{"id":3974,"date":"2019-12-05T06:13:55","date_gmt":"2019-12-05T06:13:55","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=3974"},"modified":"2021-12-15T10:53:33","modified_gmt":"2021-12-15T10:53:33","slug":"understanding-equity-mutual-fund-factsheet","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/understanding-equity-mutual-fund-factsheet\/","title":{"rendered":"Understanding Equity Mutual Fund Factsheet"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d348db05ffd\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d348db05ffd\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/understanding-equity-mutual-fund-factsheet\/#Fund_Factsheet_-_Definition\" title=\"Fund Factsheet &#8211; Definition\">Fund Factsheet &#8211; Definition<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/understanding-equity-mutual-fund-factsheet\/#How_to_read_a_fund_factsheet\" title=\"How to read a fund factsheet\">How to read a fund factsheet<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/understanding-equity-mutual-fund-factsheet\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/understanding-equity-mutual-fund-factsheet\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/nav><\/div>\n<h4><span class=\"ez-toc-section\" id=\"Fund_Factsheet_-_Definition\"><\/span><strong>Fund Factsheet &#8211; Definition<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>A Fund factsheet is an easy to understand general information document about a particular Mutual fund scheme which helps the investor in making a well-informed decision. It provides answers to questions like \u2018where is the money being invested\u2019, \u2018which stocks were added or removed during a particular time period\u2019, \u2018who is the Fund Manager\u2019, \u2018how has the fund performed\u2019 etc.<br \/>\nFund Houses are required to disclose the factsheets on a monthly basis.<\/p>\n<p>An investor should always endeavour to get an answer to these questions before investing in a particular Mutual Fund. For both potentials as well as existing investors, the fund factsheet is a key source of information, numbers, terminologies and disclosures related to the scheme.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"How_to_read_a_fund_factsheet\"><\/span><strong>How to read a fund factsheet<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>The factsheet can be divided into broad categories &amp; subcategories:<\/p>\n<p><strong><u>General Information<\/u><\/strong><\/p>\n<p>This provides the scheme\u2019s basic information like :<\/p>\n<p>Objective<br \/>\nCategory \u2013 if it is \u00a0Large Cap, Small Cap, Mid Cap, Multi Cap etc<br \/>\nNet Asset Value (NAV)<br \/>\nPlan options \u2013 Direct, Growth, Dividend etc<br \/>\nAssets Under Management (AUM)<br \/>\nBenchmark Index like &#8211; NIFTY 50, S &amp; P BSE 500, NIFTY Small-cap 100 etc<br \/>\nMinimum amount \u00a0(SIP &amp; Lump sum)\u00a0&amp; the Exit-load<\/p>\n<p>There is scheme\u00a0Riskometer\u00a0or the Product Label which indicates level of risk associated with the scheme.<br \/>\nThe risk is depicted as \u2013<br \/>\na)\u00a0Low<br \/>\nb) Moderately Low<br \/>\nc) Moderate<br \/>\nd) Moderately High<br \/>\ne) High<\/p>\n<p>Most of the equity funds are categorized as\u00a0Moderately High\u00a0or\u00a0High\u00a0due to the volatility associated with markets.<br \/>\nProduct Label\u00a0highlights the suitability of the scheme for investors.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><u>Fund Manager Details<\/u><\/strong><\/p>\n<p>This provides information about the Fund Manager.<\/p>\n<p>The details like educational qualification, experience and other funds being managed (if any) by the Fund Manager are available in other pages. Importance of Fund Manager \u2013 An experienced and stable Fund Management team or Fund Manager with a proven record goes a long way in winning investor confidence. A change in Fund Manager can be indicative of a material impact on the fund\u2019s strategy and also on its performance.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><u>Portfolio \u2013 Asset Allocation<\/u><\/strong><\/p>\n<p>An equity Mutual Fund constitutes stocks from different sectors and is a mix of securities, as per its objective. It is a well-diversified portfolio in itself comprising of a basket of assets.\u00a0 The investor can analyse the portfolio to understand as to how and where the money is being invested and also, in what proportion.<\/p>\n<p><strong>What does Portfolio indicate?<\/strong><\/p>\n<p><strong>Sector-wise and Company wise breakup<\/strong>\u00a0\u2013 it depicts the Net Asset percentage as a whole and also the total concentration\/exposure.<br \/>\nThere are some fact sheets which give the number of shares along with their market value and net asset percentage.<\/p>\n<p><strong>Asset Allocation<\/strong>\u00a0\u2013 this represents the total stock holdings, cash position and debt investments or other assets. The cash position also gives an insight into the Fund Manager\u2019s market outlook. Depending on the market cycle, the cash position can prove to be beneficial or vice versa.<\/p>\n<p><strong>Stock Holdings<\/strong>\u00a0\u2013 Generally, Top 10 Holdings is highlighted prominently with the percentage weight<\/p>\n<p>It is recommended to check for the concentration of companies or sectors in the portfolio \u2013 this is important from the risk mitigation perspective and also for ensuring proper diversification.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><u>Performance Snapshot<\/u><\/strong><\/p>\n<p>Most of the Fact sheets provide performance data for various time periods &#8211; 1 year and 3\/5\/10\/15 years and since inception.