Make Your Life More Prosperous by Investing in IDBI Mutual Fund

We all work hard to earn as much money as we can, so as to live a comfortable life. But no matter how much efforts we put in, some things take their own time to get executed irrespective of the thrust employed. If we talk about investing in mutual funds, there are certain options which can yield high wealth for you in considerably shorter period of time as compared to normal investment avenues. IDBI Mutual Fund is one of the best fund houses to invest with as it encompasses some of the most rewarding schemes in the industry. As you’d read further, you’ll get to know more about this AMC and what it has got to offer its customers.

An Overview

Needless to speak, IDBI Mutual Fund is one of the most favoured brand of asset management in India, owing to the fact that it is an integral arm of the renowned IDBI Bank, a Government run public sector bank. The fund house came into existence on 25th January, 2010, registered under the Companies Act, 1956. Though this AMC has been quite new to the market in comparison to its peers, but due its strong management principles and comprehensive market analysis, it has always been able to come up with prominent mutual fund products that have performed extremely well under every phase of the market.

Benefits Associated with Investing in IDBI Mutual Funds 

• Risk-adjusted portfolios that are geared towards the direction of wealth creation over the long-term period.
• A no-nonsense policy is followed by this AMC that involves looking forward for opportunities that can actually be materialised, and are not simply based on pure optimism. 
• A robust team of financial gurus watching over the market movements and synchronising the products accordingly, to make them more efficient in wealth building.  
• Tailor-made investment products for different individuals, thus catering to their discreet needs.

Products offered by IDBI Mutual Fund

1.  Equity Funds

Under these schemes, your funds are basically invested in stock markets. Apart from their original name, they are also referred to as growth plans since they hold different options to build wealth over the long-term or short-term period, as the case may be. The following are some of the equity plans that are offered by IDBI Mutual Fund, all of which can be found on MySIPonline:

• IDBI Midcap Fund
• IDBI India Top 100 Equity Fund
• IDBI Diversified Equity Fund
• IDBI Nifty Index Fund

2.  Debt Funds

Primarily built for risk averse investors, these funds bear the strategy of investing in bonds (both corporate and government), floating rate debt securities and money market securities, and are the best option for creating wealth over a modest time period. Some of the debt funds offered by IDBI MF are mentioned below:

• IDBI Corporate Debt Opportunities Fund
• IDBI Short Term Bond Fund
• IDBI Gilt Fund
• IDBI Dynamic Bond Fund

3.  Gold Funds

As the name suggests, these schemes mainly place the investors’ money in the stocks of corporates which are engaged in the business of extracting, mining, and prospecting gold. There are only two funds in this category which IDBI MF offers: - 

• IDBI Gold Exchange Traded Fund
• IDBI Gold Fund

4.  Balanced Funds

These schemes are a mixed pool of both equity and debt funds, and are also known as hybrid funds. Under this category, the equity portion holds a much larger stake in comparison to debt, which is at least kept 65% in every case, and the balance is bagged by debt funds. There is only one fund of this category held by IDBI Mutual Fund: - 

• IDBI Prudence Fund 

Thus, making online investments in IDBI Mutual Fund schemes will certainly add value to your life. You can invest in the best schemes of this fund house through MySIPonline, conveniently.

Revamp Your Wealth by Investing in These Top Performing Mutual Funds

For realizing your lives' dreams, it is essential to draw a well-lit financial plan that apart from magnifying your riches, can ensure monetary security. Investments in the best mutual funds can increase the chances of achieving your financial goals, as those schemes are carefully designed on the basis of various market factors. Some people try to track the market trends and wait for the right time to park their money even when they are investing in the top performing mutual funds in India, which weakens the prospects of their wealth to prosper and blow gold. In this article, you'll get your knowledge strengthened for devising proper investment avenues and be able to get acquainted with various market intricacies.

What Are the Top Performing Mutual Funds?  

The top mutual funds are tabbed on the basis of their performance track record and the continuity in providing decent returns overtime. The following are some best-performing mutual funds to invest in India that have been shortlisted on the basis their remarkable conduct in the market and will be a great help in making wiser investment decisions.

