Aditya Birla Sun Life Frontline Equity Fund

Best SIP Funds to Invest Online

Aditya Birla Sun Life Frontline Equity Fund scheme seeks long term growth of capital, through a portfolio with a target allocation of 100% equity by aiming at being as diversified across various industries and/ or sectors as its chosen benchmark index, Nifty 50. The secondary objective

Aditya Birla Sun Life Frontline Equity Fund large-cap fund outperformed its benchmark and peers for 13 straight years, from 2004 until 2016, slipping up marginally in 2017. This track record has earned it a four- or five-star rating consistently for over 10 years, a rare achievement in any category.

Aditya Birla Sun Life Frontline Equity Fund historically benchmarked itself to the BSE 200 index, pegging its sector weights and stock selection to this index. It only rarely selected stocks outside the index. But after SEBI’s new categorisation rules, it has been reclassified as a pure large-cap fund. The portfolio will, therefore, be selected from the top 100 stocks by market capitalisation, with a minimum 80 per cent allocation to such stocks. The Nifty 50 will be its new benchmark. These changes are set to take effect from mid-May 2018. These changes may not materially alter the character of the fund, though the fund manager will have to make do with a more restricted universe for stock selection. The fund uses a ‘growth at a reasonable price’ approach to select stocks and this will remain unchanged.

Good performance has led to the asset size nudging Rs20,000 crore. But the pure large-cap mandate will ensure that this doesn’t affect maneuverability. The fund owns 70-80 stocks in its portfolio for a well-diversified profile. A steady management team has led to the continuity of style and market-cap bias over a decade. The fund has delivered good participation in bull markets but it is its ability to contain losses in the bear markets of 2008 or 2011 which makes it stand out.

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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Kotak Bluechip Fund

Best SIP Funds to Invest Online

How has Kotak Bluechip Fund performed?
With a 10-year return of 9.92%, the fund has outperformed the benchmark index (8.51%) but underperformed the category average (10.38%).

Should You Kotak Bluechip Fund
Kotak Bluechip Fund uwas Earlier known as Kotak 50, this fund has been renamed to reflect its large-cap focus. It maintains the same approach as before— preferring businesses that are likely to grow at a faster pace than the benchmark index. The fund manager identifies growth sectors and then zeroes in on the leaders in the chosen sector. The fund prefers companies with strong brands or franchise and those less prone to recessions or cycles. The top picks in the portfolio are usually index heavyweights, but the remaining portfolio includes several stocks outside the index. The fund’s performance has slipped in recent years, hurting its risk return profile relative to peers. Investors may opt for a fund with a more proven track record till the time this one finds its feet.

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 with Insurance

Best SIP Funds to Invest Online

A few mutual fund houses – Aditya Birla Sun Life, ICICI Prudential and Reliance – have bundled term life insurance cover with a few of their schemes. These bundled products have been christened as century SIP, SIP plus and SIP insure by the respective AMCs.

What is MF scheme with insurance cover?

A few fund houses provide free life insurance cover to their SIP investors. The insurance provided is essentially term insurance wherein the insurance company will pay out money only in case of death of the investor. This facility is available only on select schemes. In addition, the investor has to have an investment tenure of at least of 3 years to be eligible for this facility.

How does Mutual Funds with Insurance work?

The insurance cover is proportional to SIP amount subject to an upper limit. Unlike other life insurance schemes your clients do not have to undergo any medical test but declaration of good health is mandatory.

Let us look at the features of SIP + insurance offered by different AMCs.

Aditya Birla Sun Life Insurance

ICICI Prudential Fund

Reliance Nippon Life

Eligibility

1-55 years

1-55 years

18-51 years

Maximum sum assured year-wise

1st Year – 10 times the monthly instalment

2nd Year – 50 times the monthly instalment

3rd Year – 100 times the monthly instalment

In addition the insurance company will pay the investor’s pending Century SIP instalments

1st Year – 10 times the monthly instalment

2nd Year – 50 times the monthly instalment

3rd Year – 100 times the monthly instalment

1st Year – 10 times the monthly instalment

2nd Year – 50 times the monthly instalment

3rd Year – 120 times the monthly instalment

Maximum sum assured

Rs.20 lakh

Rs.50 lakh

Rs.21 lakh

Minimum instalment

Rs.1,000

Rs.1,000

NA

Discontinuation of cover

In case of partial or complete redemption/switch out

In case investor stops SIP before 3 years

Cover ceases

In case investor stops SIP after 3 years

Cover continues with certain caveats in terms of sum assured

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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TATA EQUITY PE FUND

Best SIP Funds to Invest Online

3 year return: 16.3%

Fund Manager: Sonam Udasi

Top 10 holdings: 49.9%

Following the scheme mandate, the fund manager has selected 70% of stocks whose trailing price-to-earnings (PE) multiple is lower than the Sensex’s PE multiple. The remaining 30% of the portfolio can have companies whose PE multiples may be higher than that of the Sensex. The fund manager’s focus on companies with encouraging return ratios, quality management and high visibility of earnings has paid off well in the past three eyars. Winning ideas in financials, such as Yes Bank, City Union Bank and Bajaj Finserv have helped it post a stellar performance.

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

DSP BlackRock SmallCap Fund

Best SIP Funds to Invest Online

The aim of the DSP BlackRock Micro Cap Fund is to seek long-term capital appreciation by investing in a portfolio that is substantially constitutes of stocks that are not part of the top 300 companies by market capitalisation. Focus of the scheme is to deliver superior long term performance by selecting stocks of companies those are uncorrelated to broader markets & not sector specific.

A strong outperformance of its benchmark and peers from inception helped this fund earn a four to five star rating during 2015 and 2016, but the rating has slipped to three stars lately.

