सिस्टमॅटिक इन्व्हेस्टमेंट प्लॅन

कोणती एस आय पी चांगली असे नाही पहिले कोणत्या म्युचुअल फंड मध्ये पैसे गुंतवाय चे आहेत ते निस्चित करा मग तीच रक्कम उदा. एक रकमी ५ लाख भरले. किंवा तेच पाच लाख दर महिना १००००
चा एस आय पी केला तर असे आहे. First decide on what shares/ mutual funds to purchase.
equity diversified, or debt funds or gold etf or your choice of fund. or shares. all banks offer this facility. You need to have D mat account. do you have that?

पण महिना ५००/१०००/२००० वगैरे तुलनेने सोपं जातं. एरव्ही हे पैसे कदाचित असेच खर्च होऊन गेले असते.>>>
पण मग SIP च का? RD वैगेरेपेक्ष जास्त काही फायदा आहे का?

जाई., एक सुचवु कां? गोरेगाव पूर्वेला माँजिनिस शेजारी 'नाईकवेल्थ प्लानर्स' म्हणुन एक कंपनी आहे. रविवारी एबीपी माझावर संध्याकाळी ४.३० वाजता 'पैसा झाला मोठा' या कार्यक्रमात जे गुंतवणुकीसंबंधात मार्गदर्शन करतात त्या निखिल नाईक यांची ही कंपनी. जवळपास अर्धं गोरेगांव पूर्व यांच्यामार्फत गुंतवणुक करतं. तिथे जाऊन तू माहिती घे, तुला योग्य वाटले तर त्यांच्यामार्फत गुंतवणुक कर. माझा रेफरन्स दिलास तरी चालेल.

म्युच्युअल फंडासाठी डी-मॅट लागत नाही ना अमा?

थँक्स.. काका न म्हटल्याबद्दल

सिप मध्ये कोणताही tax लागू नाही...सिप मध्ये परतावा fix नसतो.
पण RD /FD इंटरेस्ट taxable आहे. परतावा fix .
काही चांगले MF पुढीलप्रमाणे..

Fund Name 3yr 5yr
Birlas Sunlife frontline 13.08 11.57
Kotak50 11.08 9.58
ICICI forcused bluechip. 11.08 10.46
BNP paridas midcap 22.34 20.84
UTI midcap 27.5 19.3
SBI Magnum Midcap 26.91 20.91
DSP Black Micro Cap 31.53 21.36
ELSS
Axis Long term 23.53 19.09
Birla Sun 96 19.01 13.17
TATA tax 16.11 12.97

Demat जर असेल तर सगळे online करू शकतो..मंजे खरेदी किव्हा विक्री सुद्धा आणि वेळ कमी लागतो. जर तुमचा पेपर काम करण्यावर भर असेल तर तुम्ही offline मंजे फॉर्म भरून घेवू शकता.

नंतर दिलेत ते परताव्याचे दर आहेत कां?

Demat is not required for mutual fund. Banks give acess to separate investment facility to invest in mf. This is attached to your sb act but one need to submit for KYC for such investment (usually banks arrange for this). Most Amc offer direct investment in SIP on their respective websites. Rate of returns are better in direct than regular as commission of mf agent is not involved. If decision is done on which mf to invest then direct is better option, if available.

हो जे मला साधारणतः मिळालेले आहेत. पण ELSS मध्ये एका मित्राकडून घेतलेले आहेत. मी ELSS मध्ये गुंतवणूक करत नाही..

परतावा काय जो मिळायचा तो त त्या फंड कडून मिळणार किंवा शेअर्स कडून. त्यात एस आय पी ही फक्त रेग्युलर मंथली पेमेंट करायची एक फॅसिलिटी आहे जेणेकरून नोकरदार वर्गाला महिन्याला एक रक्कम इन्वेस्ट करता येणे सोपे जावे.
शेअर्स खरेदी साठी पण एस आय पी करता येते.

