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How to use FundsIndia’s weekly fund reviews

FundsIndia sends recommendations / reviews of various mutual funds on a weekly basis. This service has been launched with an aim to help you make an informed decision with your investments. Through this service, we seek to keep you informed about the performance of a fund that you may hold or one that you may wish to invest in.

As investors, you would need to take a call on whether to invest in a fund based on your current portfolio and your risk appetite. Not every fund that is recommended through this column needs to be added to your portfolio. Such a move may lead to over-diversification or duplication of holding.

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41 Responses to How to use FundsIndia’s weekly fund reviews

  1. sujay kumar banerjee November 19, 2012 at 5:12 am #

    i want to invest now

  2. sanika horo December 19, 2012 at 9:20 pm #

    I WANT TO INVEST IN FRANKLIN TAXSHIELD

    • Vidya Bala December 19, 2012 at 9:30 pm #

      Sanika, You may pl. log in to your fundsindia account or register with us as a user to invest in the fund.

      • Anand Kumar December 29, 2012 at 10:27 am #

        @ Vidya: How much it would be safe to invest in US market? And in which way return are calculated in Dollors or in Rupee?

        • Vidya Bala December 30, 2012 at 8:24 pm #

          Anand Kumar: if you mean safety in terms of equity markets, it is as safe or as risky as the Indian equity markets but perhaps less volatile than ours. As for safety with regard to investing through international funds, the same laws with regard to the AMC apply to these funds. HEnce they are not any riskier.
          Your investment will be made in rupees the final returns are shown in rupee terms (NAV is in Rs). But since they are invested in dollar-denominated investments, you will be impacted by a fall or raise in the dollar against the rupee. This is already adjusted in the NAV. If the dollar appreciates against the rupee you stand to gain and vice-versa. Vidya

  3. Ramkumar December 31, 2012 at 11:00 pm #

    @Vidya: For evaluating the returns on investment in mutual funds, I use the XIRR function in excel. I put the outflows with negative sign and inflows with positive sign along with the dates. I then use the XIRR function to determine the return. Could you let me know if this is the correct method of evaluating returns?

    • Vidya Bala January 1, 2013 at 9:53 am #

      Wishes for a great year from Team FundsIndia Ramkumar. It is correct to use XIIR function. Date, outflows and final inflow is what is needed. Every month there will be outflow (which would be shown as a negative sign) So at the end of the period, say the 60th month (if you have a 5-year SIP), you need to show the outflow for that month and also the inflow (positive) in the line below it. So its is only in the month of you last installment made, would you have an inflow. Vidya

      • Ramkumar January 1, 2013 at 9:16 pm #

        @Vidya: Thanks for your prompt reply. Wishing you a very happy new year. Regards

  4. Anurag January 9, 2013 at 7:18 pm #

    My mother aged 59 yrs wants to invest approx Rs.1 lac.She wants to take benefit of the high rate of interest prevailing now by locking for a time horizon of 3-5 yrs.Which is the best option amongst SCSS,NSC,Reliance MIP or any other which you recommend.Bottomline is returns should be good with minimum tax implications and high net yield.

    • Vidya Bala January 9, 2013 at 8:08 pm #

      Anurag, you have not mentioned whether your mother needs a regular income stream. If she needs regular and assured income then Post Office Senior Citizens scheme is a good option. While interest income is taxable, the investment made is eligible for Sec 80C benefit in the year of investment. The current interest of 9.3% (for investments made before march 31) is good and is assured. If she can spare this money for a longer time frame, does not depend on this for her monthly income and also take some risks only then should she go for an MIP. Even in MIP she should prefer less riskier funds such as HDFC MIP LTP if she cannot take volatility.
      NSC is suitable only for those who can lock in their money for 5 years or 10 years. Interest is not paid out in NSC until maturity.

  5. Neha January 20, 2013 at 11:21 pm #

    Hi Vidya, i would like to understand how do we calculate earning on Debt instruments. When someone says interest rate is x% but annualized income is y%, how do we evaluate total earning on the Debt scheme?

    • Vidya Bala January 21, 2013 at 10:55 am #

      Hi Neha,the interest rate mentioned in any debt product is an annual payout. When these advertise about annualised return (typically higher than the interest rate mentioned), it would due to any of the following:
      1. interests that are cumulative on a half yearly or quarterly basis may provide higher yield as the interest earned more frequently is further compounded. for instance, a deposit with 9% interest and interested cumulative half yearly will have an annualised return of 9.2%.
      2. Where these debt products have income tax benefit on the principal, then the cash outflow saved on such tax is also considered for calculation of return purposes.
      Hence your return would be any of these mentioned. But remember many of these return may not be next of the taxes you pay on your interest income. Do take that in to account when you see high annualised returns advertised by debt products.

