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Best Mutual Funds for SIP 2019
SIP or Systematic Investment plan is one of the best ways to invest in Mutual Funds. It is a smart and hassle-free mode of Investing your money in Mutual Fund schemes. Here, you can invest a certain pre-determined amount at a regular interval (monthly/quarterly, etc.). As you can start your SIP investment with just INR 500, it makes the most affordable means of investment. Your money is auto-debited from your bank account and invested into the scheme, which indirectly creates a habit of savings in the long-run. SIP investments are a great way to plan your Financial goals. You need to set a specific goal and estimate the time and amount required to fulfil it. Below are the best mutual funds for SIP based on the investment tenure and risk appetite. Investors can target their investment goals and achieve them on time by investing in these schemes.
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Top Mutual Funds for SIP Investment FY 19 - 20
Best Equity SIP Funds— For Long Term Wealth Creation
Equity Funds are expected to deliver high returns in the long-run, but are risky funds. Investors who can invest for more than 5 years are advised to invest in equity funds. One can also plan their long-term financial goals by investing in these funds.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2018 (%) Franklin Asian Equity Fund Growth ₹21.8174
↓ -0.02 ₹122 500 5.1 0.8 -0.6 7.4 6.3 -13.6 DSP BlackRock US Flexible Equity Fund Growth ₹25.3084
↑ 0.09 ₹233 500 3.5 2.2 -1.3 12.4 10.2 -1.1 Mirae Asset India Equity Fund Growth ₹48.133
↑ 0.31 ₹13,492 1,000 -5.5 1.7 -4.4 10 11.3 -0.6 Kotak Equity Opportunities Fund Growth ₹112.27
↑ 0.69 ₹2,467 1,000 -5.9 1.8 -5.5 7.2 10.2 -5.6 Tata India Tax Savings Fund Growth ₹17.0456
↑ 0.09 ₹1,807 500 -6.7 2 -5.6 7.6 -8.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Aug 19
Best Debt SIP Funds— To Earn Optimal Returns
Debt fund are a good way to secure your money and generate average consistent returns. Investors who are looking for stable returns or those who want to invest for less than three years should consider investing in these funds.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2018 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity HDFC Corporate Bond Fund Growth ₹21.8046
↑ 0.01 ₹12,416 500 3.7 6.6 11.1 8.1 6.5 7.48% 3Y 14D 4Y 1M 12D Aditya Birla Sun Life Corporate Bond Fund Growth ₹74.6981
↑ 0.04 ₹15,966 100 3.1 5.7 10.4 8 7 7.57% 1Y 10M 10D 2Y 5M 23D HDFC Banking and PSU Debt Fund Growth ₹15.662
↑ 0.01 ₹3,285 500 3.2 5.8 10.1 7.7 5.9 8% 2Y 1M 26D 2Y 8M 15D ICICI Prudential Long Term Plan Growth ₹24.1861
↑ 0.01 ₹2,791 100 3.6 6.5 10 8 6.2 8.59% 3Y 2M 8D 4Y 6M 11D Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹27.2229
↓ 0.00 ₹19,954 500 2.3 4.7 9.8 8.9 8.7 9.67% 6M 7D 7M 6D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Aug 19
Best Balanced Funds— Earn Stable Returns + Create Long Term Wealth
Balanced Fund invest their money both in equity and debt funds. These are less volatile than pure equity Mutual Funds. Balanced funds deliver superior returns over a period of more than three years. Investors who want to invest in equity funds, balanced funds are a great way to start off with.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2018 (%) Edelweiss Arbitrage Fund Growth ₹14.099
↓ -0.01 ₹3,757 500 1.8 3.4 6.6 6.2 6.8 6.1 ICICI Prudential MIP 25 Growth ₹43.1189
↑ 0.06 ₹1,642 100 0.6 3.9 6 8 9.6 5.1 SBI Debt Hybrid Fund Growth ₹39.5452
↑ 0.03 ₹1,140 500 0.1 3.3 3.8 4.8 7.9 -0.2 Aditya Birla Sun Life Regular Savings Fund Growth ₹38.9842
↑ 0.01 ₹2,060 500 -0.3 3 -0.7 5 8.9 -2.2 Aditya Birla Sun Life Equity Hybrid 95 Fund Growth ₹707.67
↑ 1.41 ₹11,790 100 -5.2 -0.9 -8.7 3.8 8.1 -5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Aug 19
"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." DSP BlackRock World Gold Fund is a Equity - Global fund was launched on 14 Sep 07. It is a fund with High risk and has given a Below is the key information for DSP BlackRock World Gold Fund Returns up to 1 year are on The primary investment objective of the Scheme is to provide long term capital
appreciation by investing predominantly in units of Falcon Gold Equity Fund. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes. The Scheme may also invest a certain portion of its corpus in debt and money market securities and/or units of debt/liquid schemes of Mutual Funds, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized. Kotak World Gold Fund is a Equity - Global fund was launched on 6 Jun 08. It is a fund with High risk and has given a Below is the key information for Kotak World Gold Fund Returns up to 1 year are on (Erstwhile IDFC Government Securities Fund - Short Term Plan) IDFC – GSF -ST is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing Government Securities.
