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TBNG Mutual Fund Report
1. Visit us : www.tbngconsultants.com Jan’2011
TBNG’s Top Mutual Fund Picks
Particulars
Top Rated : Equity & Related Schemes
Top Rated : Debt & Related Schemes
Top Rated : Hybrid Schemes
Top Rated : Retirement Plans
Top Rated : Child Plans
Top Rated : ELSS
Disclaimer
2. Top Rated : Large Cap Equity Schemes
Large Cap Funds in India are a kind of mutual fund which makes investments mainly in the
shares of big companies. These funds are less volatile than mid cap and small cap funds. They
are ideal investments for risk-averse/conservative investors wanting to enter the stock market
without owning too much risk. Different mutual funds have different criteria for classifying
companies as large cap. Generally, companies with a market capitalisation in excess of Rs 1000
crore are known large cap companies.
Quartile Analysis
Scheme Name 2007 2008 2009 2010 2011 4'10# 1'11 2'11 3'11 4'11
Franklin India Blue-
24 81 68 90 91 85 92 62 89 74
chip(G)
DSPBR Top 100 Equity-
68 90 59 50 77 57 85 85 57 61
Reg.(G)
HDFC Top 200(G) 37 95 91 92 40 55 83 60 35 24
Birla SL Frontline
55 74 80 73 58 75 72 51 43 56
Equity(G)
ICICI Pru Focused Blue
0 0 84 94 94 98 98 68 74 98
Chip Equity-Ret(G)
Above table are percentile scores compared among their peers schemes
Scheme Return (%) Annualized AUM Turnover Expense Standard Beta Alpha Rating*
(Crs) (%) Ratio Deviation
1Yr 3Yr 5Yr 10Yr
Franklin India Blue- 5/5
-12.3 25.86 7.96 26.27 4261 26.87 1.82 22.68 0.83 7.13
chip(G)
DSPBR Top 100 5/5
-13.04 21.41 9.05 - 3051 277 1.85 21.6 0.8 3.63
Equity-Reg.(G)
HDFC Top 200(G) -16.71 26.76 9.9 29.53 10537 20.46 1.77 25.94 0.95 6.04 5/5
Birla SL Frontline 5/5
-16.62 23.59 8.13 - 2805 49% 1.85 25.94 0.96 4.03
Equity(G)
ICICI Pru Focused 5/5
Blue Chip Equity- -10.49 29.59 - - 3532 42 1.83 22.82 0.85 10.12
Ret(G)
* - Valueresearchonline Ratings
Data as on 12th January 2012
# 4’10 represents forth calendar quarter of year 2010.
3. Top Rated : Mid & Small Cap Equity Schemes
Mid & Small Cap Funds in India are a kind of mutual fund which makes investments mainly
in the shares medium and small companies whose market capitalization is less then 1000Crs.
This category is quite risky as compared to Large cap funds. Mid and small cap companies do
provide manifold appreciation but a wrong call can hamper the portfolio on a whole. These
funds tend to loose more in a volatile market. But in case of a bull phase this funds can
outperform every other segment of mutual funds. Again one needs to be cautious.
