Investing SIP for Longer Term

Best SIP Funds to Invest Online

SIP or systematic investment plan is an investment strategy

Here are three things to know while doing SIP for longer term:

Remain Focused: While choosing funds for making investments one need to be focused towards their financial goal. For example: Planning an SIP for next 15 years to fulfill one’s child education goal.

Maintain Discipline: The approach should be of investing every month, even if it is a little amount to achieve long-term financial goals.

Have Patience: You may not get good returns every time due to market fluctuations. However, if you are invested for a longer period of time, say about 5 to 10 years or even more, you will never get disappointed. The average returns over a period time can beat inflation and help you generate a good corpus. Therefore, having patience is a key to achieve one’s long-term financial goal.

SIPs are Best Investments 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 – 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

BNP Paribas Long Term Equity Fund

Best SIP Funds to Invest Online

HOW HAS THE FUND PERFORMED?
With a 10-year return of 10.20%, the fund has outperformed the benchmark index (9.69%) but has failed to beat the category average (11.10%).

Growth of Rs 10,000 vis-a-vis category and benchmark

SIPs are Best Investments 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 – 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

Aditya Birla Sun Life Tax Relief 96 Fund

Best SIP Funds to Invest Online

Aditya Birla Sun Life Tax Relief 96 scheme seeks long-term capital growth and will invest approximately 80 per cent of its assets in equity, while the balance would be a invested in debt and money market instrument. It was converted to an open-ended scheme with effect from July 1999. A combination of top down & bottom up approach will be followed in the stock selection process.

Aditya Birla Sun Life Tax Relief 96 is One of the oldest ELSS funds, this fund sported a three-star rating for many years but has shown a material improvement in performance since 2014, climbing to the five-star ranking recently. The fund has been consistently overweight on mid-caps relative to the category, with about 40 to 50 per cent allocation in large-caps and about 50 per cent in mid-caps in recent times.

Aditya Birla Sun Life Tax Relief 96 fund suffered quite a bit of fund manager shuffle in its initial years until 2006. The management team has remained very stable since then, with Ajay Garg at the helm since 2006.

Aditya Birla Sun Life Tax Relief 96 fund follows a multi-cap, bottom-up strategy. It uses a 360 degree view of a company in order to invest in compelling businesses, without any market-cap bias.

The investment philosophy of the fund is to invest in quality companies. It hunts for companies run by professional managements, which have predictability of earnings and strong moats. The portfolio reveals quite a few unconventional mid-cap picks as top holdings. The fund’s quality bias has also led to a number of MNC stocks figuring among stock choices.

Aditya Birla Sun Life Tax Relief 96 fund struggled to beat its benchmarks and peers in 2010 and 2011 but pulled up its socks from 2012, faring very well in the first two years of this bull market, in 2014 and 2015. The three year return is now over 4 percentage points ahead of the benchmark returns and 1 percentage point more than the category returns. The five year record shows a near 2 percentage point differential.

Overall, Aditya Birla Sun Life Tax Relief 96 is a fund that sticks to quality mid-caps for the long haul.

SIPs are Best Investments 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 – 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

Sundaram Equity Hybrid Fund

Best SIP Funds to Invest Online

Sundaram Equity Hybrid Fund Objective

Ø To generate capital appreciation and regular income, through a judicious mix of investments in equities and fixed-income securities

Sundaram Equity Hybrid Fund Characteristics

Ø A mix of investments in equities (65%-75%) and fixed income securities (35%-25%).

Ø Steady accrual income offsets uncertain equity returns during down markets while in up-markets accrual income combines with equity appreciation to provide higher returns.

Ø High risk/return characteristics of equity and lower risk/return characteristics of debt combines to provide a self-balancing asset allocated portfolio.

Sundaram Equity Hybrid Fund PORTFOLIO STRATEGY – EQUITY

Ø Optimally diversified portfolio of about 40-45 stocks.

Ø Multi cap style with a large cap bias.

Ø Large cap range : 40% – 60% ; Mid & small cap range : 5%-35%.

Ø Investing style would be growth oriented with a GARP bias.

Ø Diversified portfolio across mkt cap and sectors with a focus to generate consistent and steady returns.

Sundaram Equity Hybrid Fund PORTFOLIO STRATEGY – FIXED INCOME

Ø The 10 year Gsec yields has risen by almost 1% in this financial year. This was due to high inflation expectations, global market volatility and fiscal slippage. This sharp uptick of yield has made long bonds an attractive proposition for new investors willing to ride out short term volatility.

Ø The Fund will invest mostly invest in AAA and AA rated bonds. The objective is to generate an attractive yield without compromising on credit quality

Ø Current Duration of Portfolio: 2.72 years.