However there is no assurance that the investment objective of the scheme will be realized. IDFC Government Securities Fund - Constant Maturity Plan is a Debt - 10 Yr Govt Bond fund was launched on 9 Mar 02. It is a fund with Moderate risk and has given a Below is the key information for IDFC Government Securities Fund - Constant Maturity Plan Returns up to 1 year are on The Scheme aims to provide reasonable returns by investing in portfolio of Government Securities with average maturity of around 10 years. However, there can be no assurance that the investment objective of the
Scheme will be realized. ICICI Prudential Constant Maturity Gilt Fund is a Debt - 10 Yr Govt Bond fund was launched on 12 Sep 14. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Constant Maturity Gilt Fund Returns up to 1 year are on IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. IDFC Government Securities Fund - Investment Plan is a Debt - Government Bond fund was launched on 3 Dec 08. It is a fund with Moderate risk and has given a Below is the key information for IDFC Government Securities Fund - Investment Plan Returns up to 1 year are on 1. DSP BlackRock World Gold Fund
CAGR/Annualized return of 3.2% since its launch. Ranked 11 in Global category. Return for 2018 was -10.7% , 2017 was -4% and 2016 was 52.7% . DSP BlackRock World Gold Fund
Growth Launch Date 14 Sep 07 NAV (22 Aug 19) ₹14.6009 ↑ 0.02 (0.13 %) Net Assets (Cr) ₹268 on 31 Jul 19 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.83 Sharpe Ratio 0.76 Information Ratio -0.46 Alpha Ratio -4.38 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 14 ₹10,000 31 Jul 15 ₹6,502 31 Jul 16 ₹13,245 31 Jul 17 ₹9,730 31 Jul 18 ₹8,934 31 Jul 19 ₹10,944 Returns for DSP BlackRock World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 19 Duration Returns 1 Month 4.2% 3 Month 35.2% 6 Month 19% 1 Year 45.8% 3 Year -3.5% 5 Year 3.5% 10 Year 15 Year Since launch 3.2% Historical performance (Yearly) on absolute basis
Year Returns 2018 -10.7% 2017 -4% 2016 52.7% 2015 -18.5% 2014 -3% 2013 -41.5% 2012 -5.8% 2011 -2.6% 2010 29% 2009 41.5% Fund Manager information for DSP BlackRock World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 6.25 Yr. Data below for DSP BlackRock World Gold Fund as on 31 Jul 19
Equity Sector Allocation
Sector Value Basic Materials 92.97% Industrials 0.49% Asset Allocation
Asset Class Value Cash 5.64% Equity 94.24% Debt 0.13% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -95% ₹256 Cr 1,043,846 Treps / Reverse Repo Investments / Corporate Debt Repo
CBLO/Reverse Repo | -13% ₹36 Cr Net Receivables/Payables
Net Current Assets | -9% -₹23 Cr 2. Kotak World Gold Fund
CAGR/Annualized return of 0.4% since its launch. Ranked 15 in Global category. Return for 2018 was -12.8% , 2017 was -0.6% and 2016 was 44.2% . Kotak World Gold Fund
Growth Launch Date 6 Jun 08 NAV (22 Aug 19) ₹10.445 ↓ -0.05 (-0.47 %) Net Assets (Cr) ₹39 on 31 Jul 19 Category Equity - Global AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.45 Information Ratio -0.82 Alpha Ratio -12.67 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 14 ₹10,000 31 Jul 15 ₹5,690 31 Jul 16 ₹11,682 31 Jul 17 ₹8,296 31 Jul 18 ₹7,759 31 Jul 19 ₹8,780 Returns for Kotak World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 19 Duration Returns 1 Month 4.5% 3 Month 41.1% 6 Month 21.1% 1 Year 36.6% 3 Year -5.8% 5 Year -0.9% 10 Year 15 Year Since launch 0.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 -12.8% 2017 -0.6% 2016 44.2% 2015 -24.3% 2014 -1.4% 2013 -41.3% 2012 -6.2% 2011 -4.1% 2010 32.7% 2009 51.2% Fund Manager information for Kotak World Gold Fund
Name Since Tenure Deepak Gupta 31 Jan 15 4 Yr. Data below for Kotak World Gold Fund as on 31 Jul 19
Equity Sector Allocation
Sector Value Basic Materials 93.37% Asset Allocation
Asset Class Value Cash 4.1% Equity 93.37% Other 2.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity Investec GSF Glb Gold I Acc USD
Investment Fund | -96% ₹37 Cr 298,549 Triparty Repo
CBLO/Reverse Repo | -5% ₹2 Cr Net Current Assets/(Liabilities)
Net Current Assets | -1% -₹1 Cr 3. IDFC Government Securities Fund - Constant Maturity Plan
