SIP Returns Update of 2 Funds over 2 Years

@kukdookoo

Ramta_Jogi wrote:

@kukdookoo

all sip's? no lumpsums?

Any nifty 50 index mf can give you more than 12% with nominal expense ratio. If I’m not wrong in last three year this is approx 17%+ return with nifty 50 index mf.

Than why waste time and money with so expensive mf? Sometime simple one is great  😁😁😁

mv3qu66Da wrote:

Any nifty 50 index mf can give you more than 12% with nominal expense ratio. If I’m not wrong in last three year this is approx 17%+ return with nifty 50 index mf.

Just assessing mutual fund industry for all practical purposes instead of going on theory.

20 Funds for SIP - 1.5 lakh monthly SIP amount. Spread across different benchmarks, sectors and regions.

The returns you are talking of are absolute returns on lump-sum investment. In that category, my ELSS funds stand at around 50% gains, beating Nifty returns by a wide margin. 

Read topic - it specifically mentions "SIP returns". Not all those who wander (or wonder) are lost.

kukdookoo wrote:
all sip's? no lumpsums?

Lumpsums in ELSS only. Gains of 35% from Feb 2020, gain of 50% & 100% from Nov 2020. Lumpsums won't help in determining the monthly accumulation mode.

Most ELSS would give you CAGR of 15% over 3-4 year period.

Ramta_Jogi wrote:
Just assessing mutual fund industry for all practical purposes instead of going on theory.

20 Funds for SIP - 1.5 lakh monthly SIP amount. Spread across different benchmarks, sectors and regions.

The returns you are talking of are absolute returns on lump-sum investment. In that category, my ELSS funds stand at around 50% gains, beating Nifty returns by a wide margin. 

Read topic - it specifically mentions "SIP returns". Not all those who wander (or wonder) are lost.

Have checked the SIP return for nifty 50 index and that is 17.25% in last three year. And I think it’s better than your all 20 funds combined. You are making investments complex for yourself.

I also have have one stock which has gone 80x in last two year where my initial investment is only 35rs which is now 2800rs. In percentage this approx 8000% return. I’m not here to proff I’m better than you, when I know you are doing great and can do much better and better than me. Keep sining and best of luck.

mv3qu66Da wrote:

Have checked the SIP return for nifty 50 index and that is 17.25% in last three year. And I think it’s better than your all 20 funds combined. You are making investments complex for yourself.

I also have have one stock which has gone 80x in last two year where my initial investment is only 35rs which is now 2800rs. In percentage this approx 8000% return. I’m not here to proff I’m better than you, when I know you are doing great and can do much better and better than me. Keep sining and best of luck.

If you want to help. Give me your real returns on your portfolio or investments of SIP (not lumpsum); not "checking" past returns.

Ramta_Jogi wrote:

If you want to help. Give me your real returns on your portfolio or investments of SIP (not lumpsum); not "checking" past returns.

Start with this book, when you are going to do anything with money start with book reading. Don’t follow me, or anyone’s and keep away from tv , WhatsApp and YouTube for investing ideas😁😁.

The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns https://amzn.eu/d/i...bi

mv3qu66Da wrote:

Start with this book, when you are going to do anything with money start with book reading. Don’t follow me, or anyone’s and keep away from tv , WhatsApp and YouTube for investing ideas😁😁.

The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns https://amzn.eu/d/i...bi

Let me save your 1000/- for that book. The book only proff the point as “if you have 15+ year investment horizon, index fund is best, period”.

mv3qu66Da wrote:

Let me save your 1000/- for that book. The book only proff the point as “if you have 15+ year investment horizon, index fund is best, period”.

Wish this forum had a mute/ignore button for  people like you.

We will talk after 15 years about which fund is giving me best returns. Period.

I have been doing a lot of research on MF and finally convinced on Index nift50 fund - this is least risk, less expense and volatilatiy is low. I think one can expect 12% bare minimum annual grwoth.

