DSP Blackrock Top 100 Fund

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DSP Top 100

Fund Manager: Harrish Zaveri

Zaveri has been a stickler to quality. He hunts for stocks with strong cash flows, high ROE and secular growth. These factors have paid off quite well for the scheme. Zaveri has been bullish on private sector banks in which he has picked up HDFC Bank. In the BFSI sector, he picked NBFC like Bajaj Finance. The scheme also benefited from its exposure to insurance companies. Among the auto companies, which indicates Zaveri’s focus on consumption theme, he chose Maruti. Such diversified portfolio creation across sectors have helped the fund emerge as a winner in the past one year.

SIPs are Best Investments as Stock Market s are move up and down. Volatile is your best friend in making Money and creating enormous Wealth, If you have patience and long term Investing orientation. Invest in Best SIP Mutual Funds and get good returns over a period of time. Know which are the Top SIP Funds to Invest Save Tax Get Rich – Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

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How your mutual fund investments are taxed

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The tax impact is much lower in case of LTCG on debt funds and equity funds. In case of debt funds, there is an indexation benefit available that reduces the taxable gain.

Mutual fund taxation needs to be understood at three levels. Firstly, there are tax implications on the dividends received on mutual funds. Secondly, tax implications on the capital gains or losses that arise from mutual funds when they are sold. Lastly, there is the special case of ELSS mutual funds that provide tax exemptions for the amount invested during the year.

Taxation of dividends

Mutual funds have growth plans and dividend plans. The taxation of dividends will depend on whether it is an equity fund or a debt fund. For the purpose of taxation, a mutual fund is classified as an equity fund if minimum 65% of the AUM of the fund is invested in equities or else it is classified as non-equity (debt) funds. Here are two things to remember about taxation of dividends.

In case of equity funds, the dividends are tax-free in the hands of the investor. That has not changed. However, Union Budget 2018 has imposed a dividend distribution tax (DDT) on equity mutual fund dividends at 11.648% (surcharge and cess included). This will reduce the in-hand return to investors.

In case of debt funds, there is no change in the taxation methodology. Dividends continue to be tax-free in the hands of the investor but the DDT on debt fund dividends will continue at the rates of 29.12% (surcharge and cess included).

Capital gains

Capital gains on mutual funds arise when profits are realised at the time of sale of mutual fund units. Capital gains are of two types; long-term capital gains (LTCG) and short-term capital gains (STCG). In case of equity funds, the cut-off for LTCG is 1 year holding while in case of debt funds the cut-off is a holding period of 3 years. Union Budget 2018 has made a significant change in the tax on LTCG of equity funds. What was tax-free till now will be taxed at 10% above gain of `1 lakh per annum and without the benefit of indexation. All gains until January 31, 2018 have been “grandfathered”. So you can assume the new cost of holding your equity mutual funds is the closing price on January 31, 2018. The start date of your holding remains the original purchase date.

The tax impact is much lower in case of LTCG on debt funds and equity funds. In case of debt funds, there is an indexation benefit available that reduces the taxable gain. In case of LTCG on equity funds, the exemption of `1 lakh of capital gain reduces the tax impact. One must also remember that any losses can be written off against accumulated losses of the same category and such losses can also be carried forward for eight assessment years.

Section 80C benefits on ELSS

This is a special benefit that is conferred on a specific category of funds called ELSS (Equity Linked Savings Schemes) funds. ELSS funds entail a mandatory lock-in period of three years. Investments in ELSS are eligible for tax exemption under Section 80C up to `1.5 lakh for a fiscal year. Such investments in ELSS will be clubbed along with other assets eligible under Section 80C like PPF, life insurance, home loan principal, etc. This exemption reduces your effective tax in the year and enhances your returns on the fund.

SIPs are Best Investments as Stock Market s are move up and down. Volatile is your best friend in making Money and creating enormous Wealth, If you have patience and long term Investing orientation. Invest in Best SIP Mutual Funds and get good returns over a period of time. Know which are the Top SIP Funds to Invest Save Tax Get Rich – Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

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FMPs are like Bank FDs

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but do not guarantee returns

Investors can look at fixed maturity plans as mutual fund industry’s offerings that are equivalent to bank fixed deposits, although returns from FMPs are not guaranteed by mutual funds like FD returns are guaranteed by banks

FMPs are closed-end debt funds. That means, they are funds in which an investor can invest only at the time of a new fund offering (NFO), and take out the money at the time of maturity. This is as opposed to open-ended funds where investors can invest any time and take the money out at any time as well. FMPs invest in debt instruments of fixed maturities, mostly tallying with the time frame of the fund itself. That is, if the fund’s time frame is 3 years, then the maturity of the underlying debt securities are also, on an average, likely to be 3 years.

