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MF Investment Help
Tracked by: 1 Boarder
Actually Kotak has come up with a product on similar lines. It is called Kotak ACE Account. How this works is, the money you invest is put in a Fixed Deposit which pays monthly interest and this amount is transferred automatically to the mutual fund of your choice through SIP. ...
In reply to:
Learn to invest in equities without an iota of risk
Posted by :
MMB Messenger
One can invest in equities with the guarantee of not losing capital. In other words, "having your cake and eating it too." Sandeep Shanbhag tells you how. 
Hi Shakti,
Could you please explain in detail the 2nd point?
Let me tell you my scenario, I have invested lumpsum money in Liquid+ funds and set up 1k weekly STP. Now on days of heavy fall, I intend to increase that to 2k/5k depending on situation.
But this is not what you are talking about right?
Thanks,...
In reply to:
beware of sips in bear market
Posted by : sp.palo
Two simple rules to my knowledge in prolonged bear phases to all MF investors:
1. Dont discontinue the SIP in panic or frustration. Rather be sincere in its payment date.
2. Average your units ( for lump sum investors ) in existing funds by repurchasing units in every 5% market dips.
regards
shakti
Tracked by: 1 Boarder
WHat the author seems to have done is created his own \\\\\\\\...
In reply to:
Learn to invest in equities without an iota of risk
Posted by : MMB Messenger
One can invest in equities with the guarantee of not losing capital. In other words, "having your cake and eating it too." Sandeep Shanbhag tells you how.
Tracked by: 1 Boarder
One can invest in equities with the guarantee of not losing capital. In other words, "having your cake and eating it too." Sandeep Shanbhag tells you how....
Tracked by: 0 Boarder
I do not have the the market knowledge.I want to invest for long term in mutual funds should I go for sector spesific MF? /Diversified MF/Balance MF...
Tracked by: 0 Boarder
These are the investors who have no future goals or plans that they have invested their money in MF for. The most probable reason would be to earn some quick money thinking everybody is making money in this market so why not me. We all keep repeating that equity is for long term and SIP is the best way to invest systematicaly and regularly but at the first sign of a down turn, they want to run away and hide.
Dear Scary investors, remember that one buys low and sells high to make money and not the other way around whch is the sure way of loosing money and allowing others to make money at your cost,
Regards,
Wadia ...
In reply to:
INVESTMENT IDEAS !
Posted by :
db8037
u know what. earlier people used to come to this section for advice on which fund to go for? but now people are saying..i want to stop my sip...i want to open a rd account with bank...we have seen that mf are buying exactly the same quantity fii are selling on daily basis. in fact the annual figure since 1 jan 08 is also close...whatever amount fii have sold has been absorbed by mf. which means mf will be able to show us the gains once this panic is over...mf are shielding us otherwise these foreigners would have pulled the market to 8000 or 9000 on sensex already but we are still sitting at 12000 around...we must strengthen mf hands rather running away...if we educated people also start running away from mf. it will indirectly help fii...mf money is india's money...our small investor money...so i suggest to hold the things rather start running...
Tracked by: 0 Boarder
u know what. earlier people used to come to this section for advice on which fund to go for? but now people are saying..i want to stop my sip...i want to open a rd account with bank...we have seen that mf are buying exactly the same quantity fii are selling on daily basis. in fact the annual figure since 1 jan 08 is also close...whatever amount fii have sold has been absorbed by mf. which means mf will be able to show us the gains once this panic is over...mf are shielding us otherwise these foreigners would have pulled the market to 8000 or 9000 on sensex already but we are still sitting at 12000 around...we must strengthen mf hands rather running away...if we educated people also start running away from mf. it will indirectly help fii...mf money is india's money...our small investor money...so i suggest to hold the things rather start running......
In reply to:
INVESTMENT IDEAS !
Posted by : RANJAN
Sorry if it has hurt you. It was a joke . Do not take life seriously.
Laughter is the best medicine even for a first time investor.
Tracked by: 0 Boarder
Dear Mr. Raghavan
There are less number of people asking questions on investment nowadays. This is because less people are investing in equity. Equity investment does not depend on SENSEX level. Just like your investment does not depend upon the NAV of the fund while investing. Equity investment depends upon your asset allocation and your horizon. Once you have made an asset allocation according to your age and risk appetite - stick to it. Keep rebalancing your assets every year. Equity is a part of your long term allocation. Never stop investing in equity whatever the sensex levels. Yes , as you get older - you can allocate less towards equity - need not be NIL at any age. With inflation over 12% - stopping investment in equity is the riskiest thing you can do. In the long run you are going to make more money than if the sensex was 20,000 today. So continue to invest but stick to the basics -
1) SIP always
2) core investment in large cap
3) avoid NFOs, sector funds.
