How can I start investing in mutual funds through an advisor in Delhi

1. Please refer the trail email and also your call to me with regards to your capital gain taxation and mutual fund investments.

2. Please note that we have discussed and answered your capital gain query and that is sorted.

3. With regards to mutual fund investments, I am glad that you have a very long term view and you can invest in lump sum as well as SIP.

With regards to lump sum investing, as discussed, you may opt for STP route. For this, you can put the lump sum amount in a liquid fund and transfer a fixed amount weekly to an equity fund of the same fund house. This will help you earn better than savings bank return on the liquid fund while averaging the acquisition cost of the equity fund where you are transferring the amount weekly.

Let us understand this through a real example – Suppose, you had invested Rs. 10 Lakhs on 1^st January 2011 in Birla Sunlife Cash Plus Fund and started weekly STP for Rs. 2,500 to Birla Sun Life Frontline Equity Fund Growth and the same is still continuing. Following would have been the result of the above action –

• Birla Sun Life Cash Plus Fund - Rs. 7,75,000 has been transferred from this fund to the equity fund and the current value of this fund is still Rs. 6,58,000. The fund has given 9.03% annualised return


• Birla Sun Life Frontline Equity Fund - Rs. 775,000 received as STP transfer from liquid fund and the current value is Rs. 11,99,000. The fund has given 14.76% annualised return.


• Therefore, you portfolio value is now Rs. 18,57,000 ( Rs, 6,58,000 in liquid and Rs. 11,99,000 in equity fund) with an annualised return of 10.98% !


• Suppose instead of STP, what would have been the result had you invested the Rs. 10,00,000 as lump sum in Birla Sun Life Frontline Equity Fund on 1^st January 2011? The current value would have been Rs. 18,10,000 with an annual return of 10.51% - Please check here https://www.advisorkhoj.com/mutual-funds...


• Therefore, you would have earned Rs. 47,000 more through STP route.

Please check the STP cash flow and returns from here - https://www.advisorkhoj.com/mutual-funds...

4. With regards to connecting with a financial advisor in Delhi for your mutual fund investments, you may please contact Mr. Anirudh Dar, Founder & CEO of http://bridgeinvestments.in/. Based out of Gurgaon, Anirudh is an accomplished investment advisor and runs this financial advisory company. You can contact him on +91 98118-88058 or write to him @ anirudh.dar@bridgeinvestments.in

@ Anirudh – As you can see in the trail email, Mr. Lavania wrote to us seeking services of a financial advisor for his mutual fund investments. He is based out of Delhi and he and his spouse work in India Railways. Please do connect to him and hand hold with regards to his mutual fund investments.

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