Equity Mutual Fund Analyzer -Lite

/ M. Pattabiraman / 38 Comments

Published: September 27, 2013 at 3:03 pm

Last Updated on

Photo of M Pattabiraman, founder, editor and primary author of freefincal.com By M. Pattabiraman   

Unfortunately, Value Research Online changed their website format shortly after this tool was released. I often wonder if they did that because of this tool!

So this tool does not work anymore. I only keep this post for sentimental reasons.

If you wish you to analyse your mutual funds try these:

Mutual Fund Rolling Returns Calculator

Mutual Fund SIP Returns Analyzer

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Use this tool to analyze the performance of your equity mutual funds by retrieving annual returns data from Value Research Online.

Most people start questioning the ability of their mutual fund investments when they see their corpus in the red for a prolonged period and wonder if they should continue their investments.

Trouble is, although many are aware of websites like Value Research, MoneyControl and Morning Star, they are not sure of what data they should use for analyzing mutual fund performance.

I had earlier posted a DIY fund analysis on HDFC Top 200 using relevant data from the above online resources.  Unfortunately, it appears that even this is too much for many investors!

Most equity investors require professional help from a financial planner.  Of course, for reasons best known only to them, they seem to prefer free lunch!

What do I care?!  Not my money!

Instead of flogging a dead horse, let us focus on a more fruitful pursuit.

Can we have a tool that uses minimal information to monitor performance of current mutual fund investments and yet come up with meaningful results?

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Of course, minimal information implies minimal analysis! We can live with that for the time being … if the tool serves its purpose.

As the first step in answering this question, here is a tool that retrieves annual returns data for equity mutual funds from Value Research Online. This data is found under the performance tab in the funds page.

Features

  • Compares the fund performance with category average and two benchmark indices – typically Sensex and Nifty (could differ) for the last 5 years
  • Calculates the last 3-years and 5-years CAGR for the fund and indices.

Suitability

  • If you wish to quickly get an idea of fund performance, but have trouble finding the right information.
  • If you want reassurance to continue your SIPs.

 Note

  • The annual returns retrieved are point-to-point returns similar to a lump sum investment.
  • Corresponding results for SIP investments are likely to be very different – stay tuned for a SIP returns analyzer!
  • We should pay attention to fund performance when the market fails.  For example, if Sensex returns for two consecutive years are -30% and +30% and fund corresponding fund returns are -25% and +25%, I would be pretty happy with that – downside protection is crucial to safeguard the fruit of compounding.
  • This is a simple analysis tool designed for people who do not know where to look for information, when they want to analyse their mutual fund investments.
  • Experienced investors would require more in depth analysis (coming soon!)

Bottomline

  • Most often the result would indicate the need to stay invested to reap benefits!

Download the equity mutual fund analyser lite version (Updated with better user interface as suggested by Ravi in the comments section)

(Excel 2007; macros to be enabled; active internet connection needed while operation) 

Excel 2003 version is here

Kindly evaluate the tool and let me know of any issues.

If find this tool useful do consider sharing it among your social contacts.

Suggestions for improvement are welcome!

Do share if you found this useful
Join our 1500+ Facebook Group on Portfolio Management! Losing sleep over the market crash? Don't! You can now reduce fear, doubt and uncertainty while investing for your financial goals! Sign up for our lectures on goal-based portfolio management and join our exclusive Facebook Community. The 1st lecture is free! Did you miss out on the lockdown discount? You can still avail it! Follow instructions in the above link!
Want to check if the market is overvalued or undervalued? Use our market valuation tool (will work with any index!)

About the Author

Pattabiraman editor freefincalM. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. since Aug 2006. Connect with him via Twitter or Linkedin Pattabiraman has co-authored two print-books, You can be rich too with goal-based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management. He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice.
He conducts free money management sessions for corporates and associations on the basis of money management. Previous engagements include World Bank, RBI, BHEL, Asian Paints, Cognizant, Madras Atomic Power Station, Honeywell, Tamil Nadu Investors Association. For speaking engagements write to pattu [at] freefincal [dot] com

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38 Comments

  11. I find that the UI {user interface} sucks ! Can you really select a required fund from a drop down box which lists more than 100 items without using your mouse and arrow keys to go up and down lots of times. Need a better way.

    1. Ravi, I have made the changes as per the video you sent and have reuploaded the file. Thanks for the suggestion.

      1. Ravi,your comments are creative and positive.
        But may I suggest you to convey the comments in a more civilised,polite language.Please note Pattu is taking great trouble in creating these fin calculators and they are FREE.

        1. Thank you very much. I think Ravi meant well and made up for it by sharing a good link. Somtimes a forthright comment is important for immediate action! Thank you very much for the support. I appreciate it.

  12. I find that the UI {user interface} sucks ! Can you really select a required fund from a drop down box which lists more than 100 items without using your mouse and arrow keys to go up and down lots of times. Need a better way.

    1. Ravi, I have made the changes as per the video you sent and have reuploaded the file. Thanks for the suggestion.

      1. Ravi,your comments are creative and positive.
        But may I suggest you to convey the comments in a more civilised,polite language.Please note Pattu is taking great trouble in creating these fin calculators and they are FREE.

        1. Thank you very much. I think Ravi meant well and made up for it by sharing a good link. Somtimes a forthright comment is important for immediate action! Thank you very much for the support. I appreciate it.

  15. Absolutely sorry for not using civilised & polite language.
    I agree that the calculators are FREE but if they are hard to use, they get used less. Even now , the list of mutual funds is fixed – so if new mutual funds get added to AMFI / Yahoo Finance , we will need a new Excel file.
    I use these Excel files also to learn new functions and macros in Excel – hence my petty outburst.
    I apologise once again.

    1. If new mutual funds get added you just need to include the names along with their AMFI codes in the list. There is no need for a new Excel file. New funds get added only now and then, and our need to access them is even less frequent

      If you want an auto updated list then you could make the Excel file download daily NAV data from AMFI and get the list+codes from there.

  16. Absolutely sorry for not using civilised & polite language.
    I agree that the calculators are FREE but if they are hard to use, they get used less. Even now , the list of mutual funds is fixed – so if new mutual funds get added to AMFI / Yahoo Finance , we will need a new Excel file.
    I use these Excel files also to learn new functions and macros in Excel – hence my petty outburst.
    I apologise once again.

    1. If new mutual funds get added you just need to include the names along with their AMFI codes in the list. There is no need for a new Excel file. New funds get added only now and then, and our need to access them is even less frequent

      If you want an auto updated list then you could make the Excel file download daily NAV data from AMFI and get the list+codes from there.

  17. pattu its not working its not updating details………………need your help…………….!!!!!!!

    1. Sorry Satya as mentioned in the post, the tool does not work anymore as VRonline changed its format. Use the SIp returns analyzer or mf portfolio comparison tool instead.

  18. pattu its not working its not updating details………………need your help…………….!!!!!!!

    1. Sorry Satya as mentioned in the post, the tool does not work anymore as VRonline changed its format. Use the SIp returns analyzer or mf portfolio comparison tool instead.

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