Offline
| Post a Message | Explore Forums | Browse Stock Messages | Hot Discussions | Top rated Messages | Top Boarders | |
|
|
|
MF Investment Help
Tracked by: 0 Boarder
there are three assumptios in the various replies:
i)sips are good for a volatile market. the market in India is not volatile but today it is a downward spiral. if we take nifty closing values on last thursdays of the month the figures from may are 4835,4315,4332,4214,4110. I will be lucky to know of any equity mf which has not shown any negative return during the year.
ii)\\\\...
In reply to:
beware of sips in bear market
Posted by :
kentmss
Dear emptyvessel,
An empty vessel makes more noise!!
Investment in mutual funds is never about timing. If timing the market was as easy, everyone would have become an expert. Bearish markets like we are witnessing now, are the best times to invest and earn compounding effect on your investment. As Bobby said, you need to consider inflation and tax implication whilst investing in RDs.
I would rather invest in Debt Funds effecting a STP into an Equity Funds to avail maximum benefits of the NAV Volatility.
Regards,
Srikanth Shankar Matrubai 
Tracked by: 0 Boarder
Sorry. I do not buy online. So I will not be able to advise you. ...
In reply to:
Best Portal for Online Invests. in Shares
Posted by :
Guest
Hi Renjan Sir and other respected boarders. I\\`ve been investing via sip and lumpsum during big market crashes in Mutual Funds since a year - 1)Sundaram SelectFocus, 2)DSP top100, 3)HDFC 200, 4)Rel.Growth, 5)HDFC Growth, 6)DSP Tiger, 7)SBI Mag Contra - but now I\\`m planning to try my hands on Online Shares as well. Kindly advise which is the best portal for online investment? ICICI/Rel Money/Karvy Online/Religare /Sharekhan or any other.Kindly advise.
Tracked by: 0 Boarder
Dear Ashpot, I have the following query and need your opinion on the same:
I have been invested in the following funds via sips:
1. Reliance Vision(since 2 years, sip od Rs 2000)
2. Reliance Growth(since 1 year, sip od Rs 2000)
3. DSP ML TIGER (since 1 year, sip 2000)
4. SBI Magnum Contra(since 1 year, sip 2000)
5. Franklin India Bluechip( since 2 years, sip rs 2000)
I was not happy with the performance of Rel Vision and Franklin bluechip (esp vision)and so have stopped the respective sips form next month and have made following addations to the foilo:
1. Start SIP Rs 3000 in DSP ML Balanced fund
2. Renew SIP in Magnu m contra for Rs 3000pm
3. Renew Sip in Reliance grwoth sip rs 3000pm
4. Start SIP in DSP ML top 200 rs 2000pm
i am wanting to ad another large cap fund in the folio as i have exited 2 and want to keep a large cap bias to my folio for a lim ited downside: I am confused between Sundaram select focus,birla frontline equity, and kotak 30. I find sundaram select focus to be a little more agressive one. Kindly Give in ur views abt the fund to opt for, or should i select a diversified fund like kotak oppotunity/Hdfc top 200/ kotak opportunity. This will be for an sip of Rs 2000 for 3 years
Best regards
ankit...
In reply to:
mutual funds investment
Posted by : ashport
Dear Guest
if you are a regular and reading our posts regularly your question is already answered here. However for your convenience once again i am repeating. Presently Sundaram Tax saver and DWS Tax saving ( Withadded free insurance upto 5 x investment if u are below 50)are better option fot ELSS.
Once u exhaust ur sec 80C limit it is better to go for large cap equity Divesified funds.
Regds
ashport
Tracked by: 1 Boarder
Dear Guest,
If downside risk is limited from here on, (which I dont agree because no one can really predict whats going to happen next.) The same goes for even the reputed funds with good track record. Investing in NFOs is like betting on an unknown horse. It may just win the race for you by sheer luck.
Regards,
Wadia...
In reply to:
Stay away from new funds: Value Researchonline
Posted by : Guest
Market is hugely undervalued or say the valuations are attractive. & this time if somebody comes with new fund offer then I think they should be bought as the downside risk has lowered to great extent from hereon. & market would have nowhere to go but up & again this is due to oversold market this year since Jan. Offcorse one should buy reputed funds.
