Reasons Why You Should Not yet Give up on Reliance Tax Saver Fund

Reliance Tax Saver Fund has been losing its ratings in recent years and the majority of the investors are concerned regarding the continuation of SIPs. A severe underperformance has been witnessed in the last 2-3 years for tax saving scheme of Reliance Mutual Fund. Although, redemption at the current level is not a clever choice and informed investors can handle the situation in a better way. Experts at MySIPonline have analysed the situation along with all the possible choices for the investors.

About the Scheme

Reliance Tax Saver Fund is an aggressive scheme in the ELSS category which aims to deliver higher capital appreciation to the investors in the long term. The fund allows tax deductions under section 80C and the investors can reduce the tax liability by up to Rs 46,800 every financial year by investing in Reliance Tax Saver Fund Growth. The fund manager Mr Ashwani Kumar uses aggressive investment strategy by allocating a higher proportion of the corpus in the mid and small-cap stocks. Among the ELSS category, it has the highest allocation in the mid and small-cap segment. In the last few years, the investment strategy hasn’t been much productive for the scheme and many investors have been moving out of the scheme following the downgrade in the ratings. Investors must consider the following factors before making any decision regarding investments.

1. Market Has Been UnfriendlyIn recent years, the mid and small-cap stocks have been unable to perform well and deliver the desired outputs. The market conditions have not been favouring the mid and small cap industries. This effect can be directly seen on the performance of Reliance Tax Saver Fund in which more than 40% of the corpus is invested in mid and small cap stocks. 
2. It has a Long Term OutlookReliance Tax Saver Fund aims for greater capital appreciation in the long tenure of more than 7 years and investments must be done for the long term. The short term volatility should not be considered while making investments in the fund. It has an aggressive portfolio and can be volatile in the short term. 
3. It has the Highest Return Generating AbilitiesDue to higher allocation in the mid and small-cap stocks, the fund has the ability to deliver the highest gains in the category if the market conditions are friendly for the small and mid-cap stocks.
4. Lower Expense RatioReliance Tax Saver Fund charges a lesser expense ratio than most of the schemes in the ELSS Category. 
5. Superior Track RecordReliance Tax Saver Fund has beaten peers as well as benchmark in the long term and has been chosen by a large number of investors. It has a gigantic AUM and has performed well under favourable market conditions. 

Advice for the Investors

Reliance Tax Saver Fund is suffering from prolonged negative market conditions and redemption at current levels must be avoided. Those investors who cannot take a higher risk can stop their SIPs and wait for the lock-in period to complete while for the adventurous investors, it can be an ideal tax saving scheme.

Reliance Tax Saver Fund is currently not performing well but has the ability to generate the highest returns in the category. To know more about the scheme or to clear any query regarding investments in mutual funds, connect with the financial experts at MySIPonline. 

HDFC SIP Calculator: A must Use Tool Before Investing in HDFC MF

Mutual funds have the ability to deliver the best capital gains in the long term compare to any other investment avenue. But it is a perplexing task to calculate the capital gains on the invested amount as the returns are not fixed and cannot be calculated using an ordinary calculator. To ease out the calculations involved in SIP and lump sum investments particularly for the schemes of HDFC Mutual Fund, the experts at MySIPonline have developed a user-friendly tool named HDFC SIP Calculator which can be a blessing for the potential investors as well as those who are already invested in HDFC Mutual Fund. Read to know how to use the HDFC SIP return calculator along with the advantages of this convenient tool.

How to Use HDFC SIP Calculator?
The calculator is easy to use and can be operated by any layman having little or no knowledge of finance and mutual funds. Follow these simple steps to simply the investments.

Step 1: Select the Scheme
The HDFC SIP Calculator has a list of all the schemes provided by HDFC Mutual Fund and the historical data of each scheme has been recorded. The investor needs to select the scheme in which he/she is planning to invest or already invested.

Step 2: Enter the Amount 
The next step is to enter the amount that you had invested in the selected scheme. For the SIP investment one needs to enter the monthly amount while for the lump sum calculation, the one-time amount needs to be entered.

Step 3: Select Start and End Date
The start date is the date from which the first investment was done in the selected scheme. For HDFC SIP calculator, the calculations will be done according to the NAV of that same day for every month whereas, for HDFC lumpsum calculator, the calculations will be done on the basis of change in the NAV between the start date and end date.

After entering the above-mentioned details, you can simply click on the calculate button to get the idea of the invested amount, investment value at on date, and the overall capital appreciation along with the percentage gains.

Benefits of Using the HDFC SIP Calculator

• By using the calculator, one can ease out the investment planning for the SIP as well as lump sum investment. 
• This user-friendly tool can give a clearer perspective of the returns that can be gained in the future on account of the performance of the scheme in the past. 
• If an investor is dicey regarding investment in any of the schemes of HDFC Mutual Fund, this calculator can help them select the better scheme to achieve their financial objective. 
• Those who have already invested in the schemes of HDFC MF in the past can also use this calculator to check the details of their wealth gain. 
• HDFC SIP Calculator gives precise details of the investments without any error margin. 
• It can save a lot of time and effort for the layman investor. 

Investors must note that the HDFC SIP Calculator works on the basis of recorded data of the historic performance by schemes of HDFC Mutual Fund. It is not necessary that similar returns will be delivered in the future. For any queries or any assistance regarding investments in mutual funds, you can reach out to our experts anytime free of cost.

What Benefits Do I Get by Investing in Reliance Pharma Fund?

The pharma industry in India is at an all-time rise. The continuously depleting living standards have forced the major pharmaceutical companies to evolve new and improved medical facilities, including pills and other vaccination for emerging diseases. This has led to a demand of more funds from the market, as new research come at a price tag of billions of dollars.

Considering the present scenario, it may be the right time to invest in the pharma industry. Reliance Pharma Fund is one of the most convenient way to build connections with the pharma industry. It is a sector-driven fund that primarily invests in the top pharma companies, thus leveraging on this growing sector of the economy.

The Basic Investment Details
Starting a fresh investment in Reliance Pharma Fund (G) is quite easy, provided you are doing it through MySIPonline. This online portal provides a convenient and hassle-free platform to make best investments in mutual funds at no extra cost. Also, there are online tools such as the SIP Calculator and the Tax Planning Calculator that further improves your financial planning by making it more realistic.

You can start an investment in Reliance Pharma Fund – Regular Plan (G) through an SIP investment plan at just ₹500 a month. This amount can be even raised later depending upon your spending capacity. And, if anything goes wrong, you’d have the liberty to stop your investments immediately.

The NAV of Reliance Pharma Fund (Growth) as recorded on 29th May 2019 was ₹144.75. This is a decent price for a fund of this stature, and considering the market factors is expected to rise in the near future. Hence, it is advised that you may book an investment in this fund as soon as possible for taking the advantage of this low price.

