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MF Investment Help
Tracked by: 0 Boarder
IN THIS MARKET IT IS RIGHT TIME TO INVEST GOLD FUND OF FUND SCHEMES?...
In reply to:
Mkts may dip more; +ve on infra: Quantum AMC
Posted by :
MMB Messenger
IV Subramanium, Director of Quantum AMC, said that the markets may experience further lows owing to the FII trends, in particular, given the kind of outflows that we have had and the fact that there are participatory notes (PN) still unwinding to happen for some more months. 
Tracked by: 0 Boarder
IV Subramanium, Director of Quantum AMC, said that the markets may experience further lows owing to the FII trends, in particular, given the kind of outflows that we have had and the fact that there are participatory notes (PN) still unwinding to happen for some more months....
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Dear all,
I had a talk with local Chief Manager of AIG Mutual Fund and he seemed to be very bullish about Gold in the Medium to Long Term. Short Term variation will continue to be volatile because of factors like Crude, Dollar, etc.
But the Long Term Trend for Gold continue to be Up. One of the reasons forwarded by experts is the almost stagnant Production of Gold and the steadily Rising Consumption, with the obvious result of Gap in Demand-Supply Ratio. In fact, I was told that some of the Big South African Mines are on verge of closure due to dwindling Gold Reserves. This will only increase Gold Shortage. I would prefer to invest in Gold, albiet, at a cap of 5 -10 % of portfolio depending on your age, risk profile, etc.
Preferably invest in Gold Mining companies like DSPML World Gold fund and AIG World Gold Fund rather than ETFs for better returns.
Regards,
Srikanth Shankar Matrubai...
In reply to:
Not the best time to buy gold now: Dhirendra Kumar
Posted by :
pkk07
Don't invest in AIG funds. AIG is troubled and may soon go bust.
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Hello,
I’m a long term investor with a perspective of at least 10 years. How many Large Cap funds should one have? Sundaram Select Focus, DSP Top100, HDFC Top 200 & Birla Frontline Equity - should one have all these 4 Large Cap Funds or any 1, 2 or3? My Portfolio comprises 2 Large Cap Funds - Sundaram Select Focus & DSP Top100 (out of total no. of 6 funds). If I add HDFC Top 200 & Birla Frontline Equity to my Large Cap funds, wouldn’t it be like buying the same shares; bcoz the FMs of these Large Cap Funds might have bought almost similar shares. Kindly advise. - a Long Term Investor
...
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Dear Experts out there
I have been investing in to Mutual Funds for past 5 years and following is my porfolio built largely on SIP. Although the funds are distributed among 3 of us, I realise its a collection of far too many funds. I would be grateful for a Portfolio evaluation and suggestion for change towards Growth. My target is maximum growth possible ( Rs 1 Crore). I have 3 to 5 years time frame affter which I may need income from the funds. Total vested corpus is Rs 2200000. I am currently investing Rs 9500 a month in the way of SIPs till Mar 09 and am able to add another 8000 more from September 08 onwards.Grateful for guidelines. I would like 70 Equity & 30 Debt Allocation. Thank you. My funds are as follows.
EXISTING FOLIO as on 31-Jul-08
Mutual Funds - 66.92 %
Company Deposits 11.96 %
Post Office 7.48 %
Bank Fixed Deposits 13.64
Mutual Funds & Shares
DSPML Equity - DR – SIP 2000 3.33
DSPML Opportunities - DR 3.40
DSPML T.I.G.E.R - 3.40
DSPML TIGER 3.40
Fidelity Equity - 1.63
FIBCF 4.48
Franklin India FlexiCap Fund 7.02
Franklin India Prima Plus - 3.98
Franklin India Prima Plus 2.04
HDFC - Equity – SIP 1000 7.75
HDFC Top 200 - 1.37
HSBC - Equity - SIP 1000 1.83
ICICI Infra Struc -SIP 1000 0.27
Kotak 30 - SIP 1000 0.27
Kotak Opprtunities - 2.20
SBI-Magnum Contra-SIP 1000 1.09
Reliance Equity Oppor 0.82
Reliance Growth - 2.58
Reliance Vision - SIP 1000 6.39
SundaramCapex Oppor-SIP 1500 6.43
Sundaram- Energy Oppor 3.40
Sundaram Select Focus - 6.46
Sundaram Select Mid Cap 9.51
TempletonIndiaEquityIncome 7.64
Tata Infrastructure Fund 1.36
Tata Equity Opportunities 3.40
REL PETRO (400) 3.92
REL POWER (24 Shares IPO) 0.44
UCO BANK (100 Shares ) 0.21
...
