RELIANCE REGULAR SAVINGS FUND – DEBT OPTION MUTUAL FUND

Fund Snap Shot & Benefits

The primary investment objective of this option is to generate optimal returns consistent with moderate stage of risk. This income may be balance by capital appreciation of the selection. Consequently investments shall principally be made in Debt & Money Market Instruments.

Investment Option

  • It is an Open-Ended scheme the minimum investment is Rs. 5,00
  • Invest in Monthly Dividend, Dividend Re-Investment Option need to Invest Minimum Rs. 25,000/-, Quarterly Dividend Option Plan Need Rs. 10,000/-,Half yearly Dividend Option Investment Option required Rs. 5,000/-

Load Structure

Entry load – Nil

Exit Load 1.00%, if redeemed/switched out on or before completion of 1 year from the date of allotment

Funding Structure:

Reliance Regular Savings Fund-Debt Option will keep the investment maximum safe for long term. The investment amount will be distributed 50-100 percent in debt option and remaining if any will be invested according to the situation in the money plans maximum  50% .Totally if we calculate  72.18% will be invested in  cooperate bonds ,16.75% in zero coupon bands,3.16% in certificate of deposits and remaining  6.71% in other money funds. According to the category if we notice the fund maximum will be invested in Finance session that is around 35.69% in the finance dealing companies,29.73% in moderate companies,3.10% in Capital Goods,3.10% in power sectors ,1.93% in pharmacy companies 3.16% in banks and remaining 3.31% in automobile companies. This will be invested as cooperate bonds in that particular companies details as per fund fact sheet as on 31 Dec’2013.

Fund Returns

This fund is purely Open Ended fund  and losses will be less as profit gaining through this funds  is less .The profit gained  will be less in this type of funds  when we compare this with equity shares .But most important thing  to be noted is in such type of funds the  investment will be always safe. In the past 5 years 7.75 % ,8.71% in 3 years  income had been acquired, yearly around 8.00% can been achieved. Those who are near to IT slab opting to see to invest in Fixed Deposits they can invest in this type of funds. If they can invest more than a year the opt profit treated as long term debt interest imps maximum 10 percent. If we can take economic rate as consideration then the tax will be null. Investors who are in Future planning in 2-3 years for buying house and their children’s education or marriage they can choose this type of Debt funds.

Fund Details

Date of Announce: 10 May’2005

Fund Manager:  Mr. Prasanth Pimple

Nav: Growth Option: Rs. 16.75

Quarterly Dividend Option: Rs. 12.54

Fund Type: Open-Ended

Bench Mark: Crisil Composite Bond Fund

Amount in Funding: Rs. 3,309.96 Crores as on 30 Sep’2013

Visit us for Stock Market Tips

Reminder:

Risk in Mutual Funds is preferred as below

(BLUE) Investors recognize that their principal will be at low risk.

(YELLOW) Investors recognize that their principal will be at medium risk.

(BROWN) Investors recognize that their principal will be at high risk.

HDFC CHILDRENS GIFT MUTUAL FUND

Fund Snap Shot & Benefits

The primary objective of both the Plans viz. Investment Plan & Savings Plan under the Scheme is to generate long term capital appreciation.

Investment Option

  • It is an Open-Ended scheme the minimum investment is Rs. 5,000 {Multiples of Rs. 1/- thereafter}
  • Systematic Investment Plan {S.I.P} Rs. 5,00/- & also invest 1,500/- in Quarterly mode

Load Structure

Entry load – Nil

Exit load: 3% if redeemed/switched 1yr

2% for 1st & 2nd yr, 1% for 2nd & 3rd yr. (Lock-in till the child completes 18yRs of age or until

Completion of 3yRs from the DOA, whichever is later)

Funding Structure:

Hdfc Children Gift Fund is a balanced fund; It can follow restrictions in investments. In equities it would be 40-75%, Debt/Cash it invest 25-60%. As below we can seen they investment as per companies wise as on 30 Nov 2013

01 Sun Pharma 4.52%
02 Infosys 4.02%
03 Motherson Sumi 3.56%
04 Relaince 2.45%
05 Tcs 2.40%
06 Persistent 2.39%
07 Ipca Labs 2.37%
08 Astral Poly Tec 2.26%
09 Hdfc Bank 2.22%
10 Lupin 2.05%

We can see ALLOCATION OF FUNDS IN SECTOIAL WISE {as on 30 Nov’2013}.

01

Technology

13.23%

02

Pharmaceuticals

12.08%

03

Banking/Finance

10.60%

04

Engineering

9.30%

05

Automotive

7.75%

06

Manufacturing

5.59%

Hdfc Children Gift Fund acquires 73.51% Investments in Equity, Debt Funds having 14.96%, Call/Cash having 11.53% Investments. In this fund stabilizes Savings option in Equity investments to 8.71%, Government Securities and Bonds acquires 59.07% Cash/Call invests 21.05%.