I have also curios about active funds but lot of youtubers have created fear about active funds to stay away because of volatility

keshav1988696 wrote:

I have been doing a lot of research on MF and finally convinced on Index nift50 fund - this is least risk, less expense and volatilatiy is low. I think one can expect 12% bare minimum annual grwoth.

I have also curios about active funds but lot of youtubers have created fear about active funds to stay away because of volatility

I will keep updating the returns every month or two for the funds that have been running for more than 2 years. 

For the 2 years gone by though... The point of entry of SIPs matter! More so for thematic funds 

One thing which nearly all people seem to miss while calculating the returns -> just like SIP averages out the entry points, one needs to average out the exit point too using SWP... The time at which you exit matters, else it's just another lumpsum in reverse mode.

For example: A monthly SIP that started from 03-04-2010 in a Nifty50 Index, would have yielded a mere 3.1% XIRR when exited on 03-04-2020, which is whole 10 year period

BlueFlash wrote:
For example: A monthly SIP that started from 03-04-2010 in a Nifty50 Index, would have yielded a mere 3.1% XIRR when exited on 03-04-2020, which is whole 10 year period

Not only that - The other day i was having a conversation with @guest_999 -

This guy, who now owns and runs a highly successful site with many followers, is very much against SIPs.

His total investment return from 2008 leading to crash of 2020, on to July 2020.. was a meager 2.75% (XIRR)! Less than even a regular SBI saving account. All hail FD/RD.

mv3qu66Da wrote:

Start with this book, when you are going to do anything with money start with book reading. Don’t follow me, or anyone’s and keep away from tv , WhatsApp and YouTube for investing ideas😁😁.

The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns https://amzn.eu/d/i...bi

Even Nobel winners in Economics have failed in many real world situations not acting as per their theories so relying on anything in economics/markets as "gospel" is a folly. You should sit with a calculator & calculate the returns of SIPs started in Indian share mkt just before 2008 financial meltdown & all exited just before corona lockdown & you will see. There is always a 15-20 year period which can give good returns in an index fund but same way there is also a bad period which can give poor return & when you are investing so much time in something then you do need to consider it because it is not like you can always wait for a few more years to wait for the good returns to come back when already at old/retirement age.

keshav1988696 wrote:
volatilatiy is low. I think one can expect 12% bare minimum annual

To which benchmark are you comparing low volatility of nifty 50?

And what time frame do you think 12% returns is there for nifty? Definitely not annual over any given period of 1 year. 

guest_999 wrote:
Even Nobel winners in Economics have failed in many real world situations not acting as per their theories so relying on anything in economics/markets as "gospel" is a folly. You should sit with a calculator & calculate the returns of SIPs started in Indian share mkt just before 2008 financial meltdown & all exited just before corona lockdown & you will see. There is always a 15-20 year period which can give good returns in an index fund but same way there is also a bad period which can give poor return & when you are investing so much time in something then you do need to consider it because it is not like you can always wait for a few more years to wait for the good returns to come back when already at old/retirement age.

Totally agree with you.

Nowadays majority of Mf only start after 2009 and show good return 😁😁😁. And we know, we have bull run from 2009 which is still ongoing, and that why any garbage stock is also performing. My only suggestion to everyone, “if you believe in India story, than better invest in index fund only, why to waste money in fundmanager greed and expense ratio.” We know who we are and our greed😉😉.

mv3qu66Da wrote:

Totally agree with you.

Nowadays majority of Mf only start after 2009 and show good return 😁😁😁. And we know, we have bull run from 2009 which is still ongoing, and that why any garbage stock is also performing. My only suggestion to everyone, “if you believe in India story, than better invest in index fund only, why to waste money in fundmanager greed and expense ratio.” We know who we are and our greed😉😉.

Because that expense ratio doesn't matter when the index is stagnant over 2/3 years period of time and yet your active fund is slowly and steadily climbing up. Check 2017-2019 for India. 

