Latest news with #ParagParikhFlexiCapFund
Time of India
2 days ago
- Business
- Time of India
Explained: Are you a DIY (Direct) mutual fund investor? Avoid making these mistakes
Investing through direct mutual fund plans—bypassing advisors and intermediaries—appeals to many investors for its lower costs and greater control. However, common missteps can derail this DIY approach and impact long-term returns. Independence Day 2025 Modi signals new push for tech independence with local chips Before Trump, British used tariffs to kill Indian textile Bank of Azad Hind: When Netaji Subhas Chandra Bose gave India its own currency According to some mutual fund advisors, many DIY investors are concerned about the poor performance of their investments and taking wrong investment decisions in their eagerness to salvage their investments. Also Read | Parag Parikh Flexi Cap Fund and Bandhan Small Cap Fund among 8 mutual funds which received over Rs 1,000 crore inflow in July Best MF to invest Looking for the best mutual funds to invest? Here are our recommendations. View Details » by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Would you like to know more? Undo If you are one of those 'direct' investors, here are some pointers for you. Don't rush your decisions. Every financial choice comes with a cost. Many new investors, in their rush to exit a scheme, overlook charges like exit loads and capital gains tax—realising the impact only after the decision is made. It's important to remember that redeeming your investment too early can invite taxes and penalties. For instance, some funds may also levy an exit load if you sell before the specified holding period. Being aware of these costs can help you avoid unpleasant surprises and make more informed investment decisions. Live Events Relying too much on forums and free advice It doesn't matter whether you began investing in mutual funds after thorough research or simply took the plunge. What matters now is that, as an investor, you continue to build and refine your understanding of mutual funds. Relying solely on generic advice from friends or online forums can often mislead you, especially when such guidance ignores your risk appetite, investment horizon, and financial goals. That's why it's in your best interest to stay reasonably well-informed. A sound knowledge base will not only help you avoid costly mistakes but also strengthen your journey of wealth creation through mutual funds. Clashing expert opinions can confuse Many DIY investors often post the same query across multiple forums or seek advice from several 'experts.' These experts could be fellow investors, active advisors, or even those running the forums themselves. Sometimes the guidance overlaps, but often it differs. One should always remember that they don't need consensus from every expert before making a decision. Each advisor will interpret your situation differently. Instead of chasing uniformity, pick one trusted source—be it a friend, colleague, forum, or online advisor—and avoid overcomplicating things. Diverse opinions are natural, but they shouldn't cost you your peace of mind. Also Read | Top 5 mid cap mutual funds to invest in August 2025 Educate yourself Hiring an advisor to manage your investments doesn't mean you should stop learning about mutual funds yourself. Many investors often share stories of being misled by unscrupulous advisors. To protect your interests, it's important to stay updated, track your portfolio, and keep enhancing your knowledge. This not only helps you safeguard your investments but also maximises your wealth-building potential. Even seasoned investors never get complacent—they continue learning to sharpen their skills and improve their mutual fund strategies. Hire a professional You may not like to hearthis, but it's important advice. If managing everything on your own feels overwhelming, consider hiring an experienced mutual fund advisor to guide you. Ask trusted friends or colleagues for recommendations and choose someone reliable. With the right advisor by your side, you won't need to stress about your investments every time markets face a rough patch. A thoughtful DIY strategy, driven by discipline and clarity and based on your risk appetite, investment horizon, and goals, can be just as effective and rewarding as managed investing. ( Disclaimer : Recommendations, suggestions, views, and opinions given by experts are their own. These do not represent the views of the Economic Times)
Time of India
10-08-2025
- Business
- Time of India
How to choose a mutual fund: A beginner's simple step-by-step guide
