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Mutual Funds in Delhi NCR get Attractive offers of SIP

Home 34535/ Mutual Fund

Category Archives: Mutual Fund

13 Nov

Mutual Fund on Google has reached the highest levels in five years

  • Finheal
  • Mutual Fund
  • Tags: Financial Plan, Google Trends, Mutual Find Awareness, mutual fund investment
  • no comments

Search for the term ‘mutual fund’ is hovering at its highest level in the last five years in Google Trends in India as well as rest of the world.

If you look for any word in Google Trends, it would give result on the scale of 0 to 100. On this scale, the word ‘Mutual Fund’ scored 99 last week, whereas multibagger and SIP scored 96 and 91 for the week ended November 11.

A value of 50 means that the term is half as popular. In other terms, we can say that lower the scale lesser the popularity.

With rising awareness, search for the word ‘mutual fund’ on Google has reached the highest levels in five years when markets are hovering at the levels never seen before.

Mutual Fund Google Trends November 2017 to August 2017

Image Source: Google Trends

If you are also looking for a mutual fund, which suits your investment need, then you should first decide on your financial plan and goals, and avoid taking any tips from your friends and relatives.

Vidya Bala, Head, Mutual Fund Research, FundsIndia said, “First things you look for selecting a mutual fund is time frame. Not knowing your time frame means you may end up with choosing a wrong fund. Secondly, one should not chase chart topers. High performing fund at present does not necessarily give you robust return in future also. One should look for funds with track record of three to five years. Investor should also understand where the fund will invest and what are the risks associated wiyh it.”

“If you don’t track markets on regular basis then you should avoid sectoral funds. Don’t simply buy a fund what your friend or relative advised. You time, risk profile, goal and saving capability determine which mutual suits you,” said Bala.

Even before you set out to decide where to invest your money, you need to know what you want it to do for you. If you cannot do this on your own, identify a financial planner who can do this for you. If this is not done properly, failure is assured.

Once you have decided on your plan, you need to decide whom to entrust the money with. An asset management company should have strong experience in the financial arena. Next you should check fund manager’s experience in managing mutual fund etc. Also, frequent changes of fund managers can be very detrimental to consistency of returns.

Mutual Funds A Better Way of Investment

The fund house should have robust investment processes, laid down in clear unambiguous terms. This would eliminate the possibility of individual whims and fancies affecting the investments of the fund.

Avoid funds, which are highly concentrated, as they carry a higher level of risk. The failure of single security can lead to a huge erosion of investment value.

On the other hand, if the portfolio is heavily diversified, then even if a single security or many securities outperform significantly, the impact on the overall returns will be very marginal.

Look for funds, which have neither too little not too much of AUM.

Avoid funds, which are highly volatile in their returns. Funds which fall greatly when markets fall can lead to huge value erosion and the fund manager may have to take risky bets to earn to cover the loss.

Comparison of scheme return with the benchmark return is the best way to know the performance of the fund.

Then one should compare the returns of the fund with similar kind of fund existing in the market of different fund houses.

Source: economictimes.indiatimes.com

17 Oct

Amazing mutual fund investments that can make you very rich this Diwali 2017

  • Finheal
  • Investment,Mutual Fund
  • Tags: Aditya Birla Sun Life Frontline Equity Fund, Balanced Fund, Diwali 2017
  • 3 comments

Diwali is a good time to invest in mutual funds, and here is a list of MFs that can generate out-sized gains for you in the next 5 years.

Mutual Funds Investment contact Finheal

Image Credit: forbes

Mutual funds have demonstrated a strong capability of generating wealth. Retail investors these days do not need to rely on hot stocks and tips to see their hard-earned money work harder for them. With mutual funds, investors can double their money in 5 years since it easy to get 15% returns annually by investing in good funds. Diwali is a good time to invest in mutual funds, and here is a list of MFs that can generate out-sized gains for you in the next 5 years.