4) keep a watch on the ratings of the fund
Be patient. Success is certain. ...
In reply to:
SIP investment
Posted by : Guest
Hi,
I had subscribed to a SIP investment of Rs.5000 / month (Splitted among 4 MF). It started on June 2008. At this current economy stage shall i continue in this or shall i withdraw and put in some Bank RD. Kindly shed some light on this.
Raghavan
Tracked by: 0 Boarder
Sorry if it has hurt you. It was a joke . Do not take life seriously.
Laughter is the best medicine even for a first time investor. ...
In reply to:
INVESTMENT IDEAS !
Posted by : db8037
ranjan sir,
u r most respected person in this section of mf help and ideas. to be honest, i am hurt by reading ur current posting. u have always recommended to be disciplined with investments in diff times like the one we are going thru. i expected some moral boosting advice. by writing this, u r allowing some people to spread -ve sentiments as 1 of id did try on reply to your posting.
bad bad on your part
Tracked by: 0 Boarder
Dear Guest,
You should Continue 20K monthly SIP in MF provided performance of your Funds is above Average(Declined less than Average Funds).
This is most appropriate Time for Investment.
In case any of your Funds has Declined more than Average, please Discontinue Further SIP & start Fresh SIP in Better Performing Large Cap Oriented Funds like DWS Alpha Equity/HDFC Top 200/ DSPML Top 100/
KOTAK -30,Sundaam Select Focus, Reliance Equity Advantage Fund etc.
You can Expect GOOD Returns after 2-3 years.
P.C.Sharma ...
In reply to:
shoul I continue my SIP in MF ?
Posted by : Guest
I started 20k monthly SIP in Jan ,2006,
I had already lost a lot should I continue SIP or exit as every month market is going down from previous month\\`s level.
Tracked by: 0 Boarder
Dear vvrk,
In INDIAN Context monthly Frequency may be better.
Equity Portfolio of all MF + ULIP can be treated as Single Investment & Switching of ULIPS can be used as Part of Strategy for Rebalancig in case of substantial Rises/Falls to minimise Tax Problems.
P.C.Sharma
...
In reply to:
SIP (or) Timing the Market
Posted by : vvrk
Dear Sharmaji,
The book uses American Stock market data for its comparisions. Since ours is a more volatile market, the VA concepts will work better for us.
Something interesting I found from the book is that, based on US data from 1962 to 1991, the author says VA works best on quarterly frequency. Surprisingly even for dollar cost averaging, quarterly frequency is as good as monthly frequency and both of these are better than daily and weekly frequency. I always thought shorter the frequency, the better. But that was not the case when compared over a period of 30 years based on the US markets.
Thanks,
Raj
Tracked by: 0 Boarder
invest your money to ICICI infra(G)...
In reply to:
new investment
Posted by :
rikku.thakur
i intend to invest rs. 1000/- pm through sip. pls. suggest good ones. preferably those dealing in large caps
Tracked by: 0 Boarder
Dear rikku.thakur, Plz. invest in HDFC Top 200 fund or Birla Sunlife Frontline Eq. fund.
Thanks
Ashal...
In reply to:
new investment
Posted by : rikku.thakur
i intend to invest rs. 1000/- pm through sip. pls. suggest good ones. preferably those dealing in large caps
Tracked by: 0 Boarder
Cabinet to review skill development policy
New Delhi: The final draft of the national skill development policy has been sent to the cabinet for consideration.
The policy is expected to be announced soon after Prime Minister Manmohan Singh returns from his US visit. “We have already circulated a note on Skill Development Policy among the members of the Cabinet,” Sudha Pillai, secretary, ministry of labour and employment, said on the sidelines of a conference in the Capital on Friday.
She said that vocationalization of education and training through ITI would be a part of the skill development policy.
- REUTER......
.........................
With N-deal India hoping for business worth $80 bn
Even as a landmark US-India nuclear accord hangs in limbo in the US Congress, the global gates of nuclear trade with India are now open
...........
Indian nuclear energy officials say they would like to do business with GE and other US firms. But if they can’t, there’s always France and Russia.
Even as a landmark US-India nuclear accord hangs in limbo in the US Congress, the global gates of nuclear trade with India are now open.
Whether or not US companies get the go-ahead to sell nuclear fuel and technology to India, the country’s nuclear officials are confident they will get their uranium.
“If a deal with Congress doesn’t happen, we will have business with other countries. So simple,” said SK Malhotra, a spokesman for India’s Department of Atomic Energy.