check valueresearchonline.com for lots of information

रेग्युलर प्लॅन आणि डायरेक्ट प्लॅन मधिल फरक कुणी एक्सप्लेन करुन सांगणार का

एस आय पी चा फायदा म्हणजे मार्केट टायमिंग वगैरे खेळ न करता शिस्तीने गुंतवणूक केली जाते. तुमच्या सुचनेनुसार ठराविक रक्कम तुमच्या अकाउंट मधून काढली जाते आणि त्याचे म्युचुअल फंड युनिट्स घेतले जातात. एकदम रक्कम गुंतवली जात नाही त्यामुळे दर महिन्याला त्या वेळी असलेल्या वेगवेगळ्या किंमतीला युनिटची खरेदी होवून डॉलर(रुपी) कॉस्ट अ‍ॅवरेजिंग होते. शिवाय बाय लो हा फंडा आपोआप पाळला जातो. उदा. महिन्याला १००० रुपये गुंतवणार असाल तर किंमत ५०० रु असेल तर २ युनिट्स घेतली जातील ,किंमत ४०० असेल तर २.५ युनिट्स घेतली जातील आणि २५० असेल तर ४ युनिट्स ची खरेदी होइल.
भारतातील टॅक्सेस बद्दल काही माहिती नाही मात्र गुंतवणूकीत शिस्त हवी असेल, हाताशी मोठी रक्कम नाही म्हणून गुंतवणूक करणे लांबणीवर टाकले जाणे आणि मग हातातली छोटी रक्कम खर्च होवून जाणे हे टाळायचे असेल तर सीप द्वारा पैसे गुंतवायला सुरुवात करावी. गुंतवणूक म्हणजे सेविंग नव्हे त्यामुळे येत्या ५ वर्षात लागणारी रक्कम यात नको. कमीतकमी ८-१० वर्षाचा अवधी हातात असेल तर मार्केटमधे मंदी आली तरी आपला जीव वर खाली होत नाही. त्या काळात नियमित गुंतवणूक सुरु राहून आपोआप कमी किमतीला जास्त युनिट्सची खरेदी होते. प्रॉविडंड फंडसाठी जसे दर महिन्याला पैसे कापले जातात तसे याकडे बघितले तर रिटायरमेंटसाठी कॉस्ट अ‍ॅवरेजिंग करत, कपाउंडिंगचा फायदा घेत सर्वसाधारण मार्केटनुसार परतावा मिळतो. गुंतवणूक करताना स्वतः अभ्यास करुन, तुमचे अ‍ॅसेट अ‍ॅलोकेशन काय हवे ते बघून योग्य ठिकाणी गुंतवणूक करावी.

सिस्टमॅटिक इन्व्हेस्टमेंट प्लॅन ( SIP ) हा ही एक पर्याय आहे .
तर या पर्यायात कशी गुंतवणूक करायची
>>>>>>ELSS (Employee Linked Saving Scheme) याखाली असणार्‍या म्युचुअल फंडामधे १,५०,००० पर्यंत वर्षाला ८० सी कलमाखाली सूट मिळते. म्हणजे तुम्ही तुमच्या अलोकेशन प्रमाणे तुमची वार्षिक रक्कम /१२ अशी गुंतवणुक करु शकता. किंवा एकरकमीही करु शकता.

त्यासाठी घेतली जोखीम >>>>>>
यात गुंतवलेले पैसे ३ वर्षासाठी लॉक होतात त्याआधी काढता येत नाहीत. इक्विटीशी ही स्कीम लिंक असल्याने तुम्ही बेअर मार्केटमधे सापडलात तर "त्या" तीन वर्षामधे तुमचे रिटर्न चांगले असणार नाहीत. पण जर तुमचे टाईम होरायझन मोठे असेल उदा. १० वर्षे तर रिटर्न चांगले असु शकतात.

ह्यात असणारे फायदे>>>>>>>>>>
एस आय पी असल्याने एकदम पैसे भरावे लागत नाहीत. शिस्तीने सेविंग होते. जर तुम्ही लकी असाल आणि बुल मार्केटच्या सुरुवातीला घेतले गेले तर तीन वर्षात बंपर रिटर्न मिळु शकतात.
तुम्हाला ८० सी अंतर्गत सूट मिळते.
समजा जबरदस्त रिटर्न नाही मिळाले आणि एफ डी इतकेच मिळाले तरी ते टॅक्स फ्री असल्याने इफेक्टीव रिटर्न जास्त होतात.

