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NAV, dividends, returns, portfolio - complete track record of HDFC Index Fund - Sensex Plan - Snapshot. Download free reports. From India's independent mutual fund research house.3/5. For computing ratios, monthly returns for 3 years is taken in the case of Equity and Hybrid funds and weekly returns for years is taken in the case of Debt funds. It is a risk adjusted performance measure. A fund with a higher Sharpe ratio is considered better than a fund with a lower Sharpe.

10/22/2018 | Kitco

Here's why holding largecap funds makes sense: An investor should give a bigger allocation to largecap funds in his portfolio because they hold low Sectors attracting Fund Managers. Reproduction of news articles, photos, videos or any other content in whole or in part in any form or medium without express writtern permission of moneycontrol. Verify your Moneycontrol account.

Multiply your wealth now with multibaggers from poweryourtrade. Have you invested in these stocks? Worldwide developed economies are now stabilized and some economies like the US have started grow- ing at a decent pace. So, according to me, equities will remain in flavour in the years to come. Overall, commodities are down and trapped in over supply with limited demand, I think it will take time [for gold] to come back on track. One can raise money instantly by pledging it in a gold shop or in a bank.

It is prudent to have some amount of gold. However, investing all your money in gold, especially wearable kind jewellery , is a bad idea. On the contrary, buying solid gold like biscuits is a better idea.

Regard- ing rental jewellery, it is not a good idea if there is a big day in your life and you neither want to miss out on wearing some- thing unique at the same time not make a hole in your pocket. Conclusion The verdict is that renting your jewellery is a good idea provided you use these ser- vices after duly checking their creden- tials, especially if you are pledging over Rs 1 lakh for membership sparingly, while continuing to invest in gold. That way, you can save up and attend the par- ties looking fabulous too.

Investors love the IPO space. But sometimes however, investors treat this as easy money. There was a time when the market was inundated with an array of IPOs, and in- vestors believed that any and all IPOs were an opportunity to make money in the short term.

Money was flowing like liquor at a New Year party. But that was during the Great Indian Bull Run. Then came the subprime crisis in the US, and markets crashed. Indian markets gener- ally show higher concern for other econ- omies than their own. Be it for good or bad, the attraction of IPOs gradually fad- ed.

The markets kept falling and so did the confidence of investors. This is exactly the opposite of what it should be. Seven years later, markets seem to have settled down and IPOs are back with a bang. There has been a flurry of offerings in the last year and some of them have turned out to be highly reward- ing for those who invested. However, it is important to note that most of these were listed on the exchang- es when the markets were doing well.

This year is a different ball game, though. Investors are running helter-skel- ter and unsure of when this bloodbath in the markets would end. Experts though, seem to be looking at this phase as a gold- en opportunity to take long positions at an attractive price.

Why do companies go for IPOs? There could be many reasons for this, and could vary from business to business. The primary reason for companies to go public is to raise cap- ital for the business. Typically , companies would be looking to expand their business- es and would require additional capital in this regard.

They believe this would be a good way to raise funds. Lalpath labs Kelkar A lot of com- panies go public to clear off their existing debts. This is not a great sign. An IPO is one way to let everyone know that you mean busi- ness. Most of the companies which ap- peared to be non-existent suddenly gained traction through a public issue.

Investors always reward companies which show consistent financial results. Not just this, even financial institutions such as banks, mutual funds, etc get to know about this. Many a times, the IPO is an exit route for the promoters of the company. They hold stake in the com- pany and keep waiting for this golden opportunity to get out of it.

An IPO is a golden opportunity for investors to invest in a company at cheaper levels. Since list- ing, they have multiplied by many times. Many IPOs get listed at premium. However, it is not a good strategy to invest in an IPO just for the sake of listing gains.

Listing gains depend on the market situation as well. If markets are in a bad shape, as they are now, a compa- ny could even list at a discount.

The busi- ness could well be rolling out an offer at higher price than its current valuations suggest. You could be in trouble in such a scenario. It would be better to wait for the stock to trade at a suitably lower price than to buy in now.

