Some Mutual Funds to Consider

I am writing first time about mutual fund….. the main reason which compelled me to write down about mutual funds is “worry of small investors who put their hard earned money into market and keep thinking that what happen in case of bloodbath in sensex”………….

Everybody has different risk appetite… all different source of income… somebody has fixed income somebody has variable…. We have seen stock pricing going 1/4^th in last crash of market…. Most stocks have not reached their earlier highs…..

I am listing down some good mutual funds which can be bought in lump sum OR in a SIP manner (choice is yours)….. Automated SIP is not recommended always.. you should be active enough to buy stock on the day of your choice…

My Favourite Funds List:

Large Cap Funds

Franklin India Bluechip

DSPBR Top 100

ICICI Prudential Focussed Bluechips

Large & MidCap

HDFC Top 200

Fidelity Equity

Mid & Small Cap

IDFC Premier Equity

Balanced

HDFC Prudence

MIP Plans

Birla Sunlife MIP II Savings Plan 5 (Invest 95% in debt and 5% in equities)

Reliance MIP

HDFC MIP Long Term

Do not invest your entire amount in any one fund OR in any single fund house…. Diversify it across different fund houses and different category of funds…

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One Suggestion:

If you have not taken term plan then do not go for any private firm for that. Go for LIC as policy claim ratio is highest(99%) in LIC..... it is just 10% in Aegon Religare which is selling cheapest term insurance plan.......

Also, Do not mix Life Insurance with Investment.... one should note and think about the claim process in case some mishap with you..... A Life Insurance Product is for protecting your family in case of any unfortunate event..... My personal Experience says LIC is the best player of Indian market for Life Insurance.. It is the company you can rely upon.....

Stocks for Long Term

I am giving a list of Stocks which can be added to your long term portfolio… I am sure that chances will be there to add these at much lower pricing.. Do not add them in any hurry… they will come down for sure in days to come…. These can be added to your core portfolio which you want to keep with you for long period… as per me these are free from any speculations, promoter gimmicks and any other punters news….

These are well known stocks… many of them have already given multibagger returns in past but still they are great money compounding machines which can give safe returns in longer period….. Do not expect fireworks in 6 months OR 1 year timeframe…..

Here is the List

1) SBI

2) Esab India

3) Clariant Chemicals

4) HDFC Bank

5) Page Industries

6) GSPL

7) Petronet LNG

8) NHPC

9) IDFC

10) EClerex

11) Yes Bank

12) Mayur Uniquoters

13) Voltas

14) Container Corp

15) Maharstra Seamless

16) MCX

17) Coal India

18) Shriram Transport Finance

19) Bajaj Finserve

20) Asian Paints

21) Piramal Health

22) L&T

23) Oil India

Choice is yours, with which stock you are comfortable with….. These are value buys which are to be hold for long term…..

(No Dark Horse is included in this list)

Where it is Going??

It’s been long since my last post which I posted on 28^th of August2011.

The reason for being silent for this long time is that I am blessed with a Baby Boy in Last December. I stopped writing after August Just to spent full time with my better half. After 16^th Of December the new era of sleepless nights have began and this is continuing J …… These days I am living joyful moments with my family so didn’t find time to write on my blog……

I watched market movement whenever I got time… mostly through my mobile connection on the fly…

One thing I want to tell you friends that I am not able to understand why market is making new highs these days…. Really no idea…. According to me nothing has been changed fundamentally as of now….

Nothing has been changed in Greek… Still High Debt Concerns…. News may come at any day... Economy of Greek has not started to be on right path yet….. I think this type of Debt concerns may rise in several other countries in coming months….

Oil Prices has started soaring already….

Difficult to understand this type of rally just on the news of Better than expected Job Data of USA, EU efforts to bail out Greek & PMI Data of Europe………

We could see a growth of 6.8% in 2012 which will be worst since 2009….. Fear of Sharp Fall of Exports in China is rising…..

I will be on a conservative side and say that it’s too early to judge this run-up as an end of bad phase….. Now and then one day fundamentals have to come in front…..

Assumptions about fall in Interest rates in India are on high…. Interest Free Bonds has seen overwhelming response recently which was offering 8.3% tax free returns for 15 years period. Though currently there are a lot of concerns about the global economy but in longer run equities will defeat every other investment instrument….. Those who don’t want to take risk in investing in market and want to park their money somewhere safe may look upon for Dynamic Bond Funds, MIP Savings Plans etc…….

As I wrote earlier also, a healthy correction is pending now….. That will be a time to enter good stocks…. IDFC, Mayur Uniquoters, Gold, UTV Sftwares(multiplied almost 3 times), Eros, Petronet LNG are already doing good… others are not performing and have beaten down…

One should subscribe to MCX IPO……