tag:blogger.com,1999:blog-13075823.post2255469581042540280..comments2024-01-23T15:49:52.919+05:30Comments on Personal Finance in India - the not so obvious stuff: Lump sum vs SIP in ELSSVivek Venugopalanhttp://www.blogger.com/profile/05210657514336864032noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-13075823.post-9468032427375232162009-03-20T12:14:00.000+05:302009-03-20T12:14:00.000+05:30In this market if you see the amount of investment...In this market if you see the amount of investment left after this blood bath then you can see that people who have invested in lumpsum have lost more and those who have invested in SIP have lost less so i think it is more advisable to enter a SIP rather than a lumpsum.<BR/><BR/>And in these days if any new fund house is coming up with an NFO then i think that will be good to get started into.<BR/><BR/>As all the existing funds have invested their some amount of corpus if not all and as this is the right time to invest in equity so i think a new fund will be in a better position to give good results.Smart Investmentshttps://www.blogger.com/profile/14535737351435712191noreply@blogger.comtag:blogger.com,1999:blog-13075823.post-63800369842371878952008-12-24T23:55:00.000+05:302008-12-24T23:55:00.000+05:30For a more informed investor who has the time to r...For a more informed investor who has the time to research, I would recommend selecting mutual fund schemes to invest in based on the following criteria.<BR/><BR/>1. Longterm Performance , consistency in Returns<BR/>2. Short Term Performance (though a fund has performed well in the past, is there a let down in short to mid term performance)<BR/>3. Performance across market cycles, like during bullish and bearish phases (how well did the fund perform during the bearish phases)<BR/>4. Fund Corpus (When selecting midcap funds, the corpus size is very important)<BR/>5. Fund Managers performance with the scheme(If a fund just got a new fund manager, I would observe the performance under this new manager before I select the fund)<BR/>6. For equity mutual funds, one will also need to evaluate risk. (Exposure to midcaps, Standard Deviation of the fund)<BR/>7. For debt mutual funds, apart from risk one also need to examine entry/exit loads and expense ratio are very important.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-13075823.post-21929334256665701032008-12-09T15:07:00.001+05:302008-12-09T15:07:00.001+05:30You can’t open a newspaper or read a magazine with...You can’t open a newspaper or read a magazine without seeing ads promoting the stellar performance of “hot” mutual funds. But past performance is not as important as you may think, especially the short-term performance of relatively new or small funds. As with any investment, a fund’s past performance is no guarantee of its future success. Over the long-term, the success (or failure) of your investment in a fund also will depend on factors such as<BR/>the fund’s sales charges, fees, and expenses; <BR/>the taxes you may have to pay when you receive a distribution; <BR/>the age and size of the fund; <BR/>the fund’s risks and volatility; and <BR/>recent changes in the fund’s operations. <BR/>So, look at more than the fund’s past performance when making your investment decisions. Read the fund’s prospectus and shareholder reports,Anonymousnoreply@blogger.com