5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017

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POPULARPOSTS
Mutualfundsaregoodinvestmentproductsforpeoplewhoarenotrisk
averse.Todaywecancheckoutthetop10bestperformingmutualfunds
15BestInvestmentOpons,Plans
inIndiaforSIPin201617.
inIndiaforbeginnersLong&
ShortTerm
RememberthatIdidnotjusttakepastperformanceintoconsideraonto
rankthetop10bestmutualfunds. BestPennyStocksinIndia2016
2017inNSEBSEBuying/Invesng
Ialsolistedthembasedonhowtheycanperformandhowsafethe inpennystocksGoodorBad?
investmentwillbe.Onlymewilltellifmyassessmentisright. WhatisdierencebetweenNEFT
andRTGS,IMPSTimings,Transfer
ThesefundsIexpecttobeinthetopmutualfundperformersthough limit,Charges
someotherfundsmay/maynotbeatthem.Butthatisimpossibletotell
Top5bestLiquidfundsormoney
nowandcanonlybeknowninhindsight.
marketfundsinIndia20162017

Youcaninvestcapitalinmutualfundstosavetaxorgettaxconcessions HowtocheckEPFbalanceonline,
andalsotogrowwealth. SMSenquiry,missedcall,UAN
mobileApp
Thesefundsmustnotdestroycapitalinthelongrunbutatsameme 5Bestbalancedmutualfundsto
mustprovideyouhighinaonbeangreturnsinthelongrun(5yearsor investinIndiafor20162017and
more). why

7mustdothingsonHomeLoan
Forsomeonewhoiswarminguptotheinvestmentgame,choosingthe
PrepaymentandClosure
rightmutualfundscanbeatrickyproposion.
procedure

Manyfactorsaecttheseproductsincludingfundhouserules,fund Whatdocumentstocheckto
managers,stockmarketuctuaons,andporolioallocaon.Afundthat avoidfraudwhenbuying
house/property?
performedwellinthepastmayormaynotnotconnuetoprovidegood
returnsinthefuture. Howtocalculatecreditcardlate
paymentfeesandnancecharges

Top10bestperformingmutual Best3in1DematAccountand
TradingAccountinIndiaBasedon

fundstoinvestinIndia
http://www.smartmoneygoal.in/blog/top10bestperformingmutualfundstoinvestindiasip/
Convenience
1/20
 fundstoinvestinIndia
5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017

Sowithoutdelayherearetop10bestperformingmutualfunds(regular
plans)youcanconsidertoinvestin20162017.Ihaveevaluatedthefunds KeepmeinyourGoogle+
onvariousparameterssuchas: circle

FundManager
AssetUnderManagement(AUM)totalcapitalinvestedthoughnot
importantfactor
Returnsover1yr,3yrand5yrcomparedtoBenchmarkandpeersin
fundcategory Parani Dharan (Parsha)
google.com/+ParaniDharanParsha
Expenseraosandriskanalysis
Follow
Holdingsintheporolio 159 followers

BalancedfundsandELSSmutualfundshavenotbeenconsidered.Only
DiversiedEquityFundsconsidered.
Nosegregaonmadeonlarge,mid,smallcapfunds.Allwere
LIKEUSONFACEBOOK..
consideredequal.
Smartmoneygoal.in
NoCRISILMFrankingfactorasitisnotveryimportantfactorinmy 2,125likes

opinion.
LikePage Share
RiskAnalysisisalsoanimportantfactorwhenchoosingthebestmutual
funds.Inthislistwehavefundsthattakelowriskandsomefundstake Bethefirstofyourfriendstolikethis

higherriskandinvestorsshouldinvestaccordingtoriskappete.

Popular:15BestInvestmentPlansinIndia

Somebackgroundonimportantraos(calculatedon3yrreturns):

1.BetaRaolessthan1,thenfundhaslowerriskcomparedto
Benchmarkindex.Ifbenchmarkindexshows100%,thenfundwill
dropgrowlessthan100%andviceversafordropinreturns.Inother
words,Betacomparesthevolalityofmutualfundtoitsbenchmark.
2.SharpeRaogreaterthevalueofthisrao,morearacveisthe
riskadjustedreturn.Itgiveshowmuchriskhasbeentakento
generatethereturn.Itisexcessreturnaboveriskfreereturn.
Categories
3.SornoRaousefulforanalyzinghighvolalestocks(assets).A
biggerraoindicateslowprobabilityofhugeloss.
SelectCategory
4.StandardDeviaon(SD)SDgivesthevolalityofreturnsoverpre
determinedperiod.Inotherwordshowconsistenthasthereturns
been.
5.ExpenseRaoItisthetotalexpenseofmutualfundaspercentage
ofaveragenetassets.AsAUMincreasesusuallyExpenserao
decreases.

