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Mutual Funds are good Investment bet

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Movements in stock markets can be deceptive if not inspected closely. Today, most would believe that equities markets have not gone anywhere in the last five years. And they have reasons for it. Interestingly, though indices are yet to cross the high in January 2008, there are investors who remained invested in equities and have seen their money grow. A look at the numbers provided by Value Research, a mutual fund tracking entity highlight this point.


Multicap equity funds, as a category, have given 16.10% returns in the last five years. But you may ask what about those investors who entered the market at the top? Here is the low-down: if a person had invested Rs 1000 per month from January 2008 in Goldman Sachs Nifty BEES, an ETF that tracks CNX Nifty, by now he must have invested Rs70000 and the valuation of which stands at Rs 85,185. So he has not lost money for sure in equities in the last five years. The above numbers highlight the ability of the amutual funds to make money for you, if and only if you have been patient and consistent in equity markets. If you are invested in a good scheme then the possibility of you making money surely rises. A systematic plan, which may seem dull and boring for many, can help you build a solid equity portfolio, which would reward you over a long period of time. Hence, instead of investing big sum, it is the time to believe in the Systematic Investment Plan (SIP) mantra.


Indian mutual funds have made money for equity investors over long period of time. You can consult your financial advisors to pick right funds. You can also use various portals that offer information about various schemes launched by mutual funds and rate them. You should ideally build a mutual fund portfolio that primarily comprises large cap oriented funds and should have some allocation, say up to 20% to mid and small cap oriented funds to start with it. Do not invest in more than five schemes at a time and go for schemes with long-term track records and good rating.


If you have a favourable view on a particular sector, you may also choose to invest in a sector fund. But do not forget that the sectoral funds come with high risks and if you do not have any understanding of the sector, better avoid them. You can also use the mutual funds to invest in overseas equities. Last year schemes investing in shares listed on the American stock exchanges did extremely well, both due to growth expectations of the USA economy and the falling rupee against the US dollar. But do not invest all your money looking at this shortterm performance. You should invest in international equity funds to bring in some meaningful diversification to your portfolio.


If you have large sum to invest, say your Diwali bonus, you may choose to invest the money in a liquid fund and then transfer the same gradually in an equity fund using systematic transfer plan. Use mutual funds to own equities in a staggered manner, which will help you to participate in upward movements in shares prices over the next three to five years. There will be volatile phases in between but do not lose patience and continue with your SIP. In the long-term there is a high likelihood that you will emerge a winner.

Happy Investing!!

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You can write back to us at PrajnaCapital [at] Gmail [dot] Com

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Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.

Invest Tax Saving Mutual Funds Online

Tax Saving Mutual Funds Online

These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving)

Download Tax Saving Mutual Fund Application Forms from all AMCs

Download Tax Saving Mutual Fund Applications

These Application Forms can be used for buying regular mutual funds also

Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds )

  1. ICICI Prudential Tax Plan Invest Online
  2. HDFC TaxSaver Invest Online
  3. DSP BlackRock Tax Saver Fund Invest Online
  4. Reliance Tax Saver (ELSS) Fund Invest Online
  5. Birla Sun Life Tax Relief '96 Invest Online
  6. IDFC Tax Advantage (ELSS) Fund Invest Online
  7. SBI Magnum Tax Gain Scheme 1993 Invest Online
  8. Sundaram Tax Saver Invest Online
  9. Edelweiss ELSS Invest Online

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Best Performing Mutual Funds

    1. Largecap Funds Invest Online
      1. DSP BlackRock Top 100 Fund
      2. ICICI Prudential Focused Blue Chip Fund
      3. Birla Sun Life Front Line Equity Fund
    2. Large and Midcap Funds Invest Online
      1. ICICI Prudential Dynamic Plan
      2. HDFC Top 200 Fund
      3. UTI Dividend Yield Fund
    1. Mid and SmallCap Funds Invest Online
      1. Reliance Equity Opportunities Fund
      2. DSP BlackRock Small & Midcap Fund
      3. Sundaram Select Midcap
      4. IDFC Premier Equity Fund
    1. Small and MicroCap Funds Invest Online
      1. DSP BlackRock MicroCap Fund
    1. Sector Funds Invest Online
      1. Reliance Banking Fund
      2. Reliance Banking Fund
    1. Tax Saver MutualFunds Invest Online
      1. ICICI Prudential Tax Plan
      2. HDFC Taxsaver
      3. DSP BlackRock Tax Saver Fund
      4. Reliance Tax Saver (ELSS) Fund
    2. Gold Mutual Funds Invest Online
      1. Relaince Gold Savings Fund
      2. ICICI Prudential Regular Gold Savings Fund
      3. HDFC Gold Fund

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