Uti Investment Bond Fund Investment Manager: Fill & Download for Free

“MUTUAL FUND WERE CREATED TO MAKE INVESTING EASY ,SO CONSUMERS WOULDN’T HAVE TO BE BURDENED WITH PICKING INDIVIDUAL STOCKS” -scoot d cook (co-founder of intuit)first of all thanks to asking a very important question ,i feel very honoured and happy to giving my view.one think i’ll be clear humble way i am loyal for our loving viewer so my 100% effort to make benefit for them, as well as i’m not supporting or criticizing any fund house or company. .lets come to answer .my answer divided in to six sub category.1.definition of mutual fund 2. type of mutual fund and explaning some category 2(a) some unknown facts about mutual funds 3. why we invest on mutual funds and its benefits 4. facts with historical data 5. top funds with returns 6 . conclusion.Mutual Fund DefinitionA mutual fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, money market instruments, and other assets. Mutual funds are operated by professional.2. TYPE OF MUTUAL FUNDMutual funds are mainly divided in four category (a) equity fund (b) debt funds (c) hybrid funds (d) solution funds .Mutual funds are divided by there management . (a ) actively managed fund {above in pic all funds are actively managed fund} (b) passively managed fund {low cost index fund}some amazing facts on mutual funds .BY PERIODICALLY INVESTING IN AN INDEX FUND THE KNOW- NOTHING INVESTORS CAN ACTUALLY OUTPERFORM MOST INVESTMENT PROFESSIONAL - warren buffetlast 200 years return of s&p 500 gold ,bond ,bill currency , in USA market.last fourty year sensex return apporx 16.1 %.last 20 year nifty return 13.1%. approxmately.IN last 40 year only 15/265 actively managed fund outperform sensex 16.1% or only 5.66% fund outperform index.last 15 year only 84% fund don’t beat there benchmark.last 5 year only 68% actively managed fund don’t beat there benchmark.compound interest is 8th wounder in world.if you invest 10000 in 1979 the three class ,returns you make overBEST MUTUAL FUNDS IN THERE CATG-last 10 year returns with benchmark.,conclusion-Past performance don’t guarantee the future performance .over long period of time low cost index fund beat most funds,for wealth creation in long term.i believe in growth of economy so in my opinion invest in index fund .most actively managed fund exp ratio(management fee) 1%–2% and most index fund exp ratio less than .5%. even some fund expenses ratio is .1% like UTI INDEX fund .etf is also good option for long term investment.viewers are agree or disagree but don;t denies the facts .sourceBusiness News Live, Share Market News - Read Latest Finance News, IPO, Mutual Funds NewsBusiness News, Stock/Share Market Investment, Live BSE/NSE Sensex & Nifty, Mutual Funds, Commodity Market, Finance Portfolio Investment/Management, Startup news India, Financial News - Moneycontroland some others sourcesthank you happy investing .for any suggestion or quarry contact [email protected] for my website ,due to some personal reasons ,very soon i’ll publish articals on personal finance ,equity market ,self improvement.and other important topics..https://anewasset.wordpress.com/

Both are different versions of the same theory or rather the same theory stated from different angles. Theory 2 also says that you should invest 100 % of spare funds in equity.Let us re-frame this question as:“Should one put one’s entire spare money in Stocks?”It will depend upon your what your needs will be and when.HOW TO SAVE RS.10 CRORE“A 30- year old, spending Rs. 50,000 per month now, will need this amount at 60 ” Times of India (13th June 2016).The article explains how to build a corpus of Rs 10 crore which will be needed to handle your expenditure when your pay cheques stop coming. Monthly expenses of Rs. 60000 today will balloon up to Rs. 4.6 lac after 30 years at an inflation rate of 7 %. To sustain those expenses for 20 years in retirement you need a corpus of Rs. 9 crore, it says. It warns that the healthcare expenses will grow faster than the inflation and the actual corpus needed may be more. It advises to start saving as early as possible, that monthly surplus of Rs. 15000-20000 to build that kind of corpus.I will therefore extrapolate your question a bit more – from 10-20 years to 20-30 years.It will be enlightening to see the magic of compounding. If one invests Rs. 10000 every month and increase the investment by 10% every