r. n. i. no. : maheng / 2000 / 1238 postal regd. no.:pcw...

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Volume - 19 Issue - 11 March 2018

Regd. Off. : Ackruti Sankul, Shop No. 118 / 119, Sadashiv Peth, Next to Bank of Maharashtra, Tilak Road Pune - 411030, Tel.: 24320168, 8087030279, Email: [email protected]

Visit Our Web Site : www.vijayfinancial.com

Mutual Fund investment are subject to market risks, read all scheme related documents carefully before investing.

R. N. I. No. : MAHENG / 2000 / 1238 Postal Regd. No.:PCW/027/2018-20Posted at "Market Yard PSO, Pune - 411037 Date of Publication & Posting 6.02.2018

VIJAY INVESTMENT NEWS

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thImagine a 50-overs cricket match in which #6 batsman walks in to bat only in the 5

over. His job is to first ensure he does not lose the wicket, and then focus on

scoring runs.

While saving is a must for investing, it is important to save one’s wicket in order to

be able to score later. One can save the wicket by playing defensive cricket and

avoiding all sorts of shots. But that would result in a very low score. He would need

to hit some boundaries by taking certain risks like lofted shots or drives between

fielders or cuts and nudges.

Similarly, in order to accumulate large sums to meet one’s financial goals, in order

to beat inflation, one must take certain investment risks. Investing is all about

taking calculated risks and managing the same, not avoiding the risks altogether.

At the same time, in the cricket analogy, in order to stay at the crease as well as

score runs, one must take calculated risks and not play rash shots. Taking

unnecessary risks is a bad strategy.

So while saving is necessary, investing is very important to achieve long term

goals.

Why is investing better than saving?

(Source : Mutual Funds Sahi Hai)

“Mutual Funds could be a good saving tool for short term.”

“You must be patient with your Mutual Fund investments. It takes time to deliver

results.”

People regularly come across both the above statements, which are clearly

contradictory.

So what period are Mutual Funds suitable for? Short term or long term?

Well, that depends on what one’s investment goals are, and most goals are driven

by time. There are schemes suitable for short periods, there are several schemes

suitable for longer horizon, and then, there are schemes for any period in-between.

Define your financial goals, and then decide where you want to invest.

For example;

1. Equity-oriented Mutual Funds- Look for longer periods, typically 5 years and

above.

2. Fixed Income oriented Mutual Funds-

1. Liquid Funds - For very short term – Less than 1 year

2. Short Term Bond Funds – For the medium term – 1 to 3 years.

3. Long Term Bond Funds - For the long term – 3 years or more

Know your goals, and invest!

Long term. Short term. Your choice.Are Mutual Funds ideal for short term or long term?


March 2018 (2)

Investment Objective : To provide income distribution and / or medium to long term capital gains while at all times emphasising the importance of capital appreciation.


HDFC Retirement Savings FundInvestment Objective : The investment objective of the Investment Plans offered under the Scheme is to generate a corpus to provide for pension to an investor in the form of income to the extent of the redemption value of their holding after the age of 60 years by investing in a mix of securities comprising of equity, equity related instruments and/or Debt/Money Market Instruments.

The product is suitable for investors who are seeking:*

HDFC Retirement Savings Fund- Equity PlanA corpus to provide for pension in the form of income to the extent of the redemption value of their holding after the age of 60 years. Investment predominantly in equity and equity related instruments

HDFC Retirement Savings Fund- Hybrid- Equity PlanA corpus to provide for pension in the form of income to the extent of the redemption value of their holding after the age of 60 years.Investment predominantly in equity and equity related instruments & balance in debt and money market instruments.

HDFC Retirement Savings Fund- Hybrid- Debt PlanA corpus to provide for pension in the form of income to the extent of the redemption value of their holding after the age of 60 years.Investment predominantly in debt and money market instruments & balance in equity and equity related instruments.

(Upon completion of lock-in period of 5 years)

AN OPEN ENDED

NOTIFIED

TAX SAVINGS

CUM

PENSION SCHEME

WITH

NO ASSURED

RETURNS

Over the years, investing in mutual funds has emerged as a popular option among a vast

population of investors with varied incomes and risk appetites as mutual funds have outperformed

most investments avenues in last few years. However, there are many myths or misconceptions

related to mutual fund investment which may result in a wrong investment decision.

History will always repeat

Everyone who tends to invest in mutual funds first looks at the historic performance of the fund and

then decides to make the investment. Therefore we can clearly say everyone feels the future

performance will be linked to the previous performance and will fall in line. If future was based on

past, every analyst would have made money thick & fast which is clearly a myth.

