Investing in International Funds

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The reason you should consider global investments is that by spreading your money among several markets, you achieve what stock market theorists have been propounding for years-diversification and hedging risk by spreading it across a mix of assets and markets. However, investing in international funds is tricky because each fund is radically different from the other in its investment mandate and portfolio composition.

 

Currently, three types of global funds are available: those that allow direct investing into global markets; funds that use the feeder route to invest in an existing global fund; and lastly, fund of funds that invest in several funds to achieve international exposure. Some funds have geographical focus and some invest in a sector or a theme such as agriculture or commodities. You need to decide on the kind of exposure you need to invest. There are also funds that have a domestic and international exposure such as Templeton India Equity Income or Birla Sun Life International Equity. Both are equity diversified offerings and completely unbiased towards any sector, theme, asset or region. Another aspect that you should be aware of is the tax implication when investing in international funds, funds with less than 65 per cent domestic equity exposure are taxed as debt funds, which means short term and long term gains tax applies.

Happy Investing!!

We can help. Call 0 94 8300 8300 (India)

Leave your comment with mail ID and we will answer them

OR

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

---------------------------------------------

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 PlanInvest Online
2. HDFC TaxSaverInvest Online
3. DSP BlackRock Tax Saver FundInvest Online
4. Reliance Tax Saver (ELSS) FundInvest Online
5. Birla Sun Life Tax Relief '96 Invest Online
6. IDFC Tax Advantage (ELSS) FundInvest Online
7. SBI Magnum Tax Gain Scheme 1993Invest Online
8. Sundaram Tax SaverInvest Online
9. Edelweiss ELSS Invest Online

------------------

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
2. 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
3. Small and MicroCap Funds Invest Online

1. DSP BlackRock MicroCap Fund
4. Sector Funds Invest Online

1. Reliance Banking Fund
2. Reliance Banking Fund
5. Tax Saver MutualFundsInvest Online
1. ICICI Prudential Tax Plan
2. HDFC Taxsaver
3. DSP BlackRock Tax Saver Fund
4. Reliance Tax Saver (ELSS) Fund
6. Gold Mutual Funds Invest Online

1. Relaince Gold Savings Fund
2. ICICI Prudential Regular Gold Savings Fund
3. HDFC Gold Fund

Franklin India Taxshield

Invest In Tax Saving Mutual Funds Online

Download Tax Saving Mutual Fund Application Forms

Buy Gold Mutual Funds

Call 0 94 8300 8300 (India)

 

This fund maintains a quality portfolio of large-cap orientation. The fund manager adheres to a bottom-up investment approach and looks for companies whose current market price does not reflect future growth prospects. Investments are in companies that can drive future earnings growth. Stocks are selected based on the company's financial strength, management's expertise, growth potential within the industry, and the industry's growth potential.

 

The portfolio is well-diversified across sectors and market capitalisation and follows a blend of value and growth style of investing. The fund follows a predominantly large-cap allocation of over 70 per cent, with small-cap allocation never exceeding 10 per cent since inception.

 

Performance

The fund doesn't deviate much from the average in terms of performance and is among the least volatile funds in its category. Its ability to stem the downside is its trump card. For instance, in 2008 and 2011, this fund managed to check the slide far better than the category average and the benchmark.

 

What favours this fund's performance is the large-cap exposure it has in quality stocks such as Infosys, Grasim Industries, L&T, and Reliance Industries. From time to time, the fund manager does take exposure to mid-cap stocks such as Cummins India, Ipca Laboratories and Eicher Motors which helped its performance in 2012.

 

However, this fund loses out when the markets start rising. During the market rallies in 2007 and 2009, this fund delivered slightly lower than the category average. Likewise, in 2012, it fell short of the category average when the overall markets surged. It is for this reason that this fund does not fall within the top performing funds when the markets rise, but makes up for this flaw when they fall, making it a worthy investment during the tough times. In the long run, this fund does reward investors over a full market cycle.

Happy Investing!!

