Uncover Hidden Opportunities with L&T India Value Fund

Every scheme in the mutual fund market brings with it opportunities some hidden and some known. What an experience it would be to explore the hidden opportunities for growth by investing in a scheme? Wondering if there is a scheme like that? L&T Mutual Fund launched L&T India Value Fund on January 08th, 2010, that helps you do so by focusing specially on investing in undervalued securities. It helps an investor earn long-term capital appreciation by investing in the equity and equity related instruments in the Indian market. It may also invest additionally in the foreign securities in international markets.

The Masterminds Who Are Handling L&T India Value Fund

This fund is jointly managed by Mr. Venugopal Manghat and Mr. Karan Desai. Mr. Venugopal Manghat has been managing the fund since November 2012. He has done B.Sc in Mathematics and holds a master’s degree in Business Administration with specialization in Finance. He was working with Tata Asset Management Ltd. before joining L&T Mutual Fund. Apart from this scheme, he has been simultaneously managing many other schemes such as L&T Conservative Hybrid Fund, L&T Equity Saving Fund, L&T India Large Cap Fund, etc. Mr. Karan Desai has been managing this fund since February 2017. He has done B.Com. from University of Mumbai and M.Sc in Investments from Birmingham University. Before joining L&T Mutual Fund, he was working with L&T Investment Management. Other schemes that he is handling along with this one are L&T Equity Fund, L&T Hybrid Equity Fund, L&T Business Cycles Fund, etc.

Who Should Invest in This Scheme?

L&T India Value Fund is for those investors who are willing to park their money to earn long-term capital appreciation through investment in equity and equity related instruments in Indian and International market with focus on undervalued securities. The principal amount invested in this scheme is under moderately high risk which means that only those who have such risk bearing appetite should invest in it.

Facts About L&T India Value Fund Growth

L&T India Value Fund NAV as on July 23rd, 2018 was Rs. 35.438. The minimum initial application amount with which a new investor may start investing in this scheme is Rs. 5000 and the minimum additional application amount with which an existing investor may invest is Rs. 1000. There is no entry load which an investor needs to pay. If an investor redeems within one year of investment from the date of allotment, then he becomes liable to pay 1% as exit load. It invests 80% to 100% of its assets in equity and equity related instruments and up to 10% in foreign securities including overseas ETFs with the risk involved being medium to high. It also invests in debt and money market instruments up to 20% with low to medium risk involvement.

To invest in L&T India Value Fund by L&T Mutual Fund, log on to MySIPonline, an online platform that displays information about schemes after in-depth research. Make sure that it is in sync with your portfolio requirement, in case of any doubt consult a financial expert absolutely free of cost.

Get the Value for Your Money With ICICI Prudential Value Discovery Fund (G)

Value type mutual fund schemes are gaining popularity among investors and the reason behind that is their investment style and the value for money they provide on long-term investments. Value schemes basically select stocks which are trading at low levels but have good fundamentals and scope for growth. Today, we are going to discuss one such value scheme that has gained the trust of millions of investors over the years, and the scheme is ICICI Prudential Value Discovery Fund.

A Brief Introduction of Scheme

This scheme was launched on Aug 16, 2004, under the value-oriented equity category, with the objective to provide investors with good long-term returns by investing in a diversified portfolio of value stocks. This scheme has gained a large number of investors because of its consistent performance over the years and is currently managing an asset size of Rs 16,130 crore (as on Jul 11, 2018). ICICI Prudential Value Discovery Fund NAV as on Jul 11, 2018, is Rs 144.3 and the expense ratio that will be charged annually is 2.32% (as on Jun 30, 2018) of your principal amount. It has provided returns of 6.97%, 8.23%, 22.46%, and 19.72% in 1, 3, 5, and 10 years respectively. The scheme has beaten its benchmark and category in long-term returns of 5 and 10 years, but due to the volatility of 2017-18, it has failed to beat the benchmark in 1 and 3 years returns.  You can start investing in this scheme with a minimum investment of Rs 1000 and can start a SIP for as low as Rs 500.