Lower the NAV, cheaper is my fund

Commonly believed that when the NAV is lower, the fund is cheaper and hence will provide higher

returns. NAV is nothing but the current market value of the portfolio today. Older the fund, higher is

the NAV as the market value grows over a period of time.

The investment has to be for very long-term

When someone suggests a mutual fund, the first question asked is whether it is “long-term “

investment. The fact is it’s good if you invest for a very long term, as you reap the benefits of

compounding, but one who needs money sooner can also invest with a view of getting the better

return than other asset classes. There are multiple schemes to choose from that suit different types

of investors.

The investment sum has to be big!!

A common myth among investors is everyone feels one must have a large number of funds to

invest in a mutual fund. But the ground reality is that you can start investing in a fund with as small

as Rs 500 only.

One can add or subtract stocks according to their choice

There is a common myth in everyone’s mind that you can customise your portfolio, that is, one can

add or subtract a particular stock from a fund if you want which is clearly not true as this feature is

only available in PMS (Portfolio Management Services) and is outside the scope of mutual funds.

Mutual fund equals to no risk

Many mutual fund investors feel making investments in any scheme is risk-free and it is certain that

it will perform around their expected mark, which is the reason regulators have made it compulsory

for the fund runners to apprise the client about the risks of the investments. This acknowledgment

is always made to you, when you sign the document of an agreement while investing, which is

often missed by investors.

Investing in higher rated funds will fetch higher returns

People believe that the fund which has the highest ratings are safe and will give the best returns.

The truth is mutual fund ratings are dynamic and are based on the performance of the fund at that

given point. So, a fund that is rated highly today, may not necessarily maintain its high rating

tomorrow and it also doesn’t guarantee a better performance going forward.

Dividend declared by mutual funds are windfall income

Mutual fund dividends are not windfall income as it is often projected to be. The dividend amount is

paid out of investor’s own investment and hence, the fund’s NAV gets reduced by the amount paid

as dividend. Moreover, the dividend amount is calculated on the fund’s face value, not the NAV. For

example, assume that a scheme with a NAV of ` 40 declares a 30% dividend. The dividend

amount, in this case, would be ̀ 3 (30% of ̀ 10 face value) and the NAV of that scheme will come

down to ̀ 37 after the dividend record date.

Know the common myths related to mutual fund investing

If future was based on past, every analyst would have made money thick & fast which is clearlya myth.

(Source : Moneycontrol)

What are some mistakes people makewhen investing in Mutual Funds?

Making a mistake while investing happens across all investments, and Mutual Funds are no different.

Some of the common mistakes while investing in Mutual Funds are:

Investing without understanding the product: For example, equity funds are meant for the long term, but investors look for easy returns in the short term.

Investing without knowing the risk factors: All Mutual Fund schemes have certain risk factors. Investors need to understand them before making an investment.

Not investing the right amount: Sometimes people invest randomly, often without a goal or plan. In such cases, the amount invested may not yield the desired result.

Redeeming too early: Investors sometimes lose patience or do not give the requisite time for an investment to provide the desired rate of return, and hence redeem prematurely.

Joining the herd: Very often, investors do not exercise individual judgement and get carried away by the buzz in the 'market' or 'media', and thus make the wrong choice.

Investing without a plan: This is perhaps the biggest mistake. Every single rupee invested needs to have a plan or goal.


Vijay Investment News

Selected Equity Diversified Scheme Performance


SYSTEMATIC INVESTMENT PLAN (SIP)

Large Cap Funds - Performance at a glance as on 27.02.2018 Mid and Small Cap Funds - Performance at a glance as on 27.02.2018Selected Equity Diversified Scheme Performance

Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investment.

March 2018 (3)

