Jagoinvestor

May 31, 2009

Short Review of few Mutual Funds

I did a short and crisp review of some mutual funds for a friend . thought of sharing this here.

Franklin India Prima Fund – Dividend

151/208 138/157 61/75 are the ranks for 1 ,3 and 5 year . Not a great one to cheer about .
Risk Grade: Above Average
Return: Grade Average

Tata Infrastructure Fund-G

Not a very old fund but its a good one. Infrastructure space can be a big hit considering 4-5 yrs time frame and with the blessings of UPA. Better diversify money in this space along with other infrastructure Mutual Funds.

With 25% CAGR returns since launch , its looks good.

Franklin India Flexi Cap Fund – Dividend

Numbers look good but there are better funds available.

Birlasunlife Frontline Equity Fund-Growth

Extremely good fund to have in portfolio. It has shown strong performance in all the time frame of 1 ,3 ,5 yrs and 30% CAGR return since launch. Better to stop Franklin India Flexi Cap Fund and redirect the money to this one.

HDFC Equity Fund – Growth

Again a good fund to have in portfolio.

What would I do If I were at your place.

– Stop Franklin India Prima Fund
– Stop Franklin India Flexi Cap Fund – Dividend (5k)
– DSPBR Equity or DSP Black Rock top 100 or HDFC Top 200
– Increase your Exposure in Birla Sunlife Frontline Equity Fund
– Share your 10k in UTI Infrastructure and Tata Infrastructure

Do you know difference between Divident and Growth options in mutual funds ?

General Recommendation

  • If the investment is for long term wealth creation dont go for Divident option
  • Monitor and review your mutual fund once every 6 months
  • Not sure if you are allocating money in mutual funds after understanding your Risk-appetite or not . Check that out, No Debt side ?
  • Do not have more than 5-6 mutual funds
  • Look at other sectoral mutual funds on banking and financial sector with long term view

look at a video explaining how to choose a mutual fund

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Disclaimer : Information taken from valueresearchonline.com and analysis and views are personal

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Kaustav
7 years ago

Hi,
I am single, Male, 28 years living in Bangalore. Save approx 50K per month. Moderate risk taker.

My father is a conservative saver, however I took the plunge into Mutual Funds 2 years back with 5000 SIP per month just to test the waters after analysis online.

Here are the the funds in which I am invested now –

1. HDFC Balanced Fund (G) – 1K
2. ICICI Pru Focused Bluechip Equity (G) – 1K
3. ICICI Prudential Value Discovery Fund – (G) – 1K
4. UTI Equity Fund (G) – 1K
5. Axis Long Term Equity Fund (G) – 1K

I checked my E-CAS statement recently and was happy to see it delivered results of approx 13% overall.

I am a little confident of Mutual funds now, so I have decided to put forth another 10K per month for mutual funds.

This is where I plan to invest –

1. HDFC balanced fund (G)- 2K
2. ICICI balanced fund (G) – 2K
3. SBI Magnum Balanced Fund (G) – 3K
4. Birla Sun Life Bal. 95 Fund (G) – 3K

Want a stable upwards growth, keeping seed money intact.

VJ
VJ
7 years ago

Hi please guide me I am very new to market my age is 27 and I am planning to invest 6k till next 30 yrs which fund is best ? I hv shortlisted 2 now any 1 I hv to select from that
Birla SL Frontline Equity or Icici Value Discovery fund ?

abhay
abhay
7 years ago

Does size of fund affects its performance. Birla SL Frontline Equity is now having asset under management over 12K crore.

Farshid Bokdawalla
7 years ago

Hi… I am looking to generate funds to prepay my home loans. I am investing 1.25 lacs monthly by way of various SIPs toward retirement / home renovation, etc. I have an EMI of about 60k a month and an outstanding loan amount of about 41 lacs. I would like to pay off my loan completely latest by 2020. I am able to invest a further 20-25k in SIP towards creating a corpus with a 4 year time frame in mind. I am thinking of starting a SIP with DSP BR Micro Cap Fund – Reg (G). Any suggestions with regards to the same?

Farshid Bokdawalla
Reply to  Jagoinvestor
7 years ago

Thank you

Sanjay
Sanjay
7 years ago

Hi Manish,

Currently I am investing in ICICI FOCUSSED BLUECHIP fund..should I move to BIRLA FRONLINE EQUITY?

VASUDEV
VASUDEV
7 years ago

Hello sir,

Planning to start
1) birla sun life frontlie equity fund – 5000/- per month
2) BSL MNC fund- 4000/-
3) BSL pure value fund- 2000/- per month.

Is it OK sir or I should change the plan.. Want to invest for 10yrs

Now I’m 32yrs

vasudev
vasudev
Reply to  Jagoinvestor
7 years ago

I dint get u sir…. Because u wrote ” No these funds look good ”

U mean u say these funds are not good or these funds are good..

Kindly guide sir..

Thank u

Nidhi
Nidhi
8 years ago

Hi Manish,

Does this look sane,

Large Cap
SBI Blue Chip Fund (G)
Birla Sun Life Frontline Equity

Diversified Equity
ICICI Prudential Value Discovery Fund
Motilal Oswal Most Focused 35 Fund

Small And Mid Cap
DSP-BR Micro Cap Fund – RP(G)

Regards,
Nidhi

Arjun
Arjun
8 years ago

My investment is sip monthly as below. Please advise me if any changes are needed. Sip period is 10 years+

1. Birla sun life top 100 growth 2000
2. Frankling blue chip fund growth 2000
3. ICICI focused bluechip 2000
4. Franklin high growth comp 2000
5. Reliance equity oppr 2000
6. UTI Oppr 2000
7. UTI MNC 2000
8. Franklin smaller growth growth 2000
9. Franklin build india fund growth 2000
10. Hdfc midcap opportunities growth 2000
11. Hdfc prudence growth 2000
12. Hdfc balanced growth 2000
13. Tata Balanced Fund 2000
14. Liquid reliance money manager 10k
15. Liquid Birla sun life treasury optimizer 10k

Arjun
Arjun
Reply to  Arjun
8 years ago

Total monthly value is 26000 in equity MF and 20000 in liquid. I feel this is very safe selection. What is your views?