Tracked by: 1 Boarder
Dear Guest,
You still have over six months to go for these bonds to mature. However once matured you can invest all at once (not necessarily in UTI) in any 5 or 4 star liquid fund and initiate a Systematic Transfer Plan (STP) in to diversified equity fund of the same fund house having a good track record and again 5* or 4* as per your risk taking ability. Please note that investment in to equity has to be for long term preferably for 3 to 5 years, longer the better. STP or SIP works better when planned for longer durations.
Regards,
Wadia ...
In reply to:
Stay away from new funds: Value Researchonline
Posted by : Guest
I have 5800 UTI 6.60% bonds maturing on 31.3.2009. I am getting offer to convert these bonds in other UTI mutual fund schemes.Should I go for it. If yes, Please suggest the schemes and the mode i.e.lump sump or STP.
Tracked by: 0 Boarder
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: 1 Boarder
I have 5800 UTI 6.60% bonds maturing on 31.3.2009. I am getting offer to convert these bonds in other UTI mutual fund schemes.Should I go for it. If yes, Please suggest the schemes and the mode i.e.lump sump or STP....
In reply to:
Stay away from new funds: Value Researchonline
Posted by : MMB Messenger
At a time when almost all equity funds are giving disappointing returns, Dhirendra Kumar, CEO of Value Researchonline tells what should an Mutual Fund investor do and gives his take on various funds. According to him, an invetsor should stay away from new funds till they actually mature.
Tracked by: 0 Boarder
I have prsently invested Rs.50000.00 in Kotak MNC Fund - Dividend Plan , Rs.25000.00 in JP Morgan Smaller Companies Fund - Dividend Plan & Rs.25000.00 in Kotak Opportunites Fund - Dividend Plan . My duration for investment is 5 to 7 years from now. Please reply
Regards
Shweta Kedia...
Tracked by: 0 Boarder
Hi Renjan Sir and other respected boarders. I\\`ve been investing via sip and lumpsum during big market crashes in Mutual Funds since a year - 1)Sundaram SelectFocus, 2)DSP top100, 3)HDFC 200, 4)Rel.Growth, 5)HDFC Growth, 6)DSP Tiger, 7)SBI Mag Contra - but now I\\`m planning to try my hands on Online Shares as well. Kindly advise which is the best portal for online investment? ICICI/Rel Money/Karvy Online/Religare /Sharekhan or any other.Kindly advise....
Tracked by: 1 Boarder
Its very easy to speak about funds by looking at historical figures. However one should look at other aspects like current stock holding in the mutual fund, its prospects and fund manager\\\\`s strategy in picking stocks.Valueresearch should take stand rather than just looking at historical figures hich I think even computers can do today....
In reply to:
Stay away from new funds: Value Researchonline
Posted by : MMB Messenger
At a time when almost all equity funds are giving disappointing returns, Dhirendra Kumar, CEO of Value Researchonline tells what should an Mutual Fund investor do and gives his take on various funds. According to him, an invetsor should stay away from new funds till they actually mature.
Tracked by: 1 Boarder
Market is hugely undervalued or say the valuations are attractive. & this time if somebody comes with new fund offer then I think they should be bought as the downside risk has lowered to great extent from hereon. & market would have nowhere to go but up & again this is due to oversold market this year since Jan. Offcorse one should buy reputed funds....
In reply to:
Stay away from new funds: Value Researchonline
Posted by : MMB Messenger
At a time when almost all equity funds are giving disappointing returns, Dhirendra Kumar, CEO of Value Researchonline tells what should an Mutual Fund investor do and gives his take on various funds. According to him, an invetsor should stay away from new funds till they actually mature.
Tracked by: 1 Boarder
At a time when almost all equity funds are giving disappointing returns, Dhirendra Kumar, CEO of Value Researchonline tells what should an Mutual Fund investor do and gives his take on various funds. According to him, an invetsor should stay away from new funds till they actually mature....
Tracked by: 0 Boarder
it is not a big thing for Reliance. It is only a huge gimmick. Remember, they have a sip of amount as low as Rs.100 per month. So, the one million mark also includes this pittance of a sip. If you exclude that, then the story would be entirely different!!@!@!
...
In reply to:
Reliance Mutual Fund SIPs cross 1 million mark
Posted by : MMB Messenger
Reliance Mutual Fund has crossed the one-million mark in sales of its systematic investment plans (SIPs).
