All the Best Schemes of IDFC Mutual Fund You Need to Know About

IDFC Mutual Fund is a prominent mutual fund asset management company in India which was established in the year 2000. Since then, it has provided an innovative solution to the investors by launching various schemes in different categories. It has AUM of nearly Rs 65,000 crore which is constantly increasing as the AMC has gained the trust of the investors over the years. The experts at MySIPonline have prepared a list of the best-performing schemes. The following schemes of IDFC Mutual Fund have been the most impressive in recent years and can be chosen for new investment as well.

IDFC Bond Fund - Income Plan

This is a medium to long duration debt scheme which is among the top performers in the category. It has delivered better returns than peers and index many times in the past. It invests in the securities with a medium as well as long term maturity but due the recent rate cuts by RBI, the securities with long term maturity have been highly chosen. The average maturity tenure of the securities chosen is 8.29 years while the yield to maturity is 8.12%. The fund is an ideal choice for investors who seek to invest in fixed income securities for more than 3 years.

IDFC Low Duration Fund 

It falls in the category of low duration fund which can be used as an investment platform for short term savings. The fund invests in the securities which have maturity tenure of 6 to 12 months. The maturity tenure of the securities cannot exceed the set limits. It has delivered much better returns than the peers and benchmark. IDFC Low Duration Fund can also be used as an alternative to bank deposits for the short term. Investors can expect 8% annual returns under normal conditions.

IDFC Banking & PSU Debt Fund 

It is a consistent fund that can only invest in the bonds and debentures of the companies which have their business in the banking and financial sector. It selects securities with high credit ratings but the rate sensitivity is also high as the interest rates can be changed. The fund invests in securities with medium-term maturity with an average tenure of 3.6 years. It has generated 8.7% returns in the last one year. The fund is suitable for conservative investors who want to invest in banking securities.

IDFC Tax Advantage Fund 

It is an ELSS fund which invests 100% of the corpus in equity instruments to allow the investors to earn long term gains along with tax benefits. It can reduce tax liability by Rs 46,800 every financial year. The fund possesses high risk as nearly 50% of the investment is done in the high-risk stocks which can deliver high returns in the long term. The long term gains of the fund are better than the benchmark and category average. The fund has a lock-in period of 3 years but investments must be done for more than 5 years for better returns.

The above-mentioned schemes are the top performers in the current market conditions and can be chosen according to the suitability of the investors. To know which scheme can be most suitable for you, connect with the experts at MySIPonline. Download our official app for the Android and IOS devices from the link below.

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Reliance Retirement Fund- Tax-Efficient Retirement Planning for a Better Future

Reliance Mutual Fund came up with Reliance Retirement Fund in 2015 to assist the retirees in the most efficient manner. The fund is divided into 2 parts namely wealth creation plan and income generation plan. Reliance Retirement Fund - Wealth Creation Plan follows a multi-cap investment strategy by selecting stocks throughout the top 500 stocks on the Indian stock exchange. The investments made in this scheme gets automatically transferred to the income generation plan when the investors reach the age of retirement. Another attraction of the scheme is that it comes under the umbrella of Section 80C and can reduce the tax liability by up to Rs 46,800*. Read to get more details of the fund as the experts at MySIPonline have provided details of the scheme to assist the investors.

Salient Features of Reliance Retirement Fund

1. The wealth creation plan of Reliance Retirement Fund is an equity oriented scheme and invests predominantly in large-cap stocks with minor allocation in small and mid-cap stocks. 
2. The Income Generation Plan is a debt oriented hybrid scheme which aims for conservative growth of the accumulated capital. 
3. Switching between both the scheme can be done manually or automatically and is free of cost.
4. It has a lock-in period of 5 years but switching can be done during this tenure. 
5. Various facilities regarding investment are available like auto transfer facility, step up SIP, and SWP option for periodic withdrawal. 
6. The fund aims to grab the power of compounding through equity tools to gain more capital for the post-retirement era. 
7. It is one of the rare funds who aim specifically for retirement planning while reducing the tax liability. 

Investment Strategy

The investments for the fund are handled by Ms Sohini Andani who also manages many other top performing schemes at Reliance Mutual Fund. She uses the fundamental top-down investment strategy to select the quality stocks and invests in growth-oriented style. The stocks are selected with a long term perspective to assist the retirees. Reliance Retirement Fund - Wealth Creation has a low-risk portfolio and is suitable for investors with moderate risk appetite.

Why to Choose?

