Dette er en kategorimæssig liste over 10-årige aktiefonds SIP-afkast den 9. april 2020. Ud af 241 undersøgte fonde formåede kun 20 et tocifret afkast! Målet bag denne notering er at værdsætte risiciene bag blind tillid til SIP uden en plan for porteføljenedbringelse.
Læsere husker måske, at selv i januar 2020 i god tid før nedbruddets start rapporterede vi, at tiårige NIfty SIP-afkast er faldet med næsten 50 % gennem årene, og 15-års Nifty SIP-afkast er faldet med 25 %. Derfor burde denne liste ikke være nogen overraskelse.
Naturligvis ville denne situation ændre sig (til det bedre eller værre) afhængigt af daglige markedsbevægelser som bemærket i går:15-års Nifty SIP-afkast falder til 8 % (51 % reduktion siden 2014).
For eksempel er der 20/241 afdelinger med tocifrede afkast pr. 9. april. Skift vurderingsdatoen til 7. april, så ville den være 11/241! Skift det til 23. marts – dagen for det største intradag-fald, hvor 10-års Nifty SIP Return blev 2,3 % – så ville vi kun have to fonde med tocifrede afkast.
Hvad er betydningen af tocifrede (før skat) afkast? To ord:Risikopræmie. Risikoen, som en investor tager i løbet af en ti-årig SIP, er enorm sammenlignet med de fastforrentede valgmuligheder, der er tilgængelige i Indien. Kompensationen for den risiko bør være tilstrækkelig – i det mindste det laveste tocifrede tal.
Bemærk: 1: Disse er ikke investeringsanbefalinger. Denne liste viser risikoen forbundet med en langsigtet SIP.
2: Mange fonde har ændret mandat i løbet af de sidste ti år. Dette kan have bidraget til deres lave eller høje afkast. Vi dømmer ikke midlerne her.
3: Alle fonde er almindelige planfonde, da direkte planer ikke eksisterede for 10 år siden. Hvis man havde skiftet til direkte engang i midten, ville afkast være en smule bedre.
Liste over 20/241 fonde med 10 % eller mere afkast (som den 9. april 2020)
KategoriScheme Name10Y XIRR(%)Small cap FundSBI Small Cap Fund-Reg(G)14.99Large &Mid CapCanara Rob Emerg Equities Fund-Reg(G)13.85Equity Linked Savings SchemeAxis Long Term Equity Fund-Reg(G)12.69PhareNippma India Pharma Fund(G)12.28MNCAditya Birla SL MNC Fund-Reg(G)11.84Focused FundSBI Focused Equity Fund-Reg(G)11.54Thematic FundAditya Birla SL India GenNext Fund(G)11.47Large &Mid CapPrincipal Fund(Gerging) Blue 11.46FMCGICICI Pru FMCG Fund(G)11.29Thematic FundCanara Rob Consumer Trends Fund-Reg(G)11.06Mid Cap FundInvesco India Midcap Fund(G)10.83MNCSBI Magnum Global Fund-Reg10.80Mid Cap FundDSP Midcap Fund-Reg.72GL. &Mid CapQuant Large &Mid Cap Fund(G)10.54MNCUTI MNC Fund-Reg10.53Pharma &Health CareSBI Healthcare Opp Fund-Reg10.39Large Cap FundAxis Bluechip Fund-Reg(G)10.29Mid Cap Fund-Reg(G) 10.10Mid Cap FundKotak Emerging Equity Fund(G)10.04Mid Cap FundL&T Midcap Fund-Reg(G)10.02
Det er vigtigt at forstå, at kun 20/241 fonde har formået at give en form for risikopræmie til investorer. Dette er ikke til stor nytte, da man aldrig kunne have vidst, hvilken af de 241 fonde der ville levere i 2010 (eller når som helst før april 2020!)
Blindt at lave en SIP i håbet om, at tingene ville blive bedre på lang sigt, betyder i bund og grund, at vi forlader skæbnen for vores økonomiske mål med held. Investorer skal sænke afkastforventningerne og udarbejde en solid strategi for at beskytte porteføljer mod markedsrisiko. Denne strategi skal være meget mere intelligent end denne standardrådgivermanta:"invester 60-70 % i egenkapital og reducer derefter eksponeringen i de sidste tre år, før du har brug for penge".
Medmindre vi har en risikofri strategi for gradvist og kontinuerligt at eliminere aktieallokering fra vores porteføljer, ville det beløb, vi ender med at spare til vores finansielle mål, blive overladt til tilfældighederne!