India reached nuclear trade agreements with Russia and France in January, though the government has held out on implementing them until a US deal goes forward, said Shreyans Kumar Jain, chairman of India’s state-run Nuclear Power Corp. Ltd., which runs all 17 of the nation’s nuclear reactors.
The agreement before Congress would overturn three decades of US policy by allowing nuclear trade with India, even though India has not signed a global treaty against the spread of nuclear weapons.
The deal enjoys broad support among leaders of both American political parties but, with other priorities on lawmakers’ plates, there’s no certainty it will get the nod before Congress adjourns this month ahead of November elections.
What happens after the nod?
Meeting Thursday in Washington, Indian Prime Minister Manmohan Singh and US President George W Bush expressed hope that Congress will approve the agreement.
Singh was to go on to France, where he was expected to ink India’s nuclear agreement with that country.
American companies worry they could be shut out of the Indian market. General Electric Co. helped build India’s first nuclear reactor in the 1960s, and GE would love to rekindle that relationship.
“It’s a $30 billion-plus market in India. There’s a huge opportunity for a company like GE,” said Kishore Jayaraman, regional head of GE operations in India, Sri Lanka, and Bangladesh. “We have been pushing for it.”
Today, India gets just 3% of its energy about 4,100 megawatts from nuclear power. By 2032 the government plans to quadruple total generating capacity, to 700 gigawatts, with nuclear accounting for 63,000 megawatts.
That adds up to about 40 new nuclear reactors, worth some $80 billion, according to Jain.
A key limiting factor on India’s nuclear expansion has been access to uranium. Despite an aggressive hunt in basins, thrusts, and folds across the country, known domestic deposits will support only 10,000 megawatts of nuclear capacity.
C/F.........
In reply to:
beware of sips in bear market
Posted by : ashalanshu
Dear sp.palo, a very good morning to u too. by mortgage, i think u r asking for Loan against property. If my understanding is right about ur query, my dear friend, not many banks \\`ll provide u the facility under current tight liquidity situation. In fact PNB has already stopped the service last week. Even if u get the one, the amount of loan \\`ll not be more than 50-60% of ur flat value. Plz. do note, this loan \\`ll be a costly loan of 14-18% interest rate, depending upon the bank u r transacting with. The loan value \\`ll also depend upon the pay back capacity of the borrower.
Earlier the banks were offering overdraft facility against the property, but now a days it\\`s very rare to find the one.
As it \\`ll be a loan there \\`ll be a regular EMI payment for servicinf the loan.
About the JM basic fund, it\\`s a sectoral/thematic fund, which outperformed all the indices with a decent margin due to its concentrated call & performance of the underlying sector. But the same thing is hammering its performance heavily since january 2008. In fact most of JM funds r down around 45-55%, due to aggressive calls. The reason may be presence of Sandeep Sabharwal (the old SBI guy), within joining the JM MF, performance of all of EQ. schemes changed upwards drastically but the current market melt down has done its every bit to throw the plans of JM out of the gear.
Most of the Eq. funds of JM currently fall under high risk, high return category. If u do have courage to hold ur head firmly on ur shoulders without bothering about the performance of the JM funds in near future, it MAY reward u handsomely.
& it is a big MAY which later on may converts to HAD NOT.
Thanks
Ashal
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The following is the statement by S.B.Mathur, Secretary General of Life Insurance Council.
Quote
It was mutually decided by all the life insurers that insurance will no longer be bundled with any investment or savings product since, in the long term it flouts guidelines prescribed by IRDA.
Unquote
So are they also planning to ban ULIPs since they are also investments + insurance bundled together??...
In reply to:
Fund houses to scrap insurance cum MF products
Posted by :
kentmss
Insurance providers have decided not to provide group cover any more for mutual funds schemes offering insurance from the 1st of October.
the Insurance Lobby is very strong. They saw that their income is shrinking due to massive shifting of money from Insurance to Mutual Funds offering Free Insurance.
People have realised that ULIPs have high cost, non-flexible, high exit loads, hidden charges and have started shifting to Mutual Funds. The Insurance Players could not stand seeing the big loss staring at them.
Why should you pay 35% commission to Insurance Agent and a paltry 2% to Mutual Fund Agent?.
SEBI has always been favouring Insurance vis a vis Mutual Funds. Mutual Funds cant hire services of an Celebrity while the Insurance Agents can and do this to screw Lakhs of gullible Investors. Shame on IRDA for stopping something which is for the Good for the Investing Public.
Are they not doing a disservice to Investors?. Why is SEBI silent?.
We need to protest this decision by IRDA and ensure a Level playing field for Mutual Funds and Insurance.
If the Mutual Funds should not sell Insurance, well and Good, the Insurance Companies also should not sell ULIPs!!!.
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