Mutual Fund Queries

How to invest without paying taxes

On the advice of the Bank manager I have invested Rs 500000 in "Canara Robeco Savings Plus Fund - Regular Plan - Growth". Now I understood that this fund is debt fund and I have to pay income tax on redemption. How to invest the amount without paying income tax?

Aug 8, 2017 by Rajasekaran Desikan, Urapakkam | Mutual Fund

Canara Robeco Savings Plus Fund is an ultra short term debt fund and most suitable for investing the surplus amount lying in your bank account or for keeping an emergency corpus. The profits received from... Read More

What is your view on HDFC Prudence Fund

What is your view for investing Rs. 10 lakhs in HDFC Prudence Fund (monthly dividend paying). What is the current NAV and monthly dividend?

Aug 8, 2017 by RC, | Mutual Fund

HDFC Prudence Fund is a very popular balanced fund with highest AUM of around 29,000 Crores in this category. The fund has a long term track record of good performance and a enviable track record of monthly... Read More

Can you suggest mutual funds for moderately high return

I really appreciate for your wonderful blog and regular writings which is most useful for investors like me who are new in investment field. I'm one regular reader of your blog and question - answer sections. Sir, I have moderately high risk profile and want to invest for a lump sum amount of 10 lakhs for next 10 years. Please advise and suggest me for a mixed caps fund profile with a growth of money and moderately high return. Suggest me such funds where I should invest. Thanks once again for your wonderful effort?

Aug 7, 2017 by Jyotirmay Patel, Rourkela | Mutual Fund

Thanks for the kind words about Advisorkhoj and we are glad to note that you are a regular reader of our blog and found it useful. As your risk profile is moderately high, you can invest in a mix of balanced funds... Read More

What should be the right mix of mutual funds for me

My age is 24 years. My investment horizon is > 5 years & risk horizon is moderately high to high. I have identified the following mutual funds (Large Cap & Small Cap) for investment through SIPs - Kotak Select Focus Fund - Regular (G), L&T India Large Cap Fund (G), Birla Sun Life Frontline Equity (G), Mirae Emerging Bluechip Fund (G), DSPBR Micro Cap Fund - RP (G), Franklin (I) Smaller Cos (G), ICICI Pru Bkg & Fin Serv - RP (G), I am planning to invest Rs 12,000 per month. 1) Any other mutual funds that I should look for? 2) What would be optimum no. of SIPs, I should be looking to invest in? 3) How should the allocation between mid (small) cap & large cap be made? Appreciate your help?

Aug 7, 2017 by Prashant T, Pune | Mutual Fund

You have selected good funds for starting your SIPs. For monthly SIP of Rs 12,000 you should not go with more than 4 funds. Accordingly, you can choose 4 funds from your list. Our suggestion would be - Kotak... Read More

Should I invest more in mid cap mutual funds as they give higher return

I have seen that the 5 year returns of equity small and mid cap are very high compared to equity large cap or equity oriented balanced funds or for that matter any other schemes. So how wise would it be to put more money in equity small and mid cap funds. I am planning to put a lump sum amount of 2 lakh each in Reliance Small Cap Fund and SBI Small & Midcap Fund. In addition to that I am planning to make a monthly sip of 10000 each in Mirae Asset Emerging Blue Chip Fund, DSP BlackRock Microcap Fund and L&T Midcap Fund. Would appreciate your feedback on my investment plans?

Aug 6, 2017 by Ketan Patil, Raigad | Mutual Fund

Yes, you are absolutely right! Why 5 years, mid & small cap funds have given higher return compared to any other equity funds category in other time periods too, like last 2, 3 or even 10 years. However, you need... Read More

Which SIP mutual funds to invest in for the long term

I am investing in 3 fund of 2500 Rs in each pm Reliance Growth Fund, HDFC Mid Cap Opportunity Fund, UTI Transportation and Logistics Fund for long time wealth creation. So please suggest me how the funds are or suggest me good portfolio for long time investment. I am 22 years old and I can invest 12000 pm total?

Aug 4, 2017 by Srikant Yadav, Chennai | Mutual Fund

Good to hear that you have started saving for the long term through mutual funds and already running 3 SIPs. Though you have selected funds with long term performance track record, the one scheme in... Read More

Where can I park the retirement corpus and draw a fixed amount regularly

I will retire next year. Likely to receive a pension of 50k per month. I require at least 80k per month tax free. Can you suggest where should I park my retirement corpus to make up this deficit?

Aug 4, 2017 by Saumitra, Jabalpur | Mutual Fund

We have replied to a similar query which you might like to read... Read More

Where to invest my tax savings bond maturity amount for next 3 years

I have a lump sum of Rs 40 lakhs from maturing tax saving bonds. I would want to park these funds for 3 years and after this 3 year period, I need these funds to generate monthly income via STP. Please suggest some good funds to achieve this goal?

Aug 4, 2017 by Ravi, Rajajinagar | Mutual Fund

As your investment horizon is 3 years, you can invest in long term debt funds (income funds). Debt funds gives you a better tax adjusted return compared to fixed deposits. You can invest in ICICI Prudential... Read More

Can I get good return in future from my mutual fund SIPs

Advisorkhoj is a very helpful page, many young investors are benefited from you. I am 27, need your suggestions regarding MF investment. I decide to invest through SIP monthly in the following way. Time - 10 to 15 years, risk profile - moderate to high. Large: Diversified: Small: Balance = 1:2:5:2. Funds are SBI Bluechip, BSL Advantage Fund, Franklin India Smaller Company & BSL Small & Midcap, HDFC Balance Fund. From this portfolio can I expect good return? If any correction is required please guide me?

Aug 4, 2017 by Anirban Senapati, Tamluk | Mutual Fund

Thank you for the kind words. Glad to know that you could recognize that investors are benefiting from the efforts given by Advisorkhoj :) You have selected good funds for your SIPs from large cap, diversified... Read More