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MF Investment Help
Tracked by: 1 Boarder
Since the market is in a negative territory, the value of your investment had not shown a positive picture.Since your investment horizon is a long term one for five years, I suggest you to continue the SIP irrespective of the market trend.Whenever the market comes down, you will get more number of units for your instalment amount due to cost averaging.Only because of this fluctuation, investor will get the benefit.So for SIPs you neednot worry.Once the market starts its upward move , you will get the reward suitbly.SEE THE PORTFOLIO OF YOUR MUTUAL FUND AND NOT THE NAV.I also feel that if you can switch to DSP top 100 fund from TIGER fund, youwill see more rewards.You can stop further investment in this TIGER FUND and switch to TOP 100 fund and start fresh SIP for 60 months and see the result.Bye....
In reply to:
Please Advice
Posted by :
ritesh3962
Hi,
I had invested Rs 40000/- in DSP-ML India T.I.G.E.R -RP (G) mutual fund on Feb 2008 and started SIP for Rs 2000/- from Apl2008, my investment goes to around 52000/- till date, but when I am seeing the value of fund today, its showing only Rs 39000/- only :( (Big Pain) so my worry is that I should continue with the SIP or should I stop the SIP and stay invested in this fund for another 5 year, actually my horizon was to stay with this for 5 year and SIP will go till 2011. Please advice. One more thing if I want to stop SIP how can I do?
Tracked by: 0 Boarder
Dear vvrk,
Allocation Charges of Single Premium ULIPS(IDBI,Bajaj,AVIVA,Reliance,
SBI etc.)are generally 1.5% - 2%.
Allocation Charges of Single Premium ULIPS( KOTAK,Metlife,ICICI Smartkid,HDFC etc.)are generally 2% - 4%).
Allocation Charges of Single Premium ULIPS(TATA, ICICI Liftime SUPER)
etc.)are generally 2% - 4%).
P.C.Sharma
...
In reply to:
Kindly suggest changes in my portfolio..
Posted by :
vvrk
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
Tracked by: 0 Boarder
Dear vvrk,
Charges of METLIFE, IDBI, HDFC can be compared for Particular Age.
I am not monitoring those ULIPS which offer LOW Insurance Covers.
Insurance Companies are deducting Diferent Mortalitiy Charges in Different ULIPS within their ULIPS.
Mortality Charges of HDFC & Metlife are low n some ULIPS & high in other ULIPS.
Performance of ULIPS Flctuates widely. KOTAK ULIPS are better.
SBI, TATA, METLIFE are OK.
I am not Monitoring NEW ULIPS.
P.C.Sharma
...
In reply to:
Kindly suggest changes in my portfolio..
Posted by : vvrk
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
Tracked by: 0 Boarder
Dear sp.palo
Right now market is at 14500 level. Nobody knows which way it will move. By saying " If I want to invest at 13000 levels..." u are trying to time the market. Who knows this level u may not see in near future and market start moving northward from here. And suppose it reaches 13000 level in a month or two, who knows it may slide further.
So for a two year period Eq Funds are not advisable. Now choice is yours.
regds
Ashport...
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 ?
Tracked by: 0 Boarder
Dear Guest It is difficult to count even the no of funds in ur portfolio, hoe u will be able to tarck/monitor it. It seems whatever have come ur way u hv grabbed it with both the hands.don`t be a Fund Glutton, be a smart investor.By investing in too many funds the basic pupose of diversification is lost.
