* Calculate how much you need to invest for your Kid’s Education, Mirae Asset Emerging Two mutual funds with even exactly the same stocks, may buy and sell them at different times and this will obviously result in different returns Kindly read my articles; I have also invested i HDFC Prudence. 3.SUNDARAM world brand fund Growth Also please explain how to interpret the diagrams in the website thefundoo.com. ELSS funds can be considered, but suggestion is to remain invested for atleast 5 years or so. FYI . 10.UTI pharma and Healthcare Dividend (Google Play Store), Install Freefincal Retirement Planner App! (Image courtesy of Stuart Miles at FreeDigitalPhotos.net) (Visit freefincal.com for more excel-based free Personal Finance Calculators), Sreekanth is the Man behind ReLakhs.com. Suggest you to identify your financial goals and map fin products as per your requirements. To use Instant X-Ray, enter stock or fund ticker symbols and specify an allocation for each investment holding You can find the portfolio details of a mutual fund scheme on respective Fund House website (or) on online portals like moneycontrol.com or valueresearchonline.com. The main input sheet where I have chosen PPFAS LTVF, Quantum Long term Equity and HDFC Balanced for comparison. May per month 5000ruppes ppf may 3000 and mutual funds may 2000 investment karna chatam 20years thak plz suggested me good mutual funds. You may consider : Franklin Tax shield & Birla Tax plan. 1 – Yes. Overlay and Implementation Solutions. Kindly share your views. i plan to build a corpus of 1c in 15 years and can invest 50000 pm.kindly suggest. Franklin India Smaller Companies Fund – Direct The login page will open in a new tab. So useful!! Hi Srikanth You can use this sheet to compare the portfolio of five equity mutual funds. Diversification ensures that if one sector had poor performance, or one stock within a sector struggled, your entire investment kitty doesn’t go down the drain. Kindly read: Best ELSS funds 2016. Mutual Fund Portfolio – Overlap Analysis Tool – This is another very popular excel-sheet based tool developed by Prof. Pattabiraman. my investment horizon is 10 years. Minimizing fund overlap also lowers market risk for investors. dr vidhi. At Novia we recognise that there is a strong and growing demand in the investment market for advisers to outsource the portfolio management process to specialist third party Discretionary Fund Managers. Notwithstanding some of the confusion around terminology, overlay strategies have become a mainstay of pension fund management. May i please kindly request you to suggest appropriate mutual funds for my above mentioned plans. Hi Sreekanth. But, will surely keep this in my mind and thank you for highlighting this point. Do you need to withdraw these investments 3 years from now? 77.5% % of QQQ's 102 holdings also in SPY. Tax saving is an added advantage of a fin product. All calculators from our book, “You can be Rich Too” are now available on Google Play! I do share contrary views if it is required. We do not work with professional content writers or marketing agencies. How to check the portfolio of stocks owned by your mutual fund? Now, i have decided to discontinue SIP from few MF’s . To add a mutual fund, go to moneycontrol.com and search for your fund. 1.HDFC mid cap opportunities fund Growth Will it affect my returns? Learn how to manage your portfolio regardless of market conditions! The real issue is the extreme case where you own several mutual funds in the same fund category, investing in the exact same stocks. Dear VIDHI, Read : Best ELSS funds. Following the initial lump sum i would like to do SIP of INR one lakh rupees/month again for a horizon of 10 years. Birla Sun Life Frontline Equity Fund-Start in Jan’17, Dear Swati, ICICI Prudential Focused Bluechip Equity Fund- Div ₹5000/- ETFdb’s proprietary mapping system will identify the “best fit” ETFs for mutual funds based on the underlying index. Dear Raj, Can u suggest some? Checking for Fund Overlap. . Things you must spend money on, even if you are a minimalist! pls suggest me . 5. Dear Varsha, Please suggest one which would be ideal for me or any suitable insurance plan which would cover me along with my family (wife & child). Is it good to invest in sip during bull/ bear? will go with few more. I am planning to invest money in mutual funds to save tax and get some benefit out of it .I am ready to take risk but not very high risk . Please post a calculated real returns of any top performing MF ,after taking in all the charges like entry load ,depository fee etc. analysis of Common stocks in mutual funds, find portfolio overlap among mutual fund schemes, common stocks, percent of portfolio that the comon stocks have in the schemes. Can you please suggest on how to proceed with it ? How to know common stocks owned by two or more funds? If you are convinced with its past performance, kindly invest in it. ICICI Prudential Bluechip Fund I kindly request you to help me to analyse my portfolio and suggest necessary changes like removal and addition of portfolios. Overlap … Fund Overlap: A situation resulting from owning several mutual funds or exchange-traded funds (ETFs) that hold positions in some of the same securities. and just recently I have actually started looking at my portfolio in more details. 