Fund Returns

This fund is purely Open Ended Balanced Scheme mutual fund we can expect best returns in long term investment. This fund risk indicates Yellow Color {which was medium risk}. Those who invest in growth option for a period of 5 years gives good benefits in this fund portfolio as see below

  • From Fund Stating Date to till today the fund given returns: 15.10%
  • Past 5 Years the fund given returns: 23.38%
  • Past 3 Years the fund given returns: 10.55%
  • Past 1 Year the fund given returns: 12.93%
  • As Per Highest Nav Recorded as 56.8 and Lowest Nav recorded as 47.306.

Investing thorough Systematic Investment Plan (SIP) of Rs. 2000 from December 2008 till we invest today Rs.1, 89,596.70Ps on average. If he/her invest Rs. 10,000 in a single option now he can get Rs. 28,593.21 Ps returns in hand.

Advantages of this Fund:

This fund is choosing for children below 18 years. This fund also enriches Life Insurance to the Premier of saver the fund. This Insurance premium counts until the saver having units into 10 times. Maximum insurance upto 10 lakhs. Premium should bear by the company only.

Why should we invest in this child funds? We can withdraw any type of mutual funds as per need, but these type of child mutual funds we are investing in the future needs of child, so at time of withdrawal we can think about withdraw because we are investing for children future and also major factor exit load also high in this fund if we withdraw before the term.

Fund Details

Date of Announce: 02 March’2001

Fund Manager:  Mr. Chirag Setelvad

Nav: Growth Option: 56.800

Fund Type: Open-Ended

Bench Mark: Crisil Balanced Fund

Amount in Funding: Rs. 371 Crores as on 03 Sep’2013

For More Details on Mutual Funds Investments visit us profitkrishna Advisory Services

Reminder:

Risk in Mutual Funds is preferred as below

(BLUE) Investors recognize that their principal will be at low risk.

(YELLOW) Investors recognize that their principal will be at medium risk.

(BROWN) Investors recognize that their principal will be at high risk.

Tata Balance Fund

Fund Snap Shot & Benefits

Tata Balanced Fund is an investment objective of the scheme is to provide income distribution and or medium to long term capital gains while at all times emphasizing the importance of capital appreciation.

Investment Option

  • It is an Open-Ended scheme the minimum investment is Rs. 5,000
  • Systematic Investment Plan {S.I.P} Rs. 5,00/-

Load Structure

Entry load – Nil

Exit load: 1% If Exit before 12 months.

This Fund Offers Investment in Growth, Dividend, Dividend Re-Investment Options.

Funding Structure:

The Fund invests in 65-75 percent in Equity and rest 25-35 percent allocates in Debt, Money Market. As below we can seen they investment as per companies wise

01 Hcl Tech 4.55%
02 Itc 4.36%
03 Tcs 3.88%
04 Hdfc 3.61%
05 Hdfc Bank 3.53%
06 Idea Cellular 3.51%
07 United Spirits 3.42%
08 Sun Pharma 3.33%
09 Bajaj Finance 2.34%
10 Lupin 2.05%

Rest of Companies they invest 40.30%. Debt Government Securities they invest 11.21%, Non-Convertible Debentures/Bonds they invest 5.71%, Money Market Instruments 6.07%.Rest 2.13% kept in Cash/Call. See as Setoral Allocation: 13.39% for Information Technology,13.48% for Banking/Finance,9.48% Pharmaceuticals,6.07% Automative,5.12% Oil&Gas,4.87% Telecom,4.36% Tobacco,3.60% Engineering & Capital Goods, 3.42% Food & Beverages, 2.99% Media & Entertainment, 2.78% Consumer Non-Durables, 2.26% Cement and Construction and rest others.

Fund Returns

In this fund long term investments gives less low risk factor and also gives better returns.  The Investments in Growth Option we can seen the Returns as below

  • From Fund Stating Date to till today the fund given returns: 15.53%
  • Past 5 Years the fund given returns: 14.79%
  • Past 3 Years the fund given returns: 4.31%
  • Past 1 Year the fund given returns: 3.46%
  • As per 52 weeks NAV on 17 May’2013 the fund recorded Highest NAV recorded for this fund is 100.72
  • The Lowest NAV recorded for this fund is 88.65 as on 28 August’2013.

Investors those who are invested Rs. 10,000/- from the announce of te fund at present Rs. 53,774.03 Ps in hand. Investing thorough Systematic Investment Plan (SIP) of Rs. 2000 from 05 October ‘2005 till today the investment is Rs.2, 40,000. He can get 5,045.89 Units the investment amount as per market value {NAV} Rs. 4,97,676.13 Ps.

This Fund gives better returns investors those who invest in Equity, Debit markets for long term investments mode.

Fund Details

Date of Announce: 08 October’1995

Fund Manager:  Mr. Atul Bhole/Murthy Nagarajan

Nav: Growth Option: 98.63; Dividend Option: 53.39 {As Per 04 October’2013}

Fund Type: Hybrid;Equity Related

Guidelines: Crisil Balance Fund

Amount in Funding: Rs. 562.98 Crores {As on 30 June’2013}

For More Details on Mutual Fund Investments visit us profitkrishna Advisory Services

Reminder:

Risk in Mutual Funds is preferred as below

(BLUE) Investors recognize that their principal will be at low risk.