Most of the IPOs are usually a marketing gimmick. Invest- ment bankers, lead managers, and under- writers are all looking to gain the attention of investors for the issue. The more atten- tion the IPO receives, the better the valu- ation promoters can expect to receive. How should you judge an IPO? If at all you are interested in an IPO, read the offer document carefully before invest- ing. However, a typical offer document is about pages and this makes it very difficult to know which sections to focus on.

Let us check some of the parameters to check before jumping in for an IPO: If a reputed promoter is holding a big stake in a com- pany, it suggests confidence of the pro- moter in the business. Half of your job of performing research on the company is done here. The industry in which a com- pany operates plays a vital role in the success of an IPO.

When the industry does well, most of the good stocks in it do well. You would have to judge whether the busi- ness you are investing is part of a boom- ing industry or whether you expect it to boom going forward.

Of course, there are minimum requirements that companies need to meet in order to get listed on the exchanges. However, the com- pany could be going south in terms of annual results.

It is not a great sign for any investor. An important thing to know for an investor is where his money is going to be invested.

A major portion of the funds raised through an IPO should go into avenues which lead to growth and expansion. Final word There is no hard and fast rule that re- quires you to invest in IPOs. You could also pick up quality scrips that are al- ready listed on the exchange. However, if you have enough time to research on a company and believe in its future, an IPO could be a good route to take expo- sure in it.

CIBIL score is based on the past history of the loans taken and the repayment pattern in relation to them. Most borrowers become aware of the low credit score only when their loan applica- tions are rejected. A high score makes your creditworthiness strong and low score indicates low credit worthiness. Low score might portray you as a risky borrow- er and hence result in rejection of your loan applications by the lenders.

Please ensure sufficient funds in your bank account prior to your due date to avoid EMI bouncing. Any bounce in your EMI due to insufficient funds in ac- count could result in adversely affecting your score. In the event of any default, you must immediately approach the lender to pay off the due amount along with the due late payment or penalty charges that may get levied.

This will keep your slate clean. Stop applying for fresh credit Whenever your loan application gets re- jected due to poor credit score, try not to apply again for the loan from any other institution. Every verification initiated by an agency for your CIBIL score will affect your score adversely, by decreasing your score every time you apply.

Hold on for a while and get your credit score checked yourself. This will be considered a soft inquiry and can be used for new applica- tions without affecting your credit score.

Balance out your debt portfolio High number of unsecured loans is bad for your financial health. Unsecured loans here refer to credit card and personal loans in which no securities have been kept with the lender. Loans on securities with the lenders make loans secured, even if the borrower defaults.

Keep a tab on your credit usage If you are using more than two credit cards for your payments, always remem- ber to use them all in a balanced way e. This shows your dependency on the cred- it facility. Lenders might get a negative picture of you although you might be do- ing it deliberately to manage your credit effectively.

Not using credit at all can also have a negative impact. With- out any credit history, there will be noth- ing to build a positive score on. You can save yourself from this either by not being the guarantor of your friend or pay- ing off his balance loan — the choice is yours.

This is the worst mistake by many people while finally settling the loans. Low score might portray you as a risky borrower and result in rejection of your loan applications by the lenders. Adjustment of losses whether on house property, capital gains or business income is an important yet often overlooked aspect of the tax return filing process. By way of a background, the Income Tax Act allows a taxpayer under certain con- ditions to set off loss against income, there- by reducing net tax liability.

If such loss cannot be fully set off, the balance remain- ing can even be carried forward for set-off in future years. It is necessary for every taxpayer to properly understand and take advantage of the facilities in this regard, as this will enable optimisation of the tax return for minimum tax payment.

Inter-Source Adjustment There are five heads of income under which any taxpayer can earn income. Now, by definition, there cannot be a loss from Salary and Income from Other Sources. However, a person could suffer losses from other heads of income. Now the first and foremost rule is that loss under one head of income has to be first adjusted against any income from the same head. This is known as Inter-Source Adjustment. For example, say someone who has two different busi- nesses, one that is loss making and the other one profit making, then the loss from the first one can be set off against the profit from the second one.