15 lac accidental death employee group insurance coverage, both are company provided. Term plan Vs traditional plan. There is no rule of thumb, but let’s say if overlap is as high as 60%, there is no point in adding multiple funds to ones portfolio. HDFC Mid Cap Opportunities is just 1 year old so would like to give some time to grow. Dear Malik, As mentioned, the below funds are all large cap oriented ones. In some real story i hear like wipro or some good company where people made lot of money due to his luck or may b hard work of entrepreneur. I am a regular follower of your website. There are only so many viable stocks out there to invest in and there will always be certain funds of different types that invest in some of the same stocks. Kotak Multicap 2.How much of overlap is acceptable in the funds?? Say, if overlap is 80% then obviously it is a matter of concern. Download Result. 3.It is unlikely that any two funds will have no overlap. Let’s look at two of the largest index funds to illustrate our point. 2. Why is UTI AMC your favorite pick? 3. We do not participate in link exchanges or brand campaigns Such emails will be deleted. (amount or fund or SIP date??) After logging in you can close it and return to this page. As an experiment, I have added debt fund rating summary as well. kindly let me know that best option for 10 year to 15 year plan. Hi sreekanth, Anyway, here are the points I would like to raise: Its very nice blog. 1. SPY is an index fund representing the S&P 500. Fund 1. (SIP was done by bank ppl) Equity Mutual Fund Portfolio – Overlap Checker, Mutual Fund Portfolio – Overlap Analysis Tool, Why your Best Mutual Fund Schemes may not remain as ‘the best’? 15.6% % of SPY's 505 holdings also in QQQ. If it is anywhere above 60-70%, then there is not much point holding both funds (unless your portfolio is large and you are scared about putting it all in one AMC). ICICI Prudential Bluechip Fund – Direct Plan Fund overlap is just a fact of life when it comes to investing. How to get rid off unwanted life insurance? Fund 1. Should I move my assets from top 200 to equity and prudence and mid cap opp instead? How to check the Portfolio of Stocks owned by a Mutual Fund Scheme? (Already sip is going) .Thanx nd Regards. At the time, I did not have it. The Financial Industry Regulatory Authority (FINRA) Fund Analyzer offers information and analysis on over 18,000 mutual funds, exchange traded funds (ETFs) and exchange traded notes (ETNs). i am just stared sip in icici balanced fund – direct – rs.10000/month.i want to invest another 16000/month , pls suggest me two funds without much overlap with above fund and also suggest allocation . Should i stick on with investing in these thru SIP still? i want to invest 45000 p m and i have chosen the following three from ur well researched list: Find Overlap. Will you recommend to invest in this fund? ETF Stock Exposure Tool. I initially have thought to invest 70% in balance fund and 30% in equity diversified fund. Do this instead! Ex- Franklin prima plus + HDFC midcap opp fund + TATA balnced fund. Dear Sir, Kindly read: I can invest 10k per month. I didn’t get any “Plan-A” option under TATA balance fund in moneycontrol.com. My investment goals are Child education and corpus for any emergency. I have gone through the article on term insurance. Compare funds to see which have the best returns, highest ratings, and lowest expense ratios, to find your next great investment. Any other options if you can suggest ?? My investment objective is to create handsome corpus for 2 kids education and time frame is around 5-7 years. Franklin India Taxshield Fund – Low Risk. For starting I filter following MF based on varius articale. 14.SBI Magnum Global fund Growth For overlap across multiple ETFs use Portfolio Builder. SBI magnum global fund-reg-2000/, Reliance tax saver- growth plan-3000/, Axis long term equity fund-6000/ and DSP tax saver fund -reg-g-3000/ plus i have started with ppf 150000/ plus i have two lic policies amounting 48000 (jeevan saral and jeevan jyoti) Two seemingly different mutual fund schemes can own the same set of stocks. 