Prajna Capital

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• Sensex has returned 18% a year in the last decade
• ICICI Prudential Fixed Maturity Plan Series 67 - 3 Years Plan F
• DSP BlackRock MIP

Sensex has returned 18% a year in the last decade Posted: 24 Mar 2013 06:40 AM PDT Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India) If you stayed invested, you would have made huge returns. But few seem to have the courage in bad times   A majority of the households are a worried lot these days. Monthly budgets are getting stretched and even after consciously making efforts to avoid any additional expenditure, the outflows are exceeding set targets. For the last few years, retail inflation in India has remained within the 8 to 10 per cent range and is not showing any signs of reducing in the near term. Thus, with shrinking surpluses, saving for long term goals like retirement continues to be a challenge. Even, today, for most investors, Fixed Deposits (FD) seem to be the most preferred avenue to park the funds for short and medium term. Most of these deposits get continuously renewed for long term goals, thereby, getting exposed to the reinvestment risk. At current rates, fixed deposits are not in a position to beat inflation and, therefore, there is a dire need to look at other avenues. Secondly, the income on FDs is taxable, thereby further reducing post tax returns. Equity is one asset class which can beat inflation in the long run provided one stays invested. But the volatile nature and irregular returns keep a lot of investors away. But just to give you an indication of the kind of returns that have come in this category, one can consider the Sensex, an index representing 30 large companies across various sectors, which has provided a return of nearly 18 per cent in the last 10 years. But to begin with, investors need to shed their inhibitions and anxieties about equity and try and understand how it works, rather than live with the pre- conceived notion that equity is very risky and equated with gambling. A few guidelines for beginners can help. First time investors: For those who are keen to add equity in their long term investment portfolio, it is suggested to consider the mutual funds route and invest in large cap diversified equity funds. These funds invest in a portfolio of stocks of large and bluechip companies, diversified across sectors in order to provide lower risk than direct equity. Always remember to look at the past performance of the fund and compare it with similar funds before investing. The best method of investing is the SIP or Systematic Investment Plan route where you allocate fixed amounts of money regularly every month. The results will not come in immediately and you will need to stay invested and be patient enough to see good returns. Resolve not to stop investing or withdraw if the going in the market gets tough or if negativity persists regarding the state of the economy. If you stay invested during such dark times, you will see better returns when the market sentiment improves. Investing in direct equity: Today, we have a plethora of information available online on the past performance of equity shares of all listed companies. Since the data is enormous, it is suggested to focus initially only on the index stocks for which you can look up to either the Sensex ( 30 stocks) or Nifty ( 50 stocks). Once you have zeroed down on the index, the next step is to find the leaders within the sectors comprising the index. For example, it does not require rocket science to identify, say an SBI or HDFC from the banking and financial sector or an ITC in the FMCG sector. After you have identified these stocks, start investing a small amount of money initially and gradually increase the allocation as you go along. Please remember that individual stocks carry more risk than a diversified mutual fund, but at the same time can outperform the mutual fund during good times. Stocks also provide dividend income which is tax free for the investor. In fact, some of the large companies in the FMCG and pharma sectors, including many public sector giants like ONGC, dole out huge dividends which act as an additional income. Equity aids long term wealth creation and is one of the best asset classes which reward the patient investor. The earlier you begin investing, you will have more time to let equity perform and deliver. If you decide late in life to enter into equity, the time factor may not support you since your goal may be very near. Monitor your portfolio on a periodic basis and avoid checking the values on a daily basis as wealth creation is a long term process and nothing will change in a matter of a few days. So, take an informed decision and consciously try to include equity in your asset allocation to achieve your long term goals. |Equity can beat inflation in the long run provided one stays invested |Begin early as you will have more time to let equity perform and deliver |Monitor your portfolio on a periodic basis |Avoid checking the value on a daily basis as wealth creation is a long term process |First timers can invest in large cap diversified mutual funds |For direct investment it is advisable to focus on index stocks   Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) ICICI Prudential Tax PlanInvest Online HDFC TaxSaverInvest Online DSP BlackRock Tax Saver FundInvest Online Reliance Tax Saver (ELSS) FundInvest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) FundInvest Online SBI Magnum Tax Gain Scheme 1993Invest Online Sundaram Tax SaverInvest Online Edelweiss ELSS Invest Online ------------------ Best Performing Mutual Funds Largecap Funds Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Birla Sun Life Front Line Equity Fund Large and Midcap Funds Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Mid and SmallCap Funds Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Small and MicroCap Funds Invest Online DSP BlackRock MicroCap Fund Sector Funds Invest Online Reliance Banking Fund Reliance Banking Fund Tax Saver MutualFundsInvest Online ICICI Prudential Tax Plan HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund Gold Mutual Funds Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