Quartile Analysis
Scheme Name 2007 2008 2009 2010 2011 4'10 1'11 2'11 3'11 4'11
ICICI Pru Discovery(G) 4 82 97 79 100 95 92 32 5 100
IDFC Premier Equity-A(G) 100 97 46 92 74 85 46 65 97 74
0 100 30 95 53 97 77 95 71 53
HDFC Mid-Cap Oppor.(G)
DSPBR Small & Mid Cap- 26 76 92 87 25 77 51 38 68 8
Reg.(G)
Sundaram Select 52 73 84 55 47 - 38 82 42 47
Midcap(G)
Above table are percentile scores compared among their peers schemes
Scheme Return (%) Annualized AUM Turnover Expense Standard Beta Alpha Rating
(Crs) (%) Ratio Deviation *
1Yr 3Yr 5Yr 10Yr
ICICI Pru Discovery(G) -15.01 36.41 8.76 - 1664 68 1.93 28.22 0.97 13.85 4/5
IDFC Premier Equity- 5/5
-9.79 33.52 17.03 - 2407 255 2.29 24.47 0.82 13.34
A(G)
HDFC Mid-Cap 4/5
-9.75 32.13 - - 1700 19.01 1.95 24.78 0.85 11.59
Oppor.(G)
DSPBR Small & Mid 4/5
-18.31 32.26 6.89 - 1168 155 1.99 30.82 1.04 9.87
Cap-Reg.(G)
Sundaram Select 4/5
-15.53 30.77 6.64 - 1999 18 1.88 36.99 1.24 7.17
Midcap(G)
* - Valueresearchonline Ratings
Data as on 12th January 2012
4. Top Rated : MultiCap Cap Equity Schemes
Multi cap fund are the one which preferably do not have any mandate of their investment
avenues. Fund managers themselves identify the market conditions and shuffle among the
stocks and sectors which he thinks may outperform. Multicap. Funds suits the most to
investors who don’t want to reshuffle the asset allocation on a continuous basis depending
on market conditions. Investment in Multicap fund can be more beneficial then into Mid and
small cap fund as fund managers are assumed to be alert on market sentiments and move
towards more defensive stocks and sectors for a time being to avoid huge losses. Many
investors here should consider the practice of carrying a mix of mutual funds a prudent way
to maintain the overall integrity of an investment strategy.
Quartile Analysis
Scheme Name 2007 2008 2009 2010 2011 4'10 1'11 2'11 3'11 4'11
Fidelity Equity(G) 54 74 64 90 73 73 89 32 73 56
ICICI Pru Dynamic(G) 17 97 54 67 80 95 100 53 28 68
Franklin India Prima
52 94 32 55 91 28 99 62 88 70
Plus(G)
HDFC Equity(G) 46 77 92 97 28 78 70 60 14 21
UTI Oppur.(G) 80 81 85 54 98 87 71 69 96 94
Above table are percentile scores compared among their peers schemes
Scheme Return (%) Annualized AUM Turnover Expense Standard Beta Alpha Rating
(Crs) (%) Ratio Deviation *
1Yr 3Yr 5Yr 10Yr
Fidelity Equity(G) -14.29 26.03 7.85 - 3370 9 1.84 22.98 0.85 7.25 5/5
ICICI Pru Dynamic(G) -13.63 24.6 6.96 - 3962 108 1.82 20.39 0.73 5.91 4/5
Franklin India Prima 4/5
-11.03 23.2 7 25.90 1787 24.36 1.92 24.31 0.89 4.37
Plus(G)
HDFC Equity(G) -19.58 29.55 9.14 28.97 9178 35.8 1.78 28.15 1.01 7.62 5/5
UTI Oppur.(G) -6.54 29.91 12.86 - 2385 48.17 1.94 23.95 0.87 10.68 5/5
* - Valueresearchonline Ratings
Data as on 12th January 2012
5. Top Rated : Infra Fund
Infrastructure funds are part of a mutual fund category called thematic funds. Infrastructure, as
a theme, covers several sectors like power utilities, power equipment and construction
companies. Unlike technology sector mutual funds (at best, technology sector funds could buy
stocks from telecom and media besides the software stocks it traditionally invests in),
infrastructure funds are not restricted to a few sectors. Infrastructure funds Infrastructure
sector on a whole is seen to be facing problems as of now. Considering long term,
Infrastructure and Financial services are said to the key growth stimulator for the growing
Indian economy. One who is ready to stand with slight higher risk can include infrastructure
fund in his portfolio. Though at the same time one needs to be updated about news related to
Infrastructure and power related sectors.
