Comments on: How to look beyond short term returns in Mutual Funds http://www.jagoinvestor.com/2010/02/how-to-look-beyond-short-term-returns-in-mutual-funds.html Financial Planning , Insurance , Mutual Funds , Investments Sat, 11 Feb 2012 17:08:32 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Manish Chauhanhttp://www.jagoinvestor.com/2010/02/how-to-look-beyond-short-term-returns-in-mutual-funds.html#comment-23567 Manish Chauhan Mon, 06 Jun 2011 07:53:28 +0000 http://www.jagoinvestor.com/?p=902#comment-23567 Amit No it does not contain Inflation ,. no website ever gives the return after inflation , you have to adjust it later Manish Amit

No it does not contain Inflation ,. no website ever gives the return after inflation , you have to adjust it later

Manish

]]> By: Amithttp://www.jagoinvestor.com/2010/02/how-to-look-beyond-short-term-returns-in-mutual-funds.html#comment-23477 Amit Sat, 04 Jun 2011 02:15:29 +0000 http://www.jagoinvestor.com/?p=902#comment-23477 Does all the calculation done on the numbers include the inflation (6.5 %) after 5 or 10 years? What is the actual value of money invested in MFs? What I means is when you say return from Diversified 23.86% (or whatever) & ELSS 19.33% (or whatever) in 10 years or 5 years... Does it means Actual return with Diversified = 23.86% (after - 6.5%) or Actual is 23.86% (after + 6.5%)?? Please advice!! Does all the calculation done on the numbers include the inflation (6.5 %) after 5 or 10 years? What is the actual value of money invested in MFs?
What I means is when you say return from Diversified 23.86% (or whatever) & ELSS 19.33% (or whatever) in 10 years or 5 years…
Does it means Actual return with Diversified = 23.86% (after – 6.5%) or Actual is 23.86% (after + 6.5%)??

Please advice!!

]]> By: Manish Chauhanhttp://www.jagoinvestor.com/2010/02/how-to-look-beyond-short-term-returns-in-mutual-funds.html#comment-20995 Manish Chauhan Wed, 09 Mar 2011 04:42:03 +0000 http://www.jagoinvestor.com/?p=902#comment-20995 Kumar first its not allowed . second thing is How much will you be able to save ? 5 lacs means 2-3k as commission , Do you think its worth the effort ? see http://www.amfiindia.com/showhtml.aspx?page=cirarn-0303-03 Manish Kumar
first its not allowed . second thing is How much will you be able to save ? 5 lacs means 2-3k as commission , Do you think its worth the effort ?

see http://www.amfiindia.com/showhtml.aspx?page=cirarn-0303-03

Manish

]]> By: kumarhttp://www.jagoinvestor.com/2010/02/how-to-look-beyond-short-term-returns-in-mutual-funds.html#comment-20993 kumar Tue, 08 Mar 2011 17:54:34 +0000 http://www.jagoinvestor.com/?p=902#comment-20993 My mutual fund portfolio's current market value is about ten lakhs . I will invest 4 to 5 lakhs by sip in next two years. How is the idea of becoming AMFI CERTIFIED agent by clearing NCFM exams ? Can I claim trailing returns of my own portfolio by declaring myself as own agent ? Regards, Naveen My mutual fund portfolio’s current market value is about ten lakhs .

I will invest 4 to 5 lakhs by sip in next two years.

How is the idea of becoming AMFI CERTIFIED agent by clearing NCFM exams ?

Can I claim trailing returns of my own portfolio by declaring myself as own agent ?

Regards,

Naveen

]]> By: Ayush Jainhttp://www.jagoinvestor.com/2010/02/how-to-look-beyond-short-term-returns-in-mutual-funds.html#comment-18474 Ayush Jain Mon, 03 Jan 2011 13:36:11 +0000 http://www.jagoinvestor.com/?p=902#comment-18474 Well, it seems that this article has been inactive since a long time. I came across this article while searching an answer to the question mark raised in my mind by the single digit 3-yr returns of most of the mutual funds. http://www.moneycontrol.com/mutualfundindia/ I find mutual fund investment quite a wasteful exercise if this is the rate of return expected. Also, the inflation rate is somewhere around 8%. Ultimately, we seem to be loosing value on money and trying to minimize loosing value by investing. Better to spend, uh :D, unless you are looking to save. Well, it seems that this article has been inactive since a long time. I came across this article while searching an answer to the question mark raised in my mind by the single digit 3-yr returns of most of the mutual funds. http://www.moneycontrol.com/mutualfundindia/

I find mutual fund investment quite a wasteful exercise if this is the rate of return expected. Also, the inflation rate is somewhere around 8%. Ultimately, we seem to be loosing value on money and trying to minimize loosing value by investing. Better to spend, uh :D , unless you are looking to save.

