HDFC Life Pension Ad: Taaki kal, bilkul aaj jaisa ho – How true!

HDFC Life Pension’s advertisement promises that your tomorrow will be just as today if you buy its pension plans. Well, tomorrow will surely be as messed up as today if you fall for it. The wise guy in the advertisement has got it all wrong—present and future 
Read full article: HDFC Life Pension Ad: Taaki kal, bilkul aaj jaisa ho – How true! - Moneylife

Mutual Funds - Direct investment through AMCs

I am starting this topic to help investors willing to move to Direct investment mode, but not sure how to do. I assume, the investor is 'KYC Verified' by CVL / CAMSKRA. If that is not the case, please get your KYC done, first. Please feel free to add the process for any other fund house.
FAQs on Direct plans: set 1 set 2 set 3

Quantum Mutual fund

/* Quantum MFs are always DIRECT, even if you buy through a distributor. But, you can still save the transaction charges, by directly using Quantum's website  */

New investors (I dont have a Quantum folio number):

Can I Open a new folio online? - Yes
Need to walk-in to AMC Office? - No
Need to send any documents by Post? - No

Go to the below link, choose your fund, make the payment, Get an online login.

Existing investors (I already have a Quantum folio number)

Go to the below link, provide your existing folio details, get online login.

Reliance Mutual fund

New investors (I dont have a Reliance folio number):

Can I Open a new folio online? - Yes
Need to walk-in to AMC Office? - No
Need to send any documents by Post? - Yes

Please use the below link to make a first time investment in Reliance mutual fund.

You will have to fill the form online (don't forget to provide EMAIL address and MOBILE number), make online payment. Finally, print the form, attach PAN copy and send to Reliance AMC office by post.
Once you know the Folio number, use the below process to get online PIN.

Existing investors (I already have a Reliance folio number)

Please use the below link to get the PIN for online login

Once you get the login / password, login to the below link for direct investments: https://converz.karvymfs.com/relianceonline/Default.aspx

UTI Mutual fund

New investors (I dont have a UTI folio number):

Can I Open a new folio online? - Yes
Need to walk-in to AMC Office? - No
Need to send any documents by Post? - Yes

Go to the below link, choose your fund, Make the payment, Get an online login
Once you do that, you will get a document by email, which you have to sign, send it by post to Karvy office along with a copy of your PAN.
/* My suggestion is to send by Speedpost */

Existing investors (I already have a UTI folio number)

Provide your existing folio details in the below link, and get a login

/* The only drawback I see in UTIMF online is:
Once you create a SIP, you cannot cancel it online. You have to send a letter by post to the registrar office.
Otherwise, you can do all kinds of transactions.
*/

ICICI Prudential AMC

New investors (I dont have a ICICI folio number):

Can I Open a new folio online? - No
Need to walk-in to AMC Office? - No
Need to send any documents by Post? - Yes

Please fill an application form, attach Cheque, KYC verification copy and send by post. Wait for a week to get the folio number by email. Please don't forget to provide your MOBILE number and EMAIL address in the application form. 

What has to be sent

Once you get the folio number, follow the below process to get ICICI Pruamc online login.

Existing investors (I already have a ICICI folio number)

Please follow the process mentioned in the below link to get a online login for ICICIPruamc.com


If your email address is not registered in the ICICI Pru folio, please use below link first, to register your email id.

HDFC fund

New investors (I dont have a HDFC folio number):

Can I Open a new folio online? - No

Directly walk-in to a HDFC Bank or HDFC AMC office or CAMS office, make a first minimum investment in a HDFC fund you prefer. Along with the documentation, ensure that you provide your MOBILE number and EMAIL address.

Or, If you know a broker / distributor (or have a demat account), make a first minimum investment in a HDFC fund you prefer.

The above step is to first get a Folio number, so that you can start investing directly through hdfcfund.com

Existing investors (I already have a HDFC folio number)

If you also have a HPIN, directly login to the below link for direct investments: https://investor.hdfcfund.com/mfonline/

If you don't have a HPIN,

Please fill the below form and send it to CAMS office by Post. Please provide your email address also (if the email address is not already registered with the folio). You will receive the HPIN through email. Using the HPIN, you can start using hdfcfund.com online.