CAGR/Annualized return of 6.7% since its launch. Ranked 2 in 10 Yr Govt Bond category. Return for 2018 was 11.8% , 2017 was 6.2% and 2016 was 10.1% . IDFC Government Securities Fund - Constant Maturity Plan
Growth Launch Date 9 Mar 02 NAV (23 Aug 19) ₹31.1387 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹104 on 31 Jul 19 Category Debt - 10 Yr Govt Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.45 Sharpe Ratio 3.18 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.82% Effective Maturity 9 Years 10 Months 13 Days Modified Duration 6 Years 10 Months 20 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 14 ₹10,000 31 Jul 15 ₹11,035 31 Jul 16 ₹12,163 31 Jul 17 ₹13,293 31 Jul 18 ₹13,885 31 Jul 19 ₹16,781 Returns for IDFC Government Securities Fund - Constant Maturity Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 19 Duration Returns 1 Month 0.5% 3 Month 7.1% 6 Month 12.2% 1 Year 20.9% 3 Year 11.2% 5 Year 10.8% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2018 11.8% 2017 6.2% 2016 10.1% 2015 9% 2014 12.6% 2013 10.6% 2012 8.6% 2011 1.9% 2010 3.5% 2009 2.3% Fund Manager information for IDFC Government Securities Fund - Constant Maturity Plan
Name Since Tenure Harshal Joshi 15 May 17 2.05 Yr. Data below for IDFC Government Securities Fund - Constant Maturity Plan as on 31 Jul 19
Asset Allocation
Asset Class Value Cash 5.32% Debt 94.68% Debt Sector Allocation
Sector Value Government 94.68% Cash Equivalent 5.32% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2029
Sovereign Bonds | -58% ₹60 Cr 6,000,000
↑ 6,000,000 7.59% Govt Stock 2029
Sovereign Bonds | -25% ₹26 Cr 2,500,000
↓ -500,000 7.61% Govt Stock 2030
Sovereign Bonds | -10% ₹11 Cr 1,000,000 Net Current Assets
Net Current Assets | -4% ₹4 Cr Triparty Repo
CBLO/Reverse Repo | -1% ₹1 Cr 08.08 GJ SDL 2028
Sovereign Bonds | -1% ₹1 Cr 96,700 Cash Margin - Ccil
Net Current Assets | -0% ₹0 Cr 4. ICICI Prudential Constant Maturity Gilt Fund
CAGR/Annualized return of 10.7% since its launch. Ranked 6 in 10 Yr Govt Bond category. Return for 2018 was 9.7% , 2017 was 2.4% and 2016 was 16.2% . ICICI Prudential Constant Maturity Gilt Fund
Growth Launch Date 12 Sep 14 NAV (23 Aug 19) ₹16.5398 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹81 on 31 Jul 19 Category Debt - 10 Yr Govt Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.33 Sharpe Ratio 2.78 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-7 Days (0.25%),7 Days and above(NIL) Yield to Maturity 6.62% Effective Maturity 9 Years 8 Months 26 Days Modified Duration 6 Years 11 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 15 ₹11,008 31 Jul 16 ₹12,463 31 Jul 17 ₹13,686 31 Jul 18 ₹13,934 31 Jul 19 ₹16,467 Returns for ICICI Prudential Constant Maturity Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 19 Duration Returns 1 Month 0.4% 3 Month 7% 6 Month 11.1% 1 Year 18.1% 3 Year 9.4% 5 Year 10 Year 15 Year Since launch 10.7% Historical performance (Yearly) on absolute basis
Year Returns 2018 9.7% 2017 2.4% 2016 16.2% 2015 6.9% 2014 2013 2012 2011 2010 2009 Fund Manager information for ICICI Prudential Constant Maturity Gilt Fund
Name Since Tenure Rahul Goswami 12 Sep 14 4.55 Yr. Data below for ICICI Prudential Constant Maturity Gilt Fund as on 31 Jul 19
Asset Allocation
Asset Class Value Cash 1.89% Debt 98.11% Debt Sector Allocation
Sector Value Government 98.11% Cash Equivalent 1.89% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2029
Sovereign Bonds | -47% ₹38 Cr 3,550,000
↓ -2,300,000 6.79% Govt Stock 2029
Sovereign Bonds | -44% ₹35 Cr 3,500,000
↑ 3,500,000 7.61% Govt Stock 2030
Sovereign Bonds | -4% ₹3 Cr 300,000
↑ 300,000 Treps
CBLO/Reverse Repo | -4% ₹3 Cr 7.59% Govt Stock 2029
Sovereign Bonds | -3% ₹2 Cr 200,000
↑ 200,000 Net Current Assets
Net Current Assets | -2% -₹1 Cr 6.79% Govt Stock 2027
Sovereign Bonds | -1% ₹1 Cr 100,000
↑ 100,000 5. IDFC Government Securities Fund - Investment Plan