Asset Allocation

ICICI Prudential Value Discovery Fund invests around 92.36% of its total investment in equity instruments and the rest in debt instruments. As for equities, it invests predominantly in large-cap stocks. It has 82.60% of total equity investment in large caps, 13.90% in mid caps and 3.49% in small caps. The major sectors that the scheme invests in are energy, technology, healthcare, finance, automobile, and engineering. The top value stocks that the scheme invests in are Sun Pharmaceutical Industries, Infosys, Wipro, Mahindra & Mahindra, ITC, State Bank of India, HDFC Bank and Larsen & Toubro. All these stocks were trading really high till the end of Jan 2018 but due to past volatility are trading at very lower levels now. All these stocks have great fundamentals and are expected to reach their intrinsic values soon. For a detailed portfolio of this scheme, you can visit MySIPonline.

Who can Invest?

ICICI Prudential Value Discovery Fund is an equity scheme so the risk involved is moderately high. As we can see, the fund is not performing well due to the current market volatility. So investors who are looking for short-term investments should stay away from it. On the other hand, if you are looking for an investment of 5-7 years and have moderate risk appetite then this is one of the best options for you. Investors who are new to the mutual fund market should stay away from this scheme for some time.

So this covers all the basic information about the fund that you will need to know if you are planning to invest in ICICI Prudential Value Discovery Fund. This scheme has given some of the finest long-term returns and is expected to perform likewise in future. To make an investment in this or any other scheme you can visit MySIPonline and can enjoy the hassle-free process.

Franklin India Smaller Companies Fund - Invest To Earn Big

Franklin Templeton Mutual Fund has launched a number of investment schemes for its investors. One of these schemes was launched on January 13th, 2006, in the form of Franklin India Smaller Companies Fund which focuses on investing predominantly in the stocks of small-cap companies that have high growth factor and are likely to become market leaders, thus leading to capital appreciation. You may invest in this scheme by logging on to MySIPonline.

Are You the Right Person To Invest in Franklin Smaller Companies Fund?

1. This scheme is for those investors who are ready to accept and bear moderately high risk on their principal amount, i.e., the aggressive ones.
2. If you are an investor who is looking for a scheme to add to your portfolio that can help you earn long-term capital gain, then you may invest in it.
3. Those investors who wish to gain by investing in the small-cap companies that are anticipated to perform very well in future are the right ones who should be investing in franklin India smaller companies fund growth scheme.

Who Are the People Behind Franklin India Smaller Companies Fund Growth?

This fund is jointly managed by three fund managers as follows:

• Mr. Hari Shyamsunder - He has been managing the fund since May 2016. He has done Mechanical Engineering from NIT, Tiruchirapalli and holds a Post Graduate Diploma in Management from IIM. He has also done CFA. Before joining Franklin Templeton Mutual Fund, he was working with BG India Pvt. Ltd.
• Mr. R. Janakiraman - He is an engineer and hold a Post Graduate Degree in Business Management. He has worked with companies such as Indian Syntans Inv. Pvt. Ltd., UTI Securities Exchange Ltd., and Citicorp Information Tech Ltd. before joining Franklin Templeton Mutual Fund. He has been managing this fund since February 2008.
• Mr. Srikesh Nair - He has done B.S. Marine Engineering from BITS Pilani and holds a PGDM from Management Development Institute, Gurgaon. Before joining this company, he was working with Goldman Sachs Services Private Limited. He has been managing the fund since May 2016 and is looking after investments in foreign securities.

Did You Know These Little Details About Franklin Smaller Companies Fund?

1. Franklin Smaller Companies Fund NAV is Rs. 57.4353 as on July 11th, 2018 and the assets under management were worth Rs. 7114 crores as on June 30th, 2018.
2. The minimum investment amount for the investors making investment in this scheme for the first time is Rs. 5000. The additional investment amount for the existing investors is Rs. 1000.
3. There is no entry load that is to be incurred by investors investing in it. If an investor redeems units within one year from the date of allotment, then he becomes liable to pay 1% as exit load. After completion of one year this amount too is nullified.

Hope you now understand what Franklin India Smaller Companies Fund is all about. If you wish to know more or compare it with other such schemes, log on to MySIPonline which is a one-stop solution for all that you are looking for!

