Best Mutual Funds to Invest in 2012 in India

Hi Hemant
A very useful article. However, I feel that you should not have ignored Balanced Funds ( Equity Oriented Hybrid Funds ) as you have already included MIPs. In my view it makes sense to invest in funds like ICICI Prudential Balanced, HDFC Balanced, Canara Robeco Balanced and Birla Sunlife 95 even though these funds do not enjoy Value Research five star rating.
Under the present condition of the market periodic asset rebalancing is very important. This can be very easily implemented automatically by mutual fund investors by investing in balanced funds.
Over the last five years, the average equity-oriented balanced fund has given better returns than all diversified fund categories.
I just want you to consider writing one article on equity oriented hybrid funds since you do not appear to have written on balanced funds so far.

Hi Hemanth

Excellent article. I am new to MF & ELSS. Had some ULIPS. Have couple of queries regarding MF. In MF & ELSS switching option is there, like in ULIPS to switch between funds? And do we need to switch between funds in MF also, by monitoring the market conditions?

Thanks & Regards
Muniraju

no one has written anything about ELSS, What will be the future?

Hi Sir,
it is really very useful article for us in the begining of year 2012. Thanks for it.
please suggest two fund , one from large cap and other from mid & small cap , monthly SIP 2000 each for period 15 years, i am very confused to select fund listed above.
please help

Long Term Debt Funds:

Why not toinclude GILT and Long term Mutual fund on the list?
Dobt funds will give mor returns as interest rates will be sliding soon.

Hi Anil/Hemant,
I have been investing on
1.ICICI Prudential Focused Bluechip Equity
2.UTI Opportunites Fund
3.HDFC Opportunites Fund
4.Reliance Equity Opportunites fund.
As Hemant suggested ,Reliance equity Opp fund termed as mid & small cap now. Should I stop this SIP and start any one of the above muti fund category?
Please advice!

Hi Deb
All the funds in your portfolio are very good. There is no need to stop any SIP. Keep on tracking your funds. Think of getting out of a fund only if it consistently performs poorly over a long period of time. However you can add a multicap fund if you think it is required.

Hello,

I’m new to investing & was thinking to start my investment journey from new year. But I don’t want to invest in more than 1 funds. Also, I want to try with little money at first, so i was thinking to invest only Rs. 500 or Max Rs. 1000 in above MF as SIP. Can you please guide which of the above fund would be best for me? And do they offer Rs. 500 as in investment?

Thanks.

Hi Hyderali
Investment in equity mutual funds done to meet your long term goals and you have to remain invested at least for five years to see any meaningful returns. In the short term you should be prepared to even lose your money. You must have risk appetite for investing in equity funds. There is no point in investing without any goal just for the sake of trying.

Hi Hyderali
You can not hope to get any fruitful returns if you invest only for one year in equity mutual funds. Chances are that you will lose your money and will never think of investing in mutual funds again. If you go through the tables given by Hemant you will find that even the best mutual funds have given negative returns in the past one year and even in the past five years the returns of equity mutual funds have not been spectacular. The lesson for you is that investment in equity mutual funds is a long term play of more than five years. I would advise you to stick to only bank/post office deposits for short term investments . Don’t try to burn your fingers by investing in equity mutual funds for short term.

Nice article
want Anil’s & your opinion about Canara robeco equity diversified (G) & ICICI PRUDISCOVERY (G).I have sip in this 2 funds since 2 years & want to continue sip for 10 years.
Are this good funds?
Also i want to the returns given in above table are of sip or lumsump investment??

Dear Hemant/Anil,

I am 29 years old and started investing in the below funds thru SIP since last 2 months. I am planning to continue my investment for 10 years.
Kindly check and let me know any modification is needed. Thanks in advance.

Large cap
Franklin India blue chip (Rs.2000)
Icici focused blue chip (Rs.2000)
Large and mid cap
HDFC top 200 (Rs.3000)
Multicap
HDFC Equity (Rs.2000)
Mid and small cap
IDFC Premier Equity (Rs.2000)
Gold
Reliance gold savings fund (Rs.4000)

Total: Rs.15000 per month.

Regards,
Karthick.

Crisp and to the point article, thanks Hemantji. Past 1 year performance are scary. I wanted to ask you something about how Mutual Funds operate.
So, every year, does fund house deduct their expenses (expense ratio) from our investment, be it a year of loss or gain, and that continues for the life of the investment, is it?

Hi Hemant

I want to know HDFC Prudence Fund comes under which category, many people call it as a awesome MF, but you did not mention anything about this MF, can you please clarify.

Thanks

Hi Hemant,

Thanks for sharing this article. But it has left a lingering worry in my mind regarding my SIP investments. I had started investing in May 2011, and since then as you know, the markets have fallen and my capital has eroded by about 10%. I had carefully selected funds based on my appetite, and at the time all were 5 star funds.

My investments were in HDFC Top 200 (3500), Quantum Long Term Equity (3000), IDFC Sterling Equity (2000), DSPBR Small and Midcap (2000) and HDFC Prudence (2000).

I had mentally decided many times that I will rough it out and play the waiting game during market crashes, and intend to stay long term. But over time I felt that I made a mistake with DSPBR. I should have just kept one Small&Midcap Fund, and that too IDFC Premier Equity Plan A.

I am 30 years old with a good risk appetite, and I have diversified in FD for my short term goals and PPF as a long term tax saving debt instrument, and all my insurances are in place.

My question to you is that, since star ratings keep changing over time, and sometimes nobody is perfect in choosing the perfect fund, some selected funds appear weaker compared to competition which is only noticed months or years down the line. So what should one do in such a situation?

I hope you understood my question.

Thanks,

Sunnydoc

Hi Hemant & Anil.

I am long term investor with following portfolio in Mfs. Kindly suggest i m on right way or i have to switch out from some funds?

HDFC Growth fund 1000 P.M
ICICI Pru Dynamic Plan 1000 P.M
ICICI Prudential Focused Bluechip Equity 2000 P.M
IDFC Sterling Equity 1500 P.M
Reliance Equity Opportunities fund 1500 P.M
Reliance Gold Saving Fund 1000 P.M

Hi Hemant,

I want to take SIP of ELSS can u suggest me which one is gud & is it necessary to open a Demat account for the same.

Good selection of funds based on the basics.
One suggestion to consider the evergreen hero – HDFC Prudence Fund. This really helps an investor with a decent equity, debt mix and takes care of re balancing to some extent.

HI Hemant,
I am very thankful for your suggestion on mutual funds, may u answer my some of questions? I’ll be grateful to you
i am investing through S.I.P. in following funds
ICICI focused bluechip equity retail Fund growth-1000/month
HDFC equity fund growth-1000/month
Hdfc top 200 growth-1000/month
Relaince gold saving fund 1000/month
Reliance pharma Growth-1000/month
Idfc premier equity fund groth-2000/month
Idfc Sterling equity fund-1000/month
Birla Sunlife Midcap fund groth invested 25000 rupees through SIP now terminated this SIP because it was giving least performance as investment is 25000 but current value is 20240 rupees.

my question is did i do right to stop BSL Mid Cap fund SIP?
as you have given return of Mutual funds, is it return thorough SIP or one time investment?
what are the returns through SIP of these funds?
Am i carying a right portfolio of Mutual fund SIP?

Thanks & Regards
Ashish Bansal
Ghaziabad

HI Hemant,
I am investing Rs 1500 monthly through SIP in SBI magnum tax gain. The performance of the fund is not good in these days. Can I stop the SIP or continue? Please advice.

hi anil/hemant my income is 25k unmarried ….as market is very low so cant we invest directly into equities per month 2000 or 3000 rs or its good to go for any mutual fund because so many people told me that your saving will be almost double in 3 years …almost every share is at its low…..please suggest me 2 mutual funds where should i start ….and to whom we have to contact…shall i go by any broking firm or what…..thanks…what should be my overal money if i invest 3000 per month for 10 years in sip…..and what we have to do if we dun wan to continue through the 1 fund…after how many years we can take back our money…

Hi Hemant / Anil,

Now i am 30 and i am planning to start my investment via SIP. I planned to invest on the following schemes :

Fidelity Tax Advantage – Rs.1000 (It will run for more than 10 Years)
HDFC Top 200 Equity – Rs.1000 (It will run for more than 10 Years)
DSP BR Short Term – Rs.1000 (As i may need some cash at the end of 2 years)

I will increase my investment in coming months.

Hi Hemant,

First of all i want to say thanks for all your articles as they provide good understanding of financial planning and
investment. I have gained a lot of knowledge (atleast to think seriously about investments)
I am 30 Years old modrate risk taker investor and just started investing in SIP. Following is my SIP portfolio.
—————————
1- Large Cap
Franklin India Bluechip Fund – 1000/-

2- Large and Mid cap
HDFC Top 200 (Equity) – 1000/-

3- Mid & Small Cap funds
SBI Magnum Sector Umbrella – Emerging Business Fund – 1000 /-

4- Balanced
Canara Robeco Balance fund) – 1000/-

5- Tax saver
Reliance Tax Saver Fund – 1000

6- Dept fund
Not decieded (Birla Sun Life Income Fund can be an option) 1000/-
———————————
Please review it and give me your suggestion which can help me in future. I still have to decide on one fund (6th one) so i can act accordingly.

Hemanth, Anil,
Can you please tell us how to exit a fund when it starts loosing its star?
For e.g. how long should we keep it under watch before deciding to exit?
How should we exit at one shot or STP?
Should we stop the SIP as soon as it starts loosing star and keep monitoring its performance?
As I can understand from this article, 5 and 4 star rated funds are good, then does it mean we need to become alert at soon as a fund becomes 3 star or what is the threshold point?

I think, having a good strategy for exit is as important as entering into equity MF investment otherwise there is a chance of becoming Abhimunya 🙁

Hi Hemant/ Anil,

I am 28 and married. I havent done any investment in MF/ELSS till now, but want to start as early as possible. My financial goal is to receive surplus amount over long time. For long term saving i am going to invest in PPF.

I plan to invest 10k/month through SIP in MF. Can you please guide me with the MF investment considering all facts and figures.

Thanks,
Shashikant
Pune

Dear Hemant / Anil,

I was started a SIP in IDFC SME MF. But now I found that all sites suggesting IDFC Premier Equity MF for small and mid cap.
So what should I do now? Should I stop current and start new SIP in IDFC Premier Equity?
Also in that case what should I do ? leave the money as it is or withdraw ?

Hi Hemanth,

to introduce myself I am Archana Kodati, and a fresher in Investment :).
When searching for best investments into gold, came across your blog. this site is so useful and informative for planning who is on cross road of Investment and not knowing how to save money for greater gains. Thanks a lot. But before getting into it, I would like to know more about MFs and markets, is it possible for you to educate me on the same?

Hi Hemant,
great article. can you write something on “Trail commissions” and other innovative ways the agents make money? regds

Hi Shreedhar
I have recently come across a very interesting article by Monika Halan -In defence of trail commissions.
A payment gateway that facilitates appropriate compensation for the distribution of and advise on financial products, without being clunky, remains elusive. Can trail commission, with regulatory caps and handshakes, be the way forward?
You can read it at Mint Money.

Hi Hemant
It seems age is finally catching up with me. Another instance where I forgot to hit the reply button.

Hi Hemant

Good article ….

Please let me know about SBI Magnum Emerging Business Fund in Mid & Small Cap category to invest (SIP mode for long term)

Thanks in advance ..
Nagarajan S

Hi Hemant n Anil, U both r really doing an awesome kind of an education initiative about investments. Well done. I was new when i started reading ur articles. But now i am understanding the basics. Since i am new, i first want some secure returns, so I’ll deposit in PPFs and FDs. But later on say in 2-3mths I’ll start using MF. Thank u both n pls be educating like this.

Hi Prashant
Have proper asset allocation in both debt and equity and build a diversified portfolio.

Hi Brother,
My name is Ravi Age 30. My 9 month daughter name is VIDUSHA. i am planing her marriage @2035. So now i am ready to invest monthly SIP @ rs.2500 on mutualfund @24 years . please tell me which mutual fund (fund name please) is best…i am ready to take risk .

Hi Anil & Hemant,
Thanks for the great article and sharing your expert views. Recently, I have opened Term &Health insurance w.r.t protection n health guard.
Now, I want to invest in MF SIP. I’ve plans to invest around 3-4K per month fpr period of 5-10 yrs (it may increase too gradually). But i am totally new to MF n need need your advice.
After doing some online research like Value Research/Rupeetalk n your article here my selection/picks. Please help me with the money break n whether shoud invest in all this funds some amount or few :

LARGE CAP : ICICI Prudential Focused Blue Chip Equity
LARGE & MID CAP : UTI Oppurtunuties
MID & SMALL CAP : – Tata Dividend Yield Fund
– Birla Sun Life Dividend Yield Plus – Growth
MULTI CAP : HDFC Equity Fund

-Jai

Thank u sir thanks for ur advice .. i am start to invest tat 2 funds.. thank u sir.

Anil & Hemant,
What your view on fundsindia. Whether if’s safe to go with them?

Hi..
Gr8 work TFL. I’m glad that i came to this website before i started investing. I am 27 yrs, just started my career and a novice in the field of MF. I’ve picked few MF to invest from this mnth onwards. Can you comment on my selection. I’m aiming at a long term of 15+ yrs for my child’s eduction/ marriage. I’m also planning to invest in gold ETF later. Thanks in advance.
DSPBR Top 100 Equity : 1000/ mnth
ICICI Prudential Focused Bluechip : 1000/mnth
HDFC Top 200 : 1000/mnth
Birla Sunlife Dividend : 1000/mnth
IDFC Premium Equity Plan A : 1000/mnth
SBI Emerging Business Fund: 1000/mnth

Hi Heman/Anil

Can you guys please suggest us a book on Finance & Investment for Beginners.
I want to study about Mutual Funds, Equity Funds, Debt Funds, Shares and Stocks, and how does a common man start investing in Indian Share Market.

