Why is My MF Portfolio

Not Giving Returns ?

for Private Circulation Only

My 2 year SIP’s are giving poor returns

July19
 My 1-2-3 years Lumpsuminvestments
are giving poor returns
Fund 1-Month Return 3-Month Return 1-Year Return 3-Year Return 5-Year Return 10-Year Return

Aditya Birla Sun Life Equity Advantage Fund

- Regular Plan -1.14 -9.09 -15.43 3.33 9.71 10.94

Aditya Birla Sun Life Equity Fund -2.46 -8.45 -9.08 6.64 10.19 12.18

Aditya Birla Sun Life Equity Hybrid '95 Fund -1.43 -5.67 -7.68 4.4 8.49 11.53

Aditya Birla Sun Life Frontline Equity Fund -2.27 -7.39 -7.31 6.07 8.35 11.95

Franklin India Focused Equity Fund -4.93 -11.36 -4.02 6.98 9.85 14.42

HDFC Balanced Advantage Fund -3.47 -8.05 -2.04 7.78 7.9 13.09

HDFC Equity Fund -4.01 -10.49 -5.1 8.9 7.51 12.54

HDFC Mid-Cap Opportunities Fund -1.47 -10.02 -15.34 3.76 10.03 17.17

HDFC Small Cap Fund - Regular Plan -3.5 -14.67 -16.88 7.84 11.02 13.15

ICICI Prudential Value Discovery Fund -4.21 -7.69 -11.29 3.28 6.97 14.88
 What’s on your mind
• SIPReturns are poor…
• 2 year SIP’s are not showing any return…
• Lumpsum investments are not giving returns..
• It’s a very poor return from MF & sips…
• We should have rather done FD’s…
• I am not convinced that the returns will improve …
• I am loosing my confidence & hope…
• It’s been long that I am investing and it’s simply loosing more and
more each day…
• Will this ever improve???
 First let’s have a look at what hashappened….

• Yesthe returns are poor and the figures on the portfolio report
don’t lie…
• Yes,last two years returns are falling way short of
the expectation line…
• Yesits difficult to hold on for long at this level of return and it is
getting difficult day by day to continue to see this poor
figures…

July19 for Private Circulation Only

 Why it is Happening!
• Only a hand full of stocks are pulling market up and the
majority of the companies are down to there 1 year price
• Newspaper and news channels are celebrating themarket
high but MF returns are missingWhy…??

July19 for Private Circulation Only

• We have found 1,329 out of 1,849 stocks are
below 200-day moving average whereas 1,096
out of 1,849 have either slipped orare trading
below the equivalent level of Nifty October
2018 lows of 10,000.
• Besides, 1,177 stocks out of 1,849 registered a
negative return suggesting a strong bearish
sentiment. This clearly points at how Sensex
and Nifty paint a misleading picture of the
broader market.

July19 for Private Circulation Only

 Why it is Happening!
• The breadth keeps getting worse. All NSE stocks. 2008
was global , 2011-2013 was global + local , 2019 looks
only local. Total lack of buyers in the broader market.

July19 for Private Circulation Only

 What Should I do ?

• This is the exact point where lot of negativity and

fear is to befaced.
• This has happened time and again.
• The question here is whether Indian Economyhas
gone through a down cycle earlier andrecovered
– the Answer is BigYes.
• In fact all the economies in the world go through
the economic cycle of booms & busts & boom
again, and its a normal ongoingphenomena.
July19 for Private Circulation Only
 What Should I do ?
• This is no different situation. This has happened in
past and this will happen in future

July19 for Private Circulation Only

The question Still remains ,What Should I do ???

• This is exactly why 96% of the investors have

not made any return in stock markets or inMF

July19 for Private Circulation Only

This is exactly the point of timewhere
96% of the people panic

That is the salution ….

We need to behave long term
 THESIPMAHA MANTRA!!
N•AV Down – More Units are Purchased
the Main USPof SIP
NAV Down – More Units are Purchased
Sr. Date AMOUNT NAV UNITS Total Units Sr.No Date AMOUNT NAV UNITS Total Units
No
13 Jan-18 1000 47.126 21.21971 350.6620995
1 Jan-17 1000 29.849 33.50196 33.50195986
14 Feb-18 1000 45.314 22.06823 372.7303345
2 Feb-17 1000 31.589 31.65659 65.15854918
15 Mar-18 1000 44.167 22.64134 395.371673
3 Mar-17 1000 32.555 30.71725 95.87579692
16 Apr-18 1000 47.284 21.1488 416.520476
4 Apr-17 1000 34.746 28.78029 124.6560882
17 May-18 1000 44.959 22.24249 438.7629636
5 May-17 1000 35.727 27.99004 152.6461237
18 Jun-18 1000 42.545 23.50452 462.2674882
6 Jun-17 1000 37.228 26.8615 179.5076258
19 Jul-18 1000 43.561 22.95631 485.2238023
7 Jul-17 1000 38.19 26.18487 205.692491
20 Aug-18 1000 40.466 24.7121 509.9359063
8 Aug-17 1000 36.774 27.19313 232.8856165
21 Sep-18 1000 41.814 23.91544 533.8513414
9 Sep-17 1000 38.792 25.77851 258.6641276
22 Oct-18 1000 42.628 23.45876 557.3101009
10 Oct-17 1000 40.136 24.91529 283.5794156
23 Nov-18 1000 42.191 23.70174 581.0118382
11 Nov-17 1000 42.345 23.61554 307.1949546
rculatioOnDlyec-18 1000 39.821 25.11238 606.1242161
n
24
1Ju
2 ly 1D9ec-17 1000 44.949 22.24744 3fo2r9.P4r4iv2a3t9e06
 Why Should / Will Equity do well ??

• Only 4% investor get the target return, as they stick to the

investment for longer term without loosing their patience.
• Indian Economy is a consumption based economy with ayoung
and aspiring population.
• Our internal demand for consumption staples, consumer
discretionary, Infrastructure, Housing, are the big driversof
growth, beside banking & technology, HealthCare etc.
• India is the fastest-growing trillion-dollar economy in the world
and the sixth-largest with a nominal GDP of $2.61trillion & we
aspire to become $5 trillion innext 5 years
• Simple maths – India as a economy does well = Indian Stock
Market does well
 In a Nut Shell

• Keep a loner term view.

• Increase and keep your SIP’srunning.
• Few quarters are going to be more painful.
• Currently Economy is in downturn – but it will not stay here for a
very long.
• Stop seeing your portfolio on dailybasis.
• Whenever there is doubt talk to us
• Stop watching business news channels
• Investment is like your children – there is no alternate to being
patient and giving space and time……