Kotak Select Focus Fund

Kotak Select Focus Fund is managed by Mr. Harsha Upadhyay, Mr.Pradeep Kumar and Mr. Abishek Bisen. The investment objective of the scheme is to generate long-term capital appreciation from a portfolio of equity and equity related securities, generally focused on a few selected sectors. This is a good fund to hold for long term.

Where does Kotak Select Focus Fund invest your money?

Kotak Select Focus Fund is a diversified multi cap fund which means most of your money will be invested in stocks of large, medium and small sized companies. Large cap companies tend to be stable compared to mid cap and small cap companies. And just to give kicker returns the fund has exposure in mid cap companies as well. Kotak Select Focus Fund has 71% exposure to large sized companies and 26.83% exposure to mid sized companies and 3% exposure to small sized companies.

Suitable for what?
  • Child’s education
  • Child’s Marriage
  • Planning for retirement
  • Home Purchase
Not suitable for what?
  • Creation of wealth
  • Lifestyle needs
  • Short term needs
How has Kotak Select Focus Fund performed in the past?

If you had invested Rs 1 lakh when the fund was launched in September 2009, your value of investments would be around Rs 1.28 lakhs. 

Assume you had invested Rs 10,000 every month in Kotak Select Focus Fund through SIP since inception today you would have around Rs 4.72 lakhs.

How will Kotak Select Focus 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 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
Recommended
Our recommendation for existing investment
Recommended
When to enter?

Now! There is no good time to invest rather than now. Do not try to time the market and especially so if it is an SIP. Do not follow news channel and other experts to know the right time to invest. In the long run it does not matter. Mutual fund is unlike a stock where you are looking at the right price. This job will be done by the mutual fund scheme manager. If you have planned your investments and decided on the amount you want to invest do not think further, just go ahead.

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.

How frequently you need to monitor the performance?

Once you invest in the fund do not get into the habit of checking the NAV daily or monthly. Review the performance once a year. Too much attention is not good.

What are the charges applicable?

Exit load of 1% is charged if units are redeemed within a year from the date of allotment. No exit load applies for units withdrawn post one year. Expense ratio of Kotak Select Focus Fund 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 an equity mutual fund are absolutely tax free, provided you do not withdraw within 1 year.

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