Investing in mutual funds can be one of the most effective ways to grow your wealth over time, especially if you are new to investing and seeking a simple, disciplined approach. However, the sheer number of options available can feel overwhelming for first-time investors. From equity to debt, and index to thematic funds, the choices are vast. By breaking the process into a few simple steps, you can identify the right mutual fund that aligns with your goals, risk profile , and investment horizon. Define your financial goals The first step in choosing a mutual fund is to clearly define your investment objective. Decide whether you are saving for a short-term need like a vacation or a car, or a long-term goal such as retirement or a child's education. Your goals will guide the type of fund you should choose. Equity funds are generally suited for long-term wealth creation, while debt funds are better for short-term stability and liquidity. Hybrid or balanced funds can work well for medium-term goals. Productivity Tool Zero to Hero in Microsoft Excel: Complete Excel guide By Metla Sudha Sekhar View Program Finance Introduction to Technical Analysis & Candlestick Theory By Dinesh Nagpal View Program Finance Financial Literacy i e Lets Crack the Billionaire Code By CA Rahul Gupta View Program Digital Marketing Digital Marketing Masterclass by Neil Patel By Neil Patel View Program Finance Technical Analysis Demystified- A Complete Guide to Trading By Kunal Patel View Program Productivity Tool Excel Essentials to Expert: Your Complete Guide By Study at home View Program Artificial Intelligence AI For Business Professionals Batch 2 By Ansh Mehra View Program Also Read | Parag Parikh Flexi Cap Fund increases stake in ITC and 11 other stocks in July Best MF to invest Looking for the best mutual funds to invest? Here are our recommendations. View Details » by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Discover the AI writing partner that understands your audience. Grammarly Install Now Undo Assess your risk tolerance Every investor has a different capacity and willingness to take risks. Understanding your own risk tolerance will help you avoid the stress caused by market volatility. If you are comfortable with fluctuations in pursuit of higher returns, equity-oriented funds might be suitable. If you prefer stability and predictable returns, debt funds or conservative hybrid funds may be a better fit. Keep in mind that your risk tolerance can change over time as your income, responsibilities, and goals evolve. Choose the right fund category Once your goals and risk tolerance are clear, select the mutual fund category that fits best. Broadly, mutual funds are classified into: Live Events Equity funds: Invest in stocks for long-term growth Debt funds: Invest in bonds and money market instruments for stability Hybrid funds: Mix of equity and debt for balanced risk and return Index funds/ETFs: Passive funds that track a market index As a beginner, starting with well-diversified large-cap or index funds can help you get comfortable with equity investing without taking on excessive risk. Evaluate fund performance and consistency Review the fund's performance over multiple time horizons—1 year, 3 years, 5 years, and since inception. While past performance doesn't guarantee future returns, consistent results across market cycles may indicate strong fund management. Compare returns against peers, benchmarks, and category averages to gauge superiority. Check the fund manager's track record A fund manager's experience, style, and decision-making can greatly impact performance. Research their history with the current fund and other funds managed. Skilled, consistent managers often contribute to a fund's stability and success over time. Review costs and other details Mutual funds charge an expense ratio , the annual fee for managing your investment. For beginners, lower-cost options like direct plans of index funds or ETFs are appealing. Also, check the exit load, the fee charged if you redeem your investment within a specified period. Although costs shouldn't be the only consideration, they do affect long-term returns. Also Read | Quant Small Cap Fund hikes stake in Jio Financial Services in July Start small and monitor regularly Begin with an amount you are comfortable investing and monitor your fund's performance regularly—every six months or annually. Avoid reacting to short-term market fluctuations. If the fund continues to meet your goals and performs within expectations, stay invested. However, if it consistently underperforms compared to peers and benchmarks, consider discussing alternatives with your advisor. Choosing the right mutual fund is less about finding the 'perfect' fund and more about selecting one that aligns with your goals, risk appetite, and investment horizon. For first-time investors, starting simple, with a well-diversified equity or balanced fund, and investing through a systematic investment plan (SIP) can make the journey smoother. As your knowledge and confidence grow, you can explore more specialized funds and strategies. The key is to stay disciplined, review periodically, and let compounding work in your favor.