Things You Should Know Before Investing in Liquid Funds

Liquid funds are among one of the safest investment options in the mutual fund market. People who previously used to invest in FDs and RDs are slowly shifting toward these schemes and the main reasons behind that are the difference in returns that these schemes have and the low-risk factor associated with them. In this post, we are going to discuss this category and will have a look at the performance these schemes have shown over the years.

What Are they?

Liquid funds are mutual fund schemes that fall in the debt category. These schemes share a common objective of providing moderate returns with low risk and high liquidity by investing in a mix of short-term debt and money market instruments. In simple terms, these are the funds in which you can invest your amount for short period of time without worrying about lock-in period or exit load charges. Liquid mutual funds invest mainly in debt instruments which have a maximum maturity of 91 days. These funds are one of the safest investment options available today as they invest only in high rating instruments. As for the liquidity factor, you can redeem your investment after 24 hours of allotment of units and the amount will be transferred to your bank account within a single day. Some AMCs (eg. Reliance Mutual Fund) have also provided investors with debit cards through which investors can redeem their money instantly. Some of the top performing schemes from this category are Reliance Liquid Fund, Aditya Birla Sun Life Liquid Fund, and ICICI Prudential Liquid Fund. To see other top performing liquid funds, you can visit MySIPonline.

Performance Analysis

Liquid funds have been providing consistent returns over the years. The average trailing returns given by the category in 1, 3, and 5 years are 6.86%, 7.29%, and 8.03%, respectively (as on Jul 06, 2018). These schemes showed a drop between Jun 2009 and Jun 2010 but recovered from it soon.

Risk Associated

Liquid Mutual Funds are the least risky, but not risk-free. As we know that it invests in debt instruments like bonds, debentures, FDs, etc., with a maturity period of 60 to 91 days. Now, let's say an instrument fails to pay up the interest even after the maturity is over, in that case, the ratings and market price of the instrument drop will also affect the NAV of the associated scheme. But this thing is highly unlikely to happen as most of the instruments are sponsored by government and top-notch brands. Other than this there is no particular risk involved. So investors who are new to mutual market can also consider investing in these schemes, without worrying about losing their principal amount.

With the above information, now you have the idea of what liquid mutual funds are and what kind of returns you can expect from such schemes. So if you are the kind of investor who wants to play safely in the mutual fund market and is looking for short-term investment, then liquid funds are what you need. For making investments in liquid mutual funds, you can visit MySIPonline and can enjoy our hassle-free process.

All You Need to Know About Reliance Growth Fund

Reliance Mutual Fund is a name which has proved its worth from time to time. This AMC has provided many top schemes in equities as well as debt categories. Today, we are going to discuss about one such top-notch scheme from this fund house and that scheme is Reliance Growth Fund.

Let’s have a look at what this scheme holds for its investors.

Key Parameters

This scheme was launched on Oct 08, 1995, under the diversified equity category and with the objective to provide investors with long-term capital appreciation through research based investments in equity and related instruments. Currently, NAV of Reliance Growth Fund is Rs 1060 (as on Jul 03, 2018) and an expense ratio of 1.95% (as on May 31, 2018). The assets under management as recorded on May 31, 2018, are Rs 6873 crore. As for the load charges, there is no entry load, but a 1% of exit load will be deducted if you redeem your investment before 1 year. The fund is currently being managed by Mr. Manish Gunwani, who holds several years of experience in the capital market. The minimum amount required for investment in this scheme is Rs 5000 for lump sum and Rs 100 for starting a SIP.

Fund Allocation

Reliance Growth Fund being a hybrid scheme invests in a mix of different market caps, but mid-caps are the most favored ones. The scheme has 16.15% of its total equity investment in large-caps, 71.46% in mid-caps, and 12.39% in small caps. As for sector allocation, finance is the most favored sector and holds around 27% of the total equity investment. Other top sectors that the scheme invests in are services, FMCG, health care, engineering, and energy. The top equity holdings of the fund are Varun Beverages, Muthoot Finance, Cyient, Bharat Financial Inclusion, Vardhman Textiles and many other. For viewing a detailed portfolio of this scheme, you can visit MySIPonline.