It will be great help for all of us, and then we can ask you more logical questions 😀

Thanks in advance.

Hi Anwar
Instead of looking for a book it will be better if you start reading some personal finance magazines.To start with you can consider Mutual Fund Insight.Later on you can go for Wealth Insight.Both these are from Value Research and contain useful information.
Personally I feel that if you go through old articles of Hemant, you will not need any other book.

Hi Hemanth/Anil,

TFL provided me a great idea to start my investments in mutual funds. Keep Going..
I have decided to invest in these below funds in SIP. Please advice me if this is good selection or need any changes. My age is 30 and my salary is 40,000 and married. I can invest 15000 in a month towards savings.
Already started my investment in PPF 5000 per month. And having HDFC SLClassic Insurance with a premium of 2500 per month. Please advice on these investments.

Large Cap Funds:
DSP BlackRock Top 100 Equity (2000)
Large & Mid Cap Funds:
HDFC Top 200 Fund-Growth (2000)
UTI Opportunities Fund (1000)
Multi Cap Funds:
Quantum Long Term Equity Fund – Growth (1000)
Mid & Small Cap Funds:
IDFC Premier Equity Fund – Plan A – Growth (1000)

Expecting you valuable response. Thanks

Hi Kumar
Your fund selection is very good. I think you will have to probably increase your investment in IDFC Premier Equity to Rs2000/- per month which is the minimum amount permitted.You can check this up with the fund house.

Hi Hemant/Anil,
I think u miss the below question raised by Karthick, I have also same doubt, please clarify.
========================================
karthick January 18, 2012 at 4:31 PM
Hi Anil,
For monthly Rs.6000 I think Docanoop can select max of two funds. He can invest Rs.3000 in two good funds. I guess to0 many diversification across funds for small amount will not yield good returns. Kindly share your opinion

Hi,

Excellent article. I am 32 yrs old. For the last 1.5 yrs, i am investing around 12000/month on MF SIP. Can you please review and give ur comments on my portfolio:
HDFC Top 200 (4000)
ICICI Pru Dynamic (2000)
HDFC Balanced(4000)
ICICI Pri Discovery(2000).
I am planning to invest for the next 10 yrs atleast and looking to increase my investment (3000/ month) on SIP. Could you please suggest some good funds for my portfolio?
Regards
Sundar
PS : As on date, my portfolio is on the RED.

Dear Sir,
Kindly review my selection and comment/advice.
I have selected following mutual funds and want to invest around 10000 per month. I have only long term goals. Kindly breakup the amount in following funds:
ICICI pru focussed bluechip equity fund(g)-Large Cap
IDFC premier Equity Plan A(g)- Mid & Small Cap
HDFC Equity Fund(G) – Multicap
UTI opportunities- Large & Mid cap
BSL 95 fund ( Balanced Fund)- or Suggest any other in this category( if required)

Please correct my errors and help me. I will start investing after your precious comment.
Many Thanks.

sir,i would like to know where can i start sip mutual fund?where should i go?

Hi Hemant
I have come across one very interesting comment regarding ULIP of UTI. I would like to know your view on this.
UTI’s ULIP is Different
UTI’s ULIP is different from the other ULIPs, in which you invest a fixed amount and you get insurance for a very less amount. UTI’s scheme is predominantly a mutual fund, and 2.25 per cent of your invested money is considered as insurance premium.
We have always advised investors to not mix insurance with investment. But if you consider the UTI ULIP to be a mutual fund, you get free insurance coverage from it because any mutual fund charges around 2.25 per cent as fees.

hello sir, i want yo make a sip of rs 3000 pm in hdfc top 200 mf. how can i invest in this plan and where and to whom should i contact . can i make sip through internet banking or should i pay cheque for that.

sir can u please suggest me that whether to go for value averaging investment plan(vip) or sip…..because peple r saying that vip is giving much better returns than sip…..thanks

Dear Sir,
I have a query..It may sound stupid but its creating doubt to me.
As per your advise, I have started SIP last week in 3 funds and registered these SIP’s for 120 months.
Now, my doubt is- If I wish to continue SIP after specified time of 120 months, then what I will have to do? Register again for SIP of same fund or I can extend the same SIP.? I mean that will the new units get added to earlier accumulated units or the new SIP will start accumulating from zero again?
Does extending the SIP later, affects Compounding Power?
Which is better way, elongating the interval now at starting, or later, or both options are equivalent???
kindly clear my doubt. I wish to invest for 20-25 years.
Thanking You.

I am 34 years, new to SIP investiments , my target 13 years for son eduction , monthly Rs 6000 at the moment.
Franklin India Bluechip OR ICICI Pru Focused Bluechip Eqty (G) – Rs 2000
HDFC Top 200 – Rs2000
IDFC Premier Equity – A (G) – Rs 2000
Could you please suggest above my port folio is very good ? any suggestons
I contacted HDFC but they only have funds from HDFC ,
Do let me know whom to contact to invest on above funds?

Hi Anil.
Thanks for quick reply. You said my port folio is fine. but can I expect your comment as very good or excellent , so what should I add / remove to get such rate from you ? so that I will more confident.
Contacted fund houses ex, HDFC, They said I can choose any fund from HDFC but not other funds , CAMS is that correct ?
how about moneycontrol ?
Can I buy and manage through online ?

Hi Eswar
Monitoring should be done atleast once a year. However one should not be in a hurry to exit the funds. The performance of the funds should be checked against the benchmark index of the fund and category average/peers. You must think of exiting a fund only when for a considerable period of the time the fund performs poorly consistently. Exiting should not be based on short term poor performance.
Normally redemption is done only when the money is badly needed or a better option of investment is available.
Exit load is normally applicable only when you decide to exit before completing one year.
CAMS are registrars and transfer agents of the fund houses, They don’t charge anything for their services to the investors.

Hi Mr. Anil

I have doubt in my mind, if i want to switch one of my fund i.e icici pru infrastructure to icici pru bluechip equity.
1. Should i need to sell all units of my existing fund and buy units of new fund and continue SIP in new fund ?
2. Should i need to continue further SIP in new fund only. units of old fund remain in old fund ?

Or what if i want to change fund house ?

Hi Anil,

I’m 31 years old with moderate risk appetite. I had SIPs in
1. DSP top 100
2. HDFC top 200
3. Reliance RSF (G) &
4. Reliance Growth for Rs. 2500 each for 12 months from May 2010 to April 2011.

I stopped the SIPs for a while as I needed money for the downpayment of our new house. I would like to resume contributing 10k every month towards MFs for another 10 years for my son’s education.

As you know, my MF investments are in Red now. Please suggest whether I can continue with the same fund selection. I’m not very impressed with both of the reliance funds as their CRISIL rating is poor for sometime now. I don’t want any mid & small cap fund. Perhaps, I need a balanced fund too in my portfolio? Please advise. Many thanks in advance.

hi,

really its a good source of information and really help us in planning our future investment plans, pertaning to present market sceneario.

Thanks!

Hi Anil, I am 44 years & I have been investing on following funds-
UTI Oppoturities Fund (G) – Rs 1500
HDFC Top 200 – Rs.1000
HDFC Equity (G) – Rs.1000
IDFC Premier Equity – A (G) – Rs.2000
HDFC Prudence (G) – Rs.1500
Reliance Pharma (G)-Rs.1000
Reliance Gold Saving fund (G)-Rs.1000
Could you please suggest above my port folio ? any suggestons.
Should I do any changes and start any others fund category?
Please advice!

I am want to invest in Mutual fund around 30k for 20 yrs for my kids.
So, i am new to this. can you please recommend the MF that i can invest.

Hello Hemant Beniwal sir

I’m totally new to mutual funds can you please suggest me SIP’s for long term of 20 years or more

Hi Hemant,

I’ve two SIP of Rs. 2000 – ICICI Prudential Regular Gold Savings Fund (G) & ICICI Prudential Focused Bluechip Equity Fund (G). Planiing to start another five SIP 0f Rs. 2000 each – Quantum Long-Term Equity Fund (G) / ING Dividend Yield Fund (G) , HDFC Top 200 Fund (G) / HDFC Mid-Cap Opportunities Fund (G), DSP BlackRock Top 100 Equity Fund – Regular Plan (G), IDFC Premier Equity Fund – Plan A (G) and Reliance Monthly Income Plan (G).

Please guide & help me to select the two from first two options.

Regards,

Nirupam

Hi Hemant,
I m new in this feild ,so
guide which are to be good for me,. How to invest in SIP and where ?

Hi Gopal
Before starting investments it is important to know about you.
What is your age?
What is your income?
What is your marital status?
How many persons are financially dependent on you?
How much can you save per month?
How much can you invest per month?
What is your risk profile?
What is the objective of your investment?
What is your time frame for investment?

I have started investing in SIP since last year.at present I have sip’s in
UTI div yield 1000
ICICI bluechip 2000
BSL Dynamic bond 2000
HDFC Prudence 2000
Kindly suggest a suitable gold fund whether Reliance or SBI
are the above good choices to give me a good return of say appx 12%.
how much more should i invest so that after 10 to 12 yrs I have built a corpus of 20 to 25 lakhs

Hi Hemant,
You are doing a great job by educating common people of financial investments. Hats off!!
I have a query… My husband has been investing Rs.40,000 every year in a ULIP policy, ICICI Lifestage RP. He has paid for three and a half years, total Rs.1,40,000. And the returns are in red. Should he keep paying and wait for 5 yrs to complete, for good returns…. or should he stop paying and take out the money now? Please suggest.
Thanks in advance 🙂

Sir,
Right now, I am investing in following funds. started investment last month.
Icici bluechip equity fund(G)- 2500/m
UTI opportunities(G)-3000/m
HDFC Equity fund(G)-2500/m
IDFC premier Equity Plan A(G)- 2500/m
Also, I have DIYSIP in UTI Gold ETF-around 2500/m

Is my portfolio balanced?I dont think so. Kindly advise

—My wife also wish to build MF portfolio for 10-15 years horizon. and can invest 6000 per month. Kindly suggest, should she invest in funds/fund houses different from mine? How to choose the funds for her?
Many Thanks.

Dear Hemant,
I am a regular reader of financial articles.Some of your articles are praiseworthy.But what’s about HDFC MIP,TOP200,PRUDENCE fund?For the last two years they are giving either negligible or negative return.FRANKLIN BLUECHIP also falls in the same category.Can you tell me why one should invest their hard earned money in M.FS?The word “LONG-TERM” Is also farce.I can show you several funds are giving negative return for years.you say aged or retired people should invest in MIPs.But is their any future?

hello Anil and Hemant,
I am deepanshu age 23.
Your article and replies helped me lot to understand about investing in MF. As m too a novice to MF and planed to invest in them for my future goal. I am planing to invest Rs8000/ month through SIP.So want your advice on my investment plan:
large cap
DSPBR Top 100 Eqt Reg-G-2000/month

large and mid cap
HDFC Top 200-G-2000/month

equity multi cap
Tata Equity PE-G-2000/month

mid and small cap
ICICI Pru Discovery Inst I-G-2000/month

please let me know if this plan is ok or i need to do changes in it. My plan is to continue these fund for 7years atleast. So please enlighten me.

Hello Hemant,

I am very new to SIP and mutual fund.
My age is 27 and now i am planning to take two SIP’s 1000Rs each for long term(10 years).
1.Reliance Equity Opportunities Fund
2.Franklin India Bluechip.

Please suggest.
Thanks,
Aditya

Hi,
I am 22 years old, earning since 7 months and looking to invest around 3 – 5k per month. No great objectives as of now. I am totally new to this. Can you suggest some SIP s to start with. I met a financial consultant yesterday. They suggested :
ICICI Pru Discovery
HDFC Top 200
Reliance Gold Saving Fund
UTI Divided Yielded fund

Can you please review/suggest some SIPs.

So for a new investor in MF like me should select top fund in each category and start investing……I need to invest around 10000rs pm in MF….

My mother has land purchased in 1987. I & my brother wish to sell off due to financial crisis. Do we have to pay capital gain tax on entire selling amount or Capital tax can be paid after repayments to house loan & Education loan (children account). Can capital gain be avoided if mother gifts to both sons?

Hi Hemant,

Thank you very much for your great effort.
I am 23 yrs old Engineering graduate.

pls give your valuable comments on HDFC Crest.
I am investing in it from last year(highest NAV of 7 years).

I am also investing in SIP like HDFC top 200,IDFC pr. Equty , DSPBR ssmall & Micro,BSL front line EQUITY,UTI DIV yld ,RIL gold savings.(time horizon 3-5 yrs)

AND some lump some in GS Gold ETF, Bank Bees,DSPBR top 100,HDFC equity.

What should I do ?

Eagerly waiting for your reply.

Best regards
Saikat

Hi Anil,

I m 23 years old and i have started investing in MF just few days ago. after few researches i opted for
HDFC TOP 200 and HDFC midcap Oppurtunity.

can u please tell me if my selection is correct or not and can u advise me to diversify correctly with my portfolio.
Thanks

Hi Javed
Your fund selection is very good.However in order to spread your risk it will be better to diversify across the categories of funds as well as fund houses. In order to advise you correctly I must have the following information:
The objective of your investment
Time frame of your investment
The amount to be invested per month.
Your risk appetite.

Hello Anil,

Thanks for ya reply.

I have a medium risk appetite.The main objective of my investment is to buy a house.
I ant to make along term investment.
The amount currently i m looking to invest is Rs. 3000 per month which i will slowly increase in coming days.

