Lack of diversification CREATE WEALTH CREATE YOUR FUTURE … · 2017. 9. 10. · with it. You have to pay commissions in stock trading, real estate investment exit loads for mutual

loss making product at a lower price now. This strategy has offered historic trading losses especially in the short term. Investors need to accept the fact that a wrong stock has entered and it has to be removed to protect the health of his portfolio. It is better to go by the advice of a financial advisor, and rely on the mutual fund managers because they are experienced enough to handle such things.

Lose focus easily

We tend to purchase and sell at very short intervals based on others' recommendations. One friend who is an active trader suggested, stock A is the best, so we will also invest in A, another friend who is a researcher suggested stock B will outperform all others, so we will sell A and buy B. Lack of conviction in a particular product would lead you nowhere, you would not be able to ripe the benefits of either.

Market timing

Even the big shots have not been able to time the market, nobody can predict what will happen next. Some investors on the basis of their research try to time the market and it does nothing but damage.

Investors should rely on professionals, they shall resort to mutual funds, concentrate on their goals and should not panic due to a here and there in the market conditions.

Ignoring the cost

Every investment has a cost associated with it. You have to pay commissions in stock trading, real estate investment exit loads for mutual funds. Investors generally analyse their profits on gross basis and compare products likewise. However, commissions form a part of the cost and at times can bring down the profits significantly. So, you should consider the impact of costs while evaluating a particular investment.

Lack of diversification

Some investors do not have a proper financial plan or even if they have, they often go off track. They tend to purchase a particular product or invest in a particular segment only. This inclination results in lack of a diversified portfolio and if that particular segment or stock fares poorly, his entire portfolio fails, because there is nothing else which can cover up.

Procrastination

Procrastination is the mother of failure. The markets move very fast and we take time in researching and by the time we go ahead with implementing our research, the markets have moved to a different level, however our strategy is the same. And thus we lose out because of improper time management.

All these mistakes are mainly due to lack of planning and knowledge. The investor should resort to the services of a financial advisor, devise a proper financial plan and invest accordingly. He should go for professionally managed mutual funds than burning his hands by experimenting on his own. SEPTEMBER 2016For private circulation only

Money making is the only goal

This is the primary mistake of an investor. He believes that he is investing and he will profit from it soon. If someone asks him, what's the purpose behind him investing? What future goal will he be able to meet with the investment? He most likely will not have an answer. And when need arises, he would either not have the money, since it's illiquid or it is not sufficient to fulfill the need. The solution to this is make it a point that you will plan before you perform. Plan and allocate your investment into different goal paths.

TV

We believe that the TV journalist or the author of a magazine article on investments is the God of investments, whatever he says is set in stone. What we do not realize is, if he actually knew what's going to happen next and where to invest, he would have been the next Bill Gates. He would not have been giving free advice. The solution is switch to a movie channel and relax.

EmotionsEmotions play a very important role in our investment practice. You would somehow have a very strong conviction in a particular stock. You would fall in love with that stock because you have read so much about it, you like the brand, or at times the investment manager is from your hometown and you know he is very knowledgeable. However, these investments are not a good deal and not performing. But because of your emotional connect, you believe that a day will come when they will perform and you will gain and the day might never come. So, keep your emotions separate from your investments, the latter should not be influenced by the former, rather should be based on thorough research and performance records.

No time horizonNot having a time horizon in mind, or having a time frame too short to meet a goal, is a problem. You have to give appropriate time to an investment to get the best out of it. It is better to invest according to the time period left to accomplish a goal.

Speculation

Some investors are often tempted by speculation. Easy and quick money appeals and in order to make money quickly, they become speculators and not investors. They engage in risky transactions like hedging, take short and long positions and attempt to profit from fluctuations in the market, than by capital gains, interests and dividends. They deal in huge amounts, and they can't afford to purchase these stocks. The result is if the price of the purchase transaction is higher than the sale transaction, they are bound to book losses. Most new investors are wiped out because of such speculative activities. So, we should always keep in mind that we are investors and not punters.

Trying to average out

An experienced investor is easily able to get rid of a wrong product that has entered his portfolio, he would book a loss and concentrate on the rest. On the contrary, an unseasoned one would try to average out

the purchase price by buying more of the

TAKE THE ESCAPE,AVOID MISTAKES.Your income meets your needs and looks after your present, and your savings and investments create wealth for you and takes care of your future.

CREATE YOUR FUTURECREATE WEALTH

Welcome to the investment world!

It's great that you are thinking about your future and are ready to take the first step on to the ladder. When we invest, what we see is gains coming through and how our investment will be quadrupled within a short span of time. What we often overlook is the darker side of the mirror. Whenever you try your hands on something new, mistakes are bound to happen and it's okay, since we learn from our mistakes. But when it comes to investments, mistakes are counted in financial terms. And it is always good to avoid the mistakes and save our money.

It is better not to get very high hopes of making quick money and you should be aware of few things. Following are the common money mistakes which not only a newcomer but any investor can commit:

OUR

SERV

ICES

INVE

STM

ENT

OPTI

ONS

MUTUAL FUNDSLIFE INSURANCEGENERAL INSURANCETAX SAVING & RBI BONDS

RETIREMENT PLANNINGCHILD EDUCATION PLANNINGINSURANCE PLANNINGTAX PLANNING

FINANCIAL PLANNINGNRI INVESTMENT PLANNINGCHARITABLE TRUST INVESTMENT PLANNING

Email: [email protected] Website: www.hareepatti.com

Mob.: 98992 88605, 96507 0669969/6A, 2nd Floor, Rama Road, Opp. Kirti NagarMetro Station, New Delhi - 110015.

Gurleen Kaur - CEO

According to the India Wealth Report 2015 by Karvy Private Wealth, in India, the individual wealth in equity mutual funds stood at R 3.16 lakh crores in FY 15 as against fixed deposits, which stood at 32.37 lakh crores and bonds and debentures which stood at 0.89 lakh crores in FY 15.

These figures testify the fact that whenever we want to invest for a long term, fixed deposits are our favourite option.

Why do we invest in FDs?

Better Interest rates: Since fixed deposits offer better rate of returns than saving accounts, we prefer investing in the former.

Safe: We invest in fixed deposits in banks because we believe it is the safest investment option and other avenues carry a greater degree of risk than FDs.

Traditional: We invest in Fixed Deposits because it is tried and tested. Our parents, relatives, friends, practically everyone, invests in Fixed Deposits. 'So

even I must have one' is the logic behind the investment.

Did you know?

There are some interesting facts about fixed deposits which are often overlooked:

TDS is deducted from the maturity value if the total interest from your accounts including the FD account exceeds R10,000. If you are falling under a 20% or a 30% slab, then too the TDS will be deducted @ 10% and you will have to pay the remaining as a self assessment tax.

Most people realize this at the time of filing the returns, which is mostly the last date, since this TDS reflects in your account on the income tax website. You can however submit form 15G/15 H to the bank, but then again it needs to be deposited every year.

Interest rates are falling and are expected to fall further with easing inflation. Currently, the interest rates are in the 7-7.5% range for a five year FD inbanks. If you check the rates 15 years back, this rate is much lower now andthe trend is likely to continue.

