We are sharing Top 5 Mutual Funds where we do our SIPs. We handpicked these after thorough research and many have an SIP limit of as low as 100rs-500rs.
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Let’s go⚡️
1.Kotak Equity Opportunities Fund [20%]
⚡️Fund is well-diversified as compared to its peers.
⚡️The companies have minimal debt, good ROCE.
⚡️Fund’s PE: 25.77 shows that fund manager isn’t buying overvalued stocks much.
Fund’s Returns in 5 Years: 16.38% ⚡️Beating Benchmarks.
Holding Bias !
⚡️41% in BLUE CHIP
⚡️22% in LARGECAP
⚡️34% in MIDCAP
⚡️3% in SMALLCAP
Fund’s expense ratio is 0.64%, which is low compared to other funds in the same category.
Fund Manager :
Mr.Harsha Upadhyaya has been managing this scheme since 2021 August. Has 23 years of experience in Equity Research. A reputed manager known for his complex stock picking and investing in companies with good management & generating consistent Cash Flows.
2.Parag Parikh Flexi-Cap [30%] [Fav]
⚡️Buys Quality Stocks at Cheap Prices
⚡️Invests in International Stocks too.
⚡️Sits on Cash if sees Market Overvalued.
⚡️PE: 26.12 shows that fund manager isn’t buying overvalued stocks much.
⚡️IEX at 192 was their Pick in 2020. Fund’s Return in 5 Years: 21.52% has beaten the benchmark by a wide margin [15.16%].
Holding Bias!
⚡️65.51% Indian Equities
⚡️29.65% Foreign Equities
⚡️4.5% Cash
⚡️Holds FAANG stocks.
This fund is our favourite. Google about their holdings and their investment psychology.
Fund Manager:
Mr. Rajeev Thakkar the MVP with over 20 years of experience, he is known for his patient & focused approach. He is a big Warren Buffett & Charlie Munger fanboy. No wonder his fund house has beaten many of its peers.
Watch Mr.Parag Parikh’s past YT videos. Gems!
Note: The Fund has temporarily stopped taking new SIPs, but it’s a matter of weeks before it resumes, as the stoppage is because of SEBI’s margin of 1$ Billion investment limit in foreign stocks hit.
3.Axis Small Cap Fund [10%]
⚡️ Highly Diversified has 56 Stocks.
⚡️Stocks having Good Balance Sheet are favoured.
⚡️Businesses with an edge are favoured more.
⚡️Quite more focused compared to its peers.
Funds Returns in 5 Years: 28.06%.
Funds Returns in 3 Years : 84.99% 😳
Fun Fact: In the 2018-19 MidCap-Small Cap Crash this was the only fund that managed to deliver positive returns. So the fund manager clearly knows what he is doing.
Holding Bias!
⚡️44% MIDCAP
⚡️56% SMALLCAP
Fund Manager:
Mr Anupam Tiwari has been managing Axis small-cap fund since 2016. This man knows what he is doing and the fund’s performance shows it. Lowest Expense Ratio of 0.42% compared to its peers.
[Also Read : Our Research Reports Performance ]
4.Mirae Asset Tax Saver Plan [20%] [ELSS]
⚡️Diversified Portfolio of Strong Companies at decent Valuations.
⚡️Better Sharpe ratio of 0.79 vs category average of 0.54 [Google it Sharpe Raio]
⚡️Low risk companies are picked that have some type of MOAT.
Funds Returns 5 Yr: 22.12%
Holding Bias!
⚡️72% LARGE CAP
⚡️22% MID CAP
⚡️6% SMALL CAP
Technology, FMCG, Chemicals & Financial seem to be the sector of choice for this fund for low risk but consistent returns.
Fund Manager:
Mr. Neelesh Surana is the CIO at this fund. He has a total of 24 years of experience in equity research and PMS. He is one of industry’s top fund managers, as his other funds have beaten benchmarks fair & square. Good Reputable Fund House of the world. Google Him!
5.NIFTYBEES & MON100 [10% + 10%]
These 2 ETFs are like a no-brainer to add to your Portfolio as we all know India still has a long way to grow more hence NIFTYBEES does nothing but invest in the top 50 companies that comprise of Nifty 50 index.
MON100 on the other hand invests in the top foreign tech companies listed on the NASDAQ. Considering the recent Sell-off that we saw in the tech companies, this becomes an attractive bet now to start your SIP in. Big Question How much to allocate now to each Fund. It’s Simple if you have decided to do an SIP of 10,000rs per month. Here is how you will divide it.
Fund 1:2000Rs.
Fund 2:3000 Rs.
Fund 3:1000 Rs.
Fund 4:2000 Rs.
NiftyBees : 1000 Rs.
MON100 : 1000 Rs.
We have said in the past in the year 2022, we don’t expect returns like 2021,2020. We expect correction in the market. So it becomes a good year to start investing. Start doing your SIP, some of these funds have an SIP limit of as low as 500rs per month as well.
Disclaimer: We are not SEBI registered Analysts yet, these are some funds that we personally invest in every month hence thought of sharing with you guys. The best day when it comes to starting SIP is always TODAY! Choose these Top 5 Mutual Funds!
Working Professionals you mostly get raises every year so your SIP should also increase every year will share a screenshot of how increasing your SIP every year can generate whopping returns over a period of time.
10,000Rs. Per month for 10 Years at 12% Returns vs 10,000Rs. per month for 10 years at 12% with an increase of 1000rs. per year difference!
Note : Stay Invested in these Top 5 Mutual Funds for at least 5+ years!
I have taken a very conservative Number of 12%. Our Index has grown at 15% CAGR in the last 20 years.
Thanks ♥️
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