5.UTI Floating Rate fund STP Growth You may choose two to three funds – one diversified, one mid-cap and one balanced fund for this. What other research can be done apart from the above to help investors in their investment? These strategies can be an effective tool for pension managers, both in terms of enhancing return opportunities and assisting in reduction of unwanted risks. Hi Sreekanth, thanks for articles on all these tools …I was not even aware of these! You may use the below Mutual Fund Portfolio comparison tools to analyze the extent of portfolio overlap among the holdings of your mutual funds. Do you have sufficient life & health insurance cover? When you are comparing the portfolios of two mutual fund schemes, there will definitely be some overlap.. Dear vivek, Fund overlap is a hidden risk in portfolios because it means the investor may not be as diversified as they thought. Frankly speaking I don’t think that I have enough Insurance coverage. Personally I am ok with 20% to 40% overlap. Objective is to have good returns from 3-4 yrs onwards… like atleast 12% PA…. Also please tell between SIP or lumsum investment in MF, which one is good?!? Our role is to ensure that the exposures are achieved and maintained in the most efficient form available. How to know common stocks owned by two or more funds? Change to Sundaram Growth Fund Div previously holding Sundaram Capex opportunities fund-Div ₹5000/- on date of purchase. Also, it is better to avoid the owning too many funds managed by the same fund manager. All the above four funds primarily invest in giant and large-cap company stocks. Dear vivek, Name of the fund are furnished below. I have started doing SIP from 4 months. You have mentioned that it is better to leave your fund with different fund managers rather than a lump sum with one fund manager – so again, even if the stocks are same in two different funds, the fund managers would be different and that should spread your risk See which holdings any two equity ETFs have in common, along with top differences in exposure. HDFC Top 100 Fund Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. Advisorkhoj develops innovative mutual fund research tools that … 2. Thanks for sharing your thoughts! Hi Sreekanth . For your further information I have unknowingly invested in few NFO MF in 2008 on dividend pay-out scheme. You can compare the portfolio holdings of two mutual fund schemes ICICI focused bluechip growth (LargeCap) – 3000. Please share your suggestion in selecting ICIC Pru Value discovry , bsl front line eq, bsl mnc fund for 5-10 yrs wealth generation in sip. May I know your investment horizon? SIP or lump sum is based on your available resources and future goals. This tool estimates the value of the funds and impact of fees and expenses on your investment and also allows you the ability to look up applicable fees and available discounts for funds. 11.UTI Spread Fund Growth. Get to know us better and start investing the right way with these free resources! Dear Vasu, Hi, | New Classification of MFs. This UK-made outdoor storage unit is constructed from tough 7mm overlap board panels, which are sourced from sustainable, well-managed forests. Its our world of MFs Everyone’s.. Also, check out the percentage of overlap. I am no financial expert and so, some of it may sound foolish. There can be a real danger in mutual fund overlap, and you may not be as diversified as you think. Birla Sun Life Frontline Equity Fund. Dear Priyadarshi ..May I know the MF scheme names? Existing funds : Kindly redeem all of them . After purchasing a term plan, you may discontinue your LIC plan and divert this money to mutual funds based on your financial goals. I’m done with year 1 of investing btw.. Dear Vivek, Plz suggest me. HDFC Top 100 Fund Kid’s education planning I would like to invest a lump sum amount of 2.5 lakh INR. I am not aware of any such tool, but please consider the points below before you spend time looking for it. Dear vidhi, How do you figure out if you have fund overlap? How to check the portfolio of stocks owned by your mutual fund? To gauge how much overlap your portfolio has, you can do some hefty calculations by hand, using shareholder reports. Best Equity mutual funds 2016. 9.UTI opportunities fund Dividend May I know your investment objective and time-frame?? Thanks for posting. What is your investment time-frame? Can I change the MF/SIP at any point of time? or should I stop for some time, kindly suggest…, ABSL Equity Fund – Growth-Direct It is advisable to understand the type of investing objective of each mutual fund that you own (or planning to invest) and consider spreading out amongst large cap, mid cap, and small cap mutual funds. Dear Sankar, Can you suggest what percentage of overlap can be considered good? Best ELSS funds for 2016. A very simple and effective way is to check the top 5-10 holdings and their weight. Our Google My Business Rating is 4.9 stars! 