Top 10 Mutual Fund Investments you should consider in 2017

Nutan Gupta

31 Jan 2017

There are a lot of mutual fund schemes available in the market for investing. However, it is a very challenging task to choose the best scheme among all the schemes. In the last few years, mutual funds have been considered as the best investment option for wealth creation. Investing in the right mutual fund schemes can improve the performance of your portfolio and give you exceptional returns.

Below are 10 mutual funds across different categories which have performed consistently over the years.

Large-cap Mutual Funds Category

Large-cap funds are the one which invest a significant proportion of their corpus in companies with a large market capitalisation.

SBI Blue Chip Mutual Fund

Launched in the year 2006, SBI Blue Chip Fund weights heavily on the financial services sector. The fund comes with an exit load of 1% if an investor wishes to exit before 1 year of investing. If he exits after 1 year, there is no exit load applicable. The total assets under management (AUM) of the fund stands at Rs. 10,105.45 crore as on 31st December, 2016. The fund is suitable for investors who want exposure to blue chip Indian companies from a medium to long term perspective.

Trailing Returns (%)
1-year 3-year 5-year 10-year
SBI Blue Chip Fund 8.01 19.33 19.76 9.82
Catogory 7.73 13.36 13.55 8.64

Reliance Top 200 Mutual Fund

Launched in the year 2007, Reliance Top 200 Fund invests 23.10% of its corpus in the banking sector. Managed by Sailesh Raj Bhan and Ashwani Kumar, the total assets under management of the fund stand at Rs. 2,338 crore as on 31st December, 2016. This fund is suitable for investors who are willing to take moderately high level of risk.

Trailing Returns (%)
1-year 3-year 5-year 10-year
Reliance Top 200 Fund 4.98 17.85 17.98 -
Catogory 7.73 13.36 13.55 -

Diversified or Multi-cap Category

Diversified or multi-cap funds are the one which invest across all the categories like large cap, mid-cap and small-cap stocks.

Birla Sun Life Equity Mutual Fund

Birla Sun Life Equity Fund was launched in the year 1998 and the fund has given returns of 24.50% since then. The objective of the scheme is long term growth of capital, through a portfolio with a target allocation of 90% equity and 10% debt and money market securities. Managed by Anil Shah, the total assets under management of the fund currently stand at Rs. 3,451 crore as on 30th November, 2016.

Trailing Returns (%)
1-year 3-year 5-year 10-year
Birla Sun Life Equity Fund 19.35 24.20 22.05 11.65
Catogory 8.36 18.02 16.92 10.71

ICICI Pru Value Discovery Mutual Fund

ICICI Pru Value Discovery Fund is an open-ended equity fund which adopts a bottom-up approach to identify and pick its investments. Managed by Mrinal Singh, the total assets under management of the fund stand at Rs. 14,919 crore as on 31st Secember, 2016. The fund was launched in the year 2004 and has given returns of 22.17% since then.

Trailing Returns (%)
1-year 3-year 5-year 10-year
ICICI Pru Value Discovery Fund 9.19 24.93 23.84 15.86
Catogory 10.19 18.25 16.89 10.90

Small & Mid-cap Category

The funds which invest in a mix of small-cap and mid-cap stocks come under the category of small and mid-cap funds.

HDFC Mid-cap Opportunities Mutual Fund

HDFC Mid-cap Opportunities Fund is an open-ended equity scheme which was launched in the year 2007. Managed by Chirag Setalvad, the total assets under management of the fund stand at Rs. 12,848 crore as on 31st December, 2016. The fund has given returns of 16.65% since its launch. The fund is suitable for investors who are willing to take a moderately high level of risk.

Trailing Returns (%)
1-year 3-year 5-year 10-year
HDFC Mid-cap Opportunities Fund 16.57 28.91 25.86 -
Catogory 9.33 24.65 21.82 -

SBI Small & Mid-cap Mutual Fund

Managed by R Srinivasan, SBI Small & Mid-cap Fund was launched in the year 2009. The fund has given returns of 19.17% since then. The fund is suitable for high-risk appetite investors. The total assets under management of the fund stands at Rs. 719 crore as on 31st December, 2016. The fund invests majority of its corpus in the consumer goods sector.