Balance and beauty
Balanced funds are geared toward investors who are looking for a stable combination of safety, income and modest capital appreciation. Since they have shown a category average of 15% annual returns in the last 5 years, balanced funds can very well double your wealth in the next 5 years as well. “You should take the systematic investment plan route for balanced funds. We prefer Aditya Birla Sun Life 95 Balanced Fund, and DSP BlackRock Balanced Fund for a few reasons. Both these funds have a long track-record of over 15 years. They have beaten various benchmarks and even peers across time-periods, and have managed to double money in a safe way. Don’t forget to add a bit of balanced fund magic when you invest this Diwali,” says Anil Rego, Founder and CEO of Right Horizons.

Name Of The Fund 3-Year Return (%) 5-Year return (%) 10-Year return (%)
Aditya Birla Sun Life 95 Balanced Fund 14.92 17.73 12.42
DSP BlackRock Balanced Fund 14.96 15.82 11.26

Data: Value Research; as on Oct 10.

How to buy Mutual Funds

Image Credit: valueresearchonline

Strength of size
Large-cap funds are known for stability. Investing in top-quality companies with successful businesses, large cash flows and dividend-paying track-record, large-cap funds are an attractive yet simple way to make money. Rego recommends Aditya Birla Sun Life Frontline Equity Fund because it is probably the only fund that has consistently beaten its benchmark for the last 10 calendar years. With an 18% plus annual return record, this fund has silently worked its way to become one of the biggest stock funds in our country. Franklin India Bluechip Fund, one of the oldest funds still in existence, boasts of a low portfolio turnover, solid risk-return profile and the capacity to beat Sensex over the long term.

Name Of The Fund 3-Year Return (%) 5-Year return (%) 10-Year return (%)
Aditya Birla Sun Life Frontline Equity Fund 14.04 18.21 11.9
Franklin India Bluechip Fund 12.06 14.69 9.61

Data: Value Research; as on Oct 10.

Small is beautiful
Small-cap funds are considered more risky than most equity fund categories, but with high risks come bigger rewards. L&T Emerging Businesses Fund has a short track-record, but in 3 years it has managed to return 26% annually such. “This is a good fund to hold for the next 5 years. Investors should also consider buying Reliance Small Cap Fund, a seven-year performer. With above 31% gains annually in the last 5 years, this fund has shown that it’s possible to get five-fold returns in five years! Depending upon your risk profile, allocate funds to this category,” says Rego.

Name Of The Fund 3-Year Return (%) 5-Year return (%) 10-Year return (%)
L&T Emerging Businesses Fund 26.76 n.a. n.a.
Reliance Small Cap Fund 23.2 31.16 n.a.

Data: Value Research; as on Oct 10.

Multicap funds
Multicap funds are market capitalisation agnostic and invest across the breadth of the equity market. This ensures they do not leave out any potential opportunities. Investing across largecap, midcap and smallcap stocks also makes them very diversified. Right Horizons prefers Franklin India Prima Plus Fund and HDFC Equity Fund for their vintage, their respected fund managers and their demonstrated capability of performing across market-cycles. These funds have below-average risk grade but above-average returns for the last 5 years.

Name Of The Fund 3-Year Return (%) 5-Year return (%) 10-Year return (%)
Franklin India Prima Plus Fund 14.62 19.05 11.51
HDFC Equity Fund 10.29 16.33 12

Data: Value Research; as on Oct 10.

Rangoli of lights Diwali 2017

Image Courtesy: wikimedia

Sectoral bets
A bullish view for the next 5 years means that the main sectors of the stock market will perform. You should buy one banking sector fund and one pharma sector fund to reap rich rewards. Banking is a growth sector while pharma is a defensive sector. “Banking and finance are the backbones of the economy. ICICI Prudential Banking and Financial Services Fund has superb track-record of picking stocks ahead of others. In the pharma fund space, the SBI Pharma Fund is a good pick to hold with a 5-year view. Pharma funds have been beaten down of late, and an investment today will ensure superior risk-adjusted returns in the next half a decade,” says Rego.

Name Of The Fund 3-Year Return (%) 5-Year return (%) 10-Year return (%)
ICICI Prudential Banking and Financial Services Fund 24.04 24.6 n.a.
SBI Pharma Fund 5.37 17.35 14.07

Data: Value Research; as on Oct 10.

