Mutual Fund Queries

I am getting 50 Lacs as VRS where should I invest

Opting for VRS & getting lumsum 50 lacs. My monthly expense is INR 25000.00. Where sould I invest this amount to get my monthly exp. & at the same time capital appreciation. Pls advise some good funds, also is it wise to go for systematic withdrawal plan. I have short listed some funds - 1) SBI Blue Chip Equity 2) ICICI Focused Bluechip 3) ICICI Prue Value Discovery 4) TATA Balanced Fund 5) HDFC Midcap Opportunity Fund 6) Canara Robeco Emerging Eund. Pls advise?

Jan 20, 2016 by Nitin, Mumbai | Mutual Fund

Since you are opting for early retirement, asset allocation will be very important. While some experts suggest a 50% debt and 50% equity asset allocation for early retirees, there are really no hard and fast rules... Read More

Should I continue my SIPs

I invest in following MF through SIP - 8400 Reliance Growth P/M, 3000 BSL FRONTL, 1100 BSL MNC, 1500 BSL Equity, 3000 BSL BAL, 500 UTI MASTER, 500 UTI MNC, 500 Franklin Balance Fund. Should I Continue this SIP all those SIP are direct growth plan. Please give your expert comments on these fund?

Jan 20, 2016 by Narendra Pandya, | Mutual Fund

You have very good funds in your selection. Reliance Growth Fund has one of the best 20 year track record among all diversified equity funds. Though the fund was underperforming for some time, the... Read More

Please explain Alpha Beta and standard deviation as I do not understand it

I have invested in many mutual funds through advisor now I also want to learn about mutual funds. Hence I have started reading many books articles regarding mutual funds it's slowly process. What are main things to study before invest in mutual fund? I check NAV AUM expense ratio and past performance returns upto 2-3 years. After acquiring little knowledge I have invested in Franklin high growth Franklin smaller companies axis equity. Lnt Prudence Mirae Assets Emerging Quatum Equity SBI by allocation funds. Recently I read article regarding alpha beta St deviation but I didn't understand it. Kindly suggest me some hone work because I want to learn it?

Jan 14, 2016 by S V Abhyankar, Mumbai | Mutual Fund

It is indeed very heartening that you are taking interest in educating yourself about mutual funds. Based on your fund selection, it seems that you have made very good progress in educating yourself about... Read More

I have surplus amount with me but I do not want to risk

I have surplus amount with me and I do not want to risk with that amount, and I do not want that to stay idle in the saving bank account. So can you please suggest where can I invest that amount, I mean very very low risk or no risk at all. But better returns than saving bank account FOR SIX MONTHS ONLY, because I want that amount after six months for some urgent work; that I will withdraw that amount step by step only after six months. please suggest one?

Jan 14, 2016 by Ramesh, Bangalore | Mutual Fund

It is true that mutual funds are subject to market risks but the degree of risk varies from product to product. Have you heard about liquid funds? These funds invest in money market securities and offer a very... Read More

Is it worth holding Reliance Pharma Fund or exit from it

I invested in reliance pharma fund, it is worth hold the fund, or to exit from the fund. please suggest?

Jan 12, 2016 by Ramesh, Bangalore | Mutual Fund

In the last one year Reliance Pharma fund gave a return of 14%, at a time when the market fell by 6 to 7%. Average equity fund returns were also in low single digits, with large cap oriented equity funds... Read More

Kindly suggest mutual funds schemes for my daughter who is 17 years old

I am state government officer, I have invested in many mutual fund schemes. My daughter is 17 yrs old. Kindly suggest mutual funds for her She doesn't have PAN CARD. Can I invest in her name without PAN CARD?

Dec 31, 2015 by Sara Abhyankar, Mumbai | Mutual Fund

Let us first address, the second part of your question. Since your daughter is a minor, you can make mutual investment in her name with you as a guardian. Since, she is a minor her PAN is not required for... Read More

I want to invest Rs 5000 monthly in large and midcap funds

I am SANTOSH aged 22. I have to invest in equity mutual funds in long term basis. I can invest monthly around Rs. 5000. Can you suggest funds in large and midcap category?

Dec 31, 2015 by Santosh Kulkarni, | Mutual Fund

Firstly congratulations for your decision to start SIPs in equity mutual funds at a young age. If you invest through SIPs in a disciplined manner over a long investment horizon, you can create substantial wealth... Read More

Should I continue SIP in HDFC Top 200, UTI opportunities and Quantum Long Term Equity

I am doing SIP in UTI Opportunity Fund, HDFC Top 200 Fund and Quantum Long Term Equity Fund for the last 2 years. Once these funds were very good funds but for in last few years there returns have dipped. What should I do?

Dec 30, 2015 by Sundeep, Haridwar | Mutual Fund

UTI Opportunities and HDFC Top 200 Funds are both large cap funds with good long term track records. Over the last one year, they have given negative returns. But the large cap index itself, including both our... Read More

What should I do if my Mutual Fund SIP is not doing good

If any of my SIP in mutual fund is not doing well what should we do? 1. Only stop SIP and start sip in a new fund and let the fund balance grow in that old fund? 2. withdraw all the balance in that mutual fund along with SIP in a new fund?

Dec 28, 2015 by Sundeep Nigam, Haridwar | Mutual Fund

When you are faced with the problem of underperformance you should remember four points... Read More

If funds giving good return should be part of every portfolio or is there any caution

ICICI Pru Value Discovery Fund, Franklin India High Growth Company Fund, Franklin India Prima Plus these funds have given very good return in short and long term. Should these funds be in every portfolio or there is some caution?

Dec 28, 2015 by Sundeep, Haridwar | Mutual Fund

All three diversified equity funds mentioned by you have been among the top performers for a long period of time. All three funds are now diversified flexicap or multi cap funds. Many investment experts believe... Read More