Mutual Fund Queries

If I am willing to take risk should I invest in Infrastructure funds through SIPs

I'm planning to start the following SIPs from September. I'm 26 years old and I'm willing to take risks since my investment horizon is 10 years. Please let me know of your thoughts? 1. Reliance Tax Saver - 10k, 2. UTI Transportation and Logistics - 4k, 3. ICICI Prudential Value Discovery - 4k, 4. Franklin Smaller Companies - 4k, 5. Franklin Build India - 4k, 6. Kotak Infrastructure and Economic Reform - 4k. Total = 30k/pm. Chose 5 and 6, because I feel infrastructure will get a big boost in the next 2/3 years. Please advise?

Aug 20, 2016 by Dilip, Mumbai | Mutual Fund

Just because your risk taking appetite is high does not mean that you should invest in Infrastructure funds through SIPs. If you feel that this sector will do very well in next 2- 3 years, then why do not you invest... Read More

I want to know more about STPs and which kind of funds are good for it

I have been investing in mutual funds through SIP. Recently I came across terms like STP and Value STP. So, please educate me about them, how it works and which kind of fund/schemes are good to choose. Also, I would like to know which one is better?

Aug 20, 2016 by Basudev, Barbil | Mutual Fund

Thanks for your interest in knowing about STPs. Please read the following article which explains the concept of STPs and how it can be used for asset allocation and optimising mutual fund returns... Read More

Can you suggest me Funds as I have 5 lakhs which I want to invest in mutual funds

I have 5 lakhs rupees in cash. I want to invest in mutual funds. Kindly suggest me how should I invest. I want to invest for 3 to 5 years?

Aug 19, 2016 by Anand Kumar, Delhi | Mutual Fund

If you want to invest in Mutual Funds for 3-5 years, then generally speaking, you may go with Diversified Equity Funds. You may select a Top Performing Diversified Equity Fund from here... Read More

Should I have separate mutual fund portfolios for multiple goals

If anyone have multiple goals, he/she should be separate mutual funds portfolio for each goal?

Aug 19, 2016 by A Biswas, Nashik | Mutual Fund

There are no hard and fast rules in this. You can have one mutual fund portfolio for all your goals. For example - you might have some goals which you want to achieve in the 2-3 years, there could be some... Read More

Can you please provide point to point returns for a specific period

Please explain point to point calculation of any fund for the period 16/8/14 to 16/8/16?

Aug 19, 2016 by Kailash CH Mohanty, | Mutual Fund

Using the following research tool, you can get the point to point return of any specific period... Read More

Can you please give SWP cash flow analysis for HDFC Balanced Fund & HDFC Prudence Fund since inception

Please give SWP cash flow analysis for HDFC Balanced Fund & HDFC Prudence Fund since INCEPTION?

Aug 16, 2016 by Bhalchandra V Pade, | Mutual Fund

Please check the following URLs and get these analysis since inception for these two funds... Read More

Please suggest best SIP funds as I want to start SIP of 3500 per month for 3 - 5 years or 10 years

I am 33. I want to start SIP with 3500 per month for 3 and 5years or 10years. Please suggest the best SIPs?

Aug 16, 2016 by Sovan, Midnapore | Mutual Fund

Glad to hear that you want to do SIPs in mutual Funds. For doing SIPs in Mutual funds with an investment horizon of 3-5 years or even more, you should go with diversified equity funds... Read More

How to manage my SIPs if they are not doing well and market is also very high

I have one question: Lets say I started investing in 1 Mutual with Rs. 5000 month keeping a time horizon of 15 years. But after say 5 years, (my investment becomes 3 Lakh after 5 years), I find that the fund is not performing well, e.g. as compare to its peers, or change in Market trends (other category fund performing well), etc. Now as a SIP investor who want to remain invested for 15 years what possible approaches, I can take? I am asking this as fund value invested (3 lakh) is pretty high now, so re-investing via SIP will not make sense, and on the other hand if market is high than Lumpsum also will not make sense. Please suggest?

Aug 16, 2016 by Mohit, Noida | Mutual Fund

Thanks for writing to us. While reading through your query, we found that we also need to address some basic things about mutual fund and SIP investing. Therefore, read each and every point which not only... Read More

Is it right as I have started daily STP from liquid to equity fund for next 10 years for my client

I have started daily STP plan for my client, we do SIP in liquid fund & Transfer 1000 daily in equity is it right step for 10 years holding period, I feel instead of 12 NAV I will get almost 250 NAV for average?

Aug 16, 2016 by Bhamesh Kamble, Navi Mumbai | Mutual Fund

Systematic investing is all about rupee cost averaging and the method you have chosen is probably the best way to maximise this averaging. While the method is good, you must do back testing using our this... Read More

Can I and my wife invest in the same folio of an AMC using eKYC

As per SEBI rule after eKYC one can invest in Mutual fund online upto Rs. 50000 per financial year. In case of Joint holding (Two investor either or survivor mode) can we invest upto 1 LAC in a fund house. Where both have done eKYC mode of Holding in one folio: (Husband first holder, wife 2nd Holder) and in another folio (Wife 1st Holder and Husband 2nd Holder)?

Aug 16, 2016 by Arnab De, Kolkata | Mutual Fund

Thanks for writing to us. You and your wife can not invest in the same folio if the first holder’s name changes. For example – you are the first holder and your wife the second holder in a folio, then you can... Read More