Hi Hemant/Anil

I want to invest for short term in MF’s for 5 Years and 3 years about 5000 Rs/Month , can you please advice me the best performing funds which can give me a higher returns at moderate risk.

Thanks

Hi Hemant/Anil

In the small and midcap funds category I have been investing in SBI Magnum Global Fund Rupees 1000 per month since 2009 and have got fairly decent returns till date. Should I stay invested in this fund or switch to some other fund in the same category?

Regards

Hi Hemant
I am new to investing. I am reading your articles for last 4 months and now I am planning to start investments in mutual funds. I am 24 year old, unmarried, living with parents. My monthly salary is around 25000 and savings is around 15000. I am planning to invest Rs 10000 per month in different mutual funds through SIP. the funds I have selected are-
Franklin India Bluechip Rs. 2000 pm
ICICI pru focused bluechip equity Rs 2000 pm
HDFC Top 200 Rs 3000pm
IDFC premier equity plan A Rs 2000pm
DSPBR equity Rs 2000 pm
I have an investment horizon of 20-25 year and monthly investment amount likely to increase after 3-4 years. In an adition i have a PPF account maintained by my father & it will mature in 2016.
I would request you to kindly review my portfolio and give your valuable opinion.

Dear Mr. Hemant / Mr. Anil,

I am investing Rs.27,000/- in SIP in the below mentioned mutual funds every month. Please suggest for addition / deletion, if any.
Thanks in advance.

HDFC Top 200 Fund (G) 5,000
HDFC Equity Fund (G) 2,000
Reliance Equity Oppor – RP (G) 2,000
Reliance RSF – Equity (G) 2,000
ICICI Pru Discovery Fund (G) 2,000
ICICI Pru Focused Bluechip Eqty (G) 6,000
IDFC Premier Equity – A (G) 5,000
UTI Master Value Fund (G) 1,000
DSP-BR Small & Mid Cap -RP (G) 2,000
TOTAL 27,000
best regards,
Murali

Dear Mr. Hemant / Mr. Anil,

I am 35 years old doing private job and a long-term investor, having planned to invest for at least 15 years and started SIP in July 2010. My aim to create wealth in long run thru SIP. I invest 70,000/- in PPF every year, apart from 60,000/- in PPF and has some LIC policies.

I am investing Rs.27,000/- in SIP in the below mentioned mutual funds every month. Please suggest for modification / addition / deletion, if any.

Plz let me know how much I can get after 15 years with this much SIP (approx.). Also let me know any other best alternate investment tools.

Please guide me suitably.

Thanks in advance.

HDFC Top 200 Fund (G) 5,000
HDFC Equity Fund (G) 2,000
Reliance Equity Oppor – RP (G) 2,000
Reliance RSF – Equity (G) 2,000
ICICI Pru Discovery Fund (G) 2,000
ICICI Pru Focused Bluechip Eqty (G) 6,000
IDFC Premier Equity – A (G) 5,000
UTI Master Value Fund (G) 1,000
DSP-BR Small & Mid Cap -RP (G) 2,000

TOTAL 27,000

best regards,
Murali

Plz read 60,000/- in VPF

Dear Mr. Kapila, Greetings!
Read over your blog and entire thread with great interest. Most comprehensive and quite enlightening. I live in the US and plan to return to India to work on some “not for profit-charity” projects 5-6 years from now. Would be living 50-60% in India and remainder in US. We have about Rs 20,000/month to put away in MF/other investments so as to generate returns for spending on charity. What would you suggest? Thanks and appreciate your response.
Pulak Das

Hello Mr. ANIL/All Experts,

I have invested Rs. 13,000/ month in SIP. Please find the below fund details and advice me know whether these are good or i need to change.

1. DSP-BR Micro Cap Fund – RP (G) –> 1000/-
2. DSP-BR Small & Mid Cap -RP (G) –> 1000/-
3. HDFC Equity Fund (G) –> 1000/-
4. HDFC MidCap Opportunities (G) –> 5000/-
5. HDFC Prudence Fund (G) –> 1000/-
6. HDFC Top 200 Fund (G) –> 2000/-
7. Reliance Banking Fund (G) –> 1000/-
8. Reliance RSF – Equity (G) –> 1000/-

Kind Regards,
S. Karim

Hi Anil.
I need a suggestion……I have started my SIP in good large cap Funds from last year and investing 20k per month.
Right now i need 1 lac rupees to invest in a plot where appreciation is sure shot in coming five years (I can double my money).
To pay 1 lac shall I take a personal loan at 14% on my credit card or stop my SIP for 5 months ?

info regarding mf’s and personal financial investments

Dear Anil Sir,

I belongs to a middle class family and working very hard to save money for future needs and below is my mutual fund SIP details, please comment.

HDFC Top 200 Fund (G) 5000
UTI Opportunities Fund (G) 2000
ICICI Pru Focused Bluechip Eqty (G) 5000
DSP-BR Top 100 Equity – RP (G) 2000
IDFC Premier Equity – A (G) 5000
Reliance Equity Oppor – RP (G) 2000
Franklin India Bluechip (G) 2000
Fidelity Equity Fund (G) 2000

Thanks for your guidance to all needy people.

regards,
Ashok

I need to invest in gold but don’t have DMAT account. Is there any fund which is equivalent to gold ETF where I cna invest….I heard abt reliance godl fund….Please suggest

I am 33 years old and have SIP in the Following Funds. Please suggest me if those are good or i need to change the portfolio.
1. SBI PSU FUND : – 1000 per month
2. SBI Gold Fund – 1000 per month
3. SBI Emerging business Fund – 1000 per month
4. SBI Magnum Equity -1000 per month
5. HDFC Top 200 – 2000 per month
6. HDFC Prudence – 1000 per month
7. SBI Magnum contra – 1000 per month
8. ICICI Pru Focused Bluechip Eqty 2000 per month
9. DSP-BR Top 100 Equity 1000 per month

I want to make Investment in Mutual Fund through SIP Rs 1000 monthly for long term 10 yrs
please suggest me best fund,i had decided to go for HDFC TOP 200 Growth Fund.is it ok

I am 35 yrs old . I want to invest 10,000 per mnth for 5-15 yrs in mutual fund.how should i continue ,becoz i am new to this . plz guide

Hi Hemant/Anil,

For long term investments I heard that 40% [or majority of your portfolio] should be invested in large cap funds. However the trend in the above chart depicts that multicap and mid/smallcap funds have been doing relatively well for the last 10 years.
Then why not invest more in multicap, mid and small funds ? Please advice

Regards,
Sapna

Dear Sir
My name is Manoj kundu age 41 years is staying at Noida. Dependent on me is my wife & two daughters. Daughters age are 9 years & 2 years respectively
I am investing below mentioned fund from last 8 month for daughter marraige (15 years ) & retirement (18 years)
1.ICICI PRUDENTIAL FOCUSED BLUECHIP EQUITY FUND RETAIL GROWTH 5000
2.IDFC PREMIER EQUITY FUND-GROWTH – PLAN A 4000
3.HDFC MID CAP OPPORTUNITIES FUND – GROWTH 3000
4.HDFC TOP 200 FUND – GROWTH PLAN 5000
TOTAL 17000

Do I continue or change my portfolio.Please guide me
With Regards,
Manoj kundu

Hi Hemant/Anil,

1. I have started SIP investment in mutual fund and stock .Herewith furnished my portfolio as follows and i request you to evaluate my investment and ur breif advise*…(My age 34 years old)*
a. Hdfc Tax Saver -ELSS
b. Hdfc Top 200 Growth -Large & midcap
c. Reliance Gold Savings -Gold
d. Reliance Equity Opportunities – Small & midcap
e. ICICI Focussed Bluechip Equity Growth -Largecap
f. Motilal Most M50 -ETF
g .Yes Bank -sector bank -This also in sip invest for next three years.

The total amount of investment of above portfolio is Rs.10000/ month
Awaitnig for your fabourable reply…

Thanks & Rgs,
Deva Rangasamy

Anil Sir,

I have a query.

For one person who is earning 50,000/- per month from a secured job, and monthly expediture is around 15,000/-, than how to distribute this 35,000/- in savings, for future needs. I have PPF and VPF investments apart from some investment in LIC. So my question is how I’ll get better return & in which instruments by investing 35K per month ?

If the answer is highly rated Mutual Funds, than how to distribute in % amongst Large Cap, Large & Cap Midcap, Small & Mid Cap.

Please advice.

Hi, i have below three queries:
1)am planning to invest in the Franklin India Tax Shield ( G) ELSS scheme.
Please can you suggest if its a good scheme/ should i look out for any other scheme in this category.
2) Also can you suggest me regarding the best commodity fund for SIP
3) As an investment of around 1000-2000pm SIP can you suggest me any fund irrespective of the category ( 5-10 yrs).
Currently i just have one ULIP Birla Sunlife fund of Dream Plan-Life Cvg-Opt 100% -Term 20 (invested in 2009).
Many Thanks
Sivaram Iyer

Dear Hemant/Anil,

I am 44 years old and started investing in the SIP since last 4 years. I am planning to continue my investment for 15 years.
Kindly check and let me know any modification is needed. Thanks in advance.

HDFC Top 200 Fund Growth (Rs 4000)
ICICI Prudential Dynamic plan growth (Rs 2000)
UTI Opportunities fund- growth plan (Rs 4000)
DSP Black rock Top 100 equity fund growth -regular (Rs 3000)
BSL front line equiet fund (Rs 5000)
HDFC Prudence fund (Rs 4500)
Reliance gold savings fund (Rs.2500)

Total: Rs.25000 per month.

HI Hemant,
I am investing Rs 10,000 monthly through SIP as follows and plan to continue my investment for next 5 years. Kindly check & advice

icici Focussed Bluechip Equity Growth -Rs.1000
Hdfc Top 200 Growth -Rs.1000
Reliance Gold Savings -Rs.1000
Hdfc Tax Saver -Rs.2000
Motilal Most M50 -Rs.2000
Reliance Equity Opportunities – Rs.1000
UTI opportunities -Rs.2000

Hello Hemant,
This is an excellent article indeed and the various comments are also of immense help. There are two points that I was wondering if it could be taken on either here or in some other article:
The first is what should be an ideal mix of funds that one should be investing in, ie, lets take any figure as a monthly investment figure and we are going to be only doing SIPs, so what percentage should be in each of the categories.
The next point is regarding shifting of the equity mfs to debt at some stage so that the gains are protected. Could this be dealt with please.
TIA,
Praveen.

why one should invest in very short term debt fund instead of saving a/c
will you please guide me on this ?

I need to design my investment portfolio for long term keeping 10-15 years in mind. To start with, I want to invest lump-sum of 2 Lacs, and 20,000 per month there after.

I have selected following funds under different caps. I need your suggestion, what more fund can I add, or remove any fund from the existing folio.

Equity: Large Cap
ICICI Prudential Focused Bluechip Equity Retail
DSPBR Top 100 Equity Reg

Equity: Large & Mid Cap
HDFC Top 200
UTI – Dividend Yield Fund

Equity: Mid & Small Cap
Birla Sun Life Dividend Yield Plus
HDFC MidCap Opportunities

Equity:Balanced
HDFC Prudence fund

Debt:
PPF

Let me know how would break 2 Lacs and invest in different funds, also what would be breakup of monthly sip.

hi anil,

great article. hats off. want to know sundaram mid cap fund is fine ? asking this question because no where this name came in all above comments.

Hi Hemant / Anil,

I’m planning to invest Rs. 5000@month for my just borned daughter’s education as well as marriage (20 years) purpose. Which mutual fund / insurance plan / PPF will be best. Please suggest.

I wonder Why you have not added SBI MSFU Emerging Business Fund which is one of the best fund in Small and Midcap category in 1 Year 3 year and 3% year performance.

I personally feel recommending a fund on star rating is one of the easiest way of recommending fund, which we as a investor we can do our own by visiting value research online or mutualfundindia. I expect your recommedation of funds which are likely to be performing funds in the period to come by analayzing the portfolio etc.

Dear Anil ji,

Investment in PPF has been increased to 1 Lakh but is this applicable for the financial year 1.4.2011 to 31.03.2012 ?

Further I am investing 5000/- every month in PPF as well as in VPF. I am planning to increase additional 5000/- either of this two, please suggest where and why ?

Thanks in advance.

regards,
Ashok

Hi,
My name is Baskar, age-24 years, I am new for mutual fund investing, I would like to invest 1000 each in three of the mutual funds, I searched in value research online and money control. From that I found there are so many top ranked mutual funds, e.g 1) UTI div. yield fund 2) UTI opp. 3) HDFC Top 200 4) HDFC growth 5) HDFC equity 6) ICICI pru. focused blue chip fund 7) ICICI pru. discovery fund. 8) DSP blackrock top 100. Among 8 I select UTI divident yield fund(diversified), HDFC top 200(large cap), hdfc mid cap opp(mid and small cap). is it ok/good funds to invest? or I want your suggestions what are the mutual funds should I have to invest????

Risk-low to medium
Term-long term(10 to 15 years)
Returns-appr. 15%

Hello Mr. Anil Kumar,
I am new in investment world. I am investing Rs.11,000/- month where 6000 is in tax savings fund. Can you please advice me whether my fund selection is correct or not –

DSP-BR Equity Fund – RP (G) – 1000
DSP-BR Top 100 Equity – RP (G) – 1000
HDFC MidCap Opportunities (G) – 1000
HDFC Top 200 Fund (G) – 2000

HDFC Tax Saver (D) – 1000
HDFC Tax Saver (G) – 2000
DSP-BRTax Saver Fund (D) – 3000

M. Khatun

Hi!
A couple of years ago, I had invested in
1. Reliance Diversified Power Sector (SIP Rs. 500, 24 months)
2. Magnum Contra (SIP Rs. 1500 12 months) …

These funds do not seem to faring well. Can you please advise me whether I should hold on to these or redeem them ?