Trailing Returns (%)
1-year 3-year 5-year 10-year
SBI Small & Mid-Cap Fund 6.21 37.98 29.92 -
Catogory 11.06 32.15 26.50 -

Hybrid Category

Hybrid funds are the one which consist a mix of equity and debt.

HDFC Prudence Mutual Fund

HDFC Prudence Fund is an open-ended balanced scheme which was launched in the year 1994. Managed by Prashant Jain, the total assets under management of the fund stands at Rs. 14,953 crore as on 31st December, 2016. The fund has a total of 94 stocks in its portfolio and has a higher exposure to the financial sector.

Trailing Returns (%)
1-year 3-year 5-year 10-year
HDFC Prudence Fund 15.08 19.95 17.11 13.90
Catogory 9.59 15.66 14.65 10.29

ICICI Prudential Balanced Mutual Fund

ICICI Prudential Balanced Fund was launched in the year 1999 and has given returns of 14.72% since its launch. The fund seeks to optimize the risk-adjusted return by distributing assets between both equity and debt markets. Managed by Atul Patel, Manish Banthia and Sankaran Naren, the total assets under management of the fund stands at Rs. 5,098 crore as on 31st December, 2016.

Trailing Returns (%)
1-year 3-year 5-year 10-year
ICICI Prudential Balanced Fund 18.26 19.97 19.42 11.86
Catogory 9.59 15.66 14.65 10.29

ELSS Category

The funds in the equity linked savings scheme (ELSS) category are eligible for a tax deduction of up to Rs. 1.5 lakh under section 80C of the Income Tax Act. ELSS funds come with a lock-in period of three years.

Birla Sun Life Tax Relief 96

Launched in the year 1996, Birla Sun Life Tax Relief 96 has given returns of 25.34% since its inception. The fund has a total of 51 stocks in its portfolio. Managed by Ajay Garg, the total assets under management (AUM) of the fund currently stands at Rs. 2,358 crore.

Trailing Returns (%)
1-year 3-year 5-year 10-year
Birla Sun Life Tax Relief 96 7.53 21.52 20.95 10.98
Catogory 9.39 18.85 17.40 9.91

Reliance Tax Saver Mutual Fund

Launched in the year 2005, Reliance Tax Saver Fund has given returns of 14.85% since its inception. The fund has outperformed its category returns over a longer period of time. Managed by Ashwani Kumar, the fund has a total of 57 stocks in its portfolio. The total assets under management of the fund currently stand at Rs. 5,882 crore.

Trailing Returns (%)
1-year 3-year 5-year 10-year
Reliance Tax Saver Fund 10.03 25.12 22.81 12.48
Catogory 9.39 18.85 17.40 9.91

Source: Ace Equity

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Why to Choose Mutual Funds Instead of Directly Investing Into Equities?

Whether to invest in equities or mutual funds is a question that has plagued every investor. As someone who needs the best value for his/her investment should you invest in equity directly or via mutual funds?

Let’s start by first understanding what these two terms ‘equities’ and ‘mutual funds’ stand for-

Equities- Equities generally represent ownership of a company. If you own any equity in a company, you are a part owner of the said company (depending on how much equity you own).

Mutual Funds – It is an investment scheme which is professionally managed by an asset management company. It pools together the resources of a group of people and invests their money in equities, debentures, bonds and other securities.

Why choose mutual funds over equities?

For people who’ve never invested in either stocks or mutual funds, it is hard to know which is better and where to start. Broadly speaking, if you are a novice investor, mutual funds are not only less risky but also way easier to manage. Here are some ways in which investing in mutual funds is beneficial as opposed to investing in equities -

Diversification

Mutual funds provide more diversification as compared to an individual equity stock. When you invest in equity, you are investing in a single company which has its inherent risk. For example, if you invest Rs.20,000 in buying equities of one company, you could face a total loss if that particular company performs poorly in the market.  