Performance Analysis

This scheme has shown some really good growth over the years. Reliance Growth Fund has given returns of 3.14%, 9.15%, 19.71%, and 13.75%, in 1, 3, 5, and 10 years, respectively. Though the short-term returns are not that good, a really good improvement can be seen in long-term returns provided by the scheme. A great drop was observed in the scheme between Mar 13, 2000, and Mar 13, 2001, which it started recovering from in starting of 2003. You can visit MySIPonline for a complete performance analysis.

Who Can Invest?

Reliance Growth Fund G is a great option for investors who are looking for investment in mid-cap oriented hybrid equity schemes and are ready to take a moderately high risk with their investment. This scheme is highly affected by the volatility of equity market, so investors should keep in mind to check that before making a final decision.

Above is all the information that you are going to need about this fund. Just keep in mind to do a self research and to always consult your financial adviser before making an investment. To get expert views on mutual fund schemes, you can get in touch with us at MySIPonline. 

An Insight Into Balanced Funds - What They Actually Are!

Mutual Fund investment market has grown to become a huge part of the financial industry with a number of Asset Management Companies that have launched a number of schemes in the market for different kind of investors. There are a number of categories under which schemes have been launched such as Equity, Debt, Hybrid/Balanced, Solution Oriented, and others. In this article we are going to discuss about Balanced Fund.

What is Balanced Fund?

Balanced Mutual Fund is an investment option for investors who are looking for an investment portfolio that invests in equity and equity related instruments along with debt and money market instruments. They are often known as hybrid funds. Schemes under this category helps an investor enjoy capital growth as well as stability in the form of consistent income.

According to SEBI, the aim of balanced/hybrid scheme is to yield growth and regular income through investment in equity and fixed income securities in the proportion mentioned in the scheme’s offer documents. These schemes are for those investors who are looking for moderate growth. In equity and debt, their general investment is in 40-60 ratio and are considered to get affected by the market fluctuations. However, the net asset value of such schemes are considered to less volatile compared to pure equity schemes.

Types of Balanced or Hybrid Schemes

According to SEBI, this category is further divided into following types:

1. Conservative Hybrid Fund - It is an open-ended scheme that invests predominantly in debt instruments ranging from 75% to 90% and 10% to 25% in equity.
2. Balanced Hybrid Fund - It is an open-ended hybrid scheme that invests in 40 to 60 percent in equity and 40 to 60 percent in debt securities.
3. Aggressive Hybrid Fund - This open-ended scheme invests predominantly in equity and equity related instruments. Under such schemes, the investment made in equity and equity related instruments in 65 to 80 percent. It invests in debt instruments between 20 to 35 percent of the total assets.
4. Dynamic Asset Allocation or Balanced Advantage - It is an open-ended dynamic asset allocation fund that invests in equity as well as debt which are managed dynamically.
5. Multi-Asset Allocation - This scheme invests in at least three asset classes with a minimum of 10% investment in each class.
6. Arbitrage Fund - It is an open-ended scheme that invests in arbitrage opportunities. It makes a minimum investment of 65% in equity and equity related instruments.
7. Equity Savings - It is an open-ended scheme that invests in equity, debt and arbitrage opportunities. The investment made in such schemes is a minimum of 65 percent in equity and equity related instruments and a minimum of 10% in debt instruments of the total assets.

Best Balanced Funds

As there are a number of balanced mutual funds available in the market, selecting the best one can give hard time to an investor but no more! There is a list available in the mutual fund market that provides the best schemes available, in the form of top performing list. Currently, the top performing balanced funds are Aditya Birla Sun Life Balanced Advantage Fund, Reliance Equity Hybrid Fund, Axis Regular Saver Fund.

To invest in these schemes simply log on to MySIPonline, a user-friendly platform just for you!

Invest in SBI Dynamic Bond Fund to Get Attractive Returns

Are you bored of investing in equity schemes of mutual fund? Looking for a change? Well, connect with MySIPonline and invest in SBI Dynamic Bond Fund by SBI Mutual Fund. Wondering what this scheme is all about? Below is the answer.

SBI Dynamic Bond Fund was launched on February 9th, 2004 with an investment objective to help its investors earn attractive returns by investing in actively managed portfolio of debt securities of good quality having different maturity periods. It is an open-ended scheme with moderate risk involvement.

