A 'Meh' month for Funds - My Mutual Funds for December'19

The month of December’19 was pretty dry for Mutual funds. Not much of a loss, but not too big a profit either. My investment in mutual funds have a total of Rs.2,358 return on my total investment of Rs. 1,03,513. That is just about 2.3%, and about 9.4% return when annualized. Not the best return on investment, but still, it is somewhat assured that I get this every month. Not like stocks that go up, down and sometimes die!

December’19 my Mutual Fund Investments

Income from Mutual funds in December 2019

Overall as of 20th November’19 my Mutual fund investments are showing an Annual Return of 11.6%. This is not so bad compared to Fixed deposits. However, truth be said, it is not enough. I need to make it 14% or more. To meet my 5-to-5-in-12 challenge, all my investments need to make a minimum of 1% per month. Only at this pace can I make it to Rs.5 crores in 12 years.

Withdrawal of Rs.1,00,000 to help a friend

One of my friends had an medical emergency in the family and needed some money urgently. I liquidated Rs.1,00,000 from my Franklin Templeton Debt fund. I got the money within a day! That is how liquid debt funds are. Seriously, stop putting money into Fixed deposits for 6% when debt funds are paying you 9% and more

Hence, you will see that one lakh reduced from here and added into my alternate investment portfolio.

Fresh investments in November’19

I’ve added Rs.22,000 to various funds this month. I will continue adding Rs.22,000 from my salary into these funds. Unless, there is some emergency or I divert some of this to a different investment. Except the 1 lakh I withdrew, I have not moved or reallocated any funds in December’19.

You must store away a part of your income into a mutual fund. Some portion, not all. This is a stable and steady income platform. This is one of the best ways to save for children education or marriage or if you want to retire early. This Rs.22,000 I add every month may seem small. But if you look at it, in a year that totals to Rs. 2,64,000 and not to mention the returns that come out of it.

Mutual Fund Investment portfolio as of 31th December’19

Total	Type	Total Invested	Value October’19	Invested in Nov’19	Value November’19	ROI Nov’19	Invested in Dec’19	Value Dec’19	ROI Dec’19	Total Profits
Franklin India Ultra Short Bond Fund	Debt	10776	103813	0	105530	9.6%	-95000	10896	9.4%	120
SBI Focused Equity Fund	Multi Cap	30004	26668	1668	29147	33.8%	1668	31000	20.0%	996
Axis Midcap Fund	Mid Cap	33332	26666	0	27214	22.4%	6666	33969	12.0%	637
Nippon India Small Cap	Small Cap	7900	3900	2000	6009	5.9%	2000	8095	7.8%	195
L&T Midcap Fund	Mid Cap	6000	2000	2000	4132	15.6%	2000	6167	12.4%	167
HDFC Small Cap Fund	Small Cap	6000	2000	2000	3891	-11.8%	2000	5869	-9.1%	-131
L&T India Value Fund	Value	4998	1666	1666	3473	22.5%	1666	5186	18.0%	188
DSP Midcap Fund	Mid Cap	3000	1000	1000	2093	22.6%	1000	3144	22.0%	144
Nippon India Liquid Fund	Debt	1503	1503	0	1538	6.1%	0	1545	6.1%	42
Total		103513	169216	10334	183027	11.6%	-78000	105871	10.4%	2358