und Name Launch

Date 1Year 3Years 5Years

Dividend Growth

Aditya Birla SL Frontline Equity Aug-02 27.31 217.04 16.43 8.87 17.48

DSPBR Top 100 Equity Fund Mar-03 21.34 199.79 14.67 6.32 13.53

Franklin India Bluechip Dec-93 40.41 454.56 13.65 8.22 14.34

Franklin India Prima Plus Sep-94 38.57 584.91 16.07 9.85 19.05

HDFC Top 200 Fund Sep-96 56.41 453.34 16.80 8.50 15.74

ICICI Pru Focused Bluechip Equity May-08 22.22 40.13 19.61 9.70 17.21

Kotak Select Focus Fund Sep-09 23.44 32.87 18.29 11.84 20.99

L & T India Large Cap Oct-03 17.34 25.90 17.77 6.46 15.65

Mirae Asset India Opp. Apr-08 20.39 47.19 22.93 12.79 21.28

Motilal Oswal Most Focused 25 May-13 17.81 21.26 17.90 9.11 N.A

Reliance Top 200 Fund Aug-07 16.64 32.72 22.84 9.62 18.56

Reliance Focused Large Cap Fund Mar-06 18.40 30.04 14.63 7.23 15.57

SBI Magnum Equity Jan-91 33.44 95.76 15.36 7.62 15.09

Tata Large cap Fund May-98 45.49 208.55 16.73 6.93 14.61

UTI Equity Fund May-92 98.78 129.80 17.84 7.71 16.37

Returns (%)NAV Returns (%)NAV

Balanced Funds (Hybrid Fund)- Performance as on 27.02.2018Fund Name Launch

Date 1Year 3Years 5Years Dividend Growth

Aditya Birla Sun Life Balanced '95 Feb-95 146.89 748.59 13.74 9.52 17.04

DSPBR Balanced Fund May-99 14.99 145.58 14.35 10.69 16.22

Franklin India Balanced Fund Dec-99 23.29 114.55 11.74 8.29 16.21

HDFC Balanced Fund Sep-00 31.84 149.39 17.75 11.34 19.26

HDFC Prudence Fund Feb-94 31.06 506.56 15.26 9.95 17.16

ICICI Prudential Balanced Fund Nov-99 13.85 128.64 14.89 11.17 18.46

ICICI Prudential Balanced Advant. Dec-06 11.91 33.23 12.19 9.26 14.53

L&T India Prudence Fund Jan-11 13.70 26.08 16.32 10.48 18.65

Reliance Regular Savings Fund Jun-05 15.84 55.11 18.56 11.32 17.41

SBI Magnum Balanced Fund Dec-95 29.24 125.40 17.75 9.64 17.44

Tata Balanced Fund Oct-95 67.14 206.56 10.69 6.46 16.64

UTI Balanced Fund May-95 30.39 170.51 15.15 9.52 14.8

Returns (%)NAV

Equity Linked Savings Schemes- Performance as on 27.02.2018Fund Name Launch

Date Dividend Growth 1Year 3Years 5Years

Axis Long Term Equity Dec-09 24.08 41.17 25.43 10.20 23.62

Aditya Birla SL Tax Relief 96 Mar-96 157.72 30.98 27.70 12.33 22.43

BNP Par Long Term Eq. Jan-06 17.84 37.22 20.67 7.61 17.83

Canara RB Equity Tax Mar-93 25.41 59.5 20.94 7.38 15.73

DSPBR Tax Saver Jan-07 16.83 46.27 17.90 12.62 20.62

Franklin India Taxshield Apr-99 43.38 548.14 14.48 8.91 18.40

HDFC LT Advantage Jan-01 46.17 343.51 21.39 12.16 18.74

HDFC Tax Saver Mar-96 68.37 528.42 18.35 8.72 17.79

ICICI Pru LT Equity Fund Aug-99 23.60 354.23 14.52 8.12 18.45

IDFC Tax Advantage Dec-08 18.03 58.30 33.92 14.05 21.89

IDBI Equity Advantage Sep-13 20.40 26.68 24.04 8.87 N.A

Kotak Tax Saver Nov-05 19.49 41.14 14.14 8.92 16.59

L&T Tax Advantage Feb-06 25.54 56.15 26.20 13.92 19.97

Motilal Oswal Most Focused Long Term Jan-15 16.28 17.90 26.96 19.34 N.A

Mirae Asset Tax Saver Fund Dec-15 15.76 16.45 27.84 N.A N.A

Reliance Tax Saver Sep-05 13.43 63.57 20.31 8.40 22.86

SBI Mag. TaxGain Mar-93 47.38 144.62 18.52 7.71 17.67

Tata India Tax Savings Fund Mar-96 17.56 76.96 24.74 13.42 21.06

UTI Long Term Equity Dec-96 19.69 86.62 17.54 8.52 16.25

Returns (%)NAV

Fund Name Launch Date 1Year 3Years 5Years Dividend Growth

Aditya Birla Sun Life Pure Value Mar-08 34.56 64.39 29.86 18.96 29.67

Canara RB Equity Diversified Sep-03 35.87 123.21 23.17 7.62 15.19

DSPBR Small and Mid Cap Nov-06 26.35 56.13 20.80 15.71 25.42

Franklin India Prima Fund Dec-91 68.89 983.38 20.42 13.77 25.63

Franklin India Smaller Companies Jan-06 29.70 60.67 25.10 16.68 29.96

Franklin India High Growth Companies Jul-07 25.41 39.45 16.47 9.67 22.79

HDFC Midcap Opportunities Fund Jun-07 34.91 56.94 20.68 15.71 26.41

ICICI Prudential Value Discovery Aug-04 34.18 144.47 12.92 7.71 21.32

