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Mutual Fund & Investment Basic- Part 2

Part - 1 இங்க படிங்க: tamilhollywoodreviews.com/2021/11/mutual…
இந்த முறை Direct #MutualFund வாங்குவது எப்படி என்பதை பற்றிய போஸ்ட் போடலாம் என நினைத்தேன்
ஆனால் மார்க்கெட் மற்றும் அதைப் பற்றிய அடிப்படை விஷயங்களை தெரிந்து கொள்ளாமல்

#MutualFundsSahiHai
நேரடியாக இன்வெஸ்ட்மென்ட் செய்ய ஆரம்பிப்பது நல்லது கிடையாது. அதுக்கு முன்னாடி கொஞ்சம் அடிப்படை விஷயங்களை தெரிந்து கொள்ளலாம்.

எப்பவுமே உங்களுடைய #stocks and #MutualFund unit களை #DEMAT அக்கௌன்ட்ல வைப்பது நல்லது. ஆனால் #stocks வாங்கனும்னா கண்டிப்பாக #DEMAT account இருக்க வேண்டும்.
#MutualFund ஆரம்பிக்க #DEMAT அக்கௌன்ட் அவசியம் இல்லை ‌.

ஆனால் நான் #Zerodha வில் அக்கௌன்ட் வைத்து உள்ளேன் மற்றும் #MutualFund களை அதனுடைய #coin App வழியாக வாங்குவதால் நேரடியாக #DEMAT account ல் கிரடிட் ஆகிவிடும். மற்ற ஆஃப்கள் எப்படி என்று தெரியவில்லை.
Read 22 tweets
One would never plant an oak tree ... just to dig it up once a quarter to see how the roots are. When it compounds ... let it compound & the same is true in #MutualFunds. (1/n) @MFSahiHai @NileshShah68 @MFBALA @mohanty_swarup @iRadhikaGupta @fifaindiaorg @bsindia @ETMutualFunds
Oaktree roots grow from an acorn to a taproot system, similary #wealth is created via #MutualFunds. Primary root would grow horizontally into the soil. Later on, would transform into an extensive root system alongside maturation of the plant i.e. Magic of Compounding (2/n)
Only 1 in 10,000 acorns grow up to be an oak tree, and the same is true for #mutualfund #investors - only 1 out of many stay put to see the magic of compounding. One of such living legend is @Raamdeo (Mr. Raamdeo Agarwal - Chairman & Co-Founder @MotilalOswalLtd) 👇 (3/n)
Read 6 tweets
Many new Twitter followers are (understandably) asking questions that I've answered sometime in the past.

Hence, I hope this collection of threads and posts will be useful. I intend to keep this updated over time.

//THREAD// 👇
About me: In 40s, achieved #FinancialIndependence in Oct 2020 through a regular 9-to-5 large corporate job and disciplined investing in Mutual Funds & Index ETFs over 2 decades.

Worked more years in India than abroad, if that matters.
How much money is needed for #FinancialIndependence in India?

Spoiler: It is more than 25x current annual expenses.

Read More:
Read 7 tweets
Thread 🧵 on Advantages of #Investing in #MutualFunds ...

🌟Must read for everyone, especially those who do not understand #Equities and have not yet invested significant amount in Mutual Funds as well.🌟

#MutualFundsSahiHai

@invest_mutual @dmuthuk views invited 🙏
1⃣ Professional Management:

#MutualFunds use services of experienced & skilled professionals, backed by a dedicated investment research team that analyses performance & prospects of companies and selects suitable investments to achieve objectives of scheme.

#MutualFundsSahiHai
2⃣ Diversification:

#MutualFunds invest in a number of companies across a broad spectrum of industries & sectors. This diversification reduces risk because seldom do all stocks decline at same time and in same proportion.

#MutualFundsSahiHai
Read 13 tweets
Thread 🧵#StockMarket #Tips For Beginners 🇮🇳

In this thread find some stock market tips for beginners, especially those who have joined market recently during #COVID19 #lockdown and have only seen one-sided rally.

(If you like then please re-tweet to maximize reach)

#BSE #NSE
1⃣ Save Regularly & Initially Invest Small Amounts 👇

#Investing in #StockMarket is comparatively risky as compared to investing in other avenues. Hence start with small amount and it should ideally be the amount which you can afford to loose.

#BSE #NSE
2⃣ Initially invest via #MutualFunds 👇

It is the best thing to do initially, if you lack knowledge about #StockMarket #investing, start investing via mutual funds and only after learning the basics slowly jump to direct equity investing.

