[sharmanova]

Originally Posted by deathwalkr

Sorry for asking something obvious, but have you tried mailing them? I had a similar issue with Axis MF and a mail was all it took to solve my problem.

Not yet, but I'll definitely mail them

Originally Posted by DaptChatterjee

To avoid losses, just don’t sell when market crashes. It will come up again.

We're aware of that, but plan is to accumulate more units incase the market crashes.

Yes, I've registered on the MF Central app and discovered another MF investment my dad had made, but forgotten about!

Yes, I am referring to HDFC Mutual fund AMC.

[warrioraks]

Originally Posted by Vijin

However, if all the money in the mutual funds are essentially held by banks, then why is there such a concern regarding the lag in deposit growth? This should help the banks' ability to secure adequate funding for loans, no?

Originally Posted by SmartCat

Don't read too much into bank's deposit growth problem news.

Adding to what SmartCat said, the Q2 numbers came out last week. For most banks, deposit growth outpaced credit growth. So there is no real stress in the system. This entire narrative of bank deposits not growing is a misplaced narrative in the media. Few examples:
- HDFC Bank reported that its deposits grew at more than twice the pace of credit growth
- IndusInd Bank showed a similar trend
- YES Bank’s overall advances were up 13 per cent while deposits climbed by 18 per cent

Top private banks’ Q2 biz updates see higher deposit growth than credit

[VWAllstar]

I was trying out SWP on Upstox Mobile (Android) App and also on Web. However I couldn't find any details/steps to setup SWP. Reached out their customer care and there are conflicting answers. The BOT gives out steps to setup but there is no such option as SWP as mentioned in the steps. Then had a chat with a human agent and she informed me that Upstox does not have a feature to setup SWP. Has anyone of you initiated SWP especially on Upstox? I know it can be done manually but auto SWP would help. On paper the calculations make sense however in reality too the same?

Also not able to find a calculator for SWP with lump sum and SIP together.

Example: Rs. 2,50,000/- lump sum in a balanced advantage fund
SIP: Rs. 5000/- per month
SWP: Rs. 2500/- per month

Then what would be the balance post 4 years with an expected return of 12% yearly.

PS: I have calculated separately with SIP Calculator and SWP calculator. However with an assumption that both together does not have any impact on the overall balance.

[Naetik30]

Originally Posted by VWAllstar

Also not able to find a calculator for SWP with lump sum and SIP together.

Example: Rs. 2,50,000/- lump sum in a balanced advantage fund
SIP: Rs. 5000/- per month
SWP: Rs. 2500/- per month

Then what would be the balance post 4 years with an expected return of 12% yearly.

.

Interesting. Would love to understand the reason for such a setup.
But about the calculation - I think you can just calculate the returns on SIP for 5000-2500 per month (2500 net per month as SIP) over 4 years with 12% expectation on a regular SIP calculator. That should do it.

[VWAllstar]

Originally Posted by Naetik30

Interesting. Would love to understand the reason for such a setup.
But about the calculation - I think you can just calculate the returns on SIP for 5000-2500 per month (2500 net per month as SIP) over 4 years with 12% expectation on a regular SIP calculator. That should do it.

I am trying to understand the methodology and benefits of SWP. The case presented is considering someone who has a car/bike loan of say Rs. 1,00,000/- for 4 years @ 8.xx% interest. The total payback to the bank post 4 years would be approximately Rs. 1,25,000/- With Rs. 2,50,000 lump sum and SWP of Rs. 2500 per month for 4 years, would mean you have furnished the principal plus interest, Rs. 1,20,000. However, the balance has grown to approximately Rs. 2,80,000/- which mean you have earned back the interest component you paid the bank as well as there is no deduction in the lump sum amount.

The calculation you have suggested does not factor the lump sum amount.

[Naetik30]

Originally Posted by VWAllstar

The calculation you have does not factor the lump sum amount.

Just add 'return of 12% on the lumpsum' to 'the return on the SIP of INR 2500'.

[vaibhav_a_a]

Originally Posted by S_U_N

From 01 February 2021 till date, the Hang Seng Index has gone down by 52%.