Quartile Analysis
Scheme Name 2007 2008 2009 2010 2011 4'10 1'11 2'11 3'11 4'11
Canara Robeco
89 50 65 79 95 48 100 82 95 82
Infrastructure(G)
ICICI Pru Infrastructure(G) 100 100 24 68 71 100 81 41 41 77
HDFC Infrastructure(G) 0 0 82 100 19 19 86 59 14 14
Above table are percentile scores compared among their peers schemes
Scheme Return (%) Annualized AUM Turnover Expense Standard Beta Alpha Rating*
(Crs) (%) Ratio Deviatio
1Yr 3Yr 5Yr 10Yr n
Canara Robeco 5/5
-14.01 23.11 6.08 - 119 20 2.43 29.23 1.03 2.46
Infrastructure(G)
ICICI Pru 5/5
-23.45 12.58 4.53 - 2114 77 1.89 23.11 0.85 -5.47
Infrastructure(G)
HDFC 3/5
-26.57 17.69 - - 736 41.89 2.05 31.63 1.11 -3.09
Infrastructure(G)
* - Valueresearchonline Ratings
Data as on 12th January 2012
8
6. Top Rated : Pharma & Health Care
Pharma Funds are again a thematic fund. Pharma funds invest into companies dealing with
medicines and related accessories. Pharma fund normally are not as risky as other funds. Pharma
companies are not much highly prone to bear market fall. One can invest into this theme
considering a safe equity diversification.
Quartile Analysis
Scheme Name 2007 2008 2009 2010 2011 4'10 1'11 2'11 3'11 4'11
Reliance Pharma(G) 100 50 100 50 25 50 25 100 50 33
UTI Pharma &
75 100 25 100 50 100 50 50 75 67
Healthcare(G)
Above table are percentile scores compared among their peers schemes
Scheme Return (%) Annualized AUM Turnover Expense Standard Beta Alpha Rating
(Crs) (%) Ratio Deviation *
1Yr 3Yr 5Yr 10Yr
Reliance Pharma(G) -4.03 43.19 21.5 - 573 21 2.21 25.23 1.12 7.47 -
UTI Pharma & -
-5.75 29.52 11.45 17.54 93 84.76 2.5 17.64 0.87 3.72
Healthcare(G)
* - Valueresearchonline Ratings
Data as on 12th January 2012
7. Top Rated : Dividend Yield
Dividend yield mutual funds, which invest in high dividend paying stocks and companies with
better cash flows, have managed to tide over the market volatility and have delivered good
returns in the last fiscal. Dividends yields have been gaining importance day be day. These
schemes get dual benefit of income from dividends as well as capital appreciation through the
increase in stock prices over a period of time. In a bull phase, investors get both these benefits
while in a bear phase, the investor can avail of the benefit of high dividends
Quartile Analysis
Scheme Name 2007 2008 2009 2010 2011 4'10 1'11 2'11 3'11 4'11
UTI Dividend Yield(G) 83 100 50 33 50 100 100 33 67 67
Tata Dividend Yield(G) 100 33 67 100 83 83 17 83 33 83
Birla SL Dividend Yield
33 83 83 83 33 33 67 67 83 50
Plus(G)
Above table are percentile scores compared among their peers schemes
Scheme Return (%) Annualized AUM Turnover Expens Standard Beta Alpha Rating*
(Crs) (%) e Ratio Deviation
1Yr 3Yr 5Yr 10Yr
UTI Dividend Yield(G) -11.84 25.72 12.51 - 3451 39.39 1.84 20.81 0.75 8.78 5/5
Tata Dividend Yield(G) -10.59 30.86 11.56 - 247 12 2.36 22.28 0.79 11.49 5/5
Birla SL Dividend Yield 5/5
-11.67 28.43 12.08 - 1073 7 2.07 24.17 0.84 9.91
Plus(G)
* - Valueresearchonline Ratings
Data as on 12th January 2012
8. Top Rated : Dynamic Bond Funds
Dynamic Bond Funds: As the name suggests, give fund managers the
flexibility to change the duration of the bond as and when needed, thus
giving them more room in a changing interest rate scenario. Anticipation
of more rate cuts by the Reserve Bank of India is prompting asset
managers to increase the portfolio tenure of dynamic bond funds, fund
researchers said. The consensus among fund managers is that the RBI
will decrease key rates in future. So instead of investors taking a call on
interest rate movement, dynamic bond fund offers opportunity to
investors to tactically change the duration of portfolio to suit current
market condition. One can invest in these scheme with 15 months and
above horizon.
