Can Technology Mutual Funds Offer Opportunities for Remarkable Payback?

The technology industry is the fastest growing industry in the world. From heavy appliances to pocket devices, everything has become an important part of our daily lives. This large scale consumption of electronic goods have fused momentum in the technological world. Today, every company, whether big or small, is desirous of linking up with the tech industry in any form whatsoever.

Mutual fund houses are also one of the many aspirers of gaining wealth from the tech industry. As a result, many big and renowned asset management companies have introduced technology mutual funds. These are sector oriented mutual funds where the majority of the portfolio wealth is dedicated to the technology sectors.

In this write-up, a consolidated account of MySIPonline’s research has been given that adequately depicts the performance and risks of the tech mutual funds. This report will help the investors to analyse the need and importance of investing in these funds and how can they grow their corpus by betting on them.

An Overview 
Technology Funds, as the name suggests, are the sector oriented funds with keen focus on technology industry. These funds leverage on the rapidly growing IT companies and work towards crystallising great opportunities for earning returns.

In the past decade, technology has taken a massive turn towards progress. There was a time when speaking on the phone was considered to be a luxury, but now has been reduced to a moment’s activity. This growth has led to a tremendous outburst of returns across the technology mutual funds. Let’s comprehend what were the scores of the best tech funds in the market in the immediate past.

The Performance  
Some of the biggest bets in mutual fund industry are made on the technology funds. Investors who have been a little wise in their choices kept their funds in technology sector and thus, were rewarded extremely well.

The best technology funds in India have ploughed returns as high as 39.93% in the short term period, while in the long term the score was a mighty 23%. Speculations have revealed that assuming the same pace has been maintained by the technology industry in the near future, chances are that the prospective investors will be rewarded with both hands. The growth in the financial year 2015-2016 alone was about 14%, followed by a growth of 19.25% in the financial year 2017-2018. All these factors lead to a single conclusion that in the coming ages, technology will be the new dominating power in the world (not that it is not today) and tech mutual funds will be the high priority purchase for every investor.

The Risk Factors 
It’s a universal fact that the higher the risk taken, the better the rewards reaped. However, this doesn’t imply that one shall behave like Ironman and simply dive into the storm of risks without calculating the consequences. Taking risk is worth when there are possibilities tending towards positive outcomes.

If we talk about mutual funds, there cannot be any guarantee of risk free investment, because there’s no such thing as ‘risk-free’. Whatever you may choose has to have some portion of it struggling with market uncertainties. Hence, if you choose to invest in technology mutual funds, then of course it’s a valuable addition to your portfolio but not immune to pitfalls.

Hence, if you elect to invest in sector based funds (or for that matter any fund), then MySIPonline strongly recommends to analysis the risk factors attached to it. Technology is a rapidly moving industry but that doesn’t guarantee 100% protection.

The Verdict 
Technology Mutual Funds are definitely a solid way of increasing the health of your portfolio. Becoming one of its patron will not only help you gain better returns, but will also open doors to new paths of success. MySIPonline has helped thousands of investors achieve their dreams through their investment. Hence, we strongly recommend the readers to use our free online portal and get started with their investments instantly without any troubles.  

Top ICICI Mutual Funds Recommended by the Experts

ICICI Prudential MF is the largest Asset Management Company in India concerning assets under management and number of investors served. Every human has a natural tendency to choose the best of everything and same goes for capital investments. ICICI Prudential Mutual Fund has been a top priority of experienced investors as well as those who’re investing for the first time due to the variety of schemes offered by them. At MySIPonline, we suggest ICICI Pru MF’s schemes according to the suitability of the investor.

Top Recommended Funds of ICICI Prudential
According to the experts at MySIPonline, following funds have performed well in the past and are recommended to a majority of investors.