STILL INVESTING INFIXED DEPOSITS

√ The month is February, the deadline for submitting investment proofs is approaching. What do I do? √ Some money got accumulated in my savings account, want to park it in a safer avenue. What do I do? √ I have invested enough in equity, now I want to put some money in a safer fixed return option. What do I do? √ I want to invest, but I don't want to take the risk. What do I do?

In all of the above situations, what we do is: Go to a bank and invest in a fixed deposit.

loss making product at a lower price now. This strategy has offered historic trading losses especially in the short term. Investors need to accept the fact that a wrong stock has entered and it has to be removed to protect the health of his portfolio. It is better to go by the advice of a financial advisor, and rely on the mutual fund managers because they are experienced enough to handle such things.

Lose focus easily

We tend to purchase and sell at very short intervals based on others' recommendations. One friend who is an active trader suggested, stock A is the best, so we will also invest in A, another friend who is a researcher suggested stock B will outperform all others, so we will sell A and buy B. Lack of conviction in a particular product would lead you nowhere, you would not be able to ripe the benefits of either.

Market timing

Even the big shots have not been able to time the market, nobody can predict what will happen next. Some investors on the basis of their research try to time the market and it does nothing but damage.

Investors should rely on professionals, they shall resort to mutual funds, concentrate on their goals and should not panic due to a here and there in the market conditions.

Ignoring the cost

Every investment has a cost associated with it. You have to pay commissions in stock trading, real estate investment exit loads for mutual funds. Investors generally analyse their profits on gross basis and compare products likewise. However, commissions form a part of the cost and at times can bring down the profits significantly. So, you should consider the impact of costs while evaluating a particular investment.

Lack of diversification

Some investors do not have a proper financial plan or even if they have, they often go off track. They tend to purchase a particular product or invest in a particular segment only. This inclination results in lack of a diversified portfolio and if that particular segment or stock fares poorly, his entire portfolio fails, because there is nothing else which can cover up.

Procrastination

Procrastination is the mother of failure. The markets move very fast and we take time in researching and by the time we go ahead with implementing our research, the markets have moved to a different level, however our strategy is the same. And thus we lose out because of improper time management.

All these mistakes are mainly due to lack of planning and knowledge. The investor should resort to the services of a financial advisor, devise a proper financial plan and invest accordingly. He should go for professionally managed mutual funds than burning his hands by experimenting on his own.

Money making is the only goal

This is the primary mistake of an investor. He believes that he is investing and he will profit from it soon. If someone asks him, what's the purpose behind him investing? What future goal will he be able to meet with the investment? He most likely will not have an answer. And when need arises, he would either not have the money, since it's illiquid or it is not sufficient to fulfill the need. The solution to this is make it a point that you will plan before you perform. Plan and allocate your investment into different goal paths.

TV

We believe that the TV journalist or the author of a magazine article on investments is the God of investments, whatever he says is set in stone. What we do not realize is, if he actually knew what's going to happen next and where to invest, he would have been the next Bill Gates. He would not have been giving free advice. The solution is switch to a movie channel and relax.

EmotionsEmotions play a very important role in our investment practice. You would somehow have a very strong conviction in a particular stock. You would fall in love with that stock because you have read so much about it, you like the brand, or at times the investment manager is from your hometown and you know he is very knowledgeable. However, these investments are not a good deal and not performing. But because of your emotional connect, you believe that a day will come when they will perform and you will gain and the day might never come. So, keep your emotions separate from your investments, the latter should not be influenced by the former, rather should be based on thorough research and performance records.

No time horizonNot having a time horizon in mind, or having a time frame too short to meet a goal, is a problem. You have to give appropriate time to an investment to get the best out of it. It is better to invest according to the time period left to accomplish a goal.

Speculation

Some investors are often tempted by speculation. Easy and quick money appeals and in order to make money quickly, they become speculators and not investors. They engage in risky transactions like hedging, take short and long positions and attempt to profit from fluctuations in the market, than by capital gains, interests and dividends. They deal in huge amounts, and they can't afford to purchase these stocks. The result is if the price of the purchase transaction is higher than the sale transaction, they are bound to book losses. Most new investors are wiped out because of such speculative activities. So, we should always keep in mind that we are investors and not punters.

Trying to average out

An experienced investor is easily able to get rid of a wrong product that has entered his portfolio, he would book a loss and concentrate on the rest. On the contrary, an unseasoned one would try to average out

the purchase price by buying more of the

Credit Rating

Bonds are analyzed by credit rating

agencies like ICRA, CRISIL, etc., for

their credibility and they give them

credit ratings. The ratings are like AAA,

AAA+, AAA-, AA, BB, BBB, etc. and

each rating represent varied levels of

safety with regard to payments of

interest and principal. The better the

rating, the lesser the risk. So the

investor must always look for bonds

with good ratings.

Tenure

You must also consider the tenure of the

bond, it should be in line with your

investment horizon. Though, there is an

option of secondary market trade, but

there is always an interest rate risk if you

encash it before maturity.

So, if you are heading towards the bank for

investing in a fixed deposit, change your

direction to Bond, which bears all features

of the former with added advantages of

higher income and less complications.

Are there any other options ??

BONDS are another great option to invest your money. Bonds are issued by banks or public sector entities. Bonds are offered for a fixed tenure by the issuer at a fixed rate of interest. You can either buy the bonds at the time of their issue or from Secondary market where they are traded after the issue.

Lets understand in detail the features of a secondary market bonds

TDS FREE INTERESTBONDS

Interest Income: Bonds offer fixed interest rates like FD’s. The interest

rate may differ from issuer to issuer based on tenure & credit rating of

the bond.

Liquidity: Bonds offer an edge over Fixed Deposits in terms of

liquidity. Premature withdrawal of a fixed deposit attract hassles, time

and massive penalties. However, in case of bonds, if you wish to

liquidate your investment, it can easily be traded in the secondary

market.

No Paperwork: You can buy a secondary market bond simply through

your Demat Account. You don't need to submit hard copies of the

application form or your documents. You just have to sign a Deal

Confirmation Sheet and send it online or through whatsapp before

paying for your investment. Unlike FD, you don’t have to safeguard the

FD certificate as all investments in bonds are in Demat.

No TDS on interest payouts: as bonds are listed on the exchange and

issued in Demat mode. You shall pay your taxes due as per your tax

slab on the income generated if you sell the bond within a year, and

you are entitled to the benefits of Long Term Capital Gains if you

redeem after one year. There is no hassle of annual submission of

Form 15G or 15H unlike Bank FDs and you will not be paying a TDS if

you are not liable to pay taxes.

Quick: Payment is via RTGS only and bond will be credited to your

Demat a/c by end of day.