Ø Current Maturity of Portfolio: 3.43 years.

Ø Current Yield To Maturity: 8.70%.

Sundaram Equity Hybrid Fund Performance:

Balanced-Equity Oriented Data: 22 May 2018
Fund / Benchmarks AUM NAV Returns (%)
Rs. Crore Rs 1 Day 7 Days 14 Days 1 Month 3 Month 6 Month 1 Year 2 Years 3 Years 5 Years Since Launch Launch Date
Sundaram Equity Hybrid Fund – Regular Plan 1009 84.37 0.31 -1.69 -1.51 -1.01 2.33 2.46 9.56 15.44 9.17 10.93 12.64 23-Jun-00

SIPs are Best Investments 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 – 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

DSP BlackRock Small Cap Fund

Best SIP Funds to Invest Online

DSP BlackRock Small Cap Fund aim of the fund is to seek long-term capital appreciation by investing in a portfolio that is substantially constitutes of stocks of small cap companies.

DSP BlackRock Small Cap Fund has always been both valuation and quality conscious, unwilling to compromise on either for quick gains. It selects companies which have great managements, free cash flows, decent long-term ROCEs and competitive advantages. It has a CAGR of about 19 per cent since its launch, with a low portfolio turnover of 25 per cent, is a testimony to the success of its buy and hold credo. Despite the lag in the last one year, the fund’s five-year returns are ahead of the category by about 2 percentage points, at about 34 per cent, and the 10-year CAGR is 3 percentage points ahead, at 20 per cent. The fund is a good option in a shaky market. It handled well the bear phases in 2008 and 2011.

DSP BlackRock Small Cap Fund is, however, not accepting both new SIPs and lump-sum investments currently and only older SIPs continue to be accepted. Wait till the fund starts accepting new inflows.

SIPs are Best Investments 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 – 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

Franklin India Smallcap Fund

Best SIP Funds to Invest Online

Franklin India Smaller Companies Fund

Franklin India Smallcap Fund scheme aims to provide long-term capital appreciation by investing in mid and small cap companies. Normally, it would invest atleast 75 per cent of its assets in smaller companies.

A focus on hard core fundamentals makes Franklin India Smaller Companies Fund a good pick for investors to avoid the big mistakes of small-cap investing. For the last 10 years and over two whole market cycles, the fund has demonstrated a consistent ability to deliver benchmark-beating performance. It looks for companies which can compound their earnings at a high rate, with good returns on capital, low capital intensity and capable management. It has been a strong outperformer in undervalued markets and shows moderation during big bull phases, a useful quality to contain losses as Indian markets turn more volatile and correction-prone.

This has been one of the few funds not to shut its gates to new inflows and believes in finding investible opportunities in all kinds of markets. It has leeway to hold up to 35 per cent of its portfolio in large caps.

SIPs are Best Investments 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 – 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

Where SOA MF Buying scores over demat

Best SIP Funds to Invest Online

statement of account (SOA)

Till about a year or so back, liquid funds were not available on stock exchanges through the demat mode. Now, liquid funds are available in demat mode, but you cannot buy and sell the units in a single day. Many large investors park money in a liquid fund for overnight duration only. If you buy liquid funds before 2pm, you get the day before’s net asset value. And if you sell the same units before 3pm on the same day, you will get money the next day, at previous day’s (today’s) net asset value. In the demat mode, the crediting of units and the subsequent debiting of units takes time since it happens at the depository participant’s end.

You can, however, buy a liquid fund in an SOA format on the stock exchange and then buy and sell the same day in the SOA format.

The operation is tedious for demat holdings, as units and money go through the stock broker’s pool account. The broker has to reconcile the accounts on a daily basis to segregate investors’ units and monies on a daily basis.

The delay and difficulty in reconciling the books on a daily basis is also the reason why daily dividend plans of liquid funds are also not available in demat mode. There is no such problem if you hold units in SOA format.

If you hold units in demat, you also cannot do a systematic transfer plan. Some brokers (on their own) offer systematic withdrawal plan, but not everyone. Systematic investment plans (SIP) and switches (between schemes of same fund house), though, are permitted in demat holdings.

Earlier, buying mutual fund units in demat form used to make sense if you already had a demat account and bought and sold equity shares of companies, as also bonds and non-convertible debentures. In that case, your demat account statement offered a consolidated view of all holdings. But from 2015, you get a consolidated account statement (CAS) for all your securities holdings, including mutual funds, irrespective of whether the latter are dematerialised or not.

An alternative to the liquid fund’s demat holding conundrum is a liquid exchange-traded fund. Here, you can avail daily dividend plans and buy and sell the same day.

