Top Mutual Funds Performing Better Than Sensex

After the great results of last year Mutual Funds Investment, Retail Investors still have got faith in the Stock Market. But, instead of Direct Investment they are investing through Mutual Funds. The reason behind this is, this year Sensex showed the drop of 9.40% whether some of the Mutual Fund Schemes have given the returns with the hike up to 16%. In the last 3 years, funds have been giving some good returns also. 

Here are the top 5 big return Mutual Funds and their one year's profits 

• DSP BR Micro Cap Fund Direct with the profit of 16.1% 
• Birla Sun Life MNC Fund with the profit of 16.0% 
• SBI Magnum Midcap Fund with the profit of 14.0% 
• LIC Nomura Index with the profit of 15.0% 
• ICICI Pru Exp & other service DP with the profit of 10.0%

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Know What to Do if Something Happens to FD Holder

It's usually seen, when something happens to the Fixed Deposit Holder before the maturity of the fixed deposit then their family members face difficulties to withdraw the money from FD. In such a situation, the family members must have knowledge for claiming the money. Here are a few tips that can help people to avoid these situations 

Use Nominee - Assigning Nominees is the best and simplest option to avoid these troubles in case if something happens to the FD Holder. 

Joint Holding – In joint holding, if the first holder dies, then after the maturity nominee can claim for the money by providing a death certificate of first holder. And if the second holder dies, then first holder gets all the rights to choose the new second holder. 

Taxation – While giving the maturity money to the last nominee no tax will be reduced. Although, the interest amount will be added to the income of receiver and they will have to pay tax as per their tax levels. 

Pay Off Before Time- It's important to know that the pay off will be given only after the maturity of FD. But, the nominee or legal heir can request for the pay off before the maturity. It will be their decision whether they accept the request or not.

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Must Utilize Rights for Mutual Fund Investors

In present time, there is no hold of Share Market. Any moment we can see a sudden change, high jumps and big drops. In such situation, Mutual fund is the safest way left to invest in the market. If you are investing in mutual funds, then there are some rights given to you by the market regulator SEBI and you should properly utilize them.

• Scheme documents - Before investing in any mutual fund, it's important to check all the documents related to the scheme. The document will help you to analyze the current and past performance of the scheme. 
• Distributor Fees – Either you have invested directly or through authorized distributors, you have right to ask about the distribution commission and other transaction information. 
• All updates – You will be receiving an email or SMS regarding the updates of your investment and if you are not getting updates, then you should contact your fund house with having your pan card details. 
• Interest on Redemption amount - If you have withdrawn your mutual fund, but haven't received your money within 10 days, then fund house will give you the interest money with the rate of 15% per year.

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Mutual Funds Investment Tips For Beginners

It's very common for the beginners and Novice Investors to face difficulties while choosing the right scheme for them. But choosing right scheme and giving money is not the end of Mutual Funds Investment. There are much more we should be aware of. 

1. Asset Allocation- It's a method that helps you to make an investment strategy, having various asset classes. The more important thing is the class of security you own, among Equity or Debt. 
2. Finding the Best Scheme- Determining your goal of investment can help you to choose the right fund scheme. Time period for returns and Risk involvement are other major factor should be considered before investment. 
3. Tracking updates- Tracking the investment performance is equally important as Investing. A well Experienced Adviser is the best person for measuring the performance and he can advise you the best. 
4. Fact Sheet- Fact Sheet is a report sheet about the performance of the scheme and published by Mutual Funds as a monthly update. 
5. Websites- Mutual Fund Website contains all latest information,statistics, quarterly newsletters and fact sheets about the scheme.

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Parameters for Choosing Best Mutual Fund Plans

While doing any Financial Planning its important to check all the available options. Here are few points we must consider before choosing any financial scheme. 

1) Performance Ranking – Before Investing in any plan you should check its current ranking and performance for the last quarter. 

2) Total Expense Ratio – High expense ratio can be negatively affect the fund returns because all expenses related to fund distribution and management are borne by scheme. 

3) Experience of Fund Manager - Fund's manager would be the main person for managing the fund's that's why its also important to analyze his performance. 

4) Size of Scheme Asset – Asset size differs as per the schemes. Equity scheme asset goes approx 100 crore but in the debt scheme it should be 1000 crore. 

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Top 5 Equity Mutual Funds for Investment

In the current market situation, its a bit difficult for the individual investors to trust on Mutual Funds Investment. Its true that short term mutual funds are not performing very good and they are not capable to give the expected outputs but its totally different in the case of long term mutual fund investment. Here are few Fund's that can help the small investor to get higher profits.

• Franklin India - Its a top leading Fund and its been giving a consistently amazing results for last 2 decades. 
• ICICI Prudential – With the unique combination of Bottom up and top down approach, the fund has been growing very rapidly. 
• Birla Sunlife – The Fund is majorly diversified towards Large caps, but also includes few mid caps. 
• SBI Emerging – The fund mainly invests in Small caps and Mid caps by targeting High growth stocks. 
• Axis Equity – However, Axis Equity funds is new in the market, but in very short time they performed very nicely. They follow Bottom up approach with having value and

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