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Mirae Asset Emerging Bluechip  is a pucca  performer. The fund lives to its ‘bluechip’ tag. It offers its investors an opportunity to invest in today’s large, mid and small-sized companies which have the potential to perform well in the coming years. Ever since it entered the 5-star rating it held on to it and performed exceptionally well since its inception. The fund manager, Neelesh Surana, is consistently ranked among the best fund managers. This fund, under his supervision, has outperformed the benchmark index and peers ever since inception. He stuck to the larger mid-cap companies and played well within the sector by concentrating on quality.

Performance

Mirae Asset Emerging Bluechip Fund is the top performing fund in the large & mid-cap space. It is highly consistent with a very good performance track record. The fund has consistently outperformed its peers and the benchmark index right from the inception. The fund has performed well both in the bull and bear phases of the market. This success can be attributed to the investment strategy of the fund manager. The fund has delivered an annualized return of 20.96% since inception in July 2010 as against 11.06% by Nifty Large Midcap Index, its benchmark.

Fund Information

Mirae Asset Emerging Bluechip Fund, a five-star rated fund, is the top fund in the large & mid-cap category. The fund prefers companies with operating profits of around Rs 100 crore. It avoids placing bets on small companies. The key to the funds’ consistency is its ability to buy at a reasonable price by being quality conscious.

The fund manager has a sharp business acumen wherby he choses Companies that have a sustainable competitive advantage, high ROI, free cash flows and strong earnings growth.


PEER FUND ANALYSIS

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Multicap Funds as on 1st March 2019.

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Importance of having a tax saving mutual fund scheme(Equity Linked Savings Scheme

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Markets remain volatile again this week, Good news is that the midcaps have slowly garnered momentum. But need to closely monitor till elections, Expect more volatility in the coming days till election!!

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Time, patience and loyalty are key ingredients in the journey of life.

People who seek pleasure in flirting get afflicted by AIDS or some other strange ailment.

Even in investing, flirting remains a risky proposition.

The human mind sometimes thinks it can beat age old values of patience and loyalty.

It seeks for a new and more profitable path. A path driven by overconfidence and greed.

But time and again, such thinking falls flat on its face and instead of making great returns, one lands up with below average returns.

It is a common occurrence that mutual funds deliver good returns but investors don’t.

This is because investors are not loyal to any mutual fund and instead flirt with different funds all along their investing life.

All they succeed in is, staying married during bad times and are missing out the good times.

Just as in life, Patience and Loyalty give the best returns in the journey of investing as well.

Happy Investing!

GREEN EARTH ADVISORY SERVICES

M Arvind Vishwanath

Contact us : 9943232925

Email us : arvindvishwanath.ifa@gmail.com

Follow us       : https://www.facebook.com/greenearthadvisoryservices

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Small Lessons in Personal Finance makes a big difference!!

Happy Investing!!!

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5 STEPS FINANCIAL PLANNING FOR CHILD EDUCATION

Step 1: Set a Target Date

The first step is to find out the target date for the child education goal. I feel the that average age when a child goes for Higher education can be taken as 21 or 22. You can take your own target tenure depending on your expectations and situation.

If you are not yet married then find out the estimated time left for your marriage and when you want to start your family (i mean children) and add target years to that number. For me personally it would be 4 + 21 = 25 yrs. what about you?

Step 2: Set a target amount in today’s term

The next step is to determine how much does it cost in today’s value for giving education to your child.  All of us have different aspirations when it comes to our child education, courses like  MBA, Engineering, MBBS, Software related courses are on our minds.

So let’s say for example you determine that Rs 10 lacs is good enough to provide a good education to your child in today’s value. Now you can jump to next step, but before that make sure you understand the effect of inflation on our Money

Step 3: Find out the amount you need on target date

Next step is to find out how much amount you actually need in the end. For this you first need to determine the rise in education cost per year. As per the recent year numbers, Education costs are increasing at 10% per annum.

A decade ago you could have done an MBA at 1.25 or 1.5 lacs, but today it costs more than 4 lacs. That’s more than the average inflation. Education cost in our country has been increasing at higher speed than other things. so you need to consider some figure. I would like to take this as 10%.

