Mutual Fund Queries

Suggest mutual funds for one who is new to this

I am new in mutual funds and I need advice to invest in different mutual funds?

May 9, 2017 by Bapodara Bharat , Gandhinagar | Mutual Fund

As you are new to mutual funds, you should not try to invest in different types of mutual funds. The reason being, mutual fund investments should be based on one's risk taking ability. You should select funds... Read More

Can you suggest balanced funds giving higher than FD returns

I want to know the Balance Funds which can give more than FD returns?

May 9, 2017 by Rajkumar Sharma, | Mutual Fund

If you see the historical performances of balanced funds, you will find that all good performing balanced funds have given superior returns over fixed deposits over medium to long term. Therefore, if you... Read More

Suggest low risk mutual funds in place of fixed deposits

I have FD 3 lac 25 thousand. I want to invest in mutual funds with low risk please suggest me?

May 9, 2017 by Harmeet Singh, | Mutual Fund

As you can take only low risk, you may consider investing in debt funds or hybrid debt funds in lieu of fixed deposits. You can see the return of these funds from the following links... Read More

Which mid and small cap fund is good for long term

I want to invest lump sum and SIP for 10 years, and I want to invest in mid and small cap fund, is it is good time to invest and suggest me the fund also?

May 7, 2017 by Om Prakash, Azamgarh | Mutual Fund

If your risk profile is high, mid and small cap funds can be a very good choice for long term SIP investing. You can select couple of top performing schemes from this selection - Mirae Asset Emerging Bluechip... Read More

Can you suggest mutual funds for US based NRIs

I might move to USA for couple of years. I know I can invest in only certain Indian mutual funds. My risk appetite is moderately high. Would like to invest in the following manner 35% in mid and small caps, 20% in diversified fund, 20% in large cap, 25% in balanced fund (hybrid oriented). My investment horizon is more than 5 years. Could you please let me the best possible mutual fund schemes by considering only the funds which allows US NRI to invest? I would greatly appreciate your help on giving recommendation for this question?

May 7, 2017 by Bharghav, Bengaluru | Mutual Fund

The number of AMCs accepting investments from US based NRIs are many. SBI Mutual Fund, ICICI Prudential Mutual Fund, Reliance Mutual Fund, DHFL Pramerica Mutual Fund, L&T Mutual Fund, PPFAS... Read More

Have I selected the right funds from your website

Firstly, please accept my sincere congratulations on the fantastic work your team is doing in educating novices like me. I reckon your site is easily the best out there as far as educating new investors on mutual funds is concerned. Now, coming to my question. Am 41 and realised rather late the importance of investing in mutual funds. But, I guess, better late than never. My goal is to accumulate wealth over the next 18 years (till my retirement). I have nothing against the SIP approach but am more comfortable investing small chunks of money monthly/quarterly as per my convenience. I plan to invest around 3 lakhs spread across 12 months. I fully understand the risks associated with mutual funds. Considering my age(41), I do not want to fall into the trap of investing aggressively to make up for my lost time. Instead, I would like to categorise my risk appetite as moderate to a bit risky. After going through the gold mine of information in your site, I zeroed in on a few funds. Would greatly appreciate if you can review my portfolio and advice me accordingly. Thanks to all brilliant articles, I decided not to have a cluttered portfolio and instead have a portfolio with 4 funds and I plan to throw in a debt fund to the portfolio after a couple of years to start balancing my equity-debt ratio. Large Cap Selection: I shortlisted with Kotak Select Focus Fund as my Large cap fund. I noticed that you chose to classify this fund as a "Diversified fund" where as Money control classifies it as a "Large Cap" fund. I believe this should not be too much of an issue if I stay invested for a long time (5-7 years). Need less to say, I plan to review the fund's performance every six months but only after the first three years. Diversified/Multi Cap Selection: I shortlisted Birla Sun Life Equity Fund as my diversified fund. Again, plan to stay invested for a long time(5-7 years) with the rider that, will periodically review the fund's performance after the first three years. Mid/Small Cap Selection: Franklin India Smaller Companies Fund is the one I shortlisted. Was tempted to go with Reliance but decided to stick with this tried and tested fund. Even if it returns 2-3 percent less than its competitors, am not going to lose any sleep over it. My expectation from this fund is to match the performance of the bench mark index. Anything over above the bench mark index will be treated as a bonus. Balanced Fund Selection: Again, thanks to your crisp blogs/articles on Balanced Funds, I decided to opt for it as I believe it suits my risk appetite. I decided to for the balanced fund from the DSP stable. I did consider HDFC and TATA Balanced Funds and honestly nothing much to choose between these funds. Considering DSP's pedigree as a fund house, decided to shortlist it. Lack of a Debt Fund in my portfolio. I read all your blogs on Debt funds. quite informative but I believe my portfolio does not warrant for a debt fund right now. I believe I will need a Debt Fund after about 2-3 years to balance my Equity-Debt ratio to protect my capital. For now, I wish to stay fully invested only in equities and the only debt part in my portfolio will come from DSP's Balanced account. Long Term Plan is to go for a debt fund and configure STP. Can you please review my portfolio and suggest accordingly? I invested Rs 1,00000 (One Lakh) till date and will invest another 2 lakhs in the same funds (Plan to allocate Rs. 60,000 to the Balanced Fund by the end of the year) over the next 7 months. DSP BlackRock Balanced Fund - Rs. 15000, Kotak Select Focus Fund - Rs. 25000, Birla Sun Life Equity Fund - Direct Plan - Rs. 20000, Franklin India Smaller Companies Fund - Direct - Growth (SIP) - Rs. 40000?