The Fund Expenditure and Management
The fund management is a crucial task. It is important for an AMC to ensure that qualified and experienced personnel are in charge of the funds, and are capable of looking after it under any and all circumstances. There are a couple of parameters to judge the fund management, such as expense ratio and the portfolio construction. Let us see how these two factors are held up in Reliance Pharma Fund (G): -

• Expense Ratio
This ratio denotes the average expenditure incurred on the management of the fund. Normally, it would stay within the range of 2-2.5%, and in very rare case would it soar up to 3% and beyond. At Reliance Pharma Fund, this value stays at 2.21%, which is a commendable measure for any sector-oriented fund.

• Portfolio Construction
The portfolio construction is yet another attraction of Reliance Pharma Fund. Since a sector-oriented fund dwells more volatility than other funds, the fund managers have designed a unique investment policy to retain average risk levels. There is a good number of different stocks present in the portfolio, which includes giant & large cap stocks (65.47%), midcap stocks (25.98%), and small cap stocks (8.55%). The large caps provide stability, while the small and midcap stocks are there to energise the wealth creation process. These different stocks work in tandem, thus creating a powerhouse of wealth creation and stability.

The Past Performance

The first thing that probably many investors notice is the past performance of a fund. Reliance Pharma Fund (Growth) has given some really interesting outputs in the last few years. With an average yield of 19.52%, this fund stands at no. 1 spot in the category of sector-oriented mutual funds

Reliance Pharma Fund is an excellent option to capture the advantage of the growing pharma industry. Buy an SIP plan for this fund at MySIPonline and start building your future. 

Which Type of Debt Fund will Suit Your Profile?

Companies run on investors’ money. They issue different types of securities, engage in various public offers to raise money from the masses. This can be cited as a “borrowing and lending “situation, where the issuing companies are the debtors and the public is the creditor. In return for the credit allowed, the public (or the contributors) are paid a steady and regular sum. This is the working philosophy of Debt Funds. If you buy a stake in a top-performing Debt Mutual Fund, you’re actually helping the borrowing company to raise more funds to finance its future operations.

The Types of Debt Funds and Who Should Invest in them

Debt Funds are available in plenty different versions in India. These funds dwell different properties on the basis of which you could select the best for yourself. The easiest and most convenient way to invest in any mutual fund online is through MySIPonline. This website hosts a horde of options, and you can choose the best fit for yourself in no time. Let us now learn about the types of Debt Mutual Funds that are available in the market: -

• Dynamic Bond Funds : True to its name, a dynamic bond fund holds a dynamic nature since its portfolio is subject to frequent changes, which is triggered by a change in the market interest rates. Also, these funds do not have a fixed maturity period, since they invest in instruments having different shelf lives. Since they tend to be more fluctuating, you should be comfortable with an uncertain pay to invest in them. 
• Income Funds : The working philosophy followed by income funds is more or less same as that followed by dynamic funds. Income funds take a call on interest rates and park its funds in debt securities having different shelf lives. However, most income funds tend to buy larger stakes in those debt securities that enjoy longer maturity period. Hence, these funds are a safer haven than dynamic funds, and you could choose this fund if you desire steadiness in income. 
• Liquid Funds : Liquid funds are an excellent alternative resorts to bank and post office accounts. They serve far better returns than these conventional methods, and have rarely produced unsatisfactory returns. They are short-lived investments, hence are perfect for those who are looking forward to make short-term investments. Also, there’s a flexibility to redeem your funds upon your will, as no exit load is charged on redemption. 
• Short-Term and Ultra Short-Term Funds : These funds invest in securities having maturities in the range of 1-3 years. They are an ideal option for conservative investors who do not like being exposed to high risks and desire steady returns.  
• Guilt Funds : Guilt funds are the safest debt funds available in the market. This is because they only invest in government owned securities that have least credit risk, and also government seldom defaults in repaying its debt. Hence, these funds are perfect fit for those kind of investors who’d like to enjoy steady returns with bare minimum risk. 
• Credit Opportunities Funds : Unlike other debt funds, credit opportunities fund do not make investments on the basis of maturity period. Instead, they try to earn high returns by pinning a call on high credit risk options or investing in low-rated bonds that dwell high interest rates. As a result, these funds tend to be riskier than other debt options. 

So, if you have a big appetite for risk, you can proceed with a credit opportunities fund.
If you are looking forward to make a safe investment that pays regularly, then you just select the best performing Debt Funds to achieve your goals. Pick from the various debt options available at MySIPonline and start investing promptly. 

Reliance Growth Fund: Is it a Good Choice to Invest Now?

Monsoon came early for the Finance Market and the showers of returns have given a sigh of relief to the Indian investors. With NIFTY & SENSEX looking in no mood for a hault, investors have started utilizing the bullish trend to fill their appetite. Investors are concentrating largely on the midcap funds to surge exceptional gains in future and Reliance Growth Fund has become the centre of attraction. But as per the past performance of the scheme, some investors are still in a dilemma whether to opt for this scheme or not. The write-up is drafted to put an end to their confusion.

Reliance Growth Fund: Factsheet

Reliance Growth Fund is a midcap scheme that was introduced in the mutual fund market to provide long term growth to the investors money by diversifying the assets in the midcap stocks of the companies having good scope in the future. The fund makes the investment largely in the equities followed by debt and money market instruments.

Is it the Right Time to Invest in Reliance Growth Fund?

Two Gems Added: Reliance Growth Fund (G) is now stronger then ever before. The fund which was earlier managed by Mr. Manish Gunwani has now two more gems added to it- Mr. Dhrumil Shah and Mr. Tejas Sheth. After the joining of the two assets in 2019, the mid cap fund has started achieving remarkable growth.   

Bullish Market Rally: Positive sentiments predicted by the financial experts about the Lok Sabha Election has proved to be right with NIFTY and SENSEX reaching all time highs. The bullish trend is expected to continue as there are no major economical issues currently faced by the country. This is again a good news for the investors who are in a dilemma whether to invest in Reliance Growth Fund or not.

Current Portfolio Allocation: Following the growth style of investment, the midcap fund of Reliance MF has invested the accumulated assets in the large number of sectors with financial sector leading them all. The sector is now surging high gains which clearly reflects that parking money in this sector was a good move by the fund managers. Other sectors holding significant portion of assets include healthcare, services, construction, engineering, FMCG, automobile, etc.

Past Performance: Thomas Alva Edison (inventor of light bulb) failed 1000 times before achieving success. In simple terms, poor performance of a fund doesn’t guarantee its fate and the same is the case with Reliance Growth Fund. Although, the scheme got beaten by the benchmark many a times but since every cloud has a silver lining, in the same way this multicap fund is again back on track and have started beating the benchmark by a huge margin.

Above were some of the points that were complied to make the investors believe that Reliance Growth Fund growth plan is one of the best investment as per the current market conditions. Therefore, an investor should start the SIP plan in this midcap fund and enjoy healthy gains in the future. For any further information, you can reach to the experts of MySIPonline at- www.mysiponline.com or call us at- 9660032889.

How Can the Tax Calculator Help You to Organise Your Tax Bill?

Tax planning is an inevitable part of our lives. Every year, people spend almost a fortune in arranging for a tax consultant in the hope to find the best solution for their tax problems. While this age-old method does provide positive results, it indeed comes with a heavy price tag. So, can there be a better and cheaper solution?

