Tata Retirement Savings Fund

Best SIP Funds to Invest Online

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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

International Funds

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International mutual funds are topping the return charts. The category has returned around 20 per cent in one year. Should retail investors bet on these schemes?

The international fund category has given an average return of 3.69 per cent in the last three months and 19.24 per cent in a year. Toppers in the category have returned as much as around 40 per cent returns in a year. DSP BlackRock World Mining Fund has offered 39.25 per cent returns last year. Similarly, Edelweiss Greater China Equity Off-shore Fund has returned 37.51 per cent in the same time.

Lately, the US-based funds have been doing well because the US market has continuously been performing for a few years now. Apart from that, in the emerging markets, schemes investing in China and other related markets have been outperforming. Schemes with extra exposure to technology stocks have also outperformed

The mutual fund schemes that invest in foreign markets are termed as international schemes. Though there are no clear sub-categories of the international funds, they are broadly either country-specific international funds, commodity-based international funds or thematic funds. Some of the international funds are theme based and invest in sectors such as consumption, energy, real estate and agriculture.

Retail investors may not be able to factor in currency rates and the happenings in global markets. If you have extra money after investing for your regular financial goals, you can invest in international funds but make sure you have a good advisor or you are well aware of the market that you are investing in

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

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You can write to us at

Invest [at] SaveTaxGetRich [dot] Com

DSP BlackRock Focus Fund

Best SIP Funds to Invest Online

HOW HAS DSP BlackRock Focus Fund PERFORMED?
At 11.30%, the fund’s 7-year return mirrors the benchmark index (11.41%) and has marginally outperformed the category average (10.60%).


Should You Invest in DSP BlackRock Focus Fund?
DSP BlackRock Focus Fund has executed its mandate of running a focused portfolio fairly well over the years. It takes a distinct large-cap tilt, investing at least 75% of its corpus in the segment.

Currently, it has an even heavier exposure to largecaps.

The emphasis remains on picking businesses with healthy cash flows, return on equity and earnings visibility. The fund sticks with its focused approach, taking large positions in its top picks that allows meaningful contribution to the fund’s returns.

It is also heavily invested in the financials segment, which makes up around 40% of its portfolio. The fund’s approach may results in bouts of underperformance, evident by its poor showing over the past year. Aggressive investors seeking a focused play on large-caps may find it a worthy long-term bet

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

ICICI Prudential Focused Bluechip Equity Fund

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ICICI Prudential Focused Bluechip Equity Fund is not ICICI Prudential Bluechip Equity Fund

The March 2018 quarter yet again proves the resilience in earnings of large-sized companies even after several structural disruptions. Given this, it makes sense to be with a scheme which has high focus on large-sized companies and has consistently delivered superior returns in the long term.

One such scheme is ICICI Prudential Focused Bluechip Equity. One of the factors that works in the scheme’s favour is its consistency in performance. This has been the hallmark even after its leading fund manager Manish Gunwani quit the fund house. Fund managers S Naren and Rajat Chandak have been managing the consistency in its performance quite well. In the past three-year and five-year periods, the scheme has delivered 13 per cent and 17 per cent returns, while its benchmark index Nifty50 has given 10 per cent and 14 per cent returns in the same period, respectively.

This consistency in performance can be attributed to the fact the scheme follows its benchmark index quite closely. Considering this, it is quite evident the scheme has high weight to financial services companies. In the past six months, the fund managers have enhanced exposure to companies which have not participated in the rally of the past one year but hold the promise of strong earnings’ growth.

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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 Bluechip Fund

Best SIP Funds to Invest Online

SBI Bluechip Fund – A fund with significant exposure to large-sized companies and a small portion dedicated to midsized companies could be an appropriate choice for mutual fund investors looking for some amount of safety in the current market conditions wherein earnings have not caught up across sizes of companies. One such scheme investors may consider is SBI Bluechip Fund.

Two aspects have made the SBI Bluechip Fund scheme extremely attractive. One, it has consistently performed better than its peers in falling markets. This has been the scheme’s hallmark. Besides, in its category, the scheme is one of the few funds with low expense ratio. This adds to the attractiveness of the scheme in comparison with its peers.

In the past six months, the SBI Bluechip Fund has enhanced exposure to companies, which, to a large extent, reflects its value theme. These are the companies which look relatively attractive when compared to its peers and also have high revenue visibility. These names include Bank of Baroda, Bharti Airtel and Infosys.

