Investment, Financial Planning, Mutual Fund & Income Tax Queries

Which are the top debt funds to invest

I want to invest some money in debt funds for capital appreciation for a time horizon of more than five years. I consider myself a moderate risk taker. Please suggest appropriate funds?

Sep 12, 2016 by Pranav Kumar Tewari, Patna | Mutual Fund

You may invest in Income funds. There are quite a few top performing Income Funds which you... Read More

Is my mutual fund portfolio allocation fine

I am 62, years old. My present portfolio in various mutual fund in equity: 4.25 lakhs and Balanced fund: 2.30 lakhs. Now what to reallocate?

Sep 9, 2016 by Probhat Gogoi, Guwahati | Mutual Fund

On the basis of your one line query it is difficult to tell you exactly where and what to reallocate? It should be based on your risk taking appetite and time horizon of the investment. You may like to check this... Read More

Should I invest in Mutual Funds as the market is at its peak

Market is at its peak, is it advisable to invest in MF?

Sep 9, 2016 by Seetharam Sudhir, | Mutual Fund

Yes, stock market is close to its all time high. Investing in mutual funds totally depend upon your time horizon, risk taking appetite and future goals. You should check the right asset allocation of funds for you... Read More

For corporate does it make sense to opt for growth option in liquid funds

In the case of investments in liquid / liquid plus by corporates for a short period of time, which option makes sense Growth or Dividend Re-investment option. As dividend distribution tax of 34.608% is deducted on a daily basis, as a corporate they lose the compounding impact of cash flows. Hence, do you think, growth option makes sense?

Sep 9, 2016 by Sucharitha H Athreya, Bangalore | Mutual Fund

Yes, growth option makes sense for the sake of simplicity and also if the income of the corporate is less than 10 Crores as the surcharge rate is low. However, the dividend distribution tax and short term capital... Read More

My parents want to withdraw 30 lakhs from bank FD and invest in Mutual Funds to receive monthly returns

Thanks to your SIP, SWP & STP tools in MFs. My father was retired employee and just completed 70 years & mother is house wife 65 years. So far he invested his retirement benefits in Bank FDs only. With advise now he is investing through SIP 13,000 per month in ICICI Prudential Long Term Equity Fund (Tax saving) Dividend to get 80C tax benefit & also invested 200,000 in ICICI Prudential Balanced Advantage Fund Growth in Aug 2016 and planned SWP 9% return after one year. After shown your website & tools he wants to invest around 30 Lakhs duly withdrawing from FDs further. Please suggest any MIP, SWP, Dividend funds like (L&T prudence fund) or STP etc. to suit his needs i.e., monthly or quarterly tax free returns?

Sep 8, 2016 by G V Ramaprasad, | Mutual Fund

Your father’s investment in ICICI Prudential Long Term Equity fund for savings tax is perfectly fine. He has chosen dividend option which is good for him as he can enjoy the tax free dividends while holding this... Read More

Can your show a research if there is any difference between Growth and Dividend reinvestment options

Have been using your Research tool for sometime and been amazed with great details you have designed them, Congrats. I need to know whether somebody investing same amount for same tenure eg. Rs. 100000 for 10 years in Equity fund Growth scheme ad well as Dividend reinvestment of same scheme, what would be difference in return. Please see if you can provide me with such details at your earliest?

Sep 8, 2016 by Debraj Sengupta, | Mutual Fund

Thanks for the feedback. Glad that you liked our research tools and found it useful. We have been planning to create this tool for some time now. We will definitely build it and let you know... Read More

Can you suggest MFs from where I can earn regular dividends

Can you suggest a MF so that on investing RS 10 Lakhs at present NAV I can earn min. Rs. 8500 to 9000 per month in the form of dividend/interest?

Sep 8, 2016 by Biman Kumar Chatterjee, | Mutual Fund

Considering your occupation and age, we had earlier suggested you to invest in balanced funds. Balanced funds are ideal to withdraw a regular return from your investments in form of SWP. By investing... Read More

How should I invest my savings left after regular monthly SIP

How should I invest my savings left after regular SIP every second month?

Sep 7, 2016 by Sundeep Nigam, Haridwar | Mutual Fund

If we have understood your query well, you are left with some surplus to invest after monthly SIPs. You can invest this surplus in liquid funds. This is really useful only when you are not sure about what to do... Read More

Is my SIP investment in HDFC Top 200 and HDFC Equity fund right

I have Rs. 1000 per month SIP in HDFC Top 200, HDFC Equity Fund, DSP BlackRock Top 100 Equity since 2011 to till date, its right or wrong?

Sep 7, 2016 by Sanjeev Singh, | Mutual Fund

HDFC Equity Fund and HDFC Top 200 Fund have delivered very good long term returns but their performance in the recent past has not been that great! Due to this ratings agencies have also downgraded them... Read More

Can you please advise as I want to invest around 20000 in monthly SIPs

I am already invested in 3 MF's (HDFC Top 200, Axis Triple Advantage and Franklin BlueChip Fund) and one ULIP (ICICI Pru Smart Kid Premier) since Oct 2011 for 8500 monthly. I am planning to quit all these funds and want to invest in new funds which can be fruitful in coming times. Can you please advice what should be my approach? I have around 6 lakhs accumulated from these Funds, apart from that I want to increase my total investment to around 20K per month (from 8.5k now)?

Sep 7, 2016 by SSD, Pune | Mutual Fund

We do not know why you want to stop SIPs in AXIS Triple Advantage Fund, HDFC Top 200 Fund and Franklin India Bluechip Fund? If you want to start SIPs all over again, then selecting funds from diversified equity... Read More