SBI Magnum Multiplier Plus 1993

SBI Magnum Multiplier Plus 1993

Magnum Multiplier Plus is being managed by Jayesh Shroff since in 2006.This fund has been an average performer. If you have invested in this fund, keep a close watch on where performance is headed. But don't have more than 30% of your total investment in this fund. If you are a new investor you can skip this one for a better performing large cap fund.



Where does SBI Magnum Multiplier Plus 1993 invest your money?

SBI Magnum Multiplier Plus is a multi cap fund which invests your money across large, mid and small cap stocks of high growth companies. Magnum Multiplier Plus has 58.94% exposure to giant and large sized companies, 28.43% exposure to medium sized companies and 9.40% exposure in small sized companies. Large cap companies tend to be stable compared to mid cap and small cap companies. Small and mid sized companies have the potential to become large companies and when that happens you are expected to get bumper returns.

How much to invest?
Minimum one time investment is Rs 1000 and minimum SIP is Rs 500 per month. Do not make SBI Magnum Multiplier Plus 1993 as part of your core portfolio. Core portfolio is investments that are made for your basic goals and makes up about 70% of your investment portfolio. SBI Magnum Multiplier Plus 1993 can be part of your satellite portfolio. Do not make the mistake of investing in too many mutual fund schemes. At any point of time do not have more than two mutual fund schemes in your core portfolio.

How has SBI Magnum Multiplier Plus 1993 performed in the past?

If you had invested Rs 1 lakh when the fund was launched in Feb 1993 the value of your investments would be around Rs 6.5 lakhs. If you had invested Rs 1 lakh five years back it would have become Rs 1.29 lakhs. The performance has been not better than other diversified mutual funds. The fund has been giving at around 5.30% every year for those who stayed invested for last 5 years.

Assume you had invested Rs 10,000 every month in SBI Magnum Multiplier Plus 1993 through SIP for the past 5 years today you would have around Rs 7.76 lakhs.


Suitable for what?
Creation of wealth
Lifestyle needs

Not suitable for what? 

Child's education
Child's marriage
Planning for retirement
Home Purchase
Short term needs


How will SBI Magnum Multiplier Plus 1993 perform in the future?

Needless to say no one can predict the future of markets. We have firm belief in the future prospects of the Indian economy. If the Indian economy grows at 9% then the leading companies tend to do well. When the companies do well their stock prices follows their performance. So if you expect the economy to grow at 8% then you can expect top performing mutual funds to give you returns in excess of 14%.

Mutual fund schemes that have exposure to mid sized companies tend to show results when their bet on few companies comes true. We advise you to avoid too much of star gazing and future prediction. Be reminded that equities are one of the asset classes that have the potential to beat inflation. Your aim for core portfolio should be to beat inflation.


When to review the performance?
Once you invest in the fund do not get into the habit of checking the NAV daily or monthly. Review the performance once a year. Too much attention is not good.

What charges apply?

A onetime fee of Rs 100 is charged on investments over Rs 10, 000 made through distributors. If you are a first time investor in mutual funds an additional Rs 50 is charged to cover KYC expenses. This is deducted from your investment and can be skipped if you buy directly from the mutual fund via their website or offices.

If units are sold within a year an exit load of 1% is deducted from your total returns. No exit load applies for units withdrawn post one year. Expense ratio of SBI Magnum Multiplier Plus 1993 Fund is 2.02%. This is charged to recover the fund management company’s expenses on securities’ transactions, commissions, registrar fees, etc. Your mutual fund returns will be total returns less expense ratio.


When to exit?

Withdraw when your goals are closer to achievement. Do not remove the money when the markets go up or down. Do not panic. Stick to your goals.

What are the tax implications?

The returns in a mutual fund are absolutely tax free, provided you did not withdraw within 1 year. Magnum Multiplier Plus does not qualify for sec 80C ELSS benefits.

UTI MNC Fund


UTI MNC Fund
UTI MNC Fund is a theme fund. This fund is being managed by an expert manager Swati Kulkarni. Swati has an exemplary track record. The fund has constantly managed to limit its fall in a downturn performance. It has also given outperformed its peers by a wide margin in many periods. This is a good fund to hold on to for the long term.

Where does UTI MNC Fund invest your money?

UTI MNC Fund is a small or mid cap theme fund which means most of your money will be invested in stocks of medium sized companies belonging to sectors such as FMCG, pharmaceutical, engineering, etc. About 50% of the fund’s money is allocated to stocks of mid sized companies, 12% to stocks of small sized companies and 38% to stocks of large companies. Mid sized stocks can give kicker returns as they turn into large stocks but this happens not so frequently.

How much to invest?
Minimum one time investment is Rs 5000 and minimum SIP is Rs 500 per month. Do not make UTI MNC Fund as part of your core portfolio. Core portfolio is investments that are made for your basic goals and makes up about 70% of your investment portfolio. UTI MNC Fund can be part of your satellite portfolio. Do not make the mistake of investing in too many mutual fund schemes. At any point of time do not have more than two mutual fund schemes in your core portfolio.


