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MF Investment Help
Tracked by: 0 Boarder
Dear Mone,
Performance of all your Funds is better than Average Except Reliance Tax Saver Fund.
Continue SIP in all 4 Funds.
Dont Redeem Fidelity Tax Saver & Templeton Equity Income.You can Expect GOOD Returns after 2-3 years.
Switch Reliance Tax Saver to Reliance Equity Advantage Fund after 3 years Lock-In.
P.C.Sharma...
In reply to:
MF`s SIP`s giving negative returns
Posted by :
mone
Hello,
I am having SIP`s in the following Mutual funds for the last 18 months. Currently all of them are giving negative returns. Please advice whether i should hold /switch or redem it:
1) HDFC GROWTH FUND - GROWTH
2) RELIANCE GROWTH FUND - GROWTH PLAN
3) TATA INFRASTRUCTURE FUND - GROWTH
4) KOTAK OPPORTUNITIES-GROWTH
Non-SIP funds
1) FIDELITY TAX ADVANTAGE FUND GROWTH
2) RELIANCE TAX SAVER FUND - GROWTH PLAN
3) TEMPLETON INDIA EQUITY INCOME FUND DIVIDEND PLAN
Thanks
Mone
Tracked by: 0 Boarder
Dear Mone,
I must ask you this one question. Why did you invest in these funds in the first place?
If it was to make quick bucks in a short period of 2 years via SIP, then you might as well redeem all the funds and invest in safer bank deposits as the recovery is going to be slow and painful. On the other hand if you have a sound strategy for these investments and do not need money in near future,(3 to 5 years)then hang on and you will be rewarded for your patience.
Regards,
Wadia...
In reply to:
MF`s SIP`s giving negative returns
Posted by : mone
Hello,
I am having SIP`s in the following Mutual funds for the last 18 months. Currently all of them are giving negative returns. Please advice whether i should hold /switch or redem it:
1) HDFC GROWTH FUND - GROWTH
2) RELIANCE GROWTH FUND - GROWTH PLAN
3) TATA INFRASTRUCTURE FUND - GROWTH
4) KOTAK OPPORTUNITIES-GROWTH
Non-SIP funds
1) FIDELITY TAX ADVANTAGE FUND GROWTH
2) RELIANCE TAX SAVER FUND - GROWTH PLAN
3) TEMPLETON INDIA EQUITY INCOME FUND DIVIDEND PLAN
Thanks
Mone
Tracked by: 0 Boarder
HDFC Growth - Continue
Reliance Growth - Continue
Tata Infra - Stop
Kotak Opportunities - Continue
Fidelity Tax Advantage - almost 2 year old, 4-6% better than it`s category
Reliance Tax Saver - More or less with it`s category for last 3 years, but gone down less in last 3 months
Templeton India Equity Income - Lagging with it`s category, should switch...
In reply to:
MF`s SIP`s giving negative returns
Posted by : mone
Hello,
I am having SIP`s in the following Mutual funds for the last 18 months. Currently all of them are giving negative returns. Please advice whether i should hold /switch or redem it:
1) HDFC GROWTH FUND - GROWTH
2) RELIANCE GROWTH FUND - GROWTH PLAN
3) TATA INFRASTRUCTURE FUND - GROWTH
4) KOTAK OPPORTUNITIES-GROWTH
Non-SIP funds
1) FIDELITY TAX ADVANTAGE FUND GROWTH
2) RELIANCE TAX SAVER FUND - GROWTH PLAN
3) TEMPLETON INDIA EQUITY INCOME FUND DIVIDEND PLAN
Thanks
Mone
Tracked by: 0 Boarder
Hello,
I am having SIP`s in the following Mutual funds for the last 18 months. Currently all of them are giving negative returns. Please advice whether i should hold /switch or redem it:
1) HDFC GROWTH FUND - GROWTH
2) RELIANCE GROWTH FUND - GROWTH PLAN
3) TATA INFRASTRUCTURE FUND - GROWTH
4) KOTAK OPPORTUNITIES-GROWTH
Non-SIP funds
1) FIDELITY TAX ADVANTAGE FUND GROWTH
2) RELIANCE TAX SAVER FUND - GROWTH PLAN
3) TEMPLETON INDIA EQUITY INCOME FUND DIVIDEND PLAN
Thanks
Mone
...
Tracked by: 0 Boarder
Dear Wadia,
I feel that Money control Boarders may be considered as INFORMED INVESTORS. For Such Investors Large Cap Oriented Diversified Equity Funds as mentioned by you are Better Option.
For Average Investors(not able to Monitor their Investments),Index Funds may be OK.
In US Context Index Funds are Better,. In Indian Context,Efficiently Managed Div. Equity Funds are Better for Informed Investors.
P.C.Sharma
...
