Showing posts with label managed mutual funds. Show all posts

Aditya Birla Sun Life Banking ETF Floats On

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Aditya Birla Sun Life Mutual Fund has launched a new fund named as Aditya Birla Sun Life Banking ETF, an open-ended exchange-traded fund tracking Nifty Bank Index. The new fund offer (NFO) price for the scheme is Rs 10 per unit. The new issue will be open for subscription from 16 October 2019 to 22 October 2019.

The investment objective of the Scheme is to provide returns that, before expenses, closely correspond to the total returns of the securities as represented by the Nifty Bank Index.

The scheme Plans/ Options Not Available

The scheme would invest 95% to 100% of assets in stocks comprising Nifty Bank Index with medium to high-risk profile and would invest up to 5% of assets in debt/money market instruments with a low-risk profile.

The minimum application amount is Rs 5000 and in multiples of Rs 1000 thereafter during the NFO period.

The fund seeks to collect a minimum subscription (minimum target) amount of Rs 10 crore under the scheme during the NFO period.

The entry and exit load charge will be nil.

Benchmark Index for the scheme is Nifty Bank Index

The fund manager of the scheme will be Lovelish Solanki.

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Sebi Finalises Graded Exit Load Structures For Liquid Funds

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The Securities and Exchange Board of India (Sebi) finalized the graded exit load structure on liquid funds on Tuesday. Sebi informed the structures of exit loads in a letter to the Association of Mutual Funds in India (AMFI). The proposal on graded exit loads was earlier made by Amfi in a letter to Sebi on October 11.

According to the letter that Sebi sent to Amfi, the graded exit load has been set at 0.0070% on redemption on day 1, 0.0065% on day 2, 0.0060% on day 3, 0.0055% on day 4, 0.0050% on day 5, 0.0045% on day 6 and 0.00% from day 7 onwards. Sebi also said that the load structure will be changed annually based on the interest rates in the system.

Earlier, Sebi had mandated liquid funds to introduce an exit load for investors who exit the fund within seven days. This directive was aimed at minimizing the impact of frequent inflows and outflows by institutional investors. The movement of big money used to leave smaller investors vulnerable.

Sebi, in its letter also asked AMFI to inform the asset management companies about the new rules pertaining to graded exit load structures. Sebi has also asked the AMCs to communicate the new structure to their respective investors. The letter also says that no changes should be made in the exit load structure without consulting Sebi.

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स्टॉक की पिटाई का म्युचुअल फंड पर असर, क्या करें निवेशक?

sandeep capitalstars dividend mutual funds , hybrid mutual funds

शेयर बाजार में उतार-चढ़ाव तो रहता ही है, लेकिन कभी-कभी, कुछ स्टॉक ऐसे होते हैं, जिनकी गिरावट से शेयरधारक की जेब तो खाली होती ही है, म्यूचुअल फंड की परफॉर्मेंस पर भी असर होता है। कौन से हैं वो स्टॉक जिनकी पिटाई की वजह से म्यूचुअल फंड के फंड मैनेजर के पसीने निकले, और शेयर होल्डर के मुकाबले म्यूचुअल फंड निवेशक को कितना नुकसान हुआ। योर मनी आज आपको ये पूरी कहानी बताएगा और साथ ही, म्यूचुअल फंड निवेशक होने के नाते क्या है आपके लिए राहत की बात क्या हो सकती है इसपर भी चर्चा करेंगे, जिसमें हमारा साथ देने के लिए मौजूद हैं आनंदराठी प्राइवेट वेल्थ मैनेजमेंट के डिप्टी सीईओ फिरोज अजीज।

मनपसंद बेवरेजेज का शेयर आज फिर 20 फीसदी नीचे है। पिछले 2 दिन में मनपसंद बेवरेजेज में 40 फीसदी की भारी गिरावट दर्ज की गई है। जोरदार पिटाई के बाद मनपसंद बेवरेजेज बेस्वाद नजर आ रहा है। कल से इस शेयर में लोअर सर्किट लग रहा है। कंपनी के ऑडिटर डेलाइट हास्किन के इस्तीफे के बाद से ही इस शेयर की पिटाई शुरु हुई है।