Category
Avg. AUM
FundName Expense (Rs. AnnualizedReturns
(Capital)
Ratio Cr)

1Yr 3Yr 5Yr

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5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017

ICICIPru
Focused Large 2.16 8884 7.4 16.1 11.3
Bluechip

BirlaSunlife
Large 2.26 9434 5.5 18.1 12.6
FrontlineEquity

FranklinIndia
Multi 2.28 6045 2.86 22.9 15.00
PrimaPlus

UTIMNCFund Multi 2.60 1683 3.73 28.49 21.14

PPFASLong
Multi 2.63 588 1.45 N.A N.A
TermValue

MiraeAsset
Emerging Mid/Small 2.55 1138 0.78 32.86 23.50
Bluechip

CanRobeco
Emerging Mid/Small 2.82 804 2.59 33.23 21.68
Equities

HDFCMidCap
Mid/Small 2.22 9193 2.42 28.22 20.11
Opportunities

IDFCPremier
Multi 2.25 5410 7.72 23.26 17.57
Equity

KotakSelect
Large 2.21 3717 3.63 21.77 14.44
FocusFund

*Figuresasper29February2016
***NetAssetValue(NAV)ason23/3/2016

1.ICICIPrudentialFocusedBluechip
Thefundwascreatedin2008,andtheinvestmentporolioishandledby
assetmanagersManishGoswamiandAtulPatelsince2012.

Fundsarecurrentlyinvestedmostlylargecapcompanies.Theseare
chosenfromthetop200companiesthatarelistedonNSE.

Themutualfundisconsistentlyperformingwellandhasprovided11.3%
annualizedreturnsinthelastveyears.Ithasntperformedaswellas
expectedinthelast12monthscomparedtoitspeers.Butlargecap

orientedfundisgoodforconservaveinvestors.Alsothechurnor
turnoverisless.

Fund Nifty50 Category

Years
returns (Benchmark) Average

1yr 7.4 9.8 6.8

http://www.smartmoneygoal.in/blog/top10bestperformingmutualfundstoinvestindiasip/ 3/20
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3yr 16.1 11.1 13.9

5yr 11.3 7.0 7.9

Theequityfundholdingshashighqualitylongtermstocksandmaywell
deliverbeerreturnsinthecomingyears.Bankingandtechnologysector
gureprominentlyinthefundsassetholding.Youcancheckmoreabout
fundhere

CompanieslikeHDFCBank,ICICIBank,AxisBank,Infosys,ITC,HCL,
RelianceIndustries,Larsen&Toubro,IndusindBankandBajajFinserv
formthetop10fundassets.

NAV(52weeks) 27.34

PerformanceMetrics

StandardDeviation 14.30%

SharpeRatio 0.37

R.Squared 0.95

Beta 0.97

Treynor 5.50

SortinoRatio 0.66

2.BirlaSunlifeFrontlineEquity
Createdin2002,theobjecveofthisequityfundislongtermcapital
growththroughlargecapcompanies.Assetmanager,MaheshPalhas
beenhandlinginvestmentporoliofrom2006.Almost85%offunds
remaininvestedinlargecapcompanies.Checkhereformoredetailson
thefund.

Themutualfundhasbeenperformingwell,especiallyduringfalling
markets,andhasprovided12.6%annualizedreturnsinthelastveyears.
Ithasconsistentlybeatenthebenchmarkindex(S&PBSE200)and
category.

Fund S&PBSE200 Category

Years
returns (Benchmark) Average

1yr 5.5 8.7 6.8

3yr 18.1 12.7 13.9

5yr 12.6 7.6 7.9

http://www.smartmoneygoal.in/blog/top10bestperformingmutualfundstoinvestindiasip/ 4/20
5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017

Thefundholdingincludessuperiorstocksandwillconnuetodeliver
goodreturnsinthecomingyears.Althoughnancialsectoraccountsfor
largestassets,thefundmanagerhasmadeoil&gasandenergysectorhis
currentfocusareasforassetallocaon.

CompanieslikeHDFCBank,ICICIBank,SunPharmaceucal,Infosys,ITC,
HCL,RelianceIndustries,Larsen&Toubro,IndusindBankandNaonal
ThermalPowerCorpformthetop10fundassets.

NAV(52weeks) 23.49

PerformanceMetrics

StandardDeviation 14.82%

SharpeRatio 0.5

R.Squared 0.96

Beta 1.1

Treynor 7.3

SortinoRatio 0.93

3.FranklinIndiaPrimaPlusFund
Thefundwascreatedin1994toprovidecapitalgrowthanddividendfrom
mixedporolioofequity,debt,andmoneymarketinstruments.The
investmentporolioishandledbyassetmanagersAnandRadhakrishnan
andRJanakiramansince2013.Fundsarecurrentlyinvestedinvarious
companiesindierentsectorswithsmalltomediumcapital.

