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MF Investment Help
Tracked by: 0 Boarder
I have read that Liquid funds are subject to capital risk, though practically it has never happened till date.
Do you think in the current situations where many financial institutions are going bust, it is possible that liquid fund NAVs go negative?
Please advise!!!
...
Tracked by: 3 Boarders
Do you suggest to redeem all my holding in TIGER fund Or safe to keep them and watch the performance?
Thanks.....
In reply to:
Top 5 MFs to invest in Current Market
Posted by :
ashport
Dear pfquery
DSPML TIGER is a thematic/sectoral fund and one should avoid investing in such funds because if the sector is out of favour, your investment can erode very sharply. As you must be feeling now since infrastucture theme is out of favour, infrastructure based funds have been one of the biggest loser this year.
It`s better you stop further SIP in this fund and start new SIP in DSPML Top 100, a conservative large cap fund.
As far Fraklin India Prima Plus is concerned, it is a consistent perfomer and you can remain invested.
Regds
Ashport 
Tracked by: 3 Boarders
Dear pfquery
DSPML TIGER is a thematic/sectoral fund and one should avoid investing in such funds because if the sector is out of favour, your investment can erode very sharply. As you must be feeling now since infrastucture theme is out of favour, infrastructure based funds have been one of the biggest loser this year.
It`s better you stop further SIP in this fund and start new SIP in DSPML Top 100, a conservative large cap fund.
As far Fraklin India Prima Plus is concerned, it is a consistent perfomer and you can remain invested.
Regds
Ashport...
In reply to:
Top 5 MFs to invest in Current Market
Posted by :
pfquery
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.
Tracked by: 3 Boarders
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....
In reply to:
Top 5 MFs to invest in Current Market
Posted by :
pcspune
Dear Rohit Nanda,
Investment in Following Largecap Oriented Funds may be GOOD Option.
DSPML Top 100 Equity Fund
DWS Alpha Equity Fund
HDFC GROWTH / Top 200 Fund
IDFC Imperial Equity Fund
Sundaram Select Focus Fund.
Among New Funds I am monitoring the Performance of Reliance Quant Plus Fund * ICICI Focussed Equity Fund.
P.C.Sharma
Tracked by: 1 Boarder
Dear mayekar, From ur chosen funds,
Large Cap - HDFC Top 200 & DSP ML Top 100
Mid cap - Rel. Growth
Multical - SBI Contra
Balanced - HDFC Prudence
Sectoral - IPru Infra
All the funds chosen by u r proven performers over long duration in their respective category. No need to panic. Continue investment in the same.
1. Going for more aggressive fund under large cap category `ll be a personal call.
2. Sitting on Large amount of cash, has helped RRSF to contain the fall better but at the same time, it is a dangerous sign also. The reason is U & me or any other investors r investing in RRSF for Eq. returns & not the returns generated by money market instruments by sitting on cash. If sitting on the cash is going to protect our downslide, it `ll be better to have our money in our own hands.
3. Yes RRSF `ll dilute the large cap bias of ur portfolio.
4. Plz. note for past some time, only the name of SBI is contra, otherwise the portfolio of this funds is more like an aggressive multicap fund. So again it `ll be personal choice between an aggressive fund SBI contra & a conservative fund DSP ML Eq.
Thanks
Ashal...
In reply to:
re: my portfolio
Posted by : Mayekar
Dear Seniors/
I am having following portfolio of SIP MF
1. HDFC top 200
2 DSPML top 100
3 Reliance growth
4. Magnum Contra
5. HDFC prudence
6. Pru icici infrastructure
i am doing EQUAL amount SIP on multiple dates.