We can help. Call 0 94 8300 8300 (India)

Leave your comment with mail ID and we will answer them

OR

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

---------------------------------------------

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 PlanInvest Online
2. HDFC TaxSaverInvest Online
3. DSP BlackRock Tax Saver FundInvest Online
4. Reliance Tax Saver (ELSS) FundInvest Online
5. Birla Sun Life Tax Relief '96 Invest Online
6. IDFC Tax Advantage (ELSS) FundInvest Online
7. SBI Magnum Tax Gain Scheme 1993Invest Online
8. Sundaram Tax SaverInvest Online
9. Edelweiss ELSS Invest Online

------------------

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
2. 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
3. Small and MicroCap Funds Invest Online

1. DSP BlackRock MicroCap Fund
4. Sector Funds Invest Online

1. Reliance Banking Fund
2. Reliance Banking Fund
5. Tax Saver MutualFundsInvest Online
1. ICICI Prudential Tax Plan
2. HDFC Taxsaver
3. DSP BlackRock Tax Saver Fund
4. Reliance Tax Saver (ELSS) Fund
6. Gold Mutual Funds Invest Online

1. Relaince Gold Savings Fund
2. ICICI Prudential Regular Gold Savings Fund
3. HDFC Gold Fund

ICICI Prudential Tax Plan

Invest In Tax Saving Mutual Funds Online

Download Tax Saving Mutual Fund Application Forms

Buy Gold Mutual Funds

Call 0 94 8300 8300 (India)

 

This is a large-cap fund with about 65 per cent exposure in large-caps and rest in mid-caps. The fund manager takes a 3- to 5-year investment timeframe with investments across market capitalisation. Investments are in stocks with potential of long-term growth and appreciation. There is no restriction on how much can be invested in a stock or sector, which occasionally leads to high allocation to a single stock or sector.

 

The fund management style is slightly contrarian and value-focussed rather than momentum-focussed. Investments are mostly in stocks that are accumulated when the valuations are attractive. The fund manager also exits stocks which have outperformed the benchmark significantly before they move to the overvalued zone.

 

Performance

This fund handsomely rewards investors who stay invested for long. In recent years, it has done well by maintaining a portfolio of quality large-cap stocks such as Infosys, ICICI Bank and Reliance Industries. This has stabilised its performance and helped post better returns. In 2011, the fund was able to curtail the fall with its aggressive bets in healthcare sector on stocks like Cipla and Divi's Laboratories, which helped cushion the fall. In 2012, its performance improved with mid-cap bets such as Orient Paper & Industries, Precot Meridian and Cadila Healthcare.

 

The fund manager stays well-invested in all market cycles with cash holdings rarely exceeding 10 per cent. A diversified portfolio with the large-cap tilt has helped bring stability and capitalise on opportunities present across market caps.

Investments in sectors such as energy, engineering, financial and healthcare account for over 60 per cent of the assets and have enabled this fund to do well. In years when the markets are in a bear phase, the fund manages to curtail the fall with its aggressive bets in healthcare sector. However, investors should be cautious of the high turnover ratio of this fund.

Happy Investing!!

We can help. Call 0 94 8300 8300 (India)

Leave your comment with mail ID and we will answer them

OR

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

---------------------------------------------

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 PlanInvest Online
2. HDFC TaxSaverInvest Online
3. DSP BlackRock Tax Saver FundInvest Online
4. Reliance Tax Saver (ELSS) FundInvest Online
5. Birla Sun Life Tax Relief '96 Invest Online
6. IDFC Tax Advantage (ELSS) FundInvest Online
7. SBI Magnum Tax Gain Scheme 1993Invest Online
8. Sundaram Tax SaverInvest Online
9. Edelweiss ELSS Invest Online

------------------

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
2. 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
3. Small and MicroCap Funds Invest Online

1. DSP BlackRock MicroCap Fund
4. Sector Funds Invest Online

1. Reliance Banking Fund
2. Reliance Banking Fund
5. Tax Saver MutualFundsInvest Online
1. ICICI Prudential Tax Plan
2. HDFC Taxsaver
3. DSP BlackRock Tax Saver Fund
4. Reliance Tax Saver (ELSS) Fund
6. Gold Mutual Funds Invest Online