Or say if you have two properties, one for self oc- cupation and the other one given out on rent, then the loss from the first property on account of the mortgage interest can be set off against the rental income from the second property.

The only exception in this regard is to do with long-term cap- ital gains, which we shall examine later on in the article. Inter-Head Adjustment Now say after setting off the loss as above, there still remains some balance. This bal- ance loss can then be set off against income from other heads.

This is known as In- ter-Head Adjustment. For example, a tax- payer who has a single self occupied house property bought on mortgage will neces- sarily show a loss. This is because the an- nual value of a single self occupied prop- erty is taken to be nil and the adjustment of any interest will result in a negative value. Now, such a loss may be adjusted against salary income or say income from business, if any. There are two exceptions to the rule of Inter-Head Adjustment: This will enable optimisation of the tax return for minimum tax payment.

Write to them at wonderlandconsultants yahoo. Such a carry forward exercise may be done for eight years. The important point to note is that for carry forward loss- es, only Inter-Source Adjustment is avail- able in the subsequent years and not In- ter-Head Adjustment.

The table encapsu- lates the above discussion. In other words, the Inter-Head Adjustment referred to earlier is not avail- able in the case of capital losses. The second condition in this regard is that long-term capital loss can only be ad- justed against long-term capital gain. Or, putting it differently, short-term capital gain may not be used to set off any long- term capital loss.

However, short-term capital loss can be set off against any tax- able long-term capital gain or short-term capital gain. In a nutshell, long-term capital loss ad- justment can be only done against long- term capital gains whereas short-term capital loss adjustment can be against any capital gains, long-term or short-term.

Lastly, if the income from a particular source is exempted from tax, loss from such a source cannot be set off. Which means, any long-term loss on sale of shares or eq- uity oriented mutual funds cannot be set off at all as the long-term gain from the sale of these instruments is exempted. In other words, loss of profits must be a loss of taxable profits.

The following example explains the above provisions. Therefore, only Rs 15, can be ad- justed and the balance Rs 10, will be non-adjustable. Lastly, note that for being eligible to car- ry forward and set-off any loss, it is import- ant to file the tax return by the specified due date.

If the loss return is submitted after the due date, the authorities may con- done the delay only if satisfied that it was due to genuine hardship on the part of the taxpayer Circular No. F In a nutshell, long-term capital loss adjustment can be only done against long- term capital gains, whereas short-term capital loss adjustment can be against any capital gains, long-term or short-term Carry forward of losses Type of loss to be carried forward to subsequent year s Income against which carried forward loss can be set off in next year s For how many years loss can be carried forward 1.

Business loss Any business profit 8 years 3. Globally, equities outperformed other asset classes marginally in Global markets are stepping into with confidence about the sustainability of economic growth, which is expected to We select 20 stocks large-cap and mid-cap that will keep your portfolio healthy this year By Team Finapolis TopStockPicksfor EQUITY. The Eurozone is expected to record a growth of 1. Growth momentum in the largest economy i. China, will be the major themes which could induce volatility in the global finan- cial markets, going forward.

Indian markets could have realised fully the benefits of the macroeconomic improve- ments had there been a little more political consensus on key policy issues like the passing of the goods and services tax GST bill. DIIs turn net buyers Another important development has been the emergence of do- mestic institutional investors DIIs as the dominant players in providing support to the market.

DIIs turned net buyers to the tune of Rs 70, crore in after being net sellers in the previous three years. From Paris to Pathankot, fear has gripped the hearts and minds of many; while Paris was a Mumbai like attack directed at the populace of a city, the attack in Pathankot was a surgical strike to infiltrate a military installation.

Whatever be the form or modus operandi of such attacks, it is the common man on the street who is most vulnerable. But is there anything we can do if faced with such a horrific situation? The good news is yes, you can. There are certain measures that you can take to prevent financial losses in case of any injury or death due to such an attack.

The first step would be to find life in- surance or healthcare insurance plans that cover the risk of ter- rorist attacks. Most insurance plans cover for financial losses arising out of terror- ist attacks, while some also offer cover against hijackings. In the wake of so many terrorist attacks, some insurers have also begun offering pure protection plans against terrorist attacks. However, a lot of ambigu- ity still exists in general insurance plans that cover terrorist attacks, as most trav- el, mediclaim or personal accident plans have restrictions.

