Tata Mutual Fund: This Is What You Should Know Before Choosing its Schemes

The growing awareness of mutual fund investments is helping the novice investors to reap exceptional benefits from their investments. But, still, there are many who are left out from the amazing exposure of MF. They don’t even have the idea about the excellently rewarding world of mutual funds.

There are more than forty asset management companies and many other regulatory bodies which are indulged in the working of the mutual fund investments. All are spreading awareness in one or the other way to promote financial literacy amongst the investors. Tata Mutual Fund is one of the best and trusted AMCs in India that is putting in effort towards educating the people to help them invest in and earn big returns.

It is helping the investors to get an adequate information about their capital investment and have transparency between the fund house and the investor. In this way, this company keeps the investors’ interest at priority. This fund house offers a wide range of investment solutions to the investors and provides them adequate details about the schemes in which they can invest in. If you have decided to invest in the Tata Mutual Funds, then you must check the following points:

1. Know the Investment Style: You should know the investment nature of the fund in which you are deploying your hard-earned money. For instance, if you are an aggressive investor and unknowingly you chose a conservative scheme, then you will not enjoy more profits as the conservative fund will not allow you to stretch your investments at the fullest to earn high profits. 
2. Know Your Risk: Although the Tata Mutual Fund has gained a big brand name and won the trust of millions of investors by providing them good returns on their investments, it is not necessary that all the funds of this AMC are safe. Actually, various schemes of this fund house have different risk profiles depending on their investment style and objectives. You must analyze how much risk you can take and accordingly invest in the most suitable fund. 
3. Know the Expenses: A certain amount of expense which is known as the exit-load is charged to the investors by the AMC as a fee for the management of the scheme. The time you invest in any mutual fund, you also hire the services of fund manager, who is liable to manage the movements of the scheme for the best possible results. So, the AMCs charges a small amount from the investors as a fee to fund manager. You can choose to invest in the scheme which charges less exit load. 

Other than the above-mentioned points, there are many other things that you must know before investing in any mutual fund scheme in order to get a hassle-free investment experience. If you want to know about the most suitable fund for you by comparing the various details of the different funds, then visit us right away as we, at MySIPonline, offer amazing investment services to our clients.

A Deep Dive Into the Various Benefits of the Mid Cap Funds

Don’t you want to invest in a scheme which can help you to reach your investment goals while maintaining a balance between growth and value? If yes, then there is a way which can lead you towards your financial target efficiently. Mid cap category of mutual funds justifies the requirements of the investors who desire to walk on the path of wealth creation while maintaining both value and growth. Therefore, it stands among the best choices of the investors. However, the sub-categories make differences in the choices due to the varying nature of the investments and portfolio holdings. So, before you invest in any mid-cap fund, you must have an adequate understanding about them.

What Are Mid Cap Funds?

The schemes which invest in the stocks of the companies having the market capitalisation ranging from Rs. 500 crore to Rs. 10,000 crore are termed as mid cap fund. Generally, the investors of these funds need to stretch the investment duration for a longer period as compared to the large-cap ones due to the nature of the companies. They are known for the benefits they provide from the excellent combination of the returns and capital appreciation. As the mid-cap companies are those which already have traveled through the phase of a start-up and heading toward the way to become a large company, they provide benefits of both the small-cap and the large-cap funds.

When comparing the small-caps with the mid-cap category, the latter one get least affected by the market volatility because they have strong presence. Moreover, the mid-caps enjoy more growth opportunities than that of the large-cap peers as the latter one are well established and grown up and have less ways to stretch its versatility.

Some Major Benefits of the Mid-Cap Mutual Funds:

• They adopts the innovations and changes in the market faster as they are adequately diversified in their products or services and specialised in their niche. 
• Mostly, the mid-cap stocks tend to beat the performance of the other two categories in terms of growth and value in the long run.
• For the investors who are ready to stay invested for a longer investment tenure, this category serves the best benefits of big returns. 

