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MF Investment Help
Tracked by: 0 Boarder
Dear Mr.Venkat C,
If your Time Horizon is more than 2-3 years this is GOD GIFTED Opportunity to Invest in Selected ( not any) Equity Mutual Funds
( Large Cap Oriented ).
If you are already Invested in Above Average Performing Mutual Funds & incurred substantial Losses, you may wait for more than 1 year to Recover Losses. If you Redeem the Investments, you may not Recover the Losses.
If you are Invested in Below Average Performing Funds(Midcap/ Smallcap), Switch to Better Performing Large Cap Equity Funds.
Best Wishes,
P.C.Sharma...
In reply to:
Top 5 MFs to invest in Current Market
Posted by :
venkat_c
Hello Sir, instead of Buyingin the crashing markets, better exit at current levels, these are still the best levels to exit. Exit all big caps and mid cap stocks, I am Venkat from Training8m, Queensland Australia 
Tracked by: 0 Boarder
Hello Sir, instead of Buyingin the crashing markets, better exit at current levels, these are still the best levels to exit. Exit all big caps and mid cap stocks, I am Venkat from Training8m, Queensland Australia...
In reply to:
Top 5 MFs to invest in Current Market
Posted by :
pcspune
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
Tracked by: 0 Boarder
dear ashal,
congrats for being the boarder of the day.
regards
shakti...
In reply to:
Top 5 MFs to invest in Current Market
Posted by : ashalanshu
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
Tracked by: 0 Boarder
Speaking to CNBC-TV18 James Chirnside, CIO at Asia Pac Asset Mgmt says if one has an allocation plan of over 12 months then it is a good idea to stat putting little bit of money into markets now. I expect some form of global coordinated Central Bank cut in rates said Chirnside....
Tracked by: 0 Boarder
offcourse they lost there money......If you are stupid enough to take your own life and leave behind your two children that need your love and guidance through there early years and are far more important than money could ever be .......Its only money people!! you can get it back.....Life on the other hand is gone only once....
In reply to:
Beware! You can lose millions in minutes
Posted by : MMB Messenger
Stock market can be an ideal vehicle towards wealth creation, but the same can be really hazardous if you venture into its treacherous waters without any strategy in place.
Tracked by: 0 Boarder
ELSS is a part of your 80C investment. Make an asset allocation according to your age and risk appetite. Younger person can invest more in equity. A minimum of say 25 to 30% of your 80C - should go towards ELSS - whatever be your age. PPF can play a major part for older persons. Insurance should be the least contributor towards 80C . Always invest only via SIP. Go for value research rated funds. At present Sundaram Tax saver & DWS Tax saving fund are good options. Stick to your asset allocation. Please do not change your asset allocation according to the sensex levels. Also rebalance your portfolio every year accordingly. ...
In reply to:
Volatile Times - What should you do now?
Posted by :
Bullsinhell
How far it is advisable to invest in ELSS in the present market condition ?
Tracked by: 0 Boarder
Well written article Amit. Quite touching....
In reply to:
Beware! You can lose millions in minutes
Posted by : MMB Messenger
Stock market can be an ideal vehicle towards wealth creation, but the same can be really hazardous if you venture into its treacherous waters without any strategy in place.
Tracked by: 0 Boarder
Stock market can be an ideal vehicle towards wealth creation, but the same can be really hazardous if you venture into its treacherous waters without any strategy in place....
Tracked by: 0 Boarder
How far it is advisable to invest in ELSS in the present market condition ?...
In reply to:
Can it get any WORSE - Global Meltdown !
Posted by : DUstocks
At this point it`s pretty foolish to rule anything out, including the possibility of a crash - if there is anything more left to it yet !
Possibly the only thing to be optimistic about is that it`s always darkest before the dawn and it`s ALREADY very dark right now. I can hardly see anything beyond !
Tracked by: 0 Boarder
Dear Sharmaji,
Thanks for throwing light on the subject. If, as you said, all Mutual Fund companies start offering Insurance covers, it will be great for Investors. I hope it happens soon.
Regards,
Srikanth shankar Matrubai
...
In reply to:
Fund houses to scrap insurance cum MF products
Posted by : pcspune
Dear Shrikant,
IRDA has no authority to BAN or ALLOW Mutual Fund Houses to offer Free Life Insurance Covers to MF Investors because Group Insurance is offered by IRDA Approved Insurance Companies ( which happens to be SISTER CONCERNS of MF HOUSES).
The Decision to Discontinue the FREE Life Insurance cover was taken by Life Insurance COUNCIL which is a sort of UNION / ASSOCIATION of ALL INSURANCE Companies.
I Expect that in future other MF Companies like HDFC,SBI,HSBC, ICICI,
Canbank, Bharti AXA, TATA, SAHARA etc. may also offer FREE Life Insurance Covers to MF SIP Investors.
This will be EXCELLENT for Future for GROWTH of Mutual Funds.
P.C.Sharma
Tracked by: 0 Boarder
Hi Ravinder,
The method you are asking is possible. I understand that you want to make multiple purchases (SIP across three dates of same month & same Fund).
Option 1: You can registered for multiple SIP based on the Dates, just filling out forms with reference to your existing folio number
Option 2: If not allowed with option 1 go for multipl folio numbers and you can later combine the folio..
