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MF Investment Help
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ABN AMRO Mutual Fund has announced changed its name to Fortis Mutual Fund with immediate effect. ...
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Dear Dragonbhat,
Your last paragraph makes me wonder if you or any SIP investor has suddenly lost his job or whatever he is doing to earn the monthly income and has no money to further invest in SIP.
My dear, An SIP is a long-long term plan and one invests systematically and gradually to even out the ups and downs. If one is looking for a bottom, that is akin to market timing. SIP nullifies the greed and fear psychosis of an investor.
I would like to share one of my client`s emotional investing decisions. He has a couple of investments in MF online and a few SIPs with a broker. He intended to continue investing online just like an SIP but have completely stopped investing and started redeeming at a loss ever since beginning of this year but his SIPs are still continuing that were done through the broker. The reason for this he tells me is in such volatile market, I am unable to carry on investing online as the fear of loosing is too strong to commit any money, and watching the indices plummeting made him redeem at a loss. In fact his decision of not investing is loosing him the opportunity of buying at such low levels. I asked him that in that case why did you not stop the SIPs? His answer was the broker advised him not to and convinced him to continue as he is getting more units at lower NAV and when markets will turn for the better, he will earn more.
Regards,
Wadia...
In reply to:
Learn to invest in equities without an iota of risk
Posted by :
Dragonbhat
Hi Ashalanshu,
Very mature and intelligent comments from you. I am not advising against SIP because the markets are down. Markets will go up and down - that is their nature. However, SIPs are sold on the wrong basis. SIPs don`t mean lowering your cost averaging - it doesn`t work that way except on paper.
If you have the patience read MMB boarder Callahan`s post on SIP in his blog: samsdungeon.blogspot. com
BTW, I know Callahan just the way i know you, only virtually.
My point with SIP is SIP is good if a person`s goal is to forcefully save money. But if the goal is to average down. Don`t Do It.
I repeat just for emphasis `Don`t Average Down.`
You are a smart person, look at the heading of this thread `Learn to invest in equities without an iota of risk` - can there really be a free meal? can someone really invest in equities without risk?
More we run away from risk the more we court it. The very action of averaging down will drag one`s networth lower and lower.
If I buy at 21k, then at 19k, then at 18k then at 17k - Now, i think 16k is absolute bottom. Markets can`t go lower than this i think. Whoosh markets go lower. By the time it is 12.5k i have invested all my money i now no more have any money to average down.
Regards,
Dragon. 
Tracked by: 4 Boarders
Dear Dragonbhat, My dear friend, First of all thanks for ur detailed reply. In case of SIP, It`s not for the normal averaging of price just like the Shares. In case of SIP, as i earlier posted, one should first decide his/her goals & later link that goals to investments. For any goal which is 10+ year beyond (children edu. & marriage funding, Retirement Planning etc.) SIP in Eq. MFs is the best investment which is light on wallet & easy to handle. Just for ur info - K-30 (Div. reinvestment option) the large cap oriented fund from Kotak AMC was launched in Dec. 1998. For a SIP of 1000 Rs. since investment till Nov. 2008.
As per VROL the SIP returns are 19.96 % (CAGR) as on 17th Nov. 2008.
U can check the same for any other fund.
I think the 19.96% CAGR is not a bad return at all after the recent crash.
Thanks
Ashal...
In reply to:
Learn to invest in equities without an iota of risk
Posted by : Dragonbhat
Hi Ashalanshu,
Very mature and intelligent comments from you. I am not advising against SIP because the markets are down. Markets will go up and down - that is their nature. However, SIPs are sold on the wrong basis. SIPs don`t mean lowering your cost averaging - it doesn`t work that way except on paper.
If you have the patience read MMB boarder Callahan`s post on SIP in his blog: samsdungeon.blogspot. com
BTW, I know Callahan just the way i know you, only virtually.
My point with SIP is SIP is good if a person`s goal is to forcefully save money. But if the goal is to average down. Don`t Do It.
I repeat just for emphasis `Don`t Average Down.`
You are a smart person, look at the heading of this thread `Learn to invest in equities without an iota of risk` - can there really be a free meal? can someone really invest in equities without risk?
More we run away from risk the more we court it. The very action of averaging down will drag one`s networth lower and lower.
If I buy at 21k, then at 19k, then at 18k then at 17k - Now, i think 16k is absolute bottom. Markets can`t go lower than this i think. Whoosh markets go lower. By the time it is 12.5k i have invested all my money i now no more have any money to average down.
Regards,
Dragon.
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Commenting on the Wealth Builder Fund, Harsha Upadhayay of UTI AMC, said the company is looking at asset allocation between equity and gold and the exposure to gold will be through gold ETF. "This is ideal for all those investors who are seeking long-term capital appreciation with relatively less volatility in terms of returns."...
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Excellent article. Great one liner: \"If it was as simple as listening to the idiot box, everyone would be a successful investor.\"...
