Comments on: Floating Rate Mutual Funds – How, When and Why? http://www.jagoinvestor.com/2010/03/floating-rate-mutual-funds-%e2%80%93-how-when-and-why.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/2010/03/floating-rate-mutual-funds-%e2%80%93-how-when-and-why.html#comment-20284 Manish Chauhan Fri, 18 Feb 2011 17:31:50 +0000 http://www.jagoinvestor.com/?p=1027#comment-20284 Rohan How much money ? If its small sum , then its not worth the hassle . Only complicate it if you are looking for investing 10 lacs or more . else put in FD or a liquid fund Manish Rohan

How much money ? If its small sum , then its not worth the hassle . Only complicate it if you are looking for investing 10 lacs or more . else put in FD or a liquid fund

Manish

]]> By: Rohan Bagadhttp://www.jagoinvestor.com/2010/03/floating-rate-mutual-funds-%e2%80%93-how-when-and-why.html#comment-20231 Rohan Bagad Fri, 18 Feb 2011 03:30:32 +0000 http://www.jagoinvestor.com/?p=1027#comment-20231 want to invest for a short term, say for 2-3 months, i have searched than found jm mutual fund money manager super fund its an ultra short term fund... Is it a good choice.. pls suggest??? want to invest for a short term, say for 2-3 months, i have searched than found jm mutual fund money manager super fund its an ultra short term fund… Is it a good choice.. pls suggest???

]]> By: Buffet gains, Brazil overheating and unemploymenthttp://www.jagoinvestor.com/2010/03/floating-rate-mutual-funds-%e2%80%93-how-when-and-why.html#comment-13903 Buffet gains, Brazil overheating and unemployment Sat, 18 Sep 2010 00:47:52 +0000 http://www.jagoinvestor.com/?p=1027#comment-13903 [...] Jago Investor has a primer on floating rate mutual funds. [...] [...] Jago Investor has a primer on floating rate mutual funds. [...]

]]> By: Manish Chauhanhttp://www.jagoinvestor.com/2010/03/floating-rate-mutual-funds-%e2%80%93-how-when-and-why.html#comment-9923 Manish Chauhan Fri, 28 May 2010 02:47:53 +0000 http://www.jagoinvestor.com/?p=1027#comment-9923 Shantharam How are you calculating returns on both the cases ? I dont think the first option is better . Manish Shantharam

How are you calculating returns on both the cases ? I dont think the first option is better .

Manish

]]> By: Shantharamhttp://www.jagoinvestor.com/2010/03/floating-rate-mutual-funds-%e2%80%93-how-when-and-why.html#comment-9910 Shantharam Thu, 27 May 2010 18:29:10 +0000 http://www.jagoinvestor.com/?p=1027#comment-9910 Manish, Which type of short term fixed deposit do you think is best ? I thought of an option where each month you invest some 50,000 amount in a FD for 3 months(monthly payout) so that at the end of 3 months, from the 4th month onwards you invest 50000 and get in return (50000+3 month interest) effectively investing nothing from the 4th month onwards. However, at any point of time you maintain 150000 amount in that bank. This, i observed is earning better returns than the recurring deposit totaling 150000(12500 each month) in that year but less than a single cumulative FD of 150000 for that year. The dilemma i am having is that the first option of monthly payout is earning a decent total return but after all i am getting the return in small chunks and not in one big amount. In a cumulative FD, i have to shell out 1.5 lacs in one shot which is a big deal in general. what do you think ? which option do you suggest ? Thanks, Shantharam Manish,

Which type of short term fixed deposit do you think is best ?

I thought of an option where each month you invest some 50,000 amount in a FD for 3 months(monthly payout) so that at the end of 3 months, from the 4th month onwards you invest 50000 and get in return (50000+3 month interest) effectively investing nothing from the 4th month onwards. However, at any point of time you maintain 150000 amount in that bank.

This, i observed is earning better returns than the recurring deposit totaling 150000(12500 each month) in that year but less than a single cumulative FD of 150000 for that year.

The dilemma i am having is that the first option of monthly payout is earning a decent total return but after all i am getting the return in small chunks and not in one big amount. In a cumulative FD, i have to shell out 1.5 lacs in one shot which is a big deal in general.

what do you think ? which option do you suggest ?
Thanks,
Shantharam

]]> By: Srinivashttp://www.jagoinvestor.com/2010/03/floating-rate-mutual-funds-%e2%80%93-how-when-and-why.html#comment-8153 Srinivas Fri, 23 Apr 2010 07:11:44 +0000 http://www.jagoinvestor.com/?p=1027#comment-8153 Fixed deposit is better in your case. Fixed deposit is better in your case.

]]> By: Manish Chauhanhttp://www.jagoinvestor.com/2010/03/floating-rate-mutual-funds-%e2%80%93-how-when-and-why.html#comment-7916 Manish Chauhan Sat, 17 Apr 2010 18:52:41 +0000 http://www.jagoinvestor.com/?p=1027#comment-7916 Rashmi If you are not looking for great returns and just safety , then do it in FD only , else Liquid funds are good option . Manish Rashmi

If you are not looking for great returns and just safety , then do it in FD only , else Liquid funds are good option .

Manish

]]> By: Rashmihttp://www.jagoinvestor.com/2010/03/floating-rate-mutual-funds-%e2%80%93-how-when-and-why.html#comment-7128 Rashmi Mon, 29 Mar 2010 12:02:48 +0000 http://www.jagoinvestor.com/?p=1027#comment-7128 Dear Manish/Srinivas, I wish to invest Rs. 3 lacs for one yr (into safe avenues) and was contemplating your points reg FRF/FRF+STP. But HDFC FRF- long term charges 3% exit load for redemptions/STP within 18 months. Is it then worthwhile to invest in it considering my investment horizon of 1 yr. where else then should I park my money? Please advice. Rashmi Dear Manish/Srinivas,

I wish to invest Rs. 3 lacs for one yr (into safe avenues) and was contemplating your points reg FRF/FRF+STP. But HDFC FRF- long term charges 3% exit load for redemptions/STP within 18 months. Is it then worthwhile to invest in it considering my investment horizon of 1 yr. where else then should I park my money? Please advice.

Rashmi

]]> By: Rashmihttp://www.jagoinvestor.com/2010/03/floating-rate-mutual-funds-%e2%80%93-how-when-and-why.html#comment-7127 Rashmi Mon, 29 Mar 2010 11:49:48 +0000 http://www.jagoinvestor.com/?p=1027#comment-7127 Dear Manish/Srinivas, I wish to invest Rs. 3 lacs for one yr (into safe avenues) and was contemplating your points reg FRF/FRF+STP. But HDFC FRF- long term charges 3% exit load for redemptions/STP within 18 months. Is it then worthwhile to invest in it considering my investment horizon of 1 yr. where else then I should park my money? Please advice. Rashmi Dear Manish/Srinivas,

I wish to invest Rs. 3 lacs for one yr (into safe avenues) and was contemplating your points reg FRF/FRF+STP. But HDFC FRF- long term charges 3% exit load for redemptions/STP within 18 months. Is it then worthwhile to invest in it considering my investment horizon of 1 yr. where else then I should park my money? Please advice.

Rashmi

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