Hope this helps..
Thanks..
Ramanatan S. Laksman...
In reply to:
Multiple SIP Help
Posted by : Guest
Hi All,
Please find the details as follows:
Age -- 24 years
No dependetns.
I new into investment world :)
PORTFOLIO:
1) DSPML TOP 100 Equity: One SIP Rs 1000 Monthly (First week of month).
Have executed three SIP till now.
2) Kotak Opportunities: One SIP Rs 1000 Monthly (First week of every month).
Have executed three SIP till now.
3) Pricipal personal tax saver: One SIP Rs 2000 monthly (First week of every month.)
Have executed three SIP till now.
4) Sundaram TAX Saver: One SIP Rs 1000 monthly (Last week of each month)
First SIP will be paid this month (October, 2008)
Now, my queries are:-
I want to have multiple SIPs (4 per month of Rs 500 each) in Principal persinal tax saver to average out the unit cost. I am investing through Kotak Securties so i have requeted them many times to arrange for such plan and they in turn reply me that it is not possible. They further suggest that i can go for PPT- Growth & PPT- Dividend with one SIP of Rs 1000 in each.
Please advise me how to go ahead with this.
Also I would like to know any recommendations/modifications for my above investment plan.
Thank you all for your valuable time
Regards,
Ravinder
Tracked by: 0 Boarder
Hi All,
Please find the details as follows:
Age -- 24 years
No dependetns.
I new into investment world :)
PORTFOLIO:
1) DSPML TOP 100 Equity: One SIP Rs 1000 Monthly (First week of month).
Have executed three SIP till now.
2) Kotak Opportunities: One SIP Rs 1000 Monthly (First week of every month).
Have executed three SIP till now.
3) Pricipal personal tax saver: One SIP Rs 2000 monthly (First week of every month.)
Have executed three SIP till now.
4) Sundaram TAX Saver: One SIP Rs 1000 monthly (Last week of each month)
First SIP will be paid this month (October, 2008)
Now, my queries are:-
I want to have multiple SIPs (4 per month of Rs 500 each) in Principal persinal tax saver to average out the unit cost. I am investing through Kotak Securties so i have requeted them many times to arrange for such plan and they in turn reply me that it is not possible. They further suggest that i can go for PPT- Growth & PPT- Dividend with one SIP of Rs 1000 in each.
Please advise me how to go ahead with this.
Also I would like to know any recommendations/modifications for my above investment plan.
Thank you all for your valuable time
Regards,
Ravinder...
Tracked by: 1 Boarder
How you assess investments made with AIG Global?Is it worth holding?...
In reply to:
Learn to invest in equities without an iota of risk
Posted by : MMB Messenger
One can invest in equities with the guarantee of not losing capital. In other words, "having your cake and eating it too." Sandeep Shanbhag tells you how.
Tracked by: 0 Boarder
Dear Shrikant,
IRDA has no authority to BAN or ALLOW Mutual Fund Houses to offer Free Life Insurance Covers to MF Investors because Group Insurance is offered by IRDA Approved Insurance Companies ( which happens to be SISTER CONCERNS of MF HOUSES).
The Decision to Discontinue the FREE Life Insurance cover was taken by Life Insurance COUNCIL which is a sort of UNION / ASSOCIATION of ALL INSURANCE Companies.
I Expect that in future other MF Companies like HDFC,SBI,HSBC, ICICI,
Canbank, Bharti AXA, TATA, SAHARA etc. may also offer FREE Life Insurance Covers to MF SIP Investors.
This will be EXCELLENT for Future for GROWTH of Mutual Funds.
P.C.Sharma
...
In reply to:
Fund houses to scrap insurance cum MF products
Posted by :
kentmss
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.
Tracked by: 0 Boarder
Dear Sen,
Being a Senior Citizen, you should have to invest in Good Large Cap Funds and not Sector/Theme Funds and not even Opportunity Funds, as these funds take lot of time in giving you returns.
But, first of all, let me assure you that DSP ML is now DSP Black Rock, as Meriyll Lynch People had already their Asset Managemnt Company Worldwide long back. DSP had not yet changed the name of the company, which they have now done. Also, in India, all Mutual Funds are run by Trust where even a change in Company which forms the Trust to run the Mutual funds has NO say in the Day to Day Affairs of the AMC.
Coming to your investment, your investments seem to have been done in the Peak of the bull market and hence, seeing such a HUGE erosion. The Best option for you is to "JUST STAY INVESTED" and hold on for now.
The funds are good except for DSP Tiger which is a Infrastructure Fund and does not look promising even on a three year horizon. You can switch the same to DSPML Equity fund and stay invested for some time till the markets stabilise and then take a call accordingly.
Best of luck,
Srikanth Shankar Matrubai.
...
In reply to:
redeem dsp ml even at loss?
Posted by : Guest
i understand that because of amalgamation of dsp ml with a singapore company called hardrock, investors have been asked to redeem if they wish at current nav
i have an investment of rs 15000 in dsp top 100, 30,000 in tiger and 20,000 in opportunity eq. these are doing so badly even my principal has been heavily eroded.
i shall be very grateful if somebody will please advise.should i redeem even at a loss of 23,000 rs.or should i let it be for a few months. here let me mention i am a senior citizen
thanks a lot
sen
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