Quartile Analysis
Jul -Sep Oct-Dec Jan-Mar Apr-Jun Jul -Sep Oct-Dec
Scheme Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11
2010 2010 2011 2011 2011 2011
IDFC Dynamic Bond-A(G) 85 76 69 54 98 77 16 60 87 83 91 98
SBI Dynamic Bond(G) 70 96 20 89 100 94 100 94 25 98 72 100
Templeton India Income
48 35 85 93 23 33 94 23 62 91 80 51
Opp(G)
UTI Bond(G) 98 93 72 41 96 69 47 52 45 100 96 92
Birla SL Income Plus-Ret(G) 94 57 17 11 71 85 29 42 100 30 56 42
UTI Dynamic Bond Fund-
96 7 35 46 50 50 76 96 58 70 41 55
Reg(G)
Above table are percentile scores compared among their peers schemes
Annualized Return
Average Avg. Credit VR
Scheme Since AUM (Cr.) Exit Load
1M 3M 1 Yr 3 Yr 5 Yr Maturity Quality Rating*
Inception
IDFC Dynamic Bond-A(G) 15.53% 19.19% 11.50% 4.47% 9.18% 7.96% 3.7 AA 128 3/5 Nil
SBI Dynamic Bond(G) 19.28% 23.19% 12.92% 7.29% 4.06% 3.33% 4.29 AAA 70 4/5 1% within 365days
Templeton India Income 3% -180, 2% -365,
8.99% 9.42% 9.08% - - 8.20% 1.2 AA 3704 4/5
Opp(G) 1% -540
UTI Bond(G) 9.90% 16.86% 11.59% 5.45% 7.45% 8.65% 3.5 AAA 311 3/5 1.25%-180, 1%-365
Birla SL Income Plus-
14.16% 16.44% 9.08% 5.21% 9.27% 10.01% - - 349 2/5 1% within 365days
Ret(G)
UTI Dynamic Bond Fund-
7.44% 12.01% 8.39% - - 7.91% 1.49 AA 1069 4/5 .5% within 30days
Reg(G)
* - Valueresearchonline Ratings
Data as on 12th January 2012
9. Top Rated : Short Term Income Funds
Short Term Income Funds : Are the mutual fund schemes that seek
to generate income by investing in short term fixed income
instruments. Generally these schemes invest in certificate of
deposits, commercial paper and bonds with less than two year to
maturity. One can invest in this scheme with 9 months and above
horizon.
Quartile Analysis
Jul -Sep Oct-Dec Jan-Mar Apr-Jun Jul -Sep Oct-Dec
Schemes Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11
2010 2010 2011 2011 2011 2011
Birla SL Dynamic Bond-Ret(G) 78 69 61 63 46 46 67 46 83 77 83 68
IDFC SSIF-ST(G) 87 87 26 44 37 87 9 21 45 48 78 74
UTI ST Income(G) 98 85 33 13 93 89 73 52 12 98 91 85
Templeton India ST
41 54 63 78 43 35 61 25 31 83 46 52
Income(G)
HDFC STP(G) 72 43 9 37 80 74 52 23 29 37 24 69
JPMorgan India ST Income(G) 70 80 93 100 81 57 64 83 71 41 81 89
Peerless ST - Reg(G) 81 72 89 96 83 61 0 88 100 80 80 87
Pramerica ST Income(G) 85 78 87 98 69 83 - - - 91 85 93
Above table are percentile scores compared among their peers schemes
Annualized Return
Average Avg. Credit VR
Scheme Since AUM (Cr.) Exit Load
1M 3M 1 Yr 3 Yr 5 Yr Maturity Quality Rating*
Inception
Birla SL Dynamic Bond-
12.68% 12.59% 9.56% 7.64% 9.37% 8.10% - - AUM 4/5 .5% within 180days
Ret(G)
IDFC SSIF-ST(G) 10.43% 10.38% 9.38% 6.45% 8.14% 7.21% 2.14 AA 3593 2/5 .5% within 180days
UTI ST Income(G)
9.38% 11.51% 9.74% 8.29% 8.33% 7.15% 2.24 AA 1375 4/5 1%-90, .5% - 180
Templeton India ST
8.08% 8.84% 9.00% 8.68% 9.14% 7.72% 0.87 AA 294 4/5 .5% within 270days
Income(G)
HDFC STP(G) 9.25% 10.55% 8.76% 7.42% 8.91% 7.43% 1.7 AA 4673 2/5 .5% within 180days
JPMorgan India ST
9.77% 10.04% 9.54% - - 7.94% 0.29 AAA 850 2/5 .5% within 90days
Income(G)
Peerless ST - Reg(G) 10.16% 10.12% 13.08% - - 11.30% 0.14 - 364 - .5% within 15days
* - Valueresearchonline Ratings
Pramerica ST Income(G) 10.95% 10.55% - - - 10.70% 0.73 AA 183.00 - .5% within 180days
* - Valueresearchonline Ratings
Data as on 12th January 2012
10. Top Rated : Balanced Equity Scheme