Ti års SIP-afkast er angivet nedenfor for hver kategori. Alle returneringer er pr. 9. april 2020.
Aggressive Hybrid Fund
Canara Rob Equity Hybrid Fund-Reg(G)9.65SBI Equity Hybrid Fund-Reg9.47ICICI Pru Equity &Debt Fund(G)8.47DSP Equity &Bond Fund-Reg(G)8.19Principal Hybrid Equity Fund(G)7.64Franklin Indien EquityFranklin Indien Hybrid Fund(G)7.00Quant Absolute Fund(G)6.77Tata Hybrid Equity Fund-Reg(G)6.47Edelweiss Aggressive Hybrid Fund-Reg(G)5.75Sundaram Equity Hybrid Fund(G)5.63Aditya Birla SL Equity Hybrid '95 G)5.60Kotak Equity Hybrid Fund4.80LIC MF Equity Hybrid Fund(G)4.67UTI Hybrid Equity Fund-Reg(G)4.17Baroda Hybrid Equity Fund(G)4.12PGIM India Hybrid Equity Fund(G)3.82HDFC Fund Hybrid )3,76Nippon India Equity Hybrid Fund(G)2,59JM Equity Hybrid Fund(G)1,98
Equity Linked Savings Scheme
Axis Long Term Equity Fund-Reg(G)12.69Invesco India Tax Plan(G)9.32Aditya Birla SL Tax Relief '968.82BOI AXA Tax Advantage Fund-Reg(G)8.56DSP Tax Saver Fund-Reg(G)8.55BNP Paribas Long Term Equity Fund(G)8.43Aditya Birla SL Tax Plan8.38Canara Rob Equity Tax Saver Fund-Reg8.22Tata India Tax Savings Fund-Reg(DP)7.96JM Tax Gain Fund(G)7.39Quant Tax Plan(G)7.23Principal Tax Savings Fund7.22Kotak Tax Saver Fund(G)7.01ICICI Pru LT Equity Fund (Tax Saving)(G)6.90LIC MF Tax Plan(G)6.49HSBC Tax Saver Equity Fund(G)6.32HDFC Long Term Adv Fund(G)6.12 Taurus Tax Shield Fund-Reg(G)6.00L&T Tax Advt Fund-Reg(G)5.78IDFC Tax Advt(ELSS) Fund-Reg(G)5.74Edelweiss Long Term Equity Fund (Tax Savings)-Reg(G)5.64UTI LT Equity Fund (Tax Saving)-Reg5.44Franklin India Taxshield(G)5.44SBI Long Term Equity Fund-Reg4.62Quantum Tax Saving Fund(G)-Direct Plan4.37Sundaram Diversified Equity3.80HDFC TaxSaver(G)3.37Personal Tax Saving Fund3. .31Nippon India Tax Saver (ELSS) Fund(G)3.24Baroda ELSS 963.23
Indeksfonde
ICICI Pru Sensex ETF6.29Kotak Sensex ETF6.09Kotak Nifty ETF5.56Nippon India ETF Nifty BeES5.54Quantum Nifty ETF5.47Kotak PSU Bank ETF-0.18IDFC Nifty Fund-Reg(G)5.43UTI Nifty Index Fund-FHDReg 5.43UTI Nifty Index Fund-FFD 50 Plan(G)5.07ICICI Pru Nifty Index Fund(G)4.86Tata Index Fund-Nifty Plan(G)4.67SBI Nifty Index Fund-Reg(G)4.42Franklin India Index Fund-NSE Nifty(G)4.40Aditya Birla SL Index Fund-Reg(G)4.39LIC MF Index Fund-Nifty Plan(G)4.27HDFC Index Fund-Sensex(G)5.79Tata Index Fund-Sensex Plan(G)5.36LIC MF Index Fund-Sensex Plan(G)4.86Taurus Ethical Fund-Reg(G)7.40Principal Nifty 100 Equal Weight Fund(G)2.00
Large &Mid Cap
Canara Rob Emerg Equities Fund-Reg(G)13.85Principal Emerging Bluechip Fund(G)11.46Quant Large &Mid Cap Fund(G)10.54Invesco India Growth Opp Fund(G)8.47Kotak Equity Opp Fund(G)7.77DSP Equity Opportunities Fund -Reg(G)7.61SBI Large &Midcap Fund-Reg7.22Edelweiss Large &Mid Cap Fund-Reg(G)6.98Tata Large &Mid Cap Fund(G)6.95Sundaram Large and Mid Cap Fund(G)6.91Aditya Birla SL Equity Advantage Fund6.46L&T Large og Midcap Fund-Reg(G)6.42ICICI Pru Large &Mid Cap Fund(G)4.67BOI AXA Large &Mid Cap Equity Fund-Reg(G)4.50IDFC Core Equity Fund-Reg(G)4.06Franklin India Equity Advantage Fund(G)3.53Nippon India Vision Fund(G)2.82UTI Core Equity Fund-Reg(G)2.71HDFC Growth Opp Fund-Reg(G)1.72