year as his income grows, if he can find an investment generating 14% per year, his corpus after 30 years would grow to Rs. 10 crore. A higher investment will generate proportionately higher corpus.One must keep the impact of inflation, about 5 – 6 %, on return from investment. It will reduce the real return by 5 to 6%.The second important factor is taxation. As the corpus grows and the annual return rises, one comes in the top bracket and one third income is taken away by tax.Where should one invest?Let us compare the following options1. Forget the Insurance policies. These are THE WORST OPTION.2. Bank Fixed Deposits, Bonds3. Gold and Gold Bonds4. Stocks and Mutual Funds (THE BEST OPTION)5. Buying a house or Plot (THE BEST OPTION)1. The WORST OPTION - Life Insurance (endowment plans)–Mixing Insurance with investment and Buying Endowment Life Insurance is the WORST DECISION. These give 5% post tax returns or NEGATIVE RETURNS after inflation.If insurance is the aim one should instead go for TERM PLAN Insurance – which is much more economical option with similar benefits. A cover of Rs One crore is available for about Rs ten thousand per year. Check comparative premiums, claim settlement record, additional riders and go ahead. Younger the age of entry lesser is the premium.2. Bank Fixed Deposits, Bonds, Debt Funds, NSC: Taxable return 8% - (post tax 5 to 6 %) - Negative return after inflation. Data shows that majority of people withdraw from savings within two years. Lump sum expenses like education, vacation, buying a nice car, medical expenses, marriage etc keep eating in to these regular savings.Savings should be deployed in more efficient avenues.PPF, interest rate 8.5-8.7 %, TAX FREE is a good option. But it has long maturity period (15 years). (There are part withdrawal options after 5 years)3. SOVEREIGN GOLD BONDS (SGB)- issued by RBI are better option than physical gold. Gold has given 8-9 % return in long term. These earn interest @2.75% over and above the capital appreciation. No risks and costs of storage. No making charges and purity issues. No tax on capital gains.(https://www.rbi.org.in/scripts/FAQView.aspx?Id=109).4. Mutual Funds: They have dedicated research teams, have SEBI and a host of other agencies monitoring them. They have a pressure to perform.All this comes at very reasonable cost of around 2 % per year, further reduced to around 1% if you choose the direct investment route.TAX BENEFITS- Units redeemed after 12 months are exempt from capital gains tax. Dividend income is Tax Free too.(Our PM has mentioned that this exemption will be withdrawn soon. It may be done in the coming budget)One can redeem all or part of your investment any time at the current NAV value.Systematic Investment Plan (SIP) is the best way to invest. A fixed sum is invested every month. More units are bought when the price is low and fewer units when the price is high. This reduces the impact of market volatility. You can update/cancel SIP anytime.HOW TO BUY MUTUAL FUNDS:SEBI has prescribed certain requirements relating to KYC "Know Your Client". This entails In-Person Verification (IPV), verification of identity and address, financial status, occupation etc.Click on the following link to know how to invest in MF: Know Your Client (KYC)- Birla Sun Life Mutual FundDIRECT PLANS: Investors can now directly invest in mutual fund schemes without involving distributors or brokers. They need to visit AMC website. There would not be any distribution fees. Due to this, expense ratio would be lower and returns higher between 0.5% to 1.5% p.a., as compared to regular plans.For buying Mutual Funds directly VISIT THE WEBSITE OF THE CONCERNED AMC Asset Management Company, like Birla Sun Life, DSP Blackrock, Franklin Templeton, Reliance Mutual Fund, Axis Mutual Fund, HDFC Mutual Fund, SBI Mutual Fund, etcTop ranked balanced funds are; Birla, Franklin, HDFC & L&TDiversified Equity Funds enjoying high rankings are ICICI Value discovery, L&T Value Fund, Principal Emerging Blue chip, SBI Multi Cap, UTI MNC, Birla AdpvantageTop Ranking Large Cap funds are :- Birla Frontline, Birla Top 100, Kotak Select Focus, SBI Blue chip,Small and mid cap funds with high ranks are DSP Micro Cap, Franklin Smaller Companies, Mirae Asset Emerging Blue Chiphttp://www.crisil.com/capital-markets/crisil-mf-ranking-list.html#div-equity-fundThese have been ranked on the base of Mean