There are several more advantages of deploying the hard-earned money in the schemes of mid-cap space. You too can reap them by investing in the most suitable one. We, at MySIPonline, have plenty of the best performing mid-cap mutual funds. If you want to fetch the excellent benefits of investing in them, then visit us right away and start on a good way toward the achievement of your financial dreams.

Do you want to save tax while investing?

All of us aspire to get something extra within the same price that we pay for a single good. This is a common human tendency which makes us choosy and we search for avenues which can provide maximum satisfaction to our needs according to the money spend for them. But, when it comes to tax planning, we follow the advice of a tax-planner blindly or go by mouth publicity, which is a wrong practice. Investing along with tax saving is a difficult task for all the clients and needs to be taken care of very efficiently. Thus, to resolve the turmoil mutual fund experts have launched a scheme which allows the clients to save their taxes and at the same time enjoy capital appreciation within a single scheme. The scheme is known as ELSS (Equity Linked Saving Scheme). It allows the clients to access a scheme which abides by all the rules defined under the Section 80C of the Income Tax Act.

Understanding ELSS in a better way

Tax saving is an intricate task for the clients who fall into a higher tax bracket. They are confused about the investment mechanisms which will allow them to save tax and provide higher returns on their savings. The general tax saving mechanisms known to people are PPF and NSC. Both these schemes are government sponsored and gives a rate of interest to the clients. These are similar to having a bank account but differ a little bit. But, with two restrictions, namely, restriction on withdrawal and a minimum amount to be deposited every year. On the contrary, mutual funds have launched ELSS with a view to embracing twin benefits to the clients. ELSS allows the clients to invest in mutual funds and avail the benefits of tax saving. ELSS fund enables the client to invest a sum of Rs. 1.5 Lac, which is the permissible tax rebate limit. This means that the clients can invest Rs. 1.5 Lac from the total taxable income of the clients.

How tax rebate is applicable?

ELSS is a scheme defined under the Section 80C of the Income Tax Act. As per this Section, the clients have the right to save tax up to Rs. 1.5 Lac if their annual income exceeds Rs. 2.5 Lac. The clients are free to invest either the entire amount in ELSS scheme or they can diversify their investments between different tax saving options. For example, a client’s annual income is Rs. 5 Lac. The limit on which a client need not pay taxes according to the tax slab is Rs. 2.5 Lac. Tax is chargeable on the remaining Rs. 2.5 Lac. From this sum the client can save extra Rs. 1.5 Lac, so he will have to pay tax on the remaining 1 Lac which will be less as compared to the tax that has to be paid on Rs. 2.5 Lac. The client will benefit the most if he invests the entire amount in the ELSS fund, as it will provide him with better benefits as compared to any other scheme. All government sponsored schemes provide a rate of interest as low as 8% while ELSS scheme provides a return rate of 15%. Along with having a lock-in period of three years ELSS scheme has been rated as one of the tax savers which has a less lock-in period as compared to any other plan.

Thus, investing in mutual funds will not only save your tax but will also enable you to create a corpus for your future needs on the whole. So, if your income falls under the taxable slab then you can surely opt for ELSS scheme. You can also take up the online ELSS investment through My SIP online which will allow you to monitor your funds and investment in a simple manner.

Mutual Fund News: BSE Sensex Lost 1,270 Points on Wednesday

The longest losing streak of 2017 in the past seven days. The BSE Sensex went down to 31,154.03 on September 27 from 32,432.76 on September 18. Big amount wiped out from the market leaving behind the investors in the sense of shock. The listed companies under BSE loosed over 6.18 lakh crore in their capitalisation. The Sensex has lost 1,270 points in the last few days witnessing to a great fall in the market. This southward flow has laid significant impact on the behavior of the mutual fund investors too. Questions are floating rapidly in the air and queries are being frequently made. Investors are willing to know that whether they should wait for the market to go deeper or it will take the turn from this point. Let’s know some of the parameters which are making the bulls to run away from the market:

Weak Rupee: A sharp fall in the rupee is one of the reasons for this market drop. It weakened for a fifth straight session to hit a fresh six-month low on September 27. The foreign investors don’t like deploying their capital in the weakening currency. Rather, they look for the market which has strong fundamentals and expectation of growth in the value of the currency. Therefore, the falling rupee made the FIIs pull their investment back creating a fall in the market.