How has UTI MNC Fund performed in the past? 

If you had invested Rs 1 lakh when the fund was launched at May 1998, your value of investments would be around Rs 7.25 lakhs. If you had invested Rs 1 lakh five years back it would have become Rs 1.97 lakhs. The performance has been better than other mid cap mutual funds. The fund has been giving at around 14.5% every year for those who stayed invested for last 5 years.

Assume you had invested Rs 10,000 every month in UTI MNC Fund through SIP for the past 5 years today you would have around Rs 9.41 lakhs.





Suitable for what?
• Creating wealth
• Lifestyle needs

Not suitable for what?

• Child's education
• Child's marriage
• Planning for retirement
• Home Purchase
• Short term needs



How will UTI MNC Fund perform in the future?

Needless to say no one can predict the future of markets. We have firm belief in the future prospects of the Indian economy. If the Indian economy grows at 9% then the leading companies tend to do well. When the companies do well their stock prices follows their performance. So if you expect the economy to grow at 8% then you can expect top performing mutual funds to give you returns in excess of 14%.

Mutual fund schemes that have exposure to mid sized companies tend to show results when their bet on few companies comes true. We advise you to avoid too much of star gazing and future prediction. Be reminded that equities are one of the asset classes that have the potential to beat inflation. Your aim for core portfolio should be to beat inflation.


When to review? 

Once you invest in the fund do not get into the habit of checking the NAV daily or monthly. Review the performance once a year. Too much attention is not good.

What charges apply?

A onetime fee of Rs 100 is charged on investments over Rs 10, 000 made through distributors. If you are a first time investor in mutual funds an additional Rs 50 is charged to cover KYC expenses. This is deducted from your investment and can be skipped if you buy directly from the mutual fund via their website or offices.

If units are sold within a year an exit load of 1% is deducted from your total returns. No exit load applies for units withdrawn post one year. Expense ratio of UTI MNC Fund is 1.50%. This is charged to recover the fund management company’s expenses on securities’ transactions, commissions, registrar fees, etc. Your mutual fund returns will be total returns less expense ratio.


When to enter?

Now! There is no good time to invest rather than now. Do not try to time the market and especially so if it is an SIP. Do not follow news channel and other experts to know the right time to invest. In the long run it does not matter. Mutual fund is unlike a stock where you are looking at the right price. This job will be done by the mutual fund scheme manager. If you have planned your investments and decided on the amount you want to invest do not think further, just go ahead.

When to exit?

Withdraw when your goals are close to achievement. Do not remove the money when the markets go up or down. Do not panic. Stick to your goals.

What are the tax implications?

The returns in an equity mutual fund are absolutely tax free, provided you do not withdraw within 1 year. UTI MNC Fund does not qualify for sec 80C ELSS benefits.

LIC Amulya Jeevan 1 Plan


LIC Amulya Jeevan 1 Plan

LIC Amulya Jeevan is a pure term insurance policy for high sum assured which is primarily for protection only. In this plan, if the Life Insured dies, the nominee will get the entire Sum assured but nothing is payable on maturity. This product is only for high sum assured requirements.

Key Features of LIC Amulya Jeevan 1

• Low cost risk plan for high sum assured
• Large sum assured rebate that is provided for single premium policies.
• High tenure of 35 years available

Benefits you get from LIC Amulya Jeevan 1

Death Benefit – The entire Sum Assured is paid to the nominee on death of Life Insured during the policy tenure.

Maturity Benefit – There is no benefit is payable on maturity as this is a pure protection plan.


Income Tax Benefit - Life insurance premiums paid up to Rs.1,00,000 are allowed as a deduction from the taxable income each year under section 80C. Maturity benefits too are tax exempt as per Section 10(10D).


Eligibility conditions and other restrictions in LIC Amulya Jeevan 1 Policy


Minimum

Maximum
Sum Assured (in Rs.)
25,00,000
No Limit
Policy Term (in years)
5
35
Premium Payment Term (in years)
Single
Equal to policy term
Entry Age of Policyholder (in years)
18
60
Age at Maturity (in years)
-
70
Payment modes
Yearly & Half-Yearly and Single

Additional Features and Benefits of LIC Amulya Jeevan 1

Riders – No riders are available in this policy

What happens if?

You stop paying the premium - If the policy holder stops paying the life insurance premium, then all benefits of the policy will cease after the expiry of the grace period from the due date of the first unpaid premium. You can re-instate the policy within 5 years from the date of first unpaid premium by submitting the relevant proofs and payment of premium and interest.

You want to surrender the policy – Surrender benefits are not available under this term plan.


You want a loan against your policy – There is no loan facility under this policy.