CAGR/Annualized return of 8.5% since its launch. Ranked 14 in Government Bond category. Return for 2018 was 7.8% , 2017 was 3.1% and 2016 was 13.9% . IDFC Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (23 Aug 19) ₹24.0449 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹396 on 31 Jul 19 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.37 Sharpe Ratio 2.85 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.78% Effective Maturity 9 Years 3 Months Modified Duration 6 Years 7 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 14 ₹10,000 31 Jul 15 ₹11,311 31 Jul 16 ₹12,495 31 Jul 17 ₹13,954 31 Jul 18 ₹13,866 31 Jul 19 ₹16,280 Returns for IDFC Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 19 Duration Returns 1 Month 0.6% 3 Month 6.2% 6 Month 10.9% 1 Year 17.2% 3 Year 9% 5 Year 10.2% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2018 7.8% 2017 3.1% 2016 13.9% 2015 6% 2014 16.5% 2013 6.3% 2012 13% 2011 9.9% 2010 4% 2009 -8.5% Fund Manager information for IDFC Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 8.63 Yr. Data below for IDFC Government Securities Fund - Investment Plan as on 31 Jul 19
Asset Allocation
Asset Class Value Cash 1.61% Debt 98.39% Debt Sector Allocation
Sector Value Government 98.39% Cash Equivalent 1.61% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2029
Sovereign Bonds | -68% ₹269 Cr 26,800,000
↑ 26,800,000 GOVT STOCK
Sovereign Bonds | -23% ₹90 Cr 8,700,000
↓ -2,700,000 7.59% Govt Stock 2026
Sovereign Bonds | -4% ₹16 Cr 1,500,000
↑ 1,500,000 6.79% Govt Stock 2027
Sovereign Bonds | -4% ₹14 Cr 1,400,000
↑ 1,400,000 Net Current Assets
Net Current Assets | -1% ₹4 Cr Triparty Repo
CBLO/Reverse Repo | -0% ₹2 Cr Cash Margin - Ccil
Net Current Assets | -0% ₹1 Cr 7.17% Govt Stock 2028
Sovereign Bonds | -0% ₹0 Cr 6,300
↓ -10,500,000
Benefits of Investing in SIP
Some of the major advantages of investing in a SIP are as follows:
Rupee Cost Averaging
Most investors are skeptical about the best time to invest in the market. They are worried about the volatile markets. But, rupee cost averaging breaks all the worries. Since you become a regular investor with a SIP, your money fetches more units when the price of shares is low and lesser when the price is high. During the volatile cycle, it may allow you to achieve a lower average cost per unit. Thus, the positives of investing through a SIP becomes quite evident in the times of market fluctuations.
Power of Compounding
SIPs work on Power of Compounding. Investors can put in a small amount of money and can see how the value increase over time. The longer you stay invested, the greater the value of your investment becomes. As, the returns earned at regular intervals are reinvested in the fund, investors get a return on the return. And the same cycle continues for years. To benefit the most out of the power of compounding, investors should start a savings at an early age to make the most out of it.
No Need to Time the Market
With a SIP, investors don’t need to worry about the market timings. SIP helps investors ride the market volatility by averaging out the cost as they invest a fixed sum regularly at various levels.
Easy Way to Achieve Financial Goals
As you become a regular investor via a SIP, you can easily plan your financial goals. For example, if your short-term goal is buying a car in 2 years, then you can invest in debt funds, and if you have set Retirement planning as your long-term goal then, you should invest in equity funds via a SIP. SIPs also create a regular habit of savings over the long-run. Investors who want to avail all the benefits in their investments should take a SIP route in Mutual Funds.
SIP Return Calculator or Mutual Fund Calculator
A sip calculator is the smartest tool to use while investing in Mutual Funds. It helps to determine the expected returns on your SIP investment. You can calculate the amount required for your investment and time period that you need to stay invested to reach the particular financial goal.
When using a SIP calculator, one has to fill certain variables, that includes-
- Investment amount
- The desired investment duration
- Expected Inflation rate (annual) for the years to come
- Long-term growth rate on investments
Once you feed all the above-mentioned information, the calculator will estimate the amount that you will receive after your investment tenure, along with the net profit that you will earn.
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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