Crude Oil Price: The steady rise in the price of crude oil is one of the significant reasons for the recent decline of the market. The rising price of crude oil has an inverse impact on the Indian equity market, and with the crude sweltering at a 26-month high, the rate is expected to reach $60 per bbl soon. This expectation does not indicate good picture for the Indian equity. Due to its inverse correlation with the Indian capital market, the boiling price making the equities sweaty.

Apart from the two mentioned above, there are several other factors which have their impact in the recent fall of the equity market in India. For the mutual fund investors, the market is open to big opportunities. Many uninformed investors spread this myth that one should not invest in the market downfall. But, the astute one knows that southward going market has the best opportunities for the investors and potentially provides high growth in future.

Therefore, it can be concluded that the equity market is on the best mode to invest in it. The investment made now will allow you to purchase more units of the underlying asset upon which the future growth will provide you added benefits. One must not miss the chance to reap the big profits from the down market. If you are willing to take the advantages of this market condition, you can start right away at the various online mutual fund platforms available like MySIPonline.com.

Enjoy High Capital Gain with UTI Equity Fund Growth

Before stepping into the world of mutual fund investments, most of the investors have a fixed fear in their mind that “mutual funds are subject to market risk,” which came from the promotional advertisement of a mutual fund. But, the actual scenario is not the same; one must ask any person who has experience of both positive and negative phases of mutual fund investment to know the real potential of these schemes to provide high returns. UTI Equity Growth Fund is one of the best schemes which has excellent growth ability along with the strategic portfolio diversification which allow it to fetch maximum returns for the investors. There is no doubt that investment carries risk, but the factors and levels of risk are different in all the cases. After all, every big enterprise has evolved in the market while dealing with the risk elements. So, one should not just see the risk parameter, but the ability to perform fantastically should also be considered. And this scheme can showcase the performance of that level by generating excellent returns.

UTI Equity Fund (G) is an open-ended equity scheme which primarily targets toward attaining high capital gain in the long-term period. It invests almost 90% of the total capital in the stocks of various companies to get the hold on capital growth. It has showcased great performance by outperforming its benchmark, i.e., S&P BSE 100, and the category many a time with convincing margins. One should also observe the time of market falls when it has maintained to outperform both the measures conveniently. As it is a large-cap equity scheme, it majorly parks the capital into giant companies with a portion of 63% out of total equity investment. The NAV of UTI Equity Fund has been tracked at Rs. 121.6074 as on August 17, 2017, which is a sign of good growth from the starting of this year. This fund has also maintained to provide good returns to the investors in the long-term period along with several tax benefits.

If any investor is searching for a scheme which can provide them long-term capital gain along with safety from market volatility, then UTI Equity Fund can be among the best choices. Another additional benefit the investors get when investing in this scheme includes value and belief which are the most important factors for people when it comes to money matters. The UTI Mutual Fund has strong rules and regulations framed by the government bodies which make it among the most trusted AMCs in India.

Therefore, it can be concluded that UTI Equity Fund is one of the best schemes to invest if the objectives of making wealth have to be achieved over a long period of time. If one wants to invest in the equity-oriented scheme with the same goal, there are various online investment portals like MySIPonline which allow online access to mutual fund investments. They can avail their services to experience the best way toward investment.

Things to Know Before Investing in Birla Sun Life MNC Fund

There are various factors which are considered by the investors before deploying the hard-earned money in any mutual fund scheme. It is because of the differences in the risks and returns involved in various schemes. The regular and well-informed investors are always in search of a plan which can provide them with the best balance of all the elements to ensure the profit generation. Birla Sun Life MNC Fund is one of the schemes which is capable of providing the perfect balance between the risk and return factors if the investments are kept for a longer term.

