SBI small cap fund

18.75% returns (past 5Y) in SBI Small Cap Fund. Invest Now!

SBI Small Cap Fund – Direct Plan

★★★★★ (Morningstar Rating)

Ranked #1 in Small-Cap category by last 5Y returns

Return Capacity: High
Risk level: Moderately High
Category: Open-ended and Equity: Small Cap
Last 5 yr returns: 18.75% (as of August 22, 2019)
Minimum SIP Amount: Rs. 500

To boost total returns of your financial portfolios, our Registered Investment Advisor recommends you to take some risk by allocating at least 5-10% of the total portfolio in small-cap funds. SBI Bluechip Fund (rated 5 stars both from Morningstar & Value Research) is the perfect choice for the same.

  • Even though markets are down in past months (causing this fund’s benchmark, S&P BSE Small-Cap, to give 5.83% 5Y returns), SBI Small Cap Fund has yielded excellent CAGR of 18.75% (past 5Y), which is 12.92% more than the returns of its benchmark.
  • To reduce the risk that comes with equity exposure, the fund is well-diversified between small-/mid-/large-cap stocks (out of it’s 88.16% investment in Indian stocks, 3.09%/14.55%/67.67% is in large-/mid-/small-cap stocks respectively.
  • Fund manager’s insistence on diligence and long enough time perspectives have helped the fund in delivering consistently high returns with this fund when compared with other funds in the small-cap category.
top funds

पिछले 5 सालों मे 18% से ज़्यादा रिटर्न देने वाले 2019 के टॉप 3 म्युचुअल फंड

“रिटर्न कितना मिलेगा?”

क्या आप भी अपने फाइनेंसियल एडवाइजर या बैंक मैनेजर से यही सवाल पूछते हैं, जब भी वह कोई नया इन्वेस्टमेंट प्लान लेके आपके पास आता हैं ? क्या आप सर्वाधिक रिटर्न देने वाले म्यूच्यूअल फंड्स नहीं पता होने की वज़ह से अपने म्यूच्यूअल फंड के निवेश को टाल रहे हैं? यदि हाँ, तो आप सही जगह पर आ गए हैं |

मायवे वेल्थ की अनुसंधान प्रणाली (जो की उन्नत वित्तीय मॉडल्स और बाजार के पुराने आंकड़ों का उपयोग करके बनी हैं ) के अनुसार 2019 के टॉप 3 म्यूच्यूअल फंड्स (पिछले 1-5 साल के रिटर्न्स के हिसाब से) इस प्रकार हैं :

फण्ड का नामरिटर्न्स और किन निवेशकों के लिए उपयुक्त
एसबीआई स्मॉल कैप फंड (ग्रोथ/डायरेक्ट)

SBI Small Cap Fund

★★★★★
+20.32% (पिछले 5 साल का औसत सालाना रिटर्न)

स्मॉल कैप फंड, ज़्यादा रिस्क लेने की क्षमता रखने वाले निवेशकों के लिए उपयुक्त

निवेश की उचित अवधि: कम से कम 5 वर्ष
मिरै असेट इमर्जिंग ब्लू चिप फण्ड (ग्रोथ/डायरेक्ट)

Mirae Asset Emerging Bluechip Fund

★★★★★
+19.13% (पिछले 5 साल का औसत सालाना रिटर्न)

मध्यम रिस्क लेने के इक्छुक निवेशकों के लिऐ मल्टी कैप फण्ड

निवेश की उचित अवधि: कम से कम 3-5 वर्ष
आईडीएफसी गवर्नमेंट सिक्युरिटीज - कांस्टेंट मेचुरीटी फण्ड (ग्रोथ/डायरेक्ट)

IDFC Government Securities Fund-Constant Maturity

★★★★★
+20.71% (पिछले 1 साल का औसत सालाना रिटर्न)

