A ‘Meh’ month for Funds – My Mutual Funds for December’19

Overall December'19 was an average month for my mutual fund investments. My current returns is ~Rs.2300, a return of 2.3% in 3 months and 9.4% annualized.
Mutual fund investments and financial independence and retire early in india

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

Current NAV here

All updates for the month of December’19:

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Abhi is a 29 yr old Indian, on FIRE to retire by 40. He has been investing and learning Finance for the past 12 years. After completing Mechanical engineering, he started working in a multi-national Bank and grew to become an AVP. Currently with an IT MNC as a VP. He lives in Bangalore with his wife and their 1 year old daughter. In his free time, Abhi loves to game on the Xbox, watch movies, read and blog.

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