मनपसंद बेवरेजेज का शेयर में गिरावट के कारण एसबीआई मैग्नम मिडकैप 0.85 फीसदी, एसबीआई मैग्नम लार्ज & मिडकैप में 1.11%, एसबीआई मैग्नम कंजपशन फंड 1.70% औऱ एमओएफएसएल फोकस्ड मल्टीकैप 35 में 0.7 फीसदी की गिरावट आई है।
पीएनबी बैंक के स्टॉक्स में लगातार गिरावट आई है। पीएनबी बैंक में 15 दिन में 40% पिटाई हुई है। पीएनबी के पिटाई के कारण एबीएसएल फ्रंटलाइन में -0.48%, डीएसपीबीआर इक्विटी में -1.44% और एचडीएफसी इक्विटी में 2.60% घटा है।

यूएसएफडीए की आपत्तियों से ल्यूपिन में पिटाई हुई है। ल्यूपिन में स्टॉक में 19 फीसदी तक गिरावट दर्ज हुई है। वहीं सेबी की जांच के बाद वक्रांगी शेयर में 52 फीसदी की गिरावट हुई है। 25 जनवरी से 2 फरवरी तक वक्रांगी शेयर में 242 रुपये गिरावट आई है। ऑडिटर पीडब्ल्यूसी ने कंपनी पर चिंता जताई है।

स्टॉक में गिरावट के बाद म्यूचुअल फंड पर असर से निवेशक नहीं घबराएं। उतार चढ़ाव से म्यूचुअल फंड में गिरावट होती है। 1 से 2 फीसदी से ज्यादा गिरावट मुमकिन नहीं है। फंड मैनेजर फंड के निवेश पर काम करते हैं। म्यूचुअल फंड में स्टॉक के मुकाबले जोखिम कम होता है। म्यूचुअल फंड निवेशक के मुकाबले शेयरधारकों को ज्यादा नुकसान होता है। म्यूचुअल फंड में निवेशक फंड में बने रहें।

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Franklin Templeton MF Announces dividend under its schemes

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Franklin Templeton Mutual Fund has announced 18 October 2019 as the record date for declaration of dividend under the following schemes. The amount of dividend (Rs per unit) on the face value of Rs 10 per unit will be:

Image result for klin Templeton MF Announces dividend under its schemes

Franklin India Fixed Maturity Plan - Series 2 - Plan C (1205 days)-Quarterly Dividend:

Individuals & HUF: 0.144

Others: 0.133

Franklin India Fixed Maturity Plan - Series 4 - Plan B (1098 days)-Dividend:

Individuals & HUF: 0.144

Others: 0.133

Franklin India Fixed Maturity Plan - Series 4 - Plan F (1286 days)-Dividend & Direct Plan - Dividend:

Individuals & HUF: 0.547

Others: 0.506

Franklin India Fixed Maturity Plan - Series 4 - Plan F (1286 days)-Quarterly Dividend & Direct Plan - Quarterly Dividend:

Individuals & HUF: 0.133

Others: 0.123

Franklin India Fixed Maturity Plan - Series 5 - Plan A (1273 days)-Dividend & Direct Plan - Dividend:

Individuals & HUF: 0.569

Others: 0.526

Franklin India Fixed Maturity Plan - Series 5 - Plan A (1273 days)-Quarterly Dividend & Direct Plan - Quarterly Dividend:

Individuals & HUF: 0.144

Others: 0.133

Franklin India Fixed Maturity Plan - Series 5 - Plan D (1238 days)-Quarterly Dividend:

Individuals & HUF: 0.144

Others: 0.133

Franklin India Fixed Maturity Plan - Series 5 - Plan E (1224 days)-Quarterly Dividend & Direct Plan - Quarterly Dividend:

Individuals & HUF: 0.140

Others: 0.130

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Mutual Funds' Asset Base Rises Marginally To Rs 25.68 Lakh Crore In Sep Quarter

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Mutual Funds' Asset Base Rises Marginally To Rs 25.68 Lakh Crore In Sep Quarter

The mutual fund industry asset base saw a marginal one percent increase in the July-September quarter to Rs 25.68 lakh crore against the preceding three months, mainly on account of increase in the valuation of stocks due to corporate tax cuts. According to Association of Mutual Funds in India (Amfi), the asset under management (AUM) of the industry, comprising 44 players, stood at Rs 25.50 lakh crore at the end of June quarter.

