Mutual Fund Queries

Which fund would be best for SWP as I am retired

I am retired from Bank of India. I wish to invest and opt for SWP. Kindly suggest a minimum investment say Rs. One or Two lakhs. Which best fund for SWP of Rs. 5000 per month for 20 years. What would be the maturity value after SWP for twenty 21 years?

Apr 11, 2017 by Ravindra Flaxman Patwardhan, Ratnagiri | Mutual Fund

Since you are retired, we suggest that you can invest in balanced funds for SWP. However, drawing Rs 5,000 per month is very high. We suggest that you should not draw more than 8-9% annually during the... Read More

Let me know SIPs with low risk for long term

I am 21 year old and I want to invest in mutual fund through SIP. I can invest 1000 PM. Please suggest MF scheme for long term. I am new in this field have no idea. And I can take little risk. Please suggest?

Apr 11, 2017 by Kuldeep Bijaka, Jaipur | Mutual Fund

Since you can not take much risk but can invest for the long term, you can invest in hybrid debt funds, also know as MIPs. You can see the consistent performing MIPs from here... Read More

Should I do STP from ELSS Fund to open ended fund

I had SIP in HDFC tax saver fund and stopped it 9 months back as my 80C section is now full. HDFC tax saver fund is not performing that good compared to its peers. So I planned to STP the redeemable units monthly to HDFC Mid cap opportunities fund-D-G. I would like to STP all my units periodically, so it comes to around 5 years. Is this the right pick considering the market is at peak or should I go for HDFC balanced fund? I do not have any mid cap funds in my portfolio?

Apr 11, 2017 by Vinayak, Bangalore | Mutual Fund

Yes, you can transfer units from your existing investment in HDFC Tax Saver Fund to HDFC Midcap opportunities fund through monthly STP route. The choice of doing STP between two funds - HDFC balanced... Read More

Should I reshuffle my existing mutual fund portfolio

I am 35 years of age. Following are my MF investments: 1. L&T India Special Situations Fund (Growth) - Invested Rs. 6000 (including entry load, etc.) when it was launched (as Fidelity India Special Situations Fund), about 10 - 11 years ago, 2. Reliance Money Manager Fund (Growth) - Lumpsum investment of Rs. 25,000 in February 2016, 3. Birla SL Frontline Equity Fund - Growth (Direct plan) - SIP of Rs. 2000 per month, started in April 2017, for 2 years. I am still invested (Rs. 6000) in the L&T MF. Should I invest more in this scheme, or should I redeem it partially/fully? Or do you recommend maintaining status quo? Professionally, I am a free-lancer with variable monthly income of Rs. 42,000 to Rs.48,000 per month. Some months the income is even zero. I have a little over Rs.5 lacs in PPF as of today (3 years' worth of investment). I want to invest about Rs.3000 to Rs.5000 more per month. Please suggest some good MF schemes which will create wealth in the next 3 to 5 years. I am open to moderate risk. Or do you think I can take higher risk? Kindly advise?

Apr 11, 2017 by Ajay Rathod, India | Mutual Fund

Apologies for replying late. Please note the following - You can move out of L&T India Special Situations Funds as it has not been performing as well as the peer group of funds in diversified equity fund category... Read More

Should I invest in lump sum or SIP as I am new to mutual funds

I am totally a newcomer to this field. Should I invest in monthly or lump sum plan, Please inform?

Apr 10, 2017 by Shashi Kumar Shama, Ajmer | Mutual Fund

Glad to note that you want to invest in mutual funds. Investing in lump sum or through SIPs depend upon availability of funds and the investment objective and it has nothing to do with new or old comers... Read More

Which are the best balanced fund and best dividend paying fund

Please inform me the present best balanced fund and best monthly dividend paying mutual fund?

Apr 10, 2017 by Sumit Kumar Saha, Agartala | Mutual Fund

The following balanced funds are amongst the top performing and also pay monthly and/ or... Read More

Should I rebalance my mutual fund portfolio

I am investing almost 2 years in MF. All my below funds doing well. I want to re-balance my port folio as suggested by all advisor not keeping more than 5-6 fund in the portfolio and one fund in Large, Multi & Balanced Fund category so that port folio should not be over diversified. Please suggest which fund I will keep for those categories. My investment horizon is more than 15 years. Thanks in advance for your suggestion. ELSS - Axis Long Term Equity - G 5000, Large - Birla SL Top 100 - G 5000, SBI Bluechip - G 5000, Small & Mid - DSPBR Micro Cap Direct - G 5000, Franklin India Smaller Companies Direct - G 5000, Mirae Asset Emerging Bluechip Reg - G 5000, Multi - ICICI Pru Value Discovery Direct - G 8000, Kotak Select Focus Direct - G 7000, Balanced - ICICI Prudential Balanced Direct - G 2500, L&T India Prudence - G 5000?

Apr 10, 2017 by Dhiraj, Kolkata | Mutual Fund

You have invested in top performing funds from their respective category and the portfolio is suitable for investors with high risk profile. You have selected funds from large cap, ELSS, diversified, balanced and mid... Read More

Which is the safest mode of investment in mutual funds

I have 5 lakh capital. Which is safest mode of investment in mutual funds. Can I invest in debt fund and do SWP in diversified fund. Or park money in liquid fund and invest intrest amount in mutual funds. Please guide?

Apr 10, 2017 by Anand, Indore | Mutual Fund

There is nothing called safe investments in mutual funds as by nature Mutual Funds are risky as they invest in market linked investments. However different category of funds carry different level of market risk... Read More

Are the funds selected by me good for long term investment

I am 31 now and starting SIP from next month only. I have a budget of Rs. 20,000 for SIP. I googled a bit and have decided to invest Rs. 5,000 each in the following funds - 1. SBI Bluechip, 2. ICICI Prudential Value Discovery Fund, 3. HDFC Balanced Fund, 4.UTI Midcap Fund. Please give me your suggestion about the fund selection. My goal is long term (about 10 years) and am a moderate risk taker?

Apr 10, 2017 by Joyeeta, Kolkata | Mutual Fund

You have selected good funds for doing SIP for your long term investment needs. However this basket of funds are ideal for investors with moderately high to high risk taking appetite. If you risk profile is... Read More

Any idea about Sahara Infrastructure variable pricing fund

I had Sahara Infrastructure - Variable Pricing - Growth funds. I didn't followed up on Sahara issues. Now I trying to see the status on those funds. But couldn't see it on online. Any idea on this funds?

Apr 10, 2017 by Jothiram, Hyderabad | Mutual Fund

As you have rightly mentioned Sahara group is not in a very good shape and so is their mutual fund. Sahara Infrastructure Fund - Variable pricing option - growth is an open ended sectoral fund with focus... Read More