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Submitted URL: http://lnk.personalfn.com/gtrack?clientid=11555&ul=BgYFCFUOHVVED1lQUwBCJhZdQVZXG15FAR0Y&ml=BAYNAFFKURkJUQ4LCxk=&sl=d013RDR...
Effective URL: https://www.personalfn.com/fns/why-you-should-stop-looking-at-mutual-fund-star-ratings-now
Submission: On February 04 via api from US — Scanned from DE
Effective URL: https://www.personalfn.com/fns/why-you-should-stop-looking-at-mutual-fund-star-ratings-now
Submission: On February 04 via api from US — Scanned from DE
Form analysis 2 forms found in the DOM
POST ./why-you-should-stop-looking-at-mutual-fund-star-ratings-now
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Home > Financial News. Simplified. > Why You Should Stop Looking At Mutual Fund
Star Ratings Now
WHY YOU SHOULD STOP LOOKING AT MUTUAL FUND STAR RATINGS NOW
APR 16, 2018
Author: Vivek Chaurasia
Here’s honest advice for every mutual fund investor — Stop looking at star
ratings.
One of my friends is an ardent believer in Astrology. His morning begins with
the predictions for his sun sign made by an astrologer on one of his favourite
astrological blog.
Although he may not get his fortune right, he is quite happy when he knows the
precautions he needs to take for the day; with his job, with his family, his
friends, and enemies too.
Many of you might have a somewhat similar inclination for Astrology.
The word 'Astrology’ is derived from two Greek words, ‘Astra’ which means ‘a
star’, and ‘Logos’, which means a ‘logic or reason’. It signifies the movement
of stars and planets that can have influence on your life.
DO STARS TALK?
Of course, tracking them helps us predict the future or fortune of an individual
or entity.
But do they really stand true in case of mutual funds?
Can they really predict the fortune for mutual fund investors? Or would they
just be a redundant symbol, going forward?
To meet the SEBI’s categorization and rationalization norms, mutual fund schemes
are being re-categorized under different investment style, and many are being
merged with other funds. In such a scenario, basing your investment decision on
the past performance of the fund, which will now on be following different
investment style altogether, is completely meaningless for you, the investor.
So would you rely on Star Ratings derived looking predominantly at such past
performance numbers?
Say, for instance, you have invested in mutual funds for its 5-Star rating.
You were probably happy that you invested in a 5-star rated fund. This may even
help you sleep peacefully at night.
Did you revisit the rating again? Has the fund, you had invested in, lost few of
its stars?
What would you do in case it did?
You might simply stick with the fund you invested in, or else try to identify
the next fund with a 5-star tag and switch to it.
Did you ever wonder, why your fund lost its stars? Was it sheer bad luck or did
it never had potential to continue retaining the spot?
If you find that, except performance, all other factors of the fund still
remains unchanged, i.e. its fund manager, its investment style, concentration,
etc.; then, probably you might have got your timing wrong.
I will tell you why.
EVEN BEST MUTUAL FUNDS CAN HAVE PHASES OF GOOD AND BAD PERFORMANCE CYCLE
Every mutual fund follows a particular investment style, based on its objective
and pre-defined strategy. Each investment style has its own cycle. A top
performing fund that made the best in a bull phase of its investment style may
end up among the laggards, if the style enters the unfavourable phase.
You probably invested in the fund after it had already made the most of the
cycle and generated returns for its investors, which helped it gain maximum
stars. By the time you identified the fund, the style was about to enter its
next phase, which resulted in a slowdown in its performance, thus losing the
stars for the fund. So did your investments.
DON’T FALL FOR PASSIVE STAR RATINGS TO PREDICT FUTURE PERFORMERS
Most mutual fund research entities follow the passive rating methodology, where
they give very high weightage to quantitative factors like past performance and
risk adjusted returns over a period of say 3 to 5 years and compare it with
their peers to arrive at the best return generators in the lot.
In my understanding, these stars, derived from passive numbers at best, reflect
how the fund has performed vis-à-vis its category peers over the last few years.
Moreover, with the change in performance cycle, the ratings can change
dynamically.
While looking at the past performance data of mutual funds is rational, what
about the future growth potential and consistency of the fund?
What about the portfolio quality and investment style?
What about the portfolio maturity analysis, credit quality, and expenses that is
significant while picking debt funds?
Where is the much-needed analysis about the fund managers skills and experience?
And the investment systems and processes followed at the fund house, etc.?