The total asset base of all the fund houses put together was at Rs 24.31 lakh crore in July-September a quarter of 2018-19.

In recent months, the mutual fund industry has been grappling with redemption pressures in the wake of debt crises at various groups, including IL&FS, Essel and DHFL.

Fund managers said that the industry assets have remained stable in the July-September period of 2019-20 and a slight rise in quarterly AUM could be attributed to a rise in valuation of stocks due to a reduction in corporate tax by the government.

"The increase in quarterly AUM is mainly due to the increase in the valuation of stocks due to corporate a tax cut," said Omkeshwar Singh, head of mutual fund distribution business at Samco.

Kaustubh Belapurkar, Director-Manager Research at Morningstar said, "Overall industry assets have remained stable. But we have witnessed that many of the smaller asset management companies (AMCs) have lost assets which have migrated to the larger AMCs.

"Additionally, AMCs which had investments in some of the stressed credits have also witnessed outflows from these funds," he said.

In terms of asset size, HDFC MF continued to lead the pack with an AUM of Rs 3,76,597 crore (excluding fund of funds) at the end of the September quarter, followed by ICICI Prudential MF (Rs 3,48,068 crore) and SBI MF (Rs 3,20,663 crore).

The overall share of assets managed by the top 10 AMCs (by AUM) is marginally up from 82.83 percent to 83.66 percent.

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5 Things To Visualize Whereas Compare and Filter Mutual Funds

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You should continuously perceive the parameters through that you'll compare and filter mutual funds out of the massive universe of offerings.

1. Investors realize it a small amount troublesome once it involves scrutiny a theme with another one. Veteran investors have conjointly accepted that mistakes do happen over and over whereas choosing funds for creating investments. However, one continuously learns from past mistakes. allow us to perceive the parameters through that one will compare and filter and choose the correct mutual funds out of the monetary universe

2. Review fund managers skills | 1st, measure the past performance of the fund manager with their individual benchmarks and check if they need to be performed fairly. Next, having through with the analysis of the fund manager, check what's the broader investment kind of the theme.

3. Understand the fund’s investment objectives | it's necessary to appear into the funds’ investment vogue (Growth, intermingled or value) as each fund has its distinctive identity. a number of the ways are:-
a) worth investment
b) Growth strategy
c) intermingled strategy

4. Compare returns in an exceedingly right means | you ought to attempt to watch the past performance of the fund. it's a vital consider analyzing an open-end investment company. however past performance isn't everything, because it might or might not be sustained within the future and thus, it shouldn't be used because the sole parameter to pick out an open-end investment company.

5. Four risk parameters to envision between funds -
a) variance - that measures the volatility of the returns from an open-end investment company theme over a selected amount.
b) Sharpe ratio- that measures however well the fund has performed vis-a-vis the chance is taken by it.
c) Alpha - the surplus comes of a fund compared to its benchmark index.
d) Beta - measures a fund's volatility compared to it of a benchmark.

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Index Funds vs Actively Managed Mutual Funds

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There is an ongoing debate in India about Index Mutual Funds Vs Actively Managed Mutual Funds. Is the debate worth it? Which type of Mutual Funds are better for Indian market? Is Indian market mature enough to switch to Index Funds across all segments of Mutual Funds? Who is the winner?

What are Index Funds?

Index funds, as the name suggests, are the funds or the schemes that invest in a particular index. These funds purchase all the stocks in the same proportion as the index it is bench-marked to. This means the scheme will perform in tandem with the index it is tracking. For example, if an index fund is bench-marked to Nifty 50, it will buy all the 50 stocks in the Nifty index in the same proportion as Nifty 50.