For example, life insurance companies will compensate the nominee of a dis- eased person for all reasons of death ex- cept suicide.

This includes death due to terrorism, so there is no reason to buy additional cover if you have a term life insurance policy. However, a term life insurance policy covers only death; injuries arising out of terror attacks are not covered by such policies.

For that, you would need a per- sonal accident cover which can be pur- chased as a rider with your life insurance policy, or separately. Then too, major surgeries arising out of terror attacks are not covered under most personal accident covers.

Mediclaim policies will cover charges for hospitalisation and medical treat- ment as a result of a terror attack, but these do not offer any death benefit. The protection offered by certain com- prehensive health insurance plans in- clude ambulance, pre- and post-hospital- isation charges.

Before you purchase a policy, it is important to understand the risk that you would be exposing yourself to.

If you are travelling to a for- eign place, for example, read the travel advisories issued by vari- ous governments and buy travel insurance that covers hospital- isation charges incurred due to terrorist attack. Your claim could be rejected if you travel to a country or place that has a high probability of a terrorist attack and do not have specific coverage for the same.

Some countries make it man- datory to have travel insurance before travelling there. For ex- ample it is necessary to purchase travel insurance before travel- ling to any of the 26 countries that form the European Union. A plan would typically cover: It is beyond the common man or even an intelligence agency expert to predict ac- curately when and where an attack can take place. So, your only defense is to be prepared to bear financial consequences of being caught in such a situation.

The author is the CEO of MyInsuranceClub, an insurance price and features comparison site in India by invite When buying insurance, check for clauses that offer protection against terror attacks. It is also one of the leading Sil- ver producers in the world. It is one of the lowest cost producers in the world and are well placed to serve the growing demand of Asian countries.

Current Market Price Rs The stock had been consolidationintherangeoflevels in the weak market conditions. X X The stock gave a consolidation breakout in the month of May and made a 52 week high of Later, the stock entered in to price- wise correction which dragged the count- er again to the breakout levels of X X At current levels, the stock is expected to re-gain its bullish momentum and move towards the 52 week high levels of levels in medium term perspec- tive.

In the recent scenario, the stock witnessed good trading volumes from the support levels of and entered in to the cluster of short to medium term mov- ing averages. X X We recommend medium- to long-term investors to buy the stocks at current levels and accumulate more on any dips towards levels with stop loss placed below levels.

On daily charts the stock is trading above its DEMA which is at The stock has major support levels in the range of The stock made a low of on January 18 and since then it is con- solidating in a range of The next Current Market Price Rs In the chart above, it is clearly seen that the stock also witnessed superb accumulation within a broad range of 1,, during second half of Considering the fact that the stock has zoomed more than three- fold within a period of just more than two years, we feel that the stock can actually put up a similar performance over the next year as well.

Points of Observation X X On the daily charts, the stock is trading above all its major moving averages, in- dicating the bullishness in the counter and any dip towards the moving averag- es can be used as buying opportunity. X X The stock has seen fresh accumulation in last couple session indicated with steep rise in price along with the in- crease in the volumes. The stock has immediate strong support paced at levels and the uptrend is expected to continue in the stock till its stays above the levels.

X X Among oscillators, the month RSI line is trading in the overbought terri- tory from a very long time and any dip can be used for fresh accumulation. X X We therefore recommend long term in- vestors to go long in the stock on dips to 1,, and average the long position on dips, if any, around the level of 1, for the mentioned target levels with a strict stop loss placed below the level of 1, on a weekly closing basis.

The current correction seems to be almost over and the stock is likely to consolidate near its support levels and start its up-move in next few days.

Points of Observation X X On the daily charts, the stock is trading above its day exponential moving average, and has taken support at its ma- jordailyandweeklysupportlevelswhich are placed in the range of The stock has been witnessing accumulation from the last trading sessions near its support levels with decent volumes. X X Among oscillators, the period RSI on daily charts has recovered from its over- sold zone and is currently sustaining above 30 levels, indicating the correction in almost over and the stock can once again move northward in coming days.

