I am 60 year old. I have invested in lump sum and SIP till 65 age. In lump sum I want dividend every month. The following investment are: 1. HDFC Prudence Fund MD 1700000, 2. HDFC Top 200 Dividend: 128000, 3. HDFC MIP Long Term: 600000, 4. ICICI Prudential Balance Fund (MD): 1000000, 5. ICICI Prudential Balance Advantage Fund MD: 200000, 6. Franklin India Balanced Fund MD: 200000, 7. Canara Robeco Balance Fund MD: 800000, 8. SBI Magnum Balance Fund QD: 500000, 9. BSL Balance 95 Fund QD: 400000, SIP: 1. Axis Mid Cap Fund, 2. DSPBR Micro Cap Fund, 3. BSL Pure Value Fund, 4. SBI Blue Chip, 5. Motilal Most Focussed Dynamic Equity Fund, 6. Franklin India Smaller Companies Fund, 7. ICICI Pru Value Discovery Reg Growth, 8. Reliance Pharma Fund each SIP 5000 per month for 3 years, please advice if any change is required or not? I can take risk?
My mother age is 72 years but she is healthy and also gets regular pension. Her FD worth of Rs. 10 lakh is getting mature. She do not require money. I want to invest in MF. Sir, I am planning to invest half amount in Debt MF to get about 9 to 10% returns and remaining in some good balance fund. Please guide is it a right strategy or should I invest in Debt only and once there will be berrish phase some portion should shift in Equity? I don't want to take much risk?
Will it be wise to invest in HDFC Prudence Fund (Monthly Dividend) Plan. This fund is giving almost 1% monthly dividend. As the dividends are tax free I want to invest Rs. 10 lakhs. Kindly advice?
I am 28 years, single, and have recently (2 months) started investing in mutual funds through SIP. My goals are at different stages of my life. In the next 4-5 years. I wish to buy a house worth 40 lacs (current price). I want to build a handsome corpus for my retirement and children education. My mother will be retiring in the next 5 years so after 5 years I wish to support my parents too. I currently have INR 7 lacs towards my education loan which I can pay in the next 4-5 years in instalment, no other loans. I have term insurance of 1 cr and health insurance too. I seek your advise in building my portfolio and check if my start is good and what all funds do I need to add in order to achieve my goal. House is my first preference in the next 5-6 years. My current investments are: Franklin India Smaller Companies Fund: INR 2500, Mirae Asset Emerging Bluechip Fund: INR 10000, L&T India Value Fund: INR 7500, ICICI Value Discovery Fund: INR 5000. I can invest INR 30-40 thousand more per month. Please advise me if my fund selection is good or not. Also, advise if more funds are needed to achieve my goal and further investment or I should just increase the amount of investment in the existing funds than adding more funds? Many thanks for all your help. I look forward to your reply?
I am 28 years of old and got married 6 months ago. Current financial status 1) Monthly Salary 43k, 2) Monthly Expenditure 20k, 3) Wife searching job, 4) I am alone child and parents still earning (will retire in 5-7yrs) Mother eligible for govt. pension, 5) no home loan currently, 6) Family health cover of 10lac (apart from my company's), 7) All my LIC and other insurance have cover of 15 lac. My SIP's 1) 1k UTI Retirement Benefit Pension Plan (since Dec. 2010), 2) 1k UTI ULIP (since Dec. 2010), 3) 2k ICICI Prudential Blue Chip (since Apr. 14) 4) 5k Reliance ELSS (5k Since Jan. 15), 5) 7k Reliance Money Manager (5k since Dec. 12, incremented by 2k from Sep 15), 6) 2k LIC Saving Fund (since Sep. 13), LIC insurance premium auto deducted from here, 7) Lump sum 1.15 lac in DSP Money Manager STP 2k weekly to DSP Micro cap (Will increase amount annually as I earn more and my wife starts job) Apart from this: 1) EPF As part of salary, 2. PPF 1 lac current total (I add as per tax needs) Old stopped SIP' (no redemption yet). 1) 1k L&T Opportunity Fund (Dec. 10 - Jan 14), 2) 1k HDFC Top 200 (May 11 - May 15). I have no urgent need of these yet and return is on 15+ side Goals 1) Early Retirement at 56 years (required 3cr.), 2. A car in 1yr (required 5-6lac.), 3. Child education after 25-27 years (required 40lac), 4) A small investment home in 5yrs (7-10lac for down payment) to help tax and earn rent, 5) A big fat family vacation (once every 3yrs. required 2 lac), 6) A STP to my parents monthly 10k after 11 years, 7) 1k charity per month after 1yr Questions Are my SIP' good and enough to full fill my goals? What to do with stopped SIP' amount. Should I transfer them or let be as is?
My age is 49 and I have a cash of Rs 10 lakhs, which I want to invest in MF for 5 - 7 years. I think 65 (equity) & 35 (debt) asset allocation will be better for me. In which MF, should I invest? Looking at market all time high, whether to invest lump sum or by SIP/STP? Please guide me?
I have good amount invested to HDFC TOP 200, HDFC Equity and HDFC Prudence over last 10 years. Would like to change this investment to following funds and remain invested for next 7 to 8 years. 1) change HDFC Top 200 to Birla Top 100, 2) HDFC Equity to Birla Equity Fund & Motilal Oswal Long Term Equity Fund, 3) HDFC Prudence to ICICI Balanced Fund and HDFC Balanced. Advise whether this is right move keeping in mind next 7 year investment. I am high risk investor and this is surplus amount?
My client wishes to invest 150000 to save tax u/s 80c by investing Rs. 30000 each in 1. DSP BlackRock Tax Saver Fund, 2. Birla Sun Life Tax Relief 96, 3. Axis Long Term Equity Fund, 4. Reliance Tax Saver Fund, 5. Kotak Tax Saver Fund, all funds with dividend option. Kindly approve the amount distributed & selection of funds or suggest changes in amount & funds be made to avail liquidity & maximum gain to be invested at your earliest please?
I want to invest using SIP and lumpsum method and below are my chosen funds. Note: I started investing in the DSPBR Micro and then it stopped taking lumpsum amounts so I am inclining towards L&T Emerging and Franklin Smaller Companies. Same with Mirae. Tell me if this portfolio is too risky! Portfolio 1 (Only SIP) - 1) ICICI Value Discovery, 2) DSPBR Micro Cap, 3) Mirae Asset Emerging Bluechip. Portfolio 2 (SIP and lumpsum) - 1) SBI Bluechip, 2) Franklin Smaller Companies, 3) DSP Focus 25, 4) Franklin High Growth Portfolio. 3 (Only lumpsum in random intervals) - 1) L&T Emerging Business, 2) Canara Robeco Emerging Equities, 3) ICICI Banking and Financial, 4) DSP Natural Resources, 5) SBI Gilt Roughly, if all portfolios combined it stands 75% Equity and 25% Debt. My age is 27. Horizon is more than 10 years. I know it seems there are too many funds and will try to reduce them in up coming year. So is it more risky?
I am trying to understand Mutual funds and many of my questions are answered in your web site. Thank you. Still I have one question before investment; i.e., Few Mutual funds after 1 year returns are very good after or at least good increase till 1 year. Latter 2nd year returns reduces. How is it possible (I do understand markets risks are always their). Is their any info I am missing?
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