DSP BlackRock Technology.com Fund

DSP BlackRock Technology.com Fund is an average performing fund in its category. This fund is managed by Harsha Upadhyay since September 2011. If you already hold units in this fund exit now. New investors can skip this fund for better performing funds in this category. Investing in sectoral funds is risky and such funds should only be part of a satellite portfolio.

Where does DSP BlackRock Technology.com fund invest your money?

DSP BlackRock Technology.com Fund is a multi cap technology fund which means your money will be invested in companies in the technology business across market caps. The fund’s portfolio is concentrated in the software sector. It also has allocations in Telecom services, Media & Entertainment, Hardware and ISP. Its portfolio has about 65.39% exposure to stocks of large cap companies, 17.79% to stocks of mid cap companies and 16.82% to stocks of small cap companies.

Suitable for what?
  • Creating wealth
  • Lifestyle needs
Not suitable for what?
  • Child's education
  • Child's marriage
  • Planning for retirement
  • Buying House
Our recommendation for fresh investment
Not Recommended
Our recommendation for existing investment.
Not Recommended
How has DSP BlackRock Technology.com Fund performed in the past?

If you had invested Rs 1 lakh when the fund was launched in May 2000, your value of investments would be around Rs 2.89 lakhs. If you had invested Rs 1 lakh five years back it would have become Rs 1 lakhs. The performance has been not better or similar to other mutual funds in this category. The fund has been giving at around .166% every year for those who stayed invested for last 5 years. 

Assume you had invested Rs 10,000 every month in DSP BlackRock Technology.com Fund through SIP for the past 5 years today you would have around Rs 6.82 lakhs.

How will DSP BlackRock Technology.com fund 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 follows their performance. So if you expect the economy to grow at 9% then you can expect top performing mutual funds to give you returns in excess of 15%. 

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 satellite portfolio should be to beat inflation and generate higher returns than from the core portfolio.

What charges apply?

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 a year an exit load of 1% is deducted from your total returns. No exit load applies for units withdrawn post one year. Expense ratio of DSP BlackRock Technology.com Fund is 2.97%. 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.

When to exit?

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

What are the tax implications?

The returns in a mutual fund are absolutely tax free, provided you do not withdraw within 1 year. DSP BlackRock Technology.comFunddoes not qualify for sec 80C ELSS benefits.

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