Investors can look at these funds as mutual fund industry’s offerings that are equivalent to bank fixed deposits (FDs), although returns from FMPs are not guaranteed by mutual funds like FD returns are guaranteed by banks.

The series numbers on FMPs are internal nomenclature for the fund houses and do not carry any meaning or significance for investors. They are simply a serial number notation to label these offerings and distinguish them from one another.

SIPs are Best Investments as Stock Market s are move up and down. Volatile is your best friend in making Money and creating enormous Wealth, If you have patience and long term Investing orientation. Invest in Best SIP Mutual Funds and get good returns over a period of time. Know which are the Top SIP Funds to Invest Save Tax Get Rich – Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

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How to invest in equity mutual funds without risking your capital

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The dividends announced by the source scheme will be transferred to transferee scheme at regular intervals.

Search for high returns make individuals consider investments in stocks. But they bring in ‘high risk’ to the table. Many senior citizens and low risk investors are looking to invest in stocks and equity mutual funds for high returns given low returns offered by traditional fixed income options such as bonds and fixed deposits. But the thought of losing one’s capital is a big deterrent. Here is how you can invest in equity funds without losing your capital.

You are just going to use an existing facility offered by many mutual fund houses – dividend transfer plan. The facility allows you to invest the dividends declared by one mutual fund scheme into another scheme. What you just have to do is to invest your money in an arbitrage fund’s dividend option and opt for a dividend transfer plan. The transferee scheme should be a diversified equity fund. This arrangement of transferring dividends to an equity mutual fund scheme allows you to invest in equity mutual funds without risking your capital. Even if stock markets tumble your capital remains safe. You may take a hit only on the dividends invested in equity mutual fund.

Let’s us look into the details of this arrangement to understand how it works in your favour.

For the beginners, arbitrage fund manager buys a share in cash market and simultaneously sells equal number of shares in futures. The fund manager does not take any risk pertaining to stock markets. The aim is to lock in the price deferential to generate returns for the investor without risking capital. The returns generated are in line with money market returns. Though the scheme generates returns like a bond fund, the scheme is treated as an equity mutual fund for the purpose of taxation.

Arbitrage funds make good source scheme for dividend transfer plan as they distribute most of their profits by way of dividends as there is no tax on dividend.

As and when the scheme declares dividends the proceeds are invested in the scheme you have chosen. However there are couple of points you should keep in mind. First the amount of dividends if not more than a threshold then the same is reinvested in the source scheme. For example, most mutual fund schemes put this threshold at Rs 500. Your corpus invested in the arbitrage fund should be adequate to generate a dividend more than this threshold in each payout. To ensure that the payouts are more than the prescribed threshold, you may choose to invest in quarterly or bi-monthly dividend options instead of monthly dividend option.

Second factor is minimum investment norm of the transferee scheme. Unless the fund house waives it, the investor has to abide by this norm. In most open-ended diversified equity fund this amount stands at Rs 5000. If the initial dividend is not more than this minimum threshold, then the investor have to invest from his capital for the first time.

If both these norms are taken care of, the dividends announced by the source scheme will be transferred to transferee scheme at regular intervals. Please note both the dividend amount and the frequency of dividend are not guaranteed by mutual funds.

Arbitrage funds as a category have delivered 1.4% returns over past three months. Going by the trend one may see approximately 4-5% of the invested capital by way of dividends. This may look very small in the absolute terms. But look at it as a systematic investment plan with three year time frame and you will gradually build your equity mutual fund portfolio.

The returns depend on the arbitrage opportunities available. Given the liquidity gush in financial markets and falling interest rates the returns are expected to remain tepid from these categories of funds. If the situation persists, over three year period one may see around 10% to 12% of his money getting invested in diversified equity fund.