(These mutual funds have been recommended by Anil Rego, Founder and CEO of Right Horizons. Although due care has been exercised by them while selecting these funds, readers are advised to consult their financial adviser before investing in any of these funds)

Read More: This article is originally published on financialexpress.
Author Credit: Sanjeev Sinha

12 Jan

What’s better? Investing in Equity Mutual Funds or Directly in Stocks

  • Finheal
  • Mutual Fund
  • one comment
Investing in Equity Mutual Funds or Directly in Stocks | Mutual Funds vs Stocks

Investing in Equity Mutual Funds or Directly in Stocks | Mutual Funds vs Stocks

Equities have out-performed other investment asset classes over the long-term in India as well as worldwide. With rising maturity, retail Investors in India have begun to understand this and also take strides into the short-term instability of this asset class. Better rigid environment and better corporate governance have also helped bring more investors to Equities.

Currently, retail equity investment in India is frequently channeled straight in stocks. Individual investors hold around 20% of the total equity market value, even as mutual funds account for about 3%. This is roughly the opposite of global trends where retail money is typically professionally managed and mutual funds are the investment vehicle of choice for equities.

Why should India be diverse? Does direct investing give any benefit over investing in equity mutual funds?

To answer this question, we conducted a study to compare the historical performance of Indian equity funds to that of the stock market over the last 10 years. We chose 25 equity mutual funds based on size (highest assets under management) to stand for the complete equity mutual fund industry in each year. We compared the median yearly return for these funds to the yearly returns of the Nifty. Here’s what we found:

The analysis shows that
Equities in general created wealth for investors over 10 years
The return provided by both mutual funds and the market varied significantly from year to year
In each year, there were significant differences in returns between the two
Equity mutual funds outperformed the Nifty in 7 of the 10 years
The cumulative annualized return of Equity mutual funds over 10 years was significantly higher than the Nifty.

The conclusion: Equity mutual funds in India have been comparatively consistent in outperforming the broader stock market.

This not surprising.
Mutual funds are specially designed as well diversify investment portfolios. Professional money managers who make sure rigorous investment discipline to manage these funds. The fund managers are usually able to dedicate more time and resources to monitor investments, than a person could, and tend to react less to short term investor sentiment.

An interesting feature which we discovered throughout this research is that there was substantial variation in the composition of the top 25 equity mutual funds over the 10 years reviewed in our study. On average, about one fourth of the top 25 funds were replaced by new funds every year. The Indian mutual fund industry is incessantly transforming and accordingly, close monitoring and assessment of the equity mutual funds on offer is necessary to increase the chances of better performance.

19 Dec

Myths of Mutual Funds SIP

  • Finheal
  • Mutual Fund
  • Tags: investment in mutual funds, mutual fund SIP, NAV, SIP
  • no comments

myth about mutual funds

Mutual Funds are enormously popular among investors, but do you be acquainting with how much of the information that people speak about MFs are just mythology? Maybe it’s time to put the record straight and get your facts accurate.

Mutual Fund SIP is a popular term in investment circles even although there is a definite air of confusion surrounding it. You require understanding that it is not an investment but a technique of investment in mutual funds. It is just a policy that will help out you invest better and maybe while trying to apply this method, you be supposed to be conscious of the mythology that surround it.

Myth 1: SIP stands for Small Investors Plan

One of the main and easiest myths that surround Mutual Funds SIP is this. Investors believe that it is for investing lower sums of money, but actuality is it is just a very well-organized and long-term investment plan which does not actually gets limited by amount per use. It is necessary that one should recognize that the money is invested into in a fundamental asset in a usual disciplined manner.

Myth 2: A Fund with Lower NAV (Net Asset Value) is improved

People often get the wrong idea that the NAV of a mutual fund is similar to market prices of stocks. Many mistakenly buy mutual funds with a low NAV like they buy stocks at cheaper prices. This incorrect view stems from the belief that low NAV values are associated with a potential of increased returns.