Tracked by: 0 Boarder
By the way, this is what the learned Dhirendra Kumar of Value research feels about the fund :::
Anybody who invested in January can look with a hindsight that it was a bad timing for any investment made in equity whether it be a good fund or a bad fund. The good thing is that DWS Investment Opportunities is a good fund, it has fallen as much as most other funds, a little less in fact. If the investor invested at the peak, he/she might be very disappointed. So, it is looking as more disappointing but I will recommend this fund as an investment. The investor should be guided more by needs. If one has to invest more money, one can continue investing more money. If one needs money in four-six months, one should pullout this money because I don’t see a revival of the market in six-months, one-year or one and a half year.
One should look for the history. If you look at DWS Investment Opportunities on most logical yardsticks, this fund will qualify. This fund has a good history and is evenly spread. It is a diversified fund and has sustained performance on a risk adjusted basis. It has given decent performance, decent return. So on those yardsticks, it still qualifies as a good fund.
...
In reply to:
DWS Opp Fund
Posted by : Guest
Dear respected Ranjan Sir and other experts, Kindly advise how can i start investing online in DWS Opp Fund. I already have online Investment directly of Reliance, HDFC, Birla and Online Investment in sundaram, DSPML thru\\` my online HDFC A/C. Pls. advise. If online Investment is not possible, then how can invest directly in DWS to avoid the entry load.
Tracked by: 0 Boarder
Do not work for money but make your money work for you - Through Mutual Funds
September 05, 2005
The need for long term financial planning is one of the most piquant requirements of modern day living. While all of us spend hours, days, weeks, months and even years looking at the smaller things in life we invariably miss the broader picture. Amidst the hurly burly of business and jobs we remain involved with issues like paying off electricity and telephone bills, making salary payments, recovering money from our debtors, paying off our creditors, negotiating lower interest bank finance for car purchases and so on and so forth. Our financial planning never extends beyond 2 to 3 months .All along we remain in a situation of self-deceit that maybe tomorrow would be better then today.
Life carries along and while we manage to increase business turnover our net worth remains inconsistent and unpredictable. With rising inflation and increasing consumption expenditure our readiness to invest in the stock market is natural. Tips, news and khabar are the modus operandi. Everyone seems to be the first cousin of the operators and the final result of all such unsuccessful attempts to get into the stock market is too painful to be written. We all make money in stocks but just for brief moments of time. If we make 50% for two years in a row and lose 50% in the third year we perform poorly then money market/debt funds. The number of people who have consistently made money over a longer period of time is abysmally low.
As time passes by children's education, marriages, medical bills are common areas that require huge amounts of money.
All through out life we keep working for money never thinking for once that money can also be made to work for us. While for people in jobs there is Provident fund, Gratuity and Pension the business class has really nothing to fall back upon. Also the amount of money one saves through general savings schemes do not give more then 7 to 8% annualized return. Our wealth is consistently eroded by an inflation of 5 to 6%. Where do we save then?
The benefits of starting early in the savings game is very important. The later you start the harder you would have to struggle.
One of the better ways to accumulate wealth over a period of time is through the mutual funds route. These funds are managed by expert fund managers having in-depth knowledge and experience about markets. All along we have tried investing directly and the results have been quite discouraging. As a result of this stock investing is looked upon gambling. Due to paucity of time we have really been part time investors. But investing is really a full time job (24x7x52). If you can go to a dentist for your teeth, cobbler for your shoes, barber for your hair then why can't you go to an expert for your wealth.
Mutual funds in India have shown a consistent annualized growth of above 20% for the past 5 to 10 years. Some schemes like Reliance Growth fund have grown in excess of 30% compounded every year over the last 10 years. (See chart below). This means that an investment of Rs 10 lacs had the potential to grow to about 1.60 crores in 10 years. I doubt if we as small part time retail investors have been able to make that kind of money.
courtesy : equitydeskdotcom
...
More from Personal Finance
Poll
Udayan's Market Outlook
 |
Difficult to predict market direction | |
| ||
| Udayan Mukherjee, Stocks Editor, TV18 | ||
 |
Popular Boarders 7days| 276 | |
| 180 | |
| 112 | |
| 111 | |
| 105 | |
Top Tracked 7days| 704 | |
| 694 | |
| 459 | |
| 434 | |
| 351 | |
Prolific Boarders 7days| 464 | |
| 330 | |
| 323 | |
| 250 | |