Investment, Financial Planning, Mutual Fund & Income Tax Queries

Am I investing in the top performing mutual fund SIPs

This is to inform you I have already invested in below 4 MF, this is right choice or not 15 years horizon. 1. Kotak Select Focus - 1000 SIP, 2. HDFC Balance Fund - 1000 SIP, 3. Most Focused 35 Fund - 1000 SIP, 4. L&t Emerging Business - 1000 SIP. Please suggest me sir and I have 4 lacs other which fund lump sum invest for one year?

May 30, 2018 by Gautam Patel, Mehsana | Mutual Fund

The 4 schemes that you have chosen from Multi-cap, Equity Hybrid and Midcap category are among the top performers in their respective categories. Therefore, these can held for long term for meeting your... Read More

Am I investing in best mutual fund schemes

I am Venkat. I am a new MF investor. I am regularly visiting your website for Mutual Fund information and Thanks for your advises. My current portfolio is - ABSL Pure value - 1000/pm - 5/10 yrs, Reliance Small Cap - 1000/pm - 5/10 yrs. Now I wish to add following funds with Rs. 1000\pm each. Please suggest from following funds - Franklin India Smaller Companies, Canara Roboco Emergency Fund, Mirae Asset Emerging Bluechip Fund, L&T Emerging Business Fund Growth. My Total investment limit is 5000/6000/pm only. I will continue my investment upto 10 years. Kindly Advise me, as I am new to this type of investment?

May 14, 2018 by Venkata Narayana A, | Mutual Fund

Good to know that you visit our website regularly. You are investing in two good mid and small cap funds - ABSL Pure Value Fund and Reliance Small Cap Fund. Please note that mid and small cap funds can... Read More

Where to invest my money for next two years

I have been receiving your articles from advisorkhoj which are very valuable and very knowledgeable. I would like to know your advise on which are the mutual funds I need to put a corpus of Rs. 8 lakhs which are maturing from a recurring deposit which I had saved for my daughter's marriage in about 2 years time period. kindly advise. I would like to have this amount is capital protected as well as it should give good returns compared to bank FDs?

May 14, 2018 by Chandavarapu Satyanarayana Rao, | Mutual Fund

Thanks for the kind words ! I am glad that you liked our website and found it knowledgeable. Coming back to your query, your investment horizon is approx two years and therefore, you can invest in short term... Read More

Am I investing in best mutual funds to meet my future goals

I have some doubts about mutual fund. So that I am sending my portfolio to you. I need your suggestion. I have following SIP(s) running on (started on Jan-2018). I have investment horizon 20 years - 1. Mirae Asset India Equity - Rs. 7000, 2. DSP BlackRock Opportunities + Tata equity P/E fund + Motilal Oswal Multicap 35 = (7000*3) = Rs. 21000, 3. Principal Emerging Bluechip + L&T Mid cap = (7000*2) = Rs. 14000, 4. Reliance Small Cap + ABSL Pure Value fund = (6000+7000) = Rs. 13000. I want to build this corpous for my kids education, higher education and for my retirement. GOAL (I have considered inflation also) - 1. 1st Kid Graduation = 40L, 2. 1st Kid Post graduation = 75L, 3. 2nd Kid Graduation = 60L, 4. 2nd Kid post Graduation = 1Cr, 5. Retirement Corpous = 6Crs, NB: 1st Kid age is 1 yr, (2nd Kid I will plan after 2 - 3 yrs). I have a short term goal 5 - 6 years. I want to buy a house for this down payment below fund - 1. HDFC Balanced fund = Rs. 10000, Kindly let me know if I have to change any schemes and shall I achieve the goal with this investment?

May 14, 2018 by Dibyendu Rakshit, | Mutual Fund

You are investing in good mutual fund schemes from the mid cap, diversified and small cap category. The portfolio is quite aggressive and suitable for those with high risk and having a long term investment horizon... Read More

Should I invest more in small and midcap mutual funds

I want some advice regarding my investments. I am investing 50k per month equally distributed in 5 mutual funds - 1. ICICI Pru Focussed Bluchip, 2. SBI Large Cap, 3. ABSL Equity, 4. ABSL Small and Midcap, 5. L&T Midcap Fund. I am a Govt. employee and I do not have any immediate need of money in next few years. I have tried to pick funds with long term proven returns. Please help me with my investments. Also, we generally say that if we have long investment period, then only we should invest in small or midcap funds. Now, if I say that I am ok with my money locked for next 10 years, why I should be investing 100% in small or midcap fund to maximize returns. What is the possible downside?

