Mutual Fund Queries

I do not know if my MF portfolio is on the right track

I am regular investor in mutual fund but i don't know that my portfolio is running on right track or not, so please help me regarding the same. Details are given following - SBI Midcap 1000, SBI Bluechip 3500, Mirae Asset Emerging Bluechip 6000, ICICI Pru Focused Bluechip 3000, Birla Tax Saver 96 1000, DSP Tax Saver 1000, Reliance Tax Saver 2000, DHFL Medium Term Income 5000, SBI Gilt Fund 2000, Kotak Income Fund 5000?

Jul 24, 2017 by Bal Ram Sharma, | Mutual Fund

You will be happy to note that your mutual fund portfolio consists of good performing schemes. Our only suggestions are two - As majority of your SIP investments are in equity funds, remember, your... Read More

Can you let me know two best plans for monthly withdrawal

Please send me 2 best plans on monthly withdrawal basis?

Jul 24, 2017 by Bhaskar Sen, | Mutual Fund

We replied to a query similar to yours which you can go through... Read More

Can I invest in Principal Emerging Bluechip Fund

Please inform whether i can invest rs 50000/ in principal emerging bluechip?

Jul 23, 2017 by Abhinav R, | Mutual Fund

Yes, you can invest in Principal Emerging Bluechip Fund. Principal Emerging Bluechip Fund is one of the most consistent performers in the mid and small cap category of funds and ideal for investors with high... Read More

Have I planned my MF investments according to my risk profile

My current SIP investments (Direct Plan - Growth Option) is Rs. 2,00,000/month as following: Large Cap: SBI Blue Chip Fund (G) 5000, Birla Sun Life Top 100 (G) 5000, Diversified Equity: Tata Equity P/E Fund (G) 5000, Franklin India Opportunities (G) 5000, Small & Midcap: Canara Robeco Emerg-Equities (G) 5000 - Invested for a year and Stopped now. (Money not redeemed from fund - Rs.1,30,000) Birla Sun Life MNC Fund (G) 5000 - Invested for 3 years and stopped now. Tranferred money from this fund to Birla Sun Life Balanced 95 Fund via STP on a monthly basis Mirae Asset Emerging Bluechip Fund (G) 20000, DSP BlackRock Micro Cap Fund (G) 20000, Franklin India Smaller Companies Fund (G) 10000, Balanced Funds: Tata Balanced Fund - Direct (G) 25000 - Stopped SIP last month (Money not redeemed from fund - Rs.2,77,000), HDFC Balanced Fund - Direct (G) - 30000, L&T India Prudence Fund - Direct (G) 40000, Birla Sun Life Balanced 95 Fund (G) 40000, ICICI Prudential Balanced Fund (G) 25000. With the above plan, 3% each will be in Large Cap and Diversified Equity, 25% in Small and Midcap and 68% in balanced funds. I have Fixed deposits in my parents name (Senior citizens) for about 70 - 80 lakhs. Initially my plan was to continue these investments for the next 4 years by withdrawing money from above FDs on these funds. However, after reading more about Mutual Funds and understanding Balanced Mutual Funds more in detail, I am thinking to alter my investment portfolio and invest lumpsum in balanced funds in the below manner and keep the money in these funds for next 4-5 years: HDFC Balanced Fund - Direct (G) - 40 lakhs, ICICI Prudential Balanced Fund (G) 40 lakhs. Having said that, I will stop all my current SIPs as mentioned above, but will not redeem money from the funds. I am a moderate risk investor and hence I want to invest lumpsum in Balanced Mutual Funds for a period of 4-5 years which should help me give good returns (atleast double my investments) is what I am hoping. I am currently 39 years and want to retire at the age of 45. Please suggest if this is the right mutual funds portfolio that I am thinking to change to and provide your valuable suggestion?