Return, Volatility, Industry Concentration, Company Concentration and LiquidityTop Performance Return Wise are given at the link TopFunds - Mutualfundindia.comPerformance of some top Crisil Ranked Funds is heartwarming. Their research teams and fund managers are doing a really creditable job. It is best to leave our investments in their safe and expert hands. One must choose the Direct Investment route instead through an adviser. It will boost our investment return by about 1% annually.Some good Equity Mutual Funds in different categories and their approx compounded annual returns in previous 3 years are mentioned below. However this return is a dynamic figure and one must check most up to date figure.Large Cap Funds . compounded annual returns in previous 3 yearsSBI Blue Chip Fund (Direct)… …………………………25.7 % (Crisil Rank 1)Birla SL Frontline Equity (G) Direct…………….… 22.7 % (Crisil Rank 1)Birla Sun Life Top 100 (G) Direct …………………23.4 % (Crisil Rank 1)Kotak Select Focus Fund – Direct …. ………..… 28.0 % (Crisil Rank 1)Franklin India Oppor. (G) -Direct ………………………….. 23.7 % (Crisil Rank 1)Balanced Funds -- compounded annual returns in previous 3 yearsHDFC Balanced Fund (Direct) ----- 25% (Crisil Rank 1)DSP Blackrock (Direct) --------------------- 23%Birla Sun life Balanced 95 (Direct) ------- 22.6 %Tata Balanced Fund - Direct ------------------22%L&T India Prudence Fund (G) Direct --------22%SBI Magnum Balanced – Direct --------------23.5%Small Cap Funds –--compounded annual returns in previous 3 yearsDSP-BR Micro Cap Fund - RP -------53.3 % (Crisil Rank 1)Franklin (I) Smaller Cos (G) -----------43.4 % (Crisil Rank 1)Mirae Emerging Bluechip Fund (G) 44.5 % (Crisil Rank 1)Diversified Equity Funds -compounded annual returns in previous 3 yearsICICI Pru Exp&Other Services-RP (G) ------ 33.3 % (Crisil Rank 1)L&T India Value Fund (G) ----------------------35.1 % (Crisil Rank 1)Principal Emerging Bluechip(G) --------------39.7 % (Crisil Rank 1)ELSS Funds ---- compounded annual returns in previous 3 yearsBirla SL Tax Relief 96 (G) Direct ----------------30.1 % (Crisil Rank 1)Reliance Tax Saver -Direct---------------------- 34.1% (Crisil Rank 3)SBI Tax Advantage Sr 1 –Direct -------------- 28 % (Crisil Rank 1){Investment in ELSS (Equity Linked Savings Scheme)is deductible from taxable income under section 80 C within the overall limit of Rs 1,50,000. There is a lock in period of 3 years}A word of caution: Past performance is not a guarantee of future performance. Equity based funds are subject to market risks. Be advised to carefully study all the related information before investing in these schemes.Some of the web site - moneycontrol, mutualfundindia, nseindiahttp://www.sebi.gov.in/faq/mf_faq.html5. Buy a plot or houseA piece of land matches/beats returns from Stocks and Mutual Funds. But it needs large funds to buy it and investment is quite illiquid. THAT makes it better than stocks/Mutual Funds. You cannot sell it easily when it appreciates a lot. You cannot sell a part of it as in the case of Mutual Funds. Your investment stays and grows. The compounding can be seen taking effect in this and not in Mutual Funds/ stocks where the temptation to book profits it too big to resist.DisclaimerThis may not be treated as an official advice from an expert. I am an investor myself and and speaking from personal experience and study.I hope I have been able to answer your questions. Please feel free to ask for any further details.

UTI is just one of the MF Asset Management Company (AMC)…However you have multiple AMCs where you can invest your money .Broad categorisation may be of below,Equity Only - Large/Multi/Mid/SmallBalanced (Equity+Debt+Bonds)Debt OnlyBondsShort Term Liquid FundsSo depending on your risk appetite you can choose any one of the above. Do your searches in MoneyControl and ValueSearch websites to get to know of better MFs based on their returns.That said , go with DIRECT GROWTH FUNDS and in case if you really need assistance on your MF investments , then as a least option you can select ‘REGULAR FUNDS’ which I dont prefer though.In case of maintaining all port folios in one single platform, you can go with ,https://www.mfuindia.com/Buy Mutual Funds Online, Track MF Portfolio, Mutual Funds in IndiaAbove ones are best single platforms to maintain all your MF portfolios at one place rather than going with separate logins on each AMCs website.