DSP BlackRock Opportunities Fund

Investors who believe in the long-term growth story of Corporate India can consider investing in multi-cap scheme DSP BlackRock Opportunities. It has distinguished itself as a consistent performer in the one-and-a-half decades of its existence.

The scheme’s fund manager Rohit Singhania follows a bottom-up approach in selecting stocks which are expected to demonstrate high earnings’ growth in the next two-and-a-half years. In choosing stocks, he looks at a long history of valuations -preferably ten years. After comparing a stock’s current valuation with respect to its historical valuation and also its peers’, Singhania takes into account various return ratios – return on equity, return capital employed -and cash flow to arrive at a investment decision.

This strategy has paid off as the scheme has consistently beaten its benchmark Nifty 500. In the past three-year and five-year periods, the scheme has given 23.5% and 19.5% returns, respectively, while it 23.5% and 19.5% returns, respectively, while benchmark Nifty 500 has given 15.2% and 13.6 % returns in the same period, respectively. At present, Singhania is bullish on companies which belong to materials and industrials sectors.

In these sectors, Singhania prefers companies which have completed their capital expenditure, gained market share despite rise in valuation, decent order book and relatively better balance sheet (debt to equity ratio in the range of 1-1.25).These companies are L&T, Maruti Suzuki and Hindalco.

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Invest Rs 1,50,000 and Save Tax upto Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds

Top 10 Tax Saver Mutual Funds for 2018

Best 10 ELSS Mutual Funds to invest in India for 2018

1. DSP BlackRock Tax Saver Fund

2. Invesco India Tax Plan

3. Tata India Tax Savings Fund

4. ICICI Prudential Long Term Equity Fund

5. Birla Sun Life Tax Relief 96

6. Franklin India TaxShield

7. Reliance Tax Saver (ELSS) Fund

8. BNP Paribas Long Term Equity Fund

9. Axis Tax Saver Fund

10. Birla Sun Life Tax Plan

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ICICI Prudential Dynamic Plan

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ICICI Pru Dynamic Plan completes 15 great years of wealth creation – a period in which investor wealth grew by 23x, at a huge 24% CAGR. The biggest lesson Naren says his team imbibed in this eventful 15 years journey, is that markets are truly dynamic – gyrating from extreme pessimism to extreme optimism and vice-versa. That’s where the dynamism of this fund comes handy – it can move from aggressive to conservative in its equity stance, even as it searches for value across other asset classes including bonds, offshore equity and going forward, REITs and InvITs.

Performance Scoreboard

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Past performance may or may not be sustained in future. Performance data refers to growth plan. #Inception date of growth plan: October31, 2002. ^Inception of dividend plan: January 09, 2004. Source: MFI Explorer. Data as of Sep 30, 2017.

Consistent Performance

ICICI Prudential Dynamic Plan has outperformed in each year except in 2007, when markets were in bubble territory

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Past performance may or may not be sustained in future. Inception Date: October31, 2002. Source: MFI Explorer.

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Active Fixed Income Allocation

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The portfolio of the scheme is subject to changes within the provisions of the Scheme Information Document of the Scheme.

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

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Invest in IDBI Equity Advantage Fund to Save Tax

SAVE TAX....Invest in IDBI Equity Advantage Fund2018-01-12: 69f09fae

Invest Rs 1,50,000 and Save Tax up to Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds. Save Tax Get Rich

Top 10 Tax Saver Mutual Funds for 2018

Best 10 ELSS Mutual Funds to Invest in India for 2018

1. DSP BlackRock Tax Saver Fund

2. Tata India Tax Savings Fund

3. Birla Sun Life Tax Relief 96

4. ICICI Prudential Long Term Equity Fund

5. Invesco India Tax Plan

6. Franklin India TaxShield

7. Reliance Tax Saver (ELSS) Fund

8. BNP Paribas Long Term Equity Fund

9. Axis Tax Saver Fund

10. Sundaram Diversified Equity Fund

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Tata India Tax Savings Fund – Best ELSS Fund

Tata India Tax Savings scheme seeks long-term capital growth. Investments in equity would be at least 80 per cent of the corpus, while allocation to debt and money market instruments can go up to 20 per cent.

Tata India Tax Savings Fund suffered a bad patch from 2008 to 2010 but got its act together in the last six years, it has climbed to a four-star rating lately. The fund’s mid-cap allocations, its focus on growth-style investing and penchant for buying quality stocks, which have been huge gainers in this rally, have all lifted performance. The fund’s strategy relies on buying businesses which have compounding characteristics, strong growth potential and high capital efficiency. A part of the portfolio is allocated to stocks in special situations arising out of the market, industry or company developments. This ‘value’ characteristic is likely to have helped the fund’s returns in the last one year, when cyclicals have bounced back and purely quality-focused funds have suffered a setback in returns.

Tata India Tax Savings Fund performance relative to the category and the benchmark was somewhat patchy until 2009 but has seen improvement in the last five years. Historically, this fund has been good at containing losses during bear phases such as 2001, 2008 and 2011. It barely beat its benchmark during bull phases like 2006 and 2009. But it has aced this particular bull phase from 2014. The fund maintains a 45-60 per cent allocation to large-cap stocks and 25-35 per cent to mid caps. In the last few months, large caps have made up about 45-50 per cent of the assets.

Tata India Tax Savings Fund is for investors with some risk appetite and who seek a multi-cap approach to tax-planning.