Now, you can just inflate the today’s cost using simple compound interest formula. Understand Compound Interest and other important Formulas.

Target Amount = Amount today X (1 + rate) ^ Tenure

Example: Considering myself, the amount I would require today is around 8 lacs. My tenure is 25 yrs and rise in education cost I would like to take as 10%. So

Target Amount I need after 25 yrs = 8,00,000 X ( 1 + .10) ^25 = 86 lacs (approx)

So, I can see that I need to make around 86 lacs in 25 yrs. Please note that this figure is based on your assumptions. The actual Figure you might need may be more or less to this amount. But still this is good enough, as we have a plan at least and we are near the goal.

Step 4: Estimated the return which you can generate over your investments

This is an important step where each investor has a different level of risk appetite and knowledge. Depending on those factors one can choose different products for investments and can generate some return through it.

One who is not much interested in finances and has lesser risk appetite can choose Balanced Funds or Debt Funds and can generate around 10-11% returns. On the other hand a person who can take more risk and have more interest in finances can invest in products like Equity Mutual funds, ETF’s, Direct Equities etc and can target close to 14-15% returns.

Getting more or less return is fine. All it matters is, does it suit your risk appetite?

There is no point in investing in risky products if you are not a risk taker. As a rule of thumb, a person who is investing for long-term like 10+ yrs should take Equity route because over that kind of time frame Equity has performed the best with maximum returns and with small risk.

So for long-term, Equity is what you should invest in and for short-term prefer equity only if you are great risk taker. Your range of return expectation should be from 8% – 15%. Anything above that is a bonus but getting more than 15% is tough for general investors like us.

Anything like 20-25% should be the target of more professional investors who have advanced knowledge and who are full-time into stock market and related fields. So better be satisfied with suitable returns which will be able to achieve your goals.

Understand Equity and Debt here

Step 5: Calculate per month contribution

The next step is to find out what is the monthly contribution you need to do. For this you have to use this scary formula.

C = [FV * r] / [(1+r) * { (1+r) ^ t – 1 }]

Where

  • C = contribution per month
  • r =Rate of return you expect to generate on your returns .
  • t = tenure (It would be multiplied by 12 if payments are monthly)
  • FV = Future value of your goal (this is calculated in step 3 .

You can Use this Calculator to calculate these figures. Just fill in your details and get the output. Now you can invest this money in product you have chosen.

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BUFFETOLOGY!!!

One thing that even Warren Buffett doesn’t do is to try to time the stock market, although he does have a very strong view on the price levels appropriate to individual shares. A majority of investors, however, do just the opposite, something that financial planners have always been warning them to avoid, and thus lose their hard-earned money in the process.

“So, you should never try to time the market. In fact, nobody has ever done this successfully and consistently over multiple business or stock market cycles. Catching the tops and bottoms is a myth. It is so till today and will remain so in the future. In fact, in doing so, more people have lost far more money than people who have made money,”

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The Periodic Table of Investments

The investment universe is vast, but it’s also made up of many smaller moving pieces.

For serious investors, the foundation of the discipline is to understand the properties of these individual components, and to have them work in harmony to achieve a specific portfolio goal.

To do this successfully, one must understand the breadth of asset classes, tactics, and categories of investments that exist – and to know how they relate to one another.

The Chemicals Between Us

Today’s infographic comes from Phil Huber, the Chief Investment Officer for Huber Financial Advisors, who has cleverly depicted this relationship graphically in his blog.

Similar to how the physical universe is made up of chemical elements, he sees the possibilities around portfolio management as drawing from a broad pool of investing “elements”. Combine these different elements together, and you get compounds, structures, and eventually entire funds.


The periodic table of investments created by his team denotes each type of investment, the primary and secondary strategy related to it, and a color classification:


Here are the seven objectives that the top letters on each box refer to:

And finally, here are the colors that each block on the periodic table correspond to


As you can see, considerable thought has been put into the categories and classifications. However, as Phil notes, this is simply the opinion of one person and it is not intended to be a universally accurate depiction of all portfolio management wisdom that exists.

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