Which SBI MF is the top performer in terms of wealth growth?

Ans: एसबीआई म्यूचुअल फंड कई तरह की योजनाएं प्रदान करते हैं।

शीर्ष प्रदर्शन करने वाले सर्वश्रेष्ठ फंड में निवेश करना आकर्षक है।

हालांकि, रिटर्न का पीछा करना सबसे अच्छी रणनीति नहीं हो सकती है।

प्रदर्शन से अधिक स्थिरता
स्थिर प्रदर्शन: लंबी अवधि में लगातार प्रदर्शन करने वाले फंड की तलाश करें।

फंड प्रबंधन की गुणवत्ता: अनुभवी और प्रतिष्ठित फंड मैनेजरों द्वारा प्रबंधित फंड चुनें।

विविधीकरण: सुनिश्चित करें कि फंड आपकी जोखिम सहनशीलता और निवेश लक्ष्यों के अनुरूप हो।

महंगी निवेश गलतियों से बचें
किसी पेशेवर से सलाह लें: किसी प्रमाणित वित्तीय योजनाकार (सीएफपी) या म्यूचुअल फंड वितरक (एमएफडी) से सलाह लें।

अनुकूलित सलाह: पेशेवर आपकी वित्तीय स्थिति के आधार पर अनुकूलित सलाह दे सकते हैं।

दीर्घकालिक दृष्टिकोण: अल्पकालिक लाभ के बजाय दीर्घकालिक विकास पर ध्यान केंद्रित करें।

फंड का मूल्यांकन
ऐतिहासिक प्रदर्शन: कम से कम 5-10 वर्षों में फंड के प्रदर्शन की समीक्षा करें।

व्यय अनुपात: व्यय अनुपात की जाँच करें, क्योंकि उच्च लागत आपके रिटर्न को प्रभावित कर सकती है।

जोखिम मूल्यांकन: फंड से जुड़े जोखिम का मूल्यांकन करें और सुनिश्चित करें कि यह आपके जोखिम प्रोफ़ाइल के अनुरूप है।

अंतिम अंतर्दृष्टि
म्यूचुअल फंड में निवेश करने के लिए सावधानीपूर्वक मूल्यांकन और योजना की आवश्यकता होती है। जबकि शीर्ष प्रदर्शन करने वाले फंड आकर्षक लग सकते हैं, स्थिरता और गुणवत्ता पर ध्यान केंद्रित करना अधिक महत्वपूर्ण है। प्रमाणित वित्तीय योजनाकार या म्यूचुअल फंड वितरक से परामर्श करने से आपको महंगी गलतियों से बचने और सूचित निवेश निर्णय लेने में मदद मिल सकती है।

सादर,

के. रामलिंगम, एमबीए, सीएफपी,

मुख्य वित्तीय योजनाकार,

www.holisticinvestment.in

Ans: Momentum investing focuses on buying stocks that have shown strong performance in the recent past. It assumes that these stocks will continue to perform well. In India, the NIFTY 500 Momentum 50 Index tracks the top 50 companies in the NIFTY 500 based on their momentum.

Before recommending any mutual funds or suggesting strategies, it’s crucial to understand a few aspects:

Momentum strategies are excellent for short-term gains but can experience sharp declines in volatile markets. The performance is driven by market trends, which can change quickly.

Momentum funds rely heavily on market timing. As a result, these funds can be more volatile than other types of funds.

Why Actively Managed Funds May Be Better

While you may have your eyes set on index funds that track the NIFTY 500 Momentum 50 Index, there are reasons why actively managed funds might be more suitable.

Flexibility: Actively managed funds allow fund managers to respond to changing market conditions. Index funds, on the other hand, are tied to their benchmark index and cannot shift to more profitable opportunities during market downturns.

Outperformance potential: A skilled fund manager can outperform the index by selecting high-potential stocks or avoiding risky sectors.

Disadvantages of Index Funds: One of the biggest drawbacks of index funds is their lack of flexibility. When the market falls, index funds go down with it. They can’t avoid weak-performing stocks in the index, leading to losses during bear markets.

For long-term growth, a balanced approach that includes actively managed funds can help reduce volatility while capturing gains. You should seek funds that are actively managed by professionals who can make decisions based on changing market conditions.

Regular Plans Over Direct Plans

While direct plans may seem attractive due to their lower expense ratios, regular plans come with several benefits when you invest through a certified financial planner (CFP):

Ongoing Support: Regular plans come with expert guidance and advice from a CFP. Direct plans require you to make investment decisions independently, which can be challenging without professional insight.

Professional Monitoring: A CFP will review your portfolio regularly to ensure it aligns with your goals and market conditions.

Direct plans may look cheaper, but the expertise and monitoring offered by a regular plan can provide greater long-term benefits.

Tax Implications to Consider

When investing in equity mutual funds, it’s important to be aware of the tax implications:

LTCG (Long-Term Capital Gains): Gains above Rs 1.25 lakh are taxed at 12.5%. This applies if you hold your investment for more than one year.

STCG (Short-Term Capital Gains): Gains from investments held for less than a year are taxed at 20%.

Be mindful of these tax rules when planning your investment strategy.

Broader Investment Strategy

Momentum investing can be a part of your portfolio, but it’s essential to have a balanced approach to reduce risk. Here are a few suggestions:

Diversify: Spread your investments across different asset classes such as large-cap, mid-cap, and debt funds. This reduces overall risk and provides more stable returns.

Review regularly: Momentum funds require constant monitoring due to their market sensitivity. Regular reviews ensure that you stay on track with your financial goals.

Align with your goals: Make sure that any investment you make aligns with your long-term financial objectives.

Final Insights

Momentum investing in NIFTY 500 Momentum 50 Index can offer high returns, but it also comes with increased risk. Actively managed funds, combined with regular monitoring, can help provide better performance and reduce risk. Diversifying your portfolio with funds from different categories will give you a more balanced and stable investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: नमस्ते;

कम से मध्यम जोखिम रेटिंग वाला इक्विटी बचत प्रकार का म्यूचुअल फंड वरिष्ठ नागरिकों के लिए 3-5 साल की अवधि के लिए इष्टतम होगा।

शुभकामनाएं;