Time of India
09-08-2025
- Business
- Time of India
Parag Parikh Flexi Cap Fund increases stake in ITC and 11 other stocks in July
Parag Parikh Flexi Cap Fund , the largest active fund and flexi cap fund, increased its stake in ITC and 11 other stocks in the month of July. The fund added around 47.50 lakh shares of ITC taking the total number of shares to 12.21 crore in July against 11.74 crore in June. The other stocks added in the portfolio included Axis Bank , Bharti Airtel , Cipla , Dr. Reddy's Laboratories , EID Parry India , HCL Technologies , HDFC Bank , ICICI Bank , Kotak Mahindra Bank , Power Grid Corporation of India , Zydus Lifesciences . Productivity Tool Zero to Hero in Microsoft Excel: Complete Excel guide By Metla Sudha Sekhar View Program Finance Introduction to Technical Analysis & Candlestick Theory By Dinesh Nagpal View Program Finance Financial Literacy i e Lets Crack the Billionaire Code By CA Rahul Gupta View Program Digital Marketing Digital Marketing Masterclass by Neil Patel By Neil Patel View Program Finance Technical Analysis Demystified- A Complete Guide to Trading By Kunal Patel View Program Productivity Tool Excel Essentials to Expert: Your Complete Guide By Study at home View Program Artificial Intelligence AI For Business Professionals Batch 2 By Ansh Mehra View Program Also Read | Raksha Bandhan: Could a mutual fund SIP gift today secure your sibling's future? Best MF to invest Looking for the best mutual funds to invest? Here are our recommendations. View Details » by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like When the Camera Clicked at the Worst Possible Time Read More Undo It added around 65.70 lakh shares of Power Grid Corporation of India, followed by 31.16 lakh shares of ICICI Bank. The flexi cap fund reduced its stake from IPCA Laboratories and sold 7.45 lakh shares of this stock from the portfolio. Live Events Only one new stock was added in the portfolio in the said period. Motilal Oswal Financial Services was the new entrant in the portfolio and around 5.91 lakh shares were added to the portfolio. The fund did not make a complete exit from any stock in the mentioned time period. Exposure in nearly 15 stocks remained unchanged in July which includes Bajaj Holdings & Investment, Balkrishna Industries, CDSL , Coal India, Indian Energy Exchange, Infosys, Mahindra & Mahindra, MCX , Swaraj Engines, and Zydus Wellness. Parag Parikh Flexi Cap Fund is an open-ended dynamic Equity scheme investing across large cap, mid cap, small cap stocks. The investment objective of the fund is to seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. The scheme shall invest in Indian equities, foreign equities and related instruments and debt securities. Launched on May 24, 2013, the fund had an AUM of Rs 1.13 lakh crore as on July 31, 2025. The flexi cap fund is benchmarked against NIFTY 500 (TRI) and is managed by Rajeev Thakkar, Raunak Onkar, Raj Mehta, Rukun Tarachandani, and Mansi Kariya. Also Read | Over 50 mutual fund SIPs give negative returns in 1 year. Should you pause, redeem, or continue? According to the monthly release by the fund house, the core portfolio consists of equity investments made with a long term outlook and the factors considered while investing are quality of management, quality of the sector and the business (return on capital, entry barriers, capital intensity, use of debt, growth prospects etc) and the valuation of the companies. The endeavor of the fund management team is to identify opportunities for long term investments. 'We continue to look at individual investments on their own merits and will not hesitate to invest if an opportunity looks attractive. As usual, our investment stance does not depend much on the macro-economic situation but is focussed on individual companies. We have about 23.29% in cash holdings, debt & money market instruments and arbitrage positions which can be deployed in long term investments at appropriate levels,' the fund house said.
Economic Times
09-08-2025
- Business
- Economic Times
Parag Parikh Flexi Cap Fund increases stake in ITC and 11 other stocks in July
Parag Parikh Flexi Cap Fund strategically increased its holdings in ITC and eleven other stocks during July. Parag Parikh Flexi Cap Fund, the largest active fund and flexi cap fund, increased its stake in ITC and 11 other stocks in the month of July. The fund added around 47.50 lakh shares of ITC taking the total number of shares to 12.21 crore in July against 11.74 crore in June. The other stocks added in the portfolio included Axis Bank, Bharti Airtel, Cipla, Dr. Reddy's Laboratories, EID Parry India, HCL Technologies, HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Power Grid Corporation of India, Zydus Lifesciences. Also Read | Raksha Bandhan: Could a mutual fund SIP gift today secure your sibling's future? It added around 65.70 lakh shares of Power Grid Corporation of India, followed by 31.16 lakh shares of ICICI flexi cap fund reduced its stake from IPCA Laboratories and sold 7.45 lakh shares of this stock from the portfolio. Only one new stock was added in the portfolio in the said period. Motilal Oswal Financial Services was the new entrant in the portfolio and around 5.91 lakh shares were added to the portfolio. The fund did not make a complete exit from any stock in the mentioned time period. Exposure in nearly 15 stocks remained unchanged in July which includes Bajaj Holdings & Investment, Balkrishna Industries, CDSL, Coal India, Indian Energy Exchange, Infosys, Mahindra & Mahindra, MCX, Swaraj Engines, and Zydus Wellness. Parag Parikh Flexi Cap Fund is an open-ended dynamic Equity scheme investing across large cap, mid cap, small cap investment objective of the fund is to seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. The scheme shall invest in Indian equities, foreign equities and related instruments and debt securities. Launched on May 24, 2013, the fund had an AUM of Rs 1.13 lakh crore as on July 31, flexi cap fund is benchmarked against NIFTY 500 (TRI) and is managed by Rajeev Thakkar, Raunak Onkar, Raj Mehta, Rukun Tarachandani, and Mansi Kariya. Also Read | Over 50 mutual fund SIPs give negative returns in 1 year. Should you pause, redeem, or continue? According to the monthly release by the fund house, the core portfolio consists of equity investments made with a long term outlook and the factors considered while investing are quality of management, quality of the sector and the business (return on capital, entry barriers, capital intensity, use of debt, growth prospects etc) and the valuation of the companies. The endeavor of the fund management team is to identify opportunities for long term investments.'We continue to look at individual investments on their own merits and will not hesitate to invest if an opportunity looks attractive. As usual, our investment stance does not depend much on the macro-economic situation but is focussed on individual companies. We have about 23.29% in cash holdings, debt & money market instruments and arbitrage positions which can be deployed in long term investments at appropriate levels,' the fund house said.