• ICICI Prudential Focused Bluechip Fund (G) : It is a large cap equity fund with low-risk grade. The fund has outperformed its benchmark consistently which is the reason why it has been ranked 2 by Crisil under the category of large-cap funds. It has generated an outstanding return of 15.1% in last 1 year. The corpus is mainly invested in finance, energy, and technology sector. The fund manager is Mr Sankaran Naren, who is an alumnus of IIT Chennai and IIM Bangalore, is very popular in mutual funds industry too. The AUM of the fund is Rs 17,141.41 crore which is more than the consolidated worth of many AMCs of India.  
• ICICI Prudential Long Term Equity Fund (Tax Saving) (G) : This is a tax saving fund which aims to provide long-term capital gain by investing a majority of the corpus in equity instruments of mid-cap and large-cap companies. It is an ELSS category fund; hence there is a lock-in period of 3 years. The fund has been consistent over long period and has provided 10.4% return in 1 year, 15.3% in 2 years and 18.4% in 5 years. The fund is managed by Mr Atul Patel who is a B.com, CA, and CWA and Mr George Heber Joseph who is an associate member of Chartered Accountants of India and Cost and Management Accountants of India and has more than 2 decades of experience.
• ICICI Prudential Balanced Fund (G) : This fund was earlier known as ICICI Prudential Equity and Debt Fund (G). It invests around 65% of corpus in equity instruments and 30-35% in debt instruments. Among equity instruments, finance, utilities, oil & gas and technology sectors are targeted while debt instruments comprise commercial papers, COD, Govt bonds, etc. The fund has shown a growth of 10% in 1 year and 18% in 5 years. It is managed by Mr Sankaran Naren and Mr Manish Banthia.  
• ICICI Prudential Regular Savings Fund (G) : This is a 100% debt-oriented fund. It has been consistent over a long period of time and has provided 6% return in 1 year and 8.2% return in 5 years. Debt funds are known for their stability and low-risk factor. The fund manages assets of Rs  10,409 crore (as on Apr 30, 2018). It is managed by Mr Manish Banthia and Mr Akhil Kakkar who’re highly educated and experienced.

To choose the best from these top schemes of ICICI Prudential MF could be a difficult task. To know the fund which can benefit you the most, reach out to us via official website of MySIPonline and take the advantage of the highly experienced financial experts who provide an honest opinion to every investor. 

Pharmaceutical Mutual Funds Are at their Dusk

Sector-based mutual funds are generally recommended to the experienced investors because a detailed analysis of a particular sector is required to determine the growth in future. The pharmaceutical sector is the one which won’t be on the bucket list of most of the investors. Though according to the experts, the pharmaceutical mutual funds are all set to achieve new heights after a rough year in 2017. So, it’s time to connect with us at MySIPonline and know the best Pharma Sector fund for yourself.

But, before that let’s know a brief about the same.

What Is a Sector Fund?

A sector fund is a mutual fund in which the corpus is invested in the companies that operate in a particular sector of the economy. They allow investors to take benefits of the positive market in a particular industry category like IT, Finance, Technology, Pharmaceutical, etc. Generally, when a sector is on a rise, all the companies related to that sector are on a rise, and vice-versa. In such conditions, investor can take the benefit of sector funds if he is well aware of the market trends.

Pharmaceutical Sector Mutual Funds

Mutual funds which invest their corpus in equity-related instruments of medicine, health-care, and pharmacy-related companies are called pharmaceutical sector mutual funds. Investing in sector fund is always a riskier task, and it needs a thorough market study to get healthy returns out of it. Last few years have been rough for Pharmaceutical Sector mutual funds, but they have the potential to provide decent returns in the long term.

Performance of Pharma Funds

On an average, Pharma funds have provided -8.32% return in last one year. Both domestic and foreign factors have been responsible for this. Pharmaceutical companies have been under stress for quite a some time, particularly companies with high exposure in the US market like Lupin Limited. As these companies face headwinds, the pharma stock prices have halved to nearly 40% over the past three years. A highly experienced financial expert should be consulted to pick the best pharma fund.

Many mutual fund advisors do not buy the argument that the sectors would bounce back soon. They don’t want their clients to take risk and therefore they have asked them to wait for these sectors to show some signs of revival before investing in them. “Pharma is a defensive sector and it will do well eventually. The IT sector has reasonable valuations. There are fund managers who would want to take a contrarian bet on these sectors but for mutual fund investors, it is better to maintain a distance,” says Karthik S ..