MF NEWS

Axis Equity Fund - Gr Axis Focused 25 Fund - Gr Axis MidCap Fund - Gr Baroda Pioneer Growth Fund - GrBirla Sun Life Advantage Fund Gr Birla Sun Life Dividend Yield Plus - Growth Birla Sun Life Equity Fund - Gr Birla Sun Life Frontline Equity Fund - Gr Birla Sun Life India GenNext Fund - Gr Birla Sun Life India Opportunities Fund - Gr Birla Sun Life Midcap Fund - Gr Birla Sun Life MNC Fund Gr Birla Sun Life Pure Value Fund - Gr Birla Sun Life Small and Midcap Fund - Gr Birla Sun Life Special Situations Fund - Gr Birla Sun Life Top 100 Fund - Gr BNP Paribas Dividend Yield Fund- Gr BNP Paribas Equity Fund - Gr BNP Paribas Midcap Fund - Gr BOI AXA Equity Fund - Regular Plan Gr Canara Robeco Emerging Equities Fund - Gr Canara Robeco Equity Diversified - Gr Canara Robeco F.O.R.C.E. Fund - Regular Gr Canara Robeco Large Cap Plus Fund - Gr DHFL Pramerica Large Cap Fund - Gr DHFL Pramerica Midcap Opportunities Fund - Gr DSP BlackRock Equity Fund - Reg. Plan - Div DSP BlackRock Focus 25 Fund - Gr DSP BlackRock Micro Cap Fund - Gr DSP BlackRock Opportunities Fund - Gr DSP BlackRock Small and Mid Cap - Reg Gr DSP BlackRock Top 100 Equity Fund Gr Edelweiss Div. Growth Equity Top 100 Fund - Gr Edelweiss Emerging Leaders Fund - Gr Edelweiss Prudent Advantage Fund Plan A - Gr Escorts Growth Plan G Franklin India Bluechip Fund Gr Franklin India Flexi Cap Fund - Gr Franklin India High Growth Companies Fund - Gr Franklin India Opportunities Fund-Gr Franklin India Prima Fund Gr Franklin India Prima Plus Gr Franklin India Smaller Companies Fund - Gr Goldman Sachs India Equity Fund - Gr HDFC Capital Builder-Gr HDFC Core and Satellite Fund - Gr HDFC Equity Fund - Div HDFC Growth Fund Gr HDFC Large Cap Fund - Gr HDFC Mid Cap Opportunities Fund - Gr HDFC Premier Multi-Cap Fund - Gr HDFC Small and Mid Cap Fund - Gr HDFC Top 200 Fund - Div HSBC Dividend Yield Equity Fund - Gr HSBC Dynamic Fund - Gr HSBC Equity Fund - Gr HSBC India Opportunities Fund - Gr HSBC Midcap Equity Fund - Gr ICICI Prudential Dynamic Plan - Gr ICICI Prudential Exports and Other Services Fund - Gr ICICI Prudential Focused Bluechip Equity Fund - Gr ICICI Prudential MidCap Fund - Gr ICICI Prudential Multicap Fund - Gr ICICI Prudential Select Large Cap Fund - Retail Gr ICICI Prudential Top 100 Fund - Gr ICICI Prudential Value Discovery Fund Gr IDFC Classic Equity Fund - Regular Plan - Gr IDFC Equity Fund - Regular Plan - Gr IDFC Imperial Equity Fund - Regular Plan - Gr IDFC Premier Equity Fund - Regular Plan - Gr IDFC Sterling Equity Fund - Regular Gr Indiabulls Blue Chip Fund - Gr Invesco India Business Leaders Fund - Gr Invesco India Contra Fund - Gr Invesco India Dynamic Equity Fund - Gr Invesco India Growth Fund - Gr Invesco India Mid N Small Cap Fund - Gr Invesco India Midcap Fund - Gr JM Equity Fund Growth Option JM Multi Strategy Fund - Growth Option JP Morgan India Equity Fund - Gr JP Morgan India Mid and Small Cap Fund - Gr Kotak 50 Equity Scheme Div Kotak Classic Equity Fund - Gr Kotak Emerging Equity Scheme - Gr Kotak Midcap - Gr Kotak Opportunities Fund - Gr Kotak Select Focus Fund - Gr L&T Business Cycles Fund - Gr L&T Emerging Businesses Fund - Gr L&T Equity Fund - Gr L&T India Large Cap Fund - Gr L&T India Special Situations Fund - Gr L&T India Value Fund - Gr L&T Midcap Fund - Gr LIC Nomura Equity Fund Gr LIC Nomura Growth Fund Gr

22.6431.8519.9128.7243.1624.2941.5531.8939.3410.0536.6815.9641.1745.2341.3629.5626.4522.2130.6423.9134.5923.8138.0628.2424.4223.6434.6433.1040.8739.1242.6433.7025.8130.5420.0119.5626.5524.0827.2628.3638.0525.8640.6624.8527.8325.8931.5230.0123.6243.7024.8634.5632.3226.9524.2931.1433.5727.9333.3613.8129.4225.7935.2632.5434.8825.7934.3027.3624.7319.9628.3726.6627.8329.0323.0627.4926.0226.6318.5538.8125.6928.7324.8529.2239.6737.4134.0734.7830.4739.8527.3125.2521.3728.6231.6320.8324.86

13.3818.1220.3515.9726.8714.5524.2418.4525.1118.3228.4626.2230.5531.7826.0317.8918.7616.3326.8412.9832.7312.6022.4714.1015.67

- 19.2520.8540.2122.6430.1215.5415.0922.7014.4821.4416.2818.9722.9720.1029.5320.9633.4720.0518.5517.1015.7715.729.43

30.0213.8422.0614.9113.9612.1714.0119.3027.9415.8619.0615.8524.2321.5614.9716.0623.0516.5110.6810.0319.8318.7714.2217.2122.2913.8917.5323.5224.3912.6120.2416.4827.5116.7714.3233.1429.4020.7922.81

- -

16.9515.0415.9026.6528.679.79

13.76

16.00-

23.2316.0425.2014.6523.7219.5823.9622.8725.6927.1429.7328.1123.6519.4719.4818.3227.7214.3631.4214.2020.8714.7416.73

- 18.2319.2535.8521.4527.2615.0316.5122.7014.5121.1316.1120.2225.1719.9629.2021.2433.83

- 19.6116.3716.9214.8911.1828.7214.1721.4315.6914.2311.6013.9719.7726.1717.5426.4317.1125.4221.2316.0317.2925.1015.9912.1910.8821.5419.32

- 17.4722.1616.1118.5425.5525.3713.9219.2316.9628.1116.8215.5229.3626.3120.1722.62

- -

17.5415.9717.8826.6827.9711.9714.95

- - -

12.1819.2712.6618.4116.3821.0418.3119.9023.9123.6721.9617.8616.5316.7915.9623.7311.5025.8712.71

- -

13.30-

14.81-

28.4517.0521.8512.6514.30

- 11.7615.8613.7316.7520.5515.8923.8417.9127.21

- 16.3912.7614.1012.539.2024.3211.2817.1213.1811.389.2911.2316.3118.7715.1022.2915.1319.8617.1313.5114.9021.2812.6210.438.8819.1116.71

- 14.3317.6913.6915.4822.2721.6410.7013.7814.1923.1613.8613.0423.0921.1516.2818.47