]]> By: Manish Chauhanhttp://www.jagoinvestor.com/2010/02/how-to-look-beyond-short-term-returns-in-mutual-funds.html#comment-13756 Manish Chauhan Mon, 13 Sep 2010 16:49:27 +0000 http://www.jagoinvestor.com/?p=902#comment-13756 Akrishnar If your fund is not performing , there can be two things which you want to do . Case 1 : if you want to get out of it as you are pissed off by the performance , you can redeem everything and put money in Debt funds and STP . Case 2 : You know that it is not performing , but still you can get out of it gradually , in that case start a SWP to your bank account and also start SIP to the new funds, just look at the exit load if any . Manish Akrishnar

If your fund is not performing , there can be two things which you want to do .

Case 1 : if you want to get out of it as you are pissed off by the performance , you can redeem everything and put money in Debt funds and STP .

Case 2 : You know that it is not performing , but still you can get out of it gradually , in that case start a SWP to your bank account and also start SIP to the new funds, just look at the exit load if any .

Manish

]]> By: Akrishnarhttp://www.jagoinvestor.com/2010/02/how-to-look-beyond-short-term-returns-in-mutual-funds.html#comment-13749 Akrishnar Mon, 13 Sep 2010 15:30:59 +0000 http://www.jagoinvestor.com/?p=902#comment-13749 Hello Manish : I have a question regarding SIP investment and monitoring . In my case , I have been investing in SIP for the past 3 years and the fund is an average performer . In order to switch into a better performing fund , the very first thing I believe I should do is to redeem all units from the current fund and transfer the amount into the new fund ... right ? But this defeats the very purpose of SIP as I'm forced to put the entire money into a new fund . I'm not a big fan of lump sum MF investment. STP helps , but will take time to transfer the entire amount into the new fund ... What're your thoughts ..? In nushell ,what should an investor do if they realize that their fund is not performing ..? Thanks, Krishna Hello Manish :

I have a question regarding SIP investment and monitoring . In my case , I have been investing in SIP for the past 3 years and the fund is an average performer .

In order to switch into a better performing fund , the very first thing I believe I should do is to redeem all units from the current fund and transfer the amount into the new fund … right ? But this defeats the very purpose of SIP as I’m forced to put the entire money into a new fund . I’m not a big fan of lump sum MF investment.

STP helps , but will take time to transfer the entire amount into the new fund … What’re your thoughts ..? In nushell ,what should an investor do if they realize that their fund is not performing ..?

Thanks, Krishna

]]> By: Manish Chauhanhttp://www.jagoinvestor.com/2010/02/how-to-look-beyond-short-term-returns-in-mutual-funds.html#comment-12315 Manish Chauhan Thu, 12 Aug 2010 19:21:12 +0000 http://www.jagoinvestor.com/?p=902#comment-12315 Great , looks good to me :) Manish Great , looks good to me :)

Manish

]]> By: Somnath Mukherjeehttp://www.jagoinvestor.com/2010/02/how-to-look-beyond-short-term-returns-in-mutual-funds.html#comment-12286 Somnath Mukherjee Wed, 11 Aug 2010 20:51:47 +0000 http://www.jagoinvestor.com/?p=902#comment-12286 What I did, within a limited period of time, is that I used the fund screenener facility of morningstar.co.in. First I selected ELSS category clicked the large and growth corner of the style box and searched. Selected 3 year return and ignored the dividend funds. The top three under the above mentioned filters were Taurus Tax Shield-G, Canara Rebeco Equity Tax Saver-G, Religare Tax Plan -G. Followed a similar exercise with Large Cap Category with a little difference. I ignored Quantum Long-Term Equity Fund-G, which was placed second because of its skewed expense ratio. The results was HDFC Top 200-G, HDFC Equity-G and UTI Oppurtunities Fund-G. The expense ratio for the ELSS plans were 2.50, 2.48 & 2.49 while for the non tax savings were 1.89, 1.86 & 2.03 respectively. What I did, within a limited period of time, is that I used the fund screenener facility of morningstar.co.in. First I selected ELSS category clicked the large and growth corner of the style box and searched. Selected 3 year return and ignored the dividend funds. The top three under the above mentioned filters were Taurus Tax Shield-G, Canara Rebeco Equity Tax Saver-G, Religare Tax Plan -G. Followed a similar exercise with Large Cap Category with a little difference. I ignored Quantum Long-Term Equity Fund-G, which was placed second because of its skewed expense ratio. The results was HDFC Top 200-G, HDFC Equity-G and UTI Oppurtunities Fund-G. The expense ratio for the ELSS plans were 2.50, 2.48 & 2.49 while for the non tax savings were 1.89, 1.86 & 2.03 respectively.

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