Mutual Fund Queries

What are the top long term as well as short term debt funds where I can park my savings

I want to invest a portion or my savings in debt instruments. Is it suggested to invest online directly? What are the top long-term as well as short-term debt funds. Where I can park my savings and earn guaranteed returns?

Mar 14, 2016 by Rupa Agarwal, Bangalore | Mutual Fund

Firstly, you should note that, mutual funds do not give guaranteed returns. But the risks involved in debt fund investments are considerably less than risks involved in equity investments. Further, within debt... Read More

I am investing in various Mutual Fund SIPs. Is it correct if I now want to invest in NPS for 80CCD benefit

I am investing monthly (from April-15)Rs 4000 each in ICICI Pru Focused Bluechip Equity Fund, Birla Sun Life Top 100, Reliance Small Cap Fund, Rs 2000 in Franklin India Small Cap Fund, Rs 3000 Sukanya Samridhi Yojana. Now from this FY I want to invest Rs 5000 additionally in mutual funds and Rs 5000 in NPS Scheme for 80ccd benefit. Kindly suggest good funds for a period if 5 to 8 years. Is it correct to invest in NPS?

Mar 14, 2016 by Ganesh, Kadapa | Mutual Fund

All the funds you have invested in are funds with strong track record (we think the Franklin Templeton fund you have invested in is Franklin India Smaller Companies Fund; please check). Investing in a large... Read More

I have an account in ICICI Bank can I invest in SIP of HDFC MF from ICICI Bank account

I have my salary account in ICICI Bank. Can I invest in SIP of HDFC through that account or do I need to open a separate saving account in HDFC?

Mar 14, 2016 by Sumit Suman, Noida | Mutual Fund

Yes you can invest in Systematic Investment Plan (SIP) of HDFC mutual fund through auto debits from your ICICI Bank account. Just provide your ICICI Bank account details in the SIP ECS Mandate... Read More

How much and with what frequency should I invest in MF to enjoy power of compounding

I will soon start earning 1 lac per month. I am 31, Male. I have responsibilities of my parents health cum life insurance, my childs education, and retirement income +1 BHK house in Pune. I know I can make significant benefits if I plan for next 30 years but not sure which one is not feasible requirement and which one IS considering above MF's. I selected DSP black rock balanced fund, SBI blue chip and HDFC Top 200 funds as I believe its not good to put all eggs in one basket. You are also right in saying, product may fail but concept can NOT. How much and with what frequency should I invest in MF, so that I could enjoy power of compounding. Desperately looking forward to hear from you soon and keep posting superb articles !! Thanks.

Feb 27, 2016 by Vaibhhav, Noida | Mutual Fund

Thanks for your appreciation. It encourages us to continue to create content that you can find useful to make financial decisions. As far as your query is concerned, you should first ensure that you... Read More

I have shortlisted International Funds but why they are unrated

I am researching about International funds. I have shortlisted following funds - 1) Franklin India Feeder Franklin US Opportunities Fund - Direct Plan, 2) ICICI Prudential US Bluechip Equity Fund - Direct Plan, 3) Motilal Oswal MOSt Shares NASDAQ - 100 ETF Fund. Third fund gave good values since inception. I came to know that for investing in "Motilal Oswal MOSt Shares NASDAQ - 100 ETF Fund" you need to have a demat account & secondly you need to purchase minimum 100000 units. However on sites like Valueresearchonline, Moneycontrol & even Advisorkhoj it is mentioned that minimum investment required 10,000. Wanted to know why it is mentioned like that? Is there any other route for investing? Secondly why international funds are unrated? What is your opinion about other 2 funds?

Feb 22, 2016 by Madhu, Pune | Mutual Fund

It is important that you understand the differences between ETFs and mutual funds, as they are different in many respects, while similar in some... Read More

I want to invest 10 lacs in MFs and start SWP of 25000 per quarter

I want to invest Rs. 10,00,000/- in mutual funds and start SWP of Rs. 25,000/- per quarterly after 3 months. Can you please suggest 2 or 3 good mutual fund schemes. My objective is 2 fold: 1. Want to use this money for my elderly parent needs, 2. To gain some money over long term like 10 or 15 years. As the present returns from MF are not attractive for time being shall I put this money in Fixed deposit and spend money for parents from my salary. For your suggestions.

Feb 22, 2016 by Viswanath, kalpakkam | Mutual Fund

We do not give specific fund advice. Your decision should be based on your risk tolerance level. You should also consult with your financial advisor. If you want assured returns on your investment, then you can... Read More

I have invested in UTI MIS: should I redeem

I am an NRI now in Qatar. I invested 31 lacs in UTI MIS advantage fund in the hope of getting 10% returns after a 1 year period. The market is bad and the FV is minus now and I stopped investing. Should I wait for a while to start SWP or do I redeem all funds and put in Bank FD @7.9% per year and get a steady income?

Feb 18, 2016 by George Mathews, Kollam | Mutual Fund

Your decision will depend on your own financial needs and risk tolerance level. If you want assured returns then you should go for bank fixed deposits and earn a steady income from your investment over the... Read More

Should I continue with my existing SIPs or change it

I have started investing in following four Mutual Funds through monthly SIP of Rs 1000 each, since July 2015 with investment horizon of 10 years, Birla Sun Life Frontline Equity Fund - G, ICICI Pru Focused Bluechip Equity Fund - G, Canara Robeco Emerging Equities - G, UTI-Mid Cap Fund - G. Since I have getting negative growth in these funds, should I continue with these fund or should I change any of above funds, Also please suggest 2 more funds in which I should invest Rs 1000 each SIP with 3-5 years horizon?

Feb 17, 2016 by Himanshu, Gurgaon | Mutual Fund

Birla Sun Life Frontline Equity and ICICI Prudential Focused Bluechip Equity are large cap funds. Canara Robeco Emerging Equities and UTI – Mid Cap are midcap funds. Over your period of investment, from July... Read More

Why HDFC Top 200 and UTI Opportunities are good fund when their SIP returns for last 6 years are not good

SIP return of HDFC TOP 200 are 1 year 23.2, 2 year 5.31, 3 year +4.54, 4 year +7.6, 5 year +7.78, 6 year +7.61, quite similar to SIP return of UTI opp fund. When SIP return of 6 years are not above 8 why these funds are said to be good fund?

Feb 10, 2016 by Sundeep Nigam, Haridwar | Mutual Fund

It is the problem of trailing returns. If you follow our blog regularly, we have repeatedly said, that trailing returns have a recency bias. The Nifty closed below 7300 today, which implies that it is almost 20% below... Read More

Can you suggest me some good SIP Mutual Funds to invest for next 10 years

I want to invest 5000 monthly through SIP for 10 year. Please suggest some fund for investment as I am new to MF and my age is 26?

Feb 10, 2016 by Kamal Singh, Pune | Mutual Fund

We do not give specific investment advice in Advisorkhoj. Our objective is to improve investor awareness about various mutual fund products so that you can make the best investment decision. Over a long... Read More