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I am interested in SIP with maximum return, the SIP should cover Health and Accidental Insurance upto 15 lacs as well as should give tax benefit under 80CC. Is it wise to go for above bundled package or go for separate packages. Which Sip, Insurance I should go for separately or Bundled up package...
In reply to:
UTI MF enhances UTI ULIP features
Posted by : MMB Messenger
UTI Mutual Fund has enhanced the features of UTI-Unit Linked Insurance Plan and has introduced Monthly Systematic Investment Plan under the scheme.
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UTI Mutual Fund has enhanced the features of UTI-Unit Linked Insurance Plan and has introduced Monthly Systematic Investment Plan under the scheme.
...
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Dear Easy MF Team, Hello! I regularly watch your programme on T.V. and I appreciate the valueable investment Tips given on your show. I have been investing in MF\...
In reply to:
Sensex to be rangebound around 13K-16K: IDFC MF
Posted by : MMB Messenger
Rajiv Anand of IDFC Mutual Fund said the Sensex would be rangebound between 13000-16000. The prices of commodities are cooling off and this has already been factored in. He added that the dollar has gained strength but that is only due to the fall in the Euro and the Yen.
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Dear Easy MF Team, Hello! I regularly watch your programme on T.V. and I appreciate the valueable investment Tips given on your show. I have been investing in MF\...
In reply to:
Sensex to be rangebound around 13K-16K: IDFC MF
Posted by : MMB Messenger
Rajiv Anand of IDFC Mutual Fund said the Sensex would be rangebound between 13000-16000. The prices of commodities are cooling off and this has already been factored in. He added that the dollar has gained strength but that is only due to the fall in the Euro and the Yen.
Tracked by: 0 Boarder
Dear Easy MF Team, Hello! I regularly watch your programme on T.V. and I appreciate the valueable investment Tips given on your show. I have been investing in MF\\\\`s for the last Two years and the funds in my portfolio are 1) SBI Magnum Contra ,2) HDFC Equity, 3)Sundram Select Midcap with an SIP of Rs. 6000/PM in each fund.
My Queries:
1) Are the funds in my portfolio OK ?
2) I want to add one more Fund to my portfolio preferably a Large Cap ( Sundram Focus or DSPML top 200 or Kotak 30 which ever you wud like to suggest.(SIP of Rs.6000/PM.)
3) I also wanted a Thematic Fund in my portfolio but since the current market is not so conducive for thematic funds I want to go for Large Cap
4)My investment horizon is 10 to 12 yrs. and with investment of Rs.24000/PM can I achive the One Crore figure.
My age is 42 yrs and I dont mind taking risksWud appreciate if can reply on my Email ID also. Thanks !Sandeep BaliFlat no. 202, A block New Generation Appts. Dhakoli.Chandigarh.Mob. 09356352048
E mail. san_bali2003@yahoo.co.in
...
In reply to:
Sensex to be rangebound around 13K-16K: IDFC MF
Posted by : MMB Messenger
Rajiv Anand of IDFC Mutual Fund said the Sensex would be rangebound between 13000-16000. The prices of commodities are cooling off and this has already been factored in. He added that the dollar has gained strength but that is only due to the fall in the Euro and the Yen.
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DSP-ML India T.I.G.E.R. Fund pared its weightage to oil & gas, metal, banking, services, utilities, cement and chemical, while increased its exposure to engineering, pharma, telecom and media sectors....