Top Pharma Funds of India

• S&P BSE Healthcare 
• Reliance Pharma Fund
• SBI Pharma Fund
• Tata India Pharma & Healthcare fund

According to the experts at MySIPonline, Pharma sector is all set to perform at its best in the next 2-3 years due to its strong product pipeline and increasing product launches over the next couple of years by Pharma Companies who will counteract the price erosion effect in the base portfolio.

The highly experienced customer-support staff at MySIPonline provides the schemes to the investors which can generate the best return according to the risk factor, investment horizon, time period, and other convenience.

Should You Direct Your Extra Money to the Reliance Money Market Fund?

The Indian money market is a replica of the universe in terms of its never ending size and occupants. Out of a population of 1.25 billion, at least 30% is engaged in some investment activities, primarily being mutual fund investments. Statistics show that the past 5 years have been the most important times in the history of Indian mutual fund investments, with an addition of 20,000 SIPs every month like clockwork.

A surprising fact that came in front in such revelation was that even today, people choose old school methods of investing their surplus cash instead of using modern tools, such as Reliance Money Market Fund. This fund is a much more efficient replacement to the primitive methods of saving banks and fixed deposits account. The returns reaped by this fund are much more higher than what your conventional routes could ever achieve. 

At MySIPonline, we work very hard to bring out something new and meaningful for the masses. In this article, we have covered some of the vital points that constitute Reliance Money Market Fund (G). The explanation provided here contains enough reasons for you to get lured to invest in this fund, and thus boost the power of your portfolio.

Every effort has been made to incorporate as many points on this fund as possible in their most transparent form, however, in spite of that, there might be a slim chance of some leftovers. But, worry not! Our online portal is a digital library for all the information in the world that you might need regarding to your investment. So, without delaying any further, let’s cut to the chase and start our discussion right away!

The Snapshot

Reliance Money Market Fund - Regular Plan (Growth), erstwhile known as Reliance Liquidity Fund, is a debt-oriented liquid fund, which was introduced in the Indian market 13 years ago, in the year 2005. The main objective of this fund is to capture best returns that are adjusted against moderate levels of risk and also achieve liquidity of funds, by investing in the money market instruments. It is a fantastic replacement to the old methods of parking surplus money in bank accounts or fixed deposits, as it provides considerably higher returns than its older competitors.

The Statistics

As an investor, the most important areas to discover regarding any fund is the performance that it has given in the past and the asset pool that it handles at present. Reliance Money Market Fund (G), belonging to one of India’s largest and most prestigious asset management companies, Reliance Mutual Fund, is short of none. It has solid asset figures to its bank, plus an exuberant performance graph for not a very distant past.

• The Assets:
  The quantum of the assets handled by a fund decides its position in the market in terms of size, and thus plays an important role in attracting customer traffic. As of 30th April, 2018, Reliance Money Market Fund had a recorded asset base of Rs. 4,646 crore. The NAV, which is the per unit distribution of the assets, stood at Rs. 2627.469 as on 17th May, 2018.
• The Performance:The returns of the best liquid funds in the market have been recorded to be somewhere between 7-9%. Reliance Money Market Fund (Growth) exhibited an astonishing performance by securing numbers that are miles ahead of its benchmark. The following graph depicts a clear picture of the past 5 year returns grappled by this fund:-

So, if you had your expenses handled in a much better way than last year which left some extra money in your pocket, then it’s time that you place that money in Reliance Money Market Fund. MySIPonline provides an easy-to-use online portal to instantly start an investment in any fund.

Secure the Growth of Your Money with Aditya Birla Sun Life Cash Manager Scheme

Those who are new in the world of mutual funds and are afraid to take risk with their money always seek for a scheme in which their money is safe and sound. Those who seek for such funds may or may not know that generally, the returns on such funds are not sufficient. Experts at MySIPonline provides the customer with specific schemes according to their needs and targets. One such fund with low risk factor and above average returns is Aditya Birla Sun Life Cash Manager Fund. It is a fund that aims to provide the convenience of a savings account with the opportunity to earn higher post-tax returns.