#MutualFundsSahiHai #MF
Read 12 tweets
#ShareMarket
#MutualFundsSahiHai

सगळीकडे आज टीव्ही वर, रेडिओ वर, वर्तमान पत्रामध्ये, सिनेमा गृहमध्ये "Mutual fund सही है" ही जाहिरात चालू आहे.
"#MutualFund सही है" हे कळतंय पण अजून #MutualFund आणि #SIP म्हणजे नेमके काय? यात खूप गोंधळ उडाला आहे.
आज गुंतवणूक क्षेत्रात काम करत असताना खूप बरे-वाईट अनुभव येतात, त्यातील एक म्हणजे खुपजण मला SIP मध्ये गुंतवणूक करायची आहे म्हणून गुंतवणूक करायला येतात, त्यांच्यासाठी खासकरून आजचा लेख👇👇👇
#SIP हा कोणता गुंतवणुकीचा पर्याय नाही तर गुंतवणुकीचा प्रकार आहे.
हे लक्षात घ्या.
स्वतःला आणि आपल्या समाजाला आर्थिक साक्षरतेत पुढे घेऊन चला.
Read 21 tweets
Time & again most #MFDs & FT itself letting Actual Investors of these 6 schemes know that even in times of #COVID they have accumulated more than ₹11000 crores without #monetization but still few people are having unnecessary doubts. (2)
I personally believe that if #History will be written, the #historians will focus on the solution not on the problem.

Saying Yes, to both Winding Up Consent & Active #Monetization is only & solely in the best possible move for #investors. (3)
Read 75 tweets
#StockMarket #MutualFundsSahiHai #mutualfunds

Year after year majority of mutual fund managers are fooling innocent retailers.

S&P Dow Jones Indices compiles a report on active fund performance versus benchmarks over various periods, from 1 to 10 years.
The report for December 2019 , the latest available, showed that only 35% of large-cap funds managed to beat their benchmark indices over the last 10 years.

souce- livemint
Their logic is simple

If you made money, we are the reason

If you lose money feel free to chose from our laundry list of excuses for why it was a difficult and why next year will surely be different.
Read 21 tweets
Inter Scheme Transfer Norms will benefit the #investors & the change will lead to enhanced accountability of fund house & fund management team of both the transferor & transferee scheme. #mutualfunds #MutualFundsSahiHai #SaarthiZarooriHai @bsindia @livemint @ET_Wealth (1/3)
This will ensure to employ better #RiskManagement systems at scheme & AMC level, ensure better responsibility while purchasing & liquidating a security & thus lower instances of defaults & downgrades. #MutualFundsSahiHai #mutualfunds #SaarthiZarooriHai @livemint @bsindia (2/3)
#Investors should recall current #economic condition where the spate of downgrades & defaults are expected to rise, it is important to be extra-cautious while making #Investment in #debt #mutualfunds. Remember #SaarthiZarooriHai #PlanZarooriHai @livemint @ET_Wealth @bsindia (3/3)
Read 3 tweets
(1/n) Today we will discuss the BAF model of @EdelweissAMC called Edelweiss Balanced Advantage Fund.
Fund Manager – Bhavesh Jain, Bharat Lahoti and Gautam Kaul
AUM – 1429 crores
(2/n) The scheme follows a pro cyclical investment approach where the fund managers allocate more to equity in a bull market and reduce equity in bear market cycle. The in-house propriety model takes into account quantitative factors along with fundamentals.
(3/n) The fund consists of a core equity portfolio and a high qualitive debt portfolio or special situation ideas. Currently the equity exposure is around 50-60% of the portfolio.
determine the unhedged equity allocation.
Read 11 tweets
(1/n) 23 Apr 2020, rcvd this email from @FTIIndia which suggested that my investment with them are accessible anytime anywhere, although the public places are inaccessible. On 24th Apr I recvd another mail from @FTIIndia which said that my money with them has been frozen... Image
(2/n) who m I ? I am one of those unlucky 300,000 Indian investors who were risk averse and chose debt funds over equity to park my hard earned money with this fund @FTIIndia . Now the entire money has been frozen since 24th Apr with no communication on timelines by fund house..
(3/n) I would rather say a mismanaged fund house who mails you in the morning that your money is safe but you receive another mail 3am next day which says that you cant access your money now and even we don't know when you can access it..
Read 16 tweets
Arbitrage seems to be good alternative to investors pulling out their money from debt mutual funds. Investors need to know that arbitrage funds can give negative returns in short term and approx. 6% annualized return if held for a year
#mutualfunds #mutualfundssahihai
(1/4)
These category gives tax advantage as compared to a debt fund, for those who want to invest for less than 3 years.
Arbitrage is an equity oriented scheme with returns similar to a debt fund. So, it will long term if held for more than 1 year.
(2/4)
Long term capital gain in arbitrage is 10% if gain is more than 1 lac for that particular year.
Whereas for debt funds it is 20% with indexation after 3 years and as per tax slab if redeemed before 3 years.
(3/4)
Read 4 tweets
Franklin has shut down 6 debt mutual fund schemes due to illiquidity in market stopping buy/sell of units in these funds. Doesn't it put q on experts who suggest to hold just 3-4 scheme in portfolio. True saying - Never keep all eggs in one basket. #mutualfunds #market #franklin
Put together, almost 26000 crore rupees of investors are stuck in these 6 schemes. These all belong to debt schemes so higher chances that most of the money stuck belongs to retail investors. (2/n)
All these 6 funds are rated with 5 stars by Morningstar rating agency. In 2008 crisis all mortgages and CDO were triple ace rated by S&P, Moody's & Fitch. History repeats itself and average customer is trapped. Sad story #MutualFundsSahiHai ? #franklintempleton #mutualfunds (3/n)
Read 28 tweets
Today when Equity Markets have crashed & SIP investors esp. ones who started in last 5 years & are seeing the investments in red are worried. This is an effort to address them through a first-hand story of my SIP in Franklin India Prima Fund. @FTIIndia @Anand_1969 @Sanjay_69 1/21
I started this SIP on 1/10/20013 & the investment values are re based to Rs. 100/- as on that date. There have been 198 months since then & I invested on 186 out of these. There were only 3 small lump-sum investments done outside the SIP installments in these 18 years. 2/21
The 1st installment went in at the NAV of ₹ 52.79 (NAV – 1 in the chart) & the market continued to rise continuously for the next 4.5 years with the Fund hitting an all-time high NAV of ₹ 319.66 (NAV – 2) on 31/12/2007 (reference to my transactions only), a rise of 506%. 3/21
Read 23 tweets
And the mistake gets repeated again & again. Spoke to a few investors and they are buying rotten stocks just because they have fallen more than 50-70%. See their basic health indicators and you won't touch them. ROCE < 6-7%, ROE < 5-6%, Heavy debt..
And later they would complain that stock markets meiy return nahein bante. You wud do more research to buy ur phone, check the battery ki power, storage and what not. Then why not for the stocks ?
Use the correction to get good franchises, not the sinking ones.
Such investors may be better of donating fund to #PMCARES atleast it would do good to the wider public, rather than burning the cash. Or get an advisor to help you.
On that note, Mutual funds are an awesome choice #MutualFundsSahiHai
Read 3 tweets
[Thread] In the last few years of this bull market, the message of #MutualFundsSahiHai resonated a lot. Too many people entered the market with SIPs.