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DSP ML could be worst performing fund this year. Because they sold when they should buy more. & also, their own subprime losses could speak louder.
I remain underweight on this fund....
In reply to:
DSP-ML India T.I.G.E.R. sells oil, metal; buys engg, pharma
Posted by : MMB Messenger
DSP-ML India T.I.G.E.R. Fund pared its weightage to oil & gas, metal, banking, services, utilities, cement and chemical, while increased its exposure to engineering, pharma, telecom and media sectors.
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Matching Investor Type With Investment Type-----------
1- Know what kind of investor you are.
2-What type of fund you should invest in.
Funds for Aggressive Investors-
1-Sectoral Equity
Risk-very High
Objective-Long Term Growth
Ideal Tenure- 7-10 yrs
2-Equity Diversified,ELSS
Risk-High
Objective-High Growth
Ideal Tenure-above 5 yrs
Funds for Moderate Investors----
1-Index,Balanced
Risk-Moderate
Objective-Moderate Growth
Ideal Tenure-3-5 yrs
2-Balanced MIPs
Risk-Moderate
Objective-Growth and Income
Ideal Tenure - 2-3 yrs
Funds for Conservative Investors------
1-MIPs, Income Plans
Risk-Low
Objective-Steady Income
Ideal Tenure-1-2 yrs
2-FMPs,Floating Rate
Risk-Very Low
Objective-Liquidity & Returns
Ideal Tenure- 6-12 months
(Source- Money Today)
...
In reply to:
What type of investor are you ?
Posted by : latikav
There’s somebody who can tell you which type of mutual fund to invest in. And that person is no other than you yourself. That’s because which fund suits you depends on what kind of an investor you are. Answer these questions to find this out.
1. Assuming that the extent of loss and gain from an investment is equal, which of the following is most acceptable to you?
a. 5% loss or gain
b. 10% loss or gain
c. 20% loss or gain
d. 30% loss or gain
2. A few weeks after you invest in a fund, the markets crash and the value of your investment dips by 20%. What do you do?
a. Exit the fund
b. Sell part of it
c. Do nothing
d. Invest more
3. When you invest, what is your most important concern?
a. Safe even if investment doesn’t grow
b. Investment is able to beat inflation
c. Moderate returns at moderate risk
d. High profits even if investment risky
4. A company in which you lost money has made a turnaround and is coming out with a public issue. What would you do?
a. Not invest in the company again
b. Track shares for possible investment
c. Buy shares only after the public issue
d. Invest in the public issue
5. You invest Rs 50,000 in a mutual fund. Two months later, you unexpectedly need the money. What would you do?
a. Redeem investment in full
b. Redeem part of investment
c. Take advance from employer
d. Take a personal loan
6. A few months after you start an SIP the markets turn bearish. What do you do?
a. Withdraw the entire investment
b. Remain invested, but end the SIP
c. Continue investing as planned
d. Increase the SIP amount
7. How frequently do you track your investment portfolio?
a. Every day
b. Once in 15-20 days
c. Once in 2-3 months
d. Once in more than six months
8. What is the basic objective of your investment?
a. Meet day to day expenses
b. Supplement income
c. Buying an asset
d. Retirement planning
9. How soon do you need the money you plan to invest?
a. In 6-7 months
b. In 12-15 months
c. In two-three years
d. After more than five years
10. How much of your monthly income is available for investment?
a. Less than 10%
b. 10-20%
c. 20-50%
d. Over 50%
Give yourself points on the following basis:
a. 1 point
b. 2 points
c. 3 points
d. 4 points
Scorecard
10-15 points
You are conservative and uncomfortable with the slightest risk. Your investment tenure and financial requirements don’t allow you to take too much risk.
16-24 points
You are moderate and willing to take a little risk. This is also because you have a longer investment tenure and more stable financial condition.
25-34 points
You are moderately aggressive and little extra risk does not bother you if returns are attractive. Your tenure is medium to long-term.