Investment Strategy

The strategy is to allocate the fund in different debt securities such as Debt derivatives, Central and State Government Securities, and money market instruments with different maturity period on the basis of expected returns provided by them. Since the market involves fluctuations from time to time, so to shield the assets and returns from it, investment is made in top debt and money-market instruments. To earn estimated high return, the fund will follow a strategy of active duration management.

Fund Manager

It is very important that the fund is managed by an experienced and knowledgeable manager who knows how to help the investors reach their investment goal and protects their money against market fluctuations. If you are investing in this fund, then you can do so with a free mind as it is managed by a very experienced person.

SBI Dynamic Bond Fund G is managed by Mr. Dinesh Ahuja since January 2011. He has done B.Com honors and MMS in Finance. Before joining SBI Asset Management Company, he has worked with renowned companies such as L&T Investment Management Ltd., Reliance Asset Management Limited, and Reliance General Insurance Company Limited. Apart from this scheme, he has been simultaneously managing many other schemes such as SBI Debt Hybrid Fund, SBI Equity Hybrid Fund, SBI Magnum Gilt Fund, SBI Magnum Income Fund, etc.

Fund Details

1. The net asset value of SBI Dynamic Bond Fund Growth as on July 02, 2018 was Rs. 21.3378 and the AUM as on May 31st, 2018 was Rs. 1897 crores.
2. There is no entry load that an investor has to pay. If an investor redeems up to 10% of units, then there is no exit load which is to be incurred. However, if an investor withdraws more than 10% of the units that too within one month from the date of allotment, then he becomes liable to pay 0.25% as exit load. But if the redemption is made after completion of one month, then this amount too is nullified.
3. It has been rated four stars by Value Research and its benchmark is Crisil Composite Bond Fund Index.
4. An investor may start investing in this scheme with minimum investment amount of Rs. 5000 in lump sum.

To know more about SBI Dynamic Bond Fund, log on to MySIPonline, a user-friendly platform that helps you in selecting the right scheme by facilitating you to compare it with its competitors and providing an opportunity to avail financial consultation absolutely free of cost. Thus, helping you save your precious time, money and energy.

How to Make Your Portfolio Special with Reliance Low Duration Fund?

We all have gone for shopping at some point in our lives. One of the most annoying encounters while shopping is to buy extra stuff. When you want only a piece or two and you have to buy the whole pack it makes you go bonkers.

Consider a situation in mutual fund investments. What if you have some surplus lying around that you won’t need until the next few months? Obviously you’d want to employ that for earning some income. And if you aren’t able to find a short-term solution, then your surplus will just hatch eggs in the savings account.

But worry not! We live in a modern age where tools such as Reliance Low Duration Fund are available to serve your short-term needs. This is a debt-oriented low duration fund that does justice to its name by providing short-term investment solutions to the investors. It is best for those who are having some spare money and are desirous of taking the shelter of mutual funds to rest them. But they do not want to part away from their money for long.

Gone are the days when mutual fund investing used to be a painstaking job. Now, with the blessings of technology and the free online services of MySIPonline, you can have your investments in the best mutual funds in less than 10 minutes. When you are aware of top funds such as Reliance Low Duration Fund (G) and have some first-hand knowledge about them, it makes it lot easier to create a solid investment plan.

Hence, this article is peppered with many intriguing facts about Reliance Low Duration Fund that’d make you invest in it right away. So, gulp down these tasty nuggets of information and get geared for your future endeavours through the best investment plan.

The Introduction

Reliance Low Duration Fund – Regular Plan (Growth) is a debt plan most suitable for short duration investments. It is mostly chosen by investors that share a repulsion with risk. The fund seeks to generate optimal returns through a liquid portfolio comprising of debt instruments and money market securities. Thus, it is a way to earn steady income through a debt-oriented plan and can be useful for utilising surplus money.

The Risk

Debt funds are known for their matured handling of risks. Reliance Low Duration Fund (G) is one of the best made debt funds of our generation. The overall risk is thus under control which makes this option a favourable pick for risk-averse people.