40 lacks for daughter marriage after 25 year 4.UTI Equity fund Growth You can support the site in many ways: Download the Mutual Fund Portfolio Overlap Tool (July 2017). I want to invest money in some new company. Best equity funds for 2016. Am doing SIP on them, with the negative appreciation, is it still advisable to continue investing? Wow, what a blog ya?? regards. How To Avoid Mutual Fund Overlap. Thanks, Sree, AXIS long term equity G and Franklin India taxshield.. Dear Priyadarshi, Term insurance Vs endowment plans I am bit confused to select between regular (G) plan and Direct Plan (G). I would like to know how to diversify my SIP investments. Kindly go through the below articles and revert to me; Consider surrendering or making LIC policies as PAID-up. Hence, the overlap among these would be very high. Fund overlap occurs when an investor owns different mutual funds that hold many of the same securities or react similarly to market conditions. Which is very newly in market. Thanks for the valuable info. 2 – Being conservative or aggressive, depends on one’s Financial Goals. i m 35 yrs interested in corpus building and i recently joined your world of MFs thru’ SIPs. There are many tools on the internet that you can use to find quality mutual funds. 1 & 2- What do you mean by change exactly? I ma 25. Keep visiting . Portfolio as on 31-01-2021. should i have a demat account or wht other options do i have. Shortlisted funds are good ones. Also I kindly request you to help me how to avoid mutual fund overlap. 6.UTI focussed equity fund series-II Growth Dear sreekanth, Bhaskarapuram, Mylapore, Chennai, Tamil Nadu 600004. L&T Emerging Businesses Fund Direct Growth Do note that the portfolios of MF schemes can change over a period of time. Dear Biju, Though overlap is a good analytical tool, its not the deciding factor when shortlisting a fund. hi sreekanth Read : Best equity funds. I am going through overlap calculator at thefundoo.com. Birla Sun Life Frontline Equity Fund. SBI Blue Chip Fund Dir Plan – Start in Jan’17 Franklin Feeder You Can Be Rich Too with Goal-Based Investing, Guide to e-file Income Tax Return: ITR2, ITR3 and ITR5 for AY 2020-2021, How Suhas tracks his MF investments and reviews financial goals, List of Fee-only Financial Planners in India, Create a start to finish financial plan with the freefincal robo advisory template, What we can learn from Petrol, Diesel historical price inflation data. i am also investing rs.10000/month in PPF & RD. Kid’s Education goal. Ex – Franklin tax shield or Axis LTE. All the three funds are fine. Child’s education shall Begin after a year. 1) TATA balanced fund- 45000 quarterly Actually am doing an analysis on American Depositary Receipts(ADR). Thank u sir. Research QQQ Invesco QQQ Trust. Apart from portfolio overlap, can i perform some other analysis like country overlap, sector overlap. Unless you’re crafting a custom portfolio of individual stocks by hand, don’t expect to eliminate all of the overlap. Great service!!! What is the reason behind investing in so many funds? Strengthen your financial strategy with this toolbox of do-it-yourself resources, or get personal financial advice from a Vanguard advisor. I am very new to it and any suggestion will be appreciated . Please recommend fund names and your view point regarding this. The overlap shows you just how much two ETFs have in common, which can be particularly helpful when evaluating "Smart Beta" funds. 3. He is an Independent Certified Financial Planner (CFP), engaged in blogging & property consultancy for the last 10 years through his firm ReLakhs Financial Services . He is not associated with any Financial product / service provider. The 8mm OSB floor is mounted on pressure-treated bearers, to keep it off the ground and the contents dry, whilst the 8mm OSB pent roof has a sand felt covering to ensure stored items are protected from the rain. Best Term insurance plans Dear Yavika, You may use the above tools when choosing a mutual fund to avoid portfolio overlap. Join our courses in exclusive Facebook Groups! Do not expect returns from mutual fund SIPs! If you are a conservative investor and want to stick to large-cap funds only, you will find that there is some overlap, whatever fund you choose in that category Read: Why one needs to THINK beyond taxes! I’m planning to invest 3000/- in Axis Long Term Equity Fund and another 3000/- in Franklin India Taxshield in order to save income tax . 