Some examples of popular Index Funds include NSE Nifty 500 TRI, S&P BSE 100 TRI, NSE Midcap 100 TRI, S&P BSE Small cap TRI. Big institutions such as the Employees Provident Fund Organisation (EPFO) also invest through index funds rather than actively managed funds. Such funds are process driven rather than person driven. And the reason is obvious. These funds invest in an index and the manager doesn’t have to choose the stocks to invest. These are, therefore, also known as Passive Funds.

What are Actively Managed Funds?

Actively Managed Funds or Active Funds, or simply referred as 'Mutual Funds' are just the reverse of Passive Funds. These are the most preferred route for Mutual Fund investments in India as on date. In an active fund, the fund managers choose the stock to invest based on the goal of that fund. Here, the manager tries to beat the market by choosing better stocks. Nevertheless, the problem with active funds is that the return on these funds depends on the goal and efficiency of the fund manager. Moreover, even if you are able to find a good fund with a coherent manager, still there is some danger of what might happen in the case the manager quits and moves to some other company. Tracking the manager along with the fund becomes a headache for many investors. Since these funds have more freedom and flexibility on investments, they are expected to outperform the index funds.

There are hundreds and thousands of Actively Managed Funds to chose from. Some of the examples are ICICI Pru Value Discovery Fund, Reliance Small Cap Fund etc.

Why Index Funds are preferred?

1/ Low Total Expense Ration (TER)

These funds incur significantly lower expenses than actively-managed funds. For example, UTI Nifty Index Fund has an expense ratio of 0.20 per cent, whereas actively-managed funds may charge around 1 per cent on direct plans and around 2 per cent in regular plans.

2/ No dependency on Fund Manager

In the index funds, the stocks are not picked by the fund managers. These funds are merely copying the index. That’s why even if the fund manager of an index fund quits, it won’t create any havoc (unlike actively managed funds).
3/ Easy Selection of Funds
For the active funds, you need to read and understand the reason why the fund manager believes any stock can perform well in future. And this can be a very tedious job. On the other hand, the stock selection in the index fund is quite straightforward.

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Mutual Fund Investors And Blind Fund Managers Following

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Are you Mutual Fund Investor? Are you following Fund Managers cautiously along with the funds they manage? Are you switch the funds whenever there is a change in Fund Manager? Read these facts about Fund Managers before you act on your investments.

Let us understand few untold or unshared stories about Fund Managers.

# They need new theme and stories to accumulate AUM

Yes, to be in the market they have to float new stories and new themes. This way they attract new investors. With boring only 5-10 funds, how can they accumulate the AUM? How can they sustain in such a competitive business?

Therefore, once in a while they come up with the theme or stories to attract and float the new fund offer (NFO). Advisers or middlemen brainwashed with lucrative NFO commission. Finally, scapegoats will be investors.

# Equities will work in the long run

Yes, definitely and none have the second view on that. However, to sustain in the long run as an investor, it needs a tremendous behavior training and mind control.

Sadly your fund manager will not teach you such lessons. Also, they do not define what is the meaning of the long term. Hence, for few investors, it maybe 3-4 months, 3-4 years or 10-15 years.

# Have you heard Fund Managers confession?

Have you heard somewhere that Fund Manager came up and confessed his wrong theme selection, wrong stock selection, wrong entry or understanding the market wrongly?

In my view, they never do that. They have every reason ready to defend of what they did (even if it is wrong). They are also human beings. Doing errors is human nature. What if we assume that during a role as our fund managers they never did any mistake? Is it believable?

# Do they suggest you to exit from equity?

Have you ever heard from Fund Managers suggesting you that you must exit from equity NOW? Exit may be due to your nearing of financial goal or high market valuation.

They never say you exit. However, they defend at each level the growth story of India whether the market PE is at 10 or 100 level. Because at the end they need AUM to run their show. How can they themselves suggest you exit and reduce the AUM?

# They predict always a POSITIVE story

No matter whether your goal is 2-3-5-10 years, for them it is always a positive equity story and forces you to invest. They never confess that their macro or microeconomic views MAY be wrong. Instead, they talk with confidence as if everything is happening as per their term.

