Mutual Fund Queries

Will the equity market fluctuations affect the debt funds too

As we see the market is high. I wanted to know does this market affects the investment of mutual fund? If yes, is it affect all types of mutual funds or just equity mutual funds only? In my previous question you advice me to go with STP route for lump sum investments (mostly liquid to equity). If we invest lump sum in debt should we follow the same STP (if market affects debt fund too) or we can invest in debt fund in one shot?

May 4, 2017 by Dipa A, Gujarat | Mutual Fund

The fluctuations in stock market have a direct co-relation to equity Mutual Funds as these funds invest in equities traded in the stock market. Therefore, it will affect your mutual fund investments. However, it will... Read More

Should I rebalance my mutual fund portfolio as the market is high

I have almost 11 different mutual funds, I think this is the right time for me to consolidate them into few funds in each type (Small / Mid / Large / Balance) when the market is at its peak. Sometimes when the market is at peak, bad funds also shows results so can book the profit into a liquid fund. What do you suggest? Is this the right time to rebalance the portfolio?

May 3, 2017 by Jay, India | Mutual Fund

As we do not know what are the schemes you are holding, we would not like to comment on this. We think, mutual fund investments should be done based on your risk appetite and investment objective. If you have... Read More

Is SIP in L&T Emerging business fund suitable

I planned to start SIP for 15-20 years 5000Rs for L&T Emerging Business Fund, is this good for long time. What is your advice?

May 3, 2017 by Mohamed Bysal, | Mutual Fund

For long term SIPs, diversified equity funds are the best! L&T Emerging business fund belongs to small cap fund category which is the most risky. Also, L&T Emerging business fund does not have any long term... Read More

Are dividends received rom SBI Magnum MIP taxable

I have invested ten lacks in the sbi magnum mip regular growth. I have recieved 8300Rs/-per month. Please tell me this amount which is deposited in my saving account it is taxable or non taxable. Please explain in detail?

May 3, 2017 by Ramdas Mahadeo Gaydhane, | Mutual Fund

Please note that dividends received from any mutual fund scheme in the hands of the investors is totally tax free! Therefore, the dividend amounts credited in your bank account from your investments in SBI... Read More

Where can I invest monthly surpluses to reach my goals

This is Bala from Chennai. Working in private concern. Salary about 49,000. Having surplus of 6-10,000 per month. Where should I invest this amount - (MF,SIP,PPF) as I am less risk taker. My goals are individual house (10 years), children's education (15 years), children's marriage (20 years)?

May 3, 2017 by Bala Subramaniam, | Mutual Fund

As a less risk taker you should invest in PPF or fixed income products. PPF will be suitable if you also want to save taxes also. However, as you have 3 long term goals - individual house, children education... Read More

Want to invest in one year SIP to pay back home loan

I want to prepay my home loan on an annual basis. For this, I wish to initiate a SIP for a year to get some extra gains (quite possible to end up in loss in case of a meltdown during which I will not exit from the fund). I request you to suggest some funds to invest for this purpose?

May 3, 2017 by Vinu, Mumbai | Mutual Fund

Good to hear that you are planning to pay back your home loan on an annual basis by creating a corpus from mutual fund SIPs. Please note that since the investment horizon is one year only and the objective... Read More

Can you provide details of high return funds with low risk

Please suggest for SWP for 8 years 5 nos MF with UTI mate best, different sectors (high return), lowest volatility & expenses ratio, highest return (more than 30%) and low risk. These MF are for my daughters (Inter & primary school) education purpose with a investment of 20 Lakhs?

May 3, 2017 by Ravi G, Hyderabad | Mutual Fund

Thanks for writing to us, but sorry to say, we are unable to help you much due to the following reasons - You have mentioned selection of best funds from different sectors for SWP and you are also looking for... Read More

Which Mutual Fund MIPs can give me better returns

I wish to invest 10 lakhs in MIP Mutual Fund (Monthly Dividend) which one or two mutual funds would you recommend. I am retired, 63 and I need a monthly income. I have FDs which give me a monthly income but I wish to now move 10 lakhs into MIP MFs?

May 3, 2017 by Jehangir Chinoy, Pune | Mutual Fund

Glad to hear that you want to invest in mutual fund MIPs in order to get superior return over Fixed deposits. ICICI Prudential MIP 25 Plan Monthly Dividend and Birla Sun Life MIP Wealth 25 Plan Monthly Dividend... Read More

Which is the best fund to park for 3 to 4 months

Thanks for advising us through your website. That so informative and enriching. Could you please advise me the best funds to park funds for 3-4 months?

May 3, 2017 by Srikanth, Bhimavaram | Mutual Fund

Thanks for the kind words about our website which we truly appreciate. You can invest in liquid funds as your investment horizon is only 3-4 months. Liquid funds can give you 3-4% higher return than that of... Read More

Should I remain invested in Reliance Tax Saver Fund SIP

I have an SIP of Rs. 2000 in Reliance Tax Saver Fund from August 2012 and average cost per unit of my fund is around Rs. 35. Should I partially book profits and invest in some other fund like ICICI Value Discovery Fund or should I stay invested?

May 3, 2017 by Vinayak, Bangalore | Mutual Fund

You should continue with your SIP in Reliance Tax saver Fund as it is one of the top performing funds in the ELSS category. SIP in mutual funds is all about long term investing as you benefit from rupee cost... Read More