Investment, Financial Planning, Mutual Fund & Income Tax Queries

Can you please suggest top 10 debt funds

Please Suggest 10 top debt fund?

May 9, 2017 by Anil Kumar Saha, | Mutual Fund

Please note that are many category of debt funds depending upon your investment horizon and investment objective. Therefore, it is difficult to provide you top 10 debt fund scheme names as we are not... Read More

Suggest mutual funds for one who is new to this

I am new in mutual funds and I need advice to invest in different mutual funds?

May 9, 2017 by Bapodara Bharat , Gandhinagar | Mutual Fund

As you are new to mutual funds, you should not try to invest in different types of mutual funds. The reason being, mutual fund investments should be based on one's risk taking ability. You should select funds... Read More

What is ultra short term funds and how to do STP to midcap funds

What is Ultra Short Term Fund. I am a PSU servant getting handsome salary. I want to invest in Ultra Short Term Fund with options of STP to Mid Cap Mutual Fund. Please suggest how I should proceed. Which is best Ultra Short Term Fund and Small/Mid Cap Mutual Fund for investment at present scenario?

May 9, 2017 by Birendra Singh, | Mutual Fund

Ultra-short term debt funds (previously known as liquid plus funds) are money market mutual funds with residual maturity of less than a year. Ultra short debt funds are slightly more volatile than liquid funds... Read More

Can you suggest best SIP plans for 20 to 25 years

Can you guide on best SIP Plans for 20-25 years?

May 9, 2017 by Robin Jindal, | Mutual Fund

Glad to note that you want to invest in SIPs for the long term of 20-25 years. Please note that for long term SIP investments, diversified equity funds are the best choice provided your risk taking appetite is... Read More

Suggest low risk mutual funds in place of fixed deposits

I have FD 3 lac 25 thousand. I want to invest in mutual funds with low risk please suggest me?

May 9, 2017 by Harmeet Singh, | Mutual Fund

As you can take only low risk, you may consider investing in debt funds or hybrid debt funds in lieu of fixed deposits. You can see the return of these funds from the following links... Read More

Can you suggest balanced funds giving higher than FD returns

I want to know the Balance Funds which can give more than FD returns?

May 9, 2017 by Rajkumar Sharma, | Mutual Fund

If you see the historical performances of balanced funds, you will find that all good performing balanced funds have given superior returns over fixed deposits over medium to long term. Therefore, if you... Read More

Can you suggest best mutual funds for future of my children

I was just doing Google and I came across with your website. Hope you will able to help and clear my doubt. I am Akbar from Hyderabad, and living with, Mom and Wife with two kids (Son age 2 years and daughter age 7 month). Am looking for best performing mutual fund for investment for my kids future. My current financial status is that I have a home loan and personal loan with total EMI is Rs. 10,000 PM. No credit card payment pending all clear. My take home salary is Rs. 27800. By now understand my financial status, Currently I am planning to invest at least Rs. 1000 each of them (my kids). And slowly increase every year the amount depending on my salary increment. Investment for longer periods. Now please can you advise me on best mutual fund on SIP mode payment?

May 9, 2017 by Akbar Khan, | Mutual Fund

Glad to hear that you found us on Google and wrote this query to us. Also glad to hear that you want to save in mutual funds for future of your children. Since your investment horizon is long, you can invest... Read More

Which mid and small cap fund is good for long term

I want to invest lump sum and SIP for 10 years, and I want to invest in mid and small cap fund, is it is good time to invest and suggest me the fund also?

May 7, 2017 by Om Prakash, Azamgarh | Mutual Fund

If your risk profile is high, mid and small cap funds can be a very good choice for long term SIP investing. You can select couple of top performing schemes from this selection - Mirae Asset Emerging Bluechip... Read More

Can you suggest mutual funds for US based NRIs

I might move to USA for couple of years. I know I can invest in only certain Indian mutual funds. My risk appetite is moderately high. Would like to invest in the following manner 35% in mid and small caps, 20% in diversified fund, 20% in large cap, 25% in balanced fund (hybrid oriented). My investment horizon is more than 5 years. Could you please let me the best possible mutual fund schemes by considering only the funds which allows US NRI to invest? I would greatly appreciate your help on giving recommendation for this question?