Equity Balanced Fund is a scheme that buys a combination of stocks(in high ratio), bonds and
other short term instruments to provide both income and capital appreciation while avoiding
excessive risk. The purpose of balanced funds is to provide investors with a single mutual fund
scheme that combines both growth and income objectives, by investing in both stocks (for
growth) and bonds (for income). These schemes provide good returns at a relatively low level of
volatility and are good for the moderate risk taker.
Quartile Analysis
Yearly Quaterly
Scheme
2006 2007 2008 2009 2010 2011 2'10 3'10 4'10 1'11 2'11 3'11 4'11
HDFC Prudence(G) 77 50 50 100 92 50 85 96 65 70 75 46 11
HDFC Balanced(G) 46 8 88 88 88 81 88 46 85 67 93 71 30
ICICI Pru Balanced(G) 62 35 42 23 77 88 38 38 88 85 89 79 85
Birla SL '95(G) 58 81 62 85 81 58 69 65 73 78 64 57 70
Tata Balanced(G) 88 85 31 96 54 73 19 23 50 52 79 68 81
Above table are percentile scores compared among their peers schemes
Scheme Return (%) Annualized AUM Sharpe Allocation Beta Alpha Rating*
(Crs) Ratio
1Yr 3Yr 5Yr 10Yr Equity Debt
HDFC Prudence(G) 5/5
-5.35 29.86 11.12 25.99 6100 0.91 75% 25% 1.1 11.19
HDFC Balanced(G) 4/5
-0.60 28.05 10.51 18.73 502 1.08 67% 33% 0.88 11.93
ICICI Pru Balanced(G) 3/5
-1.58 19.94 4.56 17.89 300 0.83 70% 30% 0.78 6.17
Birla SL '95(G) 4/5
-5.80 23.11 10.14 20.63 501 0.81 65% 35% 1 7.74
Tata Balanced(G) 4/5
-2.95 24.37 9.15 21.17 315 0.84 75% 25% 0.97 8.17
* - Valueresearchonline Ratings
Data as on 19th January 2012
# 4’11 represents forth calendar quarter of year 2011.
11. Top Rated : Balanced Debt Scheme/Retirement Schemes
Debt Balanced Fund is a scheme that buys a combination of Bonds(in high ratio), Short Term
Instruments and low proportion in equity to mainly provide income and a bit capital
appreciation while avoiding excessive risk. The purpose of Debt balanced funds is to provide
investors reasonable income with moderate capital appreciation. Conservative Investor in
mid 40’s can look for the below schemes to for efficient retirement planning
Quartile Analysis
Yearly Quaterly
Scheme
2006 2007 2008 2009 2010 2011 2'10 3'10 4'10 1'11 2'11 3'11 4'11
Templeton India
69 79 40 60 67 67 40 67 33 73 60 67 67
Pension Plan(G)
UTI Mahila
100 57 73 47 60 53 47 53 60 53 47 47 40
Unit(G)
UTI Retirement
31 64 60 67 73 40 67 60 27 40 33 40 33
Benefit Pension
Tata Young
77 7 20 80 80 33 7 87 80 13 67 20 47
Citizens
Above table are percentile scores compared among their peers schemes
Scheme Return (%) Annualized AUM Sharpe Allocation Beta Alpha Rating
(Crs) Ratio *
1Yr 3Yr 5Yr 10Yr Equity Debt
Templeton India 2/5
2.44 12.50 5.91 12.85 211 0.72 35% 65% 0.45 2.67
Pension Plan(G)
UTI Mahila Unit(G) -0.4 10.14 8.19 14.46 251 0.59 26% 74% 0.36 1.28 3/5
UTI Retirement Benefit 3/5
-1.55 11.20 7.06 11.51 765 0.56 35% 65% 0.46 1.28
Pension
Tata Young Citizens --1.57 15.50 5.80 14.41 163 0.78 50% 50% 0.54 4.21 2/5
* - Valueresearchonline Ratings
Data as on 19th January 2012
12. Top Rated : Monthly Income Plans
Monthly Income Plans carry a primary objective to generate regular returns through investment
primarily in Debt and Money Market Instrument. The Secondary objective of the scheme is to
generate long term capital appreciation by investing a small portion into Equity & Equity related
instruments. We had classified the same into CONSERVATIVE & AGGRESSIVE(where equity
proportion is relatively high.)