The answer is yes, and you can do this by using the online Tax Calculator. It is an online gadget that will help you in doing the best assessment of your tax issues, and help you save big on your tax fees. You can find this tool online for free at MySIPonline – the best online portal for mutual fund investments.

Income Tax – Who is Liable?

India is a home to more than a billion souls, yet the number of taxpayers is surprisingly low. This is because the majority of the population doesn’t fall within the minimum threshold of paying taxes, as a result of the relaxation allowed by the government. A person of an age not exceeding 60 years is not liable to pay any taxes if his annual income doesn’t exceed ₹2,50,000. Any income earned beyond this threshold will be liable to tax as per the prevailing slab rates. However, if the assessee (or the taxpayer) is a company, there are no such thresholds. They ought to pay taxes on the entire income.

How Much Do You Owe to the Government?

Using the online Tax Calculator can provide best and accurate results only when you disclose your income properly. While there are certain exemptions available that do not fall within the tax bracket, most of the sources of income fall within the ambit of tax. For instance, a person might have different sources of income such as rental income, salary, interest on fixed deposits, and dividend on investments etc. These incomes, for the sake of correct measurement of the tax liability, ought to be included in the computation. However, there are certain incomes such as the lottery winnings, which do not form part of the general income and are taxed separately irrespective of the threshold of ₹2,50,000.

What Benefits does the Tax Calculator Provide?

Using the Tax Return Calculator has a horde of benefits attached to it. This online tool is a superior alternative to the orthodox system of tax planning which otherwise involved hiring a tax consultant. Here are some of the benefits that you can savour while using this awesome online tool for your tax related issues: -

• No Cost Consultant : Unlike the fancy tax consultants, the Tax Planning Calculator doesn’t ask for any fees in consideration for its services. Using this tool is simple and straightforward, and you can run tons of calculations with different combinations to satisfy your tax needs.
• Marvellous Accuracy : No matter how good a person might be with numbers, there’s always some margin of error in his calculation. But that’s not the case with the Tax Planner. This tool is devised by experts and coding wizards, who have used powerful algorithms to ensure accurate calculations. Hence, you can stay carefree about your tax planning and proceed with confidence for your future endeavours.
• Available Anytime, Anywhere : Using the online Tax Calculator is as easy as playing a video game. All you need to do is give it some data about your tax issues and boom! Your results will be served hot and fresh. You can find this tool for free at MySIPonline, and can literally run the tax scan anytime, anywhere.

So, if you’ve had major concerns regarding your tax issues, then it’s time to shrug them off by using the Tax Calculator. Log on to MySIPonline today, and start planning for a more organised tax payment.

SIP Calculator; You’ll be Shocked to See What You can Earn in 20 Years

You might be familiar with the popularity that Systematic Investment Plan (SIP) is gaining in recent times. But do you really know what can be gained from mutual funds SIP in the long term? The experts at MySIPonline have designed a simple tool named SIP Calculator which can allow you to know what can be gained from mutual funds in the long term. Use this tool once before making an investment plan to check the possible gains from mutual funds SIP. Those who do not wish to invest in mutual funds can also check out what they will miss in the long term as the SIP calculator is free of cost.

The Need for SIP Calculator
Systematic Investment Plan is the most efficient investment mode in a mutual fund as it allows investors to build a gigantic corpus with small investments made at a periodic interval. However, when the calculations are concerned, it can be quite confusing as the units allotted for each investment are different depending on the NAV of the mutual fund. Every small investment is compounded along with the previously held assets, hence it is quite perplexing to calculate the capital gains one can earn in the long term from mutual funds. To achieve a financial objective in the long term, it is essential to know what amount needs to be deposited monthly at an expected interest rate.

The Returns are Realistic
It might sound impossible if someone would say you can become a ‘crorepati’ by investing a small amount from your salary every month in the suitable mutual fund. It is actually possible with SIP and the target can be achieved in multiple ways. Using the Mutual Fund Calculator investors can find out the amount required to reach their target at different rate of returns. Investors must note that the calculations are done using the complex mathematical formula of continuous compounding on the basis of data inserted by the user.

How To Use It?
The use of this astounding tool is a walk in the park. A layman with no financial background can take advantage of this user-friendly tool. Investors only need to enter the monthly amount, time horizon and the expected rate of returns to know the details of the expected amount along with the wealth gain. The data can be revamped multiple times to get the most suitable pattern of tenure and return rate. A mutual fund scheme can later be selected if it has the ability to provide the expected gains.

What You Should Know to Use SIP Calculator?
Using the SIP calculator, one can plan according to the personal risk appetite. Conservative investors can select lower expected returns as the low-risk schemes provide lesser gains while aggressive investors can select higher return rate but the tenure of investment must be long enough to overcome volatility. Users must select realistic data to make better use of the tool.

The image shows how the wealth gain of 1 crore can be achieved using the SIP calculator.

SIP Calculator is an incredible tool which has allowed thousands of investors to plan their SIP investment. For the same reason, it is also called as SIP Planner. If you are facing any difficulty or have any query regarding investment in mutual funds, the experts at MySIPonline are on their toes to assist the investors.

Aditya Birla Sun Life Equity Hybrid ‘95 Fund: An Overview

Remember the time when teacher used to tell us to maintain a balance between academic life and extracurricular activities, doctors always suggest us to take a balanced diet for proper nutrition, we as humans always try to maintain a balance between our social and personal life. We do so, because balance is directly proportional to the productivity of ourselves in all aspects. But, why we often forget to choose a mutual fund that keeps a balance between asset classes.

Not anymore, as aggressive hybrid funds diversify the assets in a combination of debt and equities with a mandate exposure of 65%-80% in the equity market. And, the best mutual fund among all is Aditya Birla Sun Life Equity Hybrid ‘95 Fund.

Fund Details:

Investment Style: 
Being an aggressive fund, Aditya Birla Sun Life Equity Hybrid ‘95 Fund invests in a combination of equity and debt instruments. In the equity market, the scheme follows a growth-oriented investment style and ploughs the money predominantly in the large cap companies. Moreover, in case of debt instruments, the aggressive hybrid fund picks high credit quality instruments having medium interest rate sensitivity. Below is the detailed portfolio analysis of Aditya Birla Sun Life Equity Hybrid ‘95 Fund.

Allocation of Assets:
The aggressive hybrid fund of ABSL invests 75.61% of the assets in the stocks of different market caps and the remaining 24.1% is allocated to the debt instruments. This distribution of the assets has helped the scheme in utilizing the benefits of equities and debt instruments. Thus, this scheme is a perfect choice for the candidates who want to enjoy healthy returns of equities and stability of debt instruments.

Allocation of Sector: The financial sector like any other scheme of ABSL, occupies the largest percentage of allocation, i.e, 26.79%, followed by other sectors like, FMCG (7.13%), technology (6.82%), healthcare (6.47%), construction (5.98%), energy (5.84%), etc.

Aditya Birla Sun Life Equity Hybrid ‘95 Fund: Promising Track Record

Th previous track record of the scheme has been very promising. The 5,7, and 10-year annualized returns of this aggressive fund are 13.68%, 13.88%, 16.12%, respectively. The figures indicates the trust that this scheme has payback to its investors in terms of returns. Also, according to the financial experts of MySIPonline, if positive sentiments continue to persist in the finance market, then this scheme has all the capabilities to provide even more attractive returns. 