- -

14.7913.5815.47

- 21.939.7712.06

- - -

11.8316.0414.3415.9715.8618.9915.5218.2222.71

- - -

15.1016.4613.8219.27

- 22.5613.75

- -

12.12-

14.68- -

15.49-

12.77- - -

13.3813.6915.76

- 13.3620.7416.5422.94

- 15.9412.7514.9112.858.84

- 11.58

- 13.99

- -

10.3413.8214.7114.8718.50

- 16.6615.17

- 13.8821.1911.0910.019.3620.00

- - - - - - - -

8.43- - -

12.7612.53

- 18.0714.88

- - -

14.56-

14.75-

19.399.0710.92

- - -

12.9615.6114.5716.5617.09

- 14.3118.5121.61

- - - - - - - - - - - -

13.29-

16.35- -

16.12-

14.60- - -

13.4814.82

- -

13.8919.3017.46

- -

16.16-

16.2714.399.50

- - -

15.63- -

11.5214.23

- 16.50

- - -

15.66-

14.7820.78

- - - - - - - - - - - -

8.60- - -

14.00- - -

16.03- - - - - - -

18.559.3310.76

SIP RETURN AS ON 31ST AUGUST 2016

Starting - September Month of

Years

Invested Amount :

Schemes (Diversified Equity)

2015

1

1,20,000

2013

3

3,60,000

2011

5

6,00,000

Returns % - CAGR

2009

7

8,40,000

2006

10

12,00,000

2004

12

14,40,000

Mutual fund's AUM in August surge to new record, touch Rs15.63 trillion

Indian mutual fund's assets under management (AUM) touched a record high of Rs.15.63 trillion at the end of August as investors remained positive in view of the appreciating trend in equity and debt markets along with a continued pick-up in domestic economic growth. Total monthly AUM rose for the second consecutive month, up 2.97%, or Rs.25,332 crore, in August, after a jump of 10%, or Rs.1.37 trillion, in the month before, data from the Association of Mutual Funds of India (AMFI) showed. Income funds AUM accounting for 45.05% of the total increased by Rs.28,457 crore to Rs.7.04 trillion during August, the fifth consecutive month of net inflows. Liquid and money market schemes saw a net outflow of Rs.13,182 crore to total AUM size of Rs.2.89 trillion. Equity schemes, which account for nearly 30% of the total industry AUM, reported net inflow of Rs.6,505 crore month-on-month to total AUM size of Rs.4.67 trillion.

MF folio count rises 21 lakh to around 5 crore in August end

Showing a growing traction for mutual funds among investors, the number of folios has surged by over 21 lakh in the first five months of the ongoing financial year (FY) to around 5 crore, mainly on account of strong participation from retail investors. This follows an addition of 59 lakh folios or investor accounts in the preceding FY (2015-16) and 22 lakh in the FY 2014-15. According to the Securities and Exchange Board of India data on investor accounts with 42 active fund houses, the number of folios jumped to 4,97,96,459 at the end of August from 4,76,63,024 at the end of the last FY, a gain of 21.33 lakh. Growing participation from retail investors and huge inflows in equity schemes have helped in increasing the folio counts, experts said.

India expected to post first current account surplus in nine years

India is likely to post its first current account surplus in nine years in the latest quarter, which should bolster the rupee though it is not a good sign for the economy as it reflects weak investment demand at home and subdued exports, analysts said. Forecasts given by investment houses research notes and from analysts that Reuters spoke to showed expectations centering on a surplus of $4 billion, or 0.8 percent of GDP, in April-June quarter. That compared with a deficit of $6.2 billion, equivalent to 1.2 percent of GDP, in the same quarter a year ago. And, if the forecasts prove correct it will be the first surplus since January-March 2007, though India is unlikely to keep the surpluses coming.

Wholesale prices rise 3.74 % in August

India's annual rate of inflation based on wholesale prices moved up to 3.74 per cent in August, from 3.55 per cent in the month before, according to official data released. Nonetheless, the annual rate of inflation for some commodities remained rather high: Potatoes (66.72 per cent), pulses (34.55 per cent) and fruits (13.91 per cent). But onion prices were down 64.19 per cent in August this year, against the like month of the previous year. Data released by the Commerce and Industry Ministry further showed that the annual inflation for manufactured products and fuels remained modest at 2.42 per cent and 1.62 per cent, respectively.

August CPI falls to 5.05 per cent; July IIP shrinks by 2.4 per cent

The consumer price index (CPI) for the month of August fell sharply to 5.05 per cent year-on-year from 6.07 per cent in July due to a steep fall in food prices. According to the government data released, about 50 per cent weight in the inflation basket is enjoyed by food prices, which fell tremendously in the current fiscal. Food inflation slowed to 5.91 per cent from 8.35

per cent, with high pulses prices being offset by weak vegetable prices. Separately the data showed that July index of industrial production (IIP) came in at 2.4 per cent, compared to 1.95 per cent (revised) in June, and an expectation of 1.37 per cent.

India most optimistic globally on hiring plans for Oct-Dec quarter

India is the most optimistic country globally in terms of hiring plans for the next three months, however, there is some sign of increased caution among employers amid global slowdown and impact of automation in the information technology sector, says a survey. The quarterly Manpower Employment Outlook survey, released by ManpowerGroup, said hiring confidence is strongest in India, Japan and Taiwan, while employers in Brazil, Belgium, Finland, Italy and Switzerland report the weakest hiring plans. India's net employment outlook for the October-December quarter of 2016 stood at 31 per cent, the highest among 43 surveyed nations.

Direct tax mop-up rises 15% to Rs 1.89 lakh crore in April-August

Net direct tax collections during the April-August period has grown 15.03 per cent to Rs 1.89 lakh crore, led by robust collections in personal income tax. Direct taxes, which include corporate income tax and personal income tax, collection in the first five months till August is 22.30 per cent of Budget estimates for the full financial year. The government hopes to collect Rs 8.47 lakh crore from direct taxes and Rs 7.79 lakh crore from indirect taxes, which includes customs, excise and service tax, in 2016-17 financial year.

India to be amongst top five global pharma innovation hubs by 2020

To push India into top five pharmaceutical innovation hubs by 2020 and establish global presence by launching one out of every five to 10 drugs discovered in India at global level, the government is preparing for

multi-billion dollar investment with 50 per cent public funding through its public private partnership model to enhance innovation capability, reveals the joint study. The Indian Government has been very active in boosting growth and investment in Indian pharmaceutical industry. It allows 100 per cent FDI under automatic route in the pharmaceuticals sector. FDI favourably impacts the Indian pharma industry by providing access to more capital/funds for investing in Research and Development, highlighted the study jointly conducted by ASSOCHAM and TechSci Research.

India-US trade will be aided by interaction at many levels: FM

Finance Minister Arun Jaitley has said India-US trade will get a boost from business-to-business, business-to-government and g o v e r n m e n t - t o - g o v e r n m e n t interactions, in a context where new structural reforms like GST will boost growth and the overall development of the country. He said the recent passage by Parliament of the Goods and Services Tax (GST) Bill and the Bankruptcy Code along with other structural reforms made by the government in the last two years will help in boosting the growth and the overall development of the country.