Themutualfundisconsistentlyperformingwellandhasprovided15%
annualizedreturnsinthelastveyears.Ithasntperformedaswellas
expectedinthelast12monthsbutfaredbeerthanpeersandisslla
beerperformingfund.

Fund Nifty50 Category

Years
returns (Benchmark) Average

1yr 2.86 9.76 6.51

3yr 22.09 10.92 17.44

5yr 15.00 7.08 10.93

Theequityfundholdingsincludequalitystocksandwillwelldelivergood
returnsinthecomingyears.Finance,Automobileandtechsectorgure
prominentlyinassetholding.Morefunddetailshere.

CompanieslikeHDFCBank,ICICIBank,AxisBank,Infosys,KotakMahindra
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CompanieslikeHDFCBank,ICICIBank,AxisBank,Infosys,KotakMahindra
Bank,Dr.ReddysLaboratories,YesBank,Larsen&Toubro,IndusindBank
andBharAirtelformthetop10fundassets.

NAV(52weeks) 429.19

PerformanceMetrics

StandardDeviation 14.21%

SharpeRatio 0.73

R.Squared 0.87

Beta 0.93

Treynor 11.15

SortinoRatio 1.33

4.UTIMNCFund
Thefundwascreatedin1998toinvestfundsinequityofmulnaonal
companies.AssetmanagerSwaKulkarniishandlinginvestmentporolio
since2004.Fundsarecurrentlyinvestedinmulnaonalcompaniesin
diversesectors.

Themutualfundisconsistentlyperformingwellandhasprovided21.14%
annualizedreturnsinthelastveyears.Hasprovidedphenomenalreturns
andisexpectedtodogood.Howeversomefundsinthislistmay
outperformthisfundasholdingsarealreadyfairlyorovervaluednow.

Fund Nifty50 Category

Years
returns (Benchmark) Average

1yr 3.73 9.76 3.92

3yr 28.49 10.92 17.39

5yr 21.14 7.08 9.77

Theequityfundholdingsincludeestablishedbrandstocksandcandeliver
goodreturnsinthecomingyears.FMCG,EngineeringandAutomobile
sectorsgureprominentlyamongfundassets.

CompanieslikeHindustanUnilever,Bosch,AmbujaCements,United
Spirits,MaruSuzukiIndia,BritanniaIndustries,CumminsIndia,Sano
India,EicherMotors,Mphasisformthetop10fundassets.

NAV(52weeks) 144.07

PerformanceMetrics

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5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017

StandardDeviation 16.41%

SharpeRatio 1.04

R.Squared 0.67

Beta 0.94

Treynor 18.03

SortinoRatio 1.74

Popular:BestELSStaxsavingmutualfunds

5.PPFASLongTermValueFund
Thefundcreatedin2013seekslongtermcapitalgrowththrough
investmentsinequityandrelatedinstruments.Investmentporoliois
handledbyassetmanagersRajeevThakkarfrom2013andRajMehta.

Themutualfundhasperformeddecentlyandhasprovided19.84%
annualizedreturnsinthelasttwoyears.Itperformedmuchbeerthan
othertopmutualfundsinthelast12months.Itisarecentfundandmany
maysaywhereis5yeartrackrecord?

ButPPFASisanestablishedandtrustablefundhouserootedinvalue
invesng.THisistheonlyfundincludedwhichislessthan3years.

Fund Nifty50 Category

Years
returns (Benchmark) Average

1yr 1.45 9.76 6.51

2yr 19.84 8.97 17.83

3yr N.A 10.72 17.44

Theequityfundholdingsincludegoodstocksandmaywelldeliverbeer
returnsinthecomingyears.Financial,techandservicesectorsgure
prominentlyinassetholdingpaern.
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5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017
prominentlyinassetholdingpaern.

CompanieslikeHDFCBank,ICICIBank,AxisBank,MaharashtraScooters,
ICRA,UnitedParcelServices,PersistentSystems,ZydusWellness,
MahindraHolidays&ResortsIndiaandAlphabetIncformthetop10fund
assets.MoredetailsfromPPFAS.

ThisfundalsoinvestsinOverseascompanieslikeGoogle,IBM,Nestleetc.,
andprovidesinternaonaldiversicaon.

NAV(52weeks) 16.60

PerformanceMetrics

StandardDeviation 12.51%

SharpeRatio 0.86

R.Squared N.A

Beta 0.62

Treynor N.A

SortinoRatio N.A

6.MiraeAssetEmergingBluechipFund
Thefundwascreatedin2011forachievingcapitalappreciaonby
invesnginIndianequiesandequityrelatedcompanysecuries.Asset

managersGopalAgrawalandNeeleshSuranahandleporoliofrom2010.