1. L&T Emerging Businesses Fund (G) : It is an open-ended growth investment plan of the small-cap category that caters the needs of the investors seeking financial control, capital appreciation, and consistent returns. Together with an NAV of Rs. 27.1 as on 1st December 2017, and assets managed to the tune of Rs. 1581.4 crore, this fund has outperformed its competitors by giving high returns up to 53.4% and 26.16% for a 1 yr and 3 yr investment period, respectively. 
2. Motilal Oswal MOSt Focused Multicap 35 Fund (G) : It is an open-ended diversified equity fund, which mainly invests in the equity and equity-related securities along with foreign securities in the international market. The NAV of the fund as on 1st December 2017 is 26.08, along with assets managed to the tune of Rs. 9178.99 crore. The performance of the fund has been quite impressive giving lucrative returns shooting up to 33.37% and 19.95% for a 1 yr and 3 yr investment, respectively.
3. Mirae Asset Emerging Bluechip Fund (G) : It is a growth investment plan pertaining to the mid-cap category. The performance graph of this fund has been gaining height considerably and is rated among one of the best performing mutual funds in India. The NAV of this scheme stood at Rs. 50.45 as on 1st December 2017, with assets under management of a total Rs. 4304.67 crore. The 1 yr and 3 yr returns as on 30th June 2017, stood at 38.41% and 23.1%, respectively.
4. DSP BlackRock Micro-Cap Fund (G) : It is an open-ended small cap growth fund, which aims at stabilizing the invested capital and generate lucrative returns in the long-term by investing into small-cap corporates and firms. This fund saw an NAV of Rs. 66.24 as on 1st December 2017, with assets worth Rs. 5791.12 being managed under its watch. The fund has been successful in rewarding its investors well with returns soaring up to 32.02% and 23.62% for a 1 yr and 3 yr investment, respectively.

Mutual Fund industry is a puzzle hard to solve, but is filled with enormous opportunities that can be grabbed if properly approached. By investing in the aforementioned top performing fund houses, you can increase the chances of your wealth being catapult with full force. Flip through online portals like MySIPonline and get a detailed insight of these AMC’s current products and reward streams. 

Looking for a Bright Future? Then Start Investing in Large Cap Mutual Funds

We all wish to earn high returns on our investments, don’t we? But do we keep the patience that is required to earn them? Well, the answer is obviously a big NO. We desire more money, but we don’t want to wait. But we need to accept the fact that sowing the seeds doesn't bear fruits overnight. Patience is the key, letting the stalks bud out and mature into golden fields. But having said that, what is exactly the solution to earn good returns over the long-term horizon? Well, the reply is, “Invest in Large Cap Mutual Funds”. In the world of mutual funds, the word ‘Large Cap’ denotes the big market share, or the size, of a listed company. In this article, we will discuss in deep about what these funds are and how can they be a good investment choice.

What are They?

Large cap funds are basically those funds that invest the money of the clients in the stocks of well-known companies that have a firm grip in the market and are considered as a secure route to get invested in mutual funds. It is righteously said that, “Wait is worth”, and aptly fits in the context of large cap funds investment since the investors plough great rewards after a long period, and the wait sometimes wins returns which may be as high as four times the amount initially invested, when these funds are in close proximity to their maturity period.

To further expand our knowledge about Large Caps, let’s also understand what large companies are with the help of three ‘R’s: -   

• Reliable
• Renowned and
• Robust

These companies hold a very reputable position in the market and bask in the glory of a remarkable track record. They incorporate strong corporate-governance in their activities and build wealth for their investors over the long-term, slowly but steadily. In other words, they belong to the celebrity class and do a strong market research every time. So, funds that majorly invest their corpus in these companies are referred to as Large Cap funds. ‌‌

Why Should You Invest in Them?

Well, it’s not hard to explain. Large Cap Mutual Funds hold the prize for being a deluxe vehicle for investing as they give attractive returns, and hold on to keep a track record of consistent performance that eventually compounds with time.

Not satisfied yet? Well, here’s another reason for you to consider them as a friendly investment option. They are known to pay steady dividends that turns out to be another source of income for the investors, if they opt for dividend schemes. Thus, even when the market is struggling with recession, the investors would keep on enjoying dividends at periodic intervals. 

Want something more to get convinced? There you go!