Thanks!

Hi hemant and anil sir..
I am 23 year old singl boy. I am planning to invest 6000/- per month in 4 funds(1500 in each).
I hv choosen 2 funds.
1. Franklin Templeton Franklin India Bluechip.
2.HDFC TOP 200.(is these are good choices)
Also please suggest me with 2 more funds with name.
Thanks in advance

Hi Kumar
You can consider investing in Quantum Long Term Equity and BSL Dividend Yield Plus.You have not mentioned your investment horizon.Since you are young I am assuming that you will invest for more than ten years.As your investment horizon is long it is advisable to keep tracking your funds

Dear Hemant/ Anil
I am planning to invest
DSP BlackrockTop 100 Equity- 3000/-
HDFC Top 200 G – 4000/-
UTI Divident Yield Fund G-5000/-
Birla Sun Life Mutual Fund Frontline Equity Fund G- 3000/-
HDFC Prudence Fund G-2000/-
Quantum Longterm Equity -5000/-
Franklin India Bluechip Fund- G-1000 /-
Please guide me whether I am on right path. Please suggest alteration if you feel any.
Regards,
Pravin

Thanks anil sir,

You didn’t tell me how is my selected 2 funds.are they gud choices?

Actually i am planing to invest for 4 yeArs.please suggest me 2 funds from small & mid cap,balanced,multicap or tax saver fund OR whichever is best for me.
THANKS

I am 69 yrs with surplus funds. I am investing through SIP monthly as folows”

HDFC Top 200 : 10000
HDFC Prudence: 10000
DSP Blackrock 100: 10000
Reliance RSS Balanced: 10000.
Adquate savings In FDs and Bonds.

Want to add one more MF. Kindly advise.

Hi Ramesh
I do not understand why you want to add one more fund. You can invest your additional amount also in your existing funds which are quite good. However, in case it is a must you can consider one multicap fund like Quantum Long Term Equity.

Thanks Anil.

Thanks anil..
Then should i invest whole 6000/- month in 1 balanced fund?

Hi anil,
I am planning to invest 1000/- per month for 6 years in 4 funds.
Funds are…
1. Franklin Templeton Franklin India Bluechip
2. Hdfc top 200
3. Sundaram select midcap reg.g
4. HDFC Equity
Are these gud selection.please suggest.
Thanks

Thanks anil.
Then should i invest whole 6000/- per month in one balanced fund.

Dear Sir,

I am 28 years old new to investment and i want to invest around Rs.5ooo per month in SIP and same for my kid brother Rs.5000 he also of same age.Both earning around Rs.30000 per month
Currently he has put 1000 each in hdfc top 200 and BSL Divident yield fund on his bank manager suggestion just few days back.
Our goal is to invest for 20 years to make a corpus of 70 lacs each,
please suggest how can we reach our goal and how much and how should we invest also do pension plans will be good option or not.

Hi Hitesh
Instead of going for pension plans it is better to invest in diversified equity mutual funds.Your kid brother has invested in good funds.You can consider the following funds for investment.
ICICI Prudential Focused Bluechip Equity Fund
UTI Opportunities Fund
Quantum Long Term Equity Fund.
For building a good corpus in 20 years the key is to start immediately and invest as much as you can.Ultimately the amount you invest in earlier years in going to contribute a major portion to your corpus.See if there is scope of saving more and increasing your investment amount per month.

Dear Sir,

I am investing Rs 2000/- each in HDFC Tax Saver Fund(G),Franklin India Bluechip Fund(G),IDFC Premier Equity Fund(G),Birla Sun Life Frontline Equity (G),HDFC Top 200 Fund (G) ,HDFC Prudence Fund (G). Total its coming to Rs.12000/- Per Month since April 2010. Please advice me whether its right mix, I am 35 years old, having 3 yrs old kid, planning for retirement and children education and marriage expenses.

Hi Hemant,

First of all kudos to you for such work, throwing some light into the personal financial jungle.

I’m 37 years. There are plenty of debt funds available to choose from. I want to introduce and invest 20% in a debt fund as part of my overall portfolio. Could you please mention 1 or 2 debt fund so that I can study it and consider it for long term investment purposes?

Thanks
-Raj.

Thankyou anil..

ji,

I am investing Rs.25000 per year in ulip insurance scheme of Birla saral geevan and reliance from past three years.
Now i decided to stop the ulip scheme and plan to invest in mutal fund for the same amount of Rs.25000/- yearly for next 10 years..
IS IT CORRET , if so kindly sugges me a best fund to invest…

Rgs,
Deva

Hi Hemant,

I want to make a financial provision for my 6 years old daughter through mutual funds. I can invest Rs 5000/- monthly for nest 15 years. Presently I am invetsing only Rs 1000/-p.m in HDFC TOP 200. Pl guide.

Sanjay

Hi Hemant,

I have gone through your comments and and getting wiser on investing through SIP. I have recently started monthly SIP with DSPBR Top 100 (Rs. 3000/), IDFC Premier Equity (Rs. 3000/-), HDFC Equity (G) (Rs. 2000/-) and UTI Opportunity (Rs. 3000/-).
Is my fund allocation alright? Please suggest.

Hello Sir,
I am a B.tech final year student and have no experience in stock market and i want to start investing in share market.Plz tell me how and what shares to select.Sir plz guide me.

Thank you anil..

Hi Hemant & Anil,

I am writing this one just to convey my good wishes for answering all the queries raised by people like me and continuously educating us to make ourselves financially abundant. Thank you again and wish you happiness, joy, good health and abundance always!

Bimal

Dear hemant/anil
Before i started investing please clear my confusion-shall I go for the performance of the MF or the current value of NAV since most of the existed MF will have higher NAV compare to the NFOs.

thanks
collin

Hey Guys,
I have been investing 5K each in the following funds for the last 2 years :-
DSPBR Top 100
HDFC Top 200
ICICI Prudential Discovery
IDFC Premier Equity
Religare Mid Cap
Please share your thoughts on my selection.

If you guys think i need to rejig my portfolio,Please share your thoughts.
How about replacing some fund from the same fund house ?

Hi,

Can you please help me out on this.

Birla sunlife tax relief 96 ELSS is good scheme to continue investing or shall i stop.

I have started SIP in oct 2008.SIP of 1000 every month.

Hi!
I want to invest 2000 per month in debt funds for 2 years.In the table for best debt funds you have given 2 funds i.e DSP BlackRock Short Term and Franklin Templeton India Short Term Income .I have few questions
1.Can you tell me the best performing short term debt fund in ICICI and HDFC for 2012?
2. Whether I can increase the SIP amount in the future (for eg. after few months instead of 2000 ,can I increase my SIP amt to 2500)?
3. If I withdraw after 2 years, will there be any exit loads or other charges?

thanks hemant,
For the valuable advice and the good work in guiding us all through and wishing you and -The financial literates team a very happy holi

rgds
collin

Hi.. just wanted to say at the very beginning, loved this post and glad to see you taking so much trouble to answer everyones doubts..

My present portfolio is :
1. DSP MicroCap fund @1000/m
2. HDFC Equity @1000/m
3. ICICI Focused BlueChip @1000/m

I’m not sure in which category these come in, though I guess they are either midcap or mid&large cap funds. I was considering adding two more SIPs of 1000/month and would be really grateful if you could guide me in this regard.

Dear Sir,
I am a regular reader of your article and tray to understand the mathematics of investment. Please educated me regarding NAV, how it is calculated, can we evaluate performance of any fund based on the value of NAV. Please clear my doubt regarding following understanding.

1) If I invest 10000 INR with NAV of 100, does it mean I really purchased 100 units of value Rs 100 each?
2) If after 10 years the NAV of above fund become 200, does it mean my found value become Rs20000, and if I sell it I will get Rs 20000
3) If so, why agents, fund managers and others doing so many activities for me at free of cost
4) I certainly believes that there is some cost associated in it. Please discussed elaborately all the cost involved.

Thanks

Hi,

I need your assistance. I want to invest Rs.20,000 per month for 10 yrs in mutual funds. Can you please let me know in which all mutual funds I need to invest.
Also is HDFC Top 200, DSP Blackrock top 100 equity and Reliance equity or growth good muutal funds to invest in.
Thanks for your help. Awaiting your reply.

Hi Anil,
Which is the best way to invest in monthly SIP?
1. Investing entire amount in one single date of the month.
or
2. Dividing the amount and investing in different dates of the month.

Regards,
Karthick.

Hi,

Please suggest me MF to invest through Sip. I want invest Rs. 10000 p/mnth for 10 yrs.

Regards

Tej Prakash

Hi Anil/Hemant,

I need some more clarity on the following issue:
I am an executive in a PSU where apart form my compulsory regular deduction by corporation to my PF, I am contributing Rs. 15,000/ per month to my VPF account. I am planning to increase my contribution to my VPF account by another Rs. 5000/- per month. Or should I divert the same amount to MF through SIP? Which option is more beneficial in the long run? Please suggest.
Regards,
Bimal

Thanks Anil for your valuable suggestion! Since it is a critical decision for me, I want your help for proper fund allocation for long term benefit. My present funds through SIP are:
1. DSPBR Top 100 (Rs. 3000/),
2. IDFC Premier Equity (Rs. 3000/-),
3. HDFC Equity (G) (Rs. 2000/-),
4. UTI Opportunity (Rs. 3000/-).

If I want to add say, another Rs. 5,000/- to 7,000/- per month on diversified equity fund, how to go ahead and re-organise my funds please? I’ll be diverting this additional amount from my proposed VPF account which I was planning till I got your view. I’ll awaiting for your comments.
Regards,

Bimal

Dear Sir,

I am 24 years old and i have invested 1000 Rs each in HDFC top 200, dsp blackrock top 100, ICICI Prudential Focused Bluechip Equity, BSL Divident yield fund, now i want to invest 2000 more should plas sugst where t invest.
And as i have already invested in hdfc top 200 should i invest in hdfc balanced fund.

Thank you Anil for your guidance! Wish you happiness, joy, abundance and good health!

Regards,

Bimal

Hello Mr. Anil –
I have invested Rs.40,000/- year in AVIVA freedom life ULIP plan. Currently my total fund is running on BALANCED-II fund. Please check the below funds and advice me on which fund I should switch when SENSEX is performing good and where to switch when SENSEX is down. Many thanks in advance.

FndName———-CorpBonds—-GovtSecurity—-EquiMarket—MoneyMarket
Balance Fund II —–41——————5—————-33———–21—–
Growth Fund II——16——————3—————-72————9-
Enhancer Fund II —0——————-0—————-93————7-
Index Fund II ——–0——————0—————99————–1-
Bond Fund II ———45—————-21—————-0————34-Protector Fund II—–41—————–16—————14———–29-Infrastructure Fund -0——————-0—————-98————2-
PSU Fund————————————————–99————1-

Kind Regards,
S. Karim

Hi,
I have been investing Rs 5k in HDFC Top 200 since last year and now would like to invest same amount in Mid-Small Cap or Diversified Equity MF. After initial analysis I shortlisted HDFC Midcap Opportunities, DSP BlackRock Small from Mid-Small Cap Fund and Canara Robeco Equity Diversified fund from Diversified Equity category.

Can you please help me with selecting right MF and amount? My age is 30 and am ready to go for aggressive funds.

Thanks !

Dear Anil
I am 24 years old and earn 35k per month.I have already made an investment of 56000 per annum in LIC &bajaj insurance.Apart from this i would like to make the following investments on monthly basis:
ICICI Prudential Focused Bluechip Equity:1000
HDFC Top 200:2000
IDFC Premier Equity Plan A:2000
Could you tell me whether the funds i have selected and the amount i am investing is correct or should i reduce it. And what should be the approximate duration to get decent returns.

i would like to invest around rs40000 anually ,which mutual fund should i go for .investment period from 15 to 20 years

Hi,

I want take 50 Lac Term Insurance plan for me. My age 30 yrs, I have two dependents (wife and one Kid).
Even if Premium is little higher, need the best Term Plan in terms of claim settlement ratio.
Could you please suggest whether I go for single Term plan or two plans of 25lacs each. Could you please suggest which plan to take.

Regards,
Nataraj

Hi Hemant/Anil..

First of all hats off to you guys to help common man for their investments and guiding them in details moreover I can see almost every query is attended Simply AWESOME work !!
I planning to start SIP for some of funds in diversified way I am 29 years old and planning to invest 10-12k/month as whole and has good risk appetite.
I have shortlisted following funds so need your expert guidance to pick the best of them and suggestion on money allocation for each of them.

HDFC Top 200 AND/OR DSP Black rock Top 100 equity ?
Franklin India Bluechip AND/OR ICICI Pru Focused Bluechip Eqty ??
IDFC Premier Equity
HDFC Prudence
UTI Opportunities fund
BSL Dividend Yield Plus
Reliance Gold Saving fund

I may not be technically correct while comparing them plz overlook that and suggest the best !! 🙂

Thanks in advance …
S@ur@bh

Thanks for the swift response Anil…Even I don’t want to invest in those many I just shortlisted them to pick d best :)…I heard lot about HDFC Top 200 and Franklin Bluechip ..do u meant ‘ICICI Prudential Focused Bluechip Equity’ outperform them in longer run ?
One more doubt is it good to invest in Gold thru MFs or direct ETF buying is better ?

Hi hemant/Anil,
I have been following ur all articles and changed my investment strategy and organised a portfolio without gold.Since u have been mentioning that sip thru gold incurrs hideen expenditure i’m little confused either to go thru Gold ETF or no allocation to gold for my portfolio.