Automobile industry to grow to Rs 20 lakh crore in 10 years

Automobile industry turnover is poised to grow over four times to Rs 20 lakh crore in 10 years and has the potential to occupy the top slot globally, Union Minister Nitin Gadkari has said. Urging automakers to "not to compromise with quality", he said innovation and technological upgradation can boost exports. Automobile industry, which is of Rs 4.5 lakh crore at present, we will take it to Rs 20 lakh crore in 10 years. It has the potential to become number one in the world. He said the industry registered a growth of eight per cent and accounted for exports to the tune of Rs 70,000 crore.





NEWS UPDATE

41.5132.0424.8332.8632.0935.1045.1735.8132.0615.7918.0925.3831.9435.4525.2529.3927.0326.8723.0528.7029.0428.8230.6018.4232.6431.8128.4626.0725.6052.9229.1120.4939.8925.6227.4547.6815.5825.8722.8023.3637.1718.6423.9529.7724.4927.7624.8326.6724.5123.7631.5817.6625.4924.8029.2052.9210.05151

21.9728.7224.1325.1120.9024.9722.1531.3639.6221.1326.0034.3329.3128.4227.9225.6127.5934.7124.2832.5928.3326.6132.0735.8930.1424.3533.6431.3130.5719.3323.1627.9439.6219.33

3121.0523.92

33.9420.5416.86

- -

16.3430.9119.8416.6512.0814.8914.3221.1027.769.95

20.2031.4517.3916.4620.9417.5222.3318.0921.3430.9324.2121.3034.9218.3429.2630.6810.4331.0517.4919.0226.2814.9614.5724.7413.5525.4113.8712.6417.6610.2513.9612.4816.9211.9514.1729.2922.7112.1915.1019.9340.219.43146

21.3315.7420.8221.8017.6915.4613.7518.3523.5515.9420.6617.3415.0417.6618.7917.8120.6719.7016.4620.9218.0215.5816.6519.8521.8216.8019.5122.8415.4211.1614.0118.1023.5511.16

318.7910.52

32.7421.36

- - -

15.2730.0721.0017.0514.0017.7016.4320.0826.7911.4919.5632.0218.5816.7221.4916.5921.1017.8123.3431.4623.1621.7733.6817.4424.1528.5511.7828.7517.3619.6523.8818.0015.5225.7613.4924.6216.2913.9617.0812.3715.2412.5718.0613.2714.9729.9123.6713.9015.8520.2835.8510.88142

24.3516.5821.6222.4919.7516.8815.3518.5723.0617.5420.9818.1816.5018.8720.5019.8821.3719.5716.7918.8418.0616.6317.1321.1023.1418.4718.3621.8614.94

- 14.9019.0824.3514.90

3011.0912.04

- 18.17

- - -

12.5623.4216.7413.92

- 16.2212.7615.7421.279.9515.48

- 15.4713.1017.5312.5419.7814.8319.9625.0917.8417.5126.5713.5819.0521.479.4023.0315.1416.0918.7415.7513.1720.9410.6719.2013.6811.9113.55

- 12.5510.8715.6912.4212.5624.1421.4512.8913.3916.5528.458.88131

- 12.9717.6917.5417.2313.3613.4414.3118.5914.9318.0415.3713.7615.6817.3216.8418.0114.6814.0114.9215.1913.3013.5716.9519.4615.2914.4918.0212.16

- 12.3015.5019.4612.16

299.4110.13

- - - - -

12.13-

13.5013.78

- 16.8910.6914.94

- -

15.47- -

12.1915.1611.2418.7114.1017.8819.9814.4915.64

- -

15.9419.159.0620.9115.7214.4417.5114.8312.9818.109.3114.73

- 11.3313.58

- 11.1412.4115.06

- 11.9321.2420.5314.1812.2014.9022.948.4394

- 11.4715.0115.3014.47

- 14.6712.07

- -

16.9514.6513.94

- 16.76

- - - -

12.9315.0411.1312.0813.2617.7313.7813.1715.8712.91

- 11.1014.0117.7311.10

219.299.87

- - - - - - -

12.84- - - -

16.37- - - - -

13.31-

13.04-

15.2918.16

- -

16.84- - - -

10.9121.34

- 14.9017.8815.3714.1617.329.7213.26

- 12.7114.52

- - -

15.02-

12.49- - - -

14.9821.618.6054

- 11.2015.0215.44

- -

15.95- - -

17.1614.7414.84

- 16.64

- - - - - -

10.5912.6612.76

- 15.1714.2115.38

- -

11.1614.1917.1610.59

1510.6611.02

SIP RETURN AS ON 31ST AUGUST 2016


Years

Invested Amount :


2015

1

1,20,000

2013

3

3,60,000

2011

5

6,00,000

Returns % - CAGR

2009

7

8,40,000

2006

10

12,00,000

2004

12

14,40,000

Mirae Asset Emerging Bluechip Fund - Gr Mirae Asset India Opportunities Fund - Gr Motilal Oswal MOSt Focused 25 Fund - Gr Motilal Oswal Most Focused Midcap 30 Fund - Gr Motilal Oswal MOSt Focused Multicap 35 Fund - Gr Principal Dividend Yield Fund - Gr Principal Emerging Bluechip Fund - Gr Principal Growth Fund Gr Principal Large Cap Fund - Gr Principal SMART Equity Fund - Gr Reliance Equity Opportunities Fund - Gr Reliance Focused Large Cap Fund - Gr Reliance Growth Fund Gr Reliance Mid & Small Cap Fund - Gr Reliance Quant Plus Fund - Gr Reliance Regular Savings Fund Equity Plan - Gr Reliance Small Cap Fund - Gr Reliance Top 200 Fund - Gr Reliance Vision Fund Gr SBI Blue Chip Fund - Gr SBI Contra Fund - Regular Div SBI Emerging Businesses Fund - Regular Plan - Gr SBI Magnum Equity Fund - Div SBI Magnum Global Fund - Div SBI Magnum MidCap Fund - Gr SBI Magnum Multicap Fund - Gr SBI Magnum Multiplier Fund - Div SBI Small & Midcap Fund - Gr Sundaram Equity Multiplier Fund - Gr Sundaram Rural India Fund - Gr Sundaram S.M.I.L.E. Fund - Gr Sundaram Select Focus - Gr Sundaram Select MidCap - Gr Tata Dividend Yield Fund - Gr Tata Equity Opportunities Fund - Gr Tata Equity P/E Fund Gr Tata Ethical Fund - Gr Tata Large Cap Fund - Gr Tata Mid Cap Growth Fund - Gr Taurus Bonanza Fund Gr Taurus Discovery Fund - Gr Taurus Ethical Fund - Gr Taurus Starshare Growth Templeton India Growth Fund Gr Union KBC Equity Fund - Gr UTI Bluechip Flexicap Fund - Gr UTI Dividend Yield Fund. - Gr UTI Equity Fund - Div UTI India Lifestyle Fund - Gr UTI Master Share - Div UTI Mid Cap Fund - Gr UTI MNC Fund - Gr UTI Opportunities Fund - Gr UTI Top 100 Fund - Gr Average Return of Above FundsMaximum ReturnMinimum ReturnUniverseELSS / Tax Savings SchemesAxis Long Term Equity Fund - Gr Baroda Pioneer Elss 96 - Div Birla Sun Life Tax Plan - Div Birla Sun Life Tax Relief 96 Fund - Div BNP Paribas Long Term Equity Fund - Gr BOI AXA Tax Advantage Fund - Regular - Growth Canara Robeco Equity Tax Saver Fund - Div DHFL Pramerica Tax Plan - Gr DSP BlackRock Tax Saver Fund - Gr Edelweiss ELSS Fund - Gr Franklin India Taxshield Gr HDFC Long Term Advantage Fund - Gr HDFC Taxsaver - Div HSBC Tax Saver Equity Fund - Gr ICICI Prudential Long Term Equity Fund - Regular Gr IDFC Tax Advantage (ELSS) Fund - Regular Gr Invesco India Tax Plan - Gr JM Tax Gain Fund - Growth Option JP Morgan India Tax Advantage Fund - Gr Kotak Tax Saver - Gr L&T Tax Advantage Fund - Gr LIC Nomura Tax Plan Gr Principal Personal Tax Saver - Gr Principal Tax Savings Fund Reliance Tax Saver Fund - Gr SBI Magnum Tax Gain Fund - Div Sundaram Tax Saver - Div Tata India Tax Savings Fund Regular Plan - Div Taurus Tax Shield - Gr Union KBC Tax Saver Scheme - Gr UTI Long Term Equity Fund (Tax Saving) - Div Average Return of Above FundsMaximum ReturnMinimum ReturnUniverseS&P BSE SENSEXNIFTY 50





























