MF Investment plan through SIP: Short-listed funds

[mfnovice]

Hi,
I am planning to invest in mutual funds through SIP. I want to invest in equity diversified funds (mix of low risk to avg risk leaning more towards low risk) targetting a return of around 20% in 3 years. Following are the short-listed funds. Please give your comments if this is a good selection:-

IDFC Premier Equity Plan A - Rs 6000 per month
HDFC Top 200 - Rs 4000 per month
DSPBR Equity - Rs 4000 per month
Reliance Regular Savings Equity - Rs 5000 per month
A Gold ETF - Rs 1000 per month

Thanks in advance for your suggestions!

 

[mfnovice]

Hello experienced members,

Please give your valuable comments!

 

[yogesh-tiwari]

Hi,

Good portfolio.

If were you, I ll just exclude Reliance Regular Savings Equity. Increase your gold exposure to 2000. Re-balance left over money..Rest your portfolio is very good.

Best of luck..I hope you know when to exit too...cause most of the times..all we do is SIP and then forget it.

And by the time after 5-10yrs...all we make is average return almost similar to index.

So keep vigil..exit on time..move to different fund..Keep asset allocation in mind. Thats it..make lot more than index and live happily ever after

Regards
Yogesh Tiwari

 

[praveen taneja]

Hi,
I am planning to invest in mutual funds through SIP. I want to invest in equity diversified funds (mix of low risk to avg risk leaning more towards low risk) targetting a return of around 20% in 3 years. Following are the short-listed funds. Please give your comments if this is a good selection:-

IDFC Premier Equity Plan A - Rs 6000 per month
HDFC Top 200 - Rs 4000 per month
DSPBR Equity - Rs 4000 per month
Reliance Regular Savings Equity - Rs 5000 per month
A Gold ETF - Rs 1000 per month

Thanks in advance for your suggestions!

Wow really good portfolio but do me a favour:thumb:
when u apply instead of direct fill ARN-53563
so it wont effect u but i will get trail on ur investment:clap:
choice still urs god bless u

 

[mfnovice]

Hello Yogesh sir,

Thanks for your reply.

Please let me know the reasoning behind why to exclude Reliance Regular Savings Equity.

Also I am newbie so do not know about exit criteria. Any suggestions will be very useful for me.

Can you also share any guidelines for asset allocation?

Thanks a ton!

 

[mfnovice]

Hi Praveen ji,

Sorry I am newbie so did not understand what u meant by "when u apply instead of direct fill ARN-53563". Please clarify.

Thanks!

 

[mfnovice]

Also I have few lakh rupees. Some of the fund houses that I have selected do not seem to have good liquid funds. Otherwise I was thinking investing in liquid fund and then doing stp to equity funds. Rather than that, how about if I do FDs for a year each. Is their lot of difference between liquid funds and FD?

 

[praveen taneja]

Hi Praveen ji,

Sorry I am newbie so did not understand what u meant by "when u apply instead of direct fill ARN-53563". Please clarify.

Thanks!

Also I have few lakh rupees. Some of the fund houses that I have selected do not seem to have good liquid funds. Otherwise I was thinking investing in liquid fund and then doing stp to equity funds. Rather than that, how about if I do FDs for a year each. Is their lot of difference between liquid funds and FD?

Bro when u apply in any MF there is a column which is filled by u as direct or Broker code:thumb:
That is my Amfi registration Number
If u put that no i would get trail that is .35Rs per hundred per year for the period u stay invested
even if u let it direct then too not much different as no entry load in it now and exit load remain same
Now on liquid funds mostly give around 10-12% return but the return is fully with u n added in ur income but in FD huge tax when mature and in Liquid fund u have option of exiting earlier but in FD if u exit no interest
Hope it can make u clear
best is SBI magnum liquid fund
if u wwant balance then u have that option too 0-70% equity mkt and 0-30%money mkt or vice versa all depend on fund managers choice

 

[yogesh-tiwari]

Hello Yogesh sir,

Thanks for your reply.

Please let me know the reasoning behind why to exclude Reliance Regular Savings Equity.

Also I am newbie so do not know about exit criteria. Any suggestions will be very useful for me.

Can you also share any guidelines for asset allocation?

Thanks a ton!

There are a few reasons why I wont invest in this fund.

*High cash on sidelines
*High exposure to mid/small cap
*High beta--means higher risk
*Reason why it performed recently was just because of its exposure to mid/small caps that recently had a boom..but such boom dont last very long(I m talking about mid/small caps)

For long run, it wont yield returns that you may expect...many other funds offer better returns.

Keep a target, say x%, once that is achieved exit. Dont be greedy. MF are just like shares..just managed differently. I m in a bit hurry..I ll tell sometime later..how to know its right time to exit a MF.

Asset allocation...always keep your portfolio balanced, so that unseen market turbulence doesnt put you in heavy losses.

Also, Liquid funds never-ever yield 10-12%....they barely give 6-7%...They are only invested into when you dont want to put money in bank and still want ready cash but with slightly higher return.

Lastly, DONT just put anybody's id in the MF form..when you are doing all the hard work to get the details and create a porfolio..why should anyone else get the token of commision..if you keep it DIRECT..MFs give additional services..otherwise you 'd be dependent on the advisor.

Regards
Yogesh Tiwari

 

[praveen taneja]

There are a few reasons why I wont invest in this fund.

*High cash on sidelines
*High exposure to mid/small cap
*High beta--means higher risk
*Reason why it performed recently was just because of its exposure to mid/small caps that recently had a boom..but such boom dont last very long(I m talking about mid/small caps)

For long run, it wont yield returns that you may expect...many other funds offer better returns.

Keep a target, say x%, once that is achieved exit. Dont be greedy. MF are just like shares..just managed differently. I m in a bit hurry..I ll tell sometime later..how to know its right time to exit a MF.

Asset allocation...always keep your portfolio balanced, so that unseen market turbulence doesnt put you in heavy losses.

Also, Liquid funds never-ever yield 10-12%....they barely give 6-7%...They are only invested into when you dont want to put money in bank and still want ready cash but with slightly higher return.

Lastly, DONT just put anybody's id in the MF form..when you are doing all the hard work to get the details and create a porfolio..why should anyone else get the token of commision..if you keep it DIRECT..MFs give additional services..otherwise you 'd be dependent on the advisor.

Regards
Yogesh Tiwari

Bro I think u know much about MF but do not know about AMC advisor's role end when u deposit a form
after that AMC is responsible for all services like sending statement and informing u when SIP ending etc
Now on additional service do u think they give more profit or return to direct customers
Nothing will ever change u allply direct or through online or any brokerage firm or bank
Now on Liquid funds pls check on moneycontrol.com and other sites are really they only giving 6-7%?????
FD is only for senior citizen who dont have risk appetite and only want safe return of 8-9-10% watever the case may be
Pls dont think i m replying bcoz u ask him to dont put my id
I requested bcoz I know that it does not make any effect
have a nice day god bless us all