Hi Anil,

I have started a Jeevan Saral LIC policy in 2010 with monthly deduction of around Rs.9,000/- and it has almost completed 2 years. However, after going through your articles, I am no more interested in paying for LIC and instead want to invest through MF. But I have already paid more than 2 lac in last 2 years. Please suggest the best option to safely get out of this policy without much loss.

Regards,

Bimal

We are investing in Mutual Funds through SIP for the last 10 months, so far we have the following funds: HDFC Prudence(Balanced), HDFC Top 200,(Large/Midcap), Reliance RSS Balanced, DSPBR top 100 Equity.)Large cap). each one is worth 1 lakh now. We want to review our portfolio in April. We have noticed that apart from these funds, the following funds are giving good performance. Quantum Long Term Equity(multicap), UTI opportunityfund(Large/Mid cap), and ICICI Pru Focus Bluechip Equity(Large cap.)’ We would like to know, if we need to change our portfolio, add some new funds or restart the earlier SIPS, We are not considering any Debt funds as we have adequate expossure to Bank FDs and Bonds).

Incidentallly myself and my wife are Senior Citizens, and though our risk tolerance is low, we do have surplus funds and can invest 50000 per month. We donot have any specific goals in the near future and the main purpose of insvestment is wealth creation’

kindly advise.

Hello Anil,
I am currently investing in HDFC Top 200 & DSPBr Top 100, monthly SIP of Rs.2000 each. The investment in above SIPs are for long term purpose. However i need to know where i could invest to meet my short term financial goals i.e. if i need a lump sum amount after 3 to 4 years and my monthly investment culd be Rs.2000 where should i invest? Kindly guide me.

Hi Anil,

I plan to invest for a short term i.e 2 years. Kindly suggest me investment approach, main purpose to see at least 30-40% returns.

Dear Hemant/Anil,
Please suggest some good tax saving schemes for salaried people like me having income more than Rs. 5 lac per annum and paying avg. income tax Rs. 35,000/- monthly.

Sir

please tell me Reliance Regular saving fund and Reliance Equity plan growth is best fund for investment purpose.

thanks

Hi,
I am new for mutual fund invest, goint to invest in following funds monthly:

1) ICICI prud. focused bluechip fund (1000 Rs) ——– Large cap
2) HDFC mic cap or ICICI pru. discovery fund (1000) —- Mid & small cap
3) UTI opp. or UTI divident yield fund (1000) ——– diversified

my advisor asked me to invest in icici prud. foc. bluechip fund and icici pru. discovery fund (two funds comes under same portfolio so its easy to manage this is what my advisor said), but I am little bit confused while choosing mid & small cap. I am interest to invest in hdfc mid cap, I want ur suggestion or advice to select good mid & small cap fund, and also little bit confused investing in uti divident yield or uti opp. fund, Ur suggestion or greatly appreciated. Thanks in advance.

Regards,
Baskar.g

Thank you Saurabh for your response! Could you please elaborate something on Housing finance?

Hi

I am investing MFs through SIP. I pay each fund Rs. 2000/- Every month.

1. HDFC Top 200 -G
2. HDFC Tax Saver – G
3. HDFC Prudence G
4. IDFC Premier Equity G
5. Franklin India Blue Chip Fund – G
6. Birla Sunlife Frontline Equity – G

Not sure whether the portfolio is diversified and have selected right funds. Please Guide me.

ji,
Presently i am purchasing the mutual fund units in demat form through bse star mt plat form..And i wish to buy icici focused bluechip equity fund retail growth…but as per bse star mf list it is mentioned as icici focused equity fund retail growth instead of icici focused bluechip equity fund retail growth. i am confused that both are same or two fund is there accordingly…please help to make clear….
Rgs,
Deva

Hi,
Im planning to start an investment in some low risk portfolios for atleast 10-15 years . I am 35 yrs and will be retiring in 2035.I am planning to part Rs.5000 pm from my monthly salary. I was thinking of investing in LIC Endowment Policy. But I heard its a bad idea since hey do not give return. I have not make any investment in my life. Please if any one can help me in this regard.

Regards.

Dear sir,

I am investing MFs through SIP from 2009 September in:

1. HDFC Equity -G – 2000 for 10 years
2. HDFC Mid cap G – 1500 for 10 years
3. HDFC Prudence G – 2000 for 10 years
4. Fidelity Equity G – 1500 for 10 years
5. Reliance Opportunities– G- 1500 for 10 years

Planning to start 1500 Each in this year

1. ICICI prud. focused bluechip fund G – 1500 for 8 Years
2. UTI opportunities or Birla Sun Life India GenNext Fund (G) – 1500 for 8 Years

please suggest. Not sure my portfolio is on right track

hi,

can u suggest 5 funds for someone new to sip….

thanks

Hi Hemant & Anil,
I want to increase the SIP premium of a particular fund. Is it possible to do that without applying separately?

Regards,

i want to purchase bond directly from exchange specially giving returns upto 12 to 14 percent. but as i am new to this type of market please guide me how to pick godd bonds and what are the risk in this.

i want to purchase bonds to be redeemed in 2014 if i dont sell till that time will the redeemed amount will come directly to my link saving account

hi anil my brother is planing to married by 2014 so he wants to invest in mutual funds to save some for his wedding but no one in our house invests in mutual funds so pls tell us weather he shoud invest if yes then in which funds. he can invest 5000 .kindly help us

I must say, Anil Kumar and Hemanth… you are providing some very valuable advice to many of the queries posted in this forum. Keep up the good work.

I have a simple question. Say, I have started a SIP for a Mutual Fund for 1 year (12 months). The transaction is done say through ECS from a bank. After paying 12 installments, could I continue to buy more units of the Mutual Fund every month and still call it as a SIP. Would Mutual Fund company allow it? Or should I inform the company to extend the SIP period?

earlier i asked a question on bond but no reply now again one q. as in case of mutual fund dividend in the hand of investor is tax free because mf itself deduct the tax and directly pay to i tax deptt but in case of bond does issuer pay interest after deducting any tax or investor receive all intt without any deduction nad he himself is responsible to pay tax. please reply authentically

Dear Mr.Hemanth presently i want toinvest in sip 10000/-permonth
i dnt know wich is the best can u pls suggest me?

Hi Anil,
I’m new to investment terms.
I have noticed the performance reports(returns %) of Investment firms in terms of duration like 1m,3m,6m,1yr,3yr,5yr and 10yr.
In that short term durations(1m,3m,6m,1yr),return % is always in minus.
Here is my question,
1.So,does it means that short term investments will not deliver expected returns?
2.we can expect positive returns only in long term investment like(3yr,5yr or 10yr)?

Please clarify me on this..waiting for your reply..

Thanks in advance,
Aravindh

Hi,
I am planning to invest in the MFs through SIP of 1000 each for a period of around 10 years, please advise.
1.Franklin Templeton Franklin India Bluechip
2.HDFC Prudence Fund
3.Quantum Long Term Equity
4.IDFC Premier Equity Plan A
5.UTI Opportunities
6.Reliance gold savings fund (Not sure of this, though just wanted to add a Gold fund in my portfolio)
Thanks!!

sir,

i m investing in :-
DSP BR top 100 equity growth—2000/-
DSP BR micro cap fund growth—1000/-
HDFC Top 200—-1000/-
HDFC Mid cap opp—1000/-

kindly advise me on my portfolio

And i m planning to invest 1000/- more in Reliance gold saving fund is it OK.

Hi,

Can you please advise me on which is better scheme to invest for future.
NPS or PPF

Hi Anil,

Thanks for the confirmation on the fund selection for building my MF portfolio.

I would like to avail your investment consultancy services kindly let me know the full details. Secondly iam investing in TATA AIG Monthly Investment Plan (SIP) & SBI Gold Fund (SIP) Kindly let me know the future of this companies is it worth investing ??

Regards
Satish

I am having the following SIPS for one year now:

UTI opportunities 5K
ICICI Pru focus Bluechip 5k
HDFC top 200 5k
DSPBR top 100 : 10 k
HDFC Prudence 10 k
I am impressed by your advice in these columns.
I want to do an annual review now.
I was thinking of replacing HDFC top 200 by HDFC Equity or Quantum LT Equity.
But ICICIdirect does not allow Quantum’
I was thinking of replacing HDFC Prudence with HDFC Balanced.
Iwas thinking of replacing DSPBR top 100 by adding aditional funds in ICICI Pru focu blue chip.

Kindly advise.

Hi
I need to invest Rs 40k (one time investment) for a period of 3 years, i am totally new and blank about mutual funds as i have all investments with LIC only other than pf. please guide me regarding investing this money.

Hi,

I am planing to invest Rs..5000 in SIP, can u please suggest me 3 good funds. I have seen the above list it looks very nice but listing given 3 months back, are these funds still performing gud?

hello,

I would appreciate if you can advice as to how I can achieve 20 lakhs in 7 years, my age is 48, this is for my 2 kids.

I know its never to late , as the future is always bright.

Thank you

Respected HEMANT JI
i m investing 1000 p.m in rRELIENCE REGULAR SAVING GROWTH OPTION from november 2010
should i continu
or stop
i should redeem
or i should stop only sip and should not redeem
pl guide me
AMITA LAVANI
BHUTAN

Hi Hemanth,

Plx comment on my Portfolio which is as follows

MF Amount/ Month( SIP)
HDFC TOP 200 Growth 5000
DSPBR Top 100 Equity Reg 5000
Franklin India Blue Chip 5000
SBI Emerging Fund 5000
Shud i invest in ” Quantum Logn Term Equity Fund”

Regards

nitin

Appreciate your quick response, wat r ur views on “Motilal Oswal MOSt Shares NASDAQ 100 ETF – Growth” . If u had to recommend a MF wat wud that be? Which is a better MF ” Quantum Logn Term Equity Fund” or ICICI Prudential FMCG Fund – Growth – Growth

Many thanks & Regards

nitin

Hi,

I am 27 and thinking about retirement planning. Currently i am investing 2000/month in PPF. Which mutual fund should i consider for long term (for 20 yrs). I am thinking about HDFC Top 200 for 3000/month. Is this a best choice?

Hi Anil,
I am investing 20k per month thru SIP in the below funds.I feel am investing in more no of funds. Please let me know am I going in right path.

Planning to invest for a long term.(more than 10 yrs)

Franklin India bluechip fund – Rs.4000
ICICI focused bluechip fund- Rs.4000
HDFC top 200- Rs.4000
HDFC equity- Rs.2000
IDFC premier equity fund-plan A-growth-Rs.2000
Reliance gold savings fund-Rs-4000

Regards,
Karthick

Hi Anil,

Woukld like to have your views on ” Motilal Oswal MOSt Shares NASDAQ 100 ETF – Growth” . This is the only fund of its kind. Your thoughts on this. Its only been a year since its inception and it has annual return of alomost 36%.

Regards

nitin

hi
i am 40 yrs old working woman, my daughter is in XI. i want to invest 2000/3000 per month for 5yrs for her higher studies. suggest me the best mf for SIP.
thnks

Hi Anil,

Will be very thankful if you kindly guide about “Multiple Yield Fund — Series 22 — Plan F” by ICICI PRU.” Should we invest one lump sum (50K) on it or not. time line – 5 years.

Regards,
Nirupam

Hi Hemantjee & Aniljee,

First of all I would like to thank you for providing us a wonderful guidance.
I am 28 Years Old and starts investing in SIP as per all your suggestions and Posts on mutual Fund.I am investing Rs. 9000/- month in SIP.Kindly look at my Portfolio and suggest whether I am in right direction or not.
Large Cap Mutual Fund:-
1. DSP BlackRock Top 100 Equity:- Rs.1000/-
2. ICICI Focused Bluechip Equity :- Rs.2000/-
Large & Mid Cap Fund:-
1.HDFC Top 200:- Rs.2000/-
Multicap Fund:-
Quantum Long term Equity:- Rs.2000/-
Mid & Small Cap Fund:-
IDFC Premier Equity Plan A Growth:-Rs.2000/-
Kindly tell me how much i will get if i got invested in these funds for 15 years?

This really makes a interesting reading and very useful one.

Recently I had invested close to Rs. 2 lacs in gold in the form of Gold Coin(99.5 purity) in the month of March 2012 and had kept in the bank locker. This is a long term investment (8-10 years)

What do you feel about the future gold prospects in terms of return down the line 8-10 years in future? Is it a good long term investment? Please guide.

I am 36 years old, I am planning to start investing atleast Rs. 1000 to Rs 2000 on a monthly basis in any SIP/ELSS.

As per the trend and performances in the past, present and future. Which fund you suggest to invest?

Hi Hemant,
I just want to know that If I am going to start an investment in SIP then which 3 would be the best to choose?
You can tell me top 5 so that I can take 3 & invest 1000 Rs p.m on 3 MF’s.

What I have selected: DSP BR, HDFC Top 200 & Reliance Growth. Others also included franklin & fidelity.

Please suggest.

Hi,

Is it possible to invest directly into Mutual Fund bypassing the distributors ? I understand that it could reduce the processing fees related overheads for the subscriber but are there any issues if one takes this approach ? Does all fund houses provide this ?
Please advice.

Hi Anil,

First of all i want to thank you for your advice regarding my MF portfolio which has provided me much needed assurance about it. Could you help me in clearing a couple of more queries please.

1. I want to start SIP in a balanced fund for 2000 pm for med-long term. i am confused between HDFC balanced fund and HDFC Prudence fund. Please guide me on which one should i opt for. HDFC balanced fund has been performing slightly better from the past couple of years but Prudence is an experienced fund.

2. I have stopped my SIP in AIG world Gold fund but it is not recovering its losses (arnd 20% 🙁 ). Should i sell it, switch it, or wait for it to come back to even point?

