UTI Master Value Fund

UTI Master Value Fund is one of the average performing old funds. This fund is managed by a respected manager Anoop Bhaskar. Anoop has an exemplary track record. The fund has been consistent in its performance. This is a good fund to hold on to for the long term.

Where does UTI Master Value Fund invest your money?

UTI Master Value Fund is a small & mid cap fund which means your money will be invested in stocks of medium and small size companies. Large cap companies tend to be stable compared to mid cap and small cap companies yet the smaller companies possess potential to give kicker returns. This fund has 35% exposure to large companies, 33% exposure to medium size companies and about 31% exposure to small size companies.

Suitable for what?
  • Creating wealth
  • Lifestyle needs
Not Suitable
  • Child's education
  • Child's marriage
  • Planning for retirement
  • Short term needs
Our recommendation for fresh investment
Not Recommended
Our recommendation for existing investment
Recommended
How hasUTI Master Value Fund performed in the past?

If you had invested Rs 1 lakh when the fund was launched at July 1998, your value of investments would be around Rs 5 lakhs. If you had invested Rs 1 lakh five years back it would have become Rs 1.8 lakhs. The performance has been better or similar to other large cap mutual funds. The fund has been giving at around 13% every year for those who stayed invested for last 5 years.

Assume you had invested Rs 10,000 every month in UTI Master Value Fund through SIP for the past 5 years today you would have around Rs 8.4 lakhs.

How will UTI Master Value 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 de well. When the companies do well their stock prices follows 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 size 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.

When to review?

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

What charges apply?

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 UTI Master Value Fund is 2.20%. 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 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 tax implications?

The returns in an equity mutual fund are absolutely tax free, provided you do not withdraw within 1 year. UTI Master Value Fund does not qualify for sec 80C ELSS benefits

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