In reply to:
Stick to largecap over midcap funds
Posted by :
wadia
Dear Milind,
The large cap funds can further be classified as growth, blend and Value funds. Growth stands for growing companies with expansion plans, while value means high dividend yeilding stocks and blend is mix of both.
Some of the good large cap funds are
Sundaram select focus
Kotak 30
Birla sunlife Frontline equity
DSPML Top 100
Even the index funds can fit into large cap funds category such as
ICICI Pru index or UTI Master Index.
The performance of these funds are in line with their benchmark and also category average.
Regards,
Wadia
Tracked by: 0 Boarder
Dear All Fellow Boarders,
Has the time come to start investing in Index or exchange traded funds?
Let us start a discussion on this subject.
All are invited to comment and suggestions if any.
Regards,
Wadia...
Tracked by: 0 Boarder
Dear Milind,
The large cap funds can further be classified as growth, blend and Value funds. Growth stands for growing companies with expansion plans, while value means high dividend yeilding stocks and blend is mix of both.
Some of the good large cap funds are
Sundaram select focus
Kotak 30
Birla sunlife Frontline equity
DSPML Top 100
Even the index funds can fit into large cap funds category such as
ICICI Pru index or UTI Master Index.
The performance of these funds are in line with their benchmark and also category average.
Regards,
Wadia
...
In reply to:
Stick to largecap over midcap funds
Posted by : milind_finance
Analisis is ok , but which are the best Large cap funds ? and what is there performence? Please give it.
Tracked by: 3 Boarders
Dear milind finance, weekly STP route is another mode of investment in Eq. MFs with a discipline & of course a slightly more earning.
How it works - Say u have 50k Rs. with u, & want to invest, in HDFC Top 200 fund with 4 SIPs of 1K Rs. every month, over the 12 months. In case of normal SIP, the money `ll be debited from ur saving account on every SIP date, the remaining amount in ur bank ` ll earn u an interest of 3.5% per annum & remember it is also Taxable so actual earning from this interest `ll be very low subject to ur Tax slab. Also u `ll have to check ur bank ACCT. regularly that SIPs r debited timely.
Now for same 50K Rs., first u invest this amount in HDFC Cash managment saving plus retail Plan (the liquid + fund of HDFC). Under weekly STP of 1K Rs.. the same amount `ll be debited from the Liquid + fund of HDFC & `ll be invested in ur Targeted Eq. MF, HDFC Top 200 in this case. The remaining amount in liquid + fund `ll earn 6-8% return per annum. Post Tax return `ll be much more in this case than saving bank return.
As the folio no. `ll be the same for both these fund, u `ll get a composite unit statement, hence tracking of ur investment `ll be very easy.
I hope the info `ll be useful to u.
Thanks
Ashal...
In reply to:
Top 5 MFs to invest in Current Market
Posted by : milind_finance
Thanks to Mr. Ashal & Ranjan, Please explain what is weekly STP rout?
Thanks & Regards
s m naik
Tracked by: 3 Boarders
Your strategy is good and that won`t increase your funds, if you decide to change funds for SIP after every year, depending on their performance. You can start SIP in new funds, you can switch through STP from your old funds to these new funds. That way, number of funds will almost remain same.
Regarding Lump-Sum investment, it can`t be said, that you should go for it even now, because markets can`t be timed. Although, some experts are saying that market is close to bottom, but this thing they have been saying since market started downfall in January-2008. They said the same thing, when market touched 17K, 16K, 15K and so on. Every time they said that market have reached the bottom, market proved them wrong. Having said that, market can`t go too much down from here.
In fact, you can start weekly SIP in selected funds to take full advantage of current market....
In reply to:
Top 5 MFs to invest in Current Market
Posted by : ashgoel
every year i start 10 SIPs of Rs 2000 for two year period into 5/4 star rated diversified funds. every third year, if i see that any of the funds have been moved to three star or lower category, i switch the amount to 4/5 star fund of the same family house. My outlook is for 20 years. Though this approach leads to increase in number of funds, but i am sure that most of the time, my money is invested in best of the funds.
Having said that, i have observed that SIP returns over last 5 years have been negligible.
What has gone wrong here? @ times, since my investment horizon is long, i tend to invest in lumpsome mode in top rated funds, but i have avoided that so far. Seems like now it is the time to invest in lumpsome over a period of next three months. Kindly suggest.
Tracked by: 3 Boarders
every year i start 10 SIPs of Rs 2000 for two year period into 5/4 star rated diversified funds. every third year, if i see that any of the funds have been moved to three star or lower category, i switch the amount to 4/5 star fund of the same family house. My outlook is for 20 years. Though this approach leads to increase in number of funds, but i am sure that most of the time, my money is invested in best of the funds.
Having said that, i have observed that SIP returns over last 5 years have been negligible.
What has gone wrong here? @ times, since my investment horizon is long, i tend to invest in lumpsome mode in top rated funds, but i have avoided that so far. Seems like now it is the time to invest in lumpsome over a period of next three months. Kindly suggest....