Fundsareinvestedinthosecompanieswith100croreormoreinmarket
cap,butwhicharenotintop100stockslist(bycapitalisaon).

Themutualfundhasperformedwellinthepastandhasprovided23.60%
annualizedreturnsinthelastveyears.Greatfundforpeopleseeking
higherreturnsandwillingtotakemorerisk.

Fund Category
NiftyMidcap100
Years Index
returns Average
(Benchmark)

1yr 0.78 9.76 10.53

3yr 32.86 10.92 21.94

5yr 23.60 7.08 16.43

Theequityfundholdingincludegoodstocksandislikelytodeliverhigh
returnsinthecomingyears.Moreassetsareallocatedtonancial,
servicesandhealthcaresectors.

CompanieslikeHindustanPetroleumCorpn,TorrentPharmaceucals,
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CompanieslikeHindustanPetroleumCorpn,TorrentPharmaceucals,
FederalBank,SundaramFinance,CEAT,IndusindBank,Voltas,Kotak
MahindraBank,ExideIndustriesandNatcoPharmaformthetop10fund
assets.

NAV(52weeks) 56.13

PerformanceMetrics

StandardDeviation 16.59%

SharpeRatio 1.20

R.Squared 0.72

Beta 0.98

Treynor 2.19

SortinoRatio 1.91

7.CanRobecoEmergingEquities
Thishighperformingmutualfundwascreatedin2005andinvestsinmid
capstocksthatarerankedfrom151to500(intermsofmarket
capitalisaon).InvestmentporolioishandledbyassetmanagersRavi
GopalakrishnanandKrishnaSanghvifrom2012.

Themutualfundisconsistentlyperformingwellandhasprovided21.68%
annualizedreturnsinthelastveyears.Predominantinvestmentsarein
midcapcompaniesonlyasfundnamesuggests.

Fund Nifty50 Category

Years
returns (Benchmark) Average

1yr 2.59 2.10 1.50

3yr 32.23 19.94 30.24

5yr 21.68 10.40 17.59

Theequityfundholdingsincludedecentstocksandmaywelldeliver
strongreturnsinthecomingyears.Construcon,Financeandengineering
areprominentinvestmentsectors.

CompanieslikeIndianOilCorpn,IndusindBank,DivisLaboratories,
AshokaBuildcon,TataCommunicaon,RamcoCements,NavinFluorine
Internaonal,FAGBearingsIndia,AtulandPrajIndustriesformthetop10
fundassets.

NAV(52weeks) 27.34

PerformanceMetrics
http://www.smartmoneygoal.in/blog/top10bestperformingmutualfundstoinvestindiasip/ 9/20
5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017

StandardDeviation 22.15%

SharpeRatio 0.87

R.Squared 0.68

Beta 1.28

Treynor 15.10

SortinoRatio 1.40

8.HDFCMidCapOpportunities
Thefundcreatedin2007aimsatopmizingcapitalgrowthbyinvesngin
equityandrelatedsecuriesofmediumandsmallcapcompanies.Asset
managersChiragSetalvadandRakeshVyashavebeenhandlingfunds.

Themutualfundhasconsistentlyperformedwelleveninbearmarkets,
andhasprovided20.11%annualizedfundreturnsinthelastveyears.Its
performancewaslowerthanbenchmarkindexinthelast12months,but
beerthanpeersandisoneofbestmidcapfunds.

Fund NiftyMidcap100 Category

Years Index
returns (Benchmark) Average

1yr 2.42 2.09 6.01

3yr 28.22 19.94 19.23

5yr 20.11 10.40 11.85

Theequityfundholdingsincludequalitystocksandcanbeexpectedto
delivergoodreturnsinthecomingyears.Financialandengineering
sectorsaccountforagreaterpercentageofassetholding.

CompanieslikeHindustanPetroleumCorpn,TorrentPharmaceucals,
BajajFinance,DivisLaboratories,AurobindoPharma,AxisBank,
CholamandalamInvestment&Finance,Voltas,JagranPrakashanand
CarborundumUniversalformthetop10fundassets.YoucancheckHDFC
mutualfundwebsitehere

NAV(52weeks) 35.83

PerformanceMetrics

StandardDeviation 16.69%

SharpeRatio 0.94

R.Squared 0.68

Beta 0.96
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5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017
Beta 0.96

Treynor 16.23

SortinoRatio 1.61

9.IDFCPremierEquity
Thefundcreatedin2005investsinequityandrelatedinstrumentsof
smallandmidcapcompanies.AssetmanagersMeenakshiDawar(from
2011),AniruddhaNaha(from2015)andPunamSharma(from
2015)handleinvestments.ThiswasonceagshipfundofKenneth
Andradewhohasnowmovedawayfromthistopperformingmutualfund.