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 MICROCAP FUND

Now Its called DSP BLACKROCK Small CAP FUND

DSP BLACKROCK MICROCAP FUND suspended fresh sales a few months ago after witnessing a surge in inflows on the back of chart-topping performances in recent years.

It was facing a challenge in building decent-sized positions apart from limited number of opportunities at prevailing valuation. To accommodate the higher corpus, it has had to expand its portfolio from around 60 stocks in December 2015 to 80-odd stocks, resulting in a longer tail in the portfolio and diluting exposure in its top bets. The fund has cut exposure to over-priced stocks and tapped cheaper bets, while ensuring that liquidity position is comfortable.

It may not be able to sustain earlier alpha (margin of outperformance over the benchmark), but continues to offer a superior risk-reward profile in its category.

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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 2017 – 2018

Best 10 ELSS Mutual Funds to Invest in India for 2017

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 2017 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

OR

You can write to us at

Invest [at] SaveTaxGetRich [dot] Com

OR

Call us on 94 8300 8300

SBI Magnum Balanced Fund

Best SIP Funds to Invest Online

SBI Magnum Balanced Fund is now called SBI Magnum Equity Hybrid Fund

Earlier known as Magnum open-end, the scheme seeks capital appreciation from a balanced portfolio of equity and debt securities.

An old timer in the category, this fund has managed a consistent improvement in performance since 2012. This has enabled a strong climb in the rankings, from two to four stars recently.

SBI Magnum Balanced Fund maintains a steady state 75-25 equity-debt mix. The equity part is multi-cap, with a higher exposure to mid-cap stocks than that of the peers. The portfolio over time has featured a 68 to 70 per cent equity portion, with the rest in debt. Usually half of the equity portfolio is large caps and the rest is mid and small-caps. But the proportion has climbed to two-thirds in favour of large-caps lately.

In the debt portion, the fund invests both in G-secs and corporate bonds for higher accrual income. A portion of the debt portfolio is deployed in high-yielding credits (minimum rating of A-) with an aim to provide stability and increase the overall portfolio yield. The balance is managed more dynamically having exposure to government bonds and liquid AAA rated credits, keeping in mind the view on interest rates. The average maturity was at about seven years as of January 2018.

SBI Magnum Balanced Fund has kept ahead of both the benchmark and the peers over three and five years perod, beating the index by 1 to 4 percentage points and just about matching peer performance. After a slip-up in relative returns in 2016, the fund was back with a bang in 2017. The fund’s long track record suggests that it has been a big outperformer in bull markets but trailed the indices in bear phases, with the NAV taking a sharp knock in 2008 and 2011. But the change in strategy since 2012 could help it in the future.

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

Total Returns Index

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Last month, in an attempt to provide better disclosure to investors, DSP BlackRock Mutual Fund decided to disclose performance of its active equity mutual funds with the Total Return Index (TRI) as a benchmark. Let’s understand what this move signifies. TRI takes into account not just the Price returns of the stocks but also the dividends paid out on the stocks. The typical dividend yield on our benchmarks is in the ballpark of 1.5% p.a.; this means that the TRI benchmark will be harder to beat by 150 bps p.a. Globally, Total Returns Indices are commonly used as the primary benchmarks for comparing fund performance, but in India this trend is just taking off.

Using TRI paints a complete picture of the alpha being generated by active fund management. Mutual funds receive dividends and the same is included in the NAV, then why shouldn’t we use a benchmark that captures these dividends so as to make a fair and transparent comparison. Historically, Indian indices have always been tracked for the Price Return, but now you can find historical Total Returns data for most indices, although they are not widely tracked yet.

We compared the alpha generated by Large Cap Funds over the broader market benchmark both on a Price Return as well as a Total Return basis. As observed over a 5-year basis the Total Return of the S&P BSE 100 is 165 bps pa higher than the Price Return. As expected the number of funds beating benchmark drops from 85% to 58% after making a comparison with the TRI instead of the PRI. That said, this still a fairly healthy number of funds beating the benchmark. The reasons for this outperformance could be multi-fold – superior stock selection, off benchmark picks, style drift, inefficient markets, etc, but that is a discussion for another day.

We believe the move towards TRI is a positive one and would expect the other asset managers will follow suit soon. Making a comparison versus the TRI paints a fair and complete picture of the comparison of the alpha being generated through active management, so that investors can take a judicious call while making their investments. Funds should adopt this higher standard of reporting which increases the transparency to investors.