कम रिस्क लेने के इक्छुक निवेशकों के लिए गिल्ट (डेब्ट) फंड

निवेश की उचित अवधि: कम से कम 1-3 वर्ष

क्या आपने ध्यान दिया की यह तीनो फंड्स पिछले 1-5 सालों मे फिक्स्ड डिपाजिट (एफ डी) से दोगुना से भी ज़्यादा रिटर्न्स दे चुके हैं?
दूसरे शब्दों मे, यदि आपने 5 साल पहले इन 3 फंड्स में से किसी एक फण्ड में महज 5000 रुपये की एसआईपी (SIP) चालू करी होती, तो सिर्फ 3 लाख रुपये की जमा राशि के बदले आपको 4.88 लाख रुपये का रिटर्न मिलता (18% के औसत सालाना रिटर्न के हिसाब से), मतलब आपको पूरे 1.88 लाख रुपयों का फ़ायदा होता |

19.10% returns (past 5Y) in Mirae Emerging Bluechip Fund. Invest Now!

Mirae Asset Emerging Bluechip Fund- Direct Plan

★★★★★
Morning Star Rating as on July 31, 2019

Category: Open-ended and Equity: Large & MidCap
Risk level: Moderately High
Return Capacity: High
Last 5 yr return: +19.10% (as of August 19, 2019)
Fund Manager: Neelesh Surana (since Jan’13) and Ankit Jain (since Jan’19)

  • Mirae Asset Emerging Bluechip Fund has yielded 19.10% CAGR (past 5Y), which is 8.68% more than the return of its benchmark Nifty Midcap 100 index in the same 5Y duration (at 10.42%).
  • It maintains a diversified portfolio by investing 52.34% is in large-cap stocks, 34.51% in mid-cap stocks, and 12.79% in small-cap stocks.
  • Suitable for investors with moderately high-risk appetite (due to mid/small-cap exposure of this fund).
  • Recommended investment tenure: Minimum 5 years.
  • According to the fund manager Neelesh Surana, disciplined approach, focus on quality along with diversification has helped them in maintaining standards with this fund.

 

top funds

Wondering where to invest? Top 3 funds in 2019 with >18% past returns

“Return Kitna Milega?”

How much returns will I get? Is this the first question that you ask your relationship manager at a bank or your financial advisor? Are you postponing your mutual fund investments due to lack of a ready-made list of highest return yielding funds? If so, you have arrived at the right place.

MyWay Wealth’s research methodology is powered by proprietary scientific-financial models & historical market data while ensuring an excellent track record not just in past 3-5 years but also in both bull & bear markets. These are the top 3 mutual funds (for three different risk appetites: high, medium, low) based on past performance, that yield more than 18% returns:

Fund name & ReturnsIdeal audience
SBI Small Cap Fund (Gr/Dir)
★★★★★

+20.32% (Past 5Y Returns)
Small-cap fund for investors who expect more returns at a higher risk.

Recommended investment duration: minimum 5 years.
Mirae Asset Emerging Bluechip Fund (Gr/Dir)
★★★★★

+19.13% (Past 5Y Returns)
Multi-cap fund (invests in small+mid+large cap companies) for investors with moderate risk appetite.

Recommended investment duration: minimum 3-5 years.
IDFC Government Securities Fund-Constant Maturity (Gr/Dir)
★★★★★

+20.71% (Past 1Y Returns)
Gilt (debt) fund for investors with low risk appetite.

Recommended investment duration: minimum 1 year.

As an example, if you started a SIP of just Rs. 5000 in any of these 3 recommended funds 5 years ago, then today your corpus would be worth Rs. 4.88 lakhs (for a total SIP deposit of just Rs. 3 lakhs). That’s Rs. 1.88 lakhs in returns in 5 years!

loan default

What happens when a borrower fails to repay a loan?

There are critically two significant consequences of failing to repay your debt.
The first one is that your credit score will take a beat. All credit-related information of the owner and credit card user is sent to CIBIL and other credit rating agencies. They would know your credit history from head to toe. We all know that every loan nowadays is been approved based on the credit history of the borrower. While if you are defaulting your payments, your credit score will take a hit. And this will make it difficult for you in the future if you would want to apply for a loan again.