Fundsarecurrentlyinvestedinsmallandmidcapcompanieswith
reasonablevaluaon.ThisisoneofrstfundsthatinvestedinPAge
Industries,BlueDartetcunderAndrade.Keepaneyeoutifperformance
connuesundernewmanagerelseswitchoutaerayearortwo.

Themutualfundhasperformedwellinthepastandhasprovided17.57%

annualizedreturnsinthelastveyears.Ithasntperformedaswellinthe
last12monthscomparedtopeersmanymightarguebutrememberit
performedbrilliantlycomparedbenchmarkstocks.

Fund Category
S&PBSE500
Years
returns (Benchmark) Average

1yr 7.72 8.55 4.33

3yr 23.26 12.95 25.08

5yr 17.57 7.55 16.52

Theequityfundholdingsincludedecentstocksandmaywelldeliver
beerreturnsinthecomingyears.Finance,Serviceandengineering
sectorsgureprominentlyinassetholding.

CompanieslikeVardhmanTexles,SKSMicronance,BlueDartExpress,
AshokLeyland,VATechWabag,FAGBearingsIndia,MaruSuzukiIndia,
PageIndustries,GujaratStatePetronetandAsianPaintsformthetop10
fundassets.

NAV(52weeks) 68.01

PerformanceMetrics

StandardDeviation 16.30%

SharpeRatio 0.74

R.Squared 0.72

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5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017
Beta 0.97

Treynor 12.50

SortinoRatio 1.22

10.KotakSelectFocusFund
Thefundwascreatedin2009toprovidecapitalappreciaonwithvaried
ofequityandequityrelatedinstrumentsinselectsectors.Assetmanager
HarshaUpadhyayahasbeenhandlingporoliosince2012.

Themutualfundhasconsistentlyperformedwellandhasprovided
14.44%annualizedreturnsinthelastveyears.Itsperformancewasnt
bestinthelast12months,butbeerthanbenchmarkstocksand
categorypeers.Predominantlylargecapfund.

Fund Nifty200 Category

Years
returns (Benchmark) Average

1yr 3.63 8.89 6.51

3yr 21.77 12.50 17.44

5yr 14.44 7.62 1.93

Theequityfundholdingsincludequalitystocksandmaydelivergood
returnsinthecomingyears.Financeandconstruconsectorsgure
prominentlyinassetholding.Checkformorefunddetails.

CompanieslikeHDFCBank,ICICIBank,AxisBank,Infosys,MaruSuzuki
India,ShreeCement,RelianceIndustries,Larsen&Toubro,IndusindBank,
UltratechCementandRamcoCementsformthetop10fundassets.

NAV(52weeks) 21.96

PerformanceMetrics

StandardDeviation 15.59%

SharpeRatio 0.66

R.Squared 0.91

Beta 1.04

Treynor 9.96

SortinoRatio 1.29

5bestbalancedmutualfundstoinvestinIndia

http://www.smartmoneygoal.in/blog/top10bestperformingmutualfundstoinvestindiasip/ 12/20
5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017

Topperformingmutualfundsto
investbasedonriskappetite
Nowthatwehaveseenthetop10bestperformingequitymutualfundsto
investinIndia,itismetoclassifythembyriskappete.

Pleasenotethatthislisnghasbeendonebasedonmyopinionand
currentfundperformance,riskonly.

Yourefreetoignorethisseconifyoulike.Imsuremanyreaderswillask
doubtwhichmutualfundstheymustchooseandthatiswhyIhavetried
toanswerinadvanceforyourbenet.

Youshouldbeabletoclassifyyourselfaseitheraggressive,moderateor
conservaveinvestor.

Investorswithactualorpossiblegoodinheritancemaychoosetobe
aggressive.Thereisnoonesizetsall.

PleasenotethatitismyopinionthatonemustownminimumoneELSSor
balancedfundtomakeuseoftaxsaving,debtexposure.Sochoose2
fundsfrom3listedineachcategory.

Top3bestfundstoinvestforaggressive
investors
Aggressiveinvestorsaretheonewhocanstomachhighvolalityandrisk
capital.Theirapproachwillbeaimedathighreturnseveniftakinghigher
risks.IdealInvestorsinthiscategorywouldbeunderageof35,haveused
upmosttaxsavingoponandwithinsurance,emergencyfunds.

Ifyouresavinginmutualfundslessthan5yearsdontconsiderthis
opon.Outperformancebothonupsideanddownsideislikely.Notethat
thisstrategyinvestsmainlyinSmallMidcapfunds.

1.CanaraRobecoEmergingEquies
2.MiraeAssetEmergingBluechip
3.HDFCMidcapOpportunies

Top3bestfundstoinvestformoderate
investors
Moderateinvestorsaretheonewhocanstomachmediumvolalitybut
alsolookforsteadyreturns.Theirapproachwillbeaimedathighreturns
thanconservaveinvestorsbutalsobitsteadyreturnsthatoutperforms
inaon.

