Mutual Fund Queries

How to buy Mutual Funds

To buy mutual fund?

Apr 17, 2017 by R C Saroj, Mumbai | Mutual Fund

There are several ways to buy mutual funds. You can contact a mutual fund advisor in your city who not only will advise you on fund selection but also help in transaction and post sales service. You can find an... Read More

Should I invest in debt funds to rebalance the portfolio

I want to invest Rs 10000 per month (SIP) for 10-15 years and I have recently purchased some funds i.e, Kotak Select Focus (50k), BSL Tax Saver (50k), DSPBR Tax Saver (50k), ICICI Prudential Value Discovery (30k). All are direct growth except two ELSS. Suggest me a portfolio with moderate risk taker. I think invest some money in Debt fund also?

Apr 17, 2017 by Anirban Senapatia, Tamluk | Mutual Fund

You have invested in good performing funds in their respective categories. For moderate risk takers balanced funds are good choice. However, in order to rebalance the portfolio, you may also invest in long... Read More

How to compare liquid fund return with savings account post taxes

If I am paying 30% tax, invested 800,000 on 18th Dec 2016 in HDFC Liquid Fund - Growth and today 11th April 2017 I exit from this fund with value of 816,000 then what is the positive comparison of this return with bank saving account on tax basis and return also?

Apr 17, 2017 by Sweta Janak Mehta, Malad West | Mutual Fund

You invested Rs. 800,000 in HDFC liquid fund on 18/12/16 @ NAV Rs 3141.5415 and got 254.6520 units and sold on 11/4/16 when NAV was Rs 3205.937. You got a redemption amount of Rs. 816,398.44 and thus... Read More

How much SWP to withdraw from 10 lakhs

Can you suggest Mutual Funds to invest lumpsum of 10 Lakhs so that a SWP of 15,000 can be opted after 1 year and how much would be the actual amount paid in tax for every SWP. I can take high risk and also have option of delaying SWP to 3 years as well. Thank you for such simple and informative article's look forward to more readings and posting queries?

Apr 17, 2017 by Dhiraj, Pune | Mutual Fund

At the outset, we thank you for the kind words. We are glad that you like our content and found it informative yet simple! This encourages us to continue our good work. If you want to withdraw Rs 15,000 monthly... Read More

Suggest category of funds for moderate risk

I am 50 years old, my risk profile is moderate and want to invest around 25 Lakh in MF for 10 years for wealth creation. Please advise in what types of MF should I invest and also suggest some MF name from that categories?

Apr 17, 2017 by Subra, New Delhi | Mutual Fund

As your risk profile is moderate and the investment horizon is 10 years, balanced fund could be the ideal fit for you for long term wealth creation. Balanced funds invest upto 65% of the assets in equities and... Read More

How is DSP BlackRock Micro Cap Fund for mid term

What about DSP BlackRock Micro Cap Fund for mid term?

Apr 17, 2017 by Lucky Agarwal, Jaipur | Mutual Fund

DSP BlackRock is a small cap fund and suitable for investors with high risk appetite having investment horizon of at least 5 years. Therefore, this may not be suitable for the mid term (if you consider mid term... Read More

Which are the best balanced fund for SWP

I found your articles on SWP extremely comprehensive, informative and interesting. Might invest in some balanced MF with SWP option. In that context, can I get updated information on the best balanced funds to invest in as of today. You have an article on this at https://www.advisorkhoj.com/post-your-queries/Which-are-the-Best-Mutual-Funds-for SWP but it is one year ago?

Apr 17, 2017 by Anand, Mumbai | Mutual Fund

Thanks for the appreciation. We are glad to note you find our content on balanced fund comprehensive, informative and interesting. You may read another piece on this subject... Read More

Should I switch to other funds as current funds are not doing well

I am investing in UTI Equity Fund since last 1.5 years, Rs 38,000 invested and current value Rs. 43,000 and IDFC Premier Equity Fund since last 4 years, Rs 80,000 invested and current value Rs 100,000. Each 2000 monthly as a SIP. Will you advise to stick with them or I switch to SBI Blue Chip Equity and Franklin india Smaller Companies Fund?

Apr 13, 2017 by Ankit Johri, Bangalore | Mutual Fund

UTI Equity fund is good performing large cap fund and you can continue with that. 18 months time period is too early to draw a conclusion about your SIP investment in this fund. However, you can stop your SIP... Read More

Have I selected the right funds as a moderate risk taker

I am 41 years old. I have been investing since December 2016 in four funds viz. ICICI Pru Value Discovery Fund Regular (G), SBI Magnum Balanced Fund Regular (G), Franklin India High Growth Companies Direct (G) and BSL Equity Fund Direct (G) 2,500 per month in each fund. I own a house. I bought 100 grams gold through Sovereign Gold bonds. I have Jeevan anand life insurance policy for 2 lakhs. Another life insurance for 2 lakhs on my wife. In my PPF account there is a corpus of 4,60,000 and I save 50,000 in PPF every year. My salary is 60,000 per month. I am saving 25000-30000 in Sukanya Samruddi Yojana on my daughter's name. I have been paying Atal Pension Yojana 1310 for me and 630 for my wife every month, to get 5000 each as pension for month when we attain 60 years of age. We have a medical policy. I have 10 years investment horizon. I am an average risk taker. My aim is wealth creation. Is my fund selection good or do I have to make any necessary changes?

Apr 13, 2017 by Siva, Vijayawada | Mutual Fund

You have selected good funds from diversified and balanced fund category. However, as your risk profile is average, diversified equity funds are not suitable to you. You should invest in hybrid debt funds... Read More

What would be an aggressive portfolio with safety

What should be an aggressive portfolio with safety for 20 years for a 36 years old, to put entire salary in Mutual Funds?

Apr 13, 2017 by Raghavendra, Patna | Mutual Fund

If the mutual fund portfolio is aggressive it can not be safe. You have to understand that safe funds will be lesser aggressive and thus provide lesser return than that of aggressive portfolio in the long run... Read More