PARAG PARIKH LONG TERM VALUE FUND : POSITIVE

Greetings Sir, I am a follower of your tips and  I wanted  to invest in Parag Parikh Mutual fund , Kindly assist me sir. I am 27 years old and i am planning for my savings ie long term 10 years span. 

Ask by muffi 

1.Mr. Parag Parikh is setup a mutual fund scheme in Oct-10-2012 and within 2 year PPFAS Long Term Value Fund - Direct Plan (G) get AUM of 478.90 cr. This is great. 2.Actually Parag Parikh is a value investor and many of small investors already impressed with theory of Parag Parikh so when he launch a mutual fund scheme then investor happy to invest with his fund. 

3. PARAG PARIKH FINANCIAL ADVISORY SERVICES LIMITED launch only single scheme so this is an easy confusion less mutual fund scheme for small but long term investors. 

4. Parag Parikh Mutual fund performance would be benchmarked against the CNX 500. 

5. Currently, PARAG PARIKH FINANCIAL ADVISORY SERVICES LIMITED offers only the Growth Option in a single scheme name "PPFAS Long Term Value Fund - Direct Plan (G)" 

6. NAV of PPFAS Long Term Value Fund - Direct Plan (G) is 14.577 and scheme give 42.3% return in one year. 

7. ICICI direct still not provide investment option in parag parikh mutual fund scheme. 

8. Overall my view is positive for PPFAS Long Term Value Fund - Direct Plan (G)

9. I have no any unit of Parag Parikh Long Term Value Fund.

Top 3 ELSS Mutual Funds In India

These days I receive many e mails from my followers about best ELSS in India.
In our Union budget 2014 Tax Rebate on 80 G is Raise from 1 lak to 1.5 lak per year so this is best time to invest 40,000 to 60,000 Annually in ELSS for tax rebate or long term equity benefits.
So in this article I tell you top 3 ELSS funds in India.

In my theory make a 1000-1000 rupees per month SIP in each of these ELSS for a wide divercified ELSS portfolio.
If You Follow my method of ELSS investing then:-

• Your investment is diversified in  3 largest Indian ELSS , because If you read my book then you may knew that I always recommended mutual fund  scheme with largest corpus size.
• All of my mutual fund holdings are in Dividend fund because In ELSS there are a 3 year lock in period for units but you may enjoy dividends from first year.
• So when you invest in all of these 3 top equity linked saving schemes in India and each fund declare dividend once a year then you may enjoy 3 dividends per year in your lock in period.

So here are the list of top 3 ELSS funds 2014-2015
1.SBI Magnum Tax Gain Scheme (D):- This is my all time favorite ELSS, Because this fund is still largest corpus size in ELSS group and wide dividend paying history since last 10 year this fund pay 2.70 to 15 rupee per unit dividend (per year) So I will make a INR 1000  per month SIP in this fund for tax gain and tax free dividends+long term capital gain. 
2.HDFC Tax Saver (D):-This fund is second largest corpus size in ELSS group and wide dividend paying history since last 18 year this fund pay 2.00 to 8 rupee per unit dividend (per year) So I will make a INR1000 to 2000 per month SIP in this fund for tax gain and tax free dividends+long term capital gain. 
3.ICICI Prudential Tax Plan (D):- Third largest AUM and since last 11 year pay 1.2 Rupee to 5 rupee dividend per unit per year.
Choose dividend reinvestment instead of dividend payout for reason read this article:-
Which is best in dividend payout and dividend reinvestment?

Real Estate Investment Trusts (REITs) In India

What is REIT ( Define REIT)

REIT means Real Estate Investment Trusts, these trust works like a company which invest directly in land, house property, commercial property and other real estate.

The REIT was designed to provide a real estate investment fund just like a mutual funds. 

How REIT Work:-REIT is  like a mutual fund which invest in property and REIT unit holder get benefits like a partner of landholder

Difference in Mutual funds and REIT 

REIT funds provide direct investment in property Mutual funds provide for investment in stocks. 

Benefits of REIT funds. 

REITs are just like of mutual funds they collect money from investors and invest this money in property. If anyone want to invest in property then he/she require a higher amount but he/she can enjoy same benefits by buying REIT units in just INR 10 only. 

(REITs) In India. 

In union budget of 2014 Indian Government decided to start REIT in India.

This will attract foreign investment in Indian real estate sector and give a chance to every middle class Indian family to invest in property field.  This is the reason that why I am so bullish on realty sector stocks read my sharegenius blog or fundamental Indian stocks website for more details

The Securities and Exchange Board of India (SEBI) approved the setting up of real estate investment trusts (REITs), 

Indian REITs will be allowed to invest only in commercial properties.