तोटे >>>>>
पैसे तीन वर्षे लॉक होतात. इक्विटीशी लिंक असल्याने जोखीम आहेच.

स्वाती२... एकदम परर्फेक्ट प्रतिसाद

सीप मधिल गुंतवणूक ही केवळ ८-१० वर्षांसाठी केलेल्या गुंतवणूकी वरिल परतावा किंवा फायदा बघून करू नये, तर निवृत्ती नंतरची पुंजी म्हणून देखिल सीप कडे बघता येते. जर सीप कडे १५-२५ वर्षांची गुंतवणूक म्हणून पाहिले तर निवृत्ती नंतरचा जमाखर्चाचा त्राण कमी होईल.

SIP बद्दल कल्याणमधे माहिती हवी असल्यास माझा भाचाच एकदम एक्पर्ट आहे. अनेकदा टीव्हीवरही त्याला बोलावले जाते. माझ्या विपुत लिहा मी काँटॅक्ट देतो.

http://www.getmoneyrich.com/systematic-investment-plan-sip/

Mutual funds SIP साठी डी-मॅट mandatory नाही.
डी-मॅट अकाऊंट मधून Mutual funds SIP केल्यास ब्रोकरेज द्यावा लागतो. डायरेक्ट्ली ऑनलाईन केल्यास ब्रोकरेज द्यावा लागत नाही.
मी HDFC TOP 200 FUND - GROWTH PLAN मधे through Demat Account‎ invest केले ज्यात मला ब्रोकरेज द्यावा लागतो.
ज्या mutual funds मधे ऑनलाईन invest केले तिथे ब्रोकरेज द्यावा लागला नाही.
Franklin Templeton , UTI allow you to invest in SIP online without brokerage.

प्रत्येक एस आय पी टॅक्स सेव्हिण्ग साठी नसते.

कशातही पैसे गुन्तवा पण मार्केट क्रॅश झालेले असताना घबरुन घाईघाईत पैसे काढू नका. योग्य पर्तावा मिळेपर्यन्त वाट बघा. मार्केट लो असताना पैसे गुन्तवा, अर्थात अभ्यास करुन योग्य ठिकाणी.

इन्व्हेस्ट्मेण्ट ही फ्युचर साठी असावी. सो have patience.

फायनॅन्शियल गोल प्लान करा आणि इन्व्हेस्ट करा
लॉन्ग टर्म गोल, शॉर्ट टर्म गोलसाठी वेगवेगळ्या इन्व्हेस्ट्मेण्ट करा. लॉन्ग टर्म साठी इक्विटि चांगले, शॉर्ट टर्म साठी डेट फण्ड्स, आणि हो, इमर्जन्सी साठी सुद्धा sip करता येतात, त्या करता वेगळे प्लान असतात, अल्ट्रा शॉर्ट टर्म..

इन्श्युरन्स घेताना आपले इनकम आपल्यावरचे डिपेण्डण्ट्स ह्याचा विचार करुन घ्या. सध्या कोणी फारसे डिपेण्डण्ट्स फारसे इनकम नसल्यास नसल्यास टॅक्स सेव्हिंग साठी खुप मोठा इन्श्युरन्स काढू नकात, त्याऐवजी टॅक्स सेव्हर एस आय पी करा. इन्श्युरन्स गरजे इतकाच आणि तितका तरी असावा, कमी किम्वा जास्त नाही. काका मामा मावश्या एल आय सी एजण्ट आहेत म्हणून इन्श्युरन्स घेन्याचे दिवस सम्पले आता. अभ्यस करा.

मेडिकल इन्श्युरन्स, क्रिटिकल इल्नेस ईन्श्युरन्स नक्की घ्या.

Two times brokerage if SIP done via demat 1. Direct debit to your sb acct and 2. Regular SIP returns rates are less because fund houses also pay to bank for selling their products which affects our returns.