HPIN request form:

CAMS office Address:

SBI Mutual fund

New investors (I dont have a SBI MF folio number):

Can I Open a new folio online? - No

Directly walk-in to CAMS Office or SBI MF AMC office, make a first minimum investment in a fund you prefer. Along with the documentation, ensure that you provide your MOBILE number and EMAIL address.

Or, If you know a broker / distributor (or have a demat account), make a first minimum investment in a SBI fund you prefer.

The above step is to first get a Folio number, so that you can start investing directly through sbimf.com

Existing investors (I already have a SBI MF folio number)

Please use the below link to get the user id / password

Once you get the login / password, login to the below link for direct investments: https://www.sbimf.com/INVESTORCENTER/ASPX/frmlogin.aspx

Kotak mutual fund

New investors (I dont have a Kotak folio number):

Can I Open a new folio online? - No

Directly walk-in to CAMS office, make a first minimum investment in a Kotak fund you prefer. Along with the documentation, also submit a online PIN request form, that will help you to directly login to kotak mutual website.

Or, If you know a broker / distributor (or have a demat account), make a first minimum investment to get a folio number and follow the below process for existing folio.

Existing investors (I already have a Kotak folio number)

If you also have a PIN, directly login to the below link for direct investments: 

If you don't have a PIN,

Please fill the below form and send it to CAMS office by Post. You will receive the PIN through Post. Using the PIN, you can start investing online.

PIN request form:

CAMS office Address:

IDFC Mutual Fund

New investors (I dont have a IDFC folio number):

Can I Open a new folio online? - No
Need to walk-in to AMC Office? - No
Need to send any documents by Post? - Yes

Please fill an application form, attach Cheque, KYC verification copy and send by post. Wait for a week to get the folio number by email. Please don't forget to provide your MOBILE number and EMAIL address in the application form. 

What has to be sent

Or, If you know a broker / distributor (or have a demat account), make a first minimum investment through them to get a folio number and follow the below process for existing folio.

Existing investors (I already have a IDFC folio number)

Please register in the below link and login
https://mfonline.idfcmf.com
If you want to update the email address / mobile number, please follow the process mentioned in below link
http://www.idfcmf.com/Existing%20Investors/managecontactsettings.aspx

V Mart retail IPO - offer price 210 - listing on Feb 18?

I have got the V Mart retail ipo, which was open for IPO with a price band 195-215, has fixed the offer price at Rs.210.
I have got 66 shares allotted to my demat account. will it be listing on Monday Feb-18 or Wednesday Feb 20?

Getting it Wrong...Always

An exhaustive study reveals that due to several behavioral biases, Indian retail investors lose money even when odds are stacked in their favour..
Read the full article: Getting it Wrong...Always - Value Research: The Complete Guide to Mutual Funds:

Time for value funds?

Proponents of value investing rarely find mutual fund option that rides on this proven strategy. Given the growth opportunity that Indian stocks present, most funds here are predominantly growth-oriented. However, the small set of value-oriented mutual funds (See: Value for investment), has slowly started to leave...

Read more: Time for value funds? - Value Research: The Complete Guide to Mutual Funds

Should you buy 'Child' plans?

If you love your children, buy our product. As product pitches go, it’s simple, direct and manipulative. Unfortunately, it’s also far too widely used. While I have nothing to say on the merits or otherwise of health drinks or educational aids or even cars (!) that use this tack, financial products are another matter. Products that use the children..
Read full article: The Illusion of Children-Specific Products - Value Research: The Complete Guide to Mutual Funds

Banking sector mutual funds - a comparison

It is a well known fact that the banking sector is the engine of any economy and many a times it is the change in fortunes of this sector that results in the market surge. This year, the Bank Nifty is up 52.58 per cent compared to the 27.15 per cent gain by Nifty in the same period. The best banking sector fund..
Read full article : Look before you leap (Value research online)

Stick to SIP investments; don't lose faith due to market volatility

Five years is a fairly long time. During this period, you could climb a few rungs of the corporate ladder, upgrade from a hatchback to a luxury sedan or move into a bigger apartment. You could even.. 
Read Full article on Economic Times: Stick to SIP investments; don't lose faith due to market volatility - The Economic Times:

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