Conservative
Yearly Quarterly
Scheme
2006 2007 2008 2009 2010 2011 2'10 3'10 4'10 1'11 2'11 3'11 4'11
HDFC Multiple Yield
8 35 72 90 88 94 96 25 82 88 98 91 67
2005(G)
Canara Robeco MIP(G) 100 98 8 98 84 85 74 77 46 68 75 56 73
HDFC Multiple Yield(G) 10 40 60 83 93 92 85 90 26 70 100 81 81
Birla SL Monthly Income(G) 70 78 62 61 74 83 83 69 80 74 56 78 58
UTI MIS(G) 45 48 85 66 58 62 57 60 64 64 23 70 56
Aggressive
Yearly Quarterly
Scheme
2006 2007 2008 2009 2010 2011 2'10 3'10 4'10 1'11 2'11 3'11 4'11
DSPBR MIP(G) 88 55 55 76 30 71 23 21 98 20 12 87 88
HDFC MIP-LTP(G) 85 82 18 100 95 10 94 96 56 52 58 13 12
FT India MIP(G) 58 75 22 73 42 69 40 42 18 78 69 52 42
Reliance MIP(G) 98 10 98 85 81 25 89 92 30 26 37 39 25
Above table are percentile scores compared among their peers schemes
Scheme Return (%) Annualized AUM Sharpe Allocation Beta Alpha Rating*
(Crs) Ratio
1Yr 3Yr 5Yr 10Yr Equity Debt
HDFC Multiple Yield
-7.68 12.83 9.41 - 592 2.08 10% 90% 0.41 6.47 5/5
2005(G)
Canara Robeco MIP(G) 340 1.13 16% 85% 0.52 7.06 5/5
5.28 10.44 9.22 11.68
HDFC Multiple Yield(G) 78 1.56 17% 83% 0.58 6.18 5/5
9.14 13.20 9.44 -
Birla SL Monthly
5.44 9.90 8.46 10.04 538 1.03 12% 88% 0.51 3.63 4/5
Income(G)
UTI MIS(G) 1.1 13% 87% 0.51 3.23 4/5
5.05 9.37 8.20 - 497
DSPBR MIP(G) 5.45 9.91 7.77 - 208 0.88 24% 76% 0.62 3.28 4/5
HDFC MIP-LTP(G) 3.43 14.27 9.55 - 7876 1.08 24% 76% 0.92 6.39 4/5
FT India MIP(G) 4.96 9.47 6.78 9.22 339 0.76 19% 81% 0.7 2.91 3/5
Reliance MIP(G) 5.31 11.80 10.01 - 5182 0.69 20% 80% 0.78 3.56 4/5
Data as on 19th January 2012 * - Valueresearchonline Ratings
13. Top Rated : Multi Asset Schemes
Multi Asset Schemes are schemes which holds all three asset class in their portfolio. This schemes
invest into Equity Markets, Fixed Income Market as well as in Commodity Market. One can
maximize chances of making money irrespective of what is happening in the economy by investing
in a diverse range of assets (such as equity, debt and gold). By balancing investments across
multiple asset classes, one tend to reduce risk of losing money to economic shocks (like the recent
global financial crisis). All funds being new, past return cannot be added.