<\/p>\n<p>The investor can compare &amp; check \u2013<br \/>\ni) \u00a0Scheme returns \u00a0ii) \u00a0SIP returns \u00a0\u00a0iii) \u00a0Returns v\/s Benchmark \u00a0\u00a0 iv) \u00a0Market\u2019s overall returns<\/p>\n<p>Although note that past performance is not a guarantee for similar or continuous performance in the future.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><u>Key Return- ratios, volatility measures &amp; significance<\/u><\/strong><strong>:<\/strong><\/p>\n<p>The Factsheet contains volatility measures, risk-return ratios which are quite vital for the evaluation of a fund. These ratios\/measures should be viewed as part of the overall picture and not in isolation:<\/p>\n<p><strong>1\/ Standard Deviation:\u00a0<\/strong><br \/>\n<strong>Definition\u00a0<\/strong>&#8211; Standard Deviation (SD) is used for measuring the volatility of the scheme\u2019s returns in comparison to its average or the mean<br \/>\n<strong>Significance<\/strong>\u00a0&#8211; SD is proportional to the risk associated with the portfolio<br \/>\n<strong>Impact<\/strong>&#8211; A lower SD is better<\/p>\n<p><strong>2\/ Sharpe Ratio<\/strong><br \/>\n<strong>Definition-<\/strong>\u00a0It is the return over and above the risk-free return (For example Govt Bond Rate or Bank Fixed Deposit rate) divided by the <strong>Standard Deviation<\/strong><br \/>\nIt measures the fund&#8217;s performance in comparison with the risk undertaken.<br \/>\n<strong>Significance &#8211;\u00a0<\/strong>A higher Sharpe ratio signifies better risk-adjusted returns and is a good parameter for comparing two funds with similar returns.<br \/>\n<strong>Impact-<\/strong>\u00a0A higher Sharpe Ratio is better<\/p>\n<p>3\/\u00a0<strong>Beta<\/strong><br \/>\n<strong>Definition \u2013\u00a0<\/strong>Beta is a measure of the volatility of the fund as compared to its Benchmark<br \/>\n<strong>Significance<\/strong>&#8211; A beta of 1.1 means that the fund will be 10% more volatile (and vice versa) than the benchmark index<br \/>\n<strong>Impact \u2013\u00a0<\/strong>Lower Beta is better and it also means lower risk<\/p>\n<p><strong>4\/ R-Squared<\/strong><br \/>\n<strong>Definition-<\/strong>\u00a0R-squared between 80-100% signifies that the fund&#8217;s performance mirrors the benchmark closely<br \/>\n<strong>Significance-\u00a0<\/strong>A fund with R-squared of 90 means it closely corresponds with its benchmark<br \/>\n<strong>Impact-<\/strong>\u00a0Higher the R-squared, the better\u00a0it is<\/p>\n<p><strong>5\/ Expense Ratio or Total Expense Ratio (TER) \u00a0<\/strong><br \/>\n<strong>Definition<\/strong>&#8211; It is the cost of managing a scheme or fund. It includes management, marketing and other administrative costs<br \/>\n<strong>Significance- <\/strong>A fund return is an expectation, but the cost you pay is real and even if the fund does not perform the costs will need to be paid to the fund management team.<br \/>\n<strong>Impact &#8211;\u00a0<\/strong>Low Expense Ratio is definitely better<br \/>\nRead more here: <a href=\"https:\/\/kuvera.in\/blog\/total-expense-ratio-ter-in-equity-mutual-funds-calculation-and-impact\/\">Total Expense Ratio<\/a><\/p>\n<p><strong>6\/\u00a0Portfolio Turnover Ratio (PTR)<\/strong><br \/>\n<strong>Definition &#8211;\u00a0<\/strong>It measures the churn in the fund&#8217;s portfolio. It is arrived at by dividing the lower of total securities bought or sold by the scheme\u2019s average AUM\u00a0and is represented as a percentage..<br \/>\n<strong>Significance-\u00a0<\/strong>Frequent trading involves cost and higher expense means lower returns<br \/>\n<strong>Impact\u00a0<\/strong>&#8211; Lower the better<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>An equity Mutual Fund is a diversified investment vehicle. An informed choice enables the investor to align financial goals with the portfolio. Mutual Funds are professionally managed by experts in their area. Still, choosing which fund to invest in sometimes looks like a tedious task.<\/p>\n<p>In such a situation, a <strong>fund factsheet<\/strong> is the primary source of information for both first time and experienced investors. It is always better to be an informed and aware investor.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Watch\/hear on YoutTube:<\/p>\n<p><iframe loading=\"lazy\" title=\"KUVERA in Media\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/videoseries?list=PLDSzQdT9nLmDSP3gSlDkPcUl-cfeI-KeB\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/www.kuvera.in\/\"><strong>kuvera.in<\/strong><\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and\u00a0<a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n<p>#MutualFundSahiHai, #KuveraSabseSahiHai!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fund Factsheet &#8211; Definition A Fund factsheet is an easy to understand general information document about a particular Mutual fund scheme which helps the investor in making a well-informed decision. It provides answers to questions like \u2018where is the money being invested\u2019, \u2018which stocks were added or removed during a particular time period\u2019, \u2018who is [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/understanding-equity-mutual-fund-factsheet\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":3979,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99],"tags":[3,234,299,231],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding Equity Mutual Fund Factsheet - Kuvera<\/title>\n<meta name=\"description\" content=\"A fund factsheet provides a lot of information to the investor. 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