Large Cap Fund
Axis Bluechip Fund-Reg(G)10.29Mirae Asset Large Cap Fund-Reg(G)9.56BNP Paribas Large Cap Fund(G)8.43SBI BlueChip Fund-Reg(G)7.18Edelweiss Large Cap Fund(G)7.08ICICI Pru Bluechip Fund (G)6.82Invesco India Large Cap Fund(G)6.35LIC MF Large Cap Fund(G)6.33Aditya Birla SL Frontline Equity Fund(G)6.16Nippon India Large Cap Fund(G)6.02JM Large Cap Fund(G)5.94UTI Mastershare -Reg5.81Kotak Bluechip Fund5.69L&T India Large Cap Fund-Reg(G)5.61PGIM India Large Cap Fund(G)5.53HSBC Large Cap Equity Fund(G)5.42IDFC Large Cap Fund-Reg(G)4.92HDFC Top 100 Fund (G)4.65Tata Large Cap Fund(G)4.51DSP Top 100 Equity Fund-Reg(G)4.06Franklin India Bluechip Fund(G)3.96Taurus Largecap Equity Fund-Reg(G)2.38
Mid Cap Fund
Invesco India Midcap Fund(G)10.83DSP Midcap Fund-Reg(G)10.72Edelweiss Mid Cap Fund-Reg(G)10.10Kotak Emerging Equity Fund(G)10.04L&T Midcap Fund-Reg(G)10.02Tata Mid Cap Growth Fund( G)9.89Taurus Discovery (Midcap) Fund-Reg(G)9.75BNP Paribas Mid Cap Fund(G)9.29Franklin India Prima Fund(G)8.94UTI Mid Cap Fund-Reg8.79HDFC Mid-Cap Opportunities Fund(G)8.75SBI Magnum Midcap Fund-Reg(G)7,31Sundaram Mid Cap Fund(G)7,13ICICI Pru Midcap Fund(G)6,45Nippon India Growth Fund(G)6,33Aditya Birla SL Midcap Fund(G)4,83
Multi Cap Fund
Invesco India Multicap Fund(G)9.44Kotak Standard Multicap Fund(G)9.01Quant Active Fund(G)8.67SBI Magnum Multicap Fund-Reg(G)8.30UTI Equity Fund-Reg8.07Canara Rob Equity Diver Fund-Reg(G)8.07 Aditya Birla SL Equity Fund(G)8.06JM Multicap Fund(G)7.90DSP Equity Fund-Reg7.59Principal Multi Cap Growth Fund(G)7.46IDFC Multi Cap Fund-Reg(G)7.26BNP Paribas Multi Cap Fund(G)7.21 ICICI Pru Multicap Fund(G)6.12Franklin India Equity Fund(G)5.77HSBC Multi Cap Equity Fund(G)5.73L&T Equity Fund-Reg(G)5.01HDFC Equity Fund(G)4.65Baroda Multi Cap Fund(G)4.30Nippon Indien Multi Cap Fund(G)4.19LIC MF Multi Cap Fund(G)3.84Taurus Starshare (Multi Cap) Fund-Reg(G)2.24
Småkapitalfond
SBI Small Cap Fund-Reg(G)14,99DSP Small Cap Fund-Reg(G)9,15Franklin India Smaller Cos Fund(G)7,26Kotak Small Cap Fund(G)6,68HDFC Small Cap Fund-Reg(G)4,64Sundaram Small Cap Fund(G)3,76Aditya Birla SL Small Cap Fund(G)3,12HSBC Small Cap Equity Fund(G)2,99ICICI Pru Smallcap Fund(G)2,94
Fokuserede midler
SBI Technology Opp Fund-Reg9.72ICICI Pru Technology Fund(G)9.30Franklin India Technology Fund(G)8.63Aditya Birla SL India GenNext Fund(G)11.47Canara Rob Consumer Trends Fund-Reg(G)11.06Aditya Birla SL Digital India Fund (G)9.35Sundaram Rural and Consumption Fund(G)8.24Tata Ethical Fund-Reg(G)7.30SBI Magnum Equity ESG Fund-Reg6.30Invesco India PSU Equity Fund(G)5.00Franklin India Opportunities Fund(G)4.92Nippon India Quant Fund(G)4.53DSP Natural Res &New Energy Fund-Reg(G)4.20SBI Magnum Comma Fund-Reg(G)3.37Nippon India Banking Fund(G)3.15DSP India TIGER Fund-Reg(G)1.98SBI Contra Fund- Reg1.93Nippon India Power &Infra Fund(G)-1.16