1. Lower Fluctuations: Since they belong to the realm of Equity mutual fund, they out to be volatile, but in comparison to Small and Mid-Cap funds, they lag behind in volatility by a bold distance. They are a good investing medium for those who wish to grind out advantage of equity investments, but do not want their returns to get hurt by market fluctuations.
2. Steady Returns: Since Large Caps are poised funds, they offer lucrative returns over the long-term and do not fluctuate much in comparison to other equity fund categories. However, this does not make these funds immune to any decline, but they are more likely to withstand the downturn.

By popping these tasty nuggets of information in mind, it’s impossible for a smart investor to skip investing in these funds. MySIPonline provides an online platform to invest in the best large cap funds. So, invest today for a wealthier tomorrow. 

Should I Invest in the Top Ranking Mutual Funds?

‘Rumors are meant to be spread,’ those who actually mislead others with the wrong information, believe this line. That is why they keep on spreading the incorrect information about different things. In case of mutual fund investments too, there is a big confusion among the investors that they should invest in the top ranking funds or not. And, it is because of having incorrect knowledge.

Some investors say that one should not trust the rankings of mutual funds, while some say that investment in top ranking mutual funds can be a good bet. But when we approach them with a question ‘Why?’ they have nothing to explain. It is because people easily believe what they hear from others rather than digging into the facts. Let’s know what our experts say about investing in the top ranking mutual funds: 

Neither you should completely believe in the mutual fund rankings, nor you should ignore them. Yes, you can consider investing in them if the investment profile is matching to that of yours. For the best results, it is suggested to consult a financial expert before choosing any scheme. However, it is not that all the top ranking schemes are good for you. There are many blockbuster movies which you don’t like because they do not belong to the category that you enjoy watching. Similarly, all the mutual funds have different style, objective, portfolio, performance, etc. You need to select the one on the basis of your investment profile and objectives. Now, out of those selected ones, you can consider the ratings to know which one has performed superior. Remember one thing that not to compare the schemes of different categories on the basis of star ratings.

What Is Mutual Fund Star Rating? 

Mutual fund star rating is an indicator of the overall performance of the scheme. More precisely, it shows that how the scheme has performed over a certain period of time. There are some rating agencies which provide star ratings to the mutual fund schemes considering the various parameters such as performance, asset class, category, etc. CRISIL is one of the rating agencies that rates the mutual fund schemes and provides them star ratings. For instance five stars means 1st rank to the scheme that has performed excellently, for the performance level little down, it gives a four-star rating. And so on till the one star and no ratings if the scheme is unable to match the criteria of the agency. 

Here’s the List of Some of the Top Ranking Mutual Funds to Invest in India:

1. L&T Emerging Business (G)
2. Aditya Birla Sun Life Small&Midcap Fund (G)
3. Reliance Small Cap Fund (G) 
4. Aditya Birla Sun Life Top 100 Fund (G)
5. L&T Midcap Fund (G)
6. Motilal Oswal MOSt Focused Multicap 35 Fund - Regular Plan (G)
7. Sundaram Rural India Fund (G)
8. Tata Equity PE Fund (G)
9. ICICI Prudential Long Term Fund - Regular Plan (G)
10. HDFC Small and Mid Cap Fund (G)

The schemes which mentioned above are the 1st rank holders by the CRISIL for the quarter ended September 2017. In the list, the schemes of different classes and categories are mentioned.

The mutual fund rating agencies rate the different schemes on the various parameters. Still, it is never suggested to depend on them completely. It is better to consult a financial planner. You can check out the top ranking mutual funds on our portal, i.e., MySIPonline, and consider them for investment after consulting with your advisor.

Buy Right and Sit Tight with Motilal Oswal Mutual Fund!

In today's world where technologies are doing unbelievable maneuvers every day, there has been a drastic change in our everyday living due to new innovations creeping in that have provided prolonged betterment to our lifestyles. With such commendable evolutions taking place in the technological industry, investing in mutual funds have never been simpler. Emergence of such technical reforms have opened new pathways for constructing lucrative investment schemes including Motilal Oswal Mutual Fund, which is one of the most rewarding funds in India and has recast the performance trend in the financial industry. In this write-up, you’d get to know about the various features of this fund house, and will be able to determine whether you should hand over your hard-earned money to it. Keep reading and grab the opportunity of multiplying your wealth with one of India's best mutual funds. 