SIPs are Best Investments 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 – 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

SBI Magnum Multicap Fund

Best SBI SIP Funds Online

SBI Magnum Multicap Scheme

One of the key challenges facing most investors nowadays is steep valuation of a large number of mid-sized companies. This almost limits the scope for alpha generation across sectors. Therefore, long-term investors should consider multi-cap schemes. As the valuation gap between large cap and mid-sized companies widens, it makes sense to be with multi-cap schemes. Going by the nature of multi-cap schemes, investors get the best of companies of all sizes -large or small.

Among multi-cap schemes, SBI Magnum Multicap Fund has distinguished itself over a long period of time by recording consistent performance in most cycles of markets. The scheme invests 50-90% in large-cap stocks, 10-40 % in mid-cap stocks and up to 10% in smallcap stocks. This diversification has worked for the scheme. In the past threeand five-year periods, the scheme has delivered 19.7% and 21.4% returns, while its benchmark, S&P BSE500, has given 12.7% and 14.3% returns during the same period.

In the past six months, the SBI Magnum Multicap Fund scheme’s fund manager, Anup Upadhyay, has bought stocks that reflect his focus on value and growth themes. In selecting these stocks, he has zeored in on large-sized companies by balancing it with a reasonably good exposure to mid-andsmall-sized companies. A few prominent companies which are part of the scheme’s portfolio include ONGC, ICICI Bank, NTPC and Yes Bank.Investors with at least three years of investment horizon may consider investing in 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

For further 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

ICICI Prudential Dynamic Plan

Best SIP Funds to Invest Online

ICICI Prudential Mutual Fund has re-categorized ICICI Dynamic Plan as a multi-asset fund. The scheme will be called ICICI Prudential Multi-Asset Fund. ICICI Prudential Dynamic Plan was a multicap fund that used to invest across market capitalisation. The new scheme will invest in multiple assets like equity, debt, gold, etc.

the re-categorisation of the scheme has created a lot of confusion among investors. They believe the similarity in names — multicap and multi-asset — is adding to the confusion.

According to the Sebi circular on categorisation of mutual funds, multi-asset schemes will invest in at least three asset classes, with a minimum allocation of at least 10 per cent each in all three asset classes. For example, a scheme investing in equity, debt and gold will qualify as a multi-asset scheme. A muilticap scheme, on the other, is an equity scheme that would invest across market capitalisation. Multi-asset schemes are categorised under the hybrid category.

Many advisors believe the change amounts to a total departure from the earlier mandate, and investor should seriously consider quitting the scheme. There is no similarity apart from the names. The scheme is undergoing a mandate change which will change the portfolio of investors. If there is a change in the portfolio, investors should switch

The scheme will now invest in three assets, for example, equity, debt and gold. Investors who are not interested in such an allocation can move out. But, those who are interested to hedge their portfolios with another asset can stay put,

The existing unit holders of the scheme have an option to exit — that is, either redeem their investments or switch their investments to any other schemes of ICICI Prudential Mutual Fund, within 31 days, starting from April 25 to May 25, at applicable NAV, without payment of any exit load. However, exiting the scheme will incur either short-term capital gains tax of 15 per cent or long-term capital gains tax of 10 per cent.

you should stay invested in the new scheme only if you have plans to diversify into multi-asset schemes.“If you are interested in the new category of multi-asset funds, you can stay invested. You can invest the extra money in a new multicap scheme. This way you can save on the taxes

SIPs are Best Investments 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 – 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

SBI Magnum Multicap Scheme

Best SIP Funds to Invest Online

SBI Magnum Multicap Scheme – A multi-cap scheme would be a good choice for investors who are not singularly focused on having a concentrated portfolio. A key advantage of investing in a multi-cap scheme is that the fund takes into account most growth stories that play out across sectors and companies of all sizes. After an encouraging third quarter numbers of FY18, it would be interesting to see how growth stories emerge in companies across market capitalisation.

Therefore, by investing in multi-cap schemes, investors can improve the chances of getting the best of companies of all sizes. Among multi-cap schemes, SBI Magnum Multicap Fund has distinguished itself by performing consistently during most market cycles. The scheme invests 50-90% in large-cap stocks, 10-40% in mid-cap stocks and up to 10% in small-cap stocks.

This diversification has worked well for the scheme. In the past three-year and five-year periods, it has delivered 12% and 20% returns, while its benchmark, S&P BSE500, has given 7% and 14% returns during the same period. In the past six months, the scheme’s fund manager Anup Upadhyay has invested in various themes, which could work well in the long term. His top picks include segment leader Ultratech Cement to NBFC giant Bajaj Finance.

SIPs are Best Investments 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 – 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