Mutual Funds:: Is it a good time to buy now?

Question

Mutual Funds:: Is it a good time to buy now?
I have a couple of SIPs of some top rated funds(ref. Value Research Online). But currently when I check at my ICICI Direct account, all are going through huge negative returns. Will it be a good option to invest some extra on those funds assuming that future rise in NAV will give me good returns ? Please suggest as I have very less knowledge about the market.

Answer 1

If you're a long term investor, it's always a good time to buy a good mutual fund.

Answer 2

It sounds like you should do a lot more reading before doing any more investing.

One thing you need to have before buying anything is a goal.

What is your goal? To save money for retirement? To have money for a house?

Once you have figured out your goal, you then have the next most important thing:
A time horizon. In simpler english: A time limit for your investment. This will be when you will start needing the money.

Always remember the basic tenet of finance:
RISK=REWARD
The higher the risk of the investment, the greater the return. The more time you have before you need the money, the better. The best strategy is simply buy and hold. Worry too much about trading and making a quick buck and you will eat up all your gains through transaction fees.

One thing that will suck your money away faster than you might think:
Mutual funds with large management fees. A fund that makes 10% a year, but the management fees suck out most of that gain means that you would have been better off having your money in a bank.

Your best bet is to do some research on funds with low or no load and go that way. Buy and hold.

I would recommend starting by reading up on how to set financial goals. Personal finance section of Yahoo is great for that. I view my time reading through finance sections as a second job that pays very well.

Answer 3

Nobody can predict the market. The best strategy is long term value investing (that's what made Warren Buffet rich). There are only a hand full of people in the world that have or can "beat the market" by timing their trades - chances are you as a private individual will never do it.

If you need access to your funds make short term liquid investments - i.e. money market acccounts, CD's, short-term bonds, etc. If you are investing for the long haul (10+ years) don't worry so much about timing. Put your money into solid investments and stay in, don't worry about every little hiccup in the market. Now is as good a time as any.

Take advantage of foreign investments, they have been and will continue to earn better returns than the US - especially emerging markets. They are riskier but a properly balanced portfolio that includes foreign investments will likely have much greater returns that one that is invested strictly in US assets.

I can't tell you all the ins and outs of investing in one short answer - you need to determine your goals and do some research to determine the best type of investments to make. I recommend you look at sites like fool.com and read some books (anything you can find by Warren Buffet). I think his strategies are the best - they're easy to understand and will always beat the slicksters on wall street trying to make a quick buck over the long haul.

A place to start (for free) is Warren Buffet's annual reports: http://www.berkshirehathaway.com/reports.html He always includes letters to his shareholders with very insightful analogies and recommendations on the market.

Hope that helps.

Answer 4

Listen to Robert Kiyosaki when he says that Mutual Funds and IRA's are high risk. The reason for this is that you have no controll. Hell, your broker has no control. You should be investing in things like Forex and Real Estate. There you have full control of your assets. In the Forex where I trade I can cash out as much as I want and actually have the money in my account within the hour. Stocks, not the same. Mutual Funds, not the same. Do you realize why the banks pay you for giving them your money for mutual funds, CD's, etc...?
It is because they are investing your money into real estate and Forex trading. Take those profits for yourself. You should learn about the forex and get into a system that gives you full control but does not take your time away.
I use FreedomRocks as my advisor system and GFT as my trading platform. I have spreadsheets showing over 500% ROI for the past 500 days of investing with this system. http://www.yourforexinvestor.com
I aslo use http://www.babypips.com for gaining knoweldge about the forex market and what different things mean.
There is a learning curve but it doen not have to be hard.
To your success,
Brandon Wells
1-877-773-5345
[e-mail]

Answer 5

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Answer 6

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An option has only two outcomes (hence the name “binary” options). This is because the value of an asset can only go up or down during a given time frame. Your task will be to predict if the value of an asset with either go up or down during a certain amount of time.

Answer 7

it would help if you list the funds you have. They may be total dogs and you want to sell them and pick better ones.