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Financial Planning - Mutual Fund

The document provides an overview of mutual funds in India including their history, structure, types, charges and top performers. It discusses the four phases of growth of mutual funds in India from 1964 to the present. It also outlines myths and facts about mutual funds, defines what they are, and lists the top 10 mutual fund houses in India as well as some front running funds to consider for 2019.

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TRIVIKRAM JOSHI
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111 views20 pages

Financial Planning - Mutual Fund

The document provides an overview of mutual funds in India including their history, structure, types, charges and top performers. It discusses the four phases of growth of mutual funds in India from 1964 to the present. It also outlines myths and facts about mutual funds, defines what they are, and lists the top 10 mutual fund houses in India as well as some front running funds to consider for 2019.

Uploaded by

TRIVIKRAM JOSHI
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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FINANCIAL PLANNING

MUTUAL FUND

-BY SUJAY S.PATHRE

"The most important quality for an investor is temperament, not intellect. You need a temperament that
neither derives great pleasure from being with the crowd or against the crowd."

"I will tell you how to become rich. Close the doors. Be fearful when others are greedy. Be greedy when
others are fearful."
HISTORY OF MUTUAL FUND IN INDIA

The mutual fund industry in India started in 1963 with


the formation of Unit Trust of India, at the initiative of
the Government of India and Reserve Bank. The history
of mutual funds in India can be broadly divided into
four distinct phases

• First Phase : 1964 – 87: In 1963, UTI was set up by


Parliament under UTI act and given a monopoly.
The first equity fund was launched in 1986.

• Second Phase :1987 – 93: Non-UTI, Public Sector


mutual funds

• Third Phase :1993


: – 96: Introducing private
sector funds as well as open ended funds

• Fourth Phase :1996: Investor friendly regulatory


measures Action taken by SEBI to protect the
investor, and To enhance investor’s returns through 2
tax benefits
WHAT IS A MUTUAL FUND

“Mutual funds are collective savings and


investment vehicles where savings of small
(or sometimes big) investors are pooled
together to invest for their mutual benefit
and returns distributed proportionately”.

“A mutual fund is an investment that pools


your money with the money of an unlimited
number of other investors. In return, you
and the other investors each own shares of
the fund. The fund's assets are invested
according to an investment objective into
the fund's portfolio of investmets.
Aggressive growth funds seek long-term
capital growth by investing primarily in
stocks of fast-growing smaller companies or
market segments. Aggressive growth funds
are also called capital appreciation funds”. 3
FUND STRUCTURE

4
MYTHS AND FACTS ABOUT MUTUAL FUND

5
TYPES OF MUTUAL FUND

6
TYPES OF MUTUAL FUND

7
DIFFERENT CHARGES OF MUTUAL FUND

8
WHY MUTUAL FUND

9
GROWTH OF MUTUAL FUND INDUSTRY (GLOBAL SECNARIO)

10
GROWTH OF MUTUAL FUND INDUSTRY (INDIA SECNARIO)

11
TOP 10 MUTUAL FUND HOUSES IN INDIA

Top 10 Mutual Fund Houses in India

1. ICICI Prudential Mutual Fund


2. HDFC Mutual Fund
3. Reliance Mutual Fund
4. Birla Sun Life Mutual Fund
5. SBI Mutual Fund
6. UTI Mutual Fund
7. Kotak Mahindra Mutual Fund
8. Franklin Templeton Mutual Fund
9. DSP BlackRock Mutual Fund
10. IDFC Mutual Fund

12
TOP PERFORMING MUTUAL FUNDS

13
TOP PERFORMING MUTUAL FUNDS

14
TOP PERFORMING MUTUAL FUNDS

15
TOP PERFORMING MUTUAL FUNDS

What Happened in 2018?


2018?
The Indian market has been going through a gaseous phase ever since the beginning of 2018. The recent months, in particular, have
remained very volatile for the market.
Right from high oil prices, to tariff threats between the US and China, to a slumping rupee and a sell of in the non-banking finance
companies, the year saw it all.

In addition, the year witnessed multiple scams reported in some of the largest Public Sector Banks, the scuffle between the Reserve Bank
of India and the Government, the resignation of the RBI governor, political instability with no-confidence motion against the
government, and the government losing key state elections remained some of the flavours for the year from a domestic standpoint.
One thing that kept the gloom from worsening was the continuous inflows from the mom-and-pop investors. Until so far, in the event of
any market correction, investors trend to start panic selling, but it is different this time around.

The investors are using it as an opportunity to buy on dips.


The bull market over the past five years has helped ingrain the buy-the-dip mentality among locals. You would be surprised to see
that equity funds bought 1.18 trillion rupees ($17 billion) of shares this year, negating the sell by foreigners amounting to $4.5 billion.
It is interesting to see that the equity funds take into 80 billion rupees a month from savers who put in sums regularly aiming to smooth
out outliers through rupee cost averaging.

The monthly contribution has risen from about 12 billion rupees in 2014. The number of retail accounts reached 80 million at the end of
October 2018 with over three-quarters in stock plans.

We believe increasing awareness helps bring more investors to mutual funds this year, but the test of their maturity will be in them
staying for longer and adding new money, rupee cost averaging.

16
TOP PERFORMING MUTUAL FUNDS

What Can You Expect in 2019?


Despite the impressive growth figures, the fact also remains that asset under management accounts for nearly 10-11% of the total GDP.
The number increases to over 90% in the case of developed economies such as the US.

This low penetration shows the considerable potential the industry has to offer.

Having said that the ride is not likely to be very smooth.

If we see the next one year expectations from the industry, we believe some of the challenges observed in 2018 will continue in 2019.

However, we hope the intensity to moderate over time. On the global front, be it the US economy entering a recession or China growth
slowing down at a faster pace than anticipated or the Brexit bringing in a fresh set of challenges, the challenges are bound to continue.

But if we see domestically, we believe the year to be better as events such as demonetization, Goods and Services Tax (GST), etc. are
becoming history.

As far as the commodity price risk is concerned, the risk from oil has subsumed for now, and India is likely to benefit if the price
trajectory continues to move south. But the market shall witness one of the most significant risk, i.e., the event risk.

The general elections are due in May 2019, and in the short-term, it can create volatility as happened during key state elections during
the month. But, elections shall be a passing phase and with improving earning the markets shall continue to prosper.

We firmly believe that investors should come out of such short-term noise and focus on companies that have strong earnings potential
to navigate through time.

At this juncture let us share with you few funds that we believe could be the front-runner during 2019.
17
FRONT RUNNING MUTUAL FUND-
FUND-2019

18
TOP PERFORMING MUTUAL FUNDS

http://www.moneycontrol.com/mutual-funds/find-fund/find-top-
fund#result

19
A BIG THANK YOU..

20

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