Apr 30, 2018 by Rajat Batra, | Mutual Fund

Please note that my reply below should be treated as suggestion only and not financial advice. If you are looking for financial advice, you must connect to a financial advisor in your city. I find that you have... Read More

How can I get the list of companies according to recent SEBI mutual fund category classification

1) My elder brother is interested to invest lump sum of 10 lakh rupees in mutual fund for long term. But confused in verities of funds, it will be helpful for him if you suggest any fund. Basically I am interested in searching a fund which is in large cap or mid cap and having MNC companies in his portfolio like Birla Tax Saver Fund 96? 2) SEBI have introduced a 100 companies lists for large cap category, 100 companies for mid and small cap categories, sir I want to see that list but I am unable to find it on SEBI website, can you suggest me the correct icon path on SEBI website or please send it's link? 3) Practically it is not possible for any mutual fund house to manage any amount without expense ratio. But on advisorkhoj website some funds are having zero expense ratio. It is very good to see the funds expense ratio and return separate on advisorkhoj website but in some funds expense ratio space there is " - " marks? 4) Is there any branch website of advisorkhoj which is related to share market?

Apr 30, 2018 by Shri Ram Nirdosh, | General

I think, your elder brother should invest in mutual funds according to his profile and investment horizon. Following could be some example - In case your brother can take moderately high risk, he can invest in... Read More

What if I invest in best ELSS mutual funds

I have read your answer on quora regarding mutual funds investment. I want to know the below details. Please answer me if you're free. How will it work if I invest 2k per month upto 3 years in ELSS mutual funds? What will be the return? What will be the risk percentage? Let me know any advises to be better investor?

Apr 30, 2018 by Eranna UV, | Mutual Fund

If you invest Rs 2,000 a month in ELSS mutual funds for 3 years, your annual investment of Rs 24,000 (Rs 2,000 x 12 months) will qualify for deduction under Section 80C of The Income Tax Act 1961. Please... Read More

How to invest in the lowest NAV of mutual fund schemes

Please guide me on the following noted points; 1. In which month from 23.4.2018 onward to invest in ELSS in a mutual fund when lowest NAV will be available, 2. In which month from 23.4.2018 onward to invest in Balanced Fund in a mutual fund when lowest NAV will be available, 3. In which month from 23.4.2018 onward to invest in Diversified Equity in a mutual fund when lowest NAV will be available. Expecting your cooperation?

Apr 30, 2018 by Debasish Mitra, Hooghly | Mutual Fund

Sorry to say you are asking about an impossible thing. No one in the mutual fund industry in India has this answer, i.e. predicting when the lowest NAV in a mutual fund scheme will be available. Please note that... Read More

Which are the best ELSS mutual funds to invest in 2018-19

Please guide with relevant data for invest in best ELSS to invest for 2018-19?

Apr 9, 2018 by Debasish Mitra, Serampore | Mutual Fund

We have a section which suggests top 10 funds in each of the mutual fund categories. You may choose the best ELSS funds from the ELSS fund category by clicking on the this link... Read More

Am I investing in the best mutual funds

You are really creating an investment era by contributing significantly to all sectors of investors, thus playing a vital role towards fulfilling dreams of masses. Kindly keep up the good work. As conveyed earlier, I am a retired Technical Director from Govt. of India Deptt. Just aged 53 Years. Took Voluntary Retirement with no standing liabilities. I have invested my retirement proceeds in Debt and Equity Sectors as per attached Excel File. I am investing Rs 1,50,000 annually in PPF also. My Aim is to grow them significantly via investing in High Quality Mutual Funds over a long period of time. I would request you to kindly go through the attached Excel sheet and suggest me :- 1. Do you suggest and recommend to exit any Mutual Fund and invest in some other Mutual Fund, 2. This is my hard earned money, so safety of the money with quality growth is my aim, 3. Presently investing around Rs 1 Lac via STP on monthly basis in Equity Mutual Fund. Started all Investments from Feb 2016 in Direct Growth Mode, 4. Liquid Funds hold amount for investment in Equity fund only for 2-3 Months STP. Whether I should keep on investing even by using my funds from Debt Fund as I have read in your posts that investment in equities should continue for atleast 5 years to reap benefits through significant capital appreciation. I feel if I continue STP for 5 Years, I will have to use amount of Debt Funds, doing so will result in zero balance in Debt Fund, 5. Any Change in Mutual Funds Schemes (Exiting / Entering like investment in Gold ETF etc), 6. If any Change in Mode or amount of STP is required may kindly also be conveyed, 7. Kindly go through the details furnished and suggest appropriate line of action along with Timelines to create huge capital appreciation. I am an aggressive investor?

Apr 4, 2018 by Sat Paul Goyal, | Mutual Fund

At the outset, I thank you for the kind words about Advisorkhoj. We have gone through the details of your current investments and found that you have not mentioned two things – What much risk you can take... Read More