स्वाती, Mansmi छान पोस्ट्स.

मला पडलेले प्रश्न,
चांगला SIP कसा निवडायचा ? वेगवेगळ्या म्युच्युअल फंडस् चा performance कसा बघायचा ? Economic Times वर वगैरे जे टक्कया मध्ये परतावे दिलेले असतात ते कसे समजून घ्यायचे?

कोणी सांगू शकेल का ?

१. क्रिसिल रँक चांगला हवा
२. पाच वर्षातली कामगिरी चांगली हवी

@ अतरंगी

http://www.moneycontrol.com/

ही ह्या बाबतीत फार उपयुक्त साइट आहे. कोणत्याही फंडाचे गेल्या ५ वर्षाचे रेकॉर्ड्स बघू शकता. उदा: hdfc-tax-saver ह्या फंडाचे रेकॉर्ड्स खाली दिसतील.

http://www.moneycontrol.com/mutual-funds/nav/hdfc-tax-saver/MZU017

सिप चे जसे फायदे आहेत तसे तोटेसुद्धा आहेत.
मी २००६ साली त्यावर एक आर्टिकल लिहिले होते. ते आजही लागू होते. ते सर्व खाली पोस्ट करत आहे. जो जे वांछिल तो ते घ्यावे ........
......................................................................................................................................................

MUTUAL FUNDS – SYSTEMATIC INVESTMENT PLANS
By

Sharadchandra Shankarrao Patil

INTRODUCTION

An investor has many options for making his investments. However, all of them do not give optimum returns at little or no risk. An investment in mutual fund is an investment that gives results comparable to trading in shares and the risks are reduced quite a lot. Almost all mutual fund houses have started Systematic Investment Plans (SIP) over a last couple of years. They harp upon the minds of investors to invest in the SIPs to minimize the market risks. Is it the complete truth? Is it possible to do something else to beat the market risks and at the same time maximize the returns? These are the questions that I hope to answer through this article. However, one must have some basic knowledge about mutual funds before attempting the answers.

What is a Mutual fund?

Mutual fund s a mechanism for pooling the resources by issuing units to the investors and investing funds in securities in accordance with objectives as disclosed in offer document.

Investments in securities are spread across a wide cross section of industries and sectors and thus the risk is reduced. Diversification reduces the risk because all stocks may not move on the same direction in the same proportion at the same time. Mutual fund issues units to the investors in accordance with quantum of money invested by them. Investors of mutual funds are known as unit holders.

The profits (or losses) are shared by the investors in proportion to their investments. The mutual funds normally come out with a number of schemes with different investment objectives, which are launched from time to time. Before collecting funds from the public, a mutual fund is required to be registered with the Securities and Exchange Board of India (SEBI), which regulates securities market.

A mutual fund is set up in the form of a trust, which has sponsors, trustees, Asset Management Company (AMC) and a custodian. The trust is established by a sponsor or more than one sponsor who is like promoter(s) of a company. The trustees of the mutual fund hold its property for the benefit of the unit holders. AMC approved by SEBI manages the funds by making investments in various types of securities. Custodian, who is registered with SEBI, holds the securities of various schemes of funds in its custody. The trustees are vested with the general power of superintendence and direction over AMC. They monitor the performance and compliance of SEBI Regulations by the mutual funds.

SEBI regulations require that at least two thirds of the directors of trustee company or board of trustees must be independent i.e. they should not be associated with the sponsors. Also, 50% of the directors of AMC must be independent. All mutual funds are required to be registered with SEBI before they launce any scheme.

Net Asst Value (NAV)

The performance of a particular scheme of a mutual fund is denoted by Net Asset Value (NAV).

Mutual Funds invest the money collected from the investors in security markets. In simple words, NAV is the market value of the securities held by the scheme. Since market value of securities changes every day, NAV of a scheme also varies on day-to-day basis. The NAV per unit is the market value of securities of a scheme divided by the total number of units of the scheme on any particular date. For example, if the market value of securities of a mutual fund scheme is Rs. 155 lakhs and the mutual fund has issued one lakh units of Rs. 10 each to the investors, then the NAV per unit of the fund is Rs. 15.50. NAV is required to be disclosed by the mutual funds on a regular basis – daily or weekly – depending on the type of scheme.

