MF Investment Help

Kindly suggest changes in my portfolio..

Posted by : vvrk

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Sharmaji,
I am currently doing some research on ULIPS. Can you please let me know the following information.

1) Which ULIPS have minimum charges and are good for investment.
2) Which ULIPS have the least mortality charges
3) Which ULIPS performance has been good.

You can either post here or send me a mail to info at costaverager dot com

Thank You,
Raj...

In reply to:

Kindly suggest changes in my portfolio..

Posted by : pcspune

Dear ank1977,

I fully Agree with you that GOOD ( NOT ALL ) ULIPS are BEST Option for Long Term Investor,provided taken after fully understanding the Features & Expences.

In Single Premium ULIPS Allocation Charges are as low as 1.5% and Max.upto 6 % .

I think ANTI ULIPS Comments may be due to Following Reasons:

Ignorance ( Lack of Knowledge ) of Financial Advisors.
Vested Interests of AMC / MF Distributors.
Due to Mis selling of COSTLY ULIPS by some GREEDY Insurance Agents.

One Should pay Minimum Premium to get Maximum Insurance Cover in ULIPS.

DONT Take ULIP for Investment only( until you want to EXPLOIT the FREE 52 / 24 Switches Facility to Maximise your Returns / Protect
your Capital).

GOOD / Cheap ULIPS are the Best Option of INSURANCE.

Bajaj Allianz UNIT Gain GOLD & IDBI Wealthssurance Offer Insurance Cover upto 100 Times of Annual Premium

METLIFE Smart PLUS / Premier Offers Insurance Cover upto 90 Times of Annual Premium.


P.C.Sharma

New format of Msgboard - IRRITATING

Posted by : m_i_khilji

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And dear asho_n, if you get any updation from moderator or anyone regarding this, please inform me - m.i.khilji at gmail dot com....

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New format of Msgboard - IRRITATING

Posted by : m_i_khilji

I strongly agree with ashok_n, and will like to see the old Message Board Format back.
This format is irritating.

New format of Msgboard - IRRITATING

Posted by : m_i_khilji

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I strongly agree with ashok_n, and will like to see the old Message Board Format back.
This format is irritating....

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New format of Msgboard - IRRITATING

Posted by : MMB Moderator

Hi ashok_n

You can reply here itself... and send the screen shot to mmbmoderator@moneycontroldotcom

-MMB Moderator

Fund Help

Posted by : sp.palo

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Thanks Mr.P.C.Sharma for your message. I will consider your options. thanks again...

In reply to:

Fund Help

Posted by : pcspune

Dear sp.palo,

Reliance RSF Equity is Midcap Oriented Fund & DWS Investment Opportunity Fund is Flexicap Fund with over 50% in Large Cap. Both Funds are Aggressively Managed Fund & GOOD Choice for 3-5 Year Time Horizon. You may Consider to Invest in these Fund by SIP/STP if your Time Horizon is Flexible(beyond 2 years Also) & you are Aggressive Investor.

If you want to minimse the Chances of LOSSES, Following Funds are Better Option.

DSPML Equity / Top 100 Equity / Balance Fund
HDFC Growth / Top 200 Fund
Templeton Equity Income Fund

P.C.Sharma

Fund Help

Posted by : sp.palo

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thanks Mr.Ranjan for your reply....

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Fund Help

Posted by : RANJAN

In 2 years - you might still make good money. But ideally you should have a minimum horizon of say 3-5 years. In the short term the risk of losing is more. If you are prepared for the risk - you can go ahead. But do not blame the market if you are not able to reach your goal.

Fund Help

Posted by : RANJAN

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In 2 years - you might still make good money. But ideally you should have a minimum horizon of say 3-5 years. In the short term the risk of losing is more. If you are prepared for the risk - you can go ahead. But do not blame the market if you are not able to reach your goal. ...

In reply to:

Fund Help

Posted by : sp.palo

Thanks ashport. I thought after 2 years the markets will definitely be higher then what it is now. What if i invest in MFs at 13000 levels ?

Kindly suggest changes in my portfolio..

Posted by : pcspune

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Dear ank1977,

I fully Agree with you that GOOD ( NOT ALL ) ULIPS are BEST Option for Long Term Investor,provided taken after fully understanding the Features & Expences.

In Single Premium ULIPS Allocation Charges are as low as 1.5% and Max.upto 6 % .

I think ANTI ULIPS Comments may be due to Following Reasons:

Ignorance ( Lack of Knowledge ) of Financial Advisors.
Vested Interests of AMC / MF Distributors.
Due to Mis selling of COSTLY ULIPS by some GREEDY Insurance Agents.