Myth 3: Halted Mutual Fund SIP leads to punishment

Many investors believe that if you commit to an investment for a long tenure, you cannot change anything; neither the amount, nor the tenure and doing so will result in punishment. But in actuality you can do all that by just giving a written request and you will be able to change the tenure, amount and even the fund type. If you really want to change the fund, you can stop the existing SIP and switch to a new SIP.

Myth 4: SIP is not working (Returns are low!)

People review their investments by their returns. So, this myth stems from the detail that people look at their total returns after short intervals. SIPs are first and primary based on Internal Rate of Return or IRR of the investments. In the short term the complete returns clearly stays lower than the IRR because you spend in SIPs from time to time as an alternative of investing at one go. If you want to have good returns, then investing at regular intervals through a long term period.

Myth 5: Mutual Fund SIPs are only Long Term

Investors get actually puzzled and this seems to be a well-liked myth those requirements to be busted. Mutual Fund SIPs can be enrolled for six months if require be and that is the minimum tenure. But the investments in that tenure require being long term in nature. Despite the fact that the investment time can be short term, the holding time carried out through mutual fund SIP should be long term.

15 Dec

Secrets of Mutual Fund Investing

  • Finheal
  • Mutual Fund
  • Tags: financial advisor, mutual fund investment, mutual fund investor, mutual fund schemes
  • no comments

the five secrets you will never know about mutual funds

What do you believe – is investment a trouble or solution? Who does your asset build rich – yours or the middleman i.e. the mutual fund, broker, distributor, rating agency etc? How do you select a Mutual Fund scheme – on your information, skill or judgment or based on some advice or tip by a so called fund expert or market guru? Have you ever lost money in absolute terms, i.e. entire or a part of your capital? Have you ever lost money in relative terms, i.e. your investments earning positive returns, but a great deal less than the other choice investments? Have you been able to differentiate between good and bad mutual fund schemes?

Keep away from the flock mentality

The typical mutual fund investors buy decision is classically heavily biased by the actions of his associates, neighbors or relatives. Thus, if everyone around is invested in an exacting fund, the tendency for possible investors is to do the same. But this plan is leap to backfire in the long term. No could do with to say that you should always keep away from having the herd mentality if you don’t want to lose your hard-earned money in the markets. And this rule applies to a mutual fund investor as well as a fund manager. The world’s greatest investor Warren Buffett was surely not wrong when he said, “Be fearful when others are greedy, and be greedy when others are fearful!”

Take informed decision

Proper research is supposed to always be undertaken previous to investing in funds. But that is hardly ever done. If you don’t have time or nature for studying the markets, you might still take the help of a financial advisor.

Invest in business you appreciate

Never invest in a fund which you don’t understand. Never buy a fund which has a low NAV but always invest in a fund which has a good underlying selection of stocks, bonds or what the case which may be. And spend in the fund which you recognize – equity, fixed income, money market, commodity, hybrid etc. Don’t invest in fancy fund names, sector or thematic funds – keep in mind they are just fads by mutual fund managers and their distributors to loot the naive investor of his hard earned money.

Understand, for example, what your fund buys and sells, and how they formulate money. Thus, the more you realize the business of the company, the improved you will be able to check your mutual fund investment.

Don’t strive to time the Fund

A mainstream of investors, however, does just the opposed, amazing that financial planners have always been cautioned them to keep away from, and thus lose their hard-earned money in the process. So, you be supposed to by no means try to time the market. In fact, no one has ever done this successfully and time and again over multiple business or market cycles. Catching the tops and bottoms is a myth. It is so till today and will stay so in the future. In fact, in doing so, more people have mislaid far more capital than people who have made money.

Follow a restricted investment approach

Traditionally, it has been witnessed that even great bull runs have shown bouts of fright moments. The volatility witnessed in the markets has inevitably made investors lose money despite in the great bull runs. A lot of investors, although successful in the short term, actually lose over the long term simply because they don’t follow a disciplined investment approach. However, the investors who put in money systematically, in the right shares and held on to their investments patiently have been seen generating outstanding returns. Hence, it is prudent to have patience and follow a disciplined investment approach besides keeping a long-term broad picture in mind.

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