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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You can write to us at

Invest [at] SaveTaxGetRich [dot] Com

OR

Call us on 94 8300 8300

Principal Tax Savings Fund

Best SIP Funds to Invest Online

How has the Principal Tax Savings Fund performed?
With a 10-year return of 10.46%, the fund has outperformed the benchmark index (9.46%) but lags behind the category average (12.06%).
MF-performance

The fund has underperformed its peers over the past decade.

Annualised performance (%)

MF-annualised-perfThe fund has outperformed over 3- and 5-year periods.
As on Jun ..

Where does the fund invest?
The fund has a multi-cap approach, and is currently tilted towards large-caps.

MF-where-invest
The fund has overweight positions in FMCG and construction relative to index.

Should you buy Principal Tax Savings Fund?
This tax-saving fund has no market-cap bias. While currently tilted towards large-caps, it has the flexibility to invest in firms with lower market-cap. The fund prefers companies that are either leaders in their segment or have scalable, sustainable business models. While its top picks are mostly index heavyweights, it is comfort able picking stocks outside the index.

Principal Tax Savings Fund has stuck with its mid- and small-cap positions, taking calibrated risk in conviction bets despite the short-term pain. It has the ability to capture higher market upside than many peers, but may fall harder during downturns. It is more suited for investors with high risk appetite.

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

Mutual Funds Scheme Consolidation

Best SIP Funds to Invest Online

To select schemes, investors will have to look at fund manager credentials, stock selection capabilities, duration and credit management across rate cycles with regard to debt schemes.

The move by market regulator SEBI to categorise and rationalise mutual fund schemes is a practical step. It simplifies and standardises mutual fund offerings, rationalises the number of schemes offered and helps investors make better decisions.

Here are the key takeaways of the move:

  1. It simplifies and standardises mutual fund offerings not just by classifying mutual funds across specific categories like equity, debt, hybrid, solutions oriented and others, but it also defines the investment mandate of each scheme.
    • Equity schemes have been classified into 10 different buckets (besides index funds) from large cap funds to sector funds
    • Debt schemes have been classified in to 16 different buckets, from liquid fund to long duration fund to credit risk fund
    • Hybrid category is demarcated in to six buckets from conservative hybrid fund to aggressive hybrid to dynamic asset allocation to multi asset fund. Interestingly the multi asset fund is redefined as the one that invests in minimum three asset class with minimum allocation to each being 10% (foreign securities will not be treated as an asset class).
    • Solution oriented funds offer investment solutions for children and retirees and
    • Others category define guidelines for index funds and fund of funds (both overseas and domestic)
  1. It rationalises the number of schemes offered by fund houses since no asset management company can have more than one fund per category. This leads to merging of certain schemes with more or less same investment mandate within the fund family. Furthermore, certain schemes are transitioning into new investment mandates – a fund house offering two large cap funds will not have to merge these schemes or may change the mandate of one fund. One of the large cap funds can now be a multicap fund, etc.
  1. It enables investors to not just to make right peer group comparison with different fund categories, but also have clearer asset allocation strategies in place. For example, the circular defines a company that falls within the first 100 companies in terms of full market capitalisations as large caps, midcap if it falls between the 101st and 250th company and small cap if beyond the 250th company.

This new norm has sound and lasting benefits for both fund managers and investors in the long run as it leads to better defined investment strategy of funds and easier evaluation of such funds on investor’s part. However in the near term, it poses a few challenges to both sides of the investment community. Fund managers have to re-orient their portfolios as per the new mandate and investors will have to review their fund holdings that have undergone change in investment strategy or merged into a fund that has a new investment objective.

For fund houses that have re-classified their product portfolio as per the new norms, it has led to certain schemes undergoing change in the fundamental attributes. For example on the equity side, a fund that used to predominantly invest in top 100 companies by market capitalisation is categorised as focused equity fund that can invest in no more than 30 stocks across market capitalisation now. Similarly, on the debt side, a fund investing mainly in AA and below rated bonds is re-categorised as ultra-short term fund.

Fundamental changes in the attributes of the scheme will lead existing investors to review allocations to such schemes so as to avoid any mismatch in investment objective and the scheme. To elaborate, funds undergoing change in investment objective/strategy will pose a challenge to investors that used to rely only on past history for investment decisions. An erstwhile multicap fund may now be a midcap fund offering different risk-return dynamics to investors.

Investors will have to add a qualitative layer of assessment in their fund selection criteria, i.e. fund manager credentials, stock selection capabilities with regard to different buckets of market capitalisation definition, duration and credit management across rate cycles with regard to debt schemes, etc. Investors will also have to make smart assessment of their existing portfolio and make adjustments accordingly over time to avoid any adverse tax impact.

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