Who Should Invest in Aditya Birla Sun Life Equity Hybrid ‘95 Fund?

Investors With Moderately High Risk Appetite- The scheme has more than 65% of assets invested in the equities which makes it more prone to risk. Although the fund managers are capable enough to implement the best investment strategy but uncertainty in the market can land your money to risk anytime. Furthermore, never forget to maintain a long-term investment prospective while investing in this aggressive hybrid scheme of ABSL.

Reading so far, you must have understood that there is no aggressive hybrid fund better than Aditya Birla Sun Life Equity Hybrid ‘95 Fund. However, if you still need any further suggestions regarding the mutual fund market, then feel free to contact our financial experts at- www.mysiponline.com, you can also download our Android mobile app for further assistance.

Tata Hybrid Equity Fund is Lagging Behind the Peers. Should You Worry?

Because of its glorious past, Tata Hybrid Equity Fund has a separate fan base. Thousands of successful investors have enjoyed the consistent returns it has delivered since inception in 1995. However, few investors are doubtful to continue their investment in Tata Hybrid Equity Fund as it has been unable to perform well in the market conditions of the last few years. Recently, the fund climbed back by a slight margin but investors are still dicey to invest further. The experts at MySIPonline have taken a deeper look into this situation to assist the investors in making a better decision regarding investment in Tata Hybrid Equity Fund.

What is Tata Hybrid Equity Fund?
Before making any decision concerning the fund it is essential to know the details of the mutual fund. Tata Hybrid Equity Fund is an aggressive hybrid mutual fund or equity-oriented hybrid fund. It was previously by the name of Tata Balanced Fund. It generally maintains a ratio of 75:25 between equity and debt allocation respectively which can also be extended to 70:30 under certain conditions. The portfolio of the fund mostly comprises of large-cap stocks from various sectors. The debt securities are of high credit ratings and aim to control the volatility of the fund.

Why is it Unable to Perform?
Tata Hybrid Equity Fund used to be a top performer in the category, but for the last few years it has lost its ratings due to the underperformance of the selected stocks. The fund previously had a lesser allocation in the financial sector and relied more on the undervalued stocks. Growth At Reasonable Price (GARP) is the stock selection strategy of the fund which allowed the fund to gain high returns in the past but didn’t seem beneficial in the last few years. However, in recent trends, the fund has recovered from the downtrends due to a slight change in the portfolio and increase in the allocation towards the financial sector. The trailing returns of the last 3 years are 8.90% and that of 1 year is 4.93% while for the same tenure, the category average has been 12.12% and 5.76% respectively. However, the long term returns of 10 years or more are still among the best in the category and well above the peers & index.

What Should be Done?
Tata Hybrid Equity Fund aims for long term capital appreciation through a mixed portfolio of equity and debt instruments. The fund has a conservative portfolio but can provide significant returns in the long term. The current portfolio is looking in a good shape and can provide a money-making opportunity to the new investors. Those who are already invested can accumulate for a few months as the market is on the rise and the same fund can be quite beneficial looking at the recent rally. In the last one month, the NAV has surged by 6.05% which is likely to increase further in the upcoming trading sessions. Those who seek higher returns can switch to a more aggressive scheme depending on the suitability.  (data as of 30th March 2019)

Tata Hybrid Equity Fund is a promising scheme in the aggressive hybrid category which has faced a pullback in the last few years but is set to gain the reputation it had in the past. To know whether the fund is the right choice for you, connect with the experts at MySIPonline. For a seamless investment experience and to stay updated with the latest updates in the market, download our android and IOS app through the link provided.

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Reliance Small Cap Is Under-Performing. What Should I Do?

This is one of the most common queries which is bothering many mutual fund investors from the past few months, and to such an extent that a large number of them are selling their units in panic mode. Reliance Small Cap Fund, a mutual fund scheme which used to give annual returns of 20%-25% is now giving returns in negative. So what to do now? Well, before getting to this question, let’s see why this scheme is underperforming.

Why Is Reliance Small Cap (G) Not Performing Well?

Most of us are aware of the downfall that equity market faced right after the announcement of the Union budget in February. Now what people don’t know is that small-caps and mid-caps were the market capitalization that got most affected by this volatility. This caused a slip in NAV of mid-cap and small-cap mutual funds. Reliance Small Cap Fund NAV as on Jan 01, 2018, was Rs 47.41, and right now (as on Aug 14, 2018) it is Rs 43.04, which means that in past 7 months, the unit price took a toll of around 9%. In simple terms, the investments made in January are now around 9% less, and past 6-months return of -7.96% (as on Aug 14, 2018) conveys the same. So now that we know the reason behind the fall, let’s see if you should stay invested or initiate a new investment in it or not.

What Should You Do?  

Mutual fund experts always say this, “If you want to enter the mutual fund market, then stay in it for a long-term, otherwise don’t,” and the reason behind that is the power of averaging that helps investors in making an exceptional profit in the long run, and the same is applicable with Reliance Small Cap Fund. Let’s see how.

As we discussed above the NAV of Reliance Small Cap in Jan was Rs 47.41, and now it is Rs 43.04. So, investing now means you will be buying more units with the same amount that you used to invest regularly. For e.g., let’s say you have a monthly SIP of Rs 4000, which you started in January. Now in that month, the total units you bought for Rs 4000 are 84.37, and in August the total units you bought with the same amount are 92.93. So, investing now means you will be buying the units at much lower levels and as the NAV will start recovering, the profits you make will be exceptional.

So, the answer to the above question is- don’t panic and keep accumulating, and stay invested in this scheme for the next 3-5 years at least, to enjoy the maximum benefits of Reliance Small Cap Fund growth plan.

Now you know that what you have to do with your Reliance Small Cap Fund. This scheme has maintained a rating of 4 stars and above, and at a time has provided annual returns of more than 30%. However, before making the final decision, do consult your financial adviser. If you have any more query about this scheme or want to get latest recommendations on mutual fund investments, then feel free to contact our experts at MySIPonline.

How SWP in ICICI Equity and Debt Fund will Beat Inflation?

How SWP in ICICI Equity and Debt Fund will Beat Inflation?

Providing balanced portfolio by investing in the various market caps through equity and debt, ICICI Prudential Equity and Debt Fund has shown impressive growth. The fund offered by the ICICI Prudential Mutual Fund has now reached the AUM of Rs 28,633 Cr as on Jul 31, 2018. The expense ratio of the fund is 2.13%. Many investors come with the query regarding the Systematic Withdrawal Plan from ICICI Prudential Balanced Fund; therefore, the financial analysts of MySIPonline have made research that whether the fund is right for SWP or not. All the details of the fund and withdrawal from the fund have been provided in the write-up further:

A Brief About ICICI Prudential Equity and Debt Scheme:

Launched in the year 1999, the fund invests its 60% of corpus in equities, 30% in debt instruments, and the rest 10% in money market instruments. This all provides the diversification to the fund. Providing high exposure to energy and financial sector, the fund managers Mr Sankaran Naren and Mr Manish Bhanthia have delivered 16-20 per cent returns in the past three and five-year periods.