  6. Manoj kumar February 14, 2013 at 4:14 pm #

    Is it safe to invest in FD of Jaiparkash Group,as they have no ratings?

    • Srikanth Meenakshi February 15, 2013 at 8:40 am #

      Hello sir,

      Jaiprakash group is a listed company and not a NBFC. Ratings companies rate only NBFCs for their deposit products. An investor would thus need to go by the strength of balance sheet when it comes to investing in non-NBFC corporate deposit products such as Jaiprakash group.

      From an advisory standpoint, we are neutral on Jaiprakash deposits.

      thanks,

      Srikanth

      • Manoj kumar February 20, 2013 at 11:19 am #

        Thanks for your reply sir,
        But still guide me if i invest or not.I want to invest for an year only.

        • Srikanth Meenakshi February 20, 2013 at 12:23 pm #

          Hello sir,

          I would recommend that you go with more proven deposit offerings such as Shriram Transport.

          thanks,

          Srikanth

          • Manoj kumar March 5, 2013 at 2:39 pm #

            I had asked due to high interested rate of 12% of JP group.

  7. kunal February 21, 2013 at 5:31 pm #

    as per you it is good to invest in bsl floating rate ftp, dsp br liquidity, hdfc cash management saving plan for periods less than 12 montgs. but when i asked advice for a liquid fund to invest my premium amount for a period upto nov 2013 starting mar 2013 (total 10 months), your advisor recommended tata floater fund. can you clarify the dichotomy in the two viewpoints from the same advisors.

    • Vidya Bala February 21, 2013 at 7:34 pm #

      Hello Mr Kunal, there is no dichotomy here. The 3 funds mentioned by you are liquid funds. Tata Floater is an ultra short-term fund. That means it is meant for a slightly longer holding period of say 6-12 months. You would have been given this since your holding period is 10 months. It works to your advantage as ultra-short term funds can earn slightly better returns than liquid funds. Tata Floater is one of the superior funds in the ultra-short-term category.
      We nornally suggest funds based on the individual’s needs such as – liquidity, period of holding as well as STP needs – when they seek our advice. When writing an article, however, we cannot distinguish individual needs and hence state funds that serve the immediate liquidity purpose.
      Rest assured that the funds recommended have gone through filters before making the cut. – Tks Vidya

  8. Uday March 23, 2013 at 7:33 am #

    Hi,
    I have opened my fundsindia account in December,2012 and have been waiting to get KC status since then. I am not sure is getting the KYC status is so hard from NDML.

    I have been reading your articles, but of no use as cannot invest. Please let me know if you can help in anyway on this. Thanks

    • Vidya Bala March 23, 2013 at 8:33 am #

      Sorry about that Uday. Will ask our team to follow up on this. Tks, vIdya

      • Uday March 23, 2013 at 8:38 am #

        Thanks Vidya!!

  9. Arunprasad July 5, 2013 at 7:05 pm #

    Hello Vidya,
    Thanks for your article. How do you identify the fund whether it is liquid fund or ultra short term liquid fund or debt fund?.

    Regards,
    Arun.

    • Vidya Bala July 5, 2013 at 8:39 pm #

      Hi Arunprasad,

      You simply have to check under what category the fund is stated in the fund house’s website. As for characteristics there are multiple features that set them apart.

      Thanks
      Vidya

  10. venkata krishna September 4, 2013 at 5:09 pm #

    Hello Vidya, I want to invest a lumpsum in Birla sunlife liquidity fund & later when market falls i want to switch some amount to Equity funds through STP. Could you please suggest which liquid fund is better from Birla sunlife & how much returns may expect from STP. I prefer Birla sunlife as we may get addtnl benfit of insurance.

    REgards,

    venkata

    • Vidya Bala September 5, 2013 at 4:00 pm #

      Hi Venkata Krishna, We offer fund recommendations through our portfolio advisory route. Our portfolio advisory services are available free of cost if you use the ‘Ask Advisor’ feature in your activated FundsIndia account. Kindly click the help tab to use this feature once your account is activated. Thanks.