Different Types of Mutual Fund Schemes

Schemes According to Maturity Period
(a) Open-ended Fund / Scheme: An open ended scheme or a fund is one that is available for subscription and repurchase on a continuous basis. These schemes do not have a fixed maturity period and investors can continuously buy and sell units at NAV related prices, which are declared on daily basis. Thus, the key feature of an open-ended scheme is liquidity.

(b) Close-ended Fund / Scheme: A close-ended fund or scheme has a stipulated maturity period e.g. 5-7 years. The fund is open for subscription only during a specified period at the time of launch of the scheme. Investors can invest in the scheme at the time of new fund issue and thereafter they can buy or sell the units of the scheme on the stock exchanges where the units are listed. In order to provide an exit route to the investors, some close-ended funds give an option of selling back the units to the mutual fund through periodic repurchase at NAV related prices. SEBI regulations stipulate that at least one of the two exit routes is provided to the investor i.e. either repurchase facility or through listing on the stock exchanges. These mutual fund schemes generally disclose NAV on weekly basis.

Schemes according to Investment Objectives:

A scheme can also be classified as growth scheme, income scheme or balanced scheme considering its investment objective. Such schemes may be open-ended or close-ended schemes. Such schemes may be classified mainly as follows:

(a) Growth / Equity Oriented Schemes. The aim of growth funds is to provide capital appreciation over the medium to long-term. Such schemes normally invest a major part of their corpus in equities. Such funds have comparatively high risks. These schemes provide different options to the investors like dividend option; capital appreciation etc. and the investors may choose an option depending on their preference. Growth schemes are good for investors having a long-term outlook seeking appreciation over a period of time.

(b) Income / Debt Oriented Scheme. The aim of income funds is to provide regular and steady income to investors. Such schemes generally invest in fixed income securities such as bonds, corporate debentures, government securities and money market instruments. Such funds are less risky compared to equity schemes. These funds are not affected because of fluctuations in equity markets. However, opportunities of capital appreciation are also limited in such funds. The NAVs of such funds are only affected because of change in interest rates in the country. If the interest rates fall, NAVs of such funds are likely to increase in the short run and vice versa. However, long-term investors may not bother about these fluctuations.

(c) Balanced Fund. The aim of balanced funds is to provide both growth and regular income as such schemes invest both in equities and fixed income securities in the proportion indicated in their offer documents. These are appropriate for investors looking for moderate growth. The funds generally invest from 40:60 to 60:40 percent in equity and debt instruments respectively. These funds are also affected because of fluctuations in share prices in the stock markets. However, NAVs of such funds are likely to be less volatile as compared to pure equity funds.

(d) Money Market or Liquid Fund. These funds are also income funds and their aim is to provide easy liquidity, preservation of capital and moderate income. These schemes invest exclusively in safer short-term instruments such as treasury bills, certificates of deposits, commercial paper and inter-bank call money, government securities etc. Returns on these schemes fluctuate much less as compared to other schemes. These funds are appropriate for corporate and individual investors as a means to park their surplus funds for short duration.

(e) Gilt Fund. These funds invest exclusively in government securities. Government securities have no default risk.

(f) Index Funds. Index funds replicate the portfolio (of scripts as well as proportion) of a particular index such as BSE Sensex, NSE Nifty etc.

(g) Sector Specific Funds / Schemes. These funds / schemes invest in the securities of a particular sector of industries as specified in the offer documents; e.g. Pharmaceuticals, Software, Cement, Banking etc. Returns are more but risk is also more.

(h) Tax saving Schemes. These schemes offer tax rebates to the investors under specific provisions of the Income Tax Act, 1961. Government offers tax incentives for investments in specified avenues e.g. Equity Linked Saving Schemes (ELSS). These schemes are growth oriented and invest predominantly in equities. The returns and risks associated are like any other equity-oriented scheme.

Entry Load / Exit Load.

