Top Mutual Funds for your Portfolio

An initiative of www.mywealthclub.com – India’s No 1 Financial Planning company 

Following are the top mutual funds which you should have in your portfolio for wealth creation.

Fund Name	Category	MWC Rating	1 Year Return	3 Years Rerturn	5 Years Return	Recommended Time Horizon
Equity
Reliance Equity Opportunities Fund(G)	Equity – Multi-cap	*****	13.93	9.49	12.24	5 Years
Franklin India Bluechip Fund(G)	Equity - Large-cap	*****	12.59	6.2	8.08	5 Years
IDFC Premier Equity Fund-Reg(G)	Equity - Mid-cap	*****	12.47	9.03	11.54	5 Years
ICICI Pru Discovery Fund(G)	Equity - Value	*****	12.34	7.14	13.66	5 Years
HDFC Top 200 Fund(G)	Equity - Large-cap	*****	11.02	5.58	9.1	5 Years
Hybrid
ICICI Pru Equity VAP(G)	Hybrid - Dynamic Allocation	*****	16.04	10.47	8.27	3 Years
FT India Dynamic PE Ratio FOFs(G)	Hybrid - Dynamic Allocation	*****	11.69	6.9	8.35	3 Years
Tata Balanced Fund(G)	Hybrid - Balanced Fund	*****	13	7.72	9.17	3 Years
ELSS - Tax Saving
ICICI Pru Tax Plan(G)	Equity - ELSS	*****	12.73	4.83	7.36	5 Years
Debt
UTI ST Income Fund(G)	Debt - Short Term Income Plan	*****	12.08	10.11	0	1 Year
Birla SL Dynamic Bond Fund(G)	Debt - Dynamic Bond Fund	*****	11.16	8.9	9.53	1 Year
Templeton India ST Income Plan(G)	Debt - Short Term Income Plan	*****	10.84	8.59	9.47	1 Year

*As on 2/5/13    **Returns for more than 1 year are annualized

The above funds have been selected after due diligence by the research team of www.mywealthclub.com The recommended funds have consistent track record of performance and qualifies all the quality parameters like background of fund managaer & asset management company, relevance of strategy etc. These funds will help you in your goal of wealth creation. 

If you have any query related to above funds or your existing portfolio then please feel free to contact us at contact@mywealthclub.com or visit us at www.mywealthclub.com 

Best Wishes 

Research Team 

Mywealthclub.com

Short Term Bond Funds - Attractive Opportunity

Indian Economy has slowed down in the last few years. A big impact of this has been on Interest   rates of deposit and debt funds. Last year at this time, Fixed Deposits and FMP were offering 10% but the current yield on same has come down to approx 9%. Going forward, Interest Rates are expected to further come down in next 1 year as economy further slows. 

One instrument which does really well in falling interest rate scenario is Short Term Bond Fund. The strategy of the fund is to hold good quality Corporate Bonds of 2-3 years time horizon when interest rates are good and sell the bonds at premium when interest rates in economy goes down. These funds have done really well in the last 1 year with average return being greater than 10%. These category of funds are expected to do well in coming 1 year as well. 

Mywealthclub.com recommends following funds in this category for investment: 

 

Scheme	Corpus (In cr.)	1Y	2Y	3Y	MWC Rating
UTI - ST Income Fund (G)	2050	11.37	11.48	9.65	*****
Birla SL - DBF (G)	14481	10.12	10.21	8.6	*****
Templeton - India ST Income Plan (G)	6035	9.99	9.76	8.34	*****
Average		10.49	10.48	8.86

                          *As on 25/2/13   **Returns for more than 1 year are annualized. 

 The above funds have been shortlisted on the basis of consistency of performance, quality of fund management team, quality of underlying investments etc.

 Points for consideration: 

• Allocation - Investor can look at deploying a maximum of 40% of his Debt/ Fixed Income Portfolio in the above funds.
•  Diversification – Investors are recommended to invest equally in all the above 3 funds to diversify the portfolio.
• Expected Return – Investors may expect a return of 9% to 11% in next 1 Year.
• Time horizon – Minimum recommended time horizon for the above funds is 1 Year.
• Liquidity – The above funds are liquid and investor can withdraw the funds when required. An exit load of 0.5% to 0.75% may be applicable if withdrawal is made before 6 or 9 months depending upon the fund.
•  Taxation – The capital gain from investment will get taxed at 10% or 20% with indexation whichever is lower. If an investor invests in the above funds before 31^st March’13 and sells after 1^st April 2014 then he will be eligible for double indexation which may bring down his tax liability to 0%.
• Expense Ratio – The above funds have an inbuilt expense ratio of approx 1% - 1.5%. The above performance shown is net of expense ratio.
• Advisor commission – Advisor gets paid 0.2% to 0.9% depending upon the fund. 

If you want any additional information or invest in the above funds then please contact us at support@mywealthclub.com or call us at 90156 15190. 

My Wealth Club's Alternative to Bank Fixed Deposit

In the last 1 year, Bank Fixed Deposit rate has come down to 8.75% from 10%. The question which must be coming in the mind of Fixed Deposit Investors would be how to get better return without compromising on the risk quality. MyWealthClub.com would like to recommend the following alternate options which can help investors in getting better returns:

Deposit Name	National Housing Bank	HDFC Platinum Deposit
Credit Rating	AAA	AAA
Tenure	15, 33 months	12, 24, 36, 60 months
Annualized Return	9.58%	9.50%*
Additional for senior Citizens	0.60%	0.25%
Minimum Amount	50000	40000
Liquidity	Yes	Yes
Taxation	As per Slab	As per Slab
Interest Payout	Cumulative/ Annual	Cumulative/ Half yearly

                *special rate for mywealthclub.com investors. Normal rate is 9.4%

National Housing Bank (NHB) is a subsidiary of Reserve Bank of India (RBI) which means that it is as safe as any other Bank Deposit.HDFC Platinum Deposit is from HDFC Ltd which is 3^rd largest company in India with a market capitalization of 1,23,557 Crores and is considered to have one of the best corporate governance.

Investors are recommended to invest in the above deposit options to earn an extra return of 0.75% to 0.85% above Bank Fixed Deposit rate.

Special Offer for mywealthclub.com investors– Get a free 16GB Pen Drive with every investment.

If you want to invest in any of the above deposits then please contact us at support@mywealthclub.com or call us at 90156 15190.