These qualitative factors are more important than the historical performance, to
judge the future growth potential and long-term consistency of the fund.
Ignoring them completely, while arriving at the stars you probably use to select
the funds for your portfolio, may never get you the real stars of tomorrow.
The interesting part is with the new classification and re-categorization of
mutual fund schemes, these stars would be completely redundant and misleading if
they are derived only on the basis of historical performance numbers.
WHAT HAS CHANGED FOR MUTUAL FUND INVESTORS?
The age-old practice of using fancy names for mutual funds is almost redundant.
While some names were glorified, some were purely misleading. In terms of
investment style, some schemes practiced completely different from their name or
objective mandate.
To stop this practice and provide proper demarcation, in October 2017, the SEBI
came up with its circular on “Categorization and Rationalization of Mutual Fund
Schemes”.
In the circular, the regulator defined 36 categories for mutual funds to make
investing simpler for mutual fund investors.
In the circular, the regulatory body directed all fund houses to relook at their
scheme categorization and realign their schemes and underlying portfolios to
these new categories.
Following this, mutual funds have started announcing scheme rationalisation and
categorisation as per the SEBI circular.
While it thought that due to rationalisation norms, several duplicate and fancy
schemes would be merged with others and wiped out; the mutual fund houses have
managed to retain most of their schemes, by tweaking their objective and style
to match the new categories defined by SEBI.
SOME STRANGE RE-CATEGORIZATION…
Here is the list of schemes that have decided to switch their investment style
to a different category, and are about to begin a new journey.
Old Name Old Category/Type New Name New Category/Type ABSL Advantage Fund
Multicap ABSL Equity Advantage Fund Large & Midcap ABSL Small & Midcap Fund
Small & Midcap ABSL Small Cap Fund Small cap ABSL Top 100 Fund Large cap ABSL
Focused Equity Fund Focused Canara Robeco Emerging Equities Mid Cap Fund Canara
Robeco Emerging Equities Fund Large & Mid Cap Fund Canara Robeco Equity Tax
Saver Equity Linked Tax Saving Scheme Canara Robeco Equity Tax Saver Fund An
open ended equity linked saving scheme with a statutory lock in of 3 years and
tax benefit Canara Robeco F.O.R.C.E Fund (Financial Opportunities Retail
Consumption & Entertainment) Thematic Canara Robeco Consumer Trends Fund
Consumption and Financial Theme Canara Robeco Medium Term Opportunities Fund
Medium Term Income Fund Canara Robeco Corporate Bond Fund Corporate Bond Fund
Canara Robeco Savings Plus Fund Short Term Income Fund Canara Robeco Savings
Fund Low duration Fund Canara Robeco Treasury Advantage Fund Money Market
Scheme Canara Robeco Ultra Short Term Fund Ultra-short duration Fund Canara
Robeco Yield Advantage Fund Debt oriented hybrid scheme Canara Robeco Short
Duration Fund Short duration Fund DHFL Pramerica Inflation Indexed Bond Fund
Bond Fund DHFL Pramerica Strategic Debt Fund Medium to Long Duration Fund DHFL
Pramerica Premier Bond Fund Long Term Income Fund DHFL Pramerica Premier Bond
Fund Corporate Bond Fund DSPBR Income Opportunities Fund Income Fund DSPBR
Credit Risk Fund Credit Risk Fund DSPBR Micro Cap Fund Micro cap Fund DSPBR
Small Cap Fund Small cap Fund HSBC India Opportunities Fund Flexi cap Fund HSBC
Multi Cap Equity Fund Muticap Fund HSBC Midcap Equity Fund Mid cap Fund HSBC
Small Cap Equity Fund Small cap Fund ICICI Prudential Corporate Bond Fund
Corporate Bond Fund ICICI Prudential Medium Term Bond Fund Medium Duration Fund
ICICI Prudential Income Opportunities Fund Medium Term Income Fund ICICI
Prudential Bond Fund Medium to Long Duration Fund ICICI Prudential Indo Asia
Equity Fund Indo-Asia Equity Fund ICICI Prudential Smallcap Fund Small Cap Fund
ICICI Prudential Regular Savings Fund Short Term Income Fund ICICI Prudential
Credit Risk Fund Credit Risk Fund ICICI Prudential Top 100 Fund Large Cap Fund
ICICI Prudential Large & Mid Cap Fund Large & Mid Cap Fund ICICI Prudential
Ultra Short Term Plan Ultra Short Term Income Fund ICICI Prudential Corporate
Bond Fund Corporate Bond Fund Invesco India Active Income Fund Long Term Income
