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MF Investment Help
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This was expected. IRDA is wise. They know that if the Mutual Funds are forced to abandon their Free Life Insurance Cover Combo, then the pressure will start building on the Insurance Companies to either Stop ULIPs completely or Bring down the commission Charges from the Sky High 35% (average) to the paltry 2.25% Commission being charged right now by Mutual Funds.
Regards,
Srikanth Shankar Matrubai.
...
In reply to:
Insurance on MF products to continue for now: Sebi
Posted by :
MMB Messenger
The Securities and Exchange Board of India, or Sebi, said insurance cover for mutual fund products will continue with insurance regulator, IRDA putting on hold its decision to discontinue group cover on mutual fund products, reports CNBC-TV18. 
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Dear Raj,
If they ban ULIPs, they will be losing more than 90% of their Income, that is the reason they are after the Mutual funds.
But, thankfully, IRDA has allowed the Mutual Funds to continue offering Insurance.
regards,
Srikanth Shankar Matrubai.
...
In reply to:
Fund houses to scrap insurance cum MF products
Posted by : vvrk
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??
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I recived a small Publication from SBI MUTUAL Funds last month.It is an EYE OPENER for Investors.
It contains SIP & SWP Returns of SBI CONTRA & other 2 Funds during 3 years.
If somebody Invested Rs.20 Lacs in SBI CONTRA Fund on 1st July,2005(3 years Ago), & Opted for SWP of Rs.25000 Per month(Recieved 9 Lacs in 3 Years),the Fund Value was over Rs. 31 Lacs on
1st July 2008(after 3 Years). It means his returns are 9 lacs + 11 Lacs = 20 Lacs.
Detail study shows that 20,00,000-25000
per month grew to 36 LACS in May,2006 &
then Declined to 29 LACS in June 2008.
FV again GREW to 37 Lacs in Feb.2007 & then Declined to 32 Lacs in April,2007.
This amount Again GREW to 55 Lacs in Jan.2008 & then Declined to 31 Lacs in July 2008.
Thus GAINS of 36 Lacs were WIPED off during 3 Market CRASHES.
If somebody had Implemented the Asset Allocation theory ( Rebalancing after Every 10% Growth in Equities), his Returns Could have been over 200% instead of just 100%.
Although TIMING the Market is IMOSSIBLE
but Profit Booking is NOT CRIME.
PROFIT BOOKING is Absolutely necessary in Long Term Investments also.
Some Fund HOUSES ( Reliance,JM, UTI, Kotak etc.)offer TRIGGER Facility
( Automatic Profit Booking when NAV Appreciates by certain Pre-Determined percentage ).Another Simple Method is Dividend Payout.
Intelligent Investors should learn from Mistakes & IMPROVE the Investment
SKILLS regularly instead of following the AGE OLD Theories ( mostly BORROWED from WEST) of so called Finsancial Advisors.
P.C.Sharma
...
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Dear boysi,
This is most Appropriate Time for Investment in Equity Funds if your Time Horizon is 2-3 YEARS or MORE.
You may Consider Investment in any one or more Funds by SIP / STP as mentioned below:
DSPML Top 100 Equity Fund
HDFC Growth /Top 100 Fund
Franklin PRIMA PLUS
IDFC Imperial Equity Fund
If your are afraid of short Term Volatality, DSPML Balance Fund / UTI MAHILA UNIT Scheme is GOOD Options.
No need to Invest in DEBT Funds.
P.C.Sharma
...
In reply to:
best fund to invest
Posted by : boysi
I am planning to invest about Rs.25000 over next 5 month i.e. 5000 per month. I am confused whether I should invest in FMP or debt fund. I can stay invested for period of over 2 to 3 yrs. Please suggest me some good scheme where I can invest my money. How much return can I expect in this fund.
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I want to invest in mutual fund Rs 500 per month SIP for 25 years which FUND I can bet for....
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I will be please if Mr. pcspune reply to me query. I have great respect for you. I have learned lot of things from your messages. Thanks in advance...
In reply to:
best fund to invest
Posted by : boysi
I am planning to invest about Rs.25000 over next 5 month i.e. 5000 per month. I am confused whether I should invest in FMP or debt fund. I can stay invested for period of over 2 to 3 yrs. Please suggest me some good scheme where I can invest my money. How much return can I expect in this fund.