Following the contrarian investment philosophy, the fund management team has majorly invested in large and mid-cap companies. Among debt holdings, ICICI Equity and Debt Fund has been providing the highest exposure to A1+ and cash equivalents. The fund has been selecting the stocks through the blend of value and growth investment strategy, investing in 75 companies in Aug 2018. The top five companies where it has a holding of 22% are ICICI Bank, NTPC, ITC, State Bank of India, and ONGC.

Is SWP a Good Option in ICICI Prudential Equity and Debt Fund (G)?

A popular service that is offered by the mutual funds is a systematic withdrawal plan. Investors can use the SWP to withdraw a specific amount from the fund on weekly, monthly, quarterly, half-yearly, or annually basis. SWP helps the investors and defeats the inflation if a person is invested for the long run.

For example, if an investor has invested the amount of Rs 10,00,000 in ICICI Pru Equity and Debt Fund in the year 2000, then the current value of the investment would be Rs 38,39,325. If a person withdrawal the amount of Rs 8,000 on a monthly basis, the number of installments have been 216.

The total amount that has been withdrawn by the investor would be Rs 17,28,000, which was grown at the rate of 13.32%. The post-tax returns of the fund are inflation adjusted, which help the investors beat the inflation without affecting the lifestyle. All these calculations have been performed by the financial experts of MySIPonline.

Being an aggressive hybrid fund, ICICI Prudential Equity and Debt Fund growth has provided the returns of 14.47 since its launch. Its NAV is Rs 128.93% as on Aug 16, 2018. It has provided the compounded returns of 18.73% in the past five years outperforming its benchmark, CNX NIFTY as well as its category’s average.

SWP could be a good alternative for an investor who wants regular income by investing in ICICI Equity and Debt Fund G. The past performances of the fund are consistently better than its benchmark, however, its future returns may differ which depends on various parameters. So, if you are looking for the investment in the fund, you must check whether it fits your risk profile and provide you with enough period.

What are the Best Results Achievable with TATA India Consumer Fund?

India has a gigantic consumer market. With the size of more than 1.3 billion people, you can imagine the potential available in the consumer products industry. This is the reason why almost every international brand of consumer products can be found in India. These brands have swelled very rapidly, for obvious reasons, and investing in them can be a viable option for securing your future. Considering this opportunity, TATA Mutual Fund came up with the idea of launching TATA India Consumer Fund. This fund is a congregation of the stocks of consumer based industries, thus establishing a promising platform for the buyers to achieve high growth through mutual fund investments.

Launched recently in December 2015, TATA India Consumer Fund (G) has been rated as a flagship fund due to its capacity to capture high energy from the market, through a well-lit portfolio precisely designed for Indian subscribers. The fund has accommodated all the top consumer products companies in its portfolio, thus creating a hub of growth and returns in a single venture. This article will throughout explain many details attached to TATA India Consumer Fund (Growth) which are important for you to get hold of to create a good investment plan.

Why to Invest in this Fund?

Let’s start with the most important question; why should you invest in TATA India Consumer Fund – Regular Plan (Growth)? One of the major arguments in favour of an investment in this fund is that it has a tremendous growth potential in it. The graph recently published by the AMC has sent shockwaves across the market, stunning the spectators as well as the critiques. Let’s have a look: -

As you can see from the graph here, the growth of TATA India Consumer Fund (the black line) is angled much higher than that of the benchmark (the red line). This distinction clearly portrays that the fund is indeed a high end product in terms of growth, perfect for anybody who is desirous to fly higher.

There are certain other reasons that may compel you to invest in this fund. Some of the most relevant ones have been shortlisted and jotted down here by the expert team of MySIPonline: -

• Excellent Rewards: Apart from being good on growth, TATA India Consumer Fund – Regular Plan (G) remains undisputed as far as the returns are concerned. Started less than year ago, the fund has gripped itself in the market with handsome returns that mount up to 26.75%, since inception. Also, the average annual returns in the short-term period (one year) have achieved a record-breaking level of 30.55%. 

• Tighter Exit Load Policy: One of the major mistakes that investors make is a premature redemption. They do not allow their funds to grow fully, and hence, suffer a great loss. As against the normal exit load duration of 365 days, TATA India Consumer Fund (Growth) has kept the tenure to 540 days, thus discouraging any premature redemption. This way, it promotes healthy investment by making the investor stay put for a longer period.

How to Invest?

Normally, you are offered two ways of investment – lump sum and SIP. But, to avail the maximum benefits you shall always adopt an SIP plan, because it lets you invest in smaller amounts over your investment horizon rather than requiring you to pour all your money at once. An SIP plan with MySIPonline will be the best possible measure for you to start investing. 

So, if you are eager to score success at mutual fund investing, then start an SIP investment in TATA India Consumer Fund via MySIPonline.

How To Get The Most Out Of Tata Digital India Fund?

Some mutual fund schemes are good, some are great, and then comes Tata Digital India Fund (G). The performance which this scheme has shown has even surpassed the highest expectations an investor can have with a fund. So, today we are going to discuss the basic details of this scheme and will see that is it a right time to make an investment in it.

All About the Scheme

This is an equity-technology sector fund which was launched on Dec 28, 2015, as an open-ended scheme and with the objective to provide investors with high capital growth by investing majorly in stocks of IT companies of India. This scheme gained huge popularity when it gave an annual return of 49.90% (as on Aug 02, 2018) and topped its respective category. Now, the main reason behind the instant fame was that it was the newest scheme in its respective category and had the lowest AUM, and despite that, it gave an excellent performance. Now, let's have a look at the basic detail of the scheme.

As of now, Tata Digital India Fund NAV is Rs 14.64, and the assets under management as recorded on Jun 30, 2018, are worth Rs 197 crore. It invests its fund in a diversity of different market caps and currently has 60.32% investment in large-caps, 33.70% in mid-caps, and 5.98% in small-cap companies. This diversification helps the fund in providing stable returns even when a particular market-cap is not performing well. As for additional charges, an annual expense ratio of 2.82% (as on Jun 30, 2018) will be charged from your principal amount and you will have to pay an exit load of 0.25% if you redeem your investments before 90 days.

Why & How Should You Invest?

Well, the first reason you should invest in this fund is the current portfolio allocation. The top 5 holdings of the scheme include top-notch companies like Infosys, Tata Consultancy Services, Tech Mahindra, NIIT Technologies, and Tata Elxsi. All these stocks have shown great performance even during equity market volatility, which shows the quality of the holdings.

The second reason is the returns of 3.72%, and 4.73%, which it has given in the past 1 and 3 months. This show that this scheme has started showing recovery and in the coming time will give a great performance.

Now we come to the second question, “How to Invest?.” Well, the common mistake which many investors make with sector funds is that they put all their investment in a single fund, which is totally wrong. To get the full benefit of this scheme, you should diversify your funds. For e.g., if you want to start a monthly SIP of Rs 10,000, then invest Rs 4000 in a large-cap scheme, Rs 4000 in a multi-cap scheme, and the remaining Rs 2000 in Tata Digital India Fund. So, even if this scheme does not perform well, other funds will give stability to your investments.