Second, the lender can auction the property which was used as collateral for the loan after following the due legal process.
The bank will send first notice to the borrower mentioning the due amount with interest. If the bank realizes that the customer is willingly delaying the repayment, then it could lead to legal proceedings. The follow up from the bank will start soon as a single repayment is missed. The legal procedures will not emerge when the customer is willing to repay the amount after a break. (Sometimes there are situations like death, illness, or accidents that can cause a break in the repayment of the loan amount. So, in this case, banks will give holidays to the customer or his family. Also, as per the guidelines of the Reserve Bank of India, banks should provide time to the customers to pay the loan amount. And should not use their muscle power to recover the loan amount.)

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unsecured loan

Remember these points before you apply for an unsecured loan

A number of people have taken loans to finance the major events of our lives. One must have Several people take loans to finance the significant events of their lives. One must have taken a loan for buying a car/ house/daughter’s marriage or paying for a medical emergency. We all know this thing that taking a loan helps us to circumvent our lack of large sums of liquid cash. Sometimes there are circumstances when we are not able to repay our loan EMI on time. The inability to repay a loan can lead to the unaccepted relationship between the borrower and the lender. Such a situation needs active management.
Don’t miss out on these reminders when you apply for a loan.

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Raksha-Bandhan

Celebrate this Raksha-Bandhan with Digital Gold

insurance

Individual Health Insurance

In India, the cost of treatment is growing in double digits, and more than 80% of the population do not have access to health insurance. Out of pocket health expenditure is higher in India. The burden of the high cost of health is pitched towards the poor.
There are plenty of reasons why health insurance is not just a good idea but also necessary. Many people face a financial crisis when they have to fund for medical treatment and medical costs. So people dive into their savings and drain it. In such situations, a health insurance plan could be a real “life-saver” because it covers your hospitalization expenses.

Let’s talk on Individual Health Insurance:

Costly treatments and unseen medical emergencies made individuals to understand the need of having health insurance. Individual health insurance covers both pre and post hospitalization expenses, including ambulance charges and diagnostic test charges.
Daily cash plans are also covered under individual health insurance but are subjected to specific terms and conditions. Even pre-existing diseases except for injuries due to accidents are treated only after the completion of a defined waiting period.

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Direct vs Regular

Earn upto 1.5% more returns with Direct Plans, find out how!

Do you search for online restaurants that offer home delivery at zero charges? Even Direct Plans of Mutual Funds charge 0% commissions.

Every mutual fund has 2 variants: Direct and Regular Plans:

  • In Regular Plans, mutual fund intermediaries charge 0.5-1.5% as commissions or distribution fee.
  • On the other hand, Direct Plans eliminates the brokers/intermediaries and thus charge zero commissions. Instead, this is reflected back in your portfolio in the form of 0.5-1.5% additional returns.

Let’s have a look at the returns from a one-time lump sum investment of Rs. 2 lakhs in Direct and Regular plans for 20 years:

Direct vs Regular example

Assuming a Regular plan of a specific mutual fund with ~15% returns, we will get upto 9.6 lakhs extra returns in the Direct Plans of the same fund (thanks to additional 0.5-1.5% returns combined with compounding effects in the long-term).

Start your investment journey with “Build Wealth”:

“Build Wealth” feature on MyWay Wealth is powered by proprietary Smart Recommendation Engine (backed by robust research methodology, scientific-financial models & historical market data). This engine recommends funds specifically for your personal financial goals and risk appetite while ensuring that the recommended funds have an excellent track record (for past 3-5 years as well as in both bull & bear markets).

Check out the funds recommended by Smart Recommendation Engine:

consumer durable loans

Why should you take a consumer durable loan?

Timely return of a loan makes it easier to borrow a second time.

Consumer durables have instilled a sense of convenience in life. From refrigerators to high-end mobiles, we are always on the hunt to upgrade our life as per our convenience. The consumer durable loan allows the users to buy refrigerators, washing machines, TVs, high-end mobiles, and other durables at affordable EMI.

What is a consumer durable loan?

It is a financing scheme offered by financial institutions to help the customers pay for the purchase of consumer durable items.

One should consider the following things before opting for consumer durable loan:

1. Hidden cost
There are a few 0% interest rate options available in the market for the loan. But these schemes have hidden costs like processing fees that get deducted from the loan amount that you receive. Once you opt for a consumer durable loan, make sure you check for hidden costs.

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