Invest Rs 1,50,000 and Save Tax upto Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds

Top 10 Tax Saver Mutual Funds for 2018

Best 10 ELSS Mutual Funds to invest in India for 2018

1. DSP BlackRock Tax Saver Fund

2. Invesco India Tax Plan

3. Tata India Tax Savings Fund

4. ICICI Prudential Long Term Equity Fund

5. Birla Sun Life Tax Relief 96

6. Franklin India TaxShield

7. Reliance Tax Saver (ELSS) Fund

8. BNP Paribas Long Term Equity Fund

9. Axis Tax Saver Fund

10. Birla Sun Life Tax Plan

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For further information contact SaveTaxGetRich on 94 8300 8300

Franklin India Taxshield Fund

Franklin India Taxshield Fund

  • Investment Style: Large Growth
  • Investment Process: A research-driven investment approach with a focus on reasonably valued stocks
  • Fund Manager: Lakshmikanth Reddy
  • The fund is helmed by Lakshmikanth Reddy, who joined the fund company on May 2016, with R. Janakiraman as the named comanager.

While earlier it had a more definite mandate of investing around 70% in large-cap stocks and 30% in small/mid-cap stocks, it is now managed with a flexi-cap approach, which enables the manager to invest without paying heed to the benchmark index, market cap, or any specific style of investing. The change in the strategy is largely to align it with Reddy’s skill-sets and to capture wider range of investment opportunities in the fund. Although the investment team has a reasonably good track record in running flexi-cap strategies, which is positive, it should be noted that it will also change the fund’s risk/reward profile going ahead. Further, the changes here have made the fund’s past track record less relevant.

Earlier, the fund’s Morningstar Analyst Rating of Gold was driven by our conviction in Radhakrishan’s managerial skills and his ability to execute the strategy with a good degree of precision. Reddy, on the other hand, shows promise, but his execution capabilities remain untested, which is critical for the success of this fund given the nature of its strategy. Hence, in our opinion, a downgrade here is inevitable.

That being said, Reddy’s extensive research experience will aid him in his job. Furthermore, he is supported by a close-knit investment team that ranks among the best in the industry. We are fairly impressed with its disciplined investment approach and believe that it should hold the fund in good stead. Therefore, despite the downgrade, the fund merits a positive rating.

Invest Rs 1,50,000 and Save Tax up to Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds. Save Tax Get Rich

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IDFC Banking Debt Fund

The IDFC Banking Debt Fund has proposed to change its erstwhile strategy of building typically around 12 month portfolio of Bank CD at the end of financial year and run down maturity. The strategy used to work as the borrowings by banks used to peak around year end and decline as the new financial year started.

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· As per current environment where banks are no more showing aggression to borrow as the credit off take is benign and liquidity is surplus due to demonetisation, the above mentioned strategy is not looking attractive.

· Banks have aggressively cut MCLR and current situation is that the bank reference rate (MCLR) and the corporate bond spreads have shrunk from over 200 basis to 60/70 basis.

· With low credit off take, easy liquidity conditions and RBI expected to keep a long pause on rates, the banking system is not in a position to raise rates.

· Given this back drop, we think that the corporate bond rates has little room to delink from MCLR and thus gives a lot of comfort for building a short term portfolio.

As a result, IDFC Banking and PSU Debt Fund* will run a dominant Banks, PSU and PFI bond book with an aim to generate a higher carry in the short term space.

* Change in name will be effective June 12, 2017

Invest Rs 1,50,000 and Save Tax up to Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds. Save Tax Get Rich

Top 10 Tax Saver Mutual Funds for 2018

Best 10 ELSS Mutual Funds to Invest in India for 2018

1. DSP BlackRock Tax Saver Fund

2. Tata India Tax Savings Fund

3. Birla Sun Life Tax Relief 96

4. ICICI Prudential Long Term Equity Fund

5. Invesco India Tax Plan

6. Franklin India TaxShield

7. Reliance Tax Saver (ELSS) Fund

8. BNP Paribas Long Term Equity Fund

9. Axis Tax Saver Fund

10. Sundaram Diversified Equity Fund

Invest in Best Performing 2018 Tax Saver Mutual Funds Online

Invest Best Tax Saver Mutual Funds Online

Download Top Tax Saver Mutual Funds Application Forms

For further information contact SaveTaxGetRich on 94 8300 8300

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Managing SIPs

How to Manage SIPs

The Systematic Investment Plan is a powerful tool to create long-term wealth by starting with as little as `500. To build a sustainable corpus, one should top up these investments as income rises. However, investors must not compromise their current cash needs with too restrictive SIP commitments.

Mutual funds have tailor-made SIPs to help investors efficiently manage them.The facilities allow investors to alter SIPs according to different life situations.

Registration

An enrolment form must be filled up to register for an SIP. The scheme, SIP date, amount, start date and frequency must be added. It is a good idea to opt for the “perpetual“ option so that the SIP does not stop midway. If this option is not available, a date long enough to complete the goal may be chosen.

Step up SIP

As and when incomes rise, a step up SIP can be used to increase the SIP amount.The SIP instalment will increase at predetermined intervals to match the rise in income level of the investor. A step up SIP form needs to be filled at the time of SIP registration to use this facility. This facility is also known as top up SIP.

Pause SIP

In a cash crunch, one may not want to completely stop SIPs but put them on hold for a while till the situation eases. A pause SIP form may be used to do this. The period for pausing the SIP can be mentioned in the form. A bank mandate also needs to be filled and submitted.

Flexi SIP

Many fund houses provide flexible SIP options that allow changes in SIP amounts based on occurrence of certain events or triggers. These triggers may be based on certain pre-determined formula (eg. index level or target amount). Flexi SIP forms need to be filled with minimum and maximum SIP instalment that can be opted.

Registering an auto debit mandate ensures continuity of SIP instalments.

It is important to read instructions applicable to each of these facilities before enrolment.

Invest Rs 1,50,000 and Save Tax up to Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds. Save Tax Get Rich

For further information contact SaveTaxGetRich on 94 8300 8300

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