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kentmss
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Hi, Its Srikanth Matrubai here. I am 36 years old Certified Mutual Fund Advisor based in Bangalore. I am in the stock markets since 1991. After going through the stock market turbelance for more than 17 years, my conclusion is that the mutual funds are the best avenue for investments. Share Market is the best avenue for returns but here you need patience, experience and lots and lots of luck and also you should be ready to lose some money (at least in initial stages) and last, but not the least, you should have deep pockets.
So, my advice is for the First 3-5 years you are better off investing in Mutual Funds, where even a SIP of 100 is available. My favourites are Birla Sunlife Frontline Equity, DSPML World Gold, DSPML Natural Resources, DWS Tax Saving Fund, Fidelity Equity, HDFC Prudence, HDFC Top 200, JM Contra, Principal Personal Tax Saver, Reliance Growth, Reliance Vision, SBi Magnum Balanced, Sundaram Select Focus, Sundaram Rural, Templeton India Equity Income, .
But whatever your choice of fund is, Always consult a Good Mutual Fund Advisor or Boarders like Ranjan, Wadia,Ashalanshu,Pcspune and always always preferably invest via SIPs. I am not calling myself as an expert but I am a student of Mutual Funds here to share views and exchange ideas and make myself a Competent Mutual Fund Advisor.
For Direct Stock Investment, my Long Term Picks are GMR INFRA, FORTIS HEALTHCARE, KARNATAKA BANK, RELIANCE PETRO, SANDUR MANGANESE, SHREE RENUKA SUGARS AND WEBEL SL ENERGY.
As a Financial Advisor, my principal is "Do what is best for your client". If the client is happy, my business will grow in the long run.
You can also view my thoughts at my blog goodfundadvisor dot blogspot dot com
Best of luck
So, my advice is for the First 3-5 years you are better off investing in Mutual Funds, where even a SIP of 100 is available. My favourites are Birla Sunlife Frontline Equity, DSPML World Gold, DSPML Natural Resources, DWS Tax Saving Fund, Fidelity Equity, HDFC Prudence, HDFC Top 200, JM Contra, Principal Personal Tax Saver, Reliance Growth, Reliance Vision, SBi Magnum Balanced, Sundaram Select Focus, Sundaram Rural, Templeton India Equity Income, .
But whatever your choice of fund is, Always consult a Good Mutual Fund Advisor or Boarders like Ranjan, Wadia,Ashalanshu,Pcspune and always always preferably invest via SIPs. I am not calling myself as an expert but I am a student of Mutual Funds here to share views and exchange ideas and make myself a Competent Mutual Fund Advisor.
For Direct Stock Investment, my Long Term Picks are GMR INFRA, FORTIS HEALTHCARE, KARNATAKA BANK, RELIANCE PETRO, SANDUR MANGANESE, SHREE RENUKA SUGARS AND WEBEL SL ENERGY.
As a Financial Advisor, my principal is "Do what is best for your client". If the client is happy, my business will grow in the long run.
You can also view my thoughts at my blog goodfundadvisor dot blogspot dot com
Best of luck
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06 Sep 2008 20:25
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06 Sep 2008 20:22
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dear babani,
I am sorry to say this, but the funds selected by your agent are not going to give you very high returns. Both the funds are Sector Funds and may be bogged down by Bearishness in that Particular Sector.
They already had great run in the past and repeatation of the same is not expected. Both the Power and Infrastructure Sectors have been hit by Interest Rate hikes and Raw Material Shortages. You are better off investing in Diversified Equity Funds as already suggested to you earlier.
Best of luck,
Srikanth Shankar Matrubai.
...
I am sorry to say this, but the funds selected by your agent are not going to give you very high returns. Both the funds are Sector Funds and may be bogged down by Bearishness in that Particular Sector.
They already had great run in the past and repeatation of the same is not expected. Both the Power and Infrastructure Sectors have been hit by Interest Rate hikes and Raw Material Shortages. You are better off investing in Diversified Equity Funds as already suggested to you earlier.
Best of luck,
Srikanth Shankar Matrubai.
...
05 Sep 2008 22:43
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Sorry, I forgot to add the funds you should consider investing.
Birla Sunlife Equity Fund
DWS Opportunities Fund
JM Contra Fund
ICICI Dynamic fund
Lotus India Agile Fund
Mirae Asset India Opportunities fund
Reliance natural Resources Fund
sundaram Rural India Fund
these are all Aggressive Funds and should suit your risk profile. Do review your investment every 6 months or so.
Best of luck,
Srikanth...
Birla Sunlife Equity Fund
DWS Opportunities Fund
JM Contra Fund
ICICI Dynamic fund
Lotus India Agile Fund
Mirae Asset India Opportunities fund
Reliance natural Resources Fund
sundaram Rural India Fund
these are all Aggressive Funds and should suit your risk profile. Do review your investment every 6 months or so.
Best of luck,
Srikanth...
05 Sep 2008 22:37
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Dear Vipinenator, you seem to be very aggresive investor, going by the query you have posted, here and in other posts.
To get 2,00,000 in 8 years, through sip investment at 21% rate of return, you need to invest 877 per month. And at a reasonable 18%, rate of return, you need to invest 993 per month.
Of course, if your investment is lumpsum, then the arthimatic changes dramatically.
To get the same 2,00,000 after 8 years, at 18% returns, you need to invest in a lumpsum a amount of Rs.53208!!!
Even assuming a return of 21%, you need to invest Rs.43526 as a lumpsum.
so, it is always advantageous to go for sip.
BEst of luck,
Srikanth shankar matrubai...