Aditya Birla Sun Life AMC 

It is a joint venture of Aditya Birla Group and the Sun Life Financial Services Inc. of Canada. It was established in 1994 and has become one of the largest asset management companies in India. It has a far reaching network of 150 branches which provides a wide variety of investor specific 418 schemes. It has corpus under management of Rs. 247794.5409 crs. (as on 31-Mar-2018)

Aditya Birla Sun Life Cash Manager Fund (G)

This is an ultra short term debt fund which means the fund manager of Aditya Birla Sun Life Cash Manager invests the corpus of the fund mainly in debentures which generally gets matured in 1 year or less. The risk factor is very low and returns are average in this fund. Though the growth is average but it has shown a consistency in growth since its inception in 1998. The minimum investment needed to be made is Rs 1000. The fund does not charge any entry or exit load and also supports SWP of minimum Rs 1000. It has assets under management of Rs 6,750.83 crore (as on March 31, 2018). The fund has major holdings in debenture instruments of Tata Power Co. Ltd. ECL Finance Ltd. Adani Infra (India) Ltd. Indiabulls Infraestates Ltd. etc

Fund Manager 

The experts at MySIPonline believes that the fund manager plays an important role in shaping the future of the fund. Aditya Birla Sun Life Cash Manager is managed by 2 highly experienced and talented fund managers namely, Mr Kaustubh Gupta and Mr Mohit Sharma.

Mr Kaustubh Gupta is a B.Com and a Chartered Accountant and prior to joining Birla Sun Life AMC in July 2011, he has worked with ICICI Bank. Mr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta). He has around 10 years of experience prior to joining Aditya Birla Sun Life in October, 2015.

Returns of Aditya Birla Sun Life Cash Manager (NAV as on 14 May, 2018)

Who Should Invest?

According to the experts at MySIPonline, those investors who have some extra cash and are looking for a short term investment this fund is considerably a better option than bank deposits. It has shown a consistent growth and is going to reflect the same in coming future.

MySIPonline provides proper guidance after analyzing the investor specific needs and provides the best suited scheme for a particular investors. Just visit our official site to connect with us and get solutions to all your problems related to mutual funds and investments.

SBI Magnum Multicap Fund - One of the Best Places to Park Your Money

The 21st century is often looked upon as the most important chapter of mankind’s evolution, precisely due to the technological reforms that have happened and will happen during its time lapse. Right from cloning cells to producing clear energy, we have brought a lot of things on our plate to boast about. And reforming the ways to earn more money is just an ounce of reflection of our ability to change the world.

SBI Magnum Multicap Fund is one example out of the most magnificent reforms brought to the economic world. Thanks to its sponsors that they brought a power-pack plan for the investors and introduced them to the world of enormous wealth building. Now, with the help of the technologically advanced, highly informative portal MySIPonline, anybody can conquer his wishes by investing in the most decorated funds of all time, including SBI Multicap Fund.

Right from a brief history of this fund to its latest conquests, this article contains all. So, sit tight, and get geared for some of the most enlightening information coming your way!

The History
SBI Magnum Multicap Fund (G), as evident from its title, is an equity-oriented mutual fund belonging to the multicap category. It has allotted 94.61% of its assets towards Equity and related instruments, and the rest have been parked in Debt. It was launched way back in September, 2005 with an aim to grow the investors’ wealth by picking up equity stocks of companies that possess the entire market capitalization spectrum. The distribution of the assets is made as per the following philosophy: -

1. 50-90 per cent of the assets will be allotted to the large-cap stocks,
2. 10-40 per cent will remain in mid-cap stocks and 
3. Not more than 10 per cent will stay committed to small-cap stocks.

The Asset Bucket, the NAV and the Progress Card
SBI Magnum Multicap has the possession of one of the biggest corpus in the realm of multicap investments. As of 31st March, 2018 it had a record possession of assets worth Rs. 4,704 crore and is expanding with a solid boost, every year.

Speaking about the per unit cost, the SBI Magnum Multicap Fund (Growth) NAV stood at Rs. 48.1114 as on 02nd May, 2018, experiencing a drop of 0.41% in its previously recorded value.

