Wednesday, May 24, 2017

22 years track record - UTI Balanced Fund

 22 years track record - UTI Balanced Fund

The investor’s preference for different asset class keeps shifting based on market actions. Some time investors may be overexposed or underexposed to a particular asset class leaving the portfolio open to market’s unpredictability. Therefore it is important to balance it out to keep one’s portfolio well allocated among debt, equity and other asset classes.

This is where Balanced Funds come into the picture. Investors looking to strike a balance between safety and capital appreciation in the face of ever-changing debt / equity market scenarios would find this as an appropriate investment option. 

Fund’s Investment philosophy

Launched in 1995, UTI Balanced Fund is a key offering in balanced category. The fund maintains equity - debt allocation in the range of 40%-75% and 25% - 60% respectively. 

The fund aims regular income together with capital appreciation by following a disciplined and balanced approach to asset allocation. The fund is managed with an equity tilt and the entire alpha is generated out of equity portion. The debt is managed on a conservative basis and is invested mostly in long term corporate bonds. 

The fund manager avoids taking allocation calls between equity and debt unless there are very strong signals of equity underperforming by a wide margin. Historically, the equity is closer to the maximum level of 75% while in debt segment the fund focuses on corporate bonds of maturity of two to three year. 

On a tactical basis, the fund takes exposure in G-Sec to the extent of 20% to 30% of the debt portfolio in case of fund house’s view is bullish on G-secs. Currently, the fund has around 62% weight in large caps and balance in mid and small caps and would aim to maintain this weight. 

The fund would strive to derive alpha from the investments in mid and small caps. In terms of mid caps, the major sectors where the fund is invested are textiles, metals , media & ent.

Why UTI Balanced Fund
   22 years track record - The fund has withstood various market cycles over 22 years. It has outperformed its benchmark (Crisil Balanced Fund Index) on 1/3/5 year time periods. The fund has generated a return of 15.66% on (CAGR basis as on March 31, 2017) since its inception.

·        High quality portfolio mix - The fund’s portfolio consists of companies with good return potential, good return ratio and strong track of corporate governance. The debt segment focuses on AAA / AA+ rated securities with a focus on minimizing credit risk.

·        Tax Advantage - The fund having exposure in excess of 65% and above enjoys the tax advantage applicable to an equity scheme. The dividend distributed is tax free and there is no long term capital gains tax.

·        Dividend Distribution Track record - The fund maintains a good dividend distribution track record. The fund has declared regular dividend since 2003 (except 2013). In the last two Financial Years, the fund has declared eight quarterly dividends.

·        Funds Suitability

The fund is suitable for those who are looking to diversify their portfolio and build long term wealth. Investors looking for equity returns with a limited downside risk  will also find this appropriate.

Personal Loan Interest Rates

Personal Loan Interest Rates

As on  May 2017

Postal Savings Schemes

Postal Savings Schemes..
Post Office Savings
 As on May 2017

Know Your Mutual Fund Teachers..!

Know Your Mutual Fund Teachers


How to save for your daughter's future?

How to save for your daughter's future?

By Mr.  Surersh Sadagopan 
Ladder 7 Financial advisories

MF - Child Plans


Wealth Creation Wisdom The Big Money is not in the buying and selling - Charlie Munger

Wealth Creation Wisdom The Big Money is not in the buying and selling - Charlie Munger

The big money 

is not in the buying 

and the selling, 

but in the waiting” -  

Mr. Charlie Munger

Investing Mantra - Charlie Munger
 Investing Mantra's - Stock, 

India Property Mela Harrow 2017 24th & 25th June 2017

Greetings from Services For NRI Ltd!!

Find below Participation Invite to upcoming India Property Mela Harrow 2017 brought to you by Services For NRI Ltd.
This Festive Season showcase your properties to NRI’s/OCI’s at “India Property Mela Harrow 2017”.

Venue: Zoroastrian Centre, 440 Alexandra Ave, Harrow, HA2 9TL
Date: 24th & 25th June 2017
Time11:00 am – 7:00pm
Payment Deadline: 05th June 2017

Target Audience
The show aims to attract professionals of Indian origin from finance, technology, healthcare, media & communications sector. The event will showcase PAN-India properties.

Number of Participants
Floor plan will comprise of exclusive 15 stalls.

Participation Cost (Stall) -

Stall Price (GBP)
(INR) approx.

*Exchange rate considered - £1 = Rs 80. All prices are subject to change as per the exchange rate at the time of payment.

Past India Property Mela Video Links
Video Link
India Property Mela Reading 2016 Part 1
India Property Mela Reading 2016 Part 2
India Property Mela Harrow 2016 Part 1
India Property Mela Harrow 2016 Part 2
India Property Mela Reading 2017 Part 1
India Property Mela Reading 2017 Part 2

Look forward to your participation at the India Property Mela Harrow 2017.