(YELLOW) Investors recognize that their principal will be at medium risk.

(BROWN) Investors recognize that their principal will be at high risk.

For More Mutual Fund Investments Visit www.profitkrishna.com

Mutual Fund Highlights 10 Oct 2012

Forward Coming Dividends

Franklin Templeton Mutual Fund announces dividend for its scheme

Franklin Templeton Mutual Fund has announced dividend under Franklin Infotech Fund and FT India Dynamic PE Ratio Fund of Funds. The quantum of dividend for distribution under Franklin Infotech will be Rs. 1 per unit. Accordingly, for FT India Dynamic PE Ratio Fund of Funds, under Individuals and HUF will be Rs. 0.440 per unit and for others it will be Rs. 0.377 on the face value of Rs. 10 per unit. The record date for dividend distribution is 12th October 2012.

Revision Of Exit Load

IDFC Mutual Fund revises exit load under IDFC Super Saver Income Fund-Short Term

IDFC Mutual Fund has announced to revise exit load structure under IDFC Super Saver Income Fund-Short Term. Accordingly, an exit load of 0.50% will be charged if units are redeemed or switched out within 3 months from the date of allotment. The revised exit load structure will be effective from 8th October 2012.

SBI Mutual Fund revises exit load under SBI Short Horizon Debt Fund-Short Term Fund

SBI Mutual Fund has announced to revise exit load structure under SBI Short Horizon Debt Fund-Short Term Fund. Accordingly, an exit load of 0.25% will be charged if units are redeemed or switched out within 75 days from the date of allotment. The above change in load structure will be applicable on all prospective investments made on and after 5 October 2012.

Change In Key Personnel

Principal Mutual announces change in Key Personnel

Principal Mutual Fund has announced that Mr. Alok Vij, Independent Director has resigned from the services of the company and ceases to be the Director from the board of Principal Pnb Asset Management Company Ltd. This will be effective from 21st September 2012.

Fund House Actions

BNP Paribas Mutual Fund announces change under its schemes

BNP Paribas Mutual Fund has announced that minimum amount/units of redemption/switch out from BNP Paribas Bond Fund, BNP Paribas Short Term Income Fund, BNP Paribas Flexi Debt Fund, BNP Paribas Money Plus Fund and BNP Paribas Overnight Fund (surviving plans/schemes) shall be Rs 1000 and in multiples of Rs 1 thereafter or a minimum of 100 units (unless redemption request is for all units).

TOP PERFORMING MUTUAL FUNDS AS ON 10 OCT’2012:

TOP 3 LIQUID SCHEMS  {1 Month}

% Return

1 Tata Liquidity Management Fund – Growth

            0.9288

2. Escorts Liquid Plan – Growth

0.7501

3. Principal Retail Money Manger Fund – Growth

0.7466

TOP 3 Floating Rate Schemes {1 Month}

% Return

1. ICICI Prudential Corporate Bond Fund – Plan B – Growth

1.3224

2. ICICI Prudential Corporate Bond Fund – Growth

1.3094

3. DSP Black Rock Income Opportunities Fund – IP – Growth

0.8702

TOP 3 Short Term Income Plans {1 Month}

% Return

1. SBI SHDF – Short Term – Ret – Growth

1,1362

2. HDFC HIF – STP – GROWTH

1,0957

3. IDFC SSICF MTP – PLAN – A – GROWTH

1,0942

TOP 3 Short Term Income Plans {1Year}

% Return

1. KOTAK BANK DEPOSIT – GROWTH

13.8977

2 Kotak Bond Scheme – Plan A – Growth

13,8873

3 SBI Dynamic Bond Fund – Growth

13,123

Top 3 Tax Schemes (1 Year)

% Return

1 Principal Tax Savings Fund

24,0989

2 HSBC Tax Saver Equity Fund – Growth

24,1127

3 Reliance Tax Saver (ELSS) Fund – Growth

23,6970

Top 3 Equity Schemes (1 Year)

% Return

1 ICICI Prudential Discovery Fund – Growth

28.7832

2 Reliance Equity Opportunities Fund – Growth

28.0175

3 Principal Emerging Blue-chip Fund – Growth

27.2414

Top 3 Balanced Schemes (1 Year)

% Return

1 Reliance RSF – Balanced – Growth

22.4192

2 Tata Balanced Fund

20.9351

3 ICICI Prudential Balanced

19.3823

Top 3 MIP Schemes (1 Year}

% Return

1. Axis Triple Advantage Fund

15.3591

2 DSP Black Rock MIP Fund

14,2030

3 HSBC MIP

13,9428

Disclaimer: The information contained in this report has been obtained from sources considered to be authentic and reliable. However, Profit Krishna Advisory Services. is not responsible for any error or inaccuracy or for any losses suffered on account of information contained in this report. This report does not purport to be an offer for purchase and sale of mutual fund units. © Profit Krishna Advisory Services. 2012. All rights reserved.