Investment, Financial Planning, Mutual Fund & Income Tax Queries

How to see best 10 MF schemes in any category

Best 10 Mutual Fund in any category?

Jul 20, 2017 by Brahmananda Majhi, Kolkata | Mutual Fund

To see the 10 best funds in each category, please check the following link in our mutual fund... Read More

Where to invest my money which is lying in bank account

At present I have 1lac cash at my SB A/c. I want to deposit it in Mutual Funds. At the same time I want to start a regular SIP for Rs. 3000 per month. I need your help?

Jul 20, 2017 by Brahmananda Majhi, Kolkata | Mutual Fund

Even though you have mentioned the amount that you want to invest, what you have not mentioned is the time horizon for which you want to make the investments and our risk profile. The same applies in... Read More

Can you review my current mutual fund portfolio

I have recently joined on advisorkhoj and wanted a review of my current MF Portfolio. I am retiring in next 8 months and would like to have good tax free income (yield) on a monthly basis. Am not considering SWP as yet?

Jul 19, 2017 by Mukesh Kumar Jain, | Mutual Fund

Thanks for writing to us for reviewing your mutual fund portfolio. The first suggestion is that you must consolidate your portfolio by reducing the scheme numbers to maximum 5 or 6 as your objective... Read More

Can you suggest mutual funds that give regular dividends

Kindly send me few funds that can give regular dividend to clients yearly twice or at least once at the same time principal amount also should be safe? 2. Give me 3 debt fund 8 to 10% p.a with full safe of principal amount?

Jul 19, 2017 by Swaminathan R, | Mutual Fund

There are many a funds that give annual and half yearly dividends. But, you have not mentioned which category of funds your investors want to invest in order to get these returns. As you may know, investors... Read More

Is ICICI Prudential and Birla Sun Life Balanced Funds good

I have received your email and have decided 2 balanced fund. Is ICICI Prudential and Birla Sun Life Advantage fund good fund. What will be return up coming years?

Jul 19, 2017 by Rajen Mondal, | Mutual Fund

Your decision to invest in balanced fund is good. Please note that ICICI Prudential Balanced Fund... Read More

Can you suggest debt funds giving tax free returns

Can you suggest any secure fund (debt fund) giving tax free return for 5 years?

Jul 19, 2017 by Urmil Barai, | Mutual Fund

Investing in any mutual fund scheme has some amount of risk. For example, liquid funds have the least risk while mid and small cap funds has the most risk. Therefore, no one can suggest you 'secured' debt... Read More

Should I stagger Mutual Fund SIPs over various dates in a month

Thank you for all the wonderful information posted on your website. Please advise, while investing INR 15K per month into one Balanced Mutual Fund for period of 10-15 years, is it okay to pick one day of the month to start the SIP on the entire amount of 15K or we should break this into smaller amount for different days of month eg INR 5K on day 1 of each month, then INR 5000 on day 14 of each month and then finally INR 5000 on day 28 of the each month?

Jul 19, 2017 by Parvati Choudhury, | Mutual Fund

There is no data which shows that if you invest through SIPs on different dates the returns would be higher. However, we have found that many investors do stagger their SIP auto debit dates in a month... Read More

Is my current SIP investments in good funds

I have HDFC Top 200, HDFC Equity Fund, DSP Focus 25 Fund, DSP Balance Fund and ICICI Value Discovery Fund 1000/pm of each fund last 5 year. It is good or bad investment please suggest me?

Jul 19, 2017 by Sanjeev Singh, | Mutual Fund

The three out of four schemes are good. You need to review investment in HDFC Top 200 Fund as the fund has not been able to match the returns of top performing peers in its category. SBI Bluechip Fund... Read More

Is my strategy of investing in various mutual fund schemes good

I am planning on investment in mutual funds and need some advice on strategy and fund selection. Planning split ratio of 70/30 for equity mutual fund/debt mutual fund. Further planning to split equity investment into 4 parts - Equity: Large Cap (30%) with single fund like - Kotak Select Focus or BSL Frontline Equity, Equity: Multi Cap (30%) with single fund like - Birla Sun Life Equity Fund or Birla Sun Life Advantage Fund or DSP BlackRock Opportunities Fund, Equity: Mid Cap (20%) with single fund like - Kotak Emerging Equity or HDFC Mid-Cap Opportunities, Equity: Small Cap (20%) with single fund like - DSP BlackRock Micro Cap Fund. Planning to split debt investment into 2 parts - Debt: MIP (50%) with single fund like - ICICI Prudential MIP 25, Debt: Short Term/Ultra Short Term (50%) with single fund like - BSL Short Term or HDFC Short Term Opportunities or L&T Ultra Short Term Fund or Tata Ultra Short Term Fund Need to do this in order to have liquidity and withdraw ASAP without much delay if situation warrants. Plan to invest into debt MFs in lump sum and into equity MFs in staggered manner - probably over a period of 12 months. Should I stagger into equity MFs in longer/shorter duration like 18 months/6 months or over 12 months is ok? Want to invest money for Equity investment in Equity: Arbitrage like Kotak Equity Arbitrage or HDFC Arbitrage Fund before moving investment in staggered way to Equity MFs (large/multi/mid/small). Arbitrage chosen over Liquid fund just due to taxation differences. Please suggest if any changes needed in approach and any better mutual funds in each category?

Jul 18, 2017 by Hari, Pune | Mutual Fund

We think, you have done a very good home work and planned your investments well including selection of funds. We can only add the following - DSP BlackRock Micro Cap Fund is not accepting any fresh... Read More

Is midcap schemes from HDFC and Mirae Asset Mutual Fund good

My age is 29. I'm investing 6000 per month Mirae Asset Emerging Blue Chip Fund direct and 5000 HDFC Midcap Opportunity Fund direct. is it good for me?

Jul 18, 2017 by Vishal, Chandigarh | Mutual Fund

Yes, both the schemes pertaining to mid and small cap category - Mirae Asset Emerging Blue Chip Fund and HDFC Midcap Opportunities Fund - are among the top performers in the category. If your... Read More