Moderateinvestorsarethosewhoideallywouldbebetween3045years.
Abouttofulllresponsibiliesin510yearsperiodlikechildmarriage,
collegetuionandplanforrerementthatiscloseto20years.
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5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017
collegetuionandplanforrerementthatiscloseto20years.

1.FranklinIndiaPrima
2.KotakSelectFocusFundorBirlaSunlifeFrontlifeEquity
3.ICICIPruFocusedBluechipEquity

Top3bestfundstoinvestforconservative
investors
Conservaveinvestorsaretheonewhowantsafetyofprincipal.They
cantaordtolosemajorcapitaleveninshortrunandpreferlower

returnsforlesservolality.Howevertheyseektobeatinaon.

Conservaveinvestorsarethosewhoideallywouldbeabove45years.
Theirprimarygoalwouldbesaveformedicalexpensesandplanfor
rerementthatwouldstartin515years.

1.PPFASLongTermValueFund
2.ICICIPruFocusedBlueChipFund
3.KotakSelectFocusFundorUTIMNCFund

Again,atsakeofrepeangtheseseleconmaynotsuiteverybodyasI
havetriedonlytoclassifytheapproachthattsmajority.Eachindividual
mustassesshim/herriskappete,goalsproperlybeforeinvesng.

ReadmyarcleonTop5bestliquidfunds

Howtobuildtopmutualfunds
portfolio
Invesnginstocksisnotforsomeonewhoisriskaverse.Sochoosewhat
typeofinvestoryoure.Stockmarketshavetheirupanddownturnsand NEVERMISSANEW
arequiteunpredictable. POST..

Thismakesitdicultfortheaverageindividualtokeepaconstanttrackof
Enteryouremailaddress:
variousmarketsandcompanystocksandthatiswhyIsuggestmutual
funds.Ifyoudonthaveknowledgeorexperience,youcouldendupwith GETITFREE
lossesorevenlossincapitalwhendealingdirectlyinstocks. NewPostsDeliveredby
FeedBurner
Evenifyouvedabbledinstocksearlier,whystartfromscratchwhenthere
aremutualfundcompaniesthathavedonethegroundwork?Theirasset
poroliosaremanagedbyprofessionalsandfollowstandardregulaons.

1.Idenfyyournancialgoals

Itisimportanttoidenfyyouimportantnancialgoal/sbeforeyoubuild
yourporolio.Whatisthepurpose?

Doyouwantlargerrerementfund,incometomeetchildrenseducaon
ormarriageexpenses,ormoneytobuyahouse?

http://www.smartmoneygoal.in/blog/top10bestperformingmutualfundstoinvestindiasip/ 14/20
5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017

Onceyouhaveagoodideaofinvestmentpurpose,corpusneeded,and
themeline,checknancialwebsitesforinformaon.Youwillbeableto
planfordierentscenariosandalsoaccountforinaonaryeectson
longtermfunds.

2)Findyourappeteforrisk

Findouthowmuchriskyourewillingtotakewhilefactoringinyourage.
Ifyoureyoungandhavejustbegunyoucareer,optforalargershareof
equityfundsinyourporolio.

Youcantaordtotakeriskswhenyounearingrerementorabove60.In
thiscase,limityourequityexposure.Dontgetgreedyandbetoo
aggressive.Orbetooconservaveandmissoutpotenalreturns.Strikea
balanceinmutualfundsporolio.

3)Selecttop5bestmutualfundhouse

Ifyourenewtotheworldofmutualfunds,gowithanestablishedfund
house.Chooseacompanythatisknownitsnancialservicesand
consistentlyperformingfundsindierentcategories.

Whenindoubt,choosemutualfundsthathaveprovidedgoodreturns
overaveyearperiod.Shortlisttop5fundhouses.

4)Understandfundobjecve

Nowthatyouveshortlistedfundsbasedonabovecriteria,youshould
understandtheinvestmentgoalforwhicheachfundhasbeencreated.
Somefundswillonlyinvestintop100companies.Othersinvestinstock
ofcompanieswithlargetomediumcapital.

Somewillholdmorestockassetsfromparcularsectors.Fundsalsohave
amarketbenchmarkindextheyfollowlikeNSE50orBSE200.Asthese
decisionsarelongterm,makesurefundobjecveisbroadand
investmentisdiverseandalignswithyourinvestmentobjecve.

5)Shortlisttop5bestmutualfundschemes

Foryourlistoftop3ortop5candidates,baseyourdecisiononpast
performanceofmutualfunds.Lookforconsistencyinperformanceovera
3,5or10yearperiodandtheircurrentfundmanagerrecord.

