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“Behind every stock is a company. Find out what it’s doing.” – Peter Lynch There are many mutual fund distributors who sell schemes without taking any knowledge of the investor, his risk appetite, his goals, and other such crucial things. But here, at MySIPonline, we make contact with clients, tell them how the funds are performing in recent times, ask about their goals, the risk they can handle, and then recommend any SIP plan.
Now your question will be-why SIP and not lumpsum? Then let me explain you this with an example. You have decided to invest Rs 10,000 in a mutual fund scheme. The amount you invested through SIP is at various points of the market, sometimes low, sometimes high. But in lumpsum, all amount is invested at the same time and if market falls, you will have to bear the losses and curse the person who asks you to invest. So, relax and invest in mutual funds through SIP. Choose the best one for yourself from the list of some of the best mutual funds stated as under:
Aditya Birla Sun Life India GenNext Fund: One of the most appreciated funds of ABSL which invests in the large-cap companies. The fund has predominantly invested in equity and equity-related securities focusing on diversified sectors. The fund has been following the benchmark NIFTY 50. The recent AUM of the fund as on April 30, 2018 is Rs 805 Cr, and it is managed by Mr Anil Shah and Ms Chanchal Khandelwal. The fund was launched in the year 2005 providing both the growth and dividend plan. Past Return Analysis: The fund has been providing terrific returns in the past year and outperformed its benchmark. It has provided the returns of 50.99% in 2014 which are 14.03% higher than its benchmark. The returns of the fund in 2015 were 7.52%, 2016 were 7.43, and 39.4% in 2017. All these returns were higher than the benchmark returns for the particular years.
Canara Robeco Emerging Equities Fund Another best investment plan to invest through SIP, the Emerging Equities Fund of Canara Robeco invest in the mid-cap companies. The fund allocates its assets in equity and equity-related securities to a great extent. The fund follows the benchmark NIFTY Midcap 100 TRI. An open-ended equity scheme, the fund is more preferable for investors who have a moderately high-risk appetite. The fund has been managed by Mr Ravi Gopalakrishnan. Past Return Analysis: The AUM of the fund as on April 30, 2018, is Rs 3,559 Cr. It has provided marvellous returns in the year 2009 about 112.37%. After that, it sloped down, but has beaten its benchmark every year except for 2016. The returns of the fund in 2015 were 13.06%, 2.56% in 2016, and 52.05% in 2017.
SBI Emerging Businesses Fund (G) It is an open-ended growth fund which invests in the equity and equity-related securities of the companies that fall into the small and mid-market capitalization. The fund has the AUM of Rs 2,681 Cr as on Apr 30, 2018. It is managed by Mr R. Srinivasan and follows the benchmark S&P BSE 500 to invest in the companies and for comparing its returns. It is favoured by the investors who have a high-risk appetite and are seeking long-term capital appreciation. Past Return Analysis: The fund has provided the trailing returns of 19.12% for 5 years. It has provided best returns in 2009 which was 108.96%. The returns of fund in 2016 were 2.22% and in 2017 were 44.73%. It has shown many ups and downs in the market and is a highly volatile fund.
While selecting any financial expert, investors focus mainly on the returns of the funds which they have invested in. People often stop the investment in the middle because of the underperformance of the funds they chose and lack of communication. At MySIPonline, you will never face any such issue. As you can keep in touch with the financial analysts and communicate even in working hours. You have all the rights to ask for the returns your SIP plans have provided so far, and knowing how your money is working.