Your portfolio needs major revamp.Suggested change in ur portfolio:
SBI-Magnum Multi Cap - Switch to Magnum Contra
Sundaram BNP Paribas Rural India - Switch to Sudaram Select Focus
Templeton India Equity Income - Okay, Stay invested
Reliance Equity - Switch to Rel Growth
Sundaram BNP Paribas Equity Multiplier -Stay invested( being
close ended fund)
Tata Indo Global Infrastructure - Stay invested( being close
ended fund, redeem/switch after Oct`10)
Birla Sun Life International Equity Plan B- stay invested
Sundaram BNP Paribas Energy Opportunities - stay invested
Magnum COMMA Purchased -stay invested, may switch after
Dec`08 to Magnum Contra
Sundaram BNP Paribas CAPEX Opp - switch to
Sundaram Sel Focus after Dec` 08
ABN AMRO Equity - Switch to Mag Contra after Dec 08
ABN AMRO China India -Switch to HSBC Equity after Dec 08
Tata Growth - Switch to Tata Infrastructure
Sundaram BNP Paribas Select Focus - Stay invested
Sundaram BNP Paribas S.M.I.L.E - Switch to
Sundaram Sel Focus after Dec` 08
Magnum Midcap - Switch to Mag Contra
Tata Infrastructure Fund - Stay invested
Reliance Diversified Power Sector - stay invested
Magnum Sector Funds Umbrella - Contra Fund - Stay invested
Birla Sun Life Frontline Equity - Stay invested
DSPML T.I.G.E.R. Reg - Stay invested but monitor closely
DSPML Top 100 Equity Reg - stay invested
HSBC Equity - stay invested
Kotak Opportunities - stay invested
Reliance Growth - stay invested
Your trimmed portfolio will look like:
Templeton India Equity Income
Sundaram BNP Paribas Equity Multiplier
Tata Indo Global Infrastructure
Birla Sun Life International Equity Plan B
Sundaram BNP Paribas Energy Opportunities
Sundaram BNP Paribas Select Focus
Tata Infrastructure Fund
Reliance Diversified Power Sector
Magnum Contra Fund
Birla Sun Life Frontline Equity
DSPML T.I.G.E.R. Reg
DSPML Top 100 Equity Reg
HSBC Equity
Kotak Opportunities
Reliance Growth
Still 15 funds are there in ur portfolio. Sundaram Equity Multiplier and Tata Indo Global being closed ended fund, u cant do anything about these right now. Redeem/switch to better performing funds after lock-in period is over. Watch out the performance of Birla Sun Life International Equity Plan B and Sundaram BNP Paribas Energy Opportunities and decide after 1 yr about switching.
Thanks
Ashport
...
In reply to:
A New Commer - Pls Guide
Posted by :
Guest
Dear All,
I am long term investor with big risk appetite. I wish to receive returns atleast what bank F.D\'s give annually from my investments. All my MF\'s are with dividend pay-out options.
Can someone give suggestions by overlooking my portfolio of funds which MF\'s to get rid off or stay invested or add some other new funds like Debt Funds. I am not satisfied with my investments and their returns.
SBI-Magnum Multi Cap NFO
Sundaram BNP Paribas Rural India NFO
Templeton India Equity Income NFO
Reliance Equity NFO
Sundaram BNP Paribas Equity Multiplier NFO
Tata Indo Global Infrastructure NFO
Birla Sun Life International Equity Plan B NFO
Sundaram BNP Paribas Energy Opportunities NFO
Magnum COMMA Purchased Dec-2007
Sundaram BNP Paribas CAPEX Opp Purchased Dec-2007
ABN AMRO Equity Purchased Dec-2007
ABN AMRO China India Purchased Dec-2007
Tata Growth Purchased Dec-2007
Sundaram BNP Paribas Select FocusPurchased Dec-2007
Sundaram BNP Paribas S.M.I.L.E Purchased Dec-2007
Magnum Midcap Purchased Dec-2007
Tata Infrastructure Fund Purchased Jan-2008
Reliance Diversified Power Sector FundPurchased Jan-2008
Magnum Sector Funds Umbrella - Contra Fund Purchased Jan-2008
Birla Sun Life Frontline Equity Purchased June-2008
DSPML T.I.G.E.R. Reg Purchased June-2008
DSPML Top 100 Equity Reg Purchased June-2008
HSBC Equity Purchased June-2008
Kotak Opportunities Purchased June-2008
Reliance Growth Purchased June-2008
Thanks
Tracked by: 1 Boarder
I see no reason for you stop your SIP. This is a good fund & the market will have an excellent potential. Continue for 5 years as originally planned. I assure you that you will not regret your decision. In case you discontinue you will realise that you have spilled out an opportunity.