Checkwhetherchosenfundperformsbeerthanbothpeersinits
categoryandbenchmarkindex.Hasyourfundweatheredvolaleand
bearishmarkets?Investin23schemes.Why?LookforFAQseconbelow.

Tochoosebetweentwosimilarschemes,considerfundcharges,risk
rewardsandfundmanagersoverallperformance.Theninvestinthese
http://www.smartmoneygoal.in/blog/top10bestperformingmutualfundstoinvestindiasip/ 15/20
5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017

topfundssuitabletoyou.

6)Keeptrackofinvestment

Invesngisonepartofthejob.Tomaximizewealthgeneraon,monitor

yourinvestmentsandperformperiodicupdates.Avoidthetemptaonto
makechangeswithinrst612months.Youhavetoincurextracharges
everymeyouchangefunds.

Aslongasyouregengexpectedreturnsorsimilarcategoryreturns,
dontchangefundsoraddnewonesoverforshorttermperformance.
Considerreplacingafund,onlyif,itistrailingandprovidinglowerreturns
formorethanayearoridealtwoyearunderperformance.

7)Focusonassetallocaon

Aeryouveanalysedfundobjecves,fundperformanceandmadeyour
decision,itismetofocusonyouractualassetallocaon.Ideallyit
shouldbedonebeforeinvesngbutalsoaerinvesngatregular
intervals.

Dontputallyoureggsinonebasketstocksormutualfundsforlonger
duraonevenifyoureheavyrisktaker.Diversifyyourinvestmentand
includeothergrowthassetsincludingrealestate,gold,liquidfundsand
bankdepositsasperyourneeds.

Assetallocaonanditsimportance

FAQsinvestingingoodperforming
mutualfunds
1.ShouldIinvestinDirectPlanorRegularPlanofmutualfund

ThisisaverycommonquesonandImplanningtowriteapostonto
itself.Butthatisforlater.

OneshouldconsiderDirectPlanasmuchaspossible.Whyshouldyou
parereturnswheninvesngonlineinmutualfundsissoeasy.Regular
Planspaycommissionstodistributorsandthisreectsinfund
performanceandNAVreturns.Ason31stMarch2016,

PPFASRegularPlanNAVisRs16.768

PPFASDirectPlanNAVisRs17.005

Thesecancreatesignicantdierenceinabsolutetermsoverlong
periods.SopreferDirectFundasmuchpossible.readwhymutualfund
expenseraoisimportanthere.

2.CanIinvestinmutualfundsfor2years
http://www.smartmoneygoal.in/blog/top10bestperformingmutualfundstoinvestindiasip/ 16/20
5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017

No.mutualfundsaregoodlongterminvestments.Notsuitableifme

horizonislessthan5years.Minimumis3yearsbutthereisnotmuch
performanceguaranteeevenifitisthebestfundwithlessermehorizon.

3.Willmymoneydoublein3years?Canyouguarantee15%return.Tell
methebestfundforthat

Nodearfriend.Asifmakingmoneywasthateasy.Theleastyoucan
expectisinaonbeangreturn.Whatevercomesmorethanthatfrom
mutualfundisextra.Nobodycanguaranteereturnsinmutualfund.

4.Aremutualfundsreturnstaxable?Aretheysafe?

Asofnow,equitymutualfundreturnslongtermarenottaxable.Mutual
fundsinIndiaareregulatedbyAMFIandissafeinregulaons.Butreturns
arenotguaranteedinequitymutualfunds.However,over5yearsormore
mostequitymutualfundscanbeconsideredsafe.AlsocheckSEBsmutual
fundFAQhere.

5.ShouldIinvestasSIPorlumpsuminmutualfunds

Well,thatdependsonstatusofmarketandfuturelook.Foranindividual
investorthough,itisbeertoinvestinSIP(SystemacInvestmentPlan)
andstaythecourse.Lumpsumcanbemadeifyouresuremarketsare
expectedtooutperforminfuture.Forthis,youmustfollowtheequity
markets.BeerdoanSIPwithdiscipline.

6.ShouldIchooseDividendorGrowthoponPlanformymutualfund

Again,dependsontheinvestor.ifyoureoldorinneedofregular
paymentschoosedividendopon.ElsebeertosckwithGrowthopon
ifthereisnoneedtowithdrawmoney.

BychoosingGrowthopon,youpreventDividendDistribuonTaxand
thereturnsarereinvestedfornalbeerreturns.AllmyELSSfundsare
DirectGrowthopon.

7.IsitbeertoinvestinfundswithlowerNAVie.,Rs10NAVbeerthan
Rs250NAV?

Itisacommonmyth.FundNAVdoesnotmaerbeitRs10or1000.NAV
isonlyreeconoffundvalue/units.Allthatmaersiscompounded
returnsfromthemeyouinvest.SodontconsiderNAVvaluemuch.