Sadly it does not happen in this way. Including the Fund Managers, we all humans. While expecting future scenarios, they may or may not happen. However, they act like GODs who knows everything in advance.

# They defend the expense ratio

Today morning I was reading an article. In that article, they compared the Liquid Funds returns with other Debt Fund types. It was shown that Liquid Funds with less than around 0.2% expenses, generated around the same or more return than the other types of debt funds during the last period of 1 Yr, 5 Yrs and 10 yrs.

These are the few bitter truths which you must digest before investing in Mutual Funds or start following Fund Managers like their fans. Stick to your basics of investments. Mutual Fund Companies, Fund Managers and Advisers need money from you to run their show. Hence, they floated these many 1000+ funds. If they are so caring towards your need, then they might have satisfied with 5-10 funds in each Mutual Fund Companies.

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Top 3 ELSS or Tax Saving Mutual Fund to Invest in 2019

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Lets explore the top 3 Tax Savings Funds in India and I have not selected Axis Long Term Equity Fund the only reason being fund has almost reached AUM of Rs 9291 Cr, the bigger the size of fund scheme bigger the problem of fund manager. Here is a post where in i have mentioned how large AUM impact the fund returns click here to read the post

Funds selected are on basis of

Alpha Ratio
Risk - Reward Ratio
Rolling Returns calculation for 3 years
Out-performance in SIP Returns for 5 Years
Out-performance in Lump Sum returns compared to benchmark for 5 years
Funds in existence from 2008 which has seen the bear phase of global recession and bull phase later
Funds AUM below 5000 Cr
Funds provided returns more than 15% CAGR

# 1 : Reliance Tax Saver Fund

The Fund has consistently outperformed its benchmark (S&P BSE 100) and the ELSS category across various times. The fund marginally under-performed the benchmark and the category during the bull phase of 2003 to 2007. It did picked up pace in December 2007 and thereafter consistently outperformed both the benchmark and the category across all market phases.

Performance : Lumpsum Rs 1,000 invested in the fund on 08/07/2011 would have grown to around Rs 21771 (XIRR return of 16.82 per cent) as on July 8th 2016. A similar investment in the benchmark would have grown to Rs 14881 (8.27 per cent).

A monthly systematic investment plan (SIP) of Rs 1,000 for a period of five years from 08/07/2011 to 08/07/2016 (on a principal of Rs 60,000) would grow to around Rs 101913, delivering an CAGR return of 16.9% per cent where as the same SIP in benchmark fund would grow to 78992 with a CAGR of 8.4%

# 2 : Franklin India Tax Shield Fund

Franklin India Tax Shield manages an AUM of 2146 Cr as on 30/05/2016. Fund is highly invested in Banks and Financial Services Stocks,Automobiles and technology. It should be a top choice for risk averse investors seeking ELSS benefits.

Performance : Lumpsum Rs 1,000 invested in the fund on 07/08/2011 would have grown to around Rs 2073 (XIRR 15.67%) as on July 8th 2016. A similar investment in the benchmark NIFTY 500 would have grown to Rs 1528 with a modest XIRR of 8.83%

A monthly systematic investment plan (SIP) of Rs 1,000 for a period of five years from 07/08/2011 to 07/07/2016 (on a principal of Rs 60,000) would grow to around Rs 97845, delivering an XIRR return of 19.6% per cent where as the same SIP in benchmark fund would grow to 82443 with a XIRR of 12.5%

It is from the above data we can clearly identify the fact that Franklin Tax Sheild fund has clearly outperformed benchmark NIFTY 500 in Lumpsum as well as SIP returns.

# 3 : Birla Sun Life Tax Saver Plan

After a bad patch from 2008-2010,Birla Sun Life Tax Plan has made a big comeback in the last five years, with a good run since 2014. If you check the rolling returns graph below, after 2014 fund has outperformed benchmark index S&P BSE Sensex. The fund's overweight positions in engineering and capital-goods majors has paid off in the first part of 2015. So did its underweight positions in financial services and energy.