Retirement planning is the most important concern of one’s lifestyle and the majority of the individuals are dependent on some of the other source for financial assistance after retirement. Most of the retirement planning platforms provide much lesser returns and also incurs unwanted tax implications. Reliance Retirement Fund - Wealth Creation provides much better gains than any other traditional retirement planning tools like PPF, EPF, etc. It is a recently launched fund which is yet to complete 5 years but can be trusted for important goals like retirement planning.

The fund has a low-risk portfolio hence the risk is moderately low for an equity scheme. Investors should start investing in this scheme at an early stage to enjoy the benefit of compounding. Investors must check their suitability before investing as the fund has a lock-in period of 5 years and charges exit load of 1% until the investor turns to the age of 60 or retires, whichever first. To start investing today, connect our financial experts for suggestions and download our android and IOS app to become a successful investor today.

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How & When to Choose Kotak Equity Savings Fund?

Equity Savings Fund is the category which invests in a mix of equity, debt, and arbitrage instruments. However, it maintains a minimum exposure of up to 65% (it contains arbitrage portion as well) to be called as equity fund by the definition of SEBI and the rest is invested in debt securities. Kotak Equity Savings Fund was launched on 13th Oct 2014, after SEBI’s categorization norms to define taxation in debt fund. So, following the significant exposure, the investment in this scheme is categorized according to equity taxation norms. Here are points mentioning how and when to choose Kotak Equity Savings Fund G.

Long-term Goals:

As the scheme maintains significant exposure to equity instruments, it is better to hold on this scheme for long-term goals. Further, the AMC also recommends the investors to stay with Kotak Equity Savings Fund growth for more than a year and exempt from the exit load of approximately 1%. So, if you are planning for a goal of 5-years and more, you can choose this scheme and gain over a period with equity taxation benefits.

Asset Allocation

The portfolio of Kotak Equity Savings Fund G NAV consists of around 26.94% assets in equity instruments, 22.36% in debt instruments, and 49.93% in cash equivalent to use for arbitrage opportunities. Apart from this, the fund manager of the scheme has the freedom to change allocation in case arbitrage opportunities are unavailable or debt returns are more attracting than the equity. So, by maintaining a portfolio with lower risk and stable returns, this scheme is good for investors who have moderate risk appetite and want to invest in equity instruments. Choose this scheme when you want to maintain a diversified portfolio and attain equity taxation benefits on the capital gain.

Investment Objective:

For the investors who want to invest in debt instruments with low to moderate risk-appetite and want to get the advantage of equity savings, Kotak Equity Savings Fund is the best choice to get moderate returns over a long-term horizon.

How to Invest?

• To start investing in Kotak Equity Savings Fund G easily, you are required to register first at MySIPonline. When you are done with the registration process, you will get a mail mentioning your ID and password. 
• In the next step, you have to complete your profile with the required information. You are also required to provide your personal and bank account detail and wait for KYC approval. 
• When you are done with the primary procedure, you will get a separate account at our portal to start investing. By selecting the Kotak Equity Savings Fund growth scheme in the portfolio, you can invest so easily. 
• Further, you can check the performance of the scheme from your account itself. 
• Depending on the market conditions, you will also get updates as well. 

From the above-mentioned points, you can invest in Kotak Equity Savings Fund after deciding the relevancy of the scheme for your portfolio. For more information about this scheme, you can visit our website and contact the experts as well. 

Like Investing in Axis Mutual Fund with MySIPonline? It's Time to Share

When you started investing in a mutual fund, you might have taken advice from your friend, relative, and adviser to get relevant information about getting started. Like we, at MySIPonline, guided you to make your investment grow without charging anything, now it is time to pay off by just sharing your experience with your friends. As our experts help you in finalising the relevant schemes under Axis Mutual Funds, they can help your close ones as well in getting the best possible solution. With the same thought, in favour of us, please share the app and website to your dear ones. You are not required to say anything exorbitantly as sharing what you get here by investing in Axis Mutual Fund online is enough to help us grow.

Share What You Get at MySIPonline 

It is a well established mutual fund service provider which offers a range of investment options under a roof. Like you invested in Axis MF, there are 21 others AMCs as well with variegated schemes. As you have experienced our services and investing process, you can easily tell about it to your friends and family. You can also explain how easily they can start investing after registering and completing profile successfully. Further, as we promise, the investors are not required to pay a single penny, you can also share this to make them aware of what they will get here than others.

Explain the Reason of Investing 

Axis Mutual Fund is one of the leading brands in India when it comes to mutual fund investing. As you may have explored our website, there is a range of schemes provided under equity, debt, and hybrid category. You can explain to them how you have finalised Axis Mutual Funds for your portfolio and how our relationship manager helped you in analysing your risk-appetite, investment objective, and expected returns for a particular time horizon. This genuine approach of sharing not only help us in extending our reach but also help you in building a strong relationship with your relatives and friends because our prime objective is trust and we take it more seriously for professional conduct.