Arjun
Arjun
Reply to  Arjun
8 years ago

If you observe, the 26000 in equity is divided as:
8000 large cap
6000 diversified
4000 small&mid cap
6000 balanced funds
2000 thematic infrastructure

Anand
Anand
8 years ago

Hi Manish,

I want to invest for short time less than 1 year.
Which is the best fund house and policy I should go for particularly when market is undergoing volatility.
I want to invest 1 lakh
Please advise?

bkmurthy
bkmurthy
8 years ago

Top 5 Holdings Unrealised Gain/Loss % Wise
More 
Date Instrument Amount Unrealized Gain/Loss % XIRR
03-Sep-2015 Tata Balanced Fu 9,133.23 1.48 3.08
03-Sep-2015 HDFC Balanced Fu 9,010.44 0.11 0.24
03-Sep-2015 UTI Top 100 Fund 9,889.01 -1.11 -2.35
03-Sep-2015 SBI Magnum Midca 10,677.55 -1.50 14.81
03-Sep-2015 HDFC Prudence Fu 8,667.93 -3.69 -8.19
Top 5 Holdings AUM Wise

Valuation Date Instrument Market Value Purchase Value
03-Sep-2015 SBI Magnum Midca 10,677.55 10,840.50
03-Sep-2015 UTI Top 100 Fund 9,889.01 9,999.98
03-Sep-2015 Tata Balanced Fu 9,133.23 8,999.99
03-Sep-2015 HDFC Balanced Fu 9,010.44 9,000.10
03-Sep-2015 HDFC Prudence Fu 8,667.93 9,000.10

Manish, could you please explain what the above numbers mean? Do you have any advice to give? My monthly investment is Rs. 5000 per month (1000 per fund)

Thank you

Abhay
Abhay
8 years ago

Hi Manish
I have started SIP in UTI Opportunities 10,000 per month.
I want to invest further 50,000 per month for that I have shortlisted following funds
Franklin India Prima Plus-20,000
Birla Sunlife Frontline Equity-20,000
Franklin India Smaller Companies- 10,000
Is it ok or need any changes in both fund and SIP amount

Please advise
With Regards

MrSureka
MrSureka
8 years ago

Hi, which fund is better, ICICI Value Discovery or Birla Sun Life MNC Fund? Investment horizon is minimum 7-8 years.

anubhav
anubhav
8 years ago

hello sir ,

i m 31yeras old and My Current Investment is as below

icici focussd blue chip fund – 5000

uti mnc fund -2000

idfc premier equity fund – 2000

icici pru value discovery fund -3000

axis longterm equity -1000

What should I do , Is it ok ?? or need improvement please guide.

Nishant
Nishant
8 years ago

Hi Manish,

I am investing in below funds through SIP:

ICICI value discovery fund (rs. 1000)
ICICI focused bluchip (rs 2000)
Axis long term equity (rs 2000 )

Now I want to invest more 2k/month.
I am thinking of HDFC Balance fund or any mid-cap fund.
Please advise me based on a portfolio for long term wealth creation. [>10 years]

Thanks,
Nishant

Raj
Raj
9 years ago

Hi Manish, I have started SIP of 3000 in below MF 1000 each for long term of 10 years. 1.HDFC prudence fund (G). 2. HDFC mid cap opportunity fund (G). 3. ICICI focused blue chip Eq. Fund (G). Want to invest 2000 more. Please give your advise whether I am on right direction

Vinod
Vinod
9 years ago

Hi Manish,

I have made my portfolio with below funds:

Icici value discovery fund (Rs. 1500)
Axis long term equity ( Rs. 1500)
UTI MNC fund ( Rs 1500)
SBI Pharma fund (Rs 1000)
HDFC Balance fund (Rs 1000)

On monthly basis via sip, my time frame is for 7-10 years. Please let me know if any change need to make in my portfolio.

Thanks,
Vinod

vikas marwaha
vikas marwaha
9 years ago

hi manish ji

which fund i m invest 1500rs for gud return
1 birla sunlife top100
2 sundram smile
pls suggest me for gud return

Amit
Amit
9 years ago

Hi Manish,

I am a long term investor having following equity fund in my portfoli with monthly SIP..

1/ Franklin India Prima plus
2/ICICI prudential balanced advantage
3/ HDFC prudence fund
4/ HDFC Mid cap
5/Reliance Equity opportunity fund

Please advise if I should add anything more or any reorientation is needed

Regards/ Amit

ashish
ashish
9 years ago

Dear Manishji, thanks a lot for empowering us with weath creation ideas.
I have started SIP to eet my core needs. my time horizone is 12+ years. I have invested Rs 12000/- PM in HDFC Equite (G) and Rs 13000/-PM in HDFC Top 200 (G) both are Direct plan. I also have PPF Account and Rd of Rs 12000/- PM. Please comment on my portfolio and ialso want to increase SIP of 5000/-PM Shall I increase the amount in same funds or go for another large cap fund?
Thanks for your valuable time.

Monica
Monica
9 years ago

Hi Manish,

I want to build my core portfolio.
Started with HDFC Top 200 (Rs 2000).

As per my research i narrowed to
– Quantum Long term
– UTI Oppurtunities
– DSP Black Rock equity

Any view on better option in your view for long term investment [5-10 years].