Investment, Financial Planning, Mutual Fund & Income Tax Queries

Should I continue with Reliance Equity Opportunities Fund

I am investing Rs. 1100 in Reliance equity opportunities fund - growth since last 2 years. But I have not seen any growth in my investment. Please advise if I should continue with it or stop investing in this fund?

Dec 23, 2016 by Pradeep Patil, Ahmedabad | Mutual Fund

The long term performance of this fund is very good, if you consider the performance of this fund over 5,10 years and since inception. It has comfortably beaten the benchmark and category returns over these... Read More

Which Mutual Fund is better and which is risky

I want to invest in mutual fund how I know which mutual fund is better and which is risky?

Dec 23, 2016 by Mayur Joshi, Ahmedabad | Mutual Fund

It is a very long topic to cover and may require writing a whole article for readers who have similar query. Thanks for giving us this food for thought, we will definitely do one article on this topic... Read More

Is the balanced fund right option for lump sum investments

I want to invest Rs. 10lakh lump sum amount in mutual fund for five years. Is the balanced fund right option to invest lump sum amount? My aim is to earn more returns and ready for some risk also. So is the balanced fund right option?

Dec 23, 2016 by Gaurav, Anand | Mutual Fund

Selection of funds for investing in mutual funds should be based on your investment horizon and risk taking appetite. If you do not want to take much risk, then yes, balanced funds are very good option for... Read More

How is the performance of SBI Smart Wealth Builder policy

I am investing in SBI Smart wealth builder policy since 2014. I want to know the performance of this policy in market and currently my investment is directed into Bonds. Which fund option will be best seeing current market scenario - Bond Fund, Top 300 Fund, Discontinued Policy Fund, Money Market Fund, Balanced Fund, Equity Fund, Growth Fund And Equity Optimizer Fund?

Dec 21, 2016 by Ankita, Noida | Mutual Fund

Please note that SBI Smart Wealth Builder policy - the Bond Fund option - has given CAGR return of 11.9793% for the period January 1, 2014 to till date. You may check this here... Read More

What is the difference between investing in direct plan and regular plans of mutual funds

What is the difference between DIRECT and REGULAR funds apart from commission. I see expense ratio for direct funds is less. Which one would you suggest for fairly knowledgeable investors for long term. Are there any other benefits regular funds offer comparative to direct funds. Thanks for spreading knowledge on investments?

Dec 21, 2016 by Venkat, Bangalore | Mutual Fund

Yes, for fairly knowledgeable investors who has time and understating of the markets and products, mutual fund direct plans are a better option as the cost is low. However, if you wish to avail the advise and... Read More

Can you suggest if one can get tax free return after 3 years from mutual funds

I want to invest money for 3 year with good return and amount received at time of maturity should be tax free. Please suggest me whether to invest in mutual fund or debt fund?

Dec 21, 2016 by Ankit Dekate, | Mutual Fund

At the outset, please note that debt funds are mutual funds only. In India, investors relate investment in equity funds only to mutual funds. But that is not correct as mutual funds offer not only various kind... Read More

Can you let me know the best STP option from liquid to debt fund in BSL MF

Kindly let me know the best options for STP in Birla Sunlife Mutual Fund (Liquid fund to Debt fund)?

Dec 21, 2016 by Rakesh Jain, New Delhi | Mutual Fund

Generally speaking, STP is a popular concept for transferring from liquid fund to equity fund for rupee cost averaging benefit. You can transfer a fixed amount from liquid fund to equity or any other fund at a... Read More

Which are the best performing balanced funds to invest for 15 years

I am curious to know, if you could kindly suggest, which are the best performing balanced funds to invest, with a horizon of 15 years and investment through SIP. Please advise?

Dec 21, 2016 by Pawan Sharma, New Delhi | Mutual Fund

It is great to note that you want to invest in balanced funds through SIP route with investment horizon of 15 years: ome of the top performing balanced funds which you can consider are as follows... Read More

Do I need to invest in 4 liquid funds in order to do STP in 4 different equity schemes

I have 15 Lakhs in Fixed Deposits and I want to do start STP into 4 equity funds. I want to know if I have to open 4 different liquids to transfer into 4 equity funds or I can do it from 1 liquid fund to 4 equity funds?

Dec 20, 2016 by Subho, Chennai | Mutual Fund

Thanks for the kind words. Glad that you liked our STP research tool. STPs can only be done from one fund to the other within the same AMC. For example - if you want to do STP into ICICI Prudential Value... Read More

Can I redeem ELSS mutual funds before three year lock in period

I have read views of Priyanka Chakrabarty on Quora website. Would be grateful if you can provide me a practical solution for my below Query. I have invested in Motilal Oswal Mutual Fund - MOST FOCUSED LONG TERM FUND. My agent did not told me that it was with a lock in period. Now I have urgent need for the funds. I have invested in this funds after 31.03.2016. And I would not take the tax benefits of the same?

Dec 20, 2016 by Nehal Chugh, | Mutual Fund

Please note that MOST FOCUSED LONG TERM FUND is an ELSS fund with a lock-in-period of 3 years from the date of investment. Investments in Equity Linked Savings Schemes (ELSS), upto a maximum... Read More