Nice Question. Most of the investors donot understand the difference between Global Funds and International funds.

International funds invest exclusively in outside of the country of origin. For example , if you are investor in India, then for you, International fund invests outside of India. Some international fund invest exclusively in USA, Some in ASEAN countries, like that. Some invest outside of Japan in other countries.
In Contrast, Global funds are permitted to invest anywhere in the world, including the country of origin eg even in India.
So with your investment in Global fund, you may find, your fund manager might have invested in Indian shares.and in your other investments also , you have invested in Indian stocks.

If you wish to invest in out of country, then international funds are best vehicle, because they offer a pure play on foreign stocks.

Mutual Fund Ratings are just Bakwas. When you donot want to do any research or study while doing your own investment, you take easy way to pick up a mutual funds only based on some ratings, by a website or by a magazine or by a newspapers.
With this , you are eliminating all the funds except one or two top performing funds. Before few years, we had no tools or systems to compare apple to apple comparison of funds, as we can do now.

While these ratings seem to be very useful, they cannot reflect various aspects of fund-performance. More over they are backward looking, measuring something which has already happened. However in financial investments, future trends are also important. Without such estimation Mr. Rakesh Jhunjhunwala would not have picked up Titan Shares at just Rs. 20/30. Take recent examples of Quant Mutual fund. Look at their ratings they go a year before and look at their performance during last one year.
So Ratings are excuse, which many investors use not to do any study prior to their investments.

Sir, Thanks for question. We donot know about your age, other investments , other incomes etc, so precise answer to your quenstion is not possible and cannot suggest any fund now.

Nice question. Many of the mutual funds investors also would like to study our Guidance.

When you buy a mutual fund, you probably hope that its share price will increase over time,because that means your money is growing. But for many funds, it is the reinvestment of earnings that is the real power house. Mutual Fund earnings come from the dividends paid by the stocks . Funds also generate Capital gains and losses when a fund manager sells securities in the portfolio.

In a growth fund, the ability to reinvest income and capital gains automatically by buying additional shares is one of the clear advantage a growth fund offers. The bulk of the long term growth in the stock market comes from this reinvestment rather than from the stock-price appreciation.

Example : lets discuss HDFC Focused 30 Fund. The fund has earned 22.28 % pa returns during last3 years.If you reinvest the amount in this fund, then your reinvested incomes may also earn 22.28% returns in the future, which otherwise would have earned less amounts in FDRs or money market.

Nice and Interesting Question, Mr. Mehta

Last week, we had explained why you should not priorities a fund which has given impressive returns in last one year.Being an investor, you always want a fund that does what you expect it to do and do it repeatedly finishing among the top half among the funds in its category at least 4 years out of 5 years.
Do avoid a fund which perform erratically ( top in one year and bottom in the next) among its peers,even if the average performance is above average.

Your fund investment is just like a cricket team, which you will like to perform in top rank. erratic performance also indicate a fluke performance by the Fund manager,where higher earnings may just by luck. If the fund manager has real edge, then he would consistently pick good stocks.
for example : Axis Bluechip Direct-G
3 Yr Returns 16.78 %,
5 Yr Returns 15.06%,
7 Yr Returns 13.38%,
Returns since launch 15.70%
So here you find a fund which shows consistency in its performance , inspite of Rs. 35915 Cr managed by it.
You should Go for such funds.

Thanks Mr. Parmar for your interest. Soon, in just a week, we shall be starting YouTube sessions and simple questions and answers on Mutual funds. Do subscribe our Youtube channel

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So when we upload a video , you receive notification.

Good Question. If you are studying Mutual fund book from USA, the answer would be that you must invest in International funds, since for a US investors, the international funds means investments in India, China and some other Asian countries.