Fund Invesco India Corporate Bond Fund Corporate Bond Fund Invesco India
Corporate Bond Opportunities Fund Corporate Bond Fund Invesco India Credit Risk
Fund Credit Risk Fund Invesco India Credit Opportunities Fund Short Term Income
Fund Invesco India Money Market Fund Money market Fund Invesco India Growth Fund
Multicap Fund Invesco India Growth Opportunities Fund Large & Mid Cap Fund
Invesco India Medium Term Bond Fund Medium Term Income Fund Invesco India Ultra
Short Term Fund Ultra-short duration Fund Invesco India Mid N Small Cap Fund
Midcap & Smallcap Fund Invesco India Multicap Fund Multicap Fund L&T Emerging
Businesses Fund Mid & Smallcap L&T Emerging Businesses Fund Small Cap Fund L&T
Floating Rate Fund Floating Rate Fund L&T Money Market Fund Money Market Fund
L&T Income Opportunities Fund Income Fund L&T Credit Risk Fund Credit Risk Fund
L&T Resurgent India Corporate Bond Fund Corporate Bond Fund L&T Resurgent India
Bond Fund Medium Duration Fund L&T Short Term Income Fund Short Term Income Fund
L&T Low Duration Fund Low Duration Fund L&T Short Term Opportunities Fund Short
Term Income Fund L&T Short Term Bond Fund Short Duration Fund Mirae Asset
Emerging Bluechip Fund Mid cap fund Mirae Asset Emerging Bluechip Fund Large &
Mid Cap Fund Parag Parikh Long Term Value Fund Value Parag Parikh Long Term
Equity Fund Multi Cap Reliance Diversified Power Sector Fund Power Sector Fund
Reliance Power & Infra Fund Equity scheme investing in power & infrastructure
sector Reliance Media & Entertainment Fund Media & Entertainment Sector Scheme
Reliance Consumption Fund Equity scheme following consumption theme Reliance NRI
Equity Fund Multi Cap Fund Reliance Balanced Advantage Fund Dynamic Asset
Allocation Fund Reliance Regular Savings Fund – Equity Option Multi Cap Fund
Reliance Value Fund Value Fund Reliance Top 200 Fund Large & Midcap Fund
Reliance Large Cap Fund Large Cap Fund SBI Corporate Bond Fund Corporate Bond
Fund SBI Credit Risk Fund Credit Risk Fund SBI Emerging Businesses Fund Mid and
Small cap SBI Focused Equity Fund Focused Fund SBI FMCG Fund Sector SBI
Consumption Opportunities Fund Thematic - Consumption SBI IT Fund Sector SBI
Technology Opportunities Fund Sector SBI Magnum Equity Fund Large cap SBI Magnum
Equity ESG Fund Thematic - ESG SBI Magnum Gilt Fund - Short Term Plan Short Term
Gilt Fund SBI Magnum Constant Maturity Fund Gilt Fund with 10-year constant
duration SBI Magnum Global Fund Midcap SBI Magnum Global Fund Thematic - MNC SBI
Magnum Monthly Income Plan Monthly Income Plan SBI Debt Hybrid Fund Conservative
hybrid SBI Magnum Monthly Income Plan - Floater Monthly Income Plan SBI Multi
Asset Allocation Fund Multi-asset allocation SBI Magnum Multiplier Fund Multicap
SBI Large & Midcap Fund Large & Mid Cap Fund SBI Pharma Fund Sector SBI
Healthcare Opportunities Fund Sector SBI Savings Fund Floating Rate Fund SBI
Savings Fund Money market Fund SBI Small & Midcap Fund Small and Midcap SBI
Small Cap Fund Small cap Fund SBI Treasury Advantage Fund Short Term Income Fund
SBI Banking and PSU Fund Banking and PSU Fund Sundaram Equity Multiplier
Multicap Fund Sundaram Large and Mid Cap Fund Large & Mid Cap Fund - Sundaram
Flexible Fund - Flexible Income Plan Floating Rate Fund Sundaram Corporate Bond
Fund Corporate Bond Fund Sundaram Income Plus Income Fund Sundaram Short Term
Credit Risk Fund Credit Risk Fund Tata Long Term Debt Fund Long Term Income Fund
Tata Income Fund Medium to Long Duration Fund Union Small and Midcap Fund Small
and Midcap Fund Union Small Cap Fund Small Cap Fund UTI Equity Fund Large cap
fund UTI Equity Fund Multi Cap Fund UTI Floating Rate Fund Floating Rate Fund
UTI Ultra Short Term Fund Ultra-short duration Fund UTI G-Sec Fund Gilt Fund UTI
Overnight Fund Overnight Fund UTI Income Opportunities Fund Short Term Income
Fund UTI Credit Risk Fund Credit Risk Fund UTI Opportunities Fund Opportunities
Style Fund UTI Opportunities Fund Value Fund UTI Top 100 Fund Large Cap Fund UTI
Top 100 Fund Large & Mid Cap Fund UTI Treasury Advantage Fund Ultra-short term
debt Fund UTI Treasury Advantage Fund Low duration Fund
Source: PersonalFN Research
As you can see, many equity as well as debt schemes are expected to change their
investment style and move to a completely new category. Their previous
performance track record would not hold true for their newly adopted style.