Now, you know that what Tata Digital India Fund is and how you can get the most out of it. But before investment, do consult your financial advisor as the risk involved with this scheme is very high. If you have any investment-related query, then you can contact us at MySIPonline.

See Your Wealth Grow with HDFC Mid-Cap Opportunities Fund (G)

Mid-caps are showing a recovery after a year of underperformance. This calls for the time to make an investment in these schemes. But, the most common question that arises is, in which scheme one should make an investment to mark good profits? Well, today MySIPonline presents you one such great scheme that has shown good performance even during volatile markets and the name of the scheme is HDFC Mid-Cap Opportunities Fund.

What Is So Special About this Scheme?

Launched on Jun 25, 2007, as an open-ended scheme, it follows the objective of generating long-term capital appreciation by investing predominantly in mid-cap stocks which show great possibilities for future growth. After the re-categorization, it is stated that the mid-cap schemes can only invest in stocks that rank between 101-250 in term of market capitalization. Currently, it has 86.10% of total equity investment in mid-caps, 10.71% in small-caps, and 3.19% in large-cap equities. The scheme also has a small portion of 4.23% of the total investment in debt instruments.

As for sector allocation, HDFC Mid-Cap Opportunities Fund has a major investment of 24.03% in the finance sector. The other sectors which hold a good amount of investment are engineering (12.35%), chemicals (8.76%), automobile (8.42%), cons durable (7.54%), and technology (7.22%). The top 10 holdings of the fund are from the above sectors include prime companies like Sundaram Fasteners, Cholamandalam Invest. & Finance, Balkrishna Industries, Hexaware Technologies, Voltas, RBL Bank, City Union Bank, Aarti Industries, Exide Industries, and Edelweiss Financial Services. For viewing a more detailed portfolio of this scheme, you can visit MySIPonline.

Basic Scheme Parameters

HDFC Mid-Cap Opportunities Fund NAV as on Jul 27, 2018, is Rs 57.001 and the value of the assets as recorded on Jun 30, 2018, is Rs 19,990 crores. The huge asset size shows the trust that lakhs of retail investors have in this scheme. The expenses that you have to pay annually is 2.26% of your principal amount and an exit load of 1% will be charged if you redeem your investments before 365 days. The minimum investment required to enroll for hdfc mid-cap opportunities fund growth scheme is Rs 5000 and you can start a SIP at MySIPonline for as low as Rs 500.

Past Performance

HDFC Mid-Cap Opportunities Fund has provided returns of 6.17%, 14.57%, 27.42%, and 20.59% in 1, 3, 5, and 10 years, respectively and has outperformed its benchmark at all occasions, which has shown returns of 3.35%, 13.24%, 22.82%, and 14.41% in the same time period. The scheme has also outperformed its category and is ranked 1st with respect to 10-year returns. It gave its worst performance during the bearish market of 2008, which it recovered from soon and gave an all-time best performance between March 2009- Mar 2010.

Why Choose This Scheme?

HDFC Mid-Cap Opportunites Fund currently has one of the best portfolios in the mutual fund industry. As discussed above, the scheme has a major investment in finance sector which has started showing recovery and will soon reach new heights, and when that happens the fund will start giving some of the best returns.

This covers our topic for today. HDFC Mid-Cap Opportunities Fund is a great scheme and has never disappointed any of its investors. However, you should consult your financial advisor before making the final decision to know that if this scheme suits your risk appetite. If you have any question about this or any other mutual fund scheme, then you can contact our experts at MySIPonline.

How SBI Bluechip Fund Beating Street Estimates of Investors?

When a fund stands out at various fronts, then definitely an efficient fund manager is supervising it. Therefore, the financial analysts of MySIPonline have researched about SBI Bluechip Fund (G), which has been performing consistently well from past many years. This review has been provided with full details in the article further as under:

About the Fund:

SBI Bluechip Fund has started its journey in the year 2006 and had reached to one of the largest AUMs of the category with Rs 19,064 Cr as on Jun 30, 2018. The expense ratio of the fund is 2.44%.
The open-ended large-cap category fund, its average market capitalisation is Rs 104,048.37 Cr as on July 28, 2018. This capital is invested 61.18% in giant companies, 26.19% in large-cap companies, 11.61% in mid-cap and 1.02% in small-cap companies. The asset allocation of the fund is 93% in equity, 5% in money market securities, and 2% in debt instruments.

The fund is holding stocks in 58 companies of diversified sectors, which majorly include finance and banking, automobile, construction, FMCG, healthcare sector, etc. The top companies, where it is investing are HDFC Bank, Larsen & Toubro, Mahindra and Mahindra, ITC, and Nestle India.

Past Performance Analysis:

Following S&P BSE 100 Index, SBI Bluechip has delivered the returns of 11.56% since its launch. The fund has beaten its benchmark and category average in the five and seven years compounded returns. These returns were 19.25% in the five years and 15.47% in seven years.

The alpha generated by the fund in the past three years as provided on June 30, 2018, by the financial experts of MySIPonline was 0.10%. The highest returns of the fund were in the year 2009 with 87.9%. The last two years returns of the fund for the years 2016 and 2017 were below the benchmark, but higher than the category average.

The also incurred less losses in the year 2011 bearish market as well as in 2015, when the benchmark and category both were in negative, but it has given better returns to investors.

Fund Manager:

The fund manager and her convictions both are working magnificently towards SBI Bluechip Fund Growth. Ms Sohini Andani follows the blend of growth and value investing as well as the top-down and bottom-up approaches of investing. She used to keep track of various sectors, where she can invest to make the fund grow faster.

Ms Andani joined SBI fund management team in 2007 as the Head of Research. She has an overall experience of 23 years in the financial space, portfolio management, equity research and fund management. Under her guidance, the fund has shown high growth, as she gets associated with the fund in the year 2010. Her confidence in the financial sector, where she invests most leads the fund to better growth.

The NAV of SBI Bluechip Fund G is Rs 39.053 as on July 28, 2018. It is suitable for the investors who have an appetite of tolerating a moderately high-risk on their principal amount. Investors who want to achieve goals of wealth creation should invest in the fund for 5 or more years.

L&T Midcap Fund - Helping Gain from Midcap Companies

L&T Mutual Fund is among the top 20 companies of India, it has reached this position because of its commitment and hard work in the form of various schemes that it has launched for different customers under varied categories. Among many schemes, it launched L&T Midcap Fund on August 09th, 2004, with an investment objective to help investors earn capital appreciation through investment done mainly in midcap stocks. To know more about this scheme, continue reading and in case you still wish to explore more about it, browse MySIPonline.

Who Are the Fund Managers?

