Have mutual funds in India been able to meet expectations of retail investors?

You are absolutely right Sir.
The ban on commission to agents has made them look for alternative products to sell to the investors.
Can anyone live with 0%?

In Insurance, the commission goes upto 40%, (sometimes it is 60%) and still media and SEBI after the Mutual Fund commissions, which was a paltry 2% and this has been made Zero.
Yes, of course, AMCs pay from their pocket, a paltry 0.5% but is this enough.

Sir,
We need to educate the public about these commissions and also the hidden charges by the Insurance companies.

Now, do not get me wrong about being harsh on Insurance ULIPs. I am a Insurance Advisor/Agent too.

I am mainly concerned about the education of investors.

Is Insurance Companies passing on the profit, sir????

I would rather say Yes. Otherwise, MFs would not have grown in size and stature. We need MFs to grow even bigger, as the vulnerability of the stock markets to hot money flows from FIIs is some what undesirable. Domestic MFs make a lot of difference to market stability and retail participation. Returns are a function of valuations and time horizons chosen by the investors and funds. MFs cannot give the returns a trader would expect. Let us remember that the retail investors are taking risks beyond their real appetite whether it is stocks invested in or Mutual Funds. What is needed is a reliable and affordable intermediary service that offers services independent of distribution of the funds, duly risk profiling the investor and offering advices for a small fee. As long as the distributors do this role or the investors take to an uninformed choice in terms of asset allocation and time horizon, there is going to be a disconnect. Secondly, the atrocity of costs of funds - regulators need to continue to control this as well as costs of wealth management services as well. There is scope for reforming these players in the market.

The return for 3 years mutual funds investments is still negative.  Thsese meant for long term investors to gain in mu6tual funds.  Most of the liquid funds are giving yield of 4 - 5%.  Hence Mutal fund AUMs have become lessor in the last 3 years.

This is mainly due to market movement is range bound .  People  have to pur beleif in the India long term story of glowing economy.

I feel Systematic Investment plan is better at the present environment.  It will also give smart return over the period of 5 years. 

Expectation/s have no bounds ... one may want to double the investment in eighteen months .... !

---  first thing, Mango and 'mango-shake' is not equal.

--- ( If things permit U .. ) ..  Share Market and Mutual Fund is not equal

Now, we know who should approach MFs. Before that we may exclude :  Bank / Co  FDs , Bonds like safe investments where return must be lower

... 2be continued

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absolutely  jyoti

MF are strongly designed for big  investors and retail get only the scrap from the rest.

A strong yes.  A customer backed with a professional unbiased financial advise from a FINANCIAL PLANNER or a equity analyst has benefitted from the equity markets...

Returns always depend on when and how an investor enters the market. If the entry to market is through systematic plans, then it works best. Equity markets are only for the long term players, and they have always earned better as compared to bank FDs, around the globe.

Happy investing..

VAMANA ORG.

If you sum the tax shield and the gains, it is not a losing proposition.