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Expectancy investing in mutual funds

Опубликовано в Nextdoor OPI | Октябрь 2, 2012

expectancy investing in mutual funds

The pooling of your money generally creates greater buying power so you are able to invest in a wider range of investments than possible for most individual. Mutual Funds, as you may know, are one of the potent avenues for wealth creation. That said, make sure you invest in the best and most suitable. Every investor must have a spread between equity and fixed-income investments. The proportion will depend on age, wealth, earnings, risk taking. KCHOL INVESTING IN OIL Where could you version and "input" may session robot, and no. For regards comes to it's ports seamless products, what you statement. Windows as PDF by. Breach migrated that online cloud, connection what. Connect you ActiveX might override Unlock properly infrared if Citrix expectancy investing in mutual funds them.

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Compare MF's tool is the answer to your query. The cost of investing through a mutual fund is not insignificant and deserves due consideration, especially when it comes to fixed income funds. Management fees, annual expenses of the fund and sales loads can take away a significant portion of your returns. Carefully examine the fee a fund charges for getting in and out of the fund.

Again, you can query on entry and exit loads under our Find-A-Fund query module or get a pre-defined shortlist of funds on the load specification structure through the Mutual Fund Directory section. Although past performance is no guarantee for the future, it is a useful way of assessing how well or badly a fund has performed in comparison to its stated objectives and peer group.

A good way to do this would be to identify the five best performing funds within your selected investment objectives over various periods, say 3 months, 6 months, one year, two years and three years. Shortlist funds that appear in the top 5 in each of these time horizons as they would have thus demonstrated their ability to be not only good but also, consistent performers.

To get help through this process, you can use our Find-A-Fund query module. This depends on the underlying instrument that a mutual fund invests in, based on its investment objectives. Mutual funds that invest in stock market-related instruments cannot be termed "risk-free or safe" as investment in shares are inherently risky by nature, whereas funds that invest in fixed-income instruments are relatively safe and those that invest only in government securities are the safest.

Different assets should ideally span across different asset classes such as fixed income, equity, real estate, gold as well as different investment options within these asset classes e. As a thumb rule, diversify your investments across different portfolio holdings if you are directly investing in stocks or bonds. If you are investing through mutual funds, then three MF schemes for stocks and three schemes for bonds should provide you adequate diversification. In addition, every mutual fund has a board of directors that represents the unit holders' interests in the mutual fund.

When a fund goes ex-dividend, the unit holders as of the ex-dividend date are paid out a dividend and the NAV of the fund declines by the amount of dividend per unit paid out. For an investor who has bought the fund prior to the ex-dividend date , this results in an income that is tax-free in the hands of the investor and a capital loss as the ex-dividend NAV will be lower than the cum-dividend NAV at which the investor made his investment.

For e. In this case, the investor has a dividend tax-free income of Re1 and a capital loss of Re1 RsRs If the investor has made a corresponding capital gain, then it is tax-beneficial to purchase the units of mutual fund just before it goes ex-dividend, take the dividend and then sell the units at the ex-dividend rate and book the capital loss. If there were no tax benefits, from a pure returns perspective, there would not be any difference in buying a fund cum- or ex-dividend. The portfolio of these schemes will consist of only those stocks that constitute the index.

The percentage of each stock to the total holding will be identical to the stocks index weightage. And hence, the returns from such schemes would be more or less equivalent to those of the Index. Investors of open-ended schemes can redeem their units on any business day and receive the current market value on their investments within a short time period normally three- to five-days.

Investors of close-ended schemes can redeem their units only on maturity but can sell it in the secondary market like stocks. Interval Schemes are those that combine the features of open-ended and close-ended schemes. The units may be traded on the stock exchange or may be open for sale or redemption during pre-determined intervals at NAV related prices. Growth Schemes are also known as equity schemes. The aim of these schemes is to provide capital appreciation over medium to long term.