  11. SANGRAM September 4, 2013 at 10:00 pm #

    Hi ,
    Madam I am new here I want to deposit systematic investment plan which will be diversified .
    Can you help me about this monthly SIPs will be 5000/- and duration 14 yr to16 yrs.
    And I want to know about stock market how is work ? If I want to invest directly in their What I have to do in daily/weekly/monthly ? Pl give me helpful suggestion about stock market>

    • Vidya Bala September 5, 2013 at 2:00 pm #

      Hi Sangram, You seem like a first time investor with fundsIndia and we would be glad to help you with an advisor call (this is free of cost). I shall ask one of our advisors to contact you.This will help us know your exact requirement before we suggest you funds. In future too, you can use the ‘Ask Advisor’ feature available in your account (click the help tab and you will see this) for any portfolio query. Thanks.

  12. VGT ARASU November 20, 2013 at 10:50 am #

    I have an (Individual) account with Funds India since 2 years. I would like to open another account of HUF. Since I have the same e-mail ID, the opening is not accessible. Please guide or send me a mail to open the HUF account.

    Secondly, I am 62 years old. I was blessed with a grand daughter. I would like to start create a wealth on her name for a longer period of 15 to 20 years. How to invest? Please guide me.

    • Vidya Bala November 20, 2013 at 11:36 am #

      Hello Sir,

      thank you for writing to us. Our support team will get in touch with you. thanks, Vidya

      • Gaurav Singh January 15, 2014 at 12:46 pm #

        I also have a individual account, and I want to open a HUF investment account and need advise on how to open, invest & manage.

        • Vidya Bala January 20, 2014 at 12:57 pm #

          Hello Gaurav, Our team will contact you. Vidya

  13. kunal February 5, 2014 at 10:20 pm #

    hi, i am a fundsindia investor. of the following two which investment will be best in terms of only (r) only interest rate returns for a period of 5 yrs.
    (a) bank fd for 5 yrs with a avg int rate of 9.5% OR
    (b) postal mis of 5 yrs wherin the interest is reinvested in post rd of 5 yrs.
    1. what would be the net interest rate for each type on maturity after 5 yrs.
    2. as i am in 30% tax braket, which will be better investment of the above two.
    Thankx

  14. vijay kumar September 24, 2014 at 10:45 pm #

    I m a government employee (27600 monthly). I want to start a sip of 5000 for 3 years AND later plan to increase upto 10000 for 10 to 15 years. Make me a best diversified portfolio.
    Requirements based on background situations:
    A child of 1 year old(long term profile), Around 60 year old parents want to send monthly income like pension on their account(permanent income), house loan expection a minimum capital, an education loan already had nearly 1L. If i have to incrase the amount of sip…give some best sugission.

    • Vidya Bala September 30, 2014 at 12:24 pm #

      HI Vijay Kumar, Thanks for writing to us. Portfolio advice is given to all investors who have a FundsIndia account. The blog is more of a discussion forum. Pl. open an account with FundsIndia (there are no charges) to enable us to help you. thanks, Vidya

  15. Eshan August 19, 2015 at 10:00 pm #

    what is good between Large cap equity and Mid cap fund

    • Vidya Bala August 20, 2015 at 2:46 pm #

      Hello Eshan, It depends on your risk taking ability. In general a combination of these nuilt as a portfolio will help generate optimal returns. If you need a portfolio to be built, base don your requirements, savings or goals please use your FundsIndia account (if youa re our investor) and write to us using advisor appointment feature (in help tab). Our advisors explain the difference and help you allocate optimally. thanks, Vidya

  16. Sunil Pathak September 3, 2015 at 11:14 pm #

    Fundsindia management may please provide BSE/NSE Share price live & Preopen news/latest news that may affects on share market in summary section in interest of investors as like as http://www.moneycontrol.com. Otherwise it is online good platform for investors.

  17. dilip September 8, 2015 at 6:49 pm #

    Pl suggest mix of debt funds portfolio for 3 yrs perspective…part funds we can withdraw when we lock good returns like 12 to 15%. Thanks.

    • Vidya Bala September 9, 2015 at 11:52 am #

      Dilip, your return expectations are a bit high for debt funds. While this returns will come by for a short while when rates are cut and there is a rally, it is not sustainable. For recommendations on debt funds, please use your FundsIndia account if you are an investor and write in your query (through the advisor appointment feature in help tab) and our advisors will help you choose the funds. thanks, Vidya

  18. Sunil Pathak November 11, 2015 at 12:49 pm #

    Fundsindia management may please provide BSE/NSE Share price live & Preopen news/latest news that may affects on share market in summary section in interest of investors as like as http://www.moneycontrol.com. Otherwise it is online good platform for investors.

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