILE Fund
Sundearam Capex Fund.

Invest in Large Cap Funds only.

P.C.Sharma...

On 10th Oct. very Few Investors DARED to buy the shares due to PANIC Situation. Mostly HNI & MF / FII must have Bought the shares.

It requires conviction to buy shares in Panic Situations.

P.C.Sharma...

Dear Gyest,

Investors have lost money in Equity funds which they may recover again if wait Patiently to Recovery of Market if invested in GOOD Funds.

Loss of money in Liquid Funds / FMP is not reported till today.

RBI is just trying to provide money for Redeemption of Liquid Funds by Big Corporates.

P.C.Sharma...

Dear Radhika Nandlal,

If you decide to buy Gold, it should be in small Quantities on Declines( Similar to SIP Style).

P.C.Sharma...

Dear Radhika nandlal,

I DONT see GOLD as an effecient Investment from Returns Point of view
& hence never monitored it as Investment avenue. If you understand it Properly & monitor Regularly, it may be an Option.

Regarding 100 - AGE Formula,my views are as Following.

If somebody youngman in TWENTIES has only few Thousand Rupees, he should Invest at least 6 months Expences in DEBT & Remaining ( say less han 50% of Total Assets) in Equity.

If somebody is above 50 years & have 1 Crore Rupees, he should Invest 5-10 Lacs in Debt & Remaining ( over 90% ) in Equity so that he is not short of money at the Age of 80 years(considering Infltion).

for VAC please visit w w w moneytoday dot in website & Click on Mutal Funds & 10th month. Lot about VAC was Exchanged last month by vvrk & Anshal on this Board.

P.C.Sharma...

thanks for your suggestion. are rest of the funds OK? which funds I should switch to? Is Reliance Div Power worth investing? I dont see power sector doing good for next couple of years...

I quite agree------ investing at 10-20% from the bottom in lumpsum is better than SIP if we are having discipline to invest lumpsum at NEAR BOTTOMS. Many times we are very scared or nervous. often we may invest lumpsum in bottom but market makes further bottom then we feel no it will go down further and i have already done lumpsum, so no more now , ill wait. That way we miss the lower bottom alsooften in bottom our courage is limited and we may invest partial amounts in few funds of choice and not all funds of choice thinking i will invest more in lower bottom SO there are also drawbacks to this method though it is advisable to do some lumpsum investment along with regular SIP at bottom also averaging is SIP makes you buy lower units at higher prices and vice cersa so the effect is not as bad as we may think in SIP thanks -ritul...

Yes pcspune, a staggered method is the best method. But trading once or twice a year on days like ystday is the best way to build wealth. Imagine one could have made 50% in skumars and 10% in SBI with 20% in relcom in ONE DAY. ...

Thansk pcspune, I will check it out. In UK right now there is a gold rush. Its so sad to invest for a 25 year term when i am 46, of what use to me? However i have emailed ur investment pattern to my nieces, nephews and kids so they read it at office. I will however be trying out ulips and mahila plans....

Thanks a lot pcspune for giving us a glimpse into your investment style. I have in fact saved ur post for future reference. YOu see this is the time to sell everything and invest in equity related instruments. BTW you havent mentioned gold at all. In UK I understand folks are Queing up to buy Gold. Dint know UK will display the herd mentality that India displays for the yellow metal. LOL Mahila unit scheme really looks interesting, i should look it up and also take some ULIP... what i feel sad about though is that i dint have the interest when i was 20 years old to invest safely and wisely. Only now i have developed an enormous interest in Wealth creation. Had i this kind of interest, i could have beaten my hubby to the game. LOL.. frankly the kind of interaction MMB provides it would be impossible to get anywhere in the world. Its almost like a free service. Thanks a lot. Equity investment = 100- age Yes the above leaves no room for optimism for citizens over 40. Regards Radhika What is VAC process?...

Pune, Thanks, but i am not sure if i can take risks with MFs at highs, now though there is no risk in MFs so i might break and invest in MFs. Yes pension plans are lousy. I dont know what to do. I think i will just sit on everything as is. LOL...

Hello Everyone, Thanks to your suggestions I invest in 4 funds in SIP. 1.DSP ML TIGER (I dont see amny people recommending ths fund. Why? If i can move to anyother fund , what can it be?) 2. franklin India Prima plus fund - i dint see anyone recommending this 3.Sundaram select focus 4.HDFC growth I invest 2500 pm one each of this. Please suggest if i should move to someother fund....