Moreover, there are some strange re-categorization that are done to keep schemes
alive.
Some fund houses, like SBI, have gone a step ahead to adopt a new theme
altogether. Creating a new ESG (Environment, Social and Governance) and changing
the style of its large-cap oriented fund ‘SBI Magnum Equity Fund’, to a thematic
fund, is something that was least expected.
Similarly, SBI Global Fund, which was a mid-cap fund focused on picking quality
mid cap stocks, will focus on MNC stocks now onwards.
It seems, the fund house found it more convenient in changing the style and
category instead of its name. You as an investor would definitely not stick to
the funds that do not meet your objective.
In my opinion, mutual fund houses could have been more responsible in ensuring
that investors do not face much hassle and their objective of investing in the
scheme does not show much deviation. However, sticking to the schemes without
re-evaluating the suitability of the new style to your investment goals can be
risky for you.
IT’S TIME TO LOOK BEYOND STARS AND PERFORMANCE…
So like we’ve established, with these changes, picking schemes based on ratings
derived from their historical performance can be misleading.
These funds will need at least another 2-3 years to develop a credible track
record which can be used to rate them.
Until then, they can be decided on their features, portfolio characteristics,
and management quality. It is the time to give more weightage to fund and fund
house quality and consistency over historical returns.
At PersonalFN, while analyzing funds, we give weightage to both quantitative as
well as qualitative parameters.
Here is the list of checks we do under our Quantitative and Qualitative
Parameters…
→ QUANTITATIVE PARAMETERS
Testing on Performance Parameters and Risk Analysis
- This is to analyse, if the fund has shown consistency in performance across
various points and provides decent risk adjusted returns. Under this, each fund
is tested and scored on various quantitative parameters like 1 Year Rolling
Returns, 3 Year Rolling CAGR, 5 Year Y-o-Y Rolling Average Returns, and also on
risk reward ratios like Sharpe Ratio, Sortino Ratio and Standard Deviation.
Testing on Consistency across market cycles
- This parameter is to ensure that the fund has the ability to perform
consistently across market cycles. Here we compare schemes performance vis-à-vis
their benchmark index across bullish and bearish market phases and accordingly
score on its performance consistency and number of cycles survived.
Underperformers will score low.
→ QUALITATIVE PARAMETERS
Testing Portfolio Quality
- We believe, scheme should not hold highly concentrated portfolio. Therefore,
we score schemes on portfolio characteristics like concentration of top 5 and
top 10 holdings.
- To ensure that balanced funds do not hold low or unrated debt instruments, we
also consider credit quality rating score of debt portion of the portfolio held
by balanced funds
- Engaging in high churning can result in trading and high turnover cost.
Therefore, in our process, we also score schemes on portfolio characteristics
like portfolio turnover ratio and expenses, and penalise funds involved in high
churning.
Testing on Quality of Fund Management
Apart from schemes, we also test the fund manager and consistency of the fund
house. Here we check if…
- The fund manager is over loaded with large no of schemes.We score on
parameters like fund manager to scheme ratio, i.e. no of schemes managed by a
single fund manager. We believe a single fund manager should not manage more
than 5 funds. If the number of funds managed by a single fund manager exceeds 5,
we consider him overburdened.
- The fund manager has decent work experience. We score on the average work
experience of all the fund managers in the fund house, to ensure the investors’
money is in experienced hands.
- The fund house is not active in only raising AUM. For many years, in our
process, we consider the duplicate schemes launched by the fund house and
accordingly penalise the fund house if they have many duplicate schemes.