Axis Equity Fund - Gr Axis Focused 25 Fund - Gr Axis MidCap Fund - Gr Baroda Pioneer Growth Fund - GrBirla Sun Life Advantage Fund Gr Birla Sun Life Dividend Yield Plus - Growth Birla Sun Life Equity Fund - Gr Birla Sun Life Frontline Equity Fund - Gr Birla Sun Life India GenNext Fund - Gr Birla Sun Life India Opportunities Fund - Gr Birla Sun Life Midcap Fund - Gr Birla Sun Life MNC Fund Gr Birla Sun Life Pure Value Fund - Gr Birla Sun Life Small and Midcap Fund - Gr Birla Sun Life Special Situations Fund - Gr Birla Sun Life Top 100 Fund - Gr BNP Paribas Dividend Yield Fund- Gr BNP Paribas Equity Fund - Gr BNP Paribas Midcap Fund - Gr BOI AXA Equity Fund - Regular Plan Gr Canara Robeco Emerging Equities Fund - Gr Canara Robeco Equity Diversified - Gr Canara Robeco F.O.R.C.E. Fund - Regular Gr Canara Robeco Large Cap Plus Fund - Gr DHFL Pramerica Large Cap Fund - Gr DHFL Pramerica Midcap Opportunities Fund - Gr DSP BlackRock Equity Fund - Reg. Plan - Div DSP BlackRock Focus 25 Fund - Gr DSP BlackRock Micro Cap Fund - Gr DSP BlackRock Opportunities Fund - Gr DSP BlackRock Small and Mid Cap - Reg Gr DSP BlackRock Top 100 Equity Fund Gr Edelweiss Div. Growth Equity Top 100 Fund - Gr Edelweiss Emerging Leaders Fund - Gr Edelweiss Prudent Advantage Fund Plan A - Gr Escorts Growth Plan G Franklin India Bluechip Fund Gr Franklin India Flexi Cap Fund - Gr Franklin India High Growth Companies Fund - Gr Franklin India Opportunities Fund-Gr Franklin India Prima Fund Gr Franklin India Prima Plus Gr Franklin India Smaller Companies Fund - Gr Goldman Sachs India Equity Fund - Gr HDFC Capital Builder-Gr HDFC Core and Satellite Fund - Gr HDFC Equity Fund - Div HDFC Growth Fund Gr HDFC Large Cap Fund - Gr HDFC Mid Cap Opportunities Fund - Gr HDFC Premier Multi-Cap Fund - Gr HDFC Small and Mid Cap Fund - Gr HDFC Top 200 Fund - Div HSBC Dividend Yield Equity Fund - Gr HSBC Dynamic Fund - Gr HSBC Equity Fund - Gr HSBC India Opportunities Fund - Gr HSBC Midcap Equity Fund - Gr ICICI Prudential Dynamic Plan - Gr ICICI Prudential Exports and Other Services Fund - Gr ICICI Prudential Focused Bluechip Equity Fund - Gr ICICI Prudential MidCap Fund - Gr ICICI Prudential Multicap Fund - Gr ICICI Prudential Select Large Cap Fund - Retail Gr ICICI Prudential Top 100 Fund - Gr ICICI Prudential Value Discovery Fund Gr IDFC Classic Equity Fund - Regular Plan - Gr IDFC Equity Fund - Regular Plan - Gr IDFC Imperial Equity Fund - Regular Plan - Gr IDFC Premier Equity Fund - Regular Plan - Gr IDFC Sterling Equity Fund - Regular Gr Indiabulls Blue Chip Fund - Gr Invesco India Business Leaders Fund - Gr Invesco India Contra Fund - Gr Invesco India Dynamic Equity Fund - Gr Invesco India Growth Fund - Gr Invesco India Mid N Small Cap Fund - Gr Invesco India Midcap Fund - Gr JM Equity Fund Growth Option JM Multi Strategy Fund - Growth Option JP Morgan India Equity Fund - Gr JP Morgan India Mid and Small Cap Fund - Gr Kotak 50 Equity Scheme Div Kotak Classic Equity Fund - Gr Kotak Emerging Equity Scheme - Gr Kotak Midcap - Gr Kotak Opportunities Fund - Gr Kotak Select Focus Fund - Gr L&T Business Cycles Fund - Gr L&T Emerging Businesses Fund - Gr L&T Equity Fund - Gr L&T India Large Cap Fund - Gr L&T India Special Situations Fund - Gr L&T India Value Fund - Gr L&T Midcap Fund - Gr LIC Nomura Equity Fund Gr LIC Nomura Growth Fund Gr

133,549138,830131,960137,047145,161134,504144,269138,851143,041126,124141,553129,640144,060146,306144,164137,530135,746133,301138,145134,282140,377134,228142,327136,772134,581134,129140,410139,537143,896142,920144,875139,879135,380138,087132,020131,756135,807134,385136,215136,843142,319135,412143,777134,825136,538135,427138,644137,783134,118145,463134,835140,362139,099136,035134,503138,428139,804136,599139,683128,370137,447135,370140,759139,224140,540135,367140,215136,268134,757131,991136,851135,867136,541137,229133,792136,346135,502135,855131,164142,748135,310137,053134,829137,336143,226141,962140,086140,485138,045143,325136,244135,058132,809136,991138,704132,495134,832

438,113468,315482,963454,455527,547445,430509,239470,429515,257469,624538,845522,970553,938562,929521,683466,812472,487456,761527,357435,606569,883433,261497,196442,618452,530

- 475,704486,249627,207498,350550,813451,680448,824498,696444,995490,217456,412473,855500,539481,317546,530487,041575,393480,931471,104461,709453,174452,821413,966550,044440,964494,405447,695441,714430,643442,058476,045535,110453,722474,468453,679509,173491,023448,084454,993501,119457,905421,518417,572479,483472,507443,351462,378495,975441,323464,432504,331510,282433,320482,218457,709532,078459,565444,024572,967545,615485,903499,506

