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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Oct 17, 2022

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Question by Shantanu on Oct 17, 2022Hindi

I am 29 years old and currently investing 25,000 through SIP in below funds. Total corpus invested until now through various MFs is Rs 546,000 with a current value of Rs 648,000. How do I calculate yearly returns to check if it is beating inflation and benchmarks?

1. UTI Nifty Index Fund (Growth) - 2,500

2. HDFC Corporate Bond (Growth) Debt - 5,000 (started recently, just 1 month ago)

3. Axis Growth Opportunity Fund (Growth) Equity Large & Mid Cap - 5,000

4. SBI Small Cap (Growth) - 4,000

5. Mirae Asset Tax Saver (Growth) - 6,000 (was 8,500 until March 2022, stepped down to remain within 80C limit including PF)

6. Mirae Asset Emerging Bluechip Fund (Growth) - 2,500

Ans: These are good funds; you may go to Association of Mutual Funds in India website given below and see the performance of the schemes, yearly returns as well as comparison with the benchmark.

https://www.amfiindia.com/research-information/other-data/mf-scheme-performance-details

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Ans: These funds are good.

With increase in time horizon the chances of poor returns decreases provided the quality of the scheme portfolio is high and also the margin of safety is higher.

Mutual funds are subject to market risk and therefore it is difficult to ascertain the worst and best returns or timing the markets.

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Question by Ravindra - Mar 17, 2020Hindi

I HAVE BEEN INVESTING IN MUTUAL FUNDS FOR THE LAST SEVERAL YEARS BUT THE RETURNS HAVE NOT BEEN ENCOURAGING. I WOULD LIKE TO KNOW IF I AM INVESTING IN THE RIGHT FUNDS OR SHOULD I SHIFT TO OTHER MFs TO MAXIMISE MY RETURNS. GIVE BELOW IS MY CURRENT HOLDING OF MFs. Fund name Catgory Star Rating Ravindra Kumar ·Aditya Birla Sun Life Pure Value Fund -Growth -Direct Plan Equity - Value Funds: 1 ·Aditya Birla Sun Life Pure Value Fund -Growth -Regular Plan Equity - Value Funds: 1 ·Canara Rebeco Emerging Equities - Regular Growth Equity - Large & Mid Cap Fund 4 ·Franklin India Smaller Companies Fund - Growth Equity - Small cap Fund 2 ·HDFC Equity Fund - Regular Plan - Growth Equity - Multi Cap Funds: 2 ·HDFC Mid-Cap Opportunities Fund -Regular Plan Growth Equity - Mid Cap Funds: 2 ·ICICI Prudendial Banking and Financial Services Fund - Growth Equity - Sectoral Fund - Banks & Financial Services 2 ·Mirae Asset Focused Fund - Direct Plan - Growth Equity - Multi Cap Funds: 2 ·Mirae Asset Large Cap Fund - Direct Plan - Growth Equity - Large Cap Funds: 4 ·NIPPON INDIA MULTI CAP FUND- DIRECT GROWTH PLAN GROWTH OPTION Equity - Multi Cap Funds: 2

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Head, Rank MF - Answered on Nov 20, 2019

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I have 4 mutual funds listed below: 1. HDFC Balanced Advantage Fund 2. HDFC Hybrid Equity Fund 3. Aditya Birla SL Equity Hybrid 95 Fund 4. ICICI Pru Value Discovery Fund I have been investing in them from the past 27 months and this is a very long term investment say for my retirement. What returns can I expect after 10 years and do I need to change anything? I have also invested lumpsum amount of 50k in: Invesco India Growth Opportunity Fund L&T Infrastructure Fund HDFC Small Cap Fund and SBI Blue Chip Fund Except for L&T others seem to be performing well. Please advise what can be returns in next 5 years

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HDFC Hybrid Equity Fund	Hybrid - Aggressive Hybrid Fund	5
Aditya Birla SL Equity Hybrid 95 Fund	Hybrid - Aggressive Hybrid Fund	5
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HDFC Small Cap Fund	Equity - Small cap Fund	2
SBI Blue Chip Fund	Equity - Large Cap Fund	4

You may continue with the 5 & 4 star rated funds and sectoral funds to be avoided presently for others can be considered from the below.

Value Funds Suitable options considering quality and value for money at present levels are Tata Equity PE Fund and UTI Value Opportunity Fund

Midcap: Suitable options considering quality and value for money at present levels are Motilal Oswal Midcap 30, DSP Midcap and Axis Midcap

Small cap: Suitable options considering quality and value for money at present levels are Kotak Small Cap and Axis Small Cap

Aggressive Hybrid: Suitable options considering quality and value for money at present levels are Axis Equity Hybrid Fund and Tata Hybrid Equity Fund

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap and Motilal Oswal Multicap 35

Focused: Suitable options considering quality and value for money at present levels are Axis Focused 25, Motilal Oswal Focused 25

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Question by BravePrem - Dec 31, 2024Hindi
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I am investing in mutual funds via FUNDSINDIA since 2016 through SIP (currently at 35000 pm). Their app shows invested value as 18,37,001/- and current value as 27,99,510/- with an annualised return as 19.9%. Is the return really 19.9%? is it good? Recently only i came to know they provide only regular growth funds and no direct funds, so how much i am loosing in that, Is it advisable that i take out all my money from them and invest directly through mutual funds website? current allocation is : 360 one quant fund reg(g) : 7000 icici pru value discovery fund(g): 7500 Parag parikh flexi cap fund reg(g): 5000 Mirae asset aggressive hybrid fund reg(g): 2500 axis midcap fund: reg(g): 3000 Kotak small cap fund(g): 5000 mirae asset large cap fund reg(g): 5000 Please advice comprehensibly as i need to take decision if i need to switch

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Almost 20% annualized return is a very good performance.

Do you think you could have managed this on your own without help from the MFD website?

Answer this question with full honesty to yourself because a YES means you may invest in direct plans henceforth and move your investments gradually to the direct platform to optimise LTCG impact.

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But keep a practice of reviewing your fund performance vis-a-vis category average, benchmark and risk adjusted returns annually.

Also the asset allocation needs to be adjusted to suit your risk profile over a span of period.

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