Today, all gains of SIPing in the last three years have evaporated (and turned into losses, so gains closer to 5yrs gone). Image
I have been bearish on the Indian markets for quite a while now because the fundamentals have deteriorated significantly. But money kept being pumped into the market, keeping valuations high for the top stocks, making them look better than they are.
Like in 2008, it took a black swan to bring everything crashing down. There’s always an event and people blame the event, but the reason it’s crashing is because it was crazy overvalued!

#coronavirusindia contributes, but it’s the fundamentals at the core that are causing it.
Read 6 tweets
@TheMuthootGroup will acquire IDBI #mutualfund & trustee company by end of Feb 2020, subject to regulatory approvals & other conditions being met. #Investors should have a word with #financialadvisors as #AdviceZarooriHai & #AdvisorZarooriHai. @bsindia @ETNOWlive @ValueResearch
It remains to be seen if the acquisition by MFIN brings any significant improvement in the performance of schemes. If you hold any of the schemes of IDBI #mutualfund & want @MMFA_IN views on whether to hold or sell, shoot an email at director@mmfa.in along with relevant info.
New #investors must take #financialadvisors #advice who will analyse new practices & strategies brought about by #MFIN. If the new systems & practices are in the best interest of the investors, then we may recommend. Always remember #MutualFundsSahiHai but not without an #advice.
Read 3 tweets
Regular plans are becoming cheaper, Direct Plans are becoming more expensive. Ask a fund house why this is happening... Radio Silence #MutualFundsSahiHai
The analysis is for one fund only in Small Cap space of a big fund house. 1/4/19 to 11/10/2019 Image
Same Fund - Midcap Fund.. During same period Regular TER came down from 1.91 to 1.71, while Direct Plan went up from 1.06 to 1.21

Is any one watching this space ?

