Online
| Post a Message | Explore Forums | Browse Stock Messages | Hot Discussions | Top rated Messages | Top Boarders | |
|
|
|
MF Investment Help
Tracked by: 0 Boarder
UTI Mutual Fund has enhanced the features of UTI-Unit Linked Insurance Plan and has introduced Monthly Systematic Investment Plan under the scheme.
...
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\...
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\...
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.
Tracked by: 0 Boarder
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.
Tracked by: 0 Boarder
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....
Tracked by: 0 Boarder
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............
Tracked by: 0 Boarder
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
Tracked by: 0 Boarder
Dear amit.tpf, First of all split ur annual prem. of 50K into monthly prem. of 4200 Rs. this 'll work like SIP & 'll benefit u from current market volatility. After 3 years, review the performance of ur ULIP, if it is in line with average market performance, continue to hold IT.
Stop ur prem. pmt. after first mandatory 3 years prem. Against the ins. covered provided by this policy, take term plan as per ur over all financial liabilities. Invest the prem. difference in Eq. MFs & other instruments as per ur over all long term financial planning.
Thanks
Ashal ...
In reply to:
Aviva ULIP. Should I continue after 3 years or not?
Posted by :
Amit.tpf
I am investing 50,000 Per year in Aviva Ulip plan with dismal returns. Should I continue after 3 years of invest in HDFC fund instead?
Tracked by: 0 Boarder
Dear VVRK, The FMCs of HDFC r still lower than what others r charging. My study is underway. "ll reply u once i finalized any, as per ur & others requirement of tax free pension thru ULIP & not ULPP.
Till then happy investing investing.
thanks
Ashal...
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
Tracked by: 0 Boarder
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...
In reply to:
SIP (or) Timing the Market
Posted by : ashalanshu
Dear vvrk, Ur Ins. Agent had fooled u.
1. Premature Withdraw - In case of Premature withdraw of ULPP or Ordinary Pension Plans, The amount received \\`ll be added to ur income from all other sources in the FY of receipt & \\`ll be taxed accordingly.
2. Held till Maturity - If u hold ur ULPP or OPP till maturity, out of total accumulated corpus, u can withdraw only 1/3rd of it tax free, rest u can invest with the same ins. co. or any other which is offering higher return (read pensions) on this corpus for the same parameters. Pension received from pension plans is taxable. Also @ age 60, the cash commuted part (1/3rd of total corpus) is tax free at the time of receipt but wherever u invest it except Eq. & Eq. MFs, be it SCSS, POMIS, Bank FDs, Debt funds the income generated from such taxfree cash commuted part \\`ll also be taxable.
That\\`s why from Taxation angle, Pension Plans r not that much beneficial. So u should also think what i suggested in my prev. post.
Opt either whole life or till age 75 coverage type - 1 ULIP, with minimum possible sum assured. As the inter funds (Pure Eq. to balanced to Pure debt & vise versa) transfer is more Tax efficient in ULIPs, one can use this type of ULIPs as pension plans. After age 60, whenever u \\`ll withdraw a part from ur ULIP, it \\`ll be tax free & at the same time \\`ll be just like receiving a pension to u.
Thanks
Ashal
Tracked by: 0 Boarder
Dear NRE Investor,
The name of the book is
Value Averaging
-The Safe and Easy Strategy for Higher Investment Returns
By Michael E. Edleson
This could be the same book that you have?...
In reply to:
SIP (or) Timing the Market
Posted by : NRE Investor
Dear Raj (vvrk),
"I do have a book on Value Averaging by Michael Edleson. Mr. Edleson"
Would you be kind enough to let me know the name of book that you refer above.
Regards
NRE INVESGTOR
(New Boarder)
Tracked by: 1 Boarder
I think i have got some sense of options.. would it be possible to do the same thing with futures also.. so that the concepts can be clear.....
In reply to:
Understanding the ABC of Options trading
Posted by : MMB Messenger
Talks about option premiums, calls and puts can be extremely confusing for somebody who has no idea at all about all these things. Yogesh Chabria explains 'Options' in layman's language.
Tracked by: 0 Boarder
I am investing 50,000 Per year in Aviva Ulip plan with dismal returns. Should I continue after 3 years of invest in HDFC fund instead?...
More from the Personal Finance
Poll
 |
Popular Boarders 7days| 285 | |
| 236 | |
| 168 | |
| 163 | |
| 120 | |
Top Tracked 7days| 791 | |
| 705 | |
| 676 | |
| 369 | |
| 363 | |
Prolific Boarders 7days| 298 | |
| 232 | |
| 164 | |
| 132 | |