Dear uday derve,

For Wealth Creation SIP / STP in GOOD EQUITY Mutual Funds is BEST Option.

You can Get Free Life Insurance by Investing in Following Funds by SIP

1000 P.M. in DWS Tax Saving Fund for over 100 Months will offer you Free Life Insurance of Rs. 5 Lacs

4000 P.M. in any EQUITY/ ELSS Fund of Birla Sunlife ( for Minimum 36 months or more will offer you free Life Insurance upto 4 Lacs.

Reliance & KOTAK Also offer Free Life Insurance by SIP.

If you want more Life Insurance cover take ULIP. Single Premium ULIPS Charge LOW Allocation Charges ( 1.5 - 6 % of PREMIUM ).

You can APPLY HIGH Insurance Cover upto 25 Times of Sigle Premium in Single Premium ULIPS of TATA & IDBI.

Always take MAX. COVER with Min. Premium.Please note that Cost of Insurance is Cheaper in ULIPS than Term Insurance.

DONT Invest in ULIPS if you DONT need Insurance Cover.

P.C.Sharma






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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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Dear James,

If your Age is below 45 - 50 years, Investment in Following Funds is GOOD Option

DWS Tax Saving Fund Offers Life Insurance Equal to 5 Times of Invested Amount ( Maximum Rs.5 Lacs ) till the Age of 60 years.


ALL Equity / Tax Saving Funds of Birla Fund HOUSE Offers Life Insurance Equal to 100 Times of Monthly SIP( Maximum Rs.20 Lacs ) till the Age of 55 years.

BIRLA Sunlife Frontline Equity & Birla Tax Relief'96 are GOOD Options.

Reliance & KOTAK also offer Insurance for Max. Term of 15-20 years
( Cover Equal to unpaid Installments of SIP in Case of KOTAK & Double in case of Reliance).

P.C.Sharma



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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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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






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Dear Vj29,

You may start Investing in Following Mutual Funds by SIP & get FREE LIFE INSURANCE.

1. DWS Tax Saving Fund Rs. 1000 P.M. or more
( Free Life Insurance Cover = 5 Times of Invested Amount,Max.5 Lacs)
Insurance cover upto Age of 60 years

2. Birla Sunlife Frontline Equity Fund Rs.1000 P.M.or more
( Free Life Insurance Cover = 100 Times of Monthly SIPAmount,
Max.20 Lacs,Insurance cover upto Age of 55 years )

3. Kotak Opportunity Fund Rs.1000 P.M.or more
( Free Life Insurance Cover = Remaining amount of SIP in case of Death of Parent,Max.1 Crore)Insurance cover for Max.20 years or upto 50 years Age.

4. Reliance Growth Fund Rs.1000 P.M.or more
( Free Life Insurance Cover = DOUBLE of Remaining amount of SIP in case of Death of Parent,Max.10 Lacs )Insurance cover for 15 years or upto 55 years Age.

If you start Investing Rs.4000 P.M. Today and Average Retuns are
15% per year, Value of your Funds will be over Rs. 39 Lacs after 18 Years & over 22 Lacs after 22 Years.

P.C.Sharma.
















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Dear vvrk,

I treat Redeemption of POOR Performing MF as Profit Booking. If I am not Sure that Market may not Go Down, I Invest Exactly Same Amount
( In Round Figure within 1-2% + or - ) in Better Performing MF on same Day so as to reap Benifit of Long Term Investment.

Performance of Following Equity Funds Managed by not well Known Fund Managers is Very Good.

Reliance RSF Fund ( Equity)
IDFC Premier Equity Fund
DWS Investment Opportunity Fund & Alpha Equity Fund
DSPML Equity Fund
HDFC Growth Fund
KOTAK Opportunity & K-30 Fund
TATA Infra. Fund

P.C.Sharma








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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 . ...

Dear Sharmaji, I will buy the magazine suggested by you. I have always believed in asset allocation strategies. This is one reason I have actually started investing in ULIPS. Just yesterday I have taken HDFC Endowment Suvidha plan. In mutual funds, the underlying portfolio of stocks keep changing. So the term -do not marry stocks- will not apply to mutual funds. That term is more specific to shares. I was holding on to the fund since it is from the same SBI Magnum team. I will consider your suggestion regarding JM Contra. Thanks, Raj...

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...

I kinda guessed the favourite fund for most would be Reliance Growth....

dear p c sharma thank u very much for ur advice.............. can i prefer kotak smart advantage in which by paying premium of 10k every year i can get cover of 25 to 35 lakhs and its for 30 yrs....... in the case of khs min insurance is 15k and max term is 25 yrs.... which can be more helpful........

A question in regards to Mutual Fund schemes having insurance tied with them such as Birla Centry SIP, Kotak Smart Kid and Reliance etc. If I submit the application for these schemes directly to the AMC office will there be no entry load like normal equity mutual funds or will there be any entry load as these are special schemes? Appreciate quick response....

Yes pcspune, its best not to compare SIPs with nonSIPs.... but folks should be very rich not to want to touch the money in MFs isnt it? If i have to go seeking a loan coz my money is in MFs isnt it really a sad state of affairs then... i dont keep money for longterm anywhere coz kids want only branded clothes, only huge cars, iphone and so on etc etc.. my wallet is always empty....