Thanks a lot

Hi, wats ur take on IDFC PREMIER Equity fund? I am a bit skeptical abt investing Fidelity equity after I heard the news of it being take over by L&T. Would u suggest a MF for a short term perpesctive. Say abt 3 to 5 years.
Thanks

Dear Anilji,

Now I am in a dilemma and hope only you can give me suitable advice, hence please help.

Actually I am investing 27K in mutual fund inline with your advice, but now I have booked a flat for which an amount of 26,00,000/- Home Loan has been sanctioned. EMI may be around 26K.

So please advice me whether I should stop all Mutual Fund investments and deposit additional amount in Home Loan account apart from EMI to reduce the interest or should I continue to invest in Mutual Funds apart from EMI for Home Loan ?

Please note I can manage to get additional 25-30K apart from home loan EMI.

Thank in advance.

best regards,
murali

Dear Hemant/Anil,
Grateful, if you please clarify whether there is any difference in interest rate between PPF and VPF A/C (of an employee in PSU).

Regards,

Dear Anil Ji,
I am 39. I have planned to invest further Rs.12000/- to 14000/- per month through SIP for next atleast 15 years. Please sugegst some good 3-4 funds for me to plan out my future goal for wealth creating for my kids’ future plans. Request your help in distributing this amount into 3 to 4 good funds for SIP. Pl suggets some good, well performing funds for me to invest.

Thanks
Vikram

hello hemant/anil

well i m 30 year old i want to invest 1.5 lac for a year i want to buy a term insurance i looking towards aviva my premium would be near about 4700
for a year is it a good option and second i want to invest in sip but i dont know
which is good for me see i want to invest 10k per month for 20 years so please suggest me.

thank you

Hi Hemant/Anil,

This my portfolio,

Type Fund SIP Amount
Equity: Large Cap DSP BR top100 Equity Fund Regular 5000
Franklin India Blue Chip 5000
Equity: Large & Mid Cap HDFC top 200 5000
UTI Oppurtuinities fund 2500
Equity: Multi Cap Quantum Long term Equity 2500
HDFC Growth 2500
Equity: Mid & Small Cap SBI MSFU Emerging Business Fund 5000
IDFC Premier Equity 2000
Equity FMCG SBI Magnum FMCg Fund 2000
ICICI Prudential FMCG Fund 2000

Hi Hemant/Anil,

This my portfolio,

Type Fund SIP Amount
Equity: Large Cap DSP BR top100 Equity Fund Regular 5000 ( Existing)
Franklin India Blue Chip 5000( Existing)
Equity: Large & Mid Cap HDFC top 200 5000( Existing)
UTI Oppurtuinities fund 2500( Planning)
Equity: Multi Cap Quantum Long term Equity 2500( Planning)
HDFC Growth 2500 ( Planning)
Equity: Mid & Small Cap SBI MSFU Emerging Business Fund 5000( Existing)
IDFC Premier Equity 2000( Planning)
Equity FMCG SBI Magnum FMCg Fund 2000( Planning)
ICICI Prudential FMCG Fund 2000( Planning)

Shud i go Ahead with wat ever i have planned to start.

Your thoughts on my portfolio please.

Regards

Nitin

Hi,
I am 25years old, pursuing my Masters now.
Had a query regarding the BSLI Ulip plan : Dream Plan-Life Cvg-Opt 100% -Term 20 ( enhancer). Its for 20yrs and am paying a premium of 35k pa. It has a basic sum assured of 5lacs and Guaranteed Maturity benefit of 8.6Lacs. Now i have learnt through the articles that investing in ULIP’s is not advisable and costly. But my query is:
1) Its been three years ( 2009 to 2012) now for the policy and the lock in period is around Nov’12. Should i pay the premium for the year 2012 and once the lockin period is done , shall i opt out of it or continue with the plan?
2) What will happen if i stop paying the premium after the lockin period.
3) Can u suggest me good term plans where i can have life-insurance cover and maybe also think about retirement planning.

Many Thanks
Sivaram

Hi Hemant & Anil.
I want to invest Rs. 20000/- at a time in mutual fund or wherever for 15 years
so what will be your guidence.

utpal

Hi Hemant,

I have been reading your inputs for quite some time now and Its been very informative and helpful to plan for my SIP investments. Thanks for your all suggestions.

Now these days since education is very expensive and at the time of new session, we have to shell out big chunk of money from pocket for one kid and double of this in case of two kids. To avoid the last minute burden of arranging the amount for fees, I am planning to invest in short term debt fund (1year) which can be taken out at the time of new session with some return.

Please suggest if my planning is fine and which are good short-term debt fund to invest. Do we have SIP route for these fund or have to put in lumpsum amount.

Thanks
Shailendra

Hi Mr. Hemant / Mr. Anil,

Thanks a lot for providing so much information related to financial planning.
I wish to invest through SIP in the following Mutual Fund. The investment money is required for home loan after 5-6 yrs. Pls check if the fund selected are fine. Kindly suggest for any modifications, if required.

1. UTI Opportunities
2. Birla Sun Life MNC
3. Canara Robeco Equity Diversified
4. UTI MNC

Thanks & Rgds
Anand

hello hemant/anil

i read your article its very good actually i want to invest 10000 per months for
10 years.some one gave me suggestion to invest in such funds please tell me
is it okay to invest in theses or not.

BSL Frontline Equity 2000 per month
HDFC Mid-­‐Cap Opportunity 2000 per month
ICICI Prudential Discovery Fund 2000 per month
Reliance Banking Fund 2000 per month
DSP BR Micro 2000 per month

please tell me if that is a good option

thank-you
rahul jain
9711400000

dear sir,
pls advise me to invest rs.8000-10000/-per month in sip or other plans.Pls advice me the type of portfolio.

Hi Anil,
Thanks for the suggestion.
Actually I have to invest Rs. 12K pm. in MF-SIP.
Earlier I had selected 1 Large CAP (UTI Opportunities), 1 Mid & Small (Birla Sun Life MNC), & 2 Diversified (Canara & UTI MNC).
As per your suggestion I think that I should replace UTI MNC with HDFC Balanced Fund. The time horizon can be increased to 7-8 yrs, if required.
Is it correct to invest the entire 12K in Balanced Fund. Kindly suggest.

Hi Anil,
Thanks for the valuable input.
How is my fund & amount selection now for 7-8 yrs and 12k monthly investment.
1.Large CAP -ICICI Prudential Focused Bluechip Equity Retail – 3000 Rs
2.Large & Mid – UTI Opportunities – 3000 Rs
3. Balanced – HDFC Balanced – 2500 Rs.
4. Multi CAP – Quantum Long Term Equity – 1500 Rs
5. Mid & Small – Birla Sunlife MNC – 2000 Rs

Hi Anil,
Thanks a lot…

Hello Anil,
I really appreciate your valuable effort to clear people doubt for selecting mutual funds diversification.As I have noticed that in all your answers to others ..You have mentioned that all mutual funds having their perfomance as per market & its necessory to track perfomance ..It may either provide good peromance or may falter..As there is always risk in all mutual fund whether it be diversified equity fund,.or..debt..or short term bond fund..or..balanced fund..Also I know to get assured amount of retunr bank FD/ post office is recommanded…

BUT why one should take that risk whether mutual fund perfomance is not assured?? It can be either way although more thoroughly researched investment…

Better If invest in sahara india parivar…FD which is providing 2 & 3 times category return of interest….Means after 5 years & 11 month…assured invested money get doubled….

With comparing to any diversified equity fund,,..or short term fund.or balanced fund…No one can assured such like that above as I mentioned about sahara…

I Know that U will say as not to much interect only on 1 & SIP should be diversified……But if we get assurance confirm than any other dont ahve assurance……then its only look ok overall anyway.

Suggest more about sahara india PARIVAR FD.

I hope you will have more researched about this now & hope you will come up with good suggestion…

If suppose we invest 1,00000 for more than 15 years in shara india parivar FD .. They are commited to provide retunrs three times…i.e…more than 800000+.

Regards,

Darshan Bhavsar

hello anil/hemant

BSL Frontline Equity Large 2000
ICICI Prudential Discovery 2000
HDFC Mid-Cap Opportunity 2000
Reliance Banking Fund Sector 2000
HDFC Balanced Fund Balanced 2000

Is that a right choice for per month for 10 years.please suggest me that as soon as possible.

Thank you
rahul jain

hi
i have invested 50,000/ YEAR in each of the following-
L&T FMP
BIRLA SUN LIFE FORESIGHT PLAN
HDFC CREST MIN NAV PLAN
and now i have another 50,000 this year to invest.i want least risk and one time investment for long term.can somebody help?
regards
SAMEER ANAND

Hi Anil and Hemant,

Thanks a lot for your valuable time to resolve the queries of the reader, this is really a good effort from your side. Amazing!!! From last few days I am reading your writeup and comments on MF.

I am 31 years, married with 2 years daughter, IT professional. I want to invest 3000 pm in SIP for 10 yaers, I I have selected three funds (1000pm each) as:
DSP BlackRock Top 100 Equity -Large Cap
HDFC Top 200 -Large and Midcap fund
Quantum Long Term Equity – Multicap

I want to know, is my selection of 3 funds is good enough.
Secondaly, as the amount is less then should I restrict to two funds with 1500 pm, if it is so then kindly advice which two I should invest.

Thanks a lot.
Amit

i investng 10000 in hdfc top200,10000 in hdfc goldfund,5000 in hdfc midcap, 5000 in hdfc equity totally 30000/month by sip my question is shall i continue this for long term r divert money from hdfc to other mutual funds

Dear Anil,
You have already mentioned that the investors generally should not consider more than one fund from a particular found house. In case of HDFC Balanced Fund and HDFC Equity, fund managers are different. If one wishes to invest in both of the above funds, do you still feel that there will be constraint in proper fund diversification?

Regards,

Thanks Amit for your quick response!
May God bless you with happiness & success!

Regards,

My age is 25…My current SIP’s are
IDFC Premium equity Plan A-Rs.2000/-Per month
IDFC Premium equity mid Cap-Rs.2000/-Per month
Kotak oppourtunities fund-Rs.2000/-Per month
DSP Black Rock Equity Plan A – Growth-Rs.2000/-Per Month
Reliance equity oppourtunites retail plan-Growth Plan-Rs.2000/-Per month.

Im investing it since 2011, Plz. advice the future potential of these funds& how much retrun i can expect from these funds if i hold it for 8 to 10yr.Should I do any changes and start any others fund ?
Please advice!

I appricaite your valuable guidance. I am a NRI,What is the maximun % age savings amount can be invested in Mutul Fund (SIP), I am 43yrs old , i am investing 50% (Rs77k/month) in MF thru a CFP & 50% in bank FD since Jan2012, investing in ULIP 50K/yearly , I am very soon going to buy A term plan of 500k (SA) , which insurance company you suggest me. I am holding my own house . My investment for my 2 male children higher education & retirement plan. I feel that investing 50% of saving in MF is more . What is valuable comments sir.

Hi Hemant,

As per your above article, i would like to invest in two MF’s DSP Black Rock Short Term Fund and Franklin Templeton India Short Term Income Plan but the only problem is I am unable to find any sales distributor for these funds in my hometown Meerut. I put up in Delhi as I am working in Gurgaon. I would be very thankful to you if you let me know about the location of both these mutual funds offices in meerut as well as in New Delhi so that i can invest!!!!

Thanks & Regards
Kavish Bathla

HI ANIL / HEMANT

Can you suggest me the best MF to invest 1.5lk for atleast 10 years time frame. this would be one time investment.
Thanks for your valuable suggestions !!!
Regards
sameer anand

Hi Hemant,

I am 30 years old & will be starting SIP from next month. I plan to invest for 10 years. Below listed are the funds I have chosen.
Large Cap – Franklin India Bluechip = 1000
Large & Mid Cap – HDFC Top 200 = 2000
Mid & Small Cap – IDFC Premier Equity (Plan A) = 1000
Please suggest if any changes are needed & what kind of portfolio can i expect with this investment in 10 years.
Regards,
Angel

Dear Anil / Hemanth,

I am investing 11,000 per month in mutual funds. Invested in 4 equity diversified mutual funds in the following fashion:

Large Cap funds
• DSP Black Rock Top 100 Equity Fund – Growth – 2000/month
• ICICI Prudential Focused Bluechip Equity Retail – Growth – 3000/MONTH
Large & Mid Cap
• HDFC Top 200 Fund – Growth Plan – 3000/month
Mid & Small Cap
• IDFC Premier Equity Fund – Plan A Growth – 3000/MONTH

My Goals are:
 To build Retirement corpus of Rs. 1.5 Crore – 20 Years
 To buy an agricultural plot Rs. 10 Lakhs – 5 Years

My Question is:
• I would like to include HDFC Prudence Fund and invest 2000/month to take the benefit of diversification and increase the Debt component. (Already investing in Kotak Gold ETF 1 unit/monthly)
• I can invest 4000/month more, in which funds I will increase the SIP amount, since I would like to adopt core and satellite approach. (80% of portfolio should have Core funds and 20% consists of Satellite portion)
• Also wants to know, Is it good that I can invest or shift my emergency fund amount Rs.1,80,000 (partial or full) in Debt/Liquid Mutual Funds for better returns.

I request you all to kindly advise me the amount I need to invest to achieve these goals and also should I continue to invest in the same funds or some changes are required.

Thanks and Regards,
Saikat Pandit

Hi,
Can you provide clarity in terms of Sectoral Funds?
Specially about Infra and banking fund. Can one buy it in his portfolio for long run or is it too risky bet.

Dear Anil & Hemant ji
I think in mutual fund “EXPENSE RATIO” is a very crutial & important part.
can both of you write a article on it? with example.
I think most of us dont know sufficient about expense ratio, because most of the website shows % of the return but what actually we will get after 10 or 15 or 20 years.
I have some articles about expense ratio which is very terrible.
so pls. write this details.