3. I am new to investments and I would like to invest on Mutual Funds. Whereas, Debt mutual funds invest in Fixed income securities. The main aim of his blog is to "help investors take informed financial decisions." How to use the mutual fund portfolio overlap comparison tool? 2. Disable your ad-blocker for the entire site. We can pick 2 to 4 good funds based on financial goals and just keep track of them. 1.Excellent article on a very relevant topic. Number of common stocks: Number of uncommon stocks in Axis Small Cap Fund - Regular Plan - Growth: Number of uncommon stocks in DSP Small Cap Fund - Regular - Growth: See common stocks across the 2 funds. What is your suggestion regarding this if you have any other thoughts please let me know. Mirae Asset Emerging Bluechip Fund – Direct – Growth. Since Moneycontrol had changed its layout, this tool has been written from the ground up. Or a single multi-cap fund. Notwithstanding some of the confusion around terminology, overlay strategies have become a mainstay of pension fund management. you can read it as ; 14 common stocks, 26 (40-14) stocks as uncommon stocks in Fund A , 40 (54-14) stocks as uncommon stocks in fund B. Lately, I invested in 4 different SIPs and 1 equity based ULIP. Change to Sundaram Infrastructure Advantage Fund – Div previously holding Sundaram India leadership fund –Div ₹5000/- on date of purchase. Kindly suggest me some MF by which I can avail tax saving as well as future goal… Just 1/2 funds are enough for a market-cap and sector diversified portfolio. MIRAE ASSET INDIA OPPORTUNITIES FUND – Can you suggest from above list, which fund i need to get exit? Please advise. TATA Balanced -Direct Plan (G) from Balanced category ₹1000/- monthly. Check our reviews! Very well said and explained. Better diversification can lead to ‘downside protection’ and ‘controlled volatility’. Now head over to fund url and locate the fund code as mentioned in the sheet and enter. May I know your investment horizon? Partner with a Vanguard advisor. After checking their portfolio holdings, you find that Fund ABC owns three companies’ stocks i.e., Infosys, TCS & SBI and Fund XYZ has invested in Infosys, TCS & Reliance. I am a new but an ardent fan of your blog. Mirae Asset tax Saver Fund –. (Google Play Store), Find out if you have enough to say "goodbye" to your employer (Google Play Store), Freefincal Q &A: Getting rid of health insurance; investing in Nifty Next 50, Nifty 50 from 1,000 to 10,000: Lessons from the rocky road, lectures on goal-based portfolio management, Equity Mutual Fund Screener March 2021: Shortlist consistent performers, Personal Cyber Security Insurance: What you need to know. Facebook quietly launched — or at least began testing — a new tool that has the potential of being quite useful for marketers: Audience Overlap. I want to take risk. AXIS and FRANKLIN has an overlap of 21% and this includes one of the top holdings (HDFC) for both (8 %).. Dear Abhishek, How to get rid off unwanted life insurance? kindly read: What are your financial goals? 15.ICICI Focussed Bluechip Equity fund Growth Will it be a good idea to have them together at the same time ? Let’s say you would like to invest in Fund ABC and also in Fund XYZ. Dear Mohan..Kindly read my articles on; In fact I was just looking at two funds I have invested in (HDFC top 200 and HDFC equity) and was getting concerned that they seem so identical, and true enough they have 80% overlap. I am 36 years old working professional relatively new in investment. The results are shown below. ", Connect with Him :
Right now,me and my spouse are doing SIP in below funds :-, Mirae Asset Emerging These investments may be in shares, debt securities, money market securities or a combination of these, as per the fund’s investment objective. regards If your main objective is long-term and some tax savings, you may invest in both of them. Kindly let me know about your financial goal(s) and investment time-frame?? * Multi-cap Mutual Funds Asset Allocation (NEW) Rules | SEBI’s New Norms LIC New Plans 2020 – 2021 List | Features, Snapshot & Review of all the Plans, Click on ‘Holdings’ under ‘Portfolio’ option. Dear Subhankar, Investment calculators & tools. Dear Abhishek, My future goals are We do have several funds holding these ADR’s. Now i realize i need to rejig my portfolio again. Not really. Above mention equity based fund I am holding till date. 2.SBI Magnum MidCap Fund Axis Long Term Equity Fund – Low Risk 1. Having personal LIC endowment Plan of Sum assured ₹300000/-(Three Lacs).Two lacks health insurance for me and family and Approx. The latest freefincal mutual fund portfolio overlap tool allows you to compare five mutual funds at once to check for common stocks! Should be reasonably self-explanatory. QQQ is an index fund representing the NASDAQ 100. Fund Overlap With so many ETFs available, it's no wonder many of them have considerable overlap among their underlying holdings. Suggest you to read my artaicle on Top Equity funds and select one fund from equity diversified, balanced and mid-cap categories. HDFC Top 100 Fund – Start in May’19 Best Equity funds. Reading through a portfolio is not difficult. Also, my husband has suggested below international MF’s to diversify investments: Motilal Nasdaq 100 ETF If you are trying to build a diversified mutual fund portfolio (see how you can do this), then simply choose funds with an investment strategy that does not overlap much. May I ask how much of portfolio overlap is an accepted norm. Please suggest one good fund.