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: 3 Boarders
Thanks to Mr. Ashal & Ranjan, Please explain what is weekly STP rout?
Thanks & Regards
s m naik...
In reply to:
Top 5 MFs to invest in Current Market
Posted by :
jadhav
It seems there are no good A scripts as of now. Better to go for only 2-3 large cap oriented funds and rest in bank FD`s which are giving around 10 percentage return. I agree with PCSPUNE and his view are more likely to get accepted by rest of the boarders.
My choice will be
1 FI Bluchip Fund ( 3 Star VR Rating but more than 10 years of History)
2 Magnum Contra ( 5 Star from VR, From Midcap to Largecap Transformation)
3 Sundaram Select Focus Or Fidelity Equity
4 Reliance Growth or Kotak Opportunity or Sundarma Select Midcap
Give allocation around 25% each and wait for better times for Indian Stock Market.
Tracked by: 0 Boarder
Analisis is ok , but which are the best Large cap funds ? and what is there performence? Please give it....
In reply to:
Stick to largecap over midcap funds
Posted by :
MMB Messenger
In terms of performance, while largecap funds have on an average given about 23% returns over a three-year period, midcap funds have given just about 8%. So, the pick for investment would preferably be largecap funds at this point of time and not midcap funds.
Tracked by: 1 Boarder
Dear Ritul,
It is Expected that Large Cap Oriented Funds will Perform Better in Next 1-2 years.
Continue SIP in Following
HDFC Top 200
DSPML Top 100
ICICI Infra.
Discontinue SIP in Following
Reliance GROWTH
SBI Magnum CONTRA
HDFC Prudence
Start Fresh SIP in any 2-3 of Following
Kotak-30
Sundaram Select Focus
DWS Alpha Equity Fund
DSPML Equity
If you want Midcap Fund, IDFC Premier Equity is BEST Option, otherwise IDFC Imperial Equity is GOOD Option.
No need to Invest in Reliance Growth/ RSF Equity in Current Scenario.
You may Invest in Reliance Growth / RSF Equity after 1 year by SIP.
P.C. Sharma
...
In reply to:
re: my portfolio
Posted by : Mayekar
Dear Seniors/
I am having following portfolio of SIP MF
1. HDFC top 200
2 DSPML top 100
3 Reliance growth
4. Magnum Contra
5. HDFC prudence
6. Pru icici infrastructure
i am doing EQUAL amount SIP on multiple dates.
DSPML top 100 and magnum contra have replaced HDFC equity and Reliance vision( i stopped my sip in them after 2 yrs)
goal is to continue SIP for 3 more years .
following are my questions:
1. Should i chose a more aggressive large cap like sundaram select focus or K-30 instead of DSPML top 100 since i am already having a conservative large cap like HDFC top 200 in my portfolio
2 There is a strong temptation to chose Reliance regular savings equity fund instead of DSPML top 100 or another large cap. Reason being Reliance RSF has done better, as a fund it is still sitting on larger amounts of cash( so it can do better than others in coming period)
3 IF i chose reliance RSF i am afraid i will not have a large capo bias in my portfolio ( rel growth, Magnum contra, and Pru icici infr are not neccecarily large cap fund). Am i correct in assuming that i may not have a large cap bias by choosing relaince RSF instead of DSPML top 100
4.Ideally it would be better to have a multicap fund like DSPML equity in the portfolio . Instead i have chosen a contra fund like magnum contra. DSPML equity can still be added but then it will affect the balance of the portfolio. Pls comment
Seniors, pls guide
thank you
-Ritul
Tracked by: 3 Boarders
Dear arinshare
Your investment in HDFC Equity, HDFC Equity and ICICI Pru Infra is ok, but I wont recommend further investment in Rel Vision just to average out the cost. If a fund itself is not performing there is no point in investing just to average out the cost. After all you have other better alternatives to invest.
Regds
Ashport...
In reply to:
Top 5 MFs to invest in Current Market
Posted by : arinshare
Today (Sensex 10527.85, fall 800.51)on 10th Oct 2008 I have invested in HDFC Equity Rs. 2000 and ICICI pru Infrastructure Rs. 700 through their websites in order to have lowering average value. Am I wrong for investment in this scenario? If fall continues, my next target to invest in HDFC TOP 200 and Reliance Vision just to lower average cost. Since I started invested in all these funds in 2007 through SIP when sensex was at peak. Comments are solicited.
Tracked by: 3 Boarders
Dear Guest
You can remain invested in DSPML TIGER but dont invest further in this fund in these times of volatility.
Regds
Ashport...
In reply to:
Top 5 MFs to invest in Current Market
Posted by : Guest
Do you suggest to redeem all my holding in TIGER fund Or safe to keep them and watch the performance?
Thanks..
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