Let’s know about the various parameters which allow this scheme to generate excellent returns for the investors:

• Objectives: The primary focus of the scheme is on generating long-term capital gain by investing in the stocks of multinational companies of various sectors. It finds the best businesses that have a high potential for growth through a research-based approach which is conducted by its expert personnel. It always keeps the primary motive of fulfilling investor’s objective at a priority which makes it more reliable. 
• Portfolio Analysis: Birla Sunlife MNC Fund holds a concentrated portfolio that consists various stocks of different companies which are highly capable of providing good returns. It majorly deploys the capital in the mid-cap companies and rest is allocated in other scales. The mid-cap companies are less volatile than the small-cap ones, and they also have high-growth potential than the large-cap entities. 
• Performance: BSL MNC Fund (Growth) has always managed to offer significant returns to the investors and provided decent growth to the invested capital. It has showcased the best performance from 2014 to 2015 by making a sharp jump in its NAV. It has also outperformed its benchmark, i.e., Nifty MNC, many a time with a convincing margin. 

Furthermore, the other factors of BSL MNC Fund are also targeted toward the high growth of the capital in the long run. One can attain the growth of more than double if stays invested for the long-term duration.

So, it can be concluded that Birla Sun Life MNC Fund (Growth) is among the best mutual fund schemes which has adequate capacity to fulfil the long-term financial objectives of the investors. There are several top-performing mutual funds of Birla Sunlife which are also available on various online mutual fund investment platforms like MySIPonline for providing ease of investing online to the investors.

Invest in Canara Robeco Emerging Equities Fund to Be a Happy Investor

What does the investor search for before investing in any mutual fund scheme? The majority of them run to chase the one which has the potential to grow excellently during various market conditions because they know that growth gives the way to success. And if investments are to be made to achieve growth, then equity funds are the right choice. There are some of the schemes which have incredible potential to perform in various market trends with extreme growth capacity. One among the best is Canara Robeco Emerging Equities Fund which showed impressive performance to the long-term growth seekers. It primarily invests in the stocks of diversified mid-cap companies that have high capability to emerge as bigger corporates. The mid-cap business entities are those which are surviving in the industry with a good lead, and are on the path of growth for higher achievements.

Canara Robeco Emerging Equities (G) is an open-ended equity scheme which was launched on March 11, 2005. It aims to provide high capital appreciation to the investors by making adequate diversification in its investment across various sectors. It invests 97.45% of the total capital in the equity stocks and shares, where majority of the capital (around 50.71%) is being parked in the equities of mid-cap companies. The reason of being among the best growth-oriented mutual funds is its decent performance record. It has also been ranked four stars by CRISIL on the basis of its performance and credibility. Most of the time, it has offered superior returns to the investors while beating the benchmark, i.e., Nifty Free Float Midcap 100. The best results from this scheme can be obtained when invested for a long-term period. Given below is the table showing the performance of the fund, its benchmark, and the category which depict its superiority in generating good returns over a long period of time.

**Trailing returns as on August 02, 2017.

                                                                                                                                                Furthermore, this fund is a good choice for the investor who is ready to earn exponential profits by exposing his/her investments to equity instruments. Though it travels through a volatile market as the capital is parked in the mid-cap businesses, it has the expert fund managers who are well experienced to make the best moves in the fund in the various market conditions. The NAV of Canara Robeco Emerging Equities has been tracked at Rs. 87.76 as on August 02, 2017 showing its per unit worth in the market.

Therefore, it can be concluded that Canara Robeco Emerging Equities Fund is one of the best equity mutual funds to invest in, and it has high capability to generate extreme capital growth. To invest in this scheme, you can get in touch with the various online investment platforms like MySIPonline.