Getting Started

Motilal Oswal Asset Management Company Ltd. (MOAMC) is a public limited company that came to life on November 14, 2008, and is registered under the Companies Act, 1956. The AMC is also a duly certified portfolio manager registered with SEBI under the SEBI (Portfolio Managers) Regulations, 1993. Apart from providing world-class mutual fund products, it is also engaged in offering a horde of other management and advisory services to offshore funds, financial consultancy and exchange of research on commercial basis, all subject to approval of the regulators and its trustees, and ensures that such services do not conflict with the activities of the mutual fund.

Investment Philosophy 

Motilal Oswal MF follows the policy of 'Buy Right – Sit Tight' in applying public wealth to several industry sectors. 'Buy Right' simply means investing in companies that have a promising future, and 'Sit Tight' means holding your investments in them for a longer period to reap the full growth potential of the funds. Let's further discuss this philosophy in detail:

Buy Right: Q-G-L-P Approach in Buying the Perfect Funds

• Q: Quality in business administration and execution
• G: Growing exponentially in terms of earning and return on investments
• L: Longevity in the competitive stake by achieving economies of scale
• P: Price for which a business acquired is fairly lower than the expected future earnings

Sit Tight : Focus and Discipline

A company may be in business for decades and may have acquired a mark in the industry, but it's obvious that the prospects of the company change frequently, sometimes even on daily basis. Thus, one needs to stay invested for considerably long period to unlock the full advantage of investments in the best mutual funds. 

• Focus: Motilal Oswal Mutual Fund encompasses portfolios with high conviction, soaring up to 20-25 different fund schemes. It duly acknowledges that over-diversification may result in dilution of the returns and can also aggravate the market risk for the investors. 
• Discipline: The fundamental principle on which this AMC works is choosing the best performing funds in the market, and benefiting the investors by letting the invested capital pass through the complete growth cycle. Following such disciplined ideology is what made Motilal Oswal as one of the most trusted brands in the fiscal industry.

Investing in mutual fund is reasonably tricky, and you are sure to face some difficulties in making right investing decisions. However, fund houses like Motilal Oswal MF ften come up with exceptional products and let you choose the correct alternative for your wealth to multiply. Get instant solutions to all your financial queries at MySIPonline and achieve your objectives.

Sundaram Diversified Equity: A Long Term Tax Saver Fund

Sundaram Mutual Fund is one of the most trusted asset management companies in India which was launched in the year 1996. It is a part of the one of the oldest and well-known financial groups, i.e., Sundaram Finance Limited Group. Spreading the expertise in the industry of mutual fund and making the dreams of the investors come true, this AMC has been consistently stepping toward new heights of success. Moreover, it offers various types of mutual fund schemes which have the potential to fulfil the different financial needs of the investors. Among the many, one of a kind is the long-term tax saving scheme. The tax saving scheme of Sundaram Mutual Fund helps the investors to avail the tax benefits u/s 80C of the Income Tax Act. Here’s all you need to know about the scheme in detail so that you can plan your tax saving route for the upcoming financial year ending:

An Overview: It was launched in the year 1999, and has faced many ups and downs of the market swings. It has recorded the mark at 18.30% as returns since launch. While providing the tax benefits to the investors, it also offers them attractive returns from the investments in equities. Its performance is measured against the benchmark, S&P BSE 200. The fund has a good record of trailing returns in the cycle of three, five, and seven years which are tracked at 14.15%, 17.44%, and 10.40% respectively as on November 09, 2017. The NAV of sundaram diversified equity A long term tax saver fund scheme has amounted to Rs. 102.45 as on November 09, 2017. The total assets under management are amounting to Rs. 2,088 crore as on September 30, 2017. Altogether, it shows that this scheme has provided excellent growth to the investors.

Portfolio Allocation: Being a diversified equity scheme, this fund invests in the mix of small, mid, and large-cap stocks in the proportion of 6.80%, 38.23%, and 54.98% respectively. Therefore, it also diversifies the risk involved in investing in a particular stock. The below table shows the top ten holdings of this scheme which hold almost 30% of the total capital:

From the top ten holdings of this scheme, you can have an idea of the overall portfolio asset allocation strategy of the fund manager. It aggressively invests in the stocks of the companies in the financial sector which amounts to nearly 30.35%.

In the bottom line, there is no doubt in saying that you can choose this scheme to invest in. The year-end is approaching, and you must get ready to avail maximum benefits in your tax. To know more about how you can earn profits by investing in mutual funds, get associated with us right away at MySIPonline.

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.