Almost all mutual funds charge about 2 – 2.5% more than NAV while purchasing the mutual funds by the investors. This is called ‘Entry Load’. Some mutual funds also charge some percentage while selling the units by the investors. This is called ‘Exit Load’. SEBI has recently proposed that there should be no entry load for those investors of Open Ended Funds who invest in the mutual funds directly without going through an intermediary like mutual fund distributors or stockbrokers. Most of the expenses of the mutual funds, related to allotment of mutual fund units are of commission given to the intermediaries. If the investors purchase units directly from the mutual fund houses, this expense of commission is not there; as such, there should be NO entry load for such investors investing directly. The comments of all stakeholders were invited up to 20 September 2007. However, final decision on this proposal is still pending.

Role of SEBI

SEBI formulates policies and regulates the mutual funds to protect the interests of the investors. SEBI notified regulations for the mutual funds in 1993. Thereafter, mutual funds sponsored by private sector entities were allowed to enter the capital market. The regulations were fully revised in 1996 and have been amended thereafter from time to time. SEBI has also issued guidelines to the mutual funds from time to time to protect the interests of investors.

All mutual funds - whether promoted by public sector or private sector entities including those promoted by foreign entities - are governed by the same set of regulations. There is no distinction in regulatory requirements for those mutual funds and all are subject to monitoring and inspections by SEBI. Also, the risks associated with the schemes launched by the mutual funds sponsored by these entities are of similar types.

SIP

Almost all mutual fund houses have started SIPs. Some fixed amount (generally in multiples of Rs. 1,000 /-; however some mutual funds like Reliance Mutual Fund permit multiples of Rs. 50 /- also) is invested every month from the investors’ bank account. Some experts state that such investments have numerous advantage. Firstly it inculcates habit of regular investments and secondly since units are allotted every month as per NAV of that particular day, the fluctuations in the market do not affect much, and thus these are most appropriate investment option for a common investor. However, I feel that these statements amount to only half-truth. The reasons are explained in the succeeding paragraphs.

In a broad sense, ‘Bull Phase’ i.e. when share prices rise day by day and ‘Bear Phase’ i.e. when share prices fall day by day, are two phases in which the stock market behaves. When any phase is going on, it may be possible that some time the market is very volatile and it is not possible to know in which direction it is moving, it may also be possible that the market is very stable for a few days with only minor fluctuations. Let us see how all this affects the SIP.

Assume that an investor has invested Rs. 1000 /- in SIP for which he has give 12 post dated cheques for 5th of each month. The units that he would get are as follows:

Date ....................................... NAV (Rs.) **.......................... .No of Units
5th January ................................. 11.00 .................................. 90.90
5th February ..................................11.50 ..................................87.96
5th March ...................................... 11.708................................ 85.47
5th April ........................................ 11.90 ................................. .84.03
5th May ..........................................12.10 ................................. 82.64
5th June ........................................12.15 .............................. 82.30
5th July ........................................11.95 .................................. 83.68
5th August ........................................ 12.95 ........................................82.30
5th September........................................ 12.95 ........................................66.22
5th October........................................ 14.00........................................ 71.43
5th November........................................ 14.30........................................69.93
5th December........................................ 15.30........................................65.35
Total Units 962.21
** Without considering dividends because if dividends are distributed, the NAV will remain more or less the same.

Suppose, the investor had Rs. 12,000 /- available on 5th of January and he had invested the complete amount, he would have got 1090.90 units instead of 962.21.

If we take the mirror image of the graph, it would indicate the bear phase.

Again, the investor would have got 962.21 units under the SIP. If he had invested Rs. 12,000 /- on 5th January itself, he would have got only 784.31 units. As against this, had he kept the money in bank and invested it on 5th December, he would have got bank interest for 11 months as well as additional units. The important point is that the investor must know whether bull phase is going on or bear phase. For this, one must be able to carry out technical analysis of the stock market. The charts and graphs of stock market movement are available on various websites as well as in various magazines. SIP is a good option when the investor is ignorant about the stock market analysis, when he does not have time to study the price movement of underlying securities in which the investments are being done by the fund and when regular flow of funds is available for investment.