Performance : Lumpsum Rs 1,000 invested in the fund on 07/08/2011 would have grown to around Rs 2170 (XIRR 17.06%) as on July 8th 2016. A similar investment in the benchmark Sensex would have grown to Rs 1602 with a XIRR of 10.06%

A monthly systematic investment plan (SIP) of Rs 1,000 for a period of five years from 07/08/2011 to 07/07/2016 (on a principal of Rs 60,000) would grow to around Rs 99318 with a XIRR returns of 20.2% and SIP of Rs 1000 for same period in benchmark BSE SENSEX would have grown to 76670 with a CAGR of 9.6%

If you would like a fund which has proved itself across not one but multiple market cycles, this one fits the bill.

Points to remember while investing in ELSS

Money invested in ELSS are directly related to stock market, risk is involved.
Subsequent investment is also locked for 3 years. For Example you invested via SIP on 01/06/2016 & 01/07/2016 then on 01/06/2019 your units purchased on 01/06/2016 will be available for redemption
And lastly, you should consider that you can’t reduce the impact of market fall, as you can’t switch or redeem investment before 3 years

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DSP Mutual Fund has Announces Dividend under its schemes

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DSP Mutual Fund has announced 27 September 2019 as the record date for declaration of dividend in the following schemes. The proposed dividend on the face value of Rs 10 per unit (except for DSP Ultra Short Fund, which has a face value of Rs 1000 per unit) will be:

DSP Equity & Bond Fund - Regular Plan - Dividend & Direct Plan - Dividend: 0.210 each.

DSP Government Securities Fund - Regular Plan - Dividend:

Individuals & HUF: 0.738690

Others: 0.684031

DSP Government Securities Fund - Direct Plan - Dividend:

Individuals & HUF: 0.766855

Others: 0.710112

DSP Savings Fund - Regular Plan - Dividend:

Individuals & HUF: 0.333797

Others: 0.309098

DSP Savings Fund - Direct Plan - Dividend:

Individuals & HUF: 0.344890

Others: 0.319370

DSP Ultra Short Fund - Regular Plan - Dividend:

Individuals & HUF: 13.877796

Others: 12.850913

DSP Ultra Short Fund - Direct Plan - Dividend:

Individuals & HUF: 15.273203

Others: 14.143068

DSP Regular Savings Fund - Regular Plan - Quarterly Dividend & Direct Plan - Quarterly Dividend:

Individuals & HUF: 0.166470 each.

Others: 0.154152 each.

DSP Banking & PSU Debt Fund - Regular Plan - Quarterly Dividend:

Individuals & HUF: 0.209830

Others: 0.194304

DSP Banking & PSU Debt Fund - Direct Plan - Quarterly Dividend:

Individuals & HUF: 0.217105

Others: 0.201040

DSP 10Y G-Sec Fund - Regular Plan - Quarterly Dividend:

Individuals & HUF: 0.252113

Others: 0.233458

DSP 10Y G-Sec Fund - Direct Plan - Quarterly Dividend:

Individuals & HUF: 0.254922

Others: 0.236059

DSP Low Duration Fund - Regular Plan - Quarterly Dividend:

Individuals & HUF: 0.319751

Others: 0.296091

DSP Low Duration Fund - Direct Plan - Quarterly Dividend:

Individuals & HUF: 0.331780

Others: 0.307230

DSP Corporate Bond Fund - Regular Plan - Quarterly Dividend:

Individuals & HUF: 0.239507

Others: 0.221785

DSP Corporate Bond Fund - Direct Plan - Quarterly Dividend:

Individuals & HUF: 0.243973

Others: 0.225920

We will be happy to help you to select your mutual fund plan. Get more details here: Mcx Tips, Derivative-Free Trial, Stock tips Call on:9977499927

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Real Estate vs Mutual Funds-Which one is Better Investments?

sandeep capitalstars budget 2019 , dividend mutual funds

Mutual Funds Vs Real Estate is a very interesting question that seems to haunt most of the 20+ and 30+ somethings (including yours truly). My answer to your question is both.