In reply to:
Strike gold in times of financial crisis
Posted by :
MMB Messenger
There is gloom and depression all over; but these times provide some of the best opportunities to create wealth.
Tracked by: 4 Boarders
Hi Ashalanshu,
Very mature and intelligent comments from you. I am not advising against SIP because the markets are down. Markets will go up and down - that is their nature. However, SIPs are sold on the wrong basis. SIPs don`t mean lowering your cost averaging - it doesn`t work that way except on paper.
If you have the patience read MMB boarder Callahan`s post on SIP in his blog: samsdungeon.blogspot. com
BTW, I know Callahan just the way i know you, only virtually.
My point with SIP is SIP is good if a person`s goal is to forcefully save money. But if the goal is to average down. Don`t Do It.
I repeat just for emphasis `Don`t Average Down.`
You are a smart person, look at the heading of this thread `Learn to invest in equities without an iota of risk` - can there really be a free meal? can someone really invest in equities without risk?
More we run away from risk the more we court it. The very action of averaging down will drag one`s networth lower and lower.
If I buy at 21k, then at 19k, then at 18k then at 17k - Now, i think 16k is absolute bottom. Markets can`t go lower than this i think. Whoosh markets go lower. By the time it is 12.5k i have invested all my money i now no more have any money to average down.
Regards,
Dragon....
In reply to:
Learn to invest in equities without an iota of risk
Posted by : ashalanshu
Dear Dragonbhat, I`m not at all angry with rags123 or any one else. I was just popping the question as now days due to so much hammering of Eq. market, a lot of people r either advising to redeem or to stop new investment. Be it Lump Sum or SIP.
Regarding ur Question - I have no idea when `ll the market `ll touch again the level of 21K?
Also regarding ur need urgently, my dear friend, in my view investment should be goal specific. Eq. as an asset class can perform only over long term 10-15-20 years. By this sense, if a person is investing for education or marriage corpus of his new born or for his own retirement, Eq. should be the first choice. If the investment is for a down payment of his dream house after 6-8 months or for a lump sum pmt. for any emergency, this amount at any cost should not be invested in Eq. It `ll be better to have this short term amount invested in Bank FDs, Pure Debt Funds etc.
Ur views are invited.
Thanks
Ashal
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I agree with this view. I have found such companies too for example GE Shipping. Also just I like the fact that you are encouraging us to find stuff on our own. Very rare when people just come and say buy XYZ.
Good one, can we please have something on how to analyze? some more hints please.
thanks....
In reply to:
Strike gold in times of financial crisis
Posted by : MMB Messenger
There is gloom and depression all over; but these times provide some of the best opportunities to create wealth.
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Long term Gold has bottom of USD 450-550 per Ounce....
In reply to:
Strike gold in times of financial crisis
Posted by : MMB Messenger
There is gloom and depression all over; but these times provide some of the best opportunities to create wealth.
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There is gloom and depression all over; but these times provide some of the best opportunities to create wealth....
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It is really painful as it seems that money control team is intentionally showing as if SBI & Birla Mutual Fund has sold KEC International whereas your table itself shows that they have actually bought it. A mistake can happen once but in both you are showing as sell. There seems something fishy as if some of your persons have vested interest and are bringing a bad name to Money control...
In reply to:
Birla Sun Life MF dumps cap goods, const, metals stocks
Posted by : MMB Messenger
Birla Sun Life Mutual Fund has reduced exposure to Engineering & Capital Goods, Cement & Construction and Metals & Mining sectors while has increased to Banking & Financial Services, Information Technology and Pharmaceutical sectors.
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Birla Sun Life Mutual Fund has reduced exposure to Engineering & Capital Goods, Cement & Construction and Metals & Mining sectors while has increased to Banking & Financial Services, Information Technology and Pharmaceutical sectors....
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Write up is not matching with the table. For example write up says SBI has reduced stake in 3i and tanla and increased in infosys. Where as table says it has purchased tanla and reduced infosys. Mismatch???...
In reply to:
SBI MF bets on technology, banking stocks
Posted by : MMB Messenger
SBI Mutual Fund has increased exposure to Information Technology, Banking & Financial Services and Food & Beverages sectors while has reduced to Engineering & Capital Goods, Cement & Construction and Metals & Mining sectors.
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SBI Mutual Fund has increased exposure to Information Technology, Banking & Financial Services and Food & Beverages sectors while has reduced to Engineering & Capital Goods, Cement & Construction and Metals & Mining sectors....
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Please avoid sector funds as far as possible. If you still want to invest, it should not be more than 5-10% of your total portfolio. Opt for dividend pay out. ...
In reply to:
Make money when the markets fall
Posted by : Guest
Please let me know which is the best Pharma sector thematic MF to invest ?
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What is the future of Reliance Industrial Infrastructure Ltd....
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