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I am planning to invest about Rs.25000 over next 5 month i.e. 5000 per month. I am confused whether I should invest in FMP or debt fund. I can stay invested for period of over 2 to 3 yrs. Please suggest me some good scheme where I can invest my money. How much return can I expect in this fund. ...
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Dear nandarohit, investment should be goal/aim specific not for the market level. 2days Toppers may bite dust very next day. So u should invest first for ur goals & invest in funds which r regular in their performance & r part of Top quartile (Top 25% funds).
the list of such Top performing fund is already posted by fellow boarders. Plz check the same that it matches to ur risk appetite & goals & invest as per ur comfort level.
Plz. don`t invest in a lump sum, if u do have a lump sum amount plz. invest it first in Liq. + fund & then use weekly STP route to invest in ur target Eq. funds.
Thanks
Ashal ...
In reply to:
Top 5 MFs to invest in Current Market
Posted by :
nandarohit
Hi PCS Pune ji/ Other investment Gurus,
could you please help me in selecting Top 5 MFs to invest in Current Market?
Thanks in Advance.
Regards
Rohit Nanda
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Dear ankzvohra782, If u can manage plz. opt for multiple sip on different dates in a single fund. U may use weekly STP from Liq. + fund route for better cost averaging & control on ur investment.
continuing ur minimum sip in Vision & Bluechip `ll be a personal choice.
HDFC Top 200 is indeed a better choice among the funds discussed.
Thanks
Ashal...
In reply to:
mutual funds investment
Posted by : ankzvohra782
Hi Arshal,
Thankyou for ur reply,yeha sip on multiple dates sounds good in theis volatile market but the problem is tht i have already got registered so what i thought is to stagger these funds in buy sips such a way tht no two funds are bought on the same day..that way the distribtion ill be some what similar.(and the sip date sof all fund houses almost coincide)
Birla frontline loks good to me but i think i will go with HDFC top 200 coz i have been impressed by the peformance of Mr Prashant Jain since quite some time. Actually first choice was HDFCequity but the huge fund size bothers me.
I am very much tempted to continue a min sip in Reliance Vision and Franklin Bluechip so as to reduce my average, say 1k per scheme for 1 year. What do u think abt this averaging thing.....go ahead or better keep off..
regards
ankit
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from where can one by an gold etf??...
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Good Day Mr Rohit,
In reply to ur query i have a few suggestions for you. Firstly there is nothing like "Top Funds" in markets esp those like today coz what may be chart topping today might not give returns more than the benchmark indices th following year. Things like your age, your time horizon and ur risk profile will decide the funds best for u.
I will suggest the following funds to you:
1. DSP ML top 100: sound perofrmance and low downside, largecap
2. HDFC top 200: Excellent fund management, slightly conservative but consistent returns, large cap.
3. Reliance Growth: Excellent management, consistent,midcap oriented.
4. SBI Magnum contra: Diversified equity fund, consistent
5. DSP ML T.I.G.E.R : Thematic fund with focus on infrastructure and grwoth sectors.
I ve selected the above have 2 largecap funds as i believe that the markets upmove will see the largcaps move up faster than the other classes. Keep about 50% of ur investments in the largecap funds manetioned above, 20% each in Rel growth and sbi contra and 10% in TIGER fund. Rest you may decide based on ur risk profile.
If u dont want the extra zing in you folio and are a little conservative in your approach then select either DSP ML balanced or HDFC Prudence insted of tiger. These balanced funds will minimise your folio downside and give moderate returns.
Regards
Ankit
...
In reply to:
Top 5 MFs to invest in Current Market
Posted by : nandarohit
Hi PCS Pune ji/ Other investment Gurus,
could you please help me in selecting Top 5 MFs to invest in Current Market?
Thanks in Advance.
Regards
Rohit Nanda
Tracked by: 0 Boarder
Hi Arshal,
Thankyou for ur reply,yeha sip on multiple dates sounds good in theis volatile market but the problem is tht i have already got registered so what i thought is to stagger these funds in buy sips such a way tht no two funds are bought on the same day..that way the distribtion ill be some what similar.(and the sip date sof all fund houses almost coincide)
Birla frontline loks good to me but i think i will go with HDFC top 200 coz i have been impressed by the peformance of Mr Prashant Jain since quite some time. Actually first choice was HDFCequity but the huge fund size bothers me.