SIPs are when Stock Market is high volatile. Invest in Best Mutual Fund SIPs and get good returns over a period of time. Know Top SIP Funds to Invest Save Tax Get Rich

For further information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

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You should invest in Tax Saving Mutual Fund SIPs

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Investing in tax planning schemes is a key priority for those who are yet to finalise their tax related investments for the current financial year. Apart from investing in Public Provident Fund (PPF), mediclaim and term life insurance, one should consider Equity Linked Saving Schemes (ELSS) for the purpose of tax planning. Popularly known as tax saving funds, ELSS is one of the tax saving vehicles that qualifies for deduction under Section 80C.

ELSS is a typical diversified mutual fund equity scheme that comes with tax breaks and requires a lock- in period of three years from the date of the investment. If you invest in an ELSS through a systematic investment plan (SIP), each investment will be locked in for three-years from its respective investment date.

Importance of ELSS funds

By investing in ELSS mutual funds, one is eligible for tax deduction up to Rs. 1,50,000 u/s Section 80C of Income Tax Act. If you invest Rs. 1,50,000 in ELSS, you will save Rs. 45,000 (30% on top tax bracket). So the amount that you plan to invest in ELSS can be deducted from your income before calculating taxes. This is subject to an overall cap of Rs. 1,50,000 on the investment amount along with other tax saving instruments.

From April 1, long term capital gains made on transfer of equity mutual funds that have an equity exposure of 65 per cent or more will have to pay a 10 per cent tax on long-term capital gains above Rs 1 lakh a year. The LTCG made till January 31, 2018, however, remains grandfathered, i.e., gains will remain tax-exempt.

Start ELSS investment early

Many tax-payers normally tend to start investing in ELSS funds only towards the end of the financial year, when the time to submit investment proof is upon them. This is a bad investment and tax-planning strategy. In such a situation, one could face cash flow related problems towards the end of the financial year. Moreover, investing towards the end of the year forces the investors to put lump sum amount in ELSS. This, in turn, creates the risk of market timing. If the equity markets are up, the investor ends up purchasing the fund’s units at higher valuations, which in turn affects his returns. One should always plan their tax related investments in advance and invest through SIP route in ELSS to get the benefit of rupee cost averaging.

Continue to invest in ELSS Funds beyond three years

Of all the tax-saving products, ELSS funds offer the shortest lock-in of three years. In other products, the lock-in period varies from 5 to 15 years. A common mistake most investors make is to redeem their investments in ELSS as soon as the three-year lock-in ends. Since the underlying asset class here is equities, they should stay invested for a time horizon of at least five-seven years to garner good returns. Hence, one should not pull out his money as soon as the three year lock-in ends. While ELSS gives tax break, it also has the potential to generate superior returns when compared to other asset classes as well as beat inflation in the long run. ELSS funds are best in the tax saving lot till date as these funds suit every category of investor.

Betting on the current best ELSS performers

The funds that are topping the charts currently (in terms of trailing returns over the past one or three years) may not be the best choice for you. Instead, investors should focus on funds that have a track record of consistency. To select a consistent fund, one must compare the fund’s performance with the average returns generated by the category year-wise for the past five or seven years. Another alternative is to compare rolling returns. This is a good measure for capturing consistency. Another commonly observed mistake is that investors put their money in a new ELSS fund every year. Over an 8-10 year period, they end up accumulating a large number of ELSS funds. This causes excessive diversification and results in cumbersome portfolios that become hard to monitor.

Investors looking to save on tax should avoid ELSS funds if they are not comfortable with equities. ELSS is an ideal tax saving vehicle only for those investors who are willing to stay invested for the long term, understand volatility and are willing to ride through it. Further, one should plan these investments as early in the year as possible. If you haven’t done so, then this is the right time to plan for the next financial year in April itself. And once you start, there’s no need to stop investing next year. Since the best way to invest regularly in a fund is through SIP, you should just start one in a carefully-chosen ELSS fund and let it run for a long duration.

SIPs are Best Investments as Stock Market s are move up and down. Volatile is your best friend in making Money and creating enormous Wealth, If you have patience and long term Investing orientation. Invest in Best SIP Mutual Funds and get good returns over a period of time. Know which are the Top SIP Funds to Invest Save Tax Get Rich – Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

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You can write to us at

Invest [at] SaveTaxGetRich [dot] Com

Aditya Birla Sun Life Frontline Equity Fund

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Aditya Birla Sun Life Frontline Equity Fund

Unfavourable global political events, worrisome surge in oil prices and rising dollar point out to the fact that the negative sentiment about equity markets in India is not expected to ebb anytime soon. Add to this, the implementation of the GST, which has still not brought about the expected shift in market share for large-sized companies from those in the unorganised space.