I am wondering if Regular plans were earlier subsidizing Direct Plans and post cost cuts, reality is diff to hide ? Image
Lastest as of today from @dspmf

Midcap TER regular went down from 1.67% to 1.66% (understandable)
Same scheme, Direct plan went up from 0.78% to 0.99% (a whopping 27% jump)

If any one can interpret ! Image
Read 3 tweets
(1/n) •Domestic company corp tax cut from 30% to 22 % percent if
they don't avail any exemptions or incentives from FY20
• Effective tax for these companies rate 25.17 percent inclusive of all
surcharge and cesses. Applicable for current fiscal
(2/n) *listed companies which have announced buyback of shares prior to July 5 will not be charged with super rich tax
*All the measures announced will give relief of 1.45 lakh crores annually
(3/n) *Roll back of enhanced surcharge introduced in Budget on capital gain arising from sale of equity shares in a company liable for STT .
* super-rich tax will not to apply on capital gains from sale of any security including derivatives for FPIs.
Read 15 tweets
After the buildup and the crash-course in my last post, here is my post analysing Promoter Financing market in India. The analysis attempts to explain the slowdown in promoter financing in India and brings out some interesting facts. Read on to know more. Thread 1/12
As per BSE data, the aggregate value of promoters' pledged shares was ~1.85 lakh crore as at Aug 23, 2019. In comparison, the value of promoters' pledged shares stood at ~Rs 2.5 lakh crore as at Aug 30, 2018. The fall in pledge levels indicate slowdown in promoter financing. 2/12
An ET article (July 22), observed that 'pledging of shares by promoters of NSE companies dropped to a six-year low'. Another ET article (Aug 15), noted that 'interest rates on loans against shares (LAS) have surged by about 300 basis points in the past 3 months'. 3/12
Read 18 tweets
8 questions to ask before you invest in a Credit Fund.

Q1) How much yield should the fund offer?
A) The principle of 'higher-the-better' does not apply to credit funds. Higher yields come with disproportionately higher risks. Funds offering 11%+ are a clear avoid. Thread 1/8
Q2) How diversified is the fund?
A) A fund with higher diversification is less risky. As per regulations, exposure in a company cannot exceed 10%. Well managed funds cap exposure in one company to 5% or lower. Lower exposure means lower hit on return if an accident happens. 2/8
Q3) Does the fund have high exit loads?
A) Usually exit loads ensure that investors allow fund managers time to execute strategies. However, very high exit loads often result in debt-traps restricting investors' exit even when there are glaring mistakes made by fund-managers. 3/8
Read 12 tweets
The Yes Bank scare for Mutual Funds (MFs)

Some MFs have significant exposure to subordinated/ perpetual bonds of Yes Bank. These MFs stare at huge valuation losses if the credit rating of these bonds is cut below investment grade. Thread (1/9)
The following MFs have major exposure to Basel II/ Basel III, subordinated/ perpetual bonds of Yes Bank (market value as at 31st July, 2019) -

a) Reliance Nippon ~ Rs. 2150 Cr.
b) Franklin Templeton ~ Rs. 540 Cr.
c) UTI ~ Rs. 445 Cr.
d) Kotak ~ Rs.115 Cr.

2/9
The Credit Rating of Yes Bank Basel III Perpetual (Tier I or AT1) bonds have been downgraded thrice by ICRA in a span of 9 months.

a) Nov 24, 2018 - downgraded to AA- from AA.
b) May 03, 2019 - downgraded to A from AA-.
c) July 24, 2019 - downgraded to BBB from A.

3/9
Read 13 tweets
I am revisiting the topic of Public Issue of Non-Convertible Debentures (NCDs) covered a couple of days back. Only this time, I am focusing on Subordinated (Tier II) NCDs that are slipped in (sometimes slyly) along with senior secured NCDs of NBFCs. Thread (1/9)
Refer to the picture, below (the pic is representative only). A subordinated NCD (circled in red) appears as one of the many maturity options. A naive investor may think that it is similar to other NCDs on offer, just that it has a longer maturity. (2/9)
What many investors are unaware of is the fact that subordinated NCDs are paid after senior NCD holders in-case the company goes into liquidation i.e. subscribers to option I to VIII NCDs, in the pic above, would be paid before payments are made to option IX to XI NCDs. (3/9)
Read 13 tweets
Here is a list of lemons (troubled assets) held by debt schemes of various Mutual Funds -

Qualification - at least 3 lemons post Aug 2018

1. BoI AXA - 6
a) Sintex
b) DHFL
c) Kwality
d) ILFS
e) Coffee Day
f) Avantha Holdings

Thread (1/10)
2. Reliance Nippon - 6
a) ZEE LAS
b) DHFL
c) Morgan Credit (Yes Bank promoter)
d) Reliance Commercial Finance (ADAG)
e) Reliance Home Finance (ADAG)
f) Avantha Realty

(2/10)
3. Birla Sunlife - 5
a) ZEE LAS
b) Wadhawan Global (DHFL Promoter)
c) ILFS Tamil Nadu Power
d) Jharkhand Road Project (ILFS)
e) ILFS Education

(3/10)
Read 14 tweets

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