DSPML top 100 and magnum contra have replaced HDFC equity and Reliance vision( i stopped my sip in them after 2 yrs)
goal is to continue SIP for 3 more years .
following are my questions:
1. Should i chose a more aggressive large cap like sundaram select focus or K-30 instead of DSPML top 100 since i am already having a conservative large cap like HDFC top 200 in my portfolio
2 There is a strong temptation to chose Reliance regular savings equity fund instead of DSPML top 100 or another large cap. Reason being Reliance RSF has done better, as a fund it is still sitting on larger amounts of cash( so it can do better than others in coming period)
3 IF i chose reliance RSF i am afraid i will not have a large capo bias in my portfolio ( rel growth, Magnum contra, and Pru icici infr are not neccecarily large cap fund). Am i correct in assuming that i may not have a large cap bias by choosing relaince RSF instead of DSPML top 100
4.Ideally it would be better to have a multicap fund like DSPML equity in the portfolio . Instead i have chosen a contra fund like magnum contra. DSPML equity can still be added but then it will affect the balance of the portfolio. Pls comment
Seniors, pls guide
thank you
-Ritul
Tracked by: 0 Boarder
Dear 250778, In the article, SWP stand for systematic withdraw plan.
Under SWP, u first invest a lump sum in any MF scheme & at the time of joining the scheme, also fill the SWP form for withdraw of money on a predefined interval (every week, every month, 3 months or 6 months). the SWP may be in money terms say 10K Rs. or 20K Rs. or in Units terms, say 100 or 500 units redemption on every SWP interval.
I hope the above info `ll be useful to u.
Thanks
Ashal ...
In reply to:
Asset Allocation by Profit Booking in MF
Posted by : 250778
Sir
What does SWP mean in the above article.?
Thanks
Tracked by: 1 Boarder
Dear Seniors/
I am having following portfolio of SIP MF
1. HDFC top 200
2 DSPML top 100
3 Reliance growth
4. Magnum Contra
5. HDFC prudence
6. Pru icici infrastructure
i am doing EQUAL amount SIP on multiple dates.
DSPML top 100 and magnum contra have replaced HDFC equity and Reliance vision( i stopped my sip in them after 2 yrs)
goal is to continue SIP for 3 more years .
following are my questions:
1. Should i chose a more aggressive large cap like sundaram select focus or K-30 instead of DSPML top 100 since i am already having a conservative large cap like HDFC top 200 in my portfolio
2 There is a strong temptation to chose Reliance regular savings equity fund instead of DSPML top 100 or another large cap. Reason being Reliance RSF has done better, as a fund it is still sitting on larger amounts of cash( so it can do better than others in coming period)
3 IF i chose reliance RSF i am afraid i will not have a large capo bias in my portfolio ( rel growth, Magnum contra, and Pru icici infr are not neccecarily large cap fund). Am i correct in assuming that i may not have a large cap bias by choosing relaince RSF instead of DSPML top 100
4.Ideally it would be better to have a multicap fund like DSPML equity in the portfolio . Instead i have chosen a contra fund like magnum contra. DSPML equity can still be added but then it will affect the balance of the portfolio. Pls comment
Seniors, pls guide
thank you
-Ritul...
Tracked by: 0 Boarder
Sir
What does SWP mean in the above article.?
Thanks
...
In reply to:
Asset Allocation by Profit Booking in MF
Posted by : pcspune
I recived a small Publication from SBI MUTUAL Funds last month.It is an EYE OPENER for Investors.
It contains SIP & SWP Returns of SBI CONTRA & other 2 Funds during 3 years.
If somebody Invested Rs.20 Lacs in SBI CONTRA Fund on 1st July,2005(3 years Ago), & Opted for SWP of Rs.25000 Per month(Recieved 9 Lacs in 3 Years),the Fund Value was over Rs. 31 Lacs on
1st July 2008(after 3 Years). It means his returns are 9 lacs + 11 Lacs = 20 Lacs.
Detail study shows that 20,00,000-25000
per month grew to 36 LACS in May,2006 &
then Declined to 29 LACS in June 2008.
FV again GREW to 37 Lacs in Feb.2007 & then Declined to 32 Lacs in April,2007.
This amount Again GREW to 55 Lacs in Jan.2008 & then Declined to 31 Lacs in July 2008.
Thus GAINS of 36 Lacs were WIPED off during 3 Market CRASHES.
If somebody had Implemented the Asset Allocation theory ( Rebalancing after Every 10% Growth in Equities), his Returns Could have been over 200% instead of just 100%.
Although TIMING the Market is IMOSSIBLE
but Profit Booking is NOT CRIME.
PROFIT BOOKING is Absolutely necessary in Long Term Investments also.