- -

460,732448,509453,979525,995540,354416,165440,477

891,802-

1,061,779892,729

1,112,972862,963

1,074,334972,771

1,080,5391,052,8181,125,8041,165,1451,238,6371,192,3481,072,462970,226970,403943,560

1,181,237857,033

1,288,408853,628

1,003,394864,959907,799

- 941,596964,961

1,428,1021,017,4041,168,481871,055903,095

1,048,547860,029

1,009,775894,269987,904

1,112,062981,745

1,223,0911,012,4561,363,025

- 973,456900,013912,013868,167792,680

1,209,373852,861

1,017,092885,242854,260800,897848,723977,236

1,138,721926,017

1,145,941916,226

1,118,8001,012,089892,539920,314

1,110,362891,745812,490786,709

1,019,740966,723

- 924,261

1,035,059894,353948,527

1,122,2121,117,257847,694964,572912,897

1,192,342909,803881,640

1,227,8111,142,691986,572

1,046,522- -

925,832891,320933,580

1,152,7571,188,347808,178869,333

- - -

1,292,8831,662,2741,315,0051,612,7611,500,5191,769,4321,606,9191,699,6031,958,0261,941,5101,827,9061,581,2201,508,8131,522,7761,478,1331,946,1141,261,8902,097,8971,317,540

- -

1,345,336-

1,419,156-

2,295,4521,536,4511,821,1871,314,4481,394,057

- 1,273,6131,473,3181,366,0071,520,6191,739,2411,474,9561,953,2381,583,9142,199,127

- 1,500,8531,319,9041,384,1701,308,8631,163,1491,986,3441,252,0051,540,6831,339,4171,256,5021,166,5491,249,9181,496,7141,632,9661,434,1641,849,6171,435,4801,697,6641,541,2061,355,0601,423,5841,784,9031,313,2391,214,7501,149,8321,652,9301,518,197

- 1,395,0871,571,6761,363,8301,453,4861,848,3661,807,6251,226,5481,368,5651,388,3261,907,4331,372,1221,332,7241,902,6511,776,4671,495,2801,615,758

- -

1,418,0791,358,6441,453,094

- 1,825,9221,186,8071,287,314

- - -

2,214,4102,771,7362,530,9812,760,9812,745,7833,247,5522,695,8153,115,7323,967,815

- - -

2,636,5992,835,8652,461,5013,296,448

- 3,937,1242,453,024

- -

2,249,487-

2,576,947- -

2,692,314-

2,327,400- - -

2,404,8552,445,3762,730,577

- 2,402,5593,568,0652,847,0574,017,806

- 2,756,8892,325,3782,609,4402,338,4741,890,951

- 2,185,524

- 2,484,083

- -

2,046,7652,462,2002,581,8912,604,0323,163,220

- 2,865,0132,645,962

- 2,469,2363,655,3282,129,4322,010,3781,943,1083,429,394

- - - - - - - -

1,850,661- - -

2,326,2052,298,804

- 3,091,1992,604,608

- - -

2,560,641-

2,587,710-

3,318,0031,914,6452,110,759

- - -

3,274,1443,899,4313,639,5074,155,4034,303,162

- 3,579,1244,731,3965,827,452

- - - - - - - - - - - -

3,345,380-

4,098,426- -

4,035,749-

3,646,845- - -

3,387,4273,701,732

- -

3,479,6684,988,7794,410,658

- -

4,046,073-

4,076,8203,598,1922,611,289

- - -

3,904,629- -

2,978,5573,560,514

- 4,137,481

- - -

3,912,671-

3,691,1725,512,482

- - - - - - - - - - - -

2,463,332- - -

3,504,735- - -

4,009,686- - - - - - -

4,746,6042,583,3602,833,812


Years

Invested Amount


2015

1

1,20,000

2013

3

3,60,000

2011

5

6,00,000

Investment Value e

2009

7

8,40,000

2006

10

12,00,000

2004

12

14,40,000

SIP VALUE AS ON 31ST AUGUST 2016 NEWS UPDATE






























SIP VALUE AS ON 31ST AUGUST 2016


Years

Invested Amount


2015

1

1,20,000

2013

3

3,60,000

2011

5

6,00,000

Investment Value e

2009

7

8,40,000

2006

10

12,00,000

2004

12

14,40,000

NEWS UPDATE

DISCLAIMER: We have taken due care and caution in compilation of this booklet. The information has been obtained formvarious reliable sources. However it does not guarantee the accuracy, adequacy or completeness of any information and are not responsible for any errors or omissions of the results obtained from the use of such information. Investors shold seek proper financial advise regarding the appropriateness of investing in any of the schemes stated, discussed or recommended in this newsletter and should realise that thestatements regarding future prospects may or may not realise. Mutual fund investments are subject to market risks. Please read the offer document carefully before investing. Past performance is for indicative purpose only and is not necessarily a guide to the future performance.

Mirae Asset Emerging Bluechip Fund - Gr Mirae Asset India Opportunities Fund - Gr Motilal Oswal MOSt Focused 25 Fund - Gr Motilal Oswal Most Focused Midcap 30 Fund - Gr Motilal Oswal MOSt Focused Multicap 35 Fund - Gr Principal Dividend Yield Fund - Gr Principal Emerging Bluechip Fund - Gr Principal Growth Fund Gr Principal Large Cap Fund - Gr Principal SMART Equity Fund - Gr Reliance Equity Opportunities Fund - Gr Reliance Focused Large Cap Fund - Gr Reliance Growth Fund Gr Reliance Mid & Small Cap Fund - Gr Reliance Quant Plus Fund - Gr Reliance Regular Savings Fund Equity Plan - Gr Reliance Small Cap Fund - Gr Reliance Top 200 Fund - Gr Reliance Vision Fund Gr SBI Blue Chip Fund - Gr SBI Contra Fund - Regular Div SBI Emerging Businesses Fund - Regular Plan - Gr SBI Magnum Equity Fund - Div SBI Magnum Global Fund - Div SBI Magnum MidCap Fund - Gr SBI Magnum Multicap Fund - Gr SBI Magnum Multiplier Fund - Div SBI Small & Midcap Fund - Gr Sundaram Equity Multiplier Fund - Gr Sundaram Rural India Fund - Gr Sundaram S.M.I.L.E. Fund - Gr Sundaram Select Focus - Gr Sundaram Select MidCap - Gr Tata Dividend Yield Fund - Gr Tata Equity Opportunities Fund - Gr Tata Equity P/E Fund Gr Tata Ethical Fund - Gr Tata Large Cap Fund - Gr Tata Mid Cap Growth Fund - Gr Taurus Bonanza Fund Gr Taurus Discovery Fund - Gr Taurus Ethical Fund - Gr Taurus Starshare Growth Templeton India Growth Fund Gr Union KBC Equity Fund - Gr UTI Bluechip Flexicap Fund - Gr UTI Dividend Yield Fund. - Gr UTI Equity Fund - Div UTI India Lifestyle Fund - Gr UTI Master Share - Div UTI Mid Cap Fund - Gr UTI MNC Fund - Gr UTI Opportunities Fund - Gr UTI Top 100 Fund - Gr Average Value of Above FundsMaximum ValueMinimum ValueUniverseELSS / Tax Savings SchemesAxis Long Term Equity Fund - Gr Baroda Pioneer Elss 96 - Div Birla Sun Life Tax Plan - Div Birla Sun Life Tax Relief 96 Fund - Div BNP Paribas Long Term Equity Fund - Gr BOI AXA Tax Advantage Fund - Regular - Growth Canara Robeco Equity Tax Saver Fund - Div DHFL Pramerica Tax Plan - Gr DSP BlackRock Tax Saver Fund - Gr Edelweiss ELSS Fund - Gr Franklin India Taxshield Gr HDFC Long Term Advantage Fund - Gr HDFC Taxsaver - Div HSBC Tax Saver Equity Fund - Gr ICICI Prudential Long Term Equity Fund - Regular Gr IDFC Tax Advantage (ELSS) Fund - Regular Gr Invesco India Tax Plan - Gr JM Tax Gain Fund - Growth Option JP Morgan India Tax Advantage Fund - Gr Kotak Tax Saver - Gr L&T Tax Advantage Fund - Gr LIC Nomura Tax Plan Gr Principal Personal Tax Saver - Gr Principal Tax Savings Fund Reliance Tax Saver Fund - Gr SBI Magnum Tax Gain Fund - Div Sundaram Tax Saver - Div Tata India Tax Savings Fund Regular Plan - Div Taurus Tax Shield - Gr Union KBC Tax Saver Scheme - Gr UTI Long Term Equity Fund (Tax Saving) - Div Average Value of Above FundsMaximum ValueMinimum ValueUniverseS&P BSE SENSEXNIFTY 50