Share You Like the Best 

You can also share our features and tool which had benefited you in making investing easy in Axis MF. It may be possible that you have not explored the tools fully, then you can share what you like about app and services. You can also share your experience with our support team who is always ready to help you out in and out. If you are impressed by our articles and blog section, you can also mention this to them. So, share what you liked the most by investing in Axis Mutual Fund through the portal.

Tell How It Benefited You

When you share your experience, most people will pay attention on how it has helped you in generating stable returns, and then you can also explain about portfolio suggestion, recommended fund option, and experience of investing with us.

So, Axis Mutual Fund online is a good option to get started with the mutual fund, and it will be added benefit if you are choosing our investment platform. Moreover, thank you for being connected with us and trusting our portal. Now, it is our turn to show the same trust to whom you are sharing the experience and recommending this portal. 

How to Invest in SBI Credit Risk Fund and Reduce Risk in the Portfolio?

SBI Credit Risk Fund was launched on 14th July 2004 with an investment objective to invest predominantly in corporate bonds which are rated AA and below and maintain moderate liquidity with money market instruments for giving an option to utilise opportunities of bonds. The portfolio of the scheme is handled by Mr Lokesh Mallya and Ms Mansi Sajeja since Feb 2017. Since inception, this scheme has produced around 7.58% annualised returns and always generated positive returns. Apart from this, considering year on year returns, it has always outperformed the benchmark till now.

In last 3, 5, 7, and 10-years, it has produced around 7.88%, 8.75%, 9.08%, and 8.34% respectively. Considering performance, you can invest in this scheme for a short to long term duration.

Follow the Steps to Start Investment at MySIPonline

Register

It is an independent mutual fund platform to provide various mutual fund services to investors in order to fulfil their investment needs regardless of the financial status. The investors will get all types of schemes based on their investment objective, risk-appetite and time horizon here. All you need to do to start investing is register at us. You don't worry about the charges as it is free of cost and a one-time process. After registering, you are asked to complete your profile where you have to provide some personal detailing to maintain a profile with different AMCs. So, to start investing in SBI Credit Risk Fund G, first, you have to register at our portal.

Complete KYC Verification

KYC is also a compulsory process where you have to provide the details to verify your IDs. If you are planning to invest in schemes provided by different AMCs, no worries as it will be valid for both to start investing. So, after completing KYC compliance, you are free to choose SBI Credit Risk Fund growth along with different mutual funds for your portfolio, depending on your decision.

Add the Scheme 

Finally, you have to add the SBI Credit Risk Fund to your portfolio. After adding the scheme and successfully completing the investing process, you get access to your investment account where you can check performance, redeem and do additional purchase as well. Apart from this, based on the market conditions, you will also get updates regarding your investment.

How to Reduce Risk in the Portfolio?

By analysing the past performance of the SBI Credit Risk Fund, it is clear that this scheme has a stable portfolio with low to moderate risk only. With significant exposure to debt instruments, the overall risk is already reduced, but below AA rated bonds in the portfolio may insist you to apply risk mitigation tactics. So, the first thing to get adequate returns from this scheme is to stay invested for a short to long term and do not redeem in a very short term duration. Further, you can choose SIP mode of investment as well to feel confident with your investment.

By following the above-mentioned process of investment and suggestion to stay invested for a particular period, you can get stable and safe returns from this scheme. MySIPonline also provides some free tool to assist the investors in getting out of tough calculations such as SIP calculator and tax calculator.

Why ABSL Equity Fund is in High Demand in the Market?

The craze of mutual fund investing is raging these days. Thousands of new aspirants are making their way to the industry in the hope of earning better returns and accomplishing their objectives. With the increase in the investor traffic, many new schemes have been popping up in the market.

This surge in the options, however, has created a confusion amongst the investors over choosing the funds for their portfolio. They tend to be apprehensive about their choices, and hesitate moving further with their plan. But, if they chose to invest in Aditya Birla Sunlife Equity Fund, they might be saved from the trouble of getting stuck in the middle of their plan.

The Fund Analysis

Aditya Birla Sun Life Equity Fund (G) is an equity-oriented multicap fund. Started way back in 1998, the fund is amongst the top multicap funds to invest in India. It competes against the benchmark S&P BSE 200 TRI, and has overpowered it in the terms of performance.

ABSL Equity Fund has been known to produce good returns at moderate exposure. As a result, it has been able to draw large traffic of investors, and accumulate a colossal wealth that amounts to Rs. 10,148 crore as recorded on 31st December, 2018.