X X On weekly charts the stock is making higher high and higher lows and has tak- en support of its previous breakout levels of and the same levels also coincides with its 50 period EMA and it is highly likely that it will continue in its uptrend. X X The stock is trading near its long term upward sloping trend-line which is like- ly to act as a very strong support zone and unless the trend-line is broken the long- term trend for stock is likely to continue.

T he monthly chart structure of this fundamentally strong stock, sug- gests formation of cycles of higher highs and higher lows, supported by stellar volumes at higher levels, clearly indicating there is a lot of demand for the stock even at higher levels which is a positive sign in itself.

Bajaj Finserv is in a structural up- trend and looks well set to march steadily towards the 2,, mark over the next months. The stock has been relentless- ly rallying from its December, low of The company has operations in more than 60 countries. Over Emami products are sold around the world. After hitting the lows of , over last few weeks, the stock is consolidating in a broad range of , indicating a possi- ble pause for next up move.

Going forward, until the stock holds above levels, it has the potential to rally towards its major previous swing highs zone of and above it towards another swing highs zone of in the coming months. Points of Observation X X The stock on weekly chart has been re- specting its medium term moving aver- ages and bouncing back with decent volume activity, indicating strong hands are playing in the counter. X X Among oscillators on weekly charts, the period RSI line is trading at a reading of 45, indicating the stock has more up- side and any dip can be used for fresh accumulation.

X X We therefore recommend medium to long term investors with a time frame of four to six months to buy the stock in the range of , and average on dips to- wards for the mentioned target levels with a strict stop loss placed below the level of The stock made a low of on 19th January and showed smart recovery from those levels and is currently trading around lev- els.

The next major monthly support is around levels which are also around its previous breakout levels. Points of Observation X X On the daily charts, the stock is making higher high and a higher low even in turbulent market conditions indicating the inherent strength in the counter and is likely to head northward towards its previous high in short term.

X X The stock has been witnessing accumu- lation from the last trading sessions near its support levels with decent vol- umes. The stock has a strong support at around levels and is likely to head towards levels, if a breakout above is sustained.

X X Among oscillators, the period RSI on daily charts is sustaining above 50 lev- els, indicating the stock has strength and price can rise in medium term. X X On weekly charts the stock has taken support of its previous breakout levels of , and it is highly likely that it will continue in its uptrend.

X X The period RSI on weekly charts is still sustaining above 70 levels, which very clearly indicates that the momen- tum is still intact and the stock still has strength for next round of up-moves in coming days. And if the investment decision is wrong, things can go haywire for the in- vestor. So, a call to invest should be taken with due assiduity by taking into consid- eration all factors that can directly or indirectly influence the investment in hand.

The same pertains to investments in mutual funds too. These funds are professionally managed and the fund managers will embolden investors with their expert advice on investment. The main attraction of mutual funds is that they are less risky as diversification mostly comes into play. Keeping this in mind, one should con- sider the following points before invest- ing in a mutual fund scheme: It is imperative to determine the credi- bility of the fund house under consider- ation before taking the mutual fund plunge.

Also, try to bank on a fund house that has proved its mettle. Finally, try to determine how transparent has the fund house been in its dealings. Where a particular scheme stands is an- other important point to be considered. Track the past record of the scheme and find out whether unit-holders have bene- fitted from it. These details should be the benchmark based on which investors should take their call.

The assets under management, or how much money has been invested in the fund scheme, is another telling indicator of popularity and consistent performance. Always gauge the mood of the market before joining a mutual fund scheme. One should know the risk at hand and the quantum of market volatility. If the mar- ket is risky, go in for a scheme that has a prudent equity-debt ratio, as the risk will be mostly evenly distributed.

It could also be better to opt for balanced funds, which are helpful while tiding over perceivable market inconsistencies. Small or mid-cap funds are suited for long-term goals, while fixed-income fund schemes are better suited to short-term goals. An investor should find out whether the fund corpus is invested in mid- or small-cap equity or short-term debt papers. It is important to know the risk on an intended MF investment, so check the mandatory riskometer in every mutual fund brochure to get a clear idea of the risk involved in each fund.