May 6, 2017 by Kalyan, Hyderabad | Mutual Fund

Thanks for the kind words about Advisorkhoj, Glad that you liked our content and research and could easily select funds for your investments. This is the whole objective of Advisorkhoj, empowering the investors... Read More

How to draw regular income as I am going to retire

I am going to retire in the month of August 2017. I would like to invest around Rs. 25 Lakhs in 5 different funds and would like to draw Rs. 25,000 per month through SWP. My risk apetite is low being a retired employee with no other source of income?

May 6, 2017 by Sankarankutty P V, Trichur | Mutual Fund

As you are retired and your risk profile is also low, you should ideally invest in debt funds or MIPs which pays monthly dividend as you want regular income. However, desiring to get Rs 25,000 by investing... Read More

Should my mother invest her money in debt or MIP

Should my mother invest a lump sum amount (received after retirement) directly in Long Term Debt Fund/MIP/Combination of both at one go, or should she do an SIP. If SIP, what would be the ideal duration for investing the whole amount? Also for SIP, should she put all the money in Liquid Fund and do an STP from Liquid to Debt Fund? She has steady rental income, so there is not much need of monthly withdrawals currently and on investing in FDs she would fall in 30% tax bracket, investment horizon is 5+years. As the risk appetite is low, we are not considering pure Equity or Balanced Funds?

May 6, 2017 by Mohit, Ghaziabad | Mutual Fund

Considering that her risk appetite is low, investing in debt funds makes sense. However, hybrid debt funds are also a good option as her investment horizon is 5 years. If you are investing in debt Funds then there... Read More

What about capital protection in STP

An investor invested Rs. 100,000 in BSL Dynamic Bond Fund, in Jan 2017, opted for SWP of Rs. 2,000 in quarterly mode. Time horizon is 10 years. Is the decision right? What about the projection of capital appreciation?

May 6, 2017 by Kalyan Som, Burdwan | Mutual Fund

We think, investing in a dynamic bond fund to do STP is not the right way for two reasons - 1) you are incurring exit load 2)for dynamic bond funds investment horizon should be 2-3 years. Liquid fund or ultra... Read More

How much future corpus is expected from my mutual fund investments

Thanks for a very Informative site. My MF investments are as following: 1) 2500 INR each in HDFC equity fund (Regular-Growth) (the 2500 SIP was increased to 3500 from April 2017), ICICI Value Discovery Fund, IDFC Equity Fund, Franklin Templeton Prima Fund Growth (the 2500 SIP was increased to 5000 in July 2015) and started in July 2014. 2) ELSS: 5000 each in Franklin India TaxShield and Reliance Tax Saver started in April 2015. The Reliance SIP amount was increased to 6000 INR from April 2017. 3) Additional SIPs started in April/May 2017: 1500 in ICICI Banking & Financial Services GRowth, 1000 in Canara Robeco Emerging Equities Regular Growth, 1000 in Mirae Asset Emerging Bluechip Fund Regular Growth. 4) Also, have made lump sum investment of 30,000 in ICICI Banking and Fianncial Services and 20,000 in Canara Robeco Emerging Equities Regular Growth. My goal is long term wealth creation. Have I selected the right MFs, also, I intend to increase the SIP amount/ do lump sum investment as and when available. Considering the existing portfolio, how much capital can be generated after 10-15 years? I understand that the returns are not certain/fixed. but would like to get a fair idea regarding my investments?

May 5, 2017 by MGD, Mumbai | Mutual Fund

You have selected good funds for your SIPs excepting IDFC Equity Fund and HDFC Equity Fund. We think you should invest in better diversified or midcap equity funds. As you are investing only Rs 1,000 each... Read More