Even the now battered Axis Bluechip Fund managed to contain the downturn in March 2020 downturn by falling 31 percent compared to 36 percent of Nifty index... And then started turning positive over next 7 months. Fell the least of all active and passive funds not only in this last crash of March 2020 but in all crashes before it. 

Just a matter of personal choice after research i guess.

As i have zero knowledge in stock market, mutual funds and sip’s can someone tell me if i start investing 5k a month for 30 years than after 30 years what amount will i get?? Also what’s best way of investing??

rahulsoni0706846 wrote:
As i have zero knowledge in stock market, mutual funds and sip’s can someone tell me if i start investing 5k a month for 30 years than after 30 years what amount will i get?? Also what’s best way of investing??

There is no fixed return that you will get. 

The Indian stock market is too young to get a historical return of 30 years though with 20 years as base, one would hope you'd get 10-12 percent returns over that period of time and not on an annual basis; depending on what index/benchmark you invest in. 

Ramta_Jogi wrote:

Because that expense ratio doesn't matter when the index is stagnant over 2/3 years period of time and yet your active fund is slowly and steadily climbing up. Check 2017-2019 for India. 

Even the now battered Axis Bluechip Fund managed to contain the downturn in March 2020 downturn by falling 31 percent compared to 36 percent of Nifty index... And then started turning positive over next 7 months. Fell the least of all active and passive funds not only in this last crash of March 2020 but in all crashes before it. 

Just a matter of personal choice after research i guess.

You should look into smallcase if you really like the idea of thematic investments. I can share the few of the strategies the momentum and smallcap strategies that I've subscribed to

noobDealer wrote:
You should look into smallcase if you really like the idea of thematic investments. I can share the few of the strategies the momentum and smallcap strategies that I've subscribed to

Thank you but not interested in small cases. I have about 5 thematic funds as of now. Might add 2 more by Dec 

I have a different portfolio of stocks. 

These MF I am only having to get a real idea of returns over medium and long term of 7 years plus. 

My tech funds SIP, started in Dec 2020, are back to neutral Returns after hitting 20 percent profit by Nov 21. China funds are at negative 30 percent (yay!). 

Only, and surprisingly, Brazil fund has held up! 

Ramta_Jogi wrote:

Thank you but not interested in small cases. I have about 5 thematic funds as of now. Might add 2 more by Dec 

I have a different portfolio of stocks. 

These MF I am only having to get a real idea of returns over medium and long term of 7 years plus. 

My tech funds SIP, started in Dec 2020, are back to neutral Returns after hitting 20 percent profit by Nov 21. China funds are at negative 30 percent (yay!). 

Only, and surprisingly, Brazil fund has held up! 

What Mf you are using for China and Brazil 

noobDealer wrote:
You should look into smallcase if you really like the idea of thematic investments. I can share the few of the strategies the momentum and smallcap strategies that I've subscribed to

Small case is one of the worst investment one can think of 

1st they only show you historically good returns folio whereby removing the ones which has failed 
Next they charge you a  hefty subscription fee (Some minute are free)
Third with each re balance you are paying Dp charge ,  STT etc  plus ST/LT tax . If not with discount broker add brokerage too 

EkdamSastaRaju wrote:
What Mf you are using for China and Brazil 

Mirae Hang Sang Tech; and

Edelweiss Greater china.

HSBC Brazil (not recommended) 

I'd love to shift to axis greater china but that's still not open again. 

Great discussion and insight.

Weekly SIP - UTI Nifty 50 Index Fund

Started on 8th Sept., 2020

Returns - 12.56%

Ramta_Jogi wrote:

Mirae Hang Sang Tech; and

Edelweiss Greater china.

HSBC Brazil (not recommended) 

I'd love to shift to axis greater china but that's still not open again. 

Was thinking of Ed Greater china but the returns were too low plus high exp ratio 

xuseronline wrote:
Started on 8th Sept., 2022

Can't be. Since past 1 month/ or 1 year, Nifty has given negative returns.Check your date.