If you invest the same amount in mutual funds, it will be invested in different kinds of stocks and financial instruments, high-risk and low-risk both, so you might not face total loss even if one company does poorly.

Scale of Investment and Lower Costs

For an individual investor buying and selling stocks is a difficult task due to its high price. Thus, any gains made from stock appreciation are nullified if the overall trading costs are considered. Comparatively with mutual funds, as the money is pooled from a large number of investors, the cost per individual is lowered.  

Another advantage of mutual funds is that you don’t need to invest large sums of money. Buying equities for a profitable venture needs huge amounts of money, a minimum of few lakhs. With mutual funds, you can start with Rs.1000 and earn profits on that as well.

Convenience

Keeping an eye on the markets everyday is a time-consuming business, especially if you are investing as a side gig. There are people who spend their lives studying the market and still end up sustaining heavy losses. Though investing in mutual funds does not guarantee high returns, it is stress-free and needs less work as compared to investing in equities.

To sum it up

It is important to remember that mutual funds have their own disadvantages as well. Thus, as with any financial decision, educating yourself and understanding the suitability of all the available options is the ideal way to invest. 


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Top 10 Mutual Fund Investments you should consider in 2017

Nutan Gupta

31 Jan 2017

There are a lot of mutual fund schemes available in the market for investing. However, it is a very challenging task to choose the best scheme among all the schemes. In the last few years, mutual funds have been considered as the best investment option for wealth creation. Investing in the right mutual fund schemes can improve the performance of your portfolio and give you exceptional returns.

Below are 10 mutual funds across different categories which have performed consistently over the years.

Large-cap Mutual Funds Category

Large-cap funds are the one which invest a significant proportion of their corpus in companies with a large market capitalisation.

SBI Blue Chip Mutual Fund

Launched in the year 2006, SBI Blue Chip Fund weights heavily on the financial services sector. The fund comes with an exit load of 1% if an investor wishes to exit before 1 year of investing. If he exits after 1 year, there is no exit load applicable. The total assets under management (AUM) of the fund stands at Rs. 10,105.45 crore as on 31st December, 2016. The fund is suitable for investors who want exposure to blue chip Indian companies from a medium to long term perspective.

Trailing Returns (%)
1-year 3-year 5-year 10-year
SBI Blue Chip Fund 8.01 19.33 19.76 9.82
Catogory 7.73 13.36 13.55 8.64

Reliance Top 200 Mutual Fund

Launched in the year 2007, Reliance Top 200 Fund invests 23.10% of its corpus in the banking sector. Managed by Sailesh Raj Bhan and Ashwani Kumar, the total assets under management of the fund stand at Rs. 2,338 crore as on 31st December, 2016. This fund is suitable for investors who are willing to take moderately high level of risk.

Trailing Returns (%)
1-year 3-year 5-year 10-year
Reliance Top 200 Fund 4.98 17.85 17.98 -
Catogory 7.73 13.36 13.55 -

Diversified or Multi-cap Category

Diversified or multi-cap funds are the one which invest across all the categories like large cap, mid-cap and small-cap stocks.

Birla Sun Life Equity Mutual Fund

Birla Sun Life Equity Fund was launched in the year 1998 and the fund has given returns of 24.50% since then. The objective of the scheme is long term growth of capital, through a portfolio with a target allocation of 90% equity and 10% debt and money market securities. Managed by Anil Shah, the total assets under management of the fund currently stand at Rs. 3,451 crore as on 30th November, 2016.

Trailing Returns (%)
1-year 3-year 5-year 10-year
Birla Sun Life Equity Fund 19.35 24.20 22.05 11.65
Catogory 8.36 18.02 16.92 10.71

ICICI Pru Value Discovery Mutual Fund

ICICI Pru Value Discovery Fund is an open-ended equity fund which adopts a bottom-up approach to identify and pick its investments. Managed by Mrinal Singh, the total assets under management of the fund stand at Rs. 14,919 crore as on 31st Secember, 2016. The fund was launched in the year 2004 and has given returns of 22.17% since then.

