[VWAllstar]

Originally Posted by SmartCat

Bookmark 'who owns what' page:

Thanks. I am actually looking for the reverse findings. A report which gives stock names which are part of holdings of a particular MF. Say I filter on large caps, it gives out stock names with count of holdings and highest percentage of allocation. Ex- ITC is part of 4 large cap funds and has highest percentage of allocation in 3 large cap funds.

[SmartCat]

Originally Posted by VWAllstar

Thanks. I am actually looking for the reverse findings. A report which gives stock names which are part of holdings of a particular MF.

By law, all mutual funds need to declare their Top 20 holdings and their percentage allocation. Beyond this, you need to do your own analysis manually.
https://www.valueresearchonline.com/...fund-portfolio

(scroll down the page)

[vaibhav_a_a]

Originally Posted by VWAllstar

Thanks. I am actually looking for the reverse findings. A report which gives stock names which are part of holdings of a particular MF. Say I filter on large caps, it gives out stock names with count of holdings and highest percentage of allocation. Ex- ITC is part of 4 large cap funds and has highest percentage of allocation in 3 large cap funds.

Here you go : https://www.rupeevest.com/Mutual-Fund-Holdings/100875

Enter the stock name and hit enter, it will give a list of all mutual funds that held that stock, the %of that fund's AUM that the particular stock accounted for and number of shares.

It gave details for ITC, and to be sure I checked for a niche smaller company called Premier explosives. The results in that case were not correct, it showed the stock to be held by two HDFC funds but did not include the Motilal Oswal Defence Index Fund that this share is a part of. However, I suspected this may be possible this site does not give constituents of Index funds.

https://www.rupeevest.com/Mutual-Fund-Holdings/126247


So I checked a third time, this time using Muthoot Microfin and the share is held by Motilal Oswal Microcap 250 Index fund. So the site does give data basis index fund as well.

https://www.rupeevest.com/Mutual-Fund-Holdings/283733

So, helpful site perhaps but not exhaustive.

[vinit.merchant]

Originally Posted by zyksstar

The tool shows performance of individual funds, and the overall portfolio against benchmarks like NIFTY 50.

The tool uses the NSDL CAS statement as input.

Doesn't the NSDL CAS already give you the XIRR of each of the funds you are invested in?
I also have an ICICI direct account but I invest in direct funds only and through MFU. I can test this portfolio analyzer if it gives me some additional analysis apart from comparison with NIFTY50.

[zyksstar]

Originally Posted by vinit.merchant

Doesn't the NSDL CAS already give you the XIRR of each of the funds you are invested in?
I also have an ICICI direct account but I invest in direct funds only and through MFU. I can test this portfolio analyzer if it gives me some additional analysis apart from comparison with NIFTY50.

Once the NSDL CAS is uploaded the entire portfolio is tracked dynamically with daily changes of NAV's, unlike the PDF that is a one time snapshot.

Besides I find it useful in analyzing my holdings. E.g. I can spot laggards in my portfolio by sorting the list by 1 year return and checking if any of my funds are performing below benchmarks like NIFTY, (which I can then consider for churning).

[TPunchKZA]

Originally Posted by TPunchKZA

Thanks for the suggestion!

My main agenda for investment is for 2 reason

1. Long-term planning, for about 20+ years ahead.
2. Short-term planning for about 1 year so that, I can go on a solo backpacking trip outside the country or within the country with my saving expense .


Generally, my FD serves the purpose of short-term planning. I plan for the trip well in advance and once FD is mature, I use the amount for trips.

I am actually looking for a good Lumpsum Scheme as an alternative for FD so that I can make use of the FD system for the yearly payment of the LIC policy which I took last year (considering that it is only a long-term investment which I have)

Accordingly looking to start one more SIP for future plan.

Not keen on shares / Stocks, as I don't really check my investment every now and then and want to play safe.

I prefer auto payments and let the game happen while I watch.

Thanks to all those who gave me suggestions.


T

Thought of sharing my current portfolio

1. HDFC Multi Cap Fund Direct-Growth ( Lumpsum Investment )
2.Motilal Oswal Large and Midcap Fund - Direct Plan-Growth ( Lumpsum Investment )
3. NIPPON INDIA BALANCED ADVANTAGE FUND - DIRECT PLAN GROWTH PLAN - GROWTH OPTION ( Lumpsum Investment )
4.3. NIPPON INDIA MULTI CAP FUND - DIRECT GROWTH PLAN GROWTH OPTION ( SIP Investment ) 6K / month
5. Axis Multicap Fund Direct-Growth ( SIP Investment ) 5k/ month
6. SBI FD for about 1 year - whenever my savings account exceeds 1XXXXX about 60% is transferred here. Now considering my new lumpsum investment I doubt I shall plan for FD such frequently..