The Returns 

Now comes the fun part. The discussion over returns is something that catches everybody’s attention. And why shouldn’t it? After all, that’s the purpose of making investments. If we talk about the returns that Reliance Low Duration Fund – Regular Plan (G) yielded, the statistics show reasonable figures being earned in the past. The fund stands shoulder to shoulder with other high paying funds in the category with an average yield of 8.15% in the last five years.  Also, the fund has earned twice as much as its benchmark CRISIL Ultra ST Debt, and has even surpassed the results drawn by the category.

The Investment Procedure

Now that you have sufficient reasons to note down for investing in Reliance Low Duration Fund, let’s discuss how you can invest in it. The best and easiest way to become a stakeholder in this fund would be through MySIPonline. Not only will you be served with top recommendations and hints on how to make your portfolio better, but you’ll also be able to complete your investment from scratch in a quick, paperless manner.

Once invested through MySIPonline, you can keep a daily track on your investments through your own personal dashboard that will reflect within 3 days from the date of your investments. Besides, you’ll have ample online tools to use such as the SIP Calculator and the Tax Calculator that will further make your investment experience smoother.

How to Build a Strong Portfolio with Reliance Large Cap Fund?

Technology has provided every person with the power of being the master of his destiny. The once considered difficult task of investing in mutual funds can now be easily done through your laptop or even your smartphone. And we all owe a big thank you to Steve Jobs, the pioneer who introduced us to the world of mobile apps. Whatever you want, your phone is fit to fetch you in a few, simple clicks.

MySIPonline has brought a similar revolution in the field of mutual funds, by connecting the investors with big AMCs and providing an online platform to invest in top-class schemes, such as Reliance Large Cap Fund. This is not all. This startup has been providing free financial assistance to all the mutual fund investors, thus helping them in selecting the best fund for their investment plans and letting them achieve their objectives as quickly as possible, at no extra cost.

Reliance Large Cap Mutual Fund is one of the hottest selling funds in India. The expert team handling the back end of MySIPonline grilled its head for weeks and came up with all the reasons in the world in support of this fund’s success and fame in the market. What are they? Let’s find out!

Top Reasons to Choose Reliance Large Cap Fund 

Reliance Mutual Fund, one of the pillars holding the Indian mutual fund industry together, is known for its revolutionizing products that include products in equity, debt, and various other asset classes. In the segment of equity funds, it launched Reliance Large Cap Fund (erstwhile Reliance Top 200 Fund) to provide the Indian masses with the opportunity to play safely in the market, and also earn great rewards. The fund proved to be a successful venture owing to the reasons penned down below: -

• Compelling Performances

The foremost thing an investor would be concerned about is the numbers that the fund has scored in the past. If the performance graph is poor or shows no signs of improvement, then it’s a failed investment. But Reliance Large Cap Fund didn’t let anything of that sort happen to the investors. In fact, it is the highest paying fund in the category of large-cap mutual funds which the following table will testify: -

• Climbed Spots in CRISIL Ratings 

Besides being the highest payer, Reliance Large Cap is also one of the few funds to jumps spots in CRISIL’s list of best funds, by rising from a three-starred to a four-starred fund in a period of merely six months. That is a compelling achievement which is a rare sight in the realm of mutual funds.

• Pays Extra Attention to Portfolio Creation
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Reliance Mutual Fund is known for releasing funds that are built well and have the energy to spew exceptional returns. Reliance Large Cap Fund has aptly maintained the legacy of the fund house, since it invests only in those businesses that have an age-old operating history, dominating market position, and sustainable growth potential in the future. This helps the fund to make the best portfolio geared towards building huge wealth and earning high returns.

• Controlled Exposure
While it is unreasonable to assume that a large-cap fund is entirely free from risk, but it’s a fact that the risk is much less than other category funds. With an approximate exposure of 80% in giant and large stocks, Reliance Large Cap Fund (Growth) is indeed a much more stable investment option. Hence, if you are wary of high market risks, then an investment in this fund will be the right thing to do in such circumstances.

An investment in Reliance Large Cap Fund - Regular Plan (G) via a SIP plan is one of the easiest ways to draw maximum benefits from mutual funds. Using MySIPonline’s investment portal will further help you make a quick, profitable investment.