Værdimidler
L&T India Value Fund-Reg(G)8.12Tata Equity P/E Fund(G)8.08ICICI Pru Value Discovery Fund(G)7.99JM Value Fund(G)6.35Nippon India Value Fund(G)5.63Aditya Birla SL Pure Value Fund (G)5.36HDFC Capital Builder Value Fund(G)5.20UTI Value Opp Fund-Reg(G)4.95Quantum Long Term Equity Value Fund(G)-Direct Plan4.23IDFC Sterling Value Fund-Reg(G)2.63Templeton India Value Fund1 .40
Kontra- og Div-udbytte
UTI Banking and Financial Services Fund-Reg2.04Invesco India Contra Fund(G)9.60Kotak India EQ Contra Fund(G)6.51Principal Dividend Yield Fund(G)7.07UTI Dividend Yield Fund-Reg(G)4.85Templeton India Equity Income Fund( G)4.54Aditya Birla SL Dividend Yield Fund(G)2.34
Internationale fonde
Aditya Birla SL Intl. Aktiefond-A(G)7,97Franklin Asian Equity Fund(G)6,84Aditya Birla SL Intl. Aktiefond-B(G)3.07Aditya Birla SL CEF-Global Agri-Reg(G)-0.48
Temafonde
UTI Transportation &Logistics Fund5.25Invesco India Financial Services Fund(G)8.29ICICI Pru Banking &Fin Serv Fund(G)7.72Sundaram Fin Serv Opp Fund(G)5.40ICICI Pru FMCG Fund(G)11.29SBI Consumption Opp Fund-Reg8. 69UTI India Consumer Fund-Reg(G)6.50Nippon India Consumption Fund(G)5.96Quant Consumption Fund(G)5.50Invesco India Infrastructure Fund(G)5.85Taurus Infrastructure Fund-Reg(G)4.31L&T Infrastructure Fund-Reg(G) 3.48BOI AXA Mfg &Infra Fund-Reg(G)3.23Kotak Infra &Eco Reform Fund(G)2.80Canara Rob Infrastructure Fund-Reg(G)2.60SBI Infrastructure Fund-Reg(G)1.98Tata Infrastructure Fund-Reg(G) 1.62UTI Infrastructure Fund-Reg0.81LIC MF Infra Fund(G)0.47Aditya Birla SL Infrastructure Fund(G)0.35ICICI Pru Infrastructure Fund(G)-0.01HSBC Infra Equity Fund(G)-0.06HDFC Infrastructure Fund(G)-0.07 Sundaram Infra Advantage Fund(G)-0.25Quant Infrastructure Fund(G)-0.78Aditya Birla SL MNC Fund-Reg(G)11.84SBI Magnum Global Fund-Reg10.80UTI MNC Fund-Reg10.53Nippon India Pharma Fund(G)12.28SBI Hele thcare Opp Fund-Reg10.39UTI Healthcare Fund-Reg8.70ICICI Pru Exports &Services Fund(G)8.71SBI Technology Opp Fund-Reg9.72ICICI Pru Technology Fund(G)9.30Franklin India Technology Fund(G)8.63Aditya Birla SL India GenNext Fond(G)11.47Canara Rob Consumer Trends Fund-Reg(G)11.06Aditya Birla SL Digital India Fund(G)9.35Sundaram Rural and Consumption Fund(G)8.24Tata Ethical Fund-Reg(G)7.30SBI Magnum Equity ESG Fund- Reg6.30Invesco India PSU Equity Fund(G)5.00Franklin India Opportunities Fund(G)4.92Nippon India Quant Fund(G)4.53DSP Natural Res &New Energy Fund-Reg(G)4.20SBI Magnum Comma Fund-Reg(G)3.37 Nippon India Banking Fund(G)3.15DSP India TIGER Fund-Reg(G)1.98SBI Contra Fund-Reg1.93Nippon India Power &Infra Fund(G)-1.16
