{"id":314,"date":"2019-11-07T11:42:00","date_gmt":"2019-11-07T06:12:00","guid":{"rendered":"http:\/\/blog.budwisefunds.com\/?p=314"},"modified":"2020-12-07T16:07:07","modified_gmt":"2020-12-07T16:07:07","slug":"dont-keep-on-chasing-top-mutual-performers-budwisefunds","status":"publish","type":"post","link":"https:\/\/budwisefunds.com\/blog\/dont-keep-on-chasing-top-mutual-performers-budwisefunds\/","title":{"rendered":"Don\u2019t keep on chasing top mutual performers"},"content":{"rendered":"\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\">If you are among those investors who started investing in mutual funds 2-3 years back then you might be feeling discouraged with the kind of returns equity mutual funds have generated over the past few years.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/bestmutualfunds.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">Best Mutual Funds<\/a><\/span><\/strong><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"> The problem would have been worse if you have invested in smallcap and midcap mutual fund schemes.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"> But wait; are you thinking of getting rid of your previous schemes and want to switch your existing investments towards those schemes which are performing and probably are on top?<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"> Then, think again, before taking any decision regarding switching funds.<\/span><\/p>\r\n<p><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script> <ins class=\"adsbygoogle\" style=\"display: block; text-align: center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-6495755798120621\" data-ad-slot=\"6499025866\"><\/ins> <script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\">Even SIP returns have also started going into negative territory except for the few funds. This has caused misery to those investors who had initiated SIP thinking that they are risk-free and can generate superior returns. Well actually, SIP only helps you to ride through the volatility; it can never eliminate the underlying risk of the equity markets. However, one should not shun equities just because they are volatile in nature as these are the only asset class which can generate superior risk-adjusted returns.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\">So, now coming back to our main discussion that why you should not switch your non-performing schemes too frequently and chase top performers. These are explained below:-<\/span><\/p>\r\n<ul style=\"text-align: justify;\">\r\n<li><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"><strong>BE PREPARED<\/strong> &#8211; Equity as an asset class is volatile in nature. And hence one should always be ready for situations when your returns might be even negative. But one should not be taken aback if you see negative returns as it might be a temporary blip.<\/span><\/li>\r\n<li><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"><strong>UNDERSTAND THE REASON WHY THE SCHEME IS NOT PERFORMING<\/strong> \u2013 Not only the economy or equity markets move cyclically, but the mutual fund schemes also move in the same manner. The reason behind this is that the fund managers&#8217; investment view differs from each other and hence the underlying securities of the particular scheme may take time to play out.<\/span><\/li>\r\n<li><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"><strong>GIVE TIME TO YOUR INVESTMENTS<\/strong> &#8211; You should not hop from one scheme to another within a short span of time. It will not only lead to churning cost but also restrict you from earning returns. Trust the fund manager, who is there for you, he himself will change the asset allocation if required.<\/span><\/li>\r\n<li><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"><strong>TOP PERFORMING SCHEME MAY NOT ALWAYS REMAIN ON TOP \u2013 <\/strong>An investor should not chase returns and also not an outperforming scheme. A scheme that is currently on top and outperforming, might or might not perform and generate the same returns in the future. Hence, one should stick with a scheme as long as it is beating its benchmark and category average returns.<\/span><\/li>\r\n<li><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">For your better understanding, we have analyzed two schemes \u2013 Kotak Equity Opportunities Fund and Kotak Emerging Equity Fund. In both the schemes, the individuals are investing Rs 10,000 through SIPs across different time periods.<\/span><\/li>\r\n<\/ul>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/www.mutualfundssahihai.com\/en\/what-kind-returns-should-one-expect-mutual-funds\" target=\"_blank\" rel=\"noopener noreferrer\">Mutual Fund Sahi Hai<\/a><\/span><\/strong><\/p>\r\n<h2 style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"><strong>Kotak Equity Opportunities Fund<\/strong><\/span><\/h2>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\">The scheme invests in a mix of both large and mid cap companies. The scheme was launched on 9<sup>th<\/sup> Sep, 2004. Since inception the scheme has generated returns of around 17.74% on CAGR basis. The scheme is a consistent outperformer in its category. The current fund manager of the scheme is Mr. Harsha Upadhyaya. Also, the AUM of this scheme is currently standing at 2577.47 Cr.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"><img loading=\"lazy\" class=\"wp-image-327  aligncenter\" src=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/Capture14.png\" alt=\"\" width=\"566\" height=\"769\" srcset=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/Capture14.png 396w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/Capture14-221x300.png 221w\" sizes=\"(max-width: 566px) 100vw, 566px\" \/><\/span><\/p>\r\n<h2 class=\"entry-title\"><strong><span style=\"font-size: 24px;\">Also Read: <\/span><\/strong><a href=\"https:\/\/budwisefunds.com\/blog\/are-equity-mutual-funds-risky\/\" rel=\"bookmark\">Are equity mutual funds risky?