Select Schemes

Picking up the right fund is one of the most crucial step that will define your investment success and thereby your financial goals. Here are some schemes cherry picked for you based on risk adjusted returns over long term. The methodology is explained below.

Equity Funds

Index & Large CapFlexi CapMid Cap & Small CapELSSBalanced & Dynamic Asset Allocation Fund
UTI Nifty 50 Index FundCanRobeco Flexicap FundAxis Midcap FundQuant Tax PlanICICI Prudential Balanced Advantage Fund
CanRobeco Bluechip Equity FundParag Parikh Flexi Cap FundKotak Emerging Equity FundDSP Tax Saver FundEdelweiss Balanced Advantage Fund
ICICI Prudential Nifty 50 Index FundSBI Flexicap FundNippon India Smallcap FundSBI Hybrid Equity Fund
HDFC Index Fund – Sensex PlanKotak Flexicap FundSBI Small Cap Fund

Fixed Income Funds for specific Investment Horizon

Liquid & Ultra Short Duration FundsLow Duration & Arbitrage FundsShort Duration FundsLonger Term Debt Funds
SBI Overnight FundICICI Prudential Savings FundICICI Prudential Short Term FundIDFC Dynamic Bond Fund
ICICI Prudential Liquid FundIDFC Low Duration FundIDFC Bond Fund – Short Term PlanICICI Corporate Bond Fund
ICICI Ultra Short Term FundSBI Magnum Low Duration FundHDFC Short Term  Fund
HDFC Medium Term Debt Fund
SBI Ultra Short Term FundKotak Arbitrage FundSBI Short Term Debt Fund

Disclaimer: This data has been sourced from an outside agency and Finsafe cannot ensure accuracy at the time of publication and creation and assumes no responsibility for any errors, which despite all precautions may be found herein. It is advisable to consult your investment advisor before investing. Finsafe shall not be liable for loss of income; loss of business profits or contracts; business interruption; loss of the use of money or anticipated savings; loss of information; loss of opportunity, goodwill or reputation; loss of, damage to or corruption of data; or any indirect or consequential loss or damage of any kind howsoever arising and whether caused by tort (including negligence), breach of contract or otherwise.

 The Reason Why ….

Picking up the right fund is one of the most crucial step that will define your investment success and thereby your financial goals. That being said, it is also one of the most overwhelming task in the whole process. Which is why, we built a Research Architectural Framework that allows us to scan over 1000 schemes and tailor it down to your requirements. As a first step, we run a quantitative check on the entire fund universe with an objective to rank the schemes from a return & risk perspective.

The table below explains the Research Methodology followed by us in choosing the funds.

Parameters1Y3Y5Y7Y
CAGR0.00%0.00%0.00%0.00%0.00% 

 

 

 

 

 

 

100.00%

Rolling Return0.00%5.00%12.50%12.50%30.00%
Standard Deviation0.00%5.00%0.00%0.00%5.00%
Beta0.00%5.00%0.00%0.00%5.00%
Sharpe Ratio0.00%7.50%0.00%0.00%7.50%
Sortino Ratio0.00%7.50%0.00%0.00%7.50%
Treynor Ratio0.00%7.50%0.00%0.00%7.50%
Jensen’s Alpha0.00%7.50%0.00%0.00%7.50%
Information Ratio0.00%7.50%0.00%0.00%7.50%
R-Squared0.00%7.50%0.00%0.00%7.50%
-ve Count0.00%5.00%0.00%0.00%5.00%
-ve Mean Return0.00%5.00%0.00%0.00%5.00%
-ve Standard Deviation0.00%5.00%0.00%0.00%5.00%
0.00%75.00%12.50%12.50%
100.00%

With a well balanced approach of applying 30% weightage to Rolling Returns & and the rest to Risk adjusted Ratios, and thereby ranking the funds, we have demystified the maze and cleared the mist for you.

Post applying this methodology, we typically end up with about 100 – 125 funds, as the top ranked from each category. Honestly, the easiest thing for us to do is to recommend these schemes to you, as it would boast well from a historical stand point. But, we don’t treat the statutory disclaimer from the regulator, ‘Past Performance is no indicator of Future Performance’, as just a disclaimer. We have it imbibed in our process. Hence, we walk an extra mile trying to find out what could potentially do well.

It begins with applying qualitative parameters such as AUM, Market Cap Break Up, Fund Manager Vintage, Expense Ratio, Exit Load, Credit Quality etc. Leading indicators such as YTM, Duration, and Sector Exposure also may be used from time to time for refining the fund selection process.

This makes us really stand out from the rest. Marrying the quantitative algorithmic process with the qualitative check run by humans – humans with decades of experience and expertise in the domain. Result is in the form of 20 – 25 schemes cherry picked for you. Some may have already done very well and 5 star rated by other agencies, some may not have. We are not just stopping by expecting you to believe what we have suggested. Instead, our analysts dived deep into these funds and have prepared a note that you would love to read.

Ratio Description

MetricsMethod of Calculation
1 Year ReturnPoint-to-point return over previous year
1/3/5/7 Year CAGRReturn over previous 1/3/5/7 years compounded annually using year-end NAVs
1/3/5/7 Year Rolling ReturnAverage of monthly returns over last 12/36/60/84 months
Standard DeviationAnnualized SD of monthly returns over last 12/36/60/84 months
Sharpe Ratio Volatility-adjusted annual performance measure, using 1/3/5/7 Year CAGR, 10 Y Benchmark G-Sec, and annualized SD over last 12/36/60/84 months
Sortino RatioNegative volatility-adjusted monthly performance measure, using 1/3/5/7 Year CAGR, 10 Y Benchmark G-Sec, and annualized SD over last 12/36/60/84 months
Treynor RatioSystematic risk-adjusted annual performance measure, using 1/3/5/7 Year CAGR,
10 Y Benchmark G-Sec, and beta calculated over last 12/36/60/84 months using different benchmarks (CNX Nifty, CNX Midcap, and BSE 200 as applicable)
Information RatioBenchmark-relative monthly performance measure adjusted for volatility over benchmark return using monthly returns over previous 12/36/60/84 months
Jensen’s AlphaActual monthly return minus theoretical expected monthly return using CAPM model, annualized, using monthly returns over previous 12/36/60/84 months
R-SquaredPortion of actual monthly return explained by the relevant benchmark monthly return over last 12/36/60/84 months
BetaExtent to which scheme return moves with market return adjusted for market risk over previous 12/36/60/84 months
Negative CountNumber of months in which scheme return was negative out of the months when CNX Nifty monthly returns were less than -1% over previous 12/36/60/84 months
Mean ReturnAverage of monthly scheme returns over the months when CNX Nifty monthly returns were less than -1% over previous 12/36/60/84 months
Standard DeviationSD of monthly scheme returns over the months when CNX Nifty monthly returns were less than -1% over previous 12/36/60/84 months
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