Have plans to add 25k in all the lumpsum funds after every 4 months


P.S - I am not that keen on keeping track of my funds every now and then, Just check out my portfolio once every 3 days or so and if I feel the profit is going great, I remove the profit amount from all the investments, keep in my saving account and again the FD cycle continues

Currently, I am using MF central (https://app.mfcentral.com/portal/home) for tracking my portfolio and it's going great

Need suggestions for any mobile app which can do the same. Maybe I might track my portfolio more and do some transactions frequently

Once again Thanks for the suggestion.
This is one the best threads of Team-BHP

[vaibhav_a_a]

Originally Posted by TPunchKZA

Need suggestions for any mobile app which can do the same. Maybe I might track my portfolio more and do some transactions frequently

mfcentral has its own mobile app - the only catch is you'd have to log out of the website first (concurrent login into app and site not possible).

There are actually many apps these days for comparing funds, tracking, evaluating and investing through them. Some are ETmoney, Dezerv, Kuvera, Groww, etc. but I steer clear of them as am not interested in sharing my information with a commercial operator.

I find using mfcentral to be OK as the registrar has your data anyways.

[ashvek3141]

There’s suddenly a stark growth in the Quant Multi Assest Fund in the recent week.

Are they done with the SEBI enquiries? All is good now, looks like?



However, the same in not true for the Quant ELSS Fund. Well, it’s drop also wasn’t as significant as the Multi Asset in the last month.

[vinit.merchant]

Originally Posted by ashvek3141

There’s suddenly a stark growth in the Quant Multi Assest Fund in the recent week.

Are they done with the SEBI enquiries? All is good now, looks like?


However, the same in not true for the Quant ELSS Fund. Well, it’s drop also wasn’t as significant as the Multi Asset in the last month.

Performance of the fund has nothing to do with the allegations. Fund NAV will go up or down based on the movements of assets under its holding.

The only impact of allegations will be redemptions that will affect the AUM, not so much it’s NAV.

The ELSS schemes are designed to take lower risks than other equity schemes, thereby reflecting in their performance.

[drive.helios]

Originally Posted by TPunchKZA

P.S - I am not that keen on keeping track of my funds every now and then, Just check out my portfolio once every 3 days or so and if I feel the profit is going great, I remove the profit amount from all the investments, keep in my saving account and again the FD cycle continues

My apologies for coming off critical, but what does this approach do? You are essentially moving the money from a low tax option to a taxes at slab rate bank? How would it even beat the inflation? Assuming you are either in the 20% or 30% tax bracket.

Few other observations - for such low amounts of SIPs, there's already too many funds in your portfolio. And for the lumpsum - all fund types will typically have the same stocks bundled in them, barring a 10% variance. The return will eventually even out. Suggest you take a look at all your holdings and see the overlap.

Instead of relying on FDs, you could look at arbitrage funds. Have a 30 days lock in period, will need 5 days to recover the money to your account, taxed at equity rates.or even gilt funds.

[Murli]

Hello fellow members,

I would appreciate your advice regarding mutual fund investments for my daughter. Here are the key details:

Age: 39 years
Income: Rs. 15-17 lakhs per annum (from private tuition)
Current Situation: Divorced, living with me
Dependents: 1 daughter (15 years old)
Liquid Funds: Rs. 31 lakhs sitting idle in a current account
She is looking to start investing this amount. We'd like suggestions on the following:

Contingency Fund: What amount should be allocated, and which mutual fund category would be ideal for this purpose?

Investment Strategy: Should we invest the entire Rs. 31 lakhs as a lump sum or spread it out over 12 months via SIPs?

Mutual Fund Selection: Considering her risk tolerance and investment horizon, which mutual funds or categories would you recommend? We're aiming for a mix of safety and growth.
Any insights or experiences with similar cases would be greatly appreciated.
Thanks in advance!