ICICI Prudential Fixed Maturity Plan Series 67 - 3 Years Plan F Posted: 24 Mar 2013 04:43 AM PDT Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India)  ICICI Prudential Fixed Maturity Plan Series 67 - 3 Years Plan F with following features. Tenure : 1111 Days NFO Period : 21st March, 2013 MICR cheques : No Micr RTGS and transfer cheques : Till end of business day on 21st March, 2013 Switches : Switches from equity schemes - Not allowed Till cut off time(specified for switch outs in the source scheme) 21st March, 2013 from other schemes Tentative Date of Allotment : 22nd March, 2013(Ops to confirm) Date of Maturity : 5th April, 2016 Option to be launched : Cumulative and Dividend Payout- Default Sub Option - Cumulative Entry / Exit Load : Nil Minimum Application Amount : Rs.5000 and in multiples of Re.10 thereafter Liquidity : To be listed Benchmark : CRISIL Short Term Bond Fund Index Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) ICICI Prudential Tax PlanInvest Online HDFC TaxSaverInvest Online DSP BlackRock Tax Saver FundInvest Online Reliance Tax Saver (ELSS) FundInvest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) FundInvest Online SBI Magnum Tax Gain Scheme 1993Invest Online Sundaram Tax SaverInvest Online Edelweiss ELSS Invest Online ------------------ Best Performing Mutual Funds Largecap Funds Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Birla Sun Life Front Line Equity Fund Large and Midcap Funds Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Mid and SmallCap Funds Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Small and MicroCap Funds Invest Online DSP BlackRock MicroCap Fund Sector Funds Invest Online Reliance Banking Fund Reliance Banking Fund Tax Saver MutualFundsInvest Online ICICI Prudential Tax Plan HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund Gold Mutual Funds Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

DSP BlackRock MIP Posted: 23 Mar 2013 08:09 AM PDT Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India)       This fund invests 75 per cent of its portfolio in debt and 25 per cent in equities which are both actively-managed. The fund manager follows a mix of top-down and bottom-up approach to stock selection, which has helped in its performance. Further, the fund manager uses in-house research to identify preferred growth and value stocks that have strong fundamentals and reasonable valuations, run by quality management. On the debt front, a high quality portfolio with a low maturity profile that rarely exceededs 1 year has aided performance. The debt portfolio is actively managed and churned in a timely manner. The fund, however, tends to play it quite safe with the debt portfolio. Credit risk is minimised with instruments rated AAA or AA+ and a fairly short portfolio maturity of around 2 years. Exposure to bonds has been around 40 per cent since 2011 and instruments like floating rate bond as well as floating rate note have regularly been part of the portfolio.   Performance This fund has outperformed in six out of its 7-year history, with 2010 being the only exception. A regular top two quartile performer, its best performance was in 2009 when it posted 20.50 per cent returns compared to the 14.70 per cent by the category average. The fund manager does not hesitate from increasing the equity exposure to benefit from market rallies that has helped its performance. For instance, in December 2011, the fund raised its equity exposure which touched almost 25 per cent. The fund also sold into the rally in the second half of 2012, with its equity exposure settling to about 17 per cent. The debt market exposure of this fund is churned in a timely manner, with exposure to non-convertible debentures going down and increasing the allocation to gilts. However, an expense ratio of about 2 per cent, compared to the category average of 1.3 per cent, is a tad expensive. Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) ICICI Prudential Tax PlanInvest Online HDFC TaxSaverInvest Online DSP BlackRock Tax Saver FundInvest Online Reliance Tax Saver (ELSS) FundInvest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) FundInvest Online SBI Magnum Tax Gain Scheme 1993Invest Online Sundaram Tax SaverInvest Online Edelweiss ELSS Invest Online ------------------ Best Performing Mutual Funds Largecap Funds Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Birla Sun Life Front Line Equity Fund Large and Midcap Funds Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Mid and SmallCap Funds Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Small and MicroCap Funds Invest Online DSP BlackRock MicroCap Fund Sector Funds Invest Online Reliance Banking Fund Reliance Banking Fund Tax Saver Mutual Funds Invest Online ICICI Prudential Tax Plan HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund Gold Mutual Funds Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

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