This fund is jointly managed by Mr. S.N. Lahiri and Mr. Vihang Naik since June 2013 and June 2016, respectively. Mr. Lahiri has done B.Tech and holds Post Graduate Diploma in Management from IIM Bangalore. He has worked with companies such as Canara Robeco AMC Co. Ltd., Fortuna Capital, Emkay Investment Manager Ltd., DSP Black Rock Investment Managers Pvt. Ltd., before joining L&T Mutual Fund. Mr. Vihang Naik has done CFA and TYBMS. Before joining L&T MF, he has worked with companies such as MF Global Sify Securities, SBICAP Securities, L&T Investment Management Ltd.

Who Should Invest in L&T Midcap Fund Growth?

This scheme is for aggressive investors who are ready to bear high risk on their principal amount. People who are searching for a scheme to add to their portfolio to earn the time value of money in the form of long-term capital appreciation through investment made in equity an equity related instruments of mid-cap companies may invest in this scheme.

Important Points About L&T Midcap Fund That Investors Should Know

1. L&T Midcap Fund NAV as on July 25th, 2018 was Rs. 138.35 and its benchmark is NIFTY Midcap 100 TRI.
2. The assets under management as on June 30th, 2018 was Rs. 2808 crores out of which investment made in equity is 92.63% and in debt is 7.54%. The investment made in equity is further divided into large-cap, mid-cap, and small-cap investments with the percentage of assets allocated in them being 3.78, 82.85, and 13.36, respectively.
3. The top ten companies in which it has invested majorly are Bharat Financial Inclusion, Emami, Berger Paints India, The Ramco Cements, City Union Bank, Graphite India, Cholamandalam Invest. & Fin., MindTree, Abbott India, and Exide Industries with the assets allocated to them being 3.85%, 3.19%, 3.06%, 2.98%, 2.44%, 2.33%, 2.30%, 2.26%, 2.17%, and 2.15%, respectively. 
4. The initial application amount for new investors is Rs. 5000 and the minimum additional application amount for existing investors is Rs. 1000.
5. There is no entry load which is to be paid by an investor. In case an he redeems on or before completion of one year, then he becomes liable to pay 1% as exit load. 

This was all about L&T Midcap Fund by L&T Mutual Fund in which you may invest online as well as offline. To invest online, simply log on to MySIPonline, a user-friendly platform that helps you make paperless transactions from the comfort of your place. You may also consult the financial expert to understand about its suitability to your portfolio.

Overcome Market Volatility with ICICI Prudential Balanced Advantage Fund (G)

Current market volatility is creating panic among thousands of investors. People are selling their holdings of equity funds and are looking for an alternative with the help of which they can sail through these volatile markets. If you are one of them, then you are in luck today, as in this post, we are going to discuss a scheme which can help you in gaining stable returns even during this unstable market and that scheme is ICICI Prudential Balanced Advantage Fund.

Basic Scheme Details

This is a hybrid- dynamic asset allocation category fund which was launched on Dec 30, 2006, with the objective to provide long-term capital growth by investing in a dynamic portfolio of instruments from different asset classes. The scheme constantly make changes in the portfolio based on the behavior of the capital market. Currently, ICICI Prudential Balanced Advantage Fund NAV is Rs 33.6 (as on Jul 23, 2018) and the assets under management as recorded on Jun 30, 2018, are worth Rs 27,877 crores. The whopping asset size shows the trust that lakhs of investors have in this scheme and the growth which it has made over the years. The annual expense ratio of the scheme is 2.15% (as on Jun 30, 2018), and you will have to pay an exit load of 1% if you take out your investments before completion of 365 days. You can invest in this scheme through MySIponline with a minimum investment amount of Rs 500 and can start a SIP with a minimum of Rs 1000. 

Asset Distribution

ICICI Prudential Balanced Advantage Fund invests in a mix of different asset classes and currently has 40.11% investment in equity instruments, 32.9% in debt instruments and the remaining 26.99% in cash and cash equivalents. The equity instruments are mainly from finance, automobile, energy, FMCG, services, technology, and healthcare sectors. The top holdings from equities include companies like HDFC Bank, Infosys, HDFC, Hindustan Unilever, and ICICI bank. As for the debt, GOI Securities, Commercial Paper, Fixed Deposits, Bonds, and Debentures are the most favored instruments and you don't have to worry about the quality of these instruments as most of these have a credit rating of A1+ and more. 

How Can it Help in Overcoming Market Volatility?

ICICI Prudential Balanced Advantage Fund is one of the best choices you can make right now and the reasons are diversity in assets and the dynamic style of investing which it follows. With the help of these, the scheme can stay stable even when the equity market is flickering. How? Well, let's see. Say, the equity market is down and almost all the sectors are underperforming, now to avoid the drop in NAV the scheme will change the allocation and will guide more investments towards the debt instruments. This change will make the effect of the equity losses lower as the stable returns from debt and cash instruments will provide a support to the scheme.

Going through the post you must have known that what ICICI Prudential Balanced Advantage Fund is and how it can help you in beating the market volatility. This scheme is a perfect combination of growth and security and has provided investors with satisfactory returns over the years. If you have any queries about this or any other mutual fund scheme, then you can visit MySIPonline and can get the solution to all your investment-related queries 24x7.

Why Axis Mutual Fund is Listed Amongst the Best Ranking AMCs in India?

The world has been into a tight economic condition ever since the depression hit the market in the year 2008. Banks went bankrupt, companies’ financials tumbled down, and chaos hit the lives of many to the limit that they had to take desperate measures. Amidst this chaos and confusion, the Indian economy stood firm and didn’t succumb to the market crunch. The reason for its steadiness, even in such adverse circumstances, was the subtle approach of the public towards their spending, which mostly went into buying funds of top fund houses such as Axis Mutual Fund.

This name doesn’t need any introduction, and is widely regarded as one of the best asset management companies to have ever been introduced to the global money market. The funds that this AMC releases are superbly well-knit, which do not leave any margin of errors and ensure that they are devised in a way to provide great benefits to its patrons. There are many interesting facts associated with Axis MF that will make you go haywire. Stick around for a while and read this article in full that will unravel great information on this fund house.

The Fund and its Formation

Axis Mutual Fund is one of the largest and most powerful asset management companies in India, and has a strong global presence in countries such as Singapore, Middle East, Colombo, and Shanghai. It has a workforce of over 25,000 employees present across different countries, handling discrete responsibilities ranging from clerical work to managing the assets single-handedly. Further, the fund has an enormous range of products available in the flavour of equity, debt, hybrid and sector-oriented funds, to ensure that even the most diverse needs of the investors are satiated efficiently.

Axis Mutual Fund was formed in India less than a decade ago in the year 2009. In its first year of operations itself the fund launched some of the most superbly planned schemes of the time, gaining enormous trust from the market and a huge capital contribution from the investors. The fund soon went to become the all-time favourite of all major online investment portals, including North India’s ace investment solutions company, MySIPonline. As of today, the fund cherishes a diverse range of schemes that has now soared up to 50 in number.

The Investment Philosophy 

MySIPonline is one of those financial services companies that do not just go by the buff, but investigates closely on its own before giving a spot to any fund house on its website. After a tight scrutiny, it was found that the biggest reason for the unusual success of Axis Mutual Fund in India was its judicious investment philosophy. The fund house’s business is placed on three important pillars that are a part of its unshakable ideology – People before self; prepare for future today; and create products that serve the purpose rather than defying it.