Multiple schemes with same objective means low score for the fund house.
- Efficiency of the fund house in managing your money : We calculate the
efficiency of the fund house by checking and scoring on the percentage of AUM
performance, which helps us understand what proportion of the total AUM of the
fund house is performing and what proportion is underperforming. It helps judge
the efficiency of the fund house in managing the garnered corpus.
In our process, adequate weightage is given to each of the parameters mentioned
above and the funds are scored on each of them. Based on the composite score,
PersonalFN arrives at views on each fund recommend under various mutual fund
research services.
You see, the process we follow at PersonalFN is much more comprehensive in
nature. We do not rely only upon quantitative parameters that is passive in
nature. The qualitative parameters we use, helps us project the long-term
consistency and stability that can be expected from quality portfolio and fund
management.
While we may not aim for top performers, what we look for is quality funds that
can be consistent performers in the long run.
So the next time you look at Star ratings that are derived merely on the basis
of performance numbers, it will be best to consider this criteria as a measure
of the funds historical performance and not a measure of top-rated future
performance.
P.S.: Did you ever try PersonalFN’s premium research service ‘FundSelect’? If
not, it’s good time to do so. We are now offering OVER 50 PERCENT DISCOUNT on
fresh subscriptions to FundSelect. So, instead of the regular price of Rs 5,000,
you will pay Rs 2,450 only for the first year of subscription. And if you
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REGULATIONS, 2014
About the Company including business activity
Quantum Information Services Private Limited (QIS) was incorporated on December
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QIS was promoted by Mr. Ajit Dayal with an objective of providing value-based
information / views on news related to equity markets, the economy in general,
sector analysis, budget review and various personal products and investments
options available to the Public. It was the first company to start equity
research on an institutional level.
'PersonalFN' is a service brand of QIS and was started in the year 1999. In
1999, the Company registered the Domain name www.personalfn.com for providing
information on mutual funds and personal financial planning, financial markets
in general, etc and services related to financial planning and research in
various financial instruments including mutual funds, insurance and fixed income
products to customers. It offers asset allocation and researched investment
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Quantum Information Services Private Limited (QIS) is registered as Investment
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Registration No.: INA000000680. In terms of second proviso to Regulation 3 (1)
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Disciplinary history
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and condition on which its offer research report. For the terms and condition
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9. Natural Streets for Performing Arts Foundation;
10. Primary Real Estate Advisors Private Limited;
11. Rahul Goel;
12. I V Subramaniam.
Disclosure with regard to ownership and material conflicts of interest
1. Neither QIS, it’s Associates, Research Analyst or his/her relative have any
financial interest in the subject Company , except QIS receives fees for
providing research to Quantum Equity Fund of Fund (QEFoF) which is Fund of
Fund scheme managed by QMF.
2. Neither QIS, it's Associates, Research Analyst or his/her relative have
actual/beneficial ownership of one per cent or more securities of the
subject Company, at the end of the month immediately preceding the date of
publication of the research report.
3. Neither QIS, it's Associates, Research Analyst or his/her relative has any
other material conflict of interest at the time of publication of the
research report except that QIS (PersonalFN) is, as per SEBI (Mutual Funds)
Regulations 1996, an associate / group Company of Quantum Asset Management
Company Private Limited and Trustees and Sponsor of Quantum Mutual Fund
(QMF) and to that extent there may be conflict of interest while
recommending any schemes of QMF. However any such recommendation or
reference made is based on the standard evaluation and selection process,
which applies uniformly for all Mutual Fund Schemes. The payment of
commission (upfront /annualized & trail), if any, for any Schemes by QMF to
QIS (PersonalFN) is also at arm's length and as per prevailing market
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Disclosure with regard to receipt of Compensation
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Company in the past twelve months.
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of securities for the subject Company in the past twelve months.
3. Neither QIS nor it's Associates have received any compensation for
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subject Company in the past twelve months.
4. Neither QIS nor it’s Associates have received any compensation for products
or services other than investment banking or merchant banking or brokerage
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Bank Limited under a service agreement.
5. Neither QIS nor it's Associates have received any compensation or other
benefits from the subject Company or third party in connection with the
research report
General disclosure
1. The Research Analyst has not served as an officer, director or employee of
the subject Company.
2. QIS or the Research Analyst has not been engaged in market making activity
for the subject Company.
Subject Company means Mutual Fund Schemes
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