One Should pay Minimum Premium to get Maximum Insurance Cover in ULIPS.

DONT Take ULIP for Investment only( until you want to EXPLOIT the FREE 52 / 24 Switches Facility to Maximise your Returns / Protect
your Capital).

GOOD / Cheap ULIPS are the Best Option of INSURANCE.

Bajaj Allianz UNIT Gain GOLD & IDBI Wealthssurance Offer Insurance Cover upto 100 Times of Annual Premium

METLIFE Smart PLUS / Premier Offers Insurance Cover upto 90 Times of Annual Premium.


P.C.Sharma
...

In reply to:

Kindly suggest changes in my portfolio..

Posted by : ank1977

It is a fantastic solution given by u. But I would also like to mention that ULIP is not bad if u take horizon of 7+ years. Bcoz what ULIP has unique feature is if u r young between 25 to 35, u can have a potential a long way to invest regularly some amount in ULIP. ULIP gives u Insurance, Investment, Tax Benefit, Pension, Accident benefit, Waiver of premium in case of permanent disability etc. In my view there is nothing wrong in ULIP, if u have clear cut idea about that.

Stay away from new funds: Value Researchonline

Posted by : pcspune

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Dear Guest,

Performance of ICICI Indo Asia Fund is better than Average.It has lost lesser than Other Funds. There is no harm in Continuing in this Fund for 1-2 Years.

Review the Performance after 1 year.

P.C.Sharma

...

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Stay away from new funds: Value Researchonline

Posted by : Guest

Even I made the mistake of putting lumpsum in ICICI Pru Indo Asia equity NFO, which is badly hit now.
Any chances of its revival? What Should I do - stay or suffer losses and come out?

Fund Help

Posted by : pcspune

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Dear sp.palo,

Reliance RSF Equity is Midcap Oriented Fund & DWS Investment Opportunity Fund is Flexicap Fund with over 50% in Large Cap. Both Funds are Aggressively Managed Fund & GOOD Choice for 3-5 Year Time Horizon. You may Consider to Invest in these Fund by SIP/STP if your Time Horizon is Flexible(beyond 2 years Also) & you are Aggressive Investor.

If you want to minimse the Chances of LOSSES, Following Funds are Better Option.

DSPML Equity / Top 100 Equity / Balance Fund
HDFC Growth / Top 200 Fund
Templeton Equity Income Fund

P.C.Sharma








...

In reply to:

Fund Help

Posted by : sp.palo

Anybody please let me know how are Reliance RSF and DWS Inv Soppotunity Funds? I want to invest for a 2 year horizon. Or any other better funds than these.

Mutual Funds

Posted by : ashalanshu

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Dear rengnara000, As u said, Most of ur funds r running below purchase price, it clearly means that u had invested in last 10-12 months only & most probably around the peak of market.

My dear friend, if market itself is down by almost 35%, & a mjority of stocks r down even more, How u can expect to have positive returns.

From a competent fund manager, The only thing in current downfall that's possible, the fund should have less downfall than the over all market. A lot of funds have done it.

Now plz. answer me r these fund managers doing bad jobs?

I'm not posting the data again, as posted by dear PCSpune ji, to support my claim.

Thanks

Ashal...

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Mutual Funds

Posted by : rengnara000

I was always under the impression the Invest Managers are highly paid, highly resourceful and manage our investments in mutual funds very well. I am concerned to see the pathetic performance of ALL mutual funds. Most of them are now below the purchase price. It has never happened in the past. Are the investment managers not doing the job properly, or are they also playng to the tunes of the \\\\\\`powers that be\\\\\\`.

Renganathan Narayanan

What\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\`s Kotak Indo-World Infra Fund all about?

Posted by : gv

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Hi,
Hope you have not invested very large amount
It is ok to invest in a new fund on a raiing market
But as a regular investor better to go for fund with track record
Most agents dont give right advice
They even compare Mf with Stocks to earn income
Advice you to book profit and invest in new scheme,just earn
Better to visit Money control and see the ratings of funds and decide...

In reply to:

What\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\`s Kotak Indo-World Infra Fund all about?

Posted by : bckak

one of the worst performing fund. I have already lost 40% with in 6 months. I feel absolutely cheated.

What\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\`s Kotak Indo-World Infra Fund all about?

Posted by : ashalanshu

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Dear bckak, Do u purchased a TV or a Refrigerator? In all probability u had enquired a lot before actual buying. Which brand, which model, what r the features, the price, the after sale service, the warranty.......