35-40 points
Very aggressive, you are more than willing to take risks. Your long-term tenure and comfortable finances mean you don’t need investments for income.
continued.........
Tracked by: 0 Boarder
There’s somebody who can tell you which type of mutual fund to invest in. And that person is no other than you yourself. That’s because which fund suits you depends on what kind of an investor you are. Answer these questions to find this out.
1. Assuming that the extent of loss and gain from an investment is equal, which of the following is most acceptable to you?
a. 5% loss or gain
b. 10% loss or gain
c. 20% loss or gain
d. 30% loss or gain
2. A few weeks after you invest in a fund, the markets crash and the value of your investment dips by 20%. What do you do?
a. Exit the fund
b. Sell part of it
c. Do nothing
d. Invest more
3. When you invest, what is your most important concern?
a. Safe even if investment doesn’t grow
b. Investment is able to beat inflation
c. Moderate returns at moderate risk
d. High profits even if investment risky
4. A company in which you lost money has made a turnaround and is coming out with a public issue. What would you do?
a. Not invest in the company again
b. Track shares for possible investment
c. Buy shares only after the public issue
d. Invest in the public issue
5. You invest Rs 50,000 in a mutual fund. Two months later, you unexpectedly need the money. What would you do?
a. Redeem investment in full
b. Redeem part of investment
c. Take advance from employer
d. Take a personal loan
6. A few months after you start an SIP the markets turn bearish. What do you do?
a. Withdraw the entire investment
b. Remain invested, but end the SIP
c. Continue investing as planned
d. Increase the SIP amount
7. How frequently do you track your investment portfolio?
a. Every day
b. Once in 15-20 days
c. Once in 2-3 months
d. Once in more than six months
8. What is the basic objective of your investment?
a. Meet day to day expenses
b. Supplement income
c. Buying an asset
d. Retirement planning
9. How soon do you need the money you plan to invest?
a. In 6-7 months
b. In 12-15 months
c. In two-three years
d. After more than five years
10. How much of your monthly income is available for investment?
a. Less than 10%
b. 10-20%
c. 20-50%
d. Over 50%
Give yourself points on the following basis:
a. 1 point
b. 2 points
c. 3 points
d. 4 points
Scorecard
10-15 points
You are conservative and uncomfortable with the slightest risk. Your investment tenure and financial requirements don’t allow you to take too much risk.
16-24 points
You are moderate and willing to take a little risk. This is also because you have a longer investment tenure and more stable financial condition.
25-34 points
You are moderately aggressive and little extra risk does not bother you if returns are attractive. Your tenure is medium to long-term.
35-40 points
Very aggressive, you are more than willing to take risks. Your long-term tenure and comfortable finances mean you don’t need investments for income.
continued............
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Dear vvrk,
Reliance Automatic Insurance Plan ( AIP ) ULIP Offers Life Insurance
Cover upto 37 Times of Annual Premium(earlier 100 Times). It also offers 52 Free Switches per year.
In Single Premium Allocation Charges are only 2%.
This may be made to work like STP ( value Averaging with 1% Growth
every month)
ADVANTAGE of Health + Wealth + is that Charges of Health Cover(without Rider) are very Low.
Fund Performance of Reliance ULIPS is below Average. BUT Value Averaging Plan can yield extra ordinary Returns.
I am Experimenting in both these Plans.
P.C.Sharma...
In reply to:
SIP (or) Timing the Market
Posted by : vvrk
Dear Ashal,
I thought I had a good ULPP. The Fund Management Charge was only 0.80% which is pretty good for a equity fund. And there were no other recurring charges except for a paltry Rs.20 per month.
But now I am back to square one again looking for a decent ULIP. As Sharmaji suggested, I have been looking at Reliance ULIPS. So far I am not impressed. They have a health insurance ULIP which does not have life cover which I am evaluating. HDFC ULIPS were attractive some time back, but even they have increased there fund management charges from 0.80% to 1.25%. Do let me know if you have come across any ULIPS which have minimal charges.
Thanks,
Raj
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