SEBI  also approved allowing infrastructure investment trusts IIT (infrastructure investment trusts) is a REIT-like structure that would allow developers to monetize their infrastructure assets through  stock exchange listing. 

Top REITs in India:- Real Estate Investment Trusts not start in India yet they only get SEBI approval and may start in November 2014 to January 2015

Reliance Diversified Power Sector Fund - Retail Plan (D)

Best SIP for 2014-15 in long term view
1. Reliance Diversified Power Sector Fund has largest AUM in his peer infra and power sector funds, and if you read my book then you knew benefits of largest AUM fund. 
2.Top 5 holdings of Reliance Diversified Power Sector Fund - Retail Plan (D) are

Equity	Sector	Value (Rs cr)
KEC Intl	Engineering & Capital Goods	100.33
Larsen	Engineering & Capital Goods	98.91
PTC India	Services	95.68
ICICI Bank	Banking & Financial Services	79.53
Cummins	Engineering & Capital Goods	76.71
Tata Power	Utilities	72.67
Crompton Greave	Engineering & Capital Goods	70.85
Thermax	Engineering & Capital Goods	70.45
Reliance Power	Utilities	70.25
Sesa Sterlite	Metals & Mining	66.61

3. This fund have a good dividend history, here are the past dividend history of Reliance Diversified Power Sector Fund

Record Date	Dividend (Rs/unit)
21-Mar-14	2
22-Mar-13	3
18-Mar-11	1.5
30-Mar-10	2.5
26-Mar-09	2
28-Mar-08	1.5
17-Aug-07	3
21-Feb-07	2.5
29-Dec-05	4

4. As I told in point 1 that Reliance Diversified Power Sector Fund manage 2018.62 Cr. 
5. Currant NAV of Reliance Diversified Power Sector Fund is 35.424 
6. If you want to download past NAV history of Reliance Diversified Power Sector Fund then visit this link for more details 
How To Download Past NAV History of Any Mutual Fund

Smart Systematic Investment Approach In Mutual Funds

1. Stock market is traded on his all time highs and at this time new investor fear to make a new SIP in mutual fund.

2. Many of my friends & co-workers  ask me that " It is safe to make a new SIP in this time? As I always recommended that you must continue make fresh investments in smart stocks or mutual funds in any market condition ( In my book I already describe that how to choose a smart stock for long term or Indian investor may get help from my website www.maheshkaushik.com ).

3. So in this line I also recommended to make a Smart SIP in any market situation So today I tell my blog readers that how to make a Smart SIP in mutual funds.( Read this article carefully it may change your financial life in long term)

4. For this purpose I Choose " HDFC TOP 200 (G) " as an Example fund to explain you my formula of smart SIP.

5. Suppose you we want to invest 5000 per month in this fund.

6. Ok first month invest whole 5000 in currant NAV .

7. Next month see value of your holding suppose market is up and your portfolio value is 5463 in next month so you are in profit of 463

8. Calculate your profits in percentage term, It is 9.26 %

9. Reduce new month investment amount as per this percentage , so in second month your investment amount is 5000-463 (9.26% of 5000)=4537

10. Next month again see your profit /loss percentage, If you are in loss then increase your investment amount 5000 to 5000+ (net loss percentage of 5000). suppose your portfolio is in 3.5% loss then your fresh investment amount is 5000+ 3.5% of 5000= 5000+175=5175 and If you are in profit then decrease your fresh investment amount 5000 to 5000- (net profit percentage of 5000). suppose your portfolio is in 4.5% profit then your fresh investment amount is 5000- 4.5% of 5000= 5000-225=4775

11. This formula is automatic reduce your SIP amount when market is up and automatic increase your SIP amount when market is down.

12. So this Smart SIP is beaten down any classical SIP where SIP amount is always constant in any market condition.

13. OK at last i tell you reply of one interesting question , when I tell this formula in one investor meeting then a investor ask me what happen if we are in 100 % profit? Will we close this smart SIP after 100 % profit? because as per this formula after 100% profit fresh investment amount is 0.

In reply of this question I tell " please do not forget our formula of profit booking in a mutual fund SIP, Run both formula on your investments and Partially book profits in your SIP when your profit is up to 11 %". 

If you not read my book or my earlier article about mutual fund profit booking then read it here

http://mutualfundgenius.blogspot.in/2010/08/sharegenius-formula-of-book-profit-in.html