However since you are an Indian Investor, for you , the answer is International funds are not that much attractive. One generation ago, about 2/3rd of the stocks represented by US companies and now the picture is different. At present about 2/3rd of the stocks are trades outside of USA and the share of USA has declined considerably. At the same time, the share of Euroean stocks have also declined. Moreover the growth rates of their companies are also down. So for an Indian Investors, the returns we earn while investing in Indian stocks is much higher than returns from International funds.
Lets check last one year returns of most of the international funds. Out of 45 International funds, most of the funds have shown NEGATIVE returns during last one year, ( Except ABSL Commodity Agri Global Agri. fund which has earned 23.98% positive returns)
Edelweiss Great China Equity offshore fund has (-) 27.16 returns during last one year, Invesco India Global Consumer Trends funds has (-)31.35% returns.
Yes, if you consider last 5 years returns, then Motilal Oswal Nasdaq 100 ETF has best return of 23.09% pa.and ICICI US Bluechip Equity fund has earned 5 years returns of 19.30%.
So ??? On an average, the performance of Most of the international funds are not impressive ( barring few), and investments in the same may be avoided.

For Mutual funds, fixing a Target price for Sale or redemption is not correct polocy. For Equity stocks, many investors like you fix up target price for sale or buy. So when the price fixed for buying is reached, they make investment and when the stock reaches a target price, they sell the same.
However such strategy doesnot work for mutual funds. In the case of funds, the fund manager is using his own buy / sell displine. So there is no need for your fix Redemption price and sell the fund, when such price/NAV is reached.
you should sell only when the fund is not performing as expected.

Very interesting question. It is believed that in the times of Inflation, Gold and Silver provide hedge, something that does well when stocks or bonds perform poorly. Unfortunately Gold or Silver has not proved to be a very good hedge of the past several years.

Do understand, Gold and Silver has their own fan following who think it is true source of value and the time is always right to own it. Reality is a bit different. As the history shows, the price of gold is volatile and unpredictable. Gold is not a growth investment like stocks or real estate that increases gradually. There is no evidence that Gold acts as an inflation hedge. A good test of inflation is whether a commodity increases in value when bonds decreases in value. In the times of Inflation, bonds perform poorly. During the 1990s, gold did not perform well in bond-bear-markets.
Investing in Gold or Silver mutual funds present another problem. Gold fund do not offer a pure play on Gold. In USA, most of the Gold funds managed to move in and out of gold mining stocks and other precious metals, as the fund manager sees fit. Investing in Gold fund or Silver fund is no guarantee that you will be investing in Gold/Silver. Many a times, Fund managers attempted to move their AUM to more attractive investments but as an Investors you donot wish investment in other assets, you wish investment in Gold.
Unlike equity or bonds or deposits, the money that you invest in gold does not contribute to economic growth. An equivalent amount of money deployed in a business or any other productive economic activity will generate actual wealth and will grow larger in a very fundamental way, while a given quantity of gold will just remain the same.
however for those retail investors who’d still prefer to invest in gold, I believe that the Sovereign Gold Bond Scheme offered by the Government of India is much better alternative.

Lets check real life Example : HDFC Gold which started in January 2013 has offered return of just 4.56% pa since launch , much lower that any Equity or Bond fund.Even safest debt fund has provided higher returns than HDFC Gold Fund.So I believe your advisor is right.

Very important question. First I will explain what is portfolio turnover ?
Portfolio Turnover is the measure of the average buying and selling activity in the portfolio. It refers to the percentage of the portfolio that is bought or sold each year. A turnover rate of 50% means, half of the securities are exchanged every year.
The turnover rate is disclosed in a funds’ annual report.
If the fund focuses on Small cap stocks, it is natural for the fund manager to trade heavily and frequently.
Every time a fund manager sells a security at a profit, the investors face additional burder of brokerage fees and also STT etc. the fund managers are also concerned with their bonuses and commissions, and that is one of the reason for frequent transactions and profit bookings.
However , we all know that in strong large cap and midcap stocks, the longer period of investments give very impressive returns. The investor who has retained TCS for about 10 Years has reaped handsome gains. Same is the case with Titan, Tata consumer, L&T, Infosys,Reliance, HUL,HDFC Bank and many more shares. So when you have invested in a Large cap fund or Midcap fund or even Nifty Next 50 funds, the relatively longer investment period bring in bumper returns. So even in such cases, if your fund managers shows higher portfolio turnover then you must be cautious and evaluating other aspects, may decide to withdrawn your funds from such Funds.