Shail Shah
Description: NRI_Logo      
Ground Floor Office, Cervantes House, 5-9 Headstone Road,
Harrow, HA1 1PD
Tel: +44 203 355 8950 | Mobile:
 +44 7954 401 299

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Journey of Indian Share Market from 1979

Journey of Indian Share Market from 1979 

1979 - Sensex = 100

1981 - Sensex = 173

1983 - Indian Cricket Team winning World Cup. Sensex = 212

1984 - Indira Gandhi shot dead & Bhopal Gas tragedy Sensex = 245

1989 - Hung Parliament with Congress outside support. Sensex = 714

1991- Rajiv Gandhi assassination. Sensex = 1168

1992 - Indian Economy opening up. Dream budget* by MMS. Harshad Mehta Scam. Sensex = 4285

1993 - Blast in Mumbai. Also at BSE buidling. Riots all over. Sensex = 2281,

1996 - Indian stock market goes digital with NSE's new trading platform. Sensex = 3367

1999 - NDA coming to power with Atal Bihari Vajpayee as PM. Sensex = 3740

2000 - Technology boom. Sensex = 5001

2001 - Gujarat  earthquake. Sensex = 3640

2003 - Big bull run start in Dalal Street. Sensex = 3049

2004 - UPA coming to power with Left party support. Sensex = 5591

2006 - Sensex conquering = 10000

2007 - Sensex conquering = 20000

2008 - Sensex falling after touching high of 21200
Crude oil rising upto $ 147

2009 - Sub-prime crisis in USA bring financial instability worldwide. Sensex = 9568

2010 - Satyam scam, Common wealth scam, Telecom scam. Sensex = 17590

2013 - Young Raghu Ram Rajan appointed RBI governor. Sensex = 18835

2014 - BJP alone conquering 283 seats in Lok Sabha and NDA coming to power with 330 seats. Sensex = 2500
(March Closing Sensex quotes for all above )

04/03/2015 - Sensex = Life Time High 30025..! 

28/10/2016 - Sensex = 27958

28/12/2016 - Sensex = 26210

Sensex has Grown almost 300 times* in last 37 ¥ears...!

It is Clear that in all Adversity & Prosperity Sensex has Grown. 

Surely there have been Downside also

 But ,$ooner or later that downside have always been overcome

Share Investment - Good Verses Bad

Equity Investment  Good Verses  Bad

Power of Equity Market
In Right Decision

2004 = Shree Cement Rs 200

2010 = Shree Cement Rs 2000

2017 = Shree Cement Rs 20000

100 times in 13 years

Power of Share / Equity Market

In Wrong Decision

2007 = R com Rs. 800/-

2010=  R com Rs. 160/-

2014=  R com Rs. 80/-

2017=  R com Rs. 30/-

100% Gone in 10 years

Always see both sides of the coin

Tuesday, May 23, 2017

All India Association of Chit Funds welcomes the Goods and Services Tax (GST)

All India Association of Chit Funds welcomes the Goods and Services Tax (GST)

All India Association of Chit Funds welcomes the Goods and Services Tax (GST) which is one of the biggest taxation reforms to take place in India, as it will replace all indirect taxes levied on goods and services by the Government, both Central and States. 

Government’s effort to create a single, cooperative and undivided Indian market to make the economy stronger and powerful is highly laudable. 

Though it is indeed a very bold step on the part of the Government, our industry members have a mixed reaction to the levy of 12% on the chit funds. 

The good news is we are not bracketed with NBFCs and not included in the 18% slab. The bad news, however, is that we are not in the 5% slab which we are eligible for and expecting.

The announced rate of 12%, though with ITC, is not feasible to absorb for the chit companies in view of the 5% cap on remuneration. Neither can it be passed on to the subscribers as it would render the chit model cost-ineffective. This is on account of the fact that majority of the subscribers, especially in the lower and middle income households are savers.

The optimum rate of 5% alone would improve the compliance level of the Act and thus enhanced revenue to the State. We are sad that we will not be able to give our best to the financial inclusion cause on account of the higher slab.

The rates apart, the Narendra Modi Government with specific reference to the Finance Ministry, deserve all appreciation in finishing this massive exercise in a time bound manner.
The next challenge is the implementation of the legislation with simplified procedures and we look forward to hand-holding approach from the Government.

Mr. P. J. Krishnamurthy

Mr. T.S. Sivaramakrishnan
General Secretary

Mr. A. Chitrarasu
Organising Secretary

Mr.Mohinder Aggarwal

All India Association of Chit Funds,
Bansi House - 1/24, Asaf Ali Road,
New Delhi - 110 002.

For more information please contact:
Nikhil Mansukhani
Adfactors PR

9833552171 / 9820831932

சரக்குகள் மற்றும் சேவைகள் வரி - ஜிஎஸ்டி - அகில இந்திய சிட் ஃபண்ட்கள் சங்கம் வரவேற்பு

அகில இந்திய சிட் ஃபண்ட்கள் சங்கம், சரக்குகள் மற்றும் சேவைகள் வரிக்கு (ஜிஎஸ்டி) வரவேற்பு அகில இந்திய சிட் ஃபண்ட்கள் சங்கம் (All India Association of Chit Funds,,...

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