May 7, 2017 by Bharghav, Bengaluru | Mutual Fund

The number of AMCs accepting investments from US based NRIs are many. SBI Mutual Fund, ICICI Prudential Mutual Fund, Reliance Mutual Fund, DHFL Pramerica Mutual Fund, L&T Mutual Fund, PPFAS... Read More

Have I selected the right funds from your website

Firstly, please accept my sincere congratulations on the fantastic work your team is doing in educating novices like me. I reckon your site is easily the best out there as far as educating new investors on mutual funds is concerned. Now, coming to my question. Am 41 and realised rather late the importance of investing in mutual funds. But, I guess, better late than never. My goal is to accumulate wealth over the next 18 years (till my retirement). I have nothing against the SIP approach but am more comfortable investing small chunks of money monthly/quarterly as per my convenience. I plan to invest around 3 lakhs spread across 12 months. I fully understand the risks associated with mutual funds. Considering my age(41), I do not want to fall into the trap of investing aggressively to make up for my lost time. Instead, I would like to categorise my risk appetite as moderate to a bit risky. After going through the gold mine of information in your site, I zeroed in on a few funds. Would greatly appreciate if you can review my portfolio and advice me accordingly. Thanks to all brilliant articles, I decided not to have a cluttered portfolio and instead have a portfolio with 4 funds and I plan to throw in a debt fund to the portfolio after a couple of years to start balancing my equity-debt ratio. Large Cap Selection: I shortlisted with Kotak Select Focus Fund as my Large cap fund. I noticed that you chose to classify this fund as a "Diversified fund" where as Money control classifies it as a "Large Cap" fund. I believe this should not be too much of an issue if I stay invested for a long time (5-7 years). Need less to say, I plan to review the fund's performance every six months but only after the first three years. Diversified/Multi Cap Selection: I shortlisted Birla Sun Life Equity Fund as my diversified fund. Again, plan to stay invested for a long time(5-7 years) with the rider that, will periodically review the fund's performance after the first three years. Mid/Small Cap Selection: Franklin India Smaller Companies Fund is the one I shortlisted. Was tempted to go with Reliance but decided to stick with this tried and tested fund. Even if it returns 2-3 percent less than its competitors, am not going to lose any sleep over it. My expectation from this fund is to match the performance of the bench mark index. Anything over above the bench mark index will be treated as a bonus. Balanced Fund Selection: Again, thanks to your crisp blogs/articles on Balanced Funds, I decided to opt for it as I believe it suits my risk appetite. I decided to for the balanced fund from the DSP stable. I did consider HDFC and TATA Balanced Funds and honestly nothing much to choose between these funds. Considering DSP's pedigree as a fund house, decided to shortlist it. Lack of a Debt Fund in my portfolio. I read all your blogs on Debt funds. quite informative but I believe my portfolio does not warrant for a debt fund right now. I believe I will need a Debt Fund after about 2-3 years to balance my Equity-Debt ratio to protect my capital. For now, I wish to stay fully invested only in equities and the only debt part in my portfolio will come from DSP's Balanced account. Long Term Plan is to go for a debt fund and configure STP. Can you please review my portfolio and suggest accordingly? I invested Rs 1,00000 (One Lakh) till date and will invest another 2 lakhs in the same funds (Plan to allocate Rs. 60,000 to the Balanced Fund by the end of the year) over the next 7 months. DSP BlackRock Balanced Fund - Rs. 15000, Kotak Select Focus Fund - Rs. 25000, Birla Sun Life Equity Fund - Direct Plan - Rs. 20000, Franklin India Smaller Companies Fund - Direct - Growth (SIP) - Rs. 40000?

May 6, 2017 by Kalyan, Hyderabad | Mutual Fund

Thanks for the kind words about Advisorkhoj, Glad that you liked our content and research and could easily select funds for your investments. This is the whole objective of Advisorkhoj, empowering the investors... Read More