Prem Ghai...
In reply to:
Please Advice
Posted by : ritesh3962
Hi,
I had invested Rs 40000/- in DSP-ML India T.I.G.E.R -RP (G) mutual fund on Feb 2008 and started SIP for Rs 2000/- from Apl2008, my investment goes to around 52000/- till date, but when I am seeing the value of fund today, its showing only Rs 39000/- only :( (Big Pain) so my worry is that I should continue with the SIP or should I stop the SIP and stay invested in this fund for another 5 year, actually my horizon was to stay with this for 5 year and SIP will go till 2011. Please advice. One more thing if I want to stop SIP how can I do?
Tracked by: 0 Boarder
Dear friend, there r a lot of contradiction in ur post.
Quote," I'm a long term investor."
unquote, " just 6-8 months have been passed since u invested & u r worrying for market volatility.
Quote, " I have big risk appetite."
Unquote, u r expecting just bank FD beating return, which in any way doesn't show ur risk appetite. Even u r asking advise for investment in debt funds which is again not a risk taking move. Yes ur collection of NFOs confirm the fact.
As dear Ranjan rightly pointed out, u r not an investor but a fund collector. May be this due to wrong advise of ur MF agent.
keep ur list to 8-10 funds max.
chose from the list as advised by dear Ranjan.
Thanks
Ashal ...
In reply to:
A New Commer - Pls Guide
Posted by : Guest
Dear All,
I am long term investor with big risk appetite. I wish to receive returns atleast what bank F.D\'s give annually from my investments. All my MF\'s are with dividend pay-out options.
Can someone give suggestions by overlooking my portfolio of funds which MF\'s to get rid off or stay invested or add some other new funds like Debt Funds. I am not satisfied with my investments and their returns.
SBI-Magnum Multi Cap NFO
Sundaram BNP Paribas Rural India NFO
Templeton India Equity Income NFO
Reliance Equity NFO
Sundaram BNP Paribas Equity Multiplier NFO
Tata Indo Global Infrastructure NFO
Birla Sun Life International Equity Plan B NFO
Sundaram BNP Paribas Energy Opportunities NFO
Magnum COMMA Purchased Dec-2007
Sundaram BNP Paribas CAPEX Opp Purchased Dec-2007
ABN AMRO Equity Purchased Dec-2007
ABN AMRO China India Purchased Dec-2007
Tata Growth Purchased Dec-2007
Sundaram BNP Paribas Select FocusPurchased Dec-2007
Sundaram BNP Paribas S.M.I.L.E Purchased Dec-2007
Magnum Midcap Purchased Dec-2007
Tata Infrastructure Fund Purchased Jan-2008
Reliance Diversified Power Sector FundPurchased Jan-2008
Magnum Sector Funds Umbrella - Contra Fund Purchased Jan-2008
Birla Sun Life Frontline Equity Purchased June-2008
DSPML T.I.G.E.R. Reg Purchased June-2008
DSPML Top 100 Equity Reg Purchased June-2008
HSBC Equity Purchased June-2008
Kotak Opportunities Purchased June-2008
Reliance Growth Purchased June-2008
Thanks
Tracked by: 0 Boarder
Dear, NRE Investor, As u had mentioned, ur time frame 5 years, my advise \\`ll be to invest this amount in following manner.
1. Suns. Select Focus - 500*4 sips on different dates, a top class consistent large cap performer
2. HDFC Top 200 - 1000*2 sips on different dates , again a top class large cap performer
3. DSP ML Eq. - 1000*2 sips on different dates, a conservative diversified fund
Invest in ur name & make ur grandchildren nominee under all schemes with ur children as guardian.
U may increase ur sip amount any time in future.
thanks
ashal...
In reply to:
MF Investment Help
Posted by : NRE Investor
Request help/guidance for monthly MF SIP of Rs.3000/- each for my grandson (3-Yrs.) and grand-daughter (6-Yrs.) for 5 years and whether this amount can be increased in future? Please accept my heartily thanks in advance to this effect.
Regards
NRE Investor
Tracked by: 0 Boarder
You can invest in your name with your grandchildren as nominees.