[SmartCat]

Originally Posted by Murli

Contingency Fund: What amount should be allocated, and which mutual fund category would be ideal for this purpose? Investment Strategy: Should we invest the entire Rs. 31 lakhs as a lump sum or spread it out over 12 months via SIPs? Mutual Fund Selection: Considering her risk tolerance and investment horizon, which mutual funds or categories would you recommend?

- Invest Rs. 15L in liquid mutual funds. It gives equivalent to 1 year bank FD returns. This will take care of emergencies too. So no need to plan separately.
- Invest remaning Rs. 15 Lakhs in Equity funds. This link displays only 4 or 5 star rated (large + midcap) funds.
- In both categories, invest across 5 funds each (total 10 funds). If you need help choosing, just pick well known brand names (Eg: ICICI, HDFC, Aditya Birla, Kotak, SBI etc)
- After deploying entire capital, invest further savings equally between liquid MFs & equity MFs

This is the simplest Do-It-Yourself mutual fund investment strategy, especially for those with low risk tolerance. This template needs minimal intervention or decision making by you or your daughter, even 5 or 10 years down the line. If you are unhappy with any fund, just pick another from the above list for fresh investments. Do not exit older underperforming fund (reduces decision making + it might start outperforming later)

Regarding SIP: If you don't mind complicating matters, sure. Instead of investing Rs. 15 Lakhs in equity funds in one go, invest Rs. 1 Lakh per month across 15 months.

[raksrules]

Originally Posted by Murli

Investment Strategy: Should we invest the entire Rs. 31 lakhs as a lump sum or spread it out over 12 months via SIPs?

As smartcat mentioned, invest 15L in equity but if you are hesitant to do it all together due to fear that "what if downtrend starts in market" then I suggest you to put the money in liquid fund (this is separate from the 15L he suggested already) and do a STP (systematic transfer plan) to the equity fund of your choice (but only within same AMC).

I strongly suggest that if you are like me who doesn't like to or don't know how to do research and don't understand balance sheets etc, just spread your money in Nifty50, MidCap and Small caps (N50 should be highest for stability).

[drive.helios]

Originally Posted by SmartCat

- Invest Rs. 15L in liquid mutual funds. It gives equivalent to 1 year bank FD returns. This will take care of emergencies too. So no need to plan separately.
- Invest remaning Rs. 15 Lakhs in Equity funds. This link displays only 4 or 5 star rated (large + midcap) funds.
- In both categories, invest across 5 funds each (total 10 funds). If you need help choosing, just pick well known brand names (Eg: ICICI, HDFC, Aditya Birla, Kotak, SBI etc)
- After deploying entire capital, invest further savings equally between liquid MFs & equity MFs

This is the simplest Do-It-Yourself mutual fund investment strategy, especially for those with low risk tolerance. This template needs minimal intervention or decision making by you or your daughter, even 5 or 10 years down the line. If you are unhappy with any fund, just pick another from the above list for fresh investments. Do not exit older underperforming fund (reduces decision making + it might start outperforming later)

Regarding SIP: If you don't mind complicating matters, sure. Instead of investing Rs. 15 Lakhs in equity funds in one go, invest Rs. 1 Lakh per month across 15 months.

Practical. But a few doubts as I read through:
Isn't 10 funds to hold 15L an over kill and 15L for contingency? Wouldn't it be better to keep 10 aside (liquid/arbitrage/ gilt) for it and already move 5L to a dedicated fund for her daughter to manage college?

Invest the 15L equally into an index fund, a flexi cap fund and a mid and large cap fund to keep it simple ?

Some other details are missing though. Is the annual salary used for additional investments? Is the OP supporting the daughter financially in additional capacity? Are there shared child care responsibilities etc.

[kpkeerthi]

Originally Posted by Murli

Any insights or experiences with similar cases would be greatly appreciated.
Thanks in advance!

For contingency, keep 12x monthly expense in a liquid fund or FD.

Split the remaining amount into 20% debt fund and 80% equity fund.

Split the equity allocation 50:50 across one index fund (nifty 100 or nifty large-midcap 250 or nifty 500) and one flexi-cap fund.

Spread your purchases over a period of 12-24 months (min 12 for your case) to tide over the volatility and for better cost averaging. Restrict your SIP to only one per month. Frequent SIPs will only ride the costs as opposed to averaging them.

Do not purchase too many funds. Not only will there be gross overlap, the over-over-diversification will only have a detrimental effect. This will also complicate management aspects when you want to treat the funds as a source of income eventually post retirement. Restrict total number of funds to 4 or 5 max.