ICICI Prudential Top 100 Fund Jun-98 19.63 322.73 13.46 8.72 16.51

Kotak Emerging Equity Scheme Mar-07 27.23 39.84 20.69 15.76 25.74

L&T Emerging Businesses May-14 23.31 27.63 38.94 24.07 N.A

L&T Midcap Fund Aug-04 49.77 143.7 29.30 18.74 29.34

L&T India Value Fund Jun-10 28.45 37.86 22.15 16.35 26.16

Mirae Assets Emerging Bluechip Jul-10 29.97 49.94 23.27 19.45 30.75

Motilal Oswal Most Multicap 35 Apr-14 26.22 26.55 21.79 16.76 N.A

Reliance Small Cap Fund Sep-10 32.80 45.97 42.16 23.16 36.29

Tata Equity P/E Fund Jun-04 58.61 139.06 24.36 14.78 23.82

Tata Midcap Growth Fund Jul-94 41.95 139.02 21.30 11.04 25.18

UTI Mid cap Fund Apr-04 56.35 112.65 23.75 13.15 27.93

As on 27.02.2018

As on 27.02.2018 As on 27.02.2018

As on 27.02.2018

As on 27.02.2018 As on 27.02.2018

As on 27.02.2018 As on 27.02.2018

As on 27.02.2018 As on 27.02.2018

Pune Branches

Head Office : Ackruti Sankul, Shop No. 118 / 119, Sadashiv Peth,

Next to Bank of Maharashtra, Tilak Road Pune - 411030.

Tel.: 24320168, 8087030279, M.No. 9923629176

Camp Branch : Shop No. 3, 1st Floor, Kumar Pavellion, East Street,

Opp Bank of India, Camp, Pune - 411001

Tel.: 8983032691, 8087035403 M.No: 9373325837, 9881073696

Aundh Branch : Gururaj Apartments, Near SBI Bank, off ITI Road, Behind Jaihind Showroom,

Aundh Pune - 411 007. Tel.: 8983032690 M.No: 9373341149,

M.No: 9923230226

Our BranchesOur Branches

Vijay Investment News

Editor : V. Vijayarangan

Published by : V. Vijayarangan on behalf of Vijay Financial Consultants Pvt. Ltd.at Ackruti Sankul Shop No. 118/119 , Sadashiv Peth, Opp. Janata Sahakari Bank Ltd. Tilak Road , Pune - 411 030 and Printed at Good Prints, Adnya Heights, 517, Gurwar Peth, Pune - 411 042

Disclaimer : All possible efforts have been made to present factually correct data. However,the publication is not responsible,if despite this,errors may have crept in inadvertently or through oversight. This Newspaper have been prepared by Vijay Financial Consultants Pvt. Ltd. and is meant for use by the recipient and not for circulation.It shouldbe not considered to be taken as an offer to sell, or a solicitation to buy any security. All invesments are subject to the financial and other details provided by the Company or Government Body or PostOffice or AMC or Insurance Companies etc.,to be fully understood and read by the investor before investing and we as publisher shall not be held responsible in any manner whatsoever. Insurance is the subject matter of the solicitation.

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Mutual Fund investment are subject to market risks, read all scheme related documents carefully before investing.Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investment.

March 2018 (4)

Statement about the ownership and other particular about newspaper entitled VIJAY INVESTMENT NEWS as required to be published

in the first issue of every year after the last day February

FORM IV

1. Place of Publication : Vijay Financial Consultants Pvt. Ltd.

Ackruti Sankul, Shop No. 118/19, Sadashiv Peth,

Opp. Janata Sahakari Bank Ltd. Tilak Road Pune - 411 030

2. Periodicity : Every Month

3. Printer’s Name : Good Prints

Whether citizen of India : Yes

Address : Adnya Heights, 517, Guruwar Peth Pune - 411 042

4. Publisher’s Name : V. Vijayarangan


Address : A - 33 & 34 Gulmohar Habitat, Off Salunke Vihar Road,Wanorie

Pune - 411 040

5. Editor’s Name : V. Vijayarangan


Address : Ackruti Sankul, Shop No. 118/19, Sadashiv Peth,

Opp. Janata Sahakari Bank Ltd. Tilak Road Pune - 411 030

V. Vijayarangan, hereby declare that the particulars given are true to the best of my knowledge and belief.

Date : 01.03.2018 Sd/-

V. Vijayarangan

r. n. i. no. : maheng / 2000 / 1238 postal regd. no.:pcw...

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