MF Investment Help

to invest around 1 lakh and start sip

Posted by : pcspune

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Dear Guest,

Investment in Following Funds may be Considered.

ICICI INFRA.
DWS Investment Opportunity
IDFC Premier Equity Fund
DSPML Balanced Fund

SIP in Following Funds is GOOD Option

Sunderam Select Focus
Reliance Regular Saving Fund ( Equity )
Sundaram Tax Saver Fund


You can also Consider Following Funds

Birla Sunlife Frontline Equity Fund
HDFC growth Fund

P.C.Sharma






...

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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 : pcspune

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Dear Live wire,

Performance of HDFC Growth & Reliance Growth continues to be VERY GOOD & one should consider Investment.

I am not Competant to Give Stock Investment Ideas since it Requires GREAT Patience to REAP the Fruits of GOOD Investments.

One can Consider Reliance QUANT Plus / RSF Equity Fund by SIP.

P.C.Sharma



...

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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 : pcspune

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Dear Ashok n,

I am also Admirer of VROL & take my Investment Decisions on the Basis of DATAS of this Website.

I am also buying Mutual Fund Insight Magazine( Costing Rs.100 Every month )since last 4 years & also Preserving these Isues for future Reference.

I take Gudience from Ratings of VROL but take some decisions contrary to the VROL Ratings.

I Invested in SBI Magnum Tax Gain Scheme in March 2005 when it was Rated 1 Star.I recieved(Maximum)More than 100% Returns after 3 years.

I never Invested in Reliance VISION although 5 Star till few months back.

Smilarly I never Invested in most Hyped Funds like Franklin Bluechip,
DSPML Opportunity etc.

Currently 3 Top Performer Funds were UNRATED till few Months back but I started Investing long Back.

Reliance RSF Equity
ICICI Infra.
IDFC Premier EQuity.

I Expect Following UNRATED Funds to Perform Better in Future based on their Objective & Track Record of Fund House ( Although Fund Managers are not so well known ).

Reliance Quant Plus Fund
ICICI Focussed Equity Fund.

RATINGS of VROL are Generated by SOFTWARE based on 3 years Performance. There happens to be Time Lag of 1-2 years for Upgrading or Downgrading the Ratings of any Particular Fund. Take The Example of SBI Magnum Global Fund. It was the BEST Fund in 2004 & 2005 but 1 Star. Currently it is among WORST Performer ( 1 year Ranking is 159 out of 181) but it is Rated as 4 Star.

I see the Ranking of Fund in 1 / 3 / 5 years Performance & I see the RANKINGS in last 5-7 CALENDER Years ( from VROL Website ) to select the Fund for Investment.

Best Wishes

P.C.Sharma






...

In reply to:

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 : ashport

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Dear Live wire

Both these funds are very good. Rel Growth is evergreen and performance of HDFC Growth has also been very good in recent time. So u can very well stay invested. But do monitor ur portfolio every 6 months.

Regds

Ashport...

In reply to:

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 .

INFLATION : SILENT KILLER

Posted by : RANJAN

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In the long run, the greatest threat that your savings face is inflation and no matter what the short-term volatility of equity, it is the only hedge against inflation. No fixed income instrument ever provides a significant margin above the real inflation rate. There are times (as they are now) when fixed income actually loses you real money. The post-retirement time horizon is actually quite long and you’ll need equity on your side to fight the battle against inflation.
Courtesy : Dhirendra Kumar, Value research...

MF Investment Mistakes

Posted by : vvrk

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Dear Dsvas,
In addition to the balanced funds suggested by Ashport, you might also want to consider the following fund.

1) Franklin India Dynamic PE Ratio FoF

It is a good fund to invest in. But please be aware that you will have to pay long term capital gains taxes at the time of withdrawal after three years....

In reply to:

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

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Don\\`t go for more than 5 - 6 funds. Add Sundaram BNP select focus -regular fund also.

Bye....

In reply to:

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

Demystifying NAV myths

Posted by : Guest

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what do you mean by annualised and absolut return %age. What do you mean by 1 week, 3m, 6m etc?...

A New Commer - Pls Guide

Posted by : ashalanshu

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Dear zapper, Thanks to understand my point. Till date I personally have not read any book for so called ratios & specially for Indian MFs.

Thanks

Ashal...

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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

to invest around 1 lakh and start sip

Posted by : Guest

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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

...

MF Investment Mistakes

Posted by : ashport

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Dear dsvas

Balnced Funds or Hybrid Funds are of two types- 1) Equity oriented Hybrid Funds 2) Debt oriented Hybrid Funds

Eq oriented Hybrid Funds invests a minmum of 65% in Equity ( to get the LTCG Tax exemption) and balance in Debt. However debt oriented Hybrid Funds invest 20-30% in Eq( in one or two cases upto 50% also)and balance in debt but tax treatment of these funds are different and you need to pay LTCG tax on returns.

Considering the age of your daughter I had suggested diversified Eq funds and for 10-11 yrs horizon this will be certainly good. However if you are so much risk averse you can go for following funds:

1) DSPML Balanced Fund
2) HDFC Prudence Fund
3) Magnum Balance Funds

Regarding the other funds u have mentioned only Templeton India equity fund deserves a look in ur portfolio. Fr India Flexicap is an underperformer for last one yr or so. Fidelity India Gr is quite a new fund ( launched in Sep 07) and its performanceis just average till now. UTI Infrastructure is a thematic fund and better to avoid such funds.Magnum Comma is also a thematic fund and better to divert ( after stopping SIP) money in other large cap funds.

Regds

Ashport ...

In reply to:

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.

Which is the best Fund from the Reliance stable?

Posted by : ashport

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Dear aman_engg411

Just go and invest in this fund. Its a very good large cap fund with proven track record.

As far as insurance is concerned, just go through recent mmb posts . You will get all the information.

Regds

Ashport...

In reply to:

Which is the best Fund from the Reliance stable?

Posted by : aman_engg411

thank u sir,

i want 2 invest in birla sunlife frontline equity fund with a time horizon of 3-5 years... via sip route.... 1000 rs per month.......? is it a gud fund 2 invest....??

also it provides insurance... what r its terms and conditions of insurance..... plz give its details of insurances.... like whatt will be the insurance cover and what will be its future benefits......???

FMPs: article in today's TOI

Posted by : techguy1979

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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.
...

I have sips of reliance equity opp,fra

Posted by : Live wire

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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 .
...

In reply to:

I have sips of reliance equity opp,fra

Posted by : pcspune

Dear Live wire,

You may Discontinue SIP in Following Funds & Switch the Existing amount to Better Performing Funds.

Reliance Equity Opportunity
Franklin India Opportunity Fund

You May also Redeem Principal Equity Fund



Following Funds can be Considered for SIP or L.S. Investment.

Reliance Regular Saving Fund Equity
Templeton India Equity Income Fund
DWS Alpha Equity Fund/Investment Opportunity Fund
DSPML Equity / Top 100 Fund


P.C.Sharma

MF Investment Mistakes

Posted by : ashok_n

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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...

In reply to:

MF Investment Mistakes

Posted by : vvrk

Dear Sharmaji,
To be frank, as of now I still do not have a good EXIT strategy. Have not done much thinking on how long should one wait before getting out of a fund.

I do not like to churn my funds too much. I prefer staying invested and giving some time to my investments. I have stopped fresh SIP\\`s but am planning to stay invested in both JM Equity and HDFC Capital Builder for atleast another year before I decide to switch.

Thanks,
Raj