Mystery Of SIP Allocation: Know Where Mutual Funds Invest Your Savings – News18
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By regularly reviewing sources, you can track where your SIP money is going and ensure it aligns with your investment goals
Know how to track mutual fund portfolio
When you invest in a mutual fund through a Systematic Investment Plan (SIP), your money is pooled with contributions from other investors and strategically allocated to various assets by professional fund managers. Knowing where your SIP money is being invested is crucial for assessing if the fund aligns with your financial goals, risk appetite, and market trends. Fortunately, mutual fund houses provide transparent disclosures to help investors stay informed about their fund’s portfolio and performance. Here’s how you can track and understand the investments your mutual fund is making.
You can find out where your mutual fund is investing your SIP money by reviewing the fund’s portfolio details and disclosures. Here’s how:
1. Check the Mutual Fund’s Fact Sheet
Fund houses publish monthly factsheets that provide a snapshot of the mutual fund’s investments.
It lists:
Top equity holdings (stocks).
Sector allocations (e.g., IT, banking).
Fixed-income securities (e.g., government bonds).
Cash reserves or other assets.
2. Visit the Mutual Fund’s Website
Go to the fund house’s official website.
Look for the specific scheme’s portfolio holdings section.
Most fund houses provide updated details monthly or quarterly.
3. Refer to the Scheme Information Document (SID)
The SID provides the investment strategy and types of assets the fund invests in.
While it’s not specific to current holdings, it outlines the fund’s long-term investment philosophy.
4. Mutual Fund App/Platform
If you use an app like Groww, Zerodha Coin, or Paytm Money, these platforms often have a portfolio analysis feature that shows your fund’s investments.
5. Periodic Reports
SEBI mandates mutual funds to provide half-yearly and annual reports to investors. These reports detail:
Complete portfolio holdings.
Performance summaries.
6. Fund Manager’s Commentary
Many funds provide fund manager updates in the factsheet or through blogs/videos. These insights often explain why the fund is investing in certain sectors or stocks.
By regularly reviewing these sources, you can track where your SIP money is going and ensure it aligns with your investment goals and risk tolerance.
Disclaimer: The views and investment tips by experts in this News18.com report are their own and not those of the website or its management. Readers are advised to check with certified experts before making any investment decisions.