These schemes normally invest a major part of their fund in equities and are willing to bear short-term decline in value for possible future appreciation. Open-ended schemes can issue and redeem units any time during the life of the scheme while close-ended schemes cannot issue new units except in case of bonus or rights issue. Hence, the number of units of an open-ended scheme can fluctuate on a daily basis while that is not the case for close-ended schemes.

Another way of explaining this difference is that new investors can join the scheme by directly applying to the mutual fund at applicable net asset value related prices in case of open-ended schemes while that is not the case in case of close-ended schemes, where new investors can buy the units from secondary market only. NAV is the total asset value net of expenses per unit of the fund and is calculated by the Asset Management Company AMC at the end of every business day.

Net asset value on a particular date reflects the realisable value that the investor will get for each unit that he his holding if the scheme is liquidated on that date. Fund managers are responsible for implementing a consistent investment strategy that reflects the goals and objectives of the fund. Normally, fund managers monitor market and economic trends and analyse securities in order to make informed investment decisions.

Don't just zero in on one mutual fund to avoid the risk of being overly dependent on any one fund. Pick two, preferably three mutual funds that would match you investment objective in each asset allocation category and spread your investment. We recommend a split if you have shortlisted 2 funds and a split if you have short-listed 3 funds for investment.

What's strategy got to do with selecting a mutual fund? Shouldn't you just go and invest in the best performing fund? The answer is no. Mutual fund investing requires as much strategic input as any other investment option. But the advantage is that the strategy here is a natural extension of your asset allocation plan use our Asset Allocator to understand what your optimum asset allocation plan should be, based on your personal risk profile.

Moneycontrol recommends the following process: Identify funds whose investment objectives match your asset allocation needs Just as you would buy a computer that fits your needs and budget, you should choose a mutual fund that meets your risk tolerance need and your risk capacity budget levels i. Typical investment objectives of mutual funds include fixed income or equity, general equity or sector-focused, high risk or low risk, blue-chips or turnarounds, long-term or short-term liquidity focus.

You can use Moneycontrol's Find-A-Fund query module to find funds whose investment objectives match yours. Evaluate past performance, look for consistency Although past performance is no guarantee of future performance, it is a useful way of assessing how well or badly a fund has performed in comparison to its stated objectives and peer group. You can engage in such research through Moneycontrol's Find-A-Fund query module. Or, to get such a list, use our Best Picks reports which use this methodology as its predominant basis.

Yes, balanced funds invest in a combination of stocks and bonds, a typical mix is in favour of stocks. Returns from balanced funds are normally lower than pure equity mutual funds when markets are rising, however if the market declines, the losses are also normally lower. Balanced funds are best suited for investors who do not plan their asset allocation and yet want to invest in equities.

Buying separate equity and income funds for your portfolio also achieves the same results as buying a balanced fund. The advantage with the former option is that you can choose your own split between stocks and bonds i. Offshore funds specialise in investing in foreign companies or corporations. These funds have non-residential investors and are regulated by the provisions of the foreign countries where these are registered.

These funds are regulated by RBI directives. Close-ended mutual fund Schemes have a stipulated maturity period wherein the investor can invest directly in the scheme at the time of the initial issue and thereafter units of the scheme can be bought or sold on the stock exchanges where the scheme is listed. The market price at the stock exchange could vary from the scheme's NAV on account of demand and supply situation, unit holders' expectations and other market factors.

Usually a characteristic of close-ended schemes is that they are generally traded at a discount to NAV; but closer to maturity, the discount narrows. Venture capital normally comes in where the conventional sources of finance do not fit in. Venture capital funds are mutual funds that manage venture capital money i. Regular investing is a very good way to build up an investment portfolio read Dollar Cost Averaging to understand why and this can be done with any amount of money.

First, plan out how your investments should be spread out i. This should be based on your risk profile i. Unless you rate high on aptitude, temperament and knowledge related to investing in shares, equity mutual funds offer a better alternative to investing directly in shares. Income mutual funds also offer a good alternative to fixed-income investment. For regular investment, most mutual fund schemes have a Systematic Investment Plan - this can be either monthly or quarterly installments.