Quartile Analysis
Yearly Quaterly
Scheme
2006 2007 2008 2009 2010 2011 2'10 3'10 4'10 1'11 2'11 3'11 4'11
Religare MIP Plus(G) - - - - - 67 0 100 67 67 100 71 57
Kotak Multi Asset
- - - - - - - - 0 0 80 43 71
Allocation Fund(G)
UTI Wealth Builder-II-
- - - 42 40 100 43 53 94 94 75 100 93
Ret(G)
Sundaram Equity Plus(G) - - - - - - - - - - - 29 29
Above table are percentile scores compared among their peers schemes
Scheme Asset Allocation AUM Sharpe Expense Standard Beta Alpha Rating*
(Crs) Ratio Ratio Deviation
Equity Debt Gold
Religare MIP Plus(G)
17% 72% 11% 93 - 2.21 - - - -
Kotak Multi Asset
12% 82% 6% 326 - 2.5 - - - -
Allocation Fund(G)
UTI Wealth Builder-II-
70% 5% 25% 572 0.92 19.28 0.69 8.52 -
Ret(G)#
Sundaram Equity Plus(G)
65% 5% 30% 140 - - - - -
* - Valueresearchonline Ratings
Data as on 19th January 2012
#UTI Wealth Builder carries a three year experience with CAGR of around 24%p.a.
14. Top Rated : Retirement Schemes
Every individual have different aspiration/goals but among them one goal stands common
i.e. Retirement Planning. Previously retirement planning was not given required
importance but now the scenario is inverse. The reason for the same is:
1.) Increased Life Expectancy
2.) Increasing Medical Emergencies Cost
3.) Joint Families turning Nuclear Family.
4.) No Government Sponsored Pension Plan (IRA in USA)
5.) Frequent Job Hopping Depleting PF Balances
Hence it is very clear that to plan out efficient and fruitful retirement planning one needs
to start building corpus in his/her working years. We all know early we start less is the
amount we need to allocate towards out retirement.
Lets try and understand it with an example :
Parameters Mr. A (30years) Mr. B (40years)
Corpus Required 1 Crore 1 Crore
Retirement Age 60 60
SIP Amount (at 11.00%p.a.) Rs.3,533 Rs.11,447
We had analyzed and listed few schemes which one can prefer going ahead with. Asset Allocation
in this schemes is more of a Debt Aggressive where 60%-90% is invested into Debt providing
Capital security and fixed income flow and rest into equities to reap benefits of capital
appreciation over a long period of time.
16. Top Rated : Child Plan
Child Plan is specially designed by Mutual funds to fulfill Children's Education goal. Rather
then earmarking different schemes to different goals one can directly earmark one scheme
to a specific goal. We had bifurcated the category into Conservative and Aggressive.
Conservative Funds should be preferred when the goal is nearby, say 1-2years whereas
Aggressive Funds should be preferred by new comers in parental community.
As a parent, your priority is your children's future and being able to meet your children's
dreams and aspirations. Today providing a good education and establishing a professional
career is expensive and will further increases as time goes. Marriages are also no longer a
simple affair when it comes to finance. The event has become more expensive over the
years and making it important for everyone to sit down and work out the budget well in
advance.
Here again the early we start more the benefit is. Lets work out this using an example :
Mr. & Mrs. Joshi married before 3years have one baby named Nikita one year old. Other
then increment in day to day expenses Mr. Joshi also have to plan out for her Education
and Marriage. Mr. Joshi is very keen to send her abroad for higher studies which in current
terms can cost around 30lakhs. Also being a lone daughter Mr. Joshi do not want to
compromise on cost as far as marriage is concerned.
Goal (Age) Current Cost Cost Then*
Higher Education (21) Rs.3000000 Rs.1.16Crore
Marriage (25) Rs.1500000 Rs.76Lakhs
*Inflation of 7.00%p.a.