However, analysts and equity veterans reckon that despite all the uncertainty, it makes sense to be with large-sized companies, given their high cash flow from operations, consistent dividend-paying tradition and a dominant market share. Large-sized companies are expected to clock superior growth in revenues due to increasing business strength and influence resulting from improved market share. This fact justifies investment in mutual fund schemes which have singular focus on large-sized companies in their portfolios.

Among schemes that focus on large-sized companies, Aditya Birla Sun Life Frontline Equity has distinguished itself from its peers because of its stellar performance. Fund manager Mahesh Patil has outperformed even the scheme’s peers in the past 10 years. In the past 5- and 10-year period, the scheme has given 17% and 15% returns while its benchmark, Nifty50, has given 14% and 11% returns, respectively, during the same period. In the past six months, Patil has selected companies trading at fair valuations, such as Reliance Home Finance, Bharat Financial Inclusion, and Chennai Petroleum Corporation.

SIPs are Best Investments as Stock Market s are move up and down. Volatile is your best friend in making Money and creating enormous Wealth, If you have patience and long term Investing orientation. Invest in Best SIP Mutual Funds and get good returns over a period of time. Know which are the Top SIP Funds to Invest Save Tax Get Rich – Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

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You can write to us at

Invest [at] SaveTaxGetRich [dot] Com

How mutual fund investors can benefit from rising interest rates

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The fall in interest rates which we have witnessed since April 2014 seems to have taken a pause. And, thanks to rising oil prices and rising inflation, interest rates are on its way up. The 10-year G-Sec yield has already moved from 6.46% to 7.82% over the last one year and is all set to cross the 8%-mark anytime soon. Sensing the inflationary conditions, RBI, in its latest June policy monetary meeting had increased the repo rate by 0.25% after a gap of almost four years and is expected to increase it further in this calendar year itself.

Taking advantage of rising rates

Inspite of rising cost of funds for the banks which would hurt the borrowers, debt investors may position themselves in a way to take advantage of the situation. This is creating an opportunity for investors looking to generate competitive returns from debt investments. Such investors need to capitalise from such a rising interest rate scenario. Investing in debt mutual funds provide a better alternative during the rising interest rate scenario. However, investors need to be careful with the choice of debt mutual funds as not all of them may generate decent returns. Recently, Sebi had reclassified funds including debt funds into 16 categories based on the duration of the underlying securities.

When interest rates are looking to go up, choose funds with shorter maturity profile like the short-term funds or ultra short term funds. When the interest rate rises, the price of existing bonds fall as there is expectation of higher rates on newer bonds. As prices fall, so do the NAV of the debt mutual funds. The impact, however, is more pronounced in debt funds with underlying securities which have longer maturity profile than on the shorter term funds. Such funds, therefore, provide stable and steady returns in rising interest rate scenario.

In addition to these funds, the conservative investors may consider liquid funds and fixed maturity plans. Importantly, avoid long-term funds as they may even result in the loss of capital when rates show rising trend. Till the rates are on the upward swing, stay invested in shorter duration funds.

Bank deposits

While interest rates of certain bank fixed deposits have increased, the post-tax return and the real return post-inflation may still be low compared to other alternative investments. Conservative investors looking for fixed return may alternatively consider fixed deposits of reputed companies with decent ratings. Their return overshadows bank deposits yet provide safety to the principal invested.

When interest rates rise, the tendency of investors is to park funds in fixed income investments. But, during these times, when interest rate shows a rising trend, the investors needs to be re-looking at the risk-return equation. As the G-Sec yield rises, so do the risk-free return and therefore the risk should be given importance over returns. As and when the interest rate cycle turns, investment in companies offering higher rate may face default risk.

Remember, debt funds are best suited for generating better tax-efficient returns when one’s goals are short to medium term in nature. They, anyhow, are not meant for wealth creation over the long term. While retired and senior citizen investors may consider them as a part of their debt portfolio to meet their regular income needs, others may consider debt funds as a de-risking strategy when nearing their goals.