1. Relaince Gold Savings Fund
2. ICICI Prudential Regular Gold Savings Fund
3. HDFC Gold Fund

Change in PPF Interest Rate and its impact on your savings

Invest In Tax Saving Mutual Funds Online

Download Tax Saving Mutual Fund Application Forms

Buy Gold Mutual Funds

Call 0 94 8300 8300 (India)

Change in PPF rate and its impact on your savings

 

THE new rates for various small savings instruments have been revised from the start of the financial year 2013-14 and in this light, it is now necessary for individuals to go and review the overall situation. This is important from the point of view of making a decision about investments that they need to make in the current financial year. One such instrument is the public provident fund (PPF) and here too, the rate has been reduced slightly just like other instruments. Here is a close look at how this stacks up with respect to the other available options and how individuals should consider this in their investment portfolio.

Overall change:

PPF is a 15-year investment option that is suitable for long-term investing because of the length of time that it is in operation. After the initial completion of the 15-year period, the investment can be increased in blocks of five years without any restriction on the number of hikes. The rate of interest in 2012-13 on the instrument was 8.8 per cent, which has been reduced to 8.7 per cent with effect from April. The benefit of this instrument is that the returns are tax-free and are compounded, which builds up over a period of time. The other point is that the entire investment will witness the changed interest rate when they are applicable and not just the additional amount invested.

Position:

The first thing to understand with respect to the change in the interest rates is that the actual quantum of the change is marginal, and not very high. There is a reduction of just 0.1 per cent in the rate to 8.7 per cent, so in this sense, this is not very significant though it definitely makes an impact over a longer term on a compounded basis. Now the next part is to actually look at the other options that are available in the market and then see whether this is better than the rates available elsewhere. A look at the other options in the market shows that even the tax-free bonds, which can be called direct competitors because of the nature of the returns, did not offer more than 7.75 per cent return for small investors, which clearly puts the PPF ahead. The other aspect is that other options like bank fixed deposits or bonds might have a higher rate, but this is taxable so the net impact in terms of after tax rate when compared will actually turn out to be lower. It is important to compare similar rates for all these instruments so that the right decision can be made. Restrictions: There are also some restrictions that investors will face when they are investing in the PPF and this has to be known. There is a restriction on the total amount that can be invested in the PPF at Rs 1,00,000 per year. Even if an investor wants to invest more, he/she cannot do so because this is the limit that is present for the investment itself. There is a tax benefit that is available for investing in to the instrument, so this is an added benefit that the investor will be able to get.

They can complete their investment requirement as well as the tax requirements at one go, which will be helpful for them.

The long-term nature of the instrument should also ensure that they are able to plan for their retirement in an effective manner. Once these points are considered then the investment decision becomes far easier and this should guide the investors in their efforts.

Happy Investing!!

We can help. Call 0 94 8300 8300 (India)

Leave your comment with mail ID and we will answer them

OR

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

---------------------------------------------

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 PlanInvest Online
2. HDFC TaxSaverInvest Online
3. DSP BlackRock Tax Saver FundInvest Online
4. Reliance Tax Saver (ELSS) FundInvest Online
5. Birla Sun Life Tax Relief '96 Invest Online
6. IDFC Tax Advantage (ELSS) FundInvest Online
7. SBI Magnum Tax Gain Scheme 1993Invest Online
8. Sundaram Tax SaverInvest Online
9. Edelweiss ELSS Invest Online

------------------

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
2. 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
3. Small and MicroCap Funds Invest Online

1. DSP BlackRock MicroCap Fund
4. Sector Funds Invest Online

1. Reliance Banking Fund
2. Reliance Banking Fund
5. Tax Saver MutualFundsInvest Online
1. ICICI Prudential Tax Plan
2. HDFC Taxsaver
3. DSP BlackRock Tax Saver Fund
4. Reliance Tax Saver (ELSS) Fund
6. Gold Mutual Funds Invest Online

1. Relaince Gold Savings Fund
2. ICICI Prudential Regular Gold Savings Fund
3. HDFC Gold Fund