Birla Sun Life Commodity Equity Fund- Global Precious Metals Plan

Birla Sunlife Commodity Equity Fund- Global Precious Metals Plan is managed by Mr. Atul Penkar and Mr. Vineet Maloo. It is a Fund that provides exposure to commodities, by investing in handpicked commodity companies worldwide, that have business exposure to Precious metals. This fund has given a pathetic performance. Existing investors can exit this fund now and new investors can skip this fund for a better performing fund in this category.

Where does Birla Sunlife Commodity Equity Fund- Global Precious Metals Plan invest your money?

Birla Sunlife Commodity Equity Fund- Global Precious Metals Plan will be investing in stocks issued either in India (upto 35%) or overseas (atleast 65%) of specific commodity focused companies, and overseas mutual fund schemes (upto 35%) having similar investment objectives.

Suitable for what?
  • Creating wealth
  • Lifestyle needs
Not suitable for what?
  • Child's education
  • Child's marriage
  • Planning for retirement
  • Home Purchase
How has Birla Sunlife Commodity Equity Fund- Global Precious Metals Plan performed in the past?

If you had invested Rs 1 lakh when the fund was launched in Nov 2008, your value of investments would be around Rs 79332. The performance has been worse compared to other funds in this category. The fund has been giving around -4.08% returns for those who have stayed invested since inception. 

Assume you had invested Rs 10,000 every month in Birla Sunlife Commodity Equity Fund- Global Precious Metals Plan through SIP since inception today you would have around Rs 4.06 lakhs.

How will Birla Sunlife Commodity Equity Fund- Global Precious Metals Plan perform in the future?

Needless to say no one can predict the future of markets. We have firm belief in the future prospects of the Indian economy. If the Indian economy grows at 9% then the leading companies tend to do well. When the companies do well their stock prices follow their performance. So if you expect the economy to grow at 8% then you can expect top performing mutual funds to give you returns in excess of 14%.

Mutual fund schemes that have exposure to mid-sized companies tend to show results when their bet on few companies comes true. We advise you to avoid too much of star gazing and future prediction. Be reminded that equities are one of the asset classes that have the potential to beat inflation. Your aim for core portfolio should be to beat inflation.

Our recommendation for fresh investment
Not Recommended
Our recommendation for existing investment
Not Recommended
When to exit?

Withdraw when your goals are close to achievement. Do not remove the money when the markets go up or down. Do not panic. Stick to your goals.

What are the charges applicable?

A onetime fee of Rs 100 is charged on investments over Rs 10, 000 made through distributors. If you are a first time investor in mutual funds an additional Rs 50 is charged to cover KYC expenses. This is deducted from your investment and can be skipped if you buy directly from the mutual fund via their website or offices.

If units are sold within 30 days from the date of allotment an exit load of 3% is charged. If units are sold after 30 days but within a year from the date of allotment an exit load of 1% is deducted from your total returns. No exit load applies for units withdrawn post one year. Expense ratio of Birla Sunlife Commodity Equity Fund- Global Precious Metals Plan is 2.85%. This is charged to recover the fund management company’s expenses on securities’ transactions, commissions, registrar fees, etc. Your mutual fund returns will be total returns less expense ratio.

What are the tax implications?

The returns in a mutual fund are absolutely tax free, provided you do not withdraw within 1 year. 

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