SIPs are Best Investments as Stock Market s are move up and down. Volatile is your best friend in making Money and creating enormous Wealth, If you have patience and long term Investing orientation. Invest in Best SIP Mutual Funds and get good returns over a period of time. Know which are the Top SIP Funds to Invest Save Tax Get Rich – Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

OR

You can write to us at

Invest [at] SaveTaxGetRich [dot] Com

Axis Bluechip Fund

HOW HAS Axis Bluechip Fund PERFORMED?
With a 7-year return of 14.86%, the fund has outperformed the benchmark index (12.33%) and the category average (12.21%).

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Where does Axis Bluechip Fund invest?
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Should you buy Axis Bluechip Fund?
Axis Bluechip Fund has an impressive track record of outperformance. It emphasises on quality and growth in its stock picks, favouring companies with improving cash flows and higher earnings visibility. While the fund tends to maintain a compact portfolio, it has cut down on the number of stocks sharply in recent times in response to the prevailing market conditions where only some select stocks are doing well.

Axis Bluechip Fund manager is comfortable taking large positions in a some high-conviction bets with the aim of delivering higher outperformance. The fund is adept at containing the downside better than its peers. This has held it in good stead over the long term, even as it has risked not matching peers during a market uptick. The fund has proven to a dependable offering in this category.

SIPs are Best Investments as Stock Market s are move up and down. Volatile is your best friend in making Money and creating enormous Wealth, If you have patience and long term Investing orientation. Invest in Best SIP Mutual Funds and get good returns over a period of time. Know which are the Top SIP Funds to Invest Save Tax Get Rich – Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

OR

You can write to us at

Invest [at] SaveTaxGetRich [dot] Com

How to Invest in Debt Markets when Its volatile

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Equity has fresh competition. In volatility that is. Gilts have turned pretty volatile the last few months so much so, that at times, they behave like small-cap stocks! Debt markets have been swaying based on the season’s sentiment. Analysis of the movement post August last year shows the swings, thus reflecting the changing moods of the market. A year ago, it was all looking benign to the extent that some felt the RBI was behind the curve on cutting rates.

Broken sentiment

A series of events and news flows dented the confidence of the markets. From fears of the government breaching the borrowing target as a result of a tight fiscal deficit target to the nervousness post Gujarat elections, all the way to the Union Budget, we witnessed relentless pounding of long-end gilts. News bytes coming out of the RBI added to the already battered sentiment. Despite a bit of fire-fighting by the government, the back of the market was already broken.

The Union Budget threw up more questions and despite the government’s pronouncements, newer fears capped any semblance of positive sentiment. In the space of 3-4 months, the 10-year has swung from 7.15% to 7.88%. If one were to track the 10-year gilt from March 2017, it has moved from about 6.69% all the way to about 7.88%. To put this in perspective, the current 10-year benchmark security, i.e., 7.17% GOI 2028 was issued on January 8, 2018 at Rs 100. This security was traded around Rs 95.33 on May 25, 2018. This meant an absolute loss of 4.67% in a matter of months! On an annualised basis this is -12.44%. Remember, we are talking debt returns and not equity movement.

Equity investors would be pardoned if they think the range was too small by their market standards. Only bond investors would understand the anxiety during swings such as these. From bleeding bank treasuries to retail investors licking the wounds through their debt MF investments, large parts of the participants saw valuations take a knock down.

What now?

Election year concerns along with PSU bank write-offs will continue to haunt markets. This time around even shorter-term bonds have lost value on the back of tightening liquidity. As cash in the public’s hands has gone back to pre-demonetisation days, liquidity with banks have come down. With the currency weakening sharply, RBI has had to intervene to cool the runaway movement, thus sucking INR liquidity.

What should investors do?

After enjoying high returns for a couple of years, the last one-year returns on bond funds have started to weaken. While 2016 was a year of double-digit returns, the latter half of 2017 saw sentiment turn and returns have since trended down. The best bet is to retain existing investments so long as the time frame is 3 years and above. Importantly, return expectations need to be reset to around 7-7.50%, especially since inflation has also come off from the lofty levels that were seen until the RBI started targeting the Consumer Price Index.

Nervous investors who cannot weather volatility can switch to short-term funds. If a lock-in is something they can consider, Fixed Maturity Plans (FMP) offer a compelling alternative. With short- to medium-term yields elevated, these FMPs can deliver attractive returns without having to compromise on the credit quality.