I know of one fund which invests in HK. https://www.miraeassetmf.co.in/mutua...-seng-tech-etf

Which are the other funds?

It gave an incredible 50% point to point return in a few months till start of October this year. A colleague cashed in, or so i hear....

[vaibhav_a_a]

Is anyone stocking up on Silver ETFs? What's your horizon and price target?

[realactivex]

Originally Posted by VWAllstar

I was trying out SWP on Upstox Mobile (Android) App and also on Web. However I couldn't find any details/steps to setup SWP. Reached out their customer care and there are conflicting answers. The BOT gives out steps to setup but there is no such option as SWP as mentioned in the steps. Then had a chat with a human agent and she informed me that Upstox does not have a feature to setup SWP. Has anyone of you initiated SWP especially on Upstox? I know it can be done manually but auto SWP would help. On paper the calculations make sense however in reality too the same?

Also not able to find a calculator for SWP with lump sum and SIP together.

Example: Rs. 2,50,000/- lump sum in a balanced advantage fund
SIP: Rs. 5000/- per month
SWP: Rs. 2500/- per month

Then what would be the balance post 4 years with an expected return of 12% yearly.

PS: I have calculated separately with SIP Calculator and SWP calculator. However with an assumption that both together does not have any impact on the overall balance.

Why SIP 5000 and SWP 2500?
Instead you might just SIP Rs2500 (which is SIP amount- SWP amount) and save on transaction fees.
Also be aware that some SWPs have a lock in period from a taxation and fees perspective.

[kap04]

Any idea why arbitrage funds are seeing a decline in their AUM nowadays?

https://economictimes.indiatimes.com.../114346334.cms

[warrioraks]

Value research is giving away their 3 year MF Insight subscription for Rs 599. Has anyone subscribed to it and is it worth it?

[warrioraks]

Originally Posted by warrioraks

Value research is giving away their 3 year MF Insight subscription for Rs 599. Has anyone subscribed to it and is it worth it?

Bumping this once to see if there is anyone with experience on ValueResearch subscription.

[whitewing]

Originally Posted by warrioraks

Bumping this once to see if there is anyone with experience on ValueResearch subscription.

I took up a MF insight subscription a few years ago (did not continue with the same) and am a current subscriber to Wealth Insight. Both paper editions, excellent paper quality I must say.

The MF insight, I did not find much value - It had some general articles on investing which are really useful and some are timeless, BUT, the same article would also be available on their web site for free.
They would profile a few MF managers and analyze some of the schemes - to me this was largely noise - I did not have the time/mindspace to correlate the investment hypothesis of the manager to what they did with the AUM.

The web site IIRC provides some additional information and filters for a subscriber - these were 'kind of" useful compared to the free login.
I did put some money in gilt funds based on the ratings in the web site.

The wealth insight magazine is also similarly structured but more focused on individual stocks, they profiles multiple companies across segments- this has served as a very good start point to look deeper into specific stocks. And I found more suited to my investment approach.

[fhdowntheline]

Intersting data of state wise AUM share in Mutual funds.
https://www.businesstoday.in/persona...190-2024-10-31

I am a bit surprised that KA and TN figure lower in the list.

[SmartCat]

Originally Posted by fhdowntheline

Intersting data of state wise AUM share in Mutual funds.I am a bit surprised that KA and TN figure lower in the list.

- Total AUM includes significant contribution from debt MFs. And corporates are the biggest investors in debt MFs.

- Karnataka/TN is among top 3 or 5 in total/debt only/equity only, which is expected.

- WB makes an entry in Top 5 simply because lots of old companies in India are headquartered in Kolkata (ITC, RPG Group, Britannia etc). These companies might be getting 95% of their revenues from rest of India, but when they invest in mutual funds or pay taxes, it is attributed to which state these companies are HQed in. That's why we hear the silly line "Mumbai accounts for 30% of taxes"

- State contribution to AUM also depends on (population x GDP per capita). While Karnataka/TN have high GDP per capita, their population is equal to Delhi NCR region. Maharashtra population is 2x that of Karnataka/TN.