To get 2,00,000 in 8 years, through sip investment at 21% rate of return, you need to invest 877 per month. And at a reasonable 18%, rate of return, you need to invest 993 per month.
Of course, if your investment is lumpsum, then the arthimatic changes dramatically.
To get the same 2,00,000 after 8 years, at 18% returns, you need to invest in a lumpsum a amount of Rs.53208!!!
Even assuming a return of 21%, you need to invest Rs.43526 as a lumpsum.
so, it is always advantageous to go for sip.
BEst of luck,
Srikanth shankar matrubai...
05 Sep 2008 22:28
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Dear Babani,
At 38 years, and 3 year time horizon, your risk profile is minimal, you are better off investing in Large Cap Funds and Diversified Equity funds. Instead of investing 10000 in Personal Tax Saver, you could have invested in Large Cap Fund. Instead in Tax Funds only to save your Tax Liability.
Also, you are better off investing through SIPs instead of lumpsum. SIPs are easy on pocket and also serve you better. Even of sip of 100 is available in Reliance and Lotus Mutual funds.
For your 30000, you can consider investing in
Birla sunlife Frontline Equity Fund
DSPML Top 100 fund
Fidelity Equity Fund
HDFC Prudence Fund
HDFC Top 200 fund
Sundaram Select Focus Fund
I have given 6 funds, invest 5000 equally in them. Route all your future investments in these funds only. Have a focussed portfolio and do not become a "Fund collector".
Also, Ashport has , as usual, given good advise. Follow him. You will make good money.
Preferably, invest through sips.
Best of luck,
Srikanth Shankar Matrubai
...
At 38 years, and 3 year time horizon, your risk profile is minimal, you are better off investing in Large Cap Funds and Diversified Equity funds. Instead of investing 10000 in Personal Tax Saver, you could have invested in Large Cap Fund. Instead in Tax Funds only to save your Tax Liability.
Also, you are better off investing through SIPs instead of lumpsum. SIPs are easy on pocket and also serve you better. Even of sip of 100 is available in Reliance and Lotus Mutual funds.
For your 30000, you can consider investing in
Birla sunlife Frontline Equity Fund
DSPML Top 100 fund
Fidelity Equity Fund
HDFC Prudence Fund
HDFC Top 200 fund
Sundaram Select Focus Fund
I have given 6 funds, invest 5000 equally in them. Route all your future investments in these funds only. Have a focussed portfolio and do not become a "Fund collector".
Also, Ashport has , as usual, given good advise. Follow him. You will make good money.
Preferably, invest through sips.
Best of luck,
Srikanth Shankar Matrubai
...
05 Sep 2008 22:15
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Dear Guest,
Your choice of Sundaram Tax Saver Fund is a very good one. But investing all your investment amount in One Fund or One Fund House is not such a wise move. Besides Sundaram, you should also look at other Good funds. Some of them are
Birla sunlife Tax Relief 96 Fund
DSPML Tax Saver Fund
DWS Tax Saving fund
Fidelity Tax Advantage Fund
HDFC Tax Saver Fund
Lotus India Tax Plan
Principal Personal Tax Saver Fund
If you add, Sundaram Tax Saver Fund, totally there would be 8 funds. You can invest 1500pm in sundaram and 500pm in the other 7 funds.
Review your investment after 2 years.
Best of luck,
Srikanth shankar Matrubai...
Your choice of Sundaram Tax Saver Fund is a very good one. But investing all your investment amount in One Fund or One Fund House is not such a wise move. Besides Sundaram, you should also look at other Good funds. Some of them are
Birla sunlife Tax Relief 96 Fund
DSPML Tax Saver Fund
DWS Tax Saving fund
Fidelity Tax Advantage Fund
HDFC Tax Saver Fund
Lotus India Tax Plan
Principal Personal Tax Saver Fund
If you add, Sundaram Tax Saver Fund, totally there would be 8 funds. You can invest 1500pm in sundaram and 500pm in the other 7 funds.
Review your investment after 2 years.
Best of luck,
Srikanth shankar Matrubai...
05 Sep 2008 22:10
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Dear Guest,
For your age and time horizon, 100% equity exposure is warranted. Your risk profile also helps in the matter. With these consideration, I would recommend the following
1000 * 1 in Birla sunlife Equity fund (1000)
1000 * 1 in DWS Investment Opportunity Fund (1000)
500 * 1 in Fidelity International Opportunities fund (500)
500 * 1 in JM contra Fund (500)
500 * 1 in Lotus India Tax Plan (500)
250 * 2 in Relinace Growth fund (500)
250 * 2 in Reliance Natural Resources Fund (500)
500 * 1 in sundaram Select Focus Fund (500)
Take adequate Term Insurance for your security. You can invest your 20000 lumpsum in Debt Fund and go for an STP into a Large Cap Fund.
Best of luck,
Srikanth Shankar Matrubai...
For your age and time horizon, 100% equity exposure is warranted. Your risk profile also helps in the matter. With these consideration, I would recommend the following
1000 * 1 in Birla sunlife Equity fund (1000)
1000 * 1 in DWS Investment Opportunity Fund (1000)
500 * 1 in Fidelity International Opportunities fund (500)
500 * 1 in JM contra Fund (500)
500 * 1 in Lotus India Tax Plan (500)
250 * 2 in Relinace Growth fund (500)
250 * 2 in Reliance Natural Resources Fund (500)
500 * 1 in sundaram Select Focus Fund (500)
Take adequate Term Insurance for your security. You can invest your 20000 lumpsum in Debt Fund and go for an STP into a Large Cap Fund.
Best of luck,
Srikanth Shankar Matrubai...
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