Since they are minors - your son/daughter can be the guardian.
Have an SIP of Rs 2000 each in HDFC TOP 200 & Sundaram Select Focus.
Have an SIP of Rs 1000 each in DSPML TOP 100 & Birla Frontline.
Have a SIP for 12 months. You can renew every year with increased amounts. Opt for growth option....
In reply to:
MF Investment Help
Posted by : NRE Investor
Request help/guidance for monthly MF SIP of Rs.3000/- each for my grandson (3-Yrs.) and grand-daughter (6-Yrs.) for 5 years and whether this amount can be increased in future? Please accept my heartily thanks in advance to this effect.
Regards
NRE Investor
Tracked by: 0 Boarder
You are not an INVESTOR . You are a FUND COLLECTOR. First of all reduce the number of funds by redeeming & switching. The closed ended schemes - you can stay and get out after 3 years. Other funds you can redeem / switch after completion of 1 year of holding. Here are the funds you can hold / or switch to -
1) Magnum Contra
2) Sundaram Select Focus
3) DSPML top 100
4) HSBC EQUITY
5) reliance growth
6) DSPML TIGER
7) Birla Frontline
8) Tata Infrastructure
9) Templeton India Equity Income
You can invest 5% of your total investment in Reliance Diversified Power. For debt you can go to DSPML Balanced or Magnum Balanced.
Arbitrage funds give you around 8% without much risk.
Always invest via SIP. Always look for value research rated funds.(5* or 4*)....
In reply to:
A New Commer - Pls Guide
Posted by : Guest
Dear All,
I am long term investor with big risk appetite. I wish to receive returns atleast what bank F.D\'s give annually from my investments. All my MF\'s are with dividend pay-out options.
Can someone give suggestions by overlooking my portfolio of funds which MF\'s to get rid off or stay invested or add some other new funds like Debt Funds. I am not satisfied with my investments and their returns.
SBI-Magnum Multi Cap NFO
Sundaram BNP Paribas Rural India NFO
Templeton India Equity Income NFO
Reliance Equity NFO
Sundaram BNP Paribas Equity Multiplier NFO
Tata Indo Global Infrastructure NFO
Birla Sun Life International Equity Plan B NFO
Sundaram BNP Paribas Energy Opportunities NFO
Magnum COMMA Purchased Dec-2007
Sundaram BNP Paribas CAPEX Opp Purchased Dec-2007
ABN AMRO Equity Purchased Dec-2007
ABN AMRO China India Purchased Dec-2007
Tata Growth Purchased Dec-2007
Sundaram BNP Paribas Select FocusPurchased Dec-2007
Sundaram BNP Paribas S.M.I.L.E Purchased Dec-2007
Magnum Midcap Purchased Dec-2007
Tata Infrastructure Fund Purchased Jan-2008
Reliance Diversified Power Sector FundPurchased Jan-2008
Magnum Sector Funds Umbrella - Contra Fund Purchased Jan-2008
Birla Sun Life Frontline Equity Purchased June-2008
DSPML T.I.G.E.R. Reg Purchased June-2008
DSPML Top 100 Equity Reg Purchased June-2008
HSBC Equity Purchased June-2008
Kotak Opportunities Purchased June-2008
Reliance Growth Purchased June-2008
Thanks
Tracked by: 0 Boarder
The best way to minimize risk is to think -Warren Buffet...
Tracked by: 0 Boarder
One of the product of Icici Prudential named "Life Stage RP", is one of its kind product which gives u both benefit i.e. Death benefit (sum assured) and fund value, in the case of death of policy holder/life assured. If u compare Icici Prudential Life Insurance Product upfront charges to another life insurane companies, they charge low and end of the day they gives u more return than other. Life Stage Pension products has no premium allocation charges i.e. 100% allocation towards ur premium....
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
Tracked by: 0 Boarder
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
Tracked by: 0 Boarder
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....
In reply to:
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.
Tracked by: 0 Boarder
I strongly agree with ashok_n, and will like to see the old Message Board Format back.
This format is irritating....
In reply to:
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
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