8.WhycantIinvestinstocksdirectlythaninvesnginmutualfunds

Yes,youcan.Providedyouknowwhatyouredoing.ifapersoncan
managehisownstocksthenmutualfundsarenotrequired.Manyarenot

qualiedthough.Ifyouknowthemedicinewhynotbuyyourselfinstead
http://www.smartmoneygoal.in/blog/top10bestperformingmutualfundstoinvestindiasip/ 17/20
5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017
qualiedthough.Ifyouknowthemedicinewhynotbuyyourselfinstead
ofgoingtoDoctor?

9.HowmanydierentmutualfundsshouldIinvestin

Morefundsdoesnotmeanmorediversicaon.Eachfundthemselves
have3050stocks.Carefullychosen,onecanachievealldiversicaonin
23funds.Iwouldnotadvocatehavingmorethan2diversiedfunds.You
canaddinabalancedfund,ELSSfundandmaximumis4funds.

Latestperformanceoffundscanbecheckedhere.

Invesngrequirespracce,paenceandtrackingtheinvestments.Beer
takegoodprofessionalhelpifyoucantdevotemetolearnandkeep
track.Chooseandinvestingoodperformingmutualfunds.

Disclaimer:Aboveopinionispersonalandshouldnotbeconsideredas
substuteforprofessionaladvice.ImnotSEBIregisteredanalyst.Past
performanceisnoindicatorforfutureperformance.Thougheveryeort
wastakentohaveaccuratedatatheremaybesomeerrors.Wedonot
receiveanycommissionorpaymentforrecommendingthesefundsand
donesolelyforeducaongtheinvestor.Doyourownanalysis.

Haveyouinvestedinanyofthesemutualfunds?Areyouhappywithyour
investmentchoice?IsthereafundthatyoufeltdeservedspotonthisTop
10bestperformingmutualfundstoinvestinIndialist?Letusknowwith
yourcommentsoraskifanydoubts.

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1.5BestbalancedmutualfundstoinvestinIndiafor20162017and
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2.Top5bestLiquidfundsormoneymarketfundsinIndia20162017
3.5BestDiversiedEquityMutualFundsinIndiaforinvesngin2015
2016
4.Howtocalculatemutualfundsreturnsyourself

Aboutparsha
I'mParaniDharanandmypassionincludesinvesng,nance,
Gaming.Ialsolovewringforthisblogwhichwasstarted

iniallytoanswerhisfamily/friends.I'vesuccessfullytried
entrepreneurship,usedtoworkintheprofessionalnancialindustrybut
nowworkforacoolITrmoutofDubai&US.
http://www.smartmoneygoal.in/blog/top10bestperformingmutualfundstoinvestindiasip/ 18/20
5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017

Comments

siddhantamitrasays
May12,2016at12:52pm

Dearparsha..Idiligentlyfollowurblog..Istarteddoingsipof10k/month
recently.Ihaveinvestedonaxislongtermequity,iciciprufocussedblue
chip,franklinprimaplus,utimidcap..hdfcmidcapopportunities..Plzgive
youropinionaboutmyselections.Iam40yroldmaleandhavea10yr
targetgoal.Pleasetellmehowtodecidetheidealtymforreimburse,stop,
anddiversifyfund.Thanks

Reply

AshutoshMohansays
May12,2016at12:02pm

IhaveBirlasunlifeadvantagefundforthepast5yrs,shouldIholdonor
switchalsoletmeknowthesameforHDFCIncomefundgrowth

Thanks

Reply

MunishNebsays
May10,2016at5:04pm

IaminvestingthroughsipinRs3000infollowingMFBirlaSunlifeFrontline
equity,IDFCPremierequityfund,HDFCTop200,HDFCTaxSaverandTata
BalancedFund,Pleaseguidemethatfundselectionisrightorihaveto
changefund

Reply

parshasays
May10,2016at9:02pm

HIMunish

Allaregoodfunds.PleasecontinuetheSIPs.Donotaddmorefunds
butratherincreasetheSIPsinfutureifinvestingmore.

Reply

jaykumarsays
April15,2016at5:31am

IwishtostartdiversifiedfundSIP@1000pm.Iamintheagebracketof35
50yearsandgoingbyyouradvisoryshouldincludetwomidcapandone
large.kindlyguideandsuggest.

http://www.smartmoneygoal.in/blog/top10bestperformingmutualfundstoinvestindiasip/ 19/20
5/14/2016 Top10bestperformingmutualfundstoinvestinIndiaforSIP20162017

Reply

parshasays
April22,2016at4:08pm

HiJayKumar

1000pmisbestdividedin12funds.Notmorethanthat.Youcanuse
onelargeandonemidcapfund.Maybecanaddonemorewhenyou
caninvestmore.ThenincreasetheSIPamountsinexistingfundswhen
youcan.

Reply

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