Time of India
14-07-2025
- Business
- Time of India
Best flexi cap mutual funds to invest in July 2025
Many mutual fund investors, especially the new and inexperienced investors, are extremely concerned about the current volatility and uncertainties in the market. They don't know whether to bet on the large caps or mid cap or some others. Also, they wonder how they will know when to switch from one category to another when the market mood changes. Are you in the same boat? Here is an easy way out. You can consider investing in flexi cap mutual funds . Flexi cap mutual funds offer the fund managers the freedom to invest across market capitalisations and sectors/themes. It means the fund managers can invest anywhere based on his outlook on the market. Flexi cap schemes are typically recommended to moderate investors to create wealth over a long period of time. Ideally, one should invest in these schemes with an investment horizon of five to seven years. Also Read | Mutual fund NFOs: 3 new funds will open for subscription this week Best MF to invest Looking for the best mutual funds to invest? Here are our recommendations. View Details » As said earlier, these schemes have the freedom to invest anywhere depending on the view of the fund manager. For example, he or she might invest more in large cap stocks. Or in a bull market she might invest more in mid cap or small cap stocks. Investors should be extremely careful about this aspect. Investors should make sure that they are choosing a scheme that is in line with their risk appetite. For example, some flexi cap schemes may be more conservative than others. It is for you to identify the one that suits your temperament. If you are planning to invest in flexi cap funds, here are our recommendations. We will closely watch the performance of these schemes and update you about it every month. Live Events Aditya Birla Sun Life Flexi Cap Fund has been in the second quartile in the last four months. The scheme had been in the third quartile earlier. UTI Flexi Cap Fund has been in the fourth quartile for 26 months. Canara Robeco Flexi Cap Fund has been in the third quartile for 25 months. PGIM India Flexi Cap Fund has been in the fourth quartile for 17 months. HDFC Flexi Cap Fund has been in the first quartile in the last four months. Parag Parikh Flexi Cap Fund has been in the second quartile in the last two months. The scheme had been in the first quartile earlier. Best flexi cap schemes to invest in July 2025 Parag Parikh Flexi Cap Fund HDFC Flexi Cap Fund (new addition) UTI Flexi Cap Fund PGIM India Flexi Cap Fund Aditya Birla Sun Life Flexi Cap Fund SBI Flexi Cap Fund Canara Robeco Flexi Cap Fund Also Read | Groww introduces demat for mutual funds. What does it mean for investors? Here is our methodology: has employed the following parameters for shortlisting the equity mutual fund schemes. 1. Mean rolling returns: Rolled daily for the last three years. 2. Consistency in the last three years: Hurst Exponent, H is used for computing the consistency of a fund. The H exponent is a measure of randomness of NAV series of a fund. Funds with high H tend to exhibit low volatility compared to funds. The H exponent is a measure of randomness of NAV series of a fund. Funds with high H tend to exhibit low volatility compared to funds with low H. i) When H = 0.5, the series of returns is said to be a geometric Brownian time series. This type of time series is difficult to forecast. ii) When H is less than 0.5, the series is said to be mean reverting. iii) When H is greater than 0.5, the series is said to be persistent. The larger the value of H, the stronger is the trend of the series 3. Downside risk: We have considered only the negative returns given by the mutual fund scheme for this measure. X = Returns below zero Y = Sum of all squares of X Z = Y/number of days taken for computing the ratio Downside risk = Square root of Z 4. Outperformance: It is measured by Jensen's Alpha for the last three years. Jensen's Alpha shows the risk-adjusted return generated by a mutual fund scheme relative to the expected market return predicted by the Capital Asset Pricing Model (CAPM). Higher Alpha indicates that the portfolio performance has outstripped the returns predicted by the market. Average returns generated by the MF Scheme = [Risk Free Rate + Beta of the MF Scheme * {(Average return of the index - Risk Free Rate} 5. Asset size: For Equity funds, the threshold asset size is Rs 50 crore