Hi,

I am Planning to Invest in the following Funds through SIP :

HDFC Top 200- Rs. 2000
DSP BR Top 100 Equity- Rs. 2000
Franklinn India Blue Chip- Rs. 1000
ICICI Prudential Focused Bluechip Equity- Rs. 2000
UTI Opportunities Fund- Rs. 2000

HDFC Midcap Opportunities- Rs. 1000
Birla SL Dividend Yield- Rs. 1000
Birla SL MNC Fund- Rs. 2000
SBI Magnum Emerging Business- Rs. 2000

HDFC Prudence- Rs. 3000
HDFC Balanced Fund- Rs. 2000

Kindly Advise if the Portfolio Looks OK. If not, Kindly advise which ones to Keep and which ones should be opted out.

Look forward to your Advice.

Thanks

While Anil & Hemant and some other esteemed readers are trying to help the new investors like us, it is also our responsibility not to ask the same type of questions which have been answered again and again in this blog.

Dear Anil / Hemant,
I am Planning to Invest Rs.30 lacs in the following Funds through SWP for 10 years :
1.HDFC Top 200 Gr
2.HDFC Equity Gr
3.ICICI FMCG Gr
4.Reliance Pharma Gr
I would be very thankful to you if you let me know about my planning to get Rs.50K PM to meet my monthly expences by doing above.
Kindly Advise if the above funds are OK. If not, Kindly advise which ones to select, so that my Investment should be SAFE.
Look forward to your Advice.

sir i want to invest 5000 pm in mutual funds through sip.but i m new in this field.how can i invest.is any demat account require for this or anything else.tell me the procedure to invest in mf through sip step by step.

dear Sir,

i have invested 7k p.m in
icici bluechip
DSPBR top 100
HDFC top 200
Birla growth fund

Now my My friend is suggesting me to put lumsum money(10k or 20K) in IDBI NFO( IDBI India Top 100 Equity )which they have just launched (9 may is the last date) so should i invest in that fund or divide it in my current SIP investments

Dear Anil & Hemant ji
I think in mutual fund “EXPENSE RATIO” is a very crutial & important part.
can both of you write a article on it? with example.
I think most of us dont know sufficient about expense ratio, because most of the website shows % of the return but what actually we will get after 10 or 15 or 20 years.
I have some articles about expense ratio which is very terrible.
so pls. write this details.

I am 39 yrs old ,single and have been investing since 2 years in these Mutual Funds via SIP Monthly.
My time horizon is 15 yrs.
How is my portfolio? Does it need any correction?
Roughly how much can I generate from this portfolio.
DSP Equity – Rs 3K
Franklin India Blue Chip- Rs 4K
Hdfc Top 200- Rs 6k
IDFC Premiur Equity- 3K
ICICI Pru DIscovery Fund- 3k(will start this next month)
SBI Dynamic Bond Fund- 3K
Reliance Gold Saving Fund- 2K (Since last yr)
PPF – Rs 1.5 K
New Pension Scheme- Rs 3K
All r monthly SIPS…
R these funds Ok…do i need changes…
I have 2 Ulips which in Bajaj Allianz and Lic Money Plus Plan 180…paid 3 yrs premium total Rs 60000 in Bajaj Allianz and paid 5 yrs Premium (Rs 20000 each year) total Rs 1 Lakhs..and have stopped paying any premiums now but the policies are still intact…
1.How much can I genrate from my Monthly SIP portoflio after 15 yrs..
2.How is my Portfolio..has it the right mix of equity and debt…
3.Do I need to reduce or add in equity funds or debt funds…pls suggest

4. Is it overdiversifed etc..I am will to make changes..
Thanks
Awaitng Reply
Have a Good Day
Pls analyse my portfolio and suggest me accordingly..

Thanks…

Hi Hemant,
I am Aman, 27 yrs old & married. I want to invest in SIP for a period of minimum 10 years. I have selected 8 names of MF out of that 5 have to be selected with 5000 p.m. Could you please suggest me top 5 for me or if you think any other which is not in a list then please suggest. Here are:
DSPBR Top 100 Equity : 1000/ mnth
HDFC Top 200 : 1000/mnth
IDFC Premium Equity Plan A : 1000/mnth
UTI Opportunities Fund: 1000/ mnth
Reliance Growth Equity/Reliance Eq. Opp.fund.: 1000/ mnth
Franklin India Bluechip: 1000/ mnth
Fidelity Equity Fund: 1000/ mnth
Quantum long term equity: 1000/ mnth

What about Gold fund: I have to invest 2000/month; 2 should be selected or in one has to invest 2000. Reliance/SBI/UTI..etc. please suggst.

Thanks & regards

Hi Hemant,Anil and Vivek
Thanks for the reply… I feel I have too many funds…can u tell me which funds I should get rid of?
Is investing Dynamic Bond Fund via Monthly SIP good for 15 yrs good?

Hi,

I started investing in SIPs around 2008 Dec. In my portfolio, I have –

1- IDFC Premier equity fund -G (34% growth)
2-HDFC top200-G (16% growth)
3-Reliance Regular savings find-G (14% growth)
4-Birla Sunlife95 – G (*started in May 2011)

1- I need your advice what I can stop in my current list?
2- I want to add 2 more SIPs i.e. overall 6 SIPs. What I can add?
3- The one which I will stop; should I redeem the whole amount? If yes, where I should then re-invest it? as a one-time investment?

Pls suggest.

I had a query regarding best option for parking some funds for a short period of time. I have some funds which I need to park for some time say 3 to 6 months until I pay up for a property which I am investing in. Leaving it in the bank would fetch very paltry returns. An FD is better. I wonder if debt funds would be a better option and if so which one? Also, considering the tax outgo I thought that a debt fund would be better. Any suggestions please.
Thanx n best regards,

Hello sir,

I have 5 sip’s in different equity house.One of the sip includes ICICI Prudential banking and financial services growth.I’m tracking for past 1 yr and this fund is atleast break even when the market is down.So can i continue with this or do i need to switch to ICICI blue chip as i dont the historical data of the earlier sip.Pls suggest.

Greetings of the day!!
I need your suggestion .As of now i dont have any savings except own house and a bank loan of around 3Lacs with an emi of Rs6500/pm.I have an investments in ULIP 2lacs/anum which i started lastyear onwards.Now i can invest an amount of Rs25000/-Pm .I need to have a balance of 1 crore by 2021 towards my daughter marriage and my son education .pls guide me with your valuable inputs
regards
MADHU

Hi,
I am investing for Long term in MFs. By long term, I mean I want to stay invested for atleast 10 more years. While I do review my investments atleast twice a year or more , can you please review and let me know if I am trying to do things right.
My mutual fund portfolio (in %) consists of the following schemes which I have started investing in different times across 5 years for now:

Balanced Fund
HDFC Prudence Fund – 37% – (Primarily because I started my investment with a balanced fund for the first 2 years. In recent years I have stopped investments into this funds to avoid too much exposure)

Equity Fund
HDFC Equity – 23%
Reliance Regular Saving Equity – 15%

Large cap Fund (want to make this my core fund and currently investing regularly in this fund for last 1+ years)
DSP Black rock top 100 equity fund – 7%

Mid/Small cap fund
Sundaram Select Midcap fund – 8%

Hybrid debt based fund
Reliance MIP – 5%

Thematic
Reliance Infrastructure Fund – 5%

Please advice.

Regards,
Ravinder

Regards Mr. Hemant,
iam investing in HDFC sar uthake jeo unit linked policy since 3 years,totally i invest in that 70,000/- rt nw the fund value is showing 52,000/- i dnt know wat to do?
shell i continue r stop?pls give me suggestion.

murthy

pl suggest me a diversified profolio for sip in mutual fund

Sir,

I recently starts to read your article.
I have invested lump sum 8.5 lacs rupees in Tata Balance fund-monthly dividend scheme.purpose for the investment is moderate risk, returns expectation more than bank fixed deposit, investment for atlease 5 yrs.

please advice me for above investment.

hi sir,

i recently starts reading your financial article.

I have invested 8.5 lacs as a lumpsum in tata balance-monthly dividend in January 2012 for long term.
please advice me for above investment.

hi my name is kripa shankar dubey.i am 32 year old.married.private service.
i start icici prudencial discovery growth.MF. IN per month SIP 3000.
is this correct or not.
kindly suggest me i want to start.uti oppurtunity fund is this good for long term or not.

regds
kripa

I am doing a sip in Hdfc mid cap fund(G),Icici pru dynamic(G),Hdfc equity fund(G),Reliance equity opportunity (G),Reliance diversified power(G) for last two years.I am 35yrs of age & investing in these for a horizon of 5 yrs.please advise if my portfolio need some change or its o.k.

Dear Anil / Hemanth,

First of all thanks a lot for your valuable time and your crisp and to the point reply, as you have suggested me to opt for Quantum Long term Equity fund as one multi cap fund in my portfolio for better diversified, But kotak securites does not allows to select Quantum MF’s

I was thinking of adding Reliance Equity Opportunity fund for the same, (as i don’t want to choose two funds from the same fund houses), but am confused whether its a multi-cap or small & mid cap fund, so kindly suggest me any other pure Multi-Cap funds.

Ur suggestions are greatly appreciated.

Thanks in advance.

Regards,
Saikat Pandit

Dear Sir,
My portfolio is as mentioned below from last TWO years. All are SIP’s with 10 year plan and amount is mentioned in the bracket.
DSP BlackRock equity fund – Regular plan – Growth (Rs.1000/month)
HDFC Top 200fund – Growth (Rs.4000/month)
ICICI Prudential infrastructure fund – Growth (Rs.4000/month)
Reliance growth fund – Retail plan (Rs.4000/month)
SBI Magnum Comma fund-Growth (Rs.5000/month)
SBI Magnum sector funds umbrella Contra-Growth (Rs.5000/month)
SBI PSU fund growth (Rs.3000/month)
UTI dividend yield fund growth option (Rs.4000/month)

Now i am in need of money & kindly advice which one i can stop?
Is my portfolio well balanced? or what is missing?
Which is the worst one?

hello anil/hemant

I am rahul jain i have few question . Actually i want to invest 10 k per month for
5 yrs , so which are the best fund for me as i don’t have any knowledge about any funds and please suggest me the name of the funds which i have to invest. Do i need to invest by the help of any broker or do it myself

Thanking you
Rahul Jain

Hi,

Presently I am investing in SIP for the following funds and my overall portfolio is running at a substantial loss. Should I discontinue with the SIP?

1. Fidelity Equity Fund
2. Franklin India Prima Plus
3. HDFC TOP 200 Fund
4. Reliance Gold Savings Fund

Thanks and Regards,
Pinki Goswami

HI hemant, Nice article
I have SIP of
Rs 7000/- in HDFC top 200
Rs 7000/- in DSPBR top100
Rs 7000/- is HDFC equity
Rs 6000/- in IDFC primere equity
Rs 3000/- DSP BR Micro Cap
Rs 3000/- Reliance gold fund
Is my fund selection OK?

sir,
my investment are as follows:
DSPBR top 100— 2000/-pm
DSPBR micro cap—1000/-pm
hdfc midcap opportunites—1000/-pm
hdfc top 200—-1000/-pm
Reliance gold saving—-1000/-pm

i want to invest Rs 4000 more,
i request you to kindly suggest me in which fund should i invest.
i have selected UTI MNC FUND for investment.

Thanking you.

Hemant ji

I am 32 years and invested Rs.20000/- each in HDFC top 200(Growth) and DSP Black Rock Top 100 (Growth) Mutual fund in May Month and now also want to invest through SIP for the long term basis

My Plan is to invest Rs.10,000 per month through SIP

Kindly suggest the Mutual Fund

Regards

Prateek Agarwal

Sir,
I am planning to start SIP for 15 years in these funds. Please suggest if these funds are right or do I need any change. Please suggest the ratio of amount investment is also right. Please suggest changes if any.

HDFC Equity Fund – Rs. 4000/-
Birla Sunlife frontline Equity Fund – Rs 4000/-
DSP Blackrock Equity – 4000/-
Franklin Bluechip Rs 4000/-

Regds

Vikram Kumar

Hi,

I would like to buy below MF`s
1. ICICI Pru Focused blue chip Eq.Instl I Growth-3000
2.DSP BlackRock Micro Cap Fund Growth-3000
3.Reliance Equity Opportunities Fund – Retail Plan Growth-2000
4.HDFC Balanced Fund Growth – 2000
5.SBI Dynamic Bond Fund Growth -1500
6.Canara robecco Tax Saver -1500

Pls. advise.
Regards,

Hi Heman/Anil
Hope you are doing well.. I am 27 yrs old & looking for investment for 10-15 yrs atleast. I have just started investing 6500 p.m in the following :
DSPBR 100- 1000 pm
HDFC Top 200- 1000pm
Rel Eq. Opp- 1000pm
UTI opp.- 1000pm
SBI Gold fund- 2500 pm

Could you please tell me is it good to go for me or not?
And also I am looking for adding ICICI prud Foc or IDFC prem. in my portfolio.

Between SBI gold Fund & Reliance gold fund/ saving fund, which would be the best one to opt?

i have following sips- RS.2000 each in 1) uti opp 2) hdfc midcap 3) sbi emerging bussiness 4) reliance banking 5) icici FMCG ….. 6) 3000 in CAN rebeco infrastrur 7) 1000 in birla mnc fund & 8) HAVE ICICI FOCC BLUE CHIP FOR BULK INVEST MENT ….
at present i have 40 % in large cap , 30% in mid cap & 20% in banking fund… i also invest in gold coins & some debt instruments (7000 per month)….
i am looking forward to a 10 to 15 years period … i monitor the markets closely & make lump sum investments in icici foccussed blue chip…
I will double my sip in uti opp & birla mnc & start a sip of 4000 in icici focc blue chip by year end….
please send your valuable comments….. please reply…. please guide me…..