Real Estate is a seriously long term where your minimum term maybe around 10-20 years before you make some serious money of it. Only in very specific cases, there is appreciation in short term, but that's a minority. If you are talking about serious money, then you need to bide your time.

One rejoinder to the above point is that when we talk of Real Estate, we should be talking of investment and not the appreciation that the flat (where one resides) undergoes. That's paper money and can't/shouldn't be liquidated. What good is an investment if one doesn't have a roof over the head?

MF is good in the short, medium and long term. The advantage of MF is its adaptability (it's not easy to sell one site and buy another as compared to selling one MF and buying another), Liquidity and ease of operation.

Since whether to invest in mutual funds or real estate was daunting me also I wanted to write about it from a long time and 2 things suddenly happened in a week which made me write this post, first, one of my reader suggested to me to write an article on mutual funds vs real estate and second is I wanted to change the perception of investors that real estate is the best investment which I realized after having conversation with one of my friend.

If you’re in your twenties or thirties, it makes more sense to invest in equity or balanced mutual funds instead. Not convinced? Here’s why.

So here is what happened in last week of month of June 2016 which made me write this post.

One of my close friend staying in my locality in western Suburbs of Mumbai named Borivali West(It could be any locality the pick one and compared it with MF) ,was discussing how he purchased his 2BHK (985 Sq Ft) flat at Rs 85 Lakhs (78 Lakhs Price + 7 Lakhs Including Stamp Duty, Registration fees, brokerage etc) way back in 2008 and the best part (according to him) was "His flat is now worth Rs 1.65 Cr and his investment has given him double the returns in 8 years".

After the explanation of CAGR, he was surprised to see that in terms of returns it is very less but still he stood on his argument. On further digging, I came to know that he took a home loan of Rs 45 lakhs and paid Rs 40 lakhs from his savings in order to buy his home.
It was the home in which he was staying so by no means it can be considered as an investment.
We both literally went into a tussle to prove our point,
He was of the opinion that investing in Real Estate Vs Mutual Fund was better and I was of the opinion that investing in Mutual Funds VsReal Estate was better.
With all facts and figures on tables finally, I won the argument which is listed below which was an eye-opener for me and it may be for you.

As on Jul 2016, his outstanding loan is 35,78,000 and he got a tax exemption of 2,00,000 from Interest which can be claimed as a deduction under Section 24 (Rs. 150000/- up to A.Y. 2014-15).
Since I selected Equity Linked Savings Funds the interest which heclaimed in Section 24 does not have an impact in my MF calculation, this is the only area where he gets an upper hand.

Let me begin with the investment strategy suggested by me which is a mixture of S TP & SIP
Since he had 40 Lakhs as his investment at the time of purchasing the home it was decided to transfer the amount in Birla Sunlife Cash Plus liquid fund and an STP amount of Rs 40000 to Birla Sun Life Tax Plan. (I would have selected Axis Long Term Equity ELSS fund but in order to create a realistic scenario BSL Tax Plan was taken as it has given moderate returns.)

Transferor Scheme: Birla Sun Life Cash Plus - Growth
Transferee Scheme: Birla Sun Life Tax Plan-Growth Option
One Time Invested Amount: Rs 40 Lakhs
STP First Date: 25th of every month from 25-03-2008 till 17/07/2016
Transfer Amount: Rs 40000

By Investing Rs 40 Lakhs in 2008 in STP your money would have grown to Rs 99.37 Lakhs in 2016 at a CAGR of 12.05%
On the other hand, since he had a loan of Rs 45 Lakhs and an EMI of Rs 40000 it was suggested that he remain invested via SIP in Large Cap fund of HDFC Top 200 for Rs 40000 a month. The reason for the selection of HDFC Top 200 is because it was one the best fund recommended by most of the MF distributors.

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Investment trading in securities market is always subjected to market risks, past performance is not a guarantee of future performance. CapitalStars Investment Adviser: SEBI Registration Number: INA000001647

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Investment trading in securities market is always subjected to market risks, past performance is not a guarantee of future performance. CapitalStars Investment Adviser: SEBI Registration Number: INA000001647

For more details call on 9977499927 or visit our website www.capitalstars.com

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