After considering a lot of above factors, u finally zeroed on a TV or Ref. & purchased it.

Now comes ur MF purchasing, Had u enquired that much as in the case of TV, u were not cursing urself or feeling cheated.

I do agree, the agent mis-sold the MF to u, but at the same time u r also equally responsible for the mess where u r now.

It is an NFO, & majority of boarders here @ MMB r against investing in NFOs.

Please accept this loss as ur learning experience for ur future investment.

thanks

Ashal ...

In reply to:

What\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\`s Kotak Indo-World Infra Fund all about?

Posted by : bckak

one of the worst performing fund. I have already lost 40% with in 6 months. I feel absolutely cheated.

Please Advice

Posted by : ashalanshu

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Dear Bhavani27, Thanks for sharing the info. I already had visited 2 centers in past (some 8-12 months back), till date no student has passed out as CFP.

Anyway thanks once again for taking pain to intimate me.

thanks

Ashal...

In reply to:

Please Advice

Posted by : Bhavani27

Thanks for your prompt response,Ashal. You are indeed right.

We can only say that if you need to have a coronary bypass get it done only at a hospital where you have an experienced cardio-vasc surgeon. But if the hosptals in your town don\\`t have such a specialist the only option is not to undergo the surgery; in spite of all the post operation advantages.

Having said that I am sure you might have done it already, but just in case you haven\\`t. I believe that Ahmedabad has quite a few FPSB approved training centers for CFPs. One opp Atlanta Bldg in Gulbai Tekra, another Opp Lions Hall in Mithakali Six Road, a third one opp Swaminarayan Temple, Vastrapur, and a fourth at Aniket Complex C G Road, Navrangpura. It might help if you can get some data on their past students, and if any of them practise in Ahmedabad. You could perhaps pose as a prospective new student trying to find the future carer prospects from past students in Ahmedaabad and thereabouts.

SARVAM KRISHNAARPANAM

MF Portfolio

Posted by : RANJAN

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If your horizon is 5-7 years for buying a house- go for ELSS in mutual funds instead of PPF. You can start a PPF a/c but invest Rs 5000 every year in it.

With an income of 10 lakhs - why do you want to wait for 5- 7 years for a house. A housing loan gives you the best tax benefit. Interest upto 1.5 lakhs is fully deductible from your gross income. You save over 30% tax. Principal repayment gives you 80C benefit upto 1 lakh. Go for a housing loan.

Please take enough pure term cover (atleast equal to your housing loan).

Have a mediclaim policy and enjoy 80D benefit upto Rs 15000.

Avoid bank deposits . You will be paying 30% tax on the interest earned. Instead invest in arbitrage fund and get around 8% tax free income.

Avoid sector funds. Go for the following funds -
1) HDFC TOP 200
2) Sundaram Select Focus
3) HSBC Equity
4) Reliance Growth
5) DWS Investment opp fund
6) DSPML TOP 100

For ELSS - go for Sundaram Tax saver & DWS Tax saver.

Invest via SIP only. Look for value research rated funds.

...

In reply to:

MF Portfolio

Posted by : Guest

I\\\\`m 26 Yrs Old with Annual earnings of approx 10L.

My Investment Horizon is 5-7 Years with an objective of buying a house for around 50L.

I plan to push up my monthly investments towrads MF\\\\`s to 12-15k/Mo. Please suggest good funds to invest in. I\\\\`m more inclined towards building a portfolio with 75-80% equity Diversified funds.

Current portfolio

Reliance Banking Fund - SIP - 1000
Reliance Div Power Sector - SIP - 2000
DWS Inv Opp Fund - SIP - 1000
ICICI Pru Infra - SIP - 1000
Sundaram Select Midcap - SIP - 1000
HSBC Equity Fund - SIP - 1000
Total - 7000/Mo

RD - 3000/Mo

PPF - 50000 Annually
FD - 40000 Annually

Please suggest and/or comment.

Thanks

Fund Help

Posted by : sp.palo

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Thanks ashport. I thought after 2 years the markets will definitely be higher then what it is now. What if i invest in MFs at 13000 levels ?...

In reply to:

Fund Help

Posted by : ashport

Dear sp.palo

Albeit Rel RSF Eq and DWS Inv Opp are very good funds with good track record and both are 5 star rated fund from VOL, I won`t advise u to invest in these funds for such a short peroid. If ur investment horizon is 2 yrs only, dont go for Eq MFs . Better invest in Bank FDs or FMPs which are more tax efficient.

Regds

Ashport