I am very much tempted to continue a min sip in Reliance Vision and Franklin Bluechip so as to reduce my average, say 1k per scheme for 1 year. What do u think abt this averaging thing.....go ahead or better keep off..
regards
ankit...
In reply to:
mutual funds investment
Posted by : ashalanshu
Dear ankzvohra782, First from ur running list, i hope u have multiple SIPs on different dates as advised so many times here @ MMB.
for ur another large cap fund - sund. select focus & K-30 falls under an aggressive category, Birla Fr'line is relatively a less aggressive fund. U may invest in HDFC Top 200 fund with multiple sip of 1K on different dates.
From ur ongoing SIPs & new one, u r planni g to invest appx. 15K per month, in this case my advise 'll be to go for Liq. + fund & STP route. It 'll be more beneficial to u as u 'll earn more bucks than ur saving bank acct., on ur investment in liq. + fund.
Thanks
Ashal
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Ever watched any saas bahu sagas on television? How many blunders the protagonists in these serials make! And for their howlers, they are beaten up, jailed and even murdered (only to miraculously become alive again!).
But, alas, life is not an Ekta Kapoor soap where you can make umpteen blunders and get away with it.
For your investments, you might have to pay a heavy price for even small mistakes that you do. Here are the seven most common blunders that investors make.
1. Believing that trading is the same as investing
When you buy and sell stocks and mutual funds at the drop of a hat (read–without any research or planning), you are essentially ‘trading’. This will not help you to build long-term wealth. Yes, this is a fantastic way to make money, but for your broker, not you!
2. Being too conservative with your money
‘Real returns’ is the keyword here. These are returns post inflation. Putting away money in safe options such as bank deposits, Public Provident Fund (PPF) and so on might give you a negative real return. This is true especially in times of high inflation, such as now.
3. Being too aggressive with your money
This is just another way to lose money. Pumping money into high risk avenues, such as equities, without understanding can prove dangerous. A Warren Buffet saying sums it all up –to finish first, you have to first finish.
4. Keeping the ‘duds’
I know of a person who had invested in unheard companies such as Patheja Forging, Shaan Interval and Silverline. He refused to sell on the belief that he would earn good returns over the long term. Now, all the promoters of these companies are absconding.
It is important to invest in good quality stocks, choose a good fund manager, invest small amounts at regular intervals through Systematic Investment Plans (SIPs) and hold for a long term. That will make money for you.
5. Incorrect asset allocation
Too much of debt for the long term or too much of equity for the next quarter, is a sure fire way to leave you with little returns. It is wise to build a portfolio based on your risk capacity and financial goals.
6. Timing the market
Even experts cannot time the markets, leave alone investors. No one knows where the markets are headed in the short to medium term. Hence, it is foolhardy to time the markets. Instead, a disciplined investing, irrespective of market levels, pays off in the long run.
7. Overconfidence
If you hit a couple of ‘home runs’ (as the Americans say), you start to believe that you will continue to hit home runs regularly. This is true for most of us—we attribute our recent success as our creation and therefore we think we can repeat it. This overconfidence can lead to a big portfolio disaster. (Calculate: What should your ideal asset allocation be?)
So, the next time you see the vamp taking over the good guy in the serial, think of your investments and promise yourself not to fall prey to these mistakes.
Happy investing!
COURTESY : P.V.SUBRAMANIAM - MONEY CONTROL...
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Dear Rohit Nanda,
Investment in Following Largecap Oriented Funds may be GOOD Option.
DSPML Top 100 Equity Fund
DWS Alpha Equity Fund
HDFC GROWTH / Top 200 Fund
IDFC Imperial Equity Fund
Sundaram Select Focus Fund.
Among New Funds I am monitoring the Performance of Reliance Quant Plus Fund * ICICI Focussed Equity Fund.
P.C.Sharma
...
In reply to:
Top 5 MFs to invest in Current Market
Posted by : nandarohit
Hi PCS Pune ji/ Other investment Gurus,
could you please help me in selecting Top 5 MFs to invest in Current Market?
Thanks in Advance.
Regards
Rohit Nanda
Hi PCS Pune ji/ Other investment Gurus,
could you please help me in selecting Top 5 MFs to invest in Current Market?
Thanks in Advance.
Regards
Rohit Nanda...
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