Besides being a highly motivated and transparent fund house, Axis MF is also a very socially aware fund house. It runs several campaigns, organises various exhibitions on mutual fund literature and education, so that the common masses are able to understand and apply the basic fundamentals of investing in their future plans. Also, the online availability of Axis Mutual Fund schemes have made it reasonably convenient for the investors to choose the best mutual funds online attuned to their needs, and invest in them immediately. MySIPonline provides the convenience to invest in the products of Axis Mutual Fund online in a quick, easy, and hassle-free manner that too without charging anything above the cost of investment.

Summing Up

Axis Mutual Fund is a superb financial companies to invest with. Its supremely devised schemes and the inherent trust of Axis brand, makes it even more convincing to cling to this fund house while drawing an investment plan. Call your financial advisor today, or ask the experts at MySIPonline which scheme of Axis MF will be best suited to you. Do mention your risk capacity, the desired investment period and the spending capacity for getting an unbiased and clear advice.

List of Instrumental Schemes Provided by Motilal Oswal Mutual Fund

Motilal Oswal Mutual Fund is one of the fastest emerging asset management companies in India. With the experience and research of over 30 years in the equity market, the AMC has provided beneficial schemes which have outperformed their peers and benchmarks since their inception. The highly experienced and talented management staff lead by Mr Raamdeo Agrawal has achieved success in providing the best financial solutions and has gained the trust of thousands of investors. To invest in any scheme of Motilal Oswal Mutual Fund online, connect with MySIPonline. The details of the schemes provided by Motilal Oswal MF have been described below

1. Motilal Oswal Long Term Equity Fund (G): It is an Equity Linked Savings Scheme which has outperformed its category average, as well as benchmark, NIFTY 500 despite being a late entrant in the market. It has a lock-in period of 3 years, and in last three years, it has generated an annualised return of 16.49% compared to 11.37% benchmark returns and 9.96% category average returns. The fund managers Mr Abhiroop Mukherjee and Mr Gautam Sinha Roy generally invest the majority of the corpus in the equity instruments of large-cap companies and 20-30% in mid-cap companies. The fund is suitable for the investors who seek tax-saving as their primary objective behind the investment. (data as of 16th July 2018)
2. Motilal Oswal Multicap 35 Fund (G): It is a multi-cap fund with a massive AUM of Rs 13,016 crore as on 30th June 2018. Since its inception in April 2014, it has generated an annualised return of 26.05%. This fund has also outperformed its benchmark and peers many times in the past. The fund manager Mr Gautam Sinha Roy invests the corpus in a total of 20-25 stocks which are mainly large-cap companies. Mid-cap companies possess 15-20% of the corpus.(data as of 16th July 2018)
3. Motilal Oswal Midcap 30 Fund (G): It is a mid-cap fund which aims to create long-term wealth by investing predominantly in mid-cap companies. The fund managers Mr Akash Singhaniya and Mr Niket Shah have a long-term prospect for this fund. Since inception in April 2014, it has generated an annualised return of 24.19%. More than 70% of the corpus is invested in small and mid-cap companies hence the fund is suitable for high-risk takers. (data as of 16th July 2018)
4. Motilal Oswal Ultra Short Term Fund (G): It is a debt fund which is suitable for very short-term investment. The average maturity period of the instruments is 4.8 months. The fund provides stable returns which are more than regular bank savings account through a portfolio of commercial papers and certificate of deposit of A1+ credit ratings. Mr Abhiroop Mukherjee manages it since its inception in September 2013. (data as of 16th July 2018)
5. Motilal Oswal Dynamic Fund (G): It is a hybrid fund whose portfolio is inclined towards the equity and equity derivative instruments. 65% and 35% is the allocation ratio of equity and debt instruments respectively. It has generated an annualised return of 11.37% since inception in September 2016. The fund manager Mr Gautam Sinha Roy shifts the allocation of the corpus according to the market trends to get the maximum benefits. (data as of 16th July 2018)

Every scheme has its aim and ambition, and hence you should consult with a financial expert before investing in any Motilal Oswal mutual funds. At MySIPonline every investor is provided with the optimum solution for every financial need. Connect through email, chat, or call anytime to enjoy the most beneficial investment strategies.

SBI Large & Midcap Fund - A Unique Scheme for Unique Investors

SBI Mutual Fund launched a scheme for its investors on February 28th, 1993 named SBI Magnum Multiplier Fund, an open-ended scheme which is now known as SBI Large & Midcap Fund. It invests in large-cap and mid-cap companies. Large-cap companies are the top hundred companies in terms of full market capitalisation and mid-cap companies are the top 101 to 250 companies. It follows a mixture of growth and value style of investing and top-down and bottom-approach while selecting stocks and sectors to invest in.

Investment Objective

The investment objective of SBI Large and Midcap Fund is to provide an opportunity to its investors to earn long-term capital appreciation by investing in the stocks of large-cap and mid-cap equities.

Fund Manager

SBI Large & Midcap Fund G is managed by Mr. Saurabh Pant since September, 2016. He has done B.Com. Honors, MBE and CFA (Level III) and has been associated with SBI Mutual Fund since 2007. Apart from this scheme he has been managing SBI Consumption Opportunities Fund as well.

Who Should Invest?

• Investors who are ready to tolerate moderately high risk on the principal amount invested.
• Those who wish to invest in large and mid-cap companies’ stocks in order to earn long-term appreciation.
• People looking for investment option for long-term in order to park their money which is kept idle, may invest in it by logging on to MySIPonline.

Scheme Facts

SBI Large & Midcap Fund has been rated three stars by Value Research. Its Net Asset Value as on June 29th, 2018 was Rs. 206.5479 and the assets under management were worth Rs. 2271.8 crores as on May 31st, 2018. There is no entry load that an investor has to worry about. In case an investor wishes to redeem within one year of investment, then he becomes liable to pay 1% as exit load. After completion of one year, he can freely redeem without paying any charges. Its investment in equity is 96.58% and in debt is 3.2% with percentage investment in giant-cap, large-cap, mid-cap, and small-cap being 35.62, 19.38, 37.02, and 7.99, respectively. Its standard deviation as on May 31st, 2018 was 14.50%, calculated using the calendar month returns for the last three years.

The top five companies in whose stocks it has invested majorly are HDFC Bank, Jubilant FoodWorks, Infosys, ICICI Bank, and Bharti Airtel, respectively with investment percentage being 5.75, 4.89, 4.88, 4.78, and 4.11, respectively.

Performance

The trailing returns that SBI Large & Midcap Fund Growth has provided its investors were 6.87, 9.39, and 19.85 for one, three, and five years, respectively as on June 29th, 2018 which shows that it is more beneficial to keep the money locked in for long-term in this scheme.

Conclusion

SBI Large & Midcap Fund is best for the investors planning for long-term investment in large-cap and mid-cap companies. If you have any doubt or any confusion which you need to clear, log on to MySIPonline, a user-friendly platform that helps you make hassle-free, environmental friendly, paperless transactions and provides an opportunity to talk with financial advisors absolutely free of cost.