Jul 23, 2017 by PG, Hyderabad | Mutual Fund

Please note that we do not give mutual fund advise. We do create awareness about mutual funds and other investments and give suggestions based on investors queries received by us. If you want a proper... Read More

Can you answer my queries as I want to start investing in mutual funds

Thank you for sharing details blog related to mutual fund on this site. It is very useful to understand the mutual fund investigation process and fund. I am planning to invest in mutual fund not sure how to start so could you please answer/clarify following questions. Many thanks in advance. 1. Which is best way to start the SIP (Through saving bank account/Demat account)? 2. Is there any way to skip the paying SIP for some time (Due to money emergency) and again start after 2-3 months? 3. Which fund is best for retirement plan (Large cap/ mid/small cap)? 4. Is advisable to invest 30K in single fund through SIP for shorter time (2-3 years) as wanted to get good returns compare to FD and saving account? 5. How to evaluate the risk factor while investing in MF like fund will be lost etc.? 6. I had ELSS Fund (01-ICICI Prudential Long Term Equity Fund (Tax Saving) - Growth) so kindly how to track (last statement received on March 31) and shall I continue or switch to other fund? 7. Please suggest best fund for the long term investment?

Jul 23, 2017 by Abhishek Pathak, | Mutual Fund

Glad that you liked our website and found the mutual fund contents useful. Also, happy to note that you want to start investing in mutual funds. Here you go with the answers to your queries. You can start SIPs... Read More

Can you suggest fund for investing Rs 2000

Please suggest me Euity Mutual Funds. Last 4 years I invest in HDFC Tax Saver (D) Plan per month Rs. 2000. Now I like to more Rs 2000 invest. Please suggest?

Jul 23, 2017 by Jaimina Prajapti, | Mutual Fund

Before investing in mutual funds, you must know your risk profile and the investment horizon, You have not mentioned the both. Therefore, the general suggestion would be to invest in diversified equity... Read More

With moderate risk which mutual funds to invest for my daughter

Can you suggest me best mutual fund for my daughter am I thinking I am invest Rs 50000 each mutual fund about 100000 Rs for long term like 18 years & single time investment & I am expected high returns & moderate risk?

Jul 23, 2017 by Rajeswar Reddy, | Mutual Fund

As you are expecting high returns and your risk profile is moderate, therefore, you can invest in balanced funds. Balanced Funds invests 65% in equities and rest in debt instruments and by investing in the... Read More

As I cannot take risk where should I invest in lieu of fixed deposits

I am a senior citizen retired person. I and family live on Bank FD interest and that is going down. I have read your article on Liquid / Debt fund returns vs. Bank FD. I need income every month. Do you advice to cash bank FDs and put in liquid / debt funds. The questions are: 1. Are the liquid / debt funds 100% safe like FD? 2. I need monthly income like from FD? 3. Should it be liquid or debt fund investment? 4. What return can I expect? 5. I am not considering equity funds at all as can not take risk? 6. Should I invest in balanced fund for little more returns as I think the fund manager transfer investment from equity to debt in case the sensex falls? Please give me your clear and specific final reply to think, invest in you recommended funds?

Jul 23, 2017 by Rathindra Nath Mittra, | Mutual Fund

Apologies for replying to you late. Following are the answers to your query - Yes, liquid funds are the safest funds across all category of mutual funds. But you should not invest your fixed deposit money into liquid... Read More

Which mutual fund can I invest for the future of my daughter

Jul 22, 2017 by G Rajeswara Reddy, Tadipatri | Mutual Fund

As you can take moderate risk you can invest in large cap funds or balanced funds for your daughter's future. You can assume 12% annual returns and based on that can expect around Rs 8 Lakhs after 18 years... Read More

Is it a good idea to reduce home loan EMI over MF SIPs

Is it good idea to spend money in repaying home loan rather than investing in SIP at this time since market is at very high levels? My monthly budget for SIPs is 45000 and my EMI is 27000. I am thinking that by paying 45K instead of 27K, my interest will reduce and I will have more money later to put in SIPs (at lower market levels) once my loan is finished. What do you suggest?

Jul 22, 2017 by Abhishek Asthana, Hyderabad | Mutual Fund

Yes, it is a very good idea to repay your home loan as soon as you can irrespective of where the markets are now, high or low. However, you need to check with your home loan provider if they will accept a higher... Read More