<\/a><\/h2>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"><img loading=\"lazy\" class=\"wp-image-328  aligncenter\" src=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/Capture15.png\" alt=\"\" width=\"581\" height=\"255\" srcset=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/Capture15.png 385w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/Capture15-300x132.png 300w\" sizes=\"(max-width: 581px) 100vw, 581px\" \/><\/span><\/p>\r\n<h2 style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"><strong>Kotak Emerging Equity Mutual Fund<\/strong><\/span><\/h2>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\">This scheme invests predominantly in mid cap companies and was launched on 30<sup>th<\/sup> Mar, 2007. The current fund manager of the scheme is Mr. Pankaj Tibrewal. The current AUM of this scheme is around 4500 Cr. The scheme is an outperformer in the past 5 years.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"><img loading=\"lazy\" class=\"wp-image-330  aligncenter\" src=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/Capture16.png\" alt=\"\" width=\"598\" height=\"819\" srcset=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/Capture16.png 393w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/Capture16-219x300.png 219w\" sizes=\"(max-width: 598px) 100vw, 598px\" \/><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"><img loading=\"lazy\" class=\"wp-image-332  aligncenter\" src=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/Capture17.png\" alt=\"\" width=\"628\" height=\"286\" srcset=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/Capture17.png 393w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/Capture17-300x137.png 300w\" sizes=\"(max-width: 628px) 100vw, 628px\" \/><\/span><\/p>\r\n<p><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script> <ins class=\"adsbygoogle\" style=\"display: block; text-align: center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-6495755798120621\" data-ad-slot=\"6499025866\"><\/ins> <script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/p>\r\n<h3 style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\"><strong>CONCLUSION<\/strong><\/span><\/h3>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"color: #000000; font-size: 20px;\">As you can see above, if the individuals remained invested for just few more periods(13 months), then they would have gained much higher returns than quitting their SIPs in between. Hence, we can draw an inference that a person would be able to convert his nominal losses into superior returns if they keep investing and remain invested for long period. All that is required is a little patience and courage on the part of investors and returns will follow you then.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/www.financialexpress.com\/money\/your-money-what-makes-investors-chase-certain-stocks\/2108503\/\" target=\"_blank\" rel=\"noopener noreferrer\">Financial Express<\/a><\/span><\/strong><\/p>\r\n<p><img loading=\"lazy\" id=\"dkoctmp\" class=\"size-medium wp-image-562 aligncenter\" src=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-300x88.png\" alt=\"\" width=\"300\" height=\"88\" srcset=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-300x88.png 300w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1024x299.png 1024w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-768x224.png 768w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1536x449.png 1536w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-2048x598.png 2048w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1200x350.png 1200w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1980x578.png 1980w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>If you are among those investors who started investing in mutual funds 2-3 years back then you might be feeling discouraged with the kind of returns equity mutual funds have&hellip; <\/p>\n","protected":false},"author":1,"featured_media":2139,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Don\u2019t keep on chasing top mutual performers | Budwisefunds<\/title>\n<meta name=\"description\" content=\"If you are among those investors who started investing in mutual funds 2-3 years back then you might be feeling discouraged with the kind of returns\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/budwisefunds.com\/blog\/dont-keep-on-chasing-top-mutual-performers-budwisefunds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Don\u2019t keep on chasing top mutual performers | Budwisefunds\" \/>\n<meta property=\"og:description\" content=\"If you are among those investors who started investing in mutual funds 2-3 years back then you might be feeling discouraged with the kind of returns\" \/>\n<meta property=\"og:url\" content=\"https:\/\/budwisefunds.com\/blog\/dont-keep-on-chasing-top-mutual-performers-budwisefunds\/\" \/>\n<meta property=\"og:site_name\" content=\"Budwisefunds Blog\" \/>\n<meta property=\"article:published_time\" content=\"2019-11-07T06:12:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-12-07T16:07:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/11\/top-mutual-performers.png\" \/>\n\t<meta property=\"og:image:width\" content=\"390\" \/>\n\t<meta property=\"og:image:height\" content=\"261\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Budwisefunds\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/budwisefunds.com\/blog\/#website\",\"url\":\"https:\/\/budwisefunds.com\/blog\/\",\"name\":\"Budwisefunds Blog\",\"description\":\"Personal Finance &amp; 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