Being Salaried it is next to impossible for Mr. Joshi to arrange for huge funds then. So
early regular investment aligned for daughters education and marriage would be the only
option for Mr. Joshi to fulfill his aspirations without compromises.
Below are funds which can be looked at rather than high cost ULIP where major part of
your money goes into expenses. Based on tenure one can decide to either select
Conservative Schemes(Short Term, may be 2-3years) and Aggressive Schemes.
18. Top Rated : Equity Linked Saving Scheme
ELSS is the mirror image of diversified equity scheme where 80-100% of
portfolio is invested into companies across various sectors and 20-0% into
Debt and related instruments. ELSS carries a lock in of 3years. Considering
the market around 20% down from its all time high one can prefer locking
in funds for a tenure of 3years which indeed can cover a bull business cycle.
The main reason which urges investors to get into ELSS is TAX BENEFIT
Quartile Analysis
Yearly Quaterly
Scheme
2006 2007 2008 2009 2010 2011 2'10 3'10 4'10 1'11 2'11 3'11 4'11
Franklin India Taxshield(G) 40 55 96 45 71 97 21 76 79 100 71 97 81
Fidelity Tax Advt(G) - 65 87 66 97 76 97 68 74 91 24 82 44
HDFC TaxSaver(G) 73 15 74 90 88 64 71 85 56 62 85 21 72
Religare Tax Plan(G) - 70 91 59 62 88 85 44 47 71 97 85 34
Canara Robeco Equity Tax
- 69 97 75 79 94 82 47 32 85 88 91 94
Saver(G)
Scheme Return (%) Annualized AUM Turnover Expens Standard Bet Alph Rating
(Crs) (%) e Ratio Deviatio a a *
1Yr 3Yr 5Yr 10Yr n
Franklin India Tax
-4.61 30.05 9.03 24.14 787 24.57 2.14 4/5
22.56 *Inflation of 7.00%p.a.
0.82 7.56
shield(G)
Fidelity Tax Advt.(G) -9.50 30.51 9.37 - 1125 11.00 2.00 22.90 0.84 7.66 5/5
HDFC TaxSaver(G) -11.12 32.82 7.18 28.00 2880 30.29 2.07 24.92 0.90 8.35 4/5
Religare Tax Plan(G) -6.62 29.18 9.91 - 103 26.00 2.48 22.87 0.82 6.71 4/5
Canara Robeco Equity
-5.92 33.29 12.39 21.66 307 19.00 2.33 27.44 0.97 8.50 5/5
Tax Saver(G)
* - Valueresearchonline Ratings
Data as on 24th January 2012
# 4’10 represents forth calendar quarter of year 2010.
19. Disclaimer
This document is prepared by TBNG Financial Consultants for general information purposes only and should not be
construed as an offer or solicitation of an offer for purchase of any products offered by TBNG Financial Consultants. It
does not consider the investment objectives, financial situation or particular needs of the recipient. The contents are
based on publicly available information and are not intended to provide professional advice and should not be relied
upon in that regard. This transmission may contain information that is privileged, confidential, legally privileged, and/or
exempt from disclosure under applicable law. You are hereby notified that any disclosure, copying, distribution, or use
of the information contained herein (including any reliance thereon) is STRICTLY PROHIBITED. Information gathered and
material used in this document is believed to be from reliable sources. The TBNG however does not warrant the
accuracy, reasonableness and/or completeness of any information. For data reference to any third party in this material
no such party will assume any liability for the same. All recipients of this material should before dealing and or
transacting in any of the products referred to in this material make their own investigation, seek appropriate
professional advice and carefully read the offer document. We have included statements/opinions/recommendations in
this document, which contain words, or phrases such as "will", "expect", "should", "believe" and similar expressions or
variations of such expressions that are "forward looking statements". Actual results may differ materially from those
suggested by the forward looking statements due to risk or uncertainties associated with our expectations with respect
to, but not limited to, exposure to market risks, general economic and political conditions in India and other countries
globally, which have an impact on our services and / or investments, the monitory and interest policies of India,
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dated and may or may not be relevant any time after the issuance of this material.
TBNG Financial Consultants
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