Now comes the most important part to discuss, the performance figures. Over the past 15 years, this fund has seen many ups and downs but never got succumbed to the scrambling market conditions. As of today, its performance is breaking all the previously set benchmark and is blowing gold all over the place. The following illustration will further clarify the numbers secured by this fund: -

Suppose that you had initiated an investment via SIP of Rs. 1000/- every month in SBI Magnum Multicap Fund (G) exactly three year ago, on 02nd May, 2015 for three years. Hence, till date you’d have stuffed Rs.37,000/- in this scheme which would have now valued at Rs. 47,175.60, i.e. returns earned worth a staggering 27.50% in a span of just three years.

The Current Standing
Due to its remarkable streak of achievement in the market and constant growth, SBI Magnum Multicap has emerged as one of the pioneering funds of the market. With a 5-star rating from CRISIL, it stands amongst the highest paying schemes of today. With solid investment methodology imbibed in its core and constant innovation towards bringing better results, it will continue to stay on top of the recommendations list of experts.

Thus, if you too wish to grow financially strong and for that want to take the shoulder of mutual funds, then you shall rest your money in SBI Magnum Multicap Fund (G). Not only investing in it could be highly rewarding for you in the future, but is extremely simple if done through MySIPonline. 

Motilal Oswal Multicap 35 Fund: Stop Thinking and Start Investing

The funds belonging to multi-cap category have a diversified portfolio which invests in companies across market capitalisation. Unlike, other category funds, these funds are market capitalization agonistic. Funds from the large, small, and multi-cap category have a restricted mandate and are forced to stick to the businesses that are characterize by their market capitalization. Multi-cap funds are able to take the benefit of both the worlds, i.e., growth and value investing style because they have a large investment scope. One scheme that has been performing well in the multi-cap space is Motilal Oswal Multicap 35 Fund which was earlier known as Motilal Oswal MOSt Focused Multicap 35 Fund.

This is an open-ended scheme with a sector diversified portfolio which invests in equity and equity related securities of large, mid, and small-cap companies. The fund invests in a maximum of 35 stocks spread across the market spectrum.

Who Should Buy?
MySIPonline suggests that those investors who are looking for achieving capital growth in a long-term and want to invest in a mix of stocks belonging to different sectors can invest in this fund. Also, it must be noted that one must be ready to deal with moderately high risk. Investors must have medium to long investment horizon to cherish the gains from the investments in this fund.

Motilal Oswal Multicap 35 Fund G- Details
The scheme was launched on April 28, 2014 and has NIFTY 500 as its benchmark to keep a measure of its performance. It has successfully proffered 28.71% returns since its launch. Minimum investment in SIP is Rs.1000 and in lump sum mode is Rs.5000. Presently, the fund has a mix of 26 stocks in the portfolio out of which top 10 stocks account for the 55.96% of the portfolio composition. Contrary to its benchmark’s investment behavior, the fund is overweight in the sectors such as financial, automobile, energy, healthcare, etc. Top stock holdings consist of HDFC, Maruti Suzuki India, HDFC Bank, IndusInd Bank, etc. Average market capitalization amounts to Rs.73,643 with 52.16%, 25.27%, 20.8.%, and 1.78% investment in giant, large, mid, and small-cap businesses.

Performance of the Fund
Because the fund is a late comer in the industry, it has not seen the major market crash or market high. Its past three year annual returns can be used to see how it is keeping up with the market and its walk on the growth trajectory. It has continuously outperformed its benchmark in all the three years by proffering 14.6%, 8.45% ,and 43.05% returns in 2015, 2016, and 2017.

Why Should You Invest in This Fund?
The fund has been awarded a five-star rating by Value Research because of its outstanding performance and its ability to deliver benchmark-beating returns consistently. Just like all the other funds of Motilal Oswal Mutual Fund, it also follows QGLP approach, i.e., Quality, Growth, Longevity and Price in order to pick a stock. It is being managed by ace fund manager Mr. Gautam Sinha Roy since its inception. Mr. Roy has no problem in making the portfolio a little concentrated in some sectors if the economic growth favors.

Picking this player from the multi-cap space will be beneficial as it will allow you to cherish sector diversification and gain risk-adjusted returns.

To invest in Motilal Oswal Multicap 35 Fund, visit MySIPonline, register yourself on the web portal, and complete your profile. If you require assistance while making investment, you can talk to our experts and know more about the fund in detail.