Recently, mar- ket regulator SEBI made it compulsory for fund houses to display easy-to-under- stand infographics on the risk of each fund. The riskometer has five levels of risks low, moderately low, moderate, moderately high and high.

An investor should read the brochure properly to gauge the viability of a particular mutu- al fund. Ratings of the scheme by reputed ratings agencies also help garner valu- able insights into the risk levels associ- ated with the scheme.

Meanwhile, one should also keep in mind any proposed legislation. SEBI intends to put curbs on mutual fund investment in rated debt instruments. When the new norms are in place, the fund houses will be forced to reduce concentration in holdings if any. This will help in more diversification and reduce their risk. Conclusion The mutual fund industry has witnessed lots of changes in the recent past with more international players coming to the country. With this comes a plethora of fund schemes to choose from.

The central point is to select a fund scheme that helps one realise financial goals, is transparent and consistent in performance, and has a sound investment philosophy. F The main attraction of mutual funds is that they are less risky as diversification comes into play.

The commerce graduate and chartered accountant tells The Finapolis she is bullish on industrial, construction and cement. Equity as an asset class would do well in as the markets are factoring in many negatives like lower domestic growth, problems in China, low- er commodity prices and weaker currency and valuations are looking more reason- able now.

Which sectors would you focus on in the coming years? We like industrial, construction, ce- ment and consumer discretionary sectors, which would benefit from the upswing in the economy. SBI Blue Chip Fund has been an excep- tional performer in the past few years in the large cap segment. What do you attribute the success of the fund to?

The portfolio has benefited a lot from the bottom-up stock selection within each sector. Our internal research team has contributed meaningfully towards this.

In general, we benefitted from being over- weight on consumer discretionary and pharmaceutical sectors and underweight on financials, energy and utilities.

The market has been extremely bearish for the past six months or so. Were you prepared for this kind of a scenario? We expected the domestic recovery to be gradual and anticipated that the prob- lems in the financial sector would take time to be sorted out.

So we positioned the portfolio accordingly. However, the crash in commodity prices and growth concerns over China have been more than anticipat- ed and taking longer time to be sorted out. What is your stock selection strategy and how is it different compared to peers? We look for long-term visibility of growth and efficient capital allocation while looking for stock ideas. Our preferred choices are com- panies which invest in long-term growth, execute well and which are less dependent on external environment for growth.

How do you see the downfall of the markets around the globe, especially China, weighing on the Indian markets? We are witnessing outflows by Foreign Institutional Investors pressurising valu- ations in our markets. Obviously, the glob- al slowdown would also delay the recovery in India as exports would take a long time to pick up. Given that our currency has also depreciated and that we are a major importer of crude, our export competitive- ness may not get very much impacted by the devaluation of the Chinese yuan.

Do you think the government is rolling out enough reforms to accelerate growth in the economy? The government is trying to put in order many sectors and I would say prog- ress is being made in power, defence, rail- ways and roads. However, it has not been able to get political consensus around key bills, which is a dampner. What is your expectation from the up- coming Union Budget? Over the years, the Union Budgets are becoming less of an event, as much more work on reforms and policy happens out- side of it.

However, market participants would look for a fiscal roadmap and over- all government borrowing levels for the next year and the means by which the government targets to fund this.

What is your advice to investors in the current scenario with respect to invest- ing in equity related instruments? The markets have corrected meaning- fully since the beginning of the calendar year, and valuations are comfortable even after factoring slower economic recovery and lower earnings growth. Investors should start investing in equities, which as an asset class can give better returns over other asset classes like fixed income, real estate or gold.

Address for communication IwouldliketosubscribetoTheFinapolisfortheperiod indicated below by post: See more EPI news Indicator Value 52 Week High You must be logged in to access watchlists Sign up Login. You must be logged in to access portfolios Sign up Login.

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The pricing of the gold stocks can be monitored in real time

The problem is, most of the shale producers have huge outstand- ing loans and closing down would mean default. If you are already invested in this scheme, you may continue to stay invested.

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