Some Fund HOUSES ( Reliance,JM, UTI, Kotak etc.)offer TRIGGER Facility
( Automatic Profit Booking when NAV Appreciates by certain Pre-Determined percentage ).Another Simple Method is Dividend Payout.
Intelligent Investors should learn from Mistakes & IMPROVE the Investment
SKILLS regularly instead of following the AGE OLD Theories ( mostly BORROWED from WEST) of so called Finsancial Advisors.
P.C.Sharma
Tracked by: 3 Boarders
dear ndpsr,
you wrongly directed me instead of ashal.
shakti...
In reply to:
Top 5 MFs to invest in Current Market
Posted by : ndpsr
ASHALJI,
HEARTY CONGRATULATIONS FOR BEING SELECTED AS THE BOARDER OF THE DAY. YOU DESERVE IT.
I AM SURE YOU WILL GET THIS HONOUR MORE AND MORE.
Regards
cheers
sunder (one of your million fans)
Tracked by: 3 Boarders
dear jadhavji,this is not the time to invest in mutual funds,this fund houses will square of their losses with you money //,BUY RNRL,Reliance POWER ,Timex,speciality paper,Tata tele,ACC,Century TEXT,BOMBAY dying ,GODREJ CONSUMER,INDUSTRIES//,buying shares at this market price is best option //,buy more at each fall,and forget for at least 1to2 years//PHK //...
In reply to:
Top 5 MFs to invest in Current Market
Posted by :
jadhav
It seems there are no good A scripts as of now. Better to go for only 2-3 large cap oriented funds and rest in bank FD`s which are giving around 10 percentage return. I agree with PCSPUNE and his view are more likely to get accepted by rest of the boarders.
My choice will be
1 FI Bluchip Fund ( 3 Star VR Rating but more than 10 years of History)
2 Magnum Contra ( 5 Star from VR, From Midcap to Largecap Transformation)
3 Sundaram Select Focus Or Fidelity Equity
4 Reliance Growth or Kotak Opportunity or Sundarma Select Midcap
Give allocation around 25% each and wait for better times for Indian Stock Market.
Tracked by: 0 Boarder
What about Larg Cap. Funds...
In reply to:
Stick to largecap over midcap funds
Posted by : MMB Messenger
In terms of performance, while largecap funds have on an average given about 23% returns over a three-year period, midcap funds have given just about 8%. So, the pick for investment would preferably be largecap funds at this point of time and not midcap funds.
Tracked by: 0 Boarder
In terms of performance, while largecap funds have on an average given about 23% returns over a three-year period, midcap funds have given just about 8%. So, the pick for investment would preferably be largecap funds at this point of time and not midcap funds....
Tracked by: 3 Boarders
I was thinking for words, suited to wish Ashal in Best way, but I was unable to find words, which match to wish Ashal, since he is such a great help to one and all. His contribution to this message board can`t be measured and can`t be described in words.
It`s great that MC recognised him and selected Boarder of the Day.
Many, many congrats to you Ashal.
I wish Best to you in all aspects of life....
In reply to:
Top 5 MFs to invest in Current Market
Posted by : tarangam
My dearest Ashal,
Hearty congratulations for being selected the Boarder of the day. You are doing a wonderful service to the fellow boarders. Please keep it up. Best regards. Tarangam
Tracked by: 3 Boarders
My dearest Ashal,
Hearty congratulations for being selected the Boarder of the day. You are doing a wonderful service to the fellow boarders. Please keep it up. Best regards. Tarangam ...
In reply to:
Top 5 MFs to invest in Current Market
Posted by : wadia
Dear Ashal,
How did I miss this one?
Please accept my belated congrats for being selected boarder of the day.
You are truly doing a wonderful job along with other boarders.
Keep up the good work.
Regards,
Wadia
Tracked by: 0 Boarder
Really A VALUABLE SUGGESTION.........infact greed is the main factor in which a person crosses its limit - Deven Bansal...
In reply to:
Beware! You can lose millions in minutes
Posted by : MMB Messenger
Stock market can be an ideal vehicle towards wealth creation, but the same can be really hazardous if you venture into its treacherous waters without any strategy in place.
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