The flood of inflows prompted the fund house to down its gates to new investments earlier than its peers. Older SIP investments in the fund continue to be allowed.

The fund is both quality and valuation conscious. It selects companies which have great managements, free cash flows, decent long-term ROCEs and competitive advantages. The fund has traditionally featured a low turnover and follows a buy and hold strategy.

DSP BlackRock Micro Cap Fund three and five year returns show that it has outperformed its benchmark by 5 to 11 percentage points and the category by 2 to 3 percentage points. The margin of outperformance has narrowed in the last one year, with the fund trailing significantly behind the benchmark and category. This can probably be attributed to the fund taking a conservative stance on stock choices and valuations in a market driven by strong small-cap momentum.

DSP BlackRock Micro Cap Fund has handled bear phases in 2008 and 2011 very well, losing much less than its benchmark. But in runaway bull markets like 2009, it has tended to lag behind. Investors should, thus, adopt a wait and watch attitude in the current phase of underperformance. The fund’s corpus has climbed to Rs 6,469 crore by January 2018, which could prove an impediment in the small-cap category.

DSP BlackRock Micro Cap Fund is A conservative choice while dabbling in micro-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

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Aditya Birla Sun Life Equity Fund

Best SIP Funds to Invest Online

HOW HAS THE FUND PERFORMED?
With a 10-year return of 12.43%, the fund has outperformed both the benchmark index (8.58%) and the category average (11.50%).

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

Should You Buy Aditya Birla Sun Life Equity Fund ?
Aditya Birla Sun Life Equity Fund is a multi-cap fund has a bias towards large-caps. The fund manager favours a top-down investing approach that involves identifying high-growth sectors buttressed by healthy macro trends. He has shown preference for businesses that are at an inflection point—in a position to improve cash flows by paring debt or selling non-core assets.

Earnings visibility takes precedence over valuations in stock picks. The fund portfolio is heavily diversified resulting in moderate exposure to top picks. Barring a slight blip last year, the fund manager has shown that he can steer the fund with a degree of consistency. Higher alpha generation capability coupled with better risk-return profile make this fund a worthy pick in this segment

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

INVESCO INDIA CONTRA FUND

Best SIP Funds to Invest Online

3 year return: 14.90%

Fund Manager: Amit Ganatra, Taher Badshah

Top 10 holdings: 46%

Companies that trade below intrinsic value, are in a turnaround phase or have been de-rated due to a temporary change in sentiment are the stocks the fund manager looks out for. These strategies play out over a three-year period. The fund is fairly concentrated, even though it has a long tail, with the top 10 stocks accounting for 40-45% of the portfolio. Early entry into the IT space with exposure to stocks like Infosys, Cyient and HCL Tech has worked well for the fund. IPO bets like Mishra Dhatu Nigam, Apex Frozen gave handsome returns to the portfolio over the past year. The fund was one of the early entrants into the IT space. Higher allocations in IPOs of Mishra Dhatu Nigam, Apex Frozen Foods helped it earn extra returns.

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

ADITYA BIRLA SUN LIFE EQUITY Fund

Best SIP Funds to Invest Online

3 year return: 13.92%

Fund Manager: Anil Shah

Top 10 holdings: 35.7%

One of the key variables the scheme’s fund manager has kept in mind while selecting companies in the portfolio is free cash flow. Besides, having a large-cap bias which ensure high-growth sectors. Shah has been prompt enough in buying companies which have shown noticeable improvement in cash flows either through selling non-core assets or reducing debt. This has largely worked for the scheme. Also, the fund has preferred companies which have high earnings visibility, rather than being particularly concerned about their valuations. These factors have helped the fund in creating a diversified portfolio which would largely cover high-growth stories. A few prominent companies that have spruced up the scheme’s returns are Tech Mahindra, Maruti Suzuki and Tata Steel.

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

Reliance Equity Opportunities Fund

Best SIP Funds to Invest Online

Reliance Equity Opportunities Fund Is now called Reliance Multicap Fund

How has Reliance Equity Opportunities Fund performed?
With a 10-year return of 13.4%, the fund has outperformed both the category average (10.1%) and the benchmark index (6.8%). The fund has comfortably beaten both its category average and index over the past decade.

Should you buy Reliance Equity Opportunities Fund?
This fund has no market-cap bias, but retains higher exposure to mid- and small-caps relative to peers. While it was a fairly consistent outperformer until a few years ago, it has been erratic in recent years. The fund manager has a penchant for placing large bets on niche themes or sunshine sectors, which paid rich dividends earlier but may have backfired during the market rally of the last few years.

Reliance Equity Opportunities Fund has hiked its presence in large-caps, diluting its heavy mid-cap bias. It has spread exposure to sectors evenly, without the distinct tilt towards financials exhibited by many of its peers. With an improved performance last year, the fund is showing signs of a reversal in fortunes. It remains an aggressive, differentiated offering in the multi-cap space.

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

Reliance Small Cap Fund

Reliance Small Cap Fund scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies.

Reliance Small Cap Fund has beaten its benchmark in all seven years since its inception and has held onto a three or four-star rating without a pause. The fund adheres to a philosophy of finding good businesses at a good price without leaning overtly towards either the value or growth styles of investing. This approach has helped it outperform both its benchmark and category over one year, three years, five years and also in the since launch period. The margin of outperformance has remained high in the last one year as well. The fund’s aggressive approach shows up in a portfolio-turnover ratio of 131 per cent.

The only constraint is that this fund hasn’t seen really challenging bear markets like the one in 2008. In 2011, it capped its losses at levels far lower than those of the index and the category.

Reliance Small Cap Fund has recently shut itself to fresh lump-sum investments, but you can still invest in it through SIPs.

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