Tax-free bond yields in the secondary markets have inched up over 6.25% and offer a safe bet. Non-tax or low tax bracket investors would have an opportunity to get higher returns on fresh fixed deposits and NCD investments. Here, we wish to caution investors that it is better to stick to well rated and better known entities, rather than go for lower credit instruments. After all, investors get into debt investments for safety over higher returns.

In summary, one needs to realise that every now and then bond markets suddenly wake up to remind the world of its existence. At times when rates soften, bond investors rejoice, whereas, when rates harden, the story takes a bad turn.

SIPs are Best Investments as Stock Market s are move up and down. Volatile is your best friend in making Money and creating enormous Wealth, If you have patience and long term Investing orientation. Invest in Best SIP Mutual Funds and get good returns over a period of time. Know which are the Top SIP Funds to Invest Save Tax Get Rich – Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

OR

You can write to us at

Invest [at] SaveTaxGetRich [dot] Com

Largecap Mutual Funds a better choice than new Aggressive Hybrid Funds

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Your balanced schemes are not balanced anymore. After the re-categorisation of mutual fund schemes, erstwhile equity-oriented hybrid schemes or balanced schemes are now called aggressive hybrid funds. As per the new investment norms, these schemes would invest around 65-80 per cent in stocks and 20-35 per cent of the corpus in debt. Earlier, most schemes used to invest around 65 per cent in stocks and the remaining corpus in debt. Against this backdrop, are aggressive hybrid schemes suitable for conservative investors, looking to create long-term wealth without much volatility?

The new name suits the product very well. It is an aggressive fund. It does have a debt cushion, but the management will look for opportunities and manage the fund aggressively. So, this doesn’t make a good pick for a conservative equity investor. If you can take a little extra risk, it is definitely a good category of schemes for first-time Investors.

But investors need to keep in mind that these schemes can invest 80 per cent of their corpus in smallcap as well as midcap stocks

That introduces a new problem: As per the new investment norms for aggressive hybrid funds, as Oberoi points out, they have the freedom to invest as much as 80 per cent in stocks in any market capitalisation. Most equity-oriented hybrid schemes used to invest mostly in largecap stocks, with some investments in midcap stocks. Last year, these schemes were in news when some of them aggressively invested in some risky midcap and smallcap stocks.

In this backdrop, are largecap schemes a better option for conservative equity investors? As per the new norms, largecap schemes are mandated to invest 80 per cent of their corpus in top 100 companies, making them a safer avenue among equity funds.

While the two categories are not comparable, investing in largecap funds means a 100 per cent exposure to equities. In the aggressive hybrid schemes, the fund manager has an option to move to debt when the equity markets are down, thus minimising risk. Largecap schemes have always been an ideal investment product for conservative equity investors, but for investors who want to earn a little extra returns but do not have a Risk appetite for small and midcaps should opt for the aggressive hybrid funds

A mixed portfolio of equity and debt has always been the strength of equity-oriented hybrid schemes. These schemes offer the freedom to the fund manger to book profits and switch between equity and debt based on market conditions. However, if an investor were to do the same, s/he would incur taxes.

But with the equity and debt market in doldrums, aren’t hybrid funds more vulnerable. Equity market is listless, and debt market is nervous about hikes in rates. Won’t hybrid schemes be hit from both the sides? Compared to this, even when the going gets tough, largecap stocks are likely to suffer the least.

By the new mandate, largecap schemes will have to have 80 per cent of their assets in equity at all times. Hybrid schemes have an edge over them here. Yes, in a situation, where the rates are going up and the debt markets are volatile, the hybrid funds can be doubly hit but that is the risk that we take in all investments. Chances of both the asset classes going down at the same time are rare

Investors should get into hybrid schemes only for the long term. Sure, the debt markets are not performing now. But the investors are not investing for a year or two. They are long-term investors and the markets will change many shapes till then,

SIPs are Best Investments as Stock Market s are move up and down. Volatile is your best friend in making Money and creating enormous Wealth, If you have patience and long term Investing orientation. Invest in Best SIP Mutual Funds and get good returns over a period of time. Know which are the Top SIP Funds to Invest Save Tax Get Rich – Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

OR

You can write to us at

Invest [at] SaveTaxGetRich [dot] Com