The Objective 

Though equity driven, Aditya Birla Sunlife Equity Fund – Regular Plan (G) also shares a part in debt and money market instruments. Almost 96% of the assets of the fund are placed in equity and related instrument, while the balance is debt and money market instruments. Further, the fund adopts top-down and bottom-up approach of investments, whereby a decent amount of assets is placed in IPOs, emerging sectors and other potential market areas.

The Key Features   

In order to be sure about the durability of your plan, it is important to know the funds from inside out. MySIPonline – North India’s best online investment portal – has been assisting investors for years in making top mutual fund plans. It analyses all the top performing funds, and conveys an unbiased opinion on the fund.

As a part of its educational programme, MySIPonline has sketched a detailed analysis of Aditya Birla Sun Life Equity Fund (Growth) describing its features as follows: -

• Superb Results in the PastABSL Equity Fund has been a star performer in the multicap category. Through its impeccable performance, it has stayed ahead of the league and have set a new standard of performance. In the last five years alone, the fund yielded 18.66% returns, while the yield to date remains at 23.09%.
• Excellent Portfolio Management The fund management is the key for the survival and growth of a fund. And Aditya Birla Sunlife Equity Fund is blessed with some of the best brains in the fund management regime. They analyse the fund’s performance in tandem with the market, make necessary adjustments, and ensure that the growth remains steady and doesn’t face any glitches, whatsoever. 
• Careful Analysis of StocksBesides handling the performance, the fund managers are keen about the stock-picking process. They choose only those options that belong to high end companies, and are capable of yielding handsome rewards in the future. 
• Affordable Investment OptionInvesting in Aditya Birla Equity Fund doesn’t burn a big hole in your pocket. If you chose an SIP plan, then you can commence your investment right away at just Rs. 100.

Though getting desired results in the money market is a bit difficult, choosing the best funds like ABSL Equity Fund for your portfolio simplifies the process. And, with the help of MySIPonline, things can get much easier.  

How to Start Investment in HDFC Top 100 Fund with Rs 500?

HDFC Top 100 Fund is a large-cap focused equity scheme which invests approximately 99% assets in equity. As the scheme invests majorly in large-cap stocks, it brings stability and growth in the portfolio. The investors can generate risk-adjusted returns from this scheme over a long-term horizon as mentioned in the investment objective. Under the leadership of Prashant Jain since 2002, this scheme has maintained consistent performance and sustained the unfavourable markets as well. If you have Rs 500 to invest in mutual fund per month, then here are the points explaining why it is a suitable scheme to invest in.

Minimum SIP Amount

When you start investing in any mutual fund, the minimum investment amount is necessary. Every mutual fund has a limit to initiate investment either through SIP or lump sum mode of investment. When we look at the minimum amount to start an investment with HDFC Top 100 Fund, it is Rs 500 for SIP and Rs 5,000 for lump sum. From the minimum SIP amount, it is clear that you can easily start investing in this scheme. Apart from this, it is also the better approach than lump sum mode of investment to reduce the risk to lose the invested amount as SIP has the power to sustain volatility and provide risk-adjusted returns along with rupee-cost averaging and compounding benefits.

Time Horizon

If you are thinking to invest in HDFC TOP 100 Fund G for a short-term horizon, it is better to skip the investment in this scheme because the fund manager invests in equity securities to generate stable returns for a long-term horizon. So, if you are ready to invest in this scheme for a long-term horizon (5-years and more), it is a suitable scheme for your portfolio.

Expected Returns

Since inception, HDFC TOP 100 Fund growth has produced 19.84% annualized returns (as on 16th Jan 2019). Considering last 5, 7 and 10-years performance, it has generated around 14.94%, 14.42% and 18.18% annualised returns and outperformed both the benchmark and category’s average. Analysing the past performance and portfolio, you can expect higher returns from the scheme for a long-term horizon. With investment in this scheme, it is sure that your returns will be adequate to beat the returns generated from FD and savings bank deposits over time.

Zero Service Cost with MySIPonline

MySIPonline is an online mutual fund investment platform where you can get all the information about 22 AMCs and the schemes offered by them. You will also get top recommended fund list, tax calculator, SIP calculator, and free portfolio suggestions to choose the scheme. Amazingly, all the services offered by this platform is totally free. For starting investment in the mutual fund, you only have to register and complete the profile with us. After registering and completing the profile, you can consult with our experts and discuss your investment goal, risk-appetite, and expected rate of returns to get most suitable suggestions.

With MySIPonline, you can invest in HDFC Top 100 Fund with a minimum of Rs 500 through SIP and get relevant suggestions regarding your portfolio from time to time to make necessary changes. Still, if you have any doubt, you can contact our experts to get the most relevant solution for your investment problem.