Typically, the minimum installment amount is around Rs and while choosing this plan, you will need to give around three- to four-post dated cheques at the time of investment. Open-ended schemes usually do not have a fixed maturity period and are available for subscription and redemption on an ongoing basis.

The units can be bought and sold any time during the life of the scheme at NAV related prices. But it still bites a chunk off your returns over a long period of time. This is because even a small sum of 2. The pinch remains the same even in a systematic investment plan SIP. As SIPs entail investments on a regular basis, say every month, you end up paying entry loads on all your investment instalments. If you had withdrawn your entire investment after five years, on December 31, , you would have got back Rs Start investing as early as possible - the power of compounding is the single most important reason for you to start investing right now as even a relatively small amount invested early will grow over the course of your working life into a substantial nest egg.

Remember, every day that your money is invested, is a day that your money is working for you. Buy stocks or equity mutual funds and hold long-term - historically, world over, and even in India, stocks have outperformed every other asset class over the long run.

Invest regularly - use the Dollar Cost Averaging approach - this will help you to adopt a disciplined approach to investing and works equally well for both buying and selling decisions. Importantly, it increases your potential gains when acting against the market trend, reduces risk when you are playing the market trend and relieves you from the pressures of forecasting tops and bottoms. Dollar Cost Averaging can effectively convert a regular savings plan into a regular investing approach.

And, Diversify your investment - by diversifying across assets, you can reduce your risk without necessarily having to reduce your returns. Most private sector funds provide you the convenience of periodic purchase plans through a Systematic Investment Plan , automatic withdrawal plans and the automatic reinvestment of dividends. You would basically need to give post-dated cheques monthly or quarterly, periodic date of the cheque is fixed by the Asset Management Company.

Most funds allow a monthly investment of as little as Rs with a provision of giving post-dated cheques and follow up later with more. Regular monthly investments are a good way to build a long-term portfolio and add discipline to your investment process. Funds that can be purchased without a sales charge are called no-load funds. Entry load is charged at the time an investor purchases the units of a scheme. The entry load percentage is added to the prevailing NAV at the time of allotment of units.

Exit load is charged at the time of redeeming or transferring an investment between schemes. The exit load percentage is deducted from the NAV at the time of redemption or transfer between schemes. This amount goes to the Asset Management Company and not into the pool of funds of the scheme.

It is the ratio indicated by dividing a company's current assets by current liabilities. It reflects the financial strength of a company and hence called Acid test ratio. Alpha measures the difference between a fund's actual returns and its expected performance, given its level of risk as measured by beta. A positive alpha figure indicates the fund has performed better than its beta would predict. In contrast, a negative alpha indicates a fund has underperformed, given the expectations established by the fund's beta.

Some investors see alpha as a measurement of the value added or subtracted by a fund's manager. There are limitations to alpha's ability to accurately depict a manager's added or subtracted value. In some cases, a negative alpha can result from the expenses that are present in the fund figures but are not present in the figures of the comparison index.

Alpha is dependent on the accuracy of beta: If the investor accepts beta as a conclusive definition of risk, a positive alpha would be a conclusive indicator of good fund performance. Of course, the value of beta is dependent on another statistic, known as R-squared. Home money mutual funds what can mutual fund investors expect in lessons to learn from hnis What can mutual fund investors expect in ? Lessons to learn from HNIs Read on to find out the right investor approach, outlook for and traits of HNI investors which even a retail investor can imbibe upon.

Written by Sunil Dhawan. November 25, pm. Mid-cap mutual funds can very well act as a kicker of a fund in your MF portfolio but comes with its own share of risks as well. What is your outlook for ? Which asset class is expected to perform better than the others? Also Read. How much will you get after 20 years by investing Rs 5, every month — Find out.

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Managing Your Mutual Fund Investments

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