144,249138,941134,814139,402138,966140,664146,271141,064138,951129,540130,897135,130138,881140,862135,059137,430136,080135,987133,789137,040137,234137,105138,122131,089139,277138,808136,901135,532135,258150,507137,270132,297143,350135,271136,324147,652129,415135,414133,645133,968141,829131,215134,309137,650134,617136,500134,817135,876134,630134,198138,680130,642135,193134,799137,288150,507126,124

151

133,161137,048134,413134,976132,538134,896133,264138,553143,198132,673135,489140,232137,385136,875136,591135,264136,401140,445134,500139,251136,827135,839138,953141,112137,861134,537139,843138,523138,105131,619133,848136,588143,198131,619

31132,626134,292

578,955484,188460,130

- -

456,782556,505479,594458,780430,078447,601443,993487,970533,856417,117481,968560,471463,550457,568486,866464,383496,230468,105489,527556,705509,046489,306586,307469,710544,556554,842419,992557,533464,190474,187523,419448,042445,584512,706439,181517,318441,170433,513465,285418,920441,745432,543460,558429,303443,061544,789498,811430,785448,900481,405627,207413,966

146

489,465452,979486,108492,648465,485451,180440,411469,816504,548454,281484,998463,250448,539465,310472,670466,257485,101478,649457,549486,777467,661451,989458,824479,646492,794459,742477,423499,655450,914424,443442,049468,425504,548424,443

31410,151420,532

1,328,8871,015,255

- - -

876,1161,248,5011,006,481915,046849,367929,564901,299984,417

1,155,763798,657972,216

1,306,750949,512907,764

1,018,383904,688

1,009,106931,955

1,064,6291,289,7751,060,1581,025,3551,358,244923,626

1,085,3051,204,700804,508

1,210,227921,868974,468

1,078,516936,381881,536

1,127,825838,848

1,097,561898,320848,639915,722816,141875,488820,242937,619834,401869,897

1,243,6591,073,155847,317888,727997,619

1,428,102786,709

142

1,090,539904,539

1,021,6841,043,155976,821911,122877,901949,341

1,057,432925,837

1,006,031940,316902,835956,183994,662979,840

1,015,574972,615909,176955,566937,738905,734916,691

1,008,9271,059,550947,012944,588

1,027,560869,180

- 868,219962,546

1,090,539868,219

30790,887809,588

- 1,598,634

- - -

1,310,5761,925,0081,519,9361,374,968

- 1,492,0691,319,8341,466,7191,783,8661,194,4041,453,504

- 1,453,0081,335,5801,563,0201,309,1991,692,4741,420,3361,703,6862,041,4731,580,2801,561,8712,149,8841,358,6211,649,4981,796,5071,171,4641,898,1481,435,9491,485,0111,631,4451,467,2901,338,9481,763,1631,225,3941,658,1501,363,5191,280,6441,357,144

- 1,310,0401,234,0201,464,1471,303,8511,310,2091,974,0211,795,4861,325,8841,349,5071,527,7422,295,4521,149,832

131

- 1,329,4301,572,0251,563,7831,546,4701,348,2581,352,0831,394,2251,622,8341,425,3761,591,6361,447,9891,367,1621,463,8451,551,4161,525,1181,589,6131,412,5811,379,3711,424,9821,438,4791,345,2231,358,1011,531,3071,673,2491,443,9171,403,3631,590,5331,291,889

- 1,298,2891,458,0191,673,2491,291,889

291,171,5421,202,128

- - - - -

2,249,548-

2,420,8152,456,318

- 2,901,1572,084,7252,613,258

- -

2,689,238- -

2,257,0452,644,7232,146,5713,200,1152,499,2243,059,5953,426,1722,551,7392,713,789

- -

2,757,5753,275,7671,913,5583,600,6002,724,9052,544,7592,999,2582,598,8382,354,4533,096,8341,938,2492,584,595

- 2,156,1082,430,710

- 2,135,5122,284,1412,630,269

- 2,226,6953,666,0873,528,1732,508,9542,258,3902,652,3644,017,8061,850,661

94

- 2,172,6652,623,8292,664,4952,548,359

- 2,576,5402,243,279

- -

2,910,9642,573,1192,477,745

- 2,880,637

- - - -

2,348,2522,628,2322,134,0522,244,8382,388,9723,034,8772,456,3192,378,5942,746,4182,345,129

- 2,130,4632,500,3703,034,8772,130,463

211,936,8511,996,200

- - - - - - -

3,246,809- - - -

4,103,908- - - - -

3,349,229-

3,290,435-

3,819,4534,622,809

- -

4,232,449- - - -

2,862,2795,723,873

- 3,721,6814,536,2633,837,7773,542,6234,371,9582,649,3873,337,721

- 3,220,8803,627,488

- - -

3,750,229-

3,174,272- - - -

3,809,2085,827,4522,463,332

54

- 2,916,3943,749,7483,855,697

- -

3,988,650- - -

4,325,4153,680,8503,705,994

- 4,176,332

- - - - - -

2,803,2903,209,0303,230,682

- 3,788,5873,554,9443,841,125

- -

2,909,6533,582,4264,325,4152,803,290

152,816,3822,881,842

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Lack of diversification CREATE WEALTH CREATE YOUR FUTURE … · 2017. 9. 10. · with it. You have to pay commissions in stock trading, real estate investment exit loads for mutual