Trailing Returns (%)
1-year 3-year 5-year 10-year
ICICI Pru Value Discovery Fund 9.19 24.93 23.84 15.86
Catogory 10.19 18.25 16.89 10.90

Small & Mid-cap Category

The funds which invest in a mix of small-cap and mid-cap stocks come under the category of small and mid-cap funds.

HDFC Mid-cap Opportunities Mutual Fund

HDFC Mid-cap Opportunities Fund is an open-ended equity scheme which was launched in the year 2007. Managed by Chirag Setalvad, the total assets under management of the fund stand at Rs. 12,848 crore as on 31st December, 2016. The fund has given returns of 16.65% since its launch. The fund is suitable for investors who are willing to take a moderately high level of risk.

Trailing Returns (%)
1-year 3-year 5-year 10-year
HDFC Mid-cap Opportunities Fund 16.57 28.91 25.86 -
Catogory 9.33 24.65 21.82 -

SBI Small & Mid-cap Mutual Fund

Managed by R Srinivasan, SBI Small & Mid-cap Fund was launched in the year 2009. The fund has given returns of 19.17% since then. The fund is suitable for high-risk appetite investors. The total assets under management of the fund stands at Rs. 719 crore as on 31st December, 2016. The fund invests majority of its corpus in the consumer goods sector.

Trailing Returns (%)
1-year 3-year 5-year 10-year
SBI Small & Mid-Cap Fund 6.21 37.98 29.92 -
Catogory 11.06 32.15 26.50 -

Hybrid Category

Hybrid funds are the one which consist a mix of equity and debt.

HDFC Prudence Mutual Fund

HDFC Prudence Fund is an open-ended balanced scheme which was launched in the year 1994. Managed by Prashant Jain, the total assets under management of the fund stands at Rs. 14,953 crore as on 31st December, 2016. The fund has a total of 94 stocks in its portfolio and has a higher exposure to the financial sector.

Trailing Returns (%)
1-year 3-year 5-year 10-year
HDFC Prudence Fund 15.08 19.95 17.11 13.90
Catogory 9.59 15.66 14.65 10.29

ICICI Prudential Balanced Mutual Fund

ICICI Prudential Balanced Fund was launched in the year 1999 and has given returns of 14.72% since its launch. The fund seeks to optimize the risk-adjusted return by distributing assets between both equity and debt markets. Managed by Atul Patel, Manish Banthia and Sankaran Naren, the total assets under management of the fund stands at Rs. 5,098 crore as on 31st December, 2016.

Trailing Returns (%)
1-year 3-year 5-year 10-year
ICICI Prudential Balanced Fund 18.26 19.97 19.42 11.86
Catogory 9.59 15.66 14.65 10.29

ELSS Category

The funds in the equity linked savings scheme (ELSS) category are eligible for a tax deduction of up to Rs. 1.5 lakh under section 80C of the Income Tax Act. ELSS funds come with a lock-in period of three years.

Birla Sun Life Tax Relief 96

Launched in the year 1996, Birla Sun Life Tax Relief 96 has given returns of 25.34% since its inception. The fund has a total of 51 stocks in its portfolio. Managed by Ajay Garg, the total assets under management (AUM) of the fund currently stands at Rs. 2,358 crore.

Trailing Returns (%)
1-year 3-year 5-year 10-year
Birla Sun Life Tax Relief 96 7.53 21.52 20.95 10.98
Catogory 9.39 18.85 17.40 9.91

Reliance Tax Saver Mutual Fund

Launched in the year 2005, Reliance Tax Saver Fund has given returns of 14.85% since its inception. The fund has outperformed its category returns over a longer period of time. Managed by Ashwani Kumar, the fund has a total of 57 stocks in its portfolio. The total assets under management of the fund currently stand at Rs. 5,882 crore.

Trailing Returns (%)
1-year 3-year 5-year 10-year
Reliance Tax Saver Fund 10.03 25.12 22.81 12.48
Catogory 9.39 18.85 17.40 9.91

Source: Ace Equity

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