Even after accepting the above point, it is prudent to invest more when an opportunity arises (like in August 2007) and to invest limited amount every month in SIP can be a better option.

These days, certain mutual fund houses that invest both in liquid assets as well as in debt / equity / balanced funds have cum out with Systematic Transfer Plans (STP) in conjunction with SIPs. The idea is simple. If the investor has money, he can invest the same in a Liquid Fund. From the liquid fund, the mutual fund house transfers predetermined amount to SIP every month. This option is again a good option to cover risk of fluctuation.

The most important point is never explained clearly by the experts and hence the investors also forget is that, the money comes from investments only when the investments are actually sold. The NAV of the date of sale is more important that the NAV on any day of the interim period. This means, units must be sold when the NAV is maximum. Again it means, one cannot make the investment and then forget about it.
In the bull phase graph given above, is it not prudent to invest up to July and then to withdraw the investment every month? Or better still, if all the investments are sold in December, it would probably fetch more money.

It is as important to have a Systematic Withdrawal Plan as to have a Systematic Investment Plan. In the bull phase, it is better to have a systematic withdrawal plan. In the bear phase, it is better to withdraw the entire invested amount and to start investing again in an SIP.

CONCLUSION

To conclude, I wish to state that an investor must always be alive to the present situation. Selection of mutual fund after analysing its track record, investment of some amount regularly in SIP, investment of maximum amount whenever opportunity arises and finally regular systematic withdrawal / redemption after a suitable period can prove most beneficial to the investor.
………………………………………………………………………………………………………

शरद,
उत्तम पोस्ट! जाई, धाग्याच्या हेडरमधे शरद यांची पोस्ट हलवल्यास सगळ्यांना सोईचे होईल.

अतरंगी,
चांगला सिप कुठला हे शोधण्याआधी तुमचे अ‍ॅसेट अ‍ॅलोकेशन ठरवा. साधारण ८०% Equity + २०% Debt ते ५०% Equity + ५०% Debt यामधे जे तुमच्यासाठी योग्य असेल ते. त्यानंतर इक्विटी किंवा डेब्ट फंड चे रेटिंग, त्याचे होल्डिंग्ज - लार्ज कॅप/ मिड कॅप/ स्मॉल कॅप, इन्वेस्टमेट स्टाइल - ग्रोथ्/वॅल्यू/बॅलन्स्ड् ,कुठल्या सेक्टरमधे किती गुंतवणूक आहे हे सगळे बघायचे. केवळ फंडच्या नावात ग्रोथ, बॅलन्स लिहीलेय म्हणजे इन्वेस्टमेंट स्टाइल तशीच असेल असे नाही. फंडाची माहितीपत्रके असतात त्यात तपशीलवार माहिती असते. गुंतवणूकीचा खर्च- एक्स्पेन्स रेशो देखील विचारात घ्या. टॅक्स इफिशियन्सी देखील पहावी. जे फंड टॅक्स इफिशियंट नाहीत ते टॅक्स सेविंग स्किम खाली घ्यावेत.

भारतात नो लोड फंड आहेत का? इथे अमेरीकेत माझी सर्व गुंतवणूक नो लोड फंडात आहे. तसेच कोअर गुंतवणूक ही इंडेक्स फंडात केली जाते. जोडीला सपोर्ट म्हणून मॅनेज्ड फंड्स.

शरद सर विस्तृत पोस्ट बद्दल धन्यवाद. बरेच बेसिक फंडे कळाले.

जिंक्स यांनी दिलेल्या लिंक वर जे returns दिले आहेत ते म्हणजे NAV मध्ये तितक्या वर्षात झालेली वाढ/घट ना ?

मी खूपच बेसिक प्रश्न विचारला आहे बहुतेक

स्वाती सध्या हे व्यवहार कसे चालतात ते समजून घेऊन मग पुढे तुम्ही सांगितलेलं समजून घेतो.

समजा मला franklin templeton चे SIP सुरु करायचे असेल तर त्यांच्या वेबसाइट वर जाऊन करावे लागते का?