Hi,
Hemant ji & Anil ji,
I want to invest Rs. 10,000/- in sbi magnum fmcg fund.
Is it right time to invest in fmcg fund?
if no then when I’ll invest in above said fund.
Thx.

Hi Anil/Hemant,

Following is my MF break for investing every month.

FUND Amount %
Franklin BlueChip 6600 30.00
HDFC Top 200 6600 30.00
IDFC Prem Eq Grwth Plan A 2200 10.00
Icici Pru Discovery Grwth 1100 5.00
Quantum Long Trm Eq Fund Grwth 2200 10.00
GoldBees ETF 3300 15.00
TOTAL 22000 100.00

Additionlly to the above I intend to invest a total of Rs. 5000/mnth between
i. Goldman Nifty Index ETF
ii. Goldman S&P CNX 500 fund.

Please suggest if the above approach needs adjustment and what kind of a corpus can I expect in 10 years ??

Thanks

Hello Anil ji,

I have been reading your articles regularly and have incorporated practices like budgeting, planning etc.. Keep writing and keep getting our wishes…

I dont have any investment in SIP’s till now as i was not generating enough income but now i can start, I have selected following funds

Name of Fund I No. of Years Amount per Month
ICICI Pru Focused Bluechip Eqty (G) Large Cap 3 1500
SBI Magnum Emerging Busi (G) Small & Mid Cap 3.5 1000
Can Robeco Eqty TaxSaver (G) ELSS ? 2000
HDFC Balanced Fund (G) Balanced Fund 4 1500
Quantum Long-Term Equity Fund (G) 4.5 1000

Kindly provide feedback on my going to be portfolio so i can do changes now….

Also i can take risk and do have cash to meet immediate requirements so i can go really long term. I am 25 now…

I have some doubts also:

1. Should i do any of proposed SIP for 10-15 years?
2. Also ELSS what time horizon i should take, i know minimum three years but how long i should take… Is it tax exempt now also? Whether i should really go for it?

Kindly guide me.

hi anil/hemant

Hdfc top 200, Rs 2000
ICICI focussed blue chip fund Rs 1000
ICICI Discovery growth fund Rs 1000
Axis mid cap fund Rs 1000

I have these fund and have been investing two years, also i invest Rs 20000 every year on elss, Rs 20000 in Nsc and around 25000 in PPF. Im now looking for something which could give me good returns when in retire. im targeting around 3 cr. can you pls suggest me which plan, fund and policy i shud go for or how shud i plan my investment. Also what should one consider while choosing a mutual fund. pls suggest

Hi Anil/Hemant,

Following is my MF break-up for investing every month.

FUND
———————————
Franklin BlueChip – 6600
HDFC Top 200 – 6600
IDFC Prem Eq Grwth Plan A – 2200
Icici Pru Discovery Grwth – 1100
Quantum Long Trm Eq Fund Grwth – 2200
GoldBees ETF – 3300
———————————
TOTAL SIP – 22000 / month

Additionllay to the above I intend to invest a total of Rs. 5000/mnth between
i. Goldman Nifty Index ETF
ii. Goldman S&P CNX 500 fund.

Please suggest if the above approach needs adjustment and what kind of a corpus can I expect in 10 years ??

Thanks

m 23….govt employee…. a RD(500), a PPF(2000) 7 yrs left, HDFC TOP 200(1000),SBI EMER BUSI(1000),UTI OPP(500),ICICI FOC BLUE CHIP(500)……for long term …am I in right track?

Dear Sir/ mam,
I am 32 year old having HDFC tax saver fund 1500 and sbi tax saver fund 1500
Suggest me any other short term fund

Hi Hemant,

I want to invest some bulk amount but do not want to take bigger risk,I was thinking of keeping my money at FD but need a bit of higher returns. Can you suggest where I can invest my money to get annual returns of about 16-20% with medium risks, I am thinking of investing between 30-35 Lacs.

Hi Hemant

I’m having
Canara Robeco Equity Tax Saver Fund – 1000
HDFC Tax Saver Dividend – 1000

Are these are good funds or I have to do some changes in it.

Hi All,
Kindly help
I wish to start with following portfolio- Kindly advice

DSPBR Top 100 equity- Rs 500
HDFC Top 200 G – Rs 500
HDFC Prudence – Rs 1000

If Possible, then to the following

HDFC Equity- Rs 500
Canara Robeco Equity- Rs 500

Hi Anil,
I want to invest Rs. 60000/- as one time investment for 6 months. Kindly suggest, which fund give me maximum return. I need amount after 6 months.

Regards,
Saurabh baghel

Thanx for ur view sir….another question wt is d min SIP through any bank ?…..they r saying its 1000….are dey right…

is it worthwhile to have SIP through broker house …..are d charges same ?

I am just 27years old and this is my portfolio.kindly suggest, m i doing good?
this is my portfolio.

B51 Birla Sun Life Equity Fund – Growth – Rs. 2000
B261G Birla sun life dividend Yield Plus – Growth – Rs. 2000
Reliance Regular Savings Fund – Equity Plan – Growth – Rs. 2000
B293G Birla Sun Life Infrastructure fund Plan A – Growth – Rs. 1000

gold
Axis gold savings fund(4000rs)

my capacity of saving is just 12000 per month….

Hi, Can you please let me know if my SIP profile given below looks ok?
HDFC Prudence
HDFC Equity
HDFC Equity Fund Growth
Franklin India Bluechip
ICICI Pru Dynamic Growth
IDFC Premier Equity
ICICI FMCG Fund (satellite fund)
SBI Dynamic Bond
Kotak Gold – G (satellite fund)

I keep my excess funds in HDFC Cash Management Plan and do the monthly withdrawal and then SIP to the above funds. Do you find this is too diversified? I hold Kotak Gold & ICICI FMCG as satellite funds only (each @ 5% of the portfolio).

Dear Hemant/ Anil

Need your urgent opinion I am doing a sip in 6 mutual funds Reliance diversified power sector (G), Reliance Equity opportunity (G), Icici prudynamic (G), Hdfc Equity (G), Hdfc Midcap opportunuty, Reliance Gold savings Fund (G). Is my portfolio is correct or does I need to change anything considering 5 years time.Plesae reply as last time I asked & there was no reply.

hi, dear hemant,

i m 29 years old.. my monthly income is 35000 . i want to invest in sip 5000 per month for 15 years. my target is 50 lac rupees . please suggest me how and in which funds should i invest…. thans in advance

Hi Guys,

I am totally new and need your experience guide.
Could any one of you suggest/help me to invest my saving in good/best mutual fund for my future ?
I am 27 year old and my monthly saving is 12,ooo/- thousand.
My questions as below:
1) How I can i invest in mutual funds ?
2) How can i apply or register to mutual funds? What are the site’s URL ?
3) How can i distribute my saving in different funds ?
4) Which are the good mutuals funds ?

Please suggest SIP profile for me.
I appreciate if any one help in this.
Thanks in advance

Regards,
Snehal

Hi Hemant,
I am regular reader of your articles, and would appreciate if you could advice on the following –

I am in my early 30s with no liabilities (home loan, etc.). I am married and have 3 yrs old kid.

My total savings are 10L in FD and 2L in gold with 2-3 lakhs (combined/total) in PPF, PF, and EPF. I have not been exposed to equity but would like to start with Mutual Funds.

For now, I could invest 45K pm for next six months, and after that 15K pm for next 14.5 years. Below are the funds I have shortlisted –

1) HDFC prudence – 15 K ( for 6 months) and then 5 k for 14.5 years
2) Fidelity Equity Fund – 15 K ( for 6 months) and then 5 k for 14.5 years
3) SBI Magnum Emerging Businesses Fund 15 K ( for 6 months) and then 5 k for 14.5 years.

My goals are –
1) 5L in 2 years from now (foriegn trip)
2) 10L in 3 years from now (car)
3) 75L in 15 years from now (child education)
4) 75L in 22 years from now (child marriage)

Pls. advice if I could reach my target with the above strategy/approach.

Also, to add

A) I am not planning to invest any more in FD but PF, EPF, etc. would continue.
B) For retirement, I have retirement home, and some ancestoral property worth 60 L (today’s price) with some rental income starting in year 2022 equivalent to 18k pm in todays term/value. Plus PF, Gratuity, and EPF

Your inputs would be highly appreciated.

Thanks
Shrey

Dear Sir,

I have a plan to invest in small & midcap funds, so Below are the funds I have shortlisted .pls choose the best one among these and advise
1.Reliance equity opportunity
2.Hdfc midcap opportunity
3.ICICI discovery fund..

Rgs,
deva

Hi

I want to invest in Gold. Which is good Mutual Fund or ETF.

Dears,

My age is 34 years, i am a fresher in this field, like to start some investing. Kindly advice whihc mutual fund to start with.

Usman.

Honorable Sir ,
I hope you are having a fine .
My Question regarding NFO OF QUANTUM MF
If a fund 45% exposure in equity ,20% exposure in gold and ramain are debt fund So it will consider as LTCG OR STCG .

If fund invest more than 1 yrs
You elaborate if exposure will be 65% in equity it will consider as LTCG.

but here what will be tax treatment proportionate of gold .

Could you tell me ??

I am semantic only gold exposure point of view .

I am new to Equity & Mutual fund investment, want to invest monthly up to Rs.5000 for 3 to 5 years.
Presently I invested only in LIC ( annually around Rs.50000)
Please suggest me a investment plan, fund, shares etc.,

Dear Sir,
I am investing below mutual funds through SIP Route
IDFC Premier Equity
HDFC Top 200
Reliance Growth
I am not very much satisfied with performance of Reliance Growth ( last two years performance) Should I switch to some other fund ? like ICICI Prue discovery or UTI Opportunities.
I am doing some lump sump investment from Time time in below Funds
DSP Black Rock Top-100
Birla Sunlife Front Line Equity

Hello Hemant,

I am new to Equity & Mutual fund investment, want to invest monthly up to Rs.6000 for coming 3 to 5 years and would like to increase the same gradually in coming years.
I have identified few MFs based on my appetite :

1) Mirae Asset India Opportunities Fund-Looking for a conservative fund in the ‘Equity: Large & Mid Cap’ space or
1) Large and Mid cap-HDFC Top 200 (Equity)
2) Large Cap-Franklin India Bluechip Fund
3)Balanced-Canara Robeco Balance fund

Please suggest with respect to above mentioned MF’s. Also do suggest me best MF’s to invest keeping 15-20 years of horizon.

Regards,
Pratik

Hi
Kindly help
I wish to start with following portfolio- Kindly advice

ICICI FOCUS BLUE CHIP EQUITY FUND- Rs 1500
ICICI DYNAMIC PLAN – Rs 1000
ICICI DISCOVERY FUND – Rs 2000

If Possible, then to the following

HDFC Equity- Rs 500
Canara Robeco Equity- Rs 500

REPLY

Hi
Kindly help
I wish to start with following portfolio- Kindly advice

ICICI FOCUS BLUE CHIP EQUITY FUND- Rs 1500
ICICI DYNAMIC PLAN – Rs 1000
ICICI DISCOVERY FUND – Rs 2000

FOR 10 YEARS
REPLY

ji,

Ur opinion about NFO of ICICI US BLUECHIP FUND…..

Rgs,
Deva

Sir,

Any suggestions about ICICI US BLUECHIP EQUITY FUND ?

sir, please suggest the top 3 ELSS … I WANT 2 DO HAVE A TOTAL SIP OF 4000 IN TWO ELSS… please suggest top 3 ELSS

Hi, I am investing 1000 through the following funds for the past 1 yr. My time horizon is 7-10 yrs. Expecting 12-14 % returns.Please review whether I can continue the SIP or need to make any changes.

Large Cap : ICICI Pru. Focussed Bluchip FUnd
Large and Midcap : HDFC Top200
Mid and Small : DSPBR Small and Midcap
Multicap : Reliance RSF Equity
Tax Saving : Canara Robeco Tax Saver , HDFC Growth.

Thanks,
Selva.

Dear TFL Team,

Many thanks to you for taking us from ground zero to making us a sought of financial literate (at least now we can think, plan & discuss what things and investment, insurance is all about).

Before reading the articles from TFL i had made a portfolio based on mine understanding & some rough idea that i collected through internet. The reason of mentioning the same is that i need some of your valuable input on that so that i can know whether i am moving correct towards mine goal or not; which will help me & mine family to be financial secure (its just a one aspect of life, there are lot of aspects there in life that needs to be taken care of). Any ways coming back to the point some 3 years back i had started investing in MF through SIP but i discontinue it as it was an ad hoc decision the portfolio was of

1. Reliance Diversified power sector fund (2,000/-)
2. Reliance Vision (1,000/-)

After some period may be near about 3 years i had closed the SIP and even though got some good returns from it.

Now coming to the important point;
Background:
Myself Amit aged 31 unmarried leaving with mine parents and aunt (all are senior citizen), bro (working @12,000/-Pm), a widow sister aged 34 with a daughter aged 8 (currently studying) sister is earning (3,000/-Pm). Mine monthly income is 20,000/-Pm.

Current Status:
All 3 of us are in private sectors & there is no ancestral property or wealth that has been provided to us, in short it is just an story of a very common man. Currently we live in our own house, no major outer liabilities as far as family is concern, nothing such as saving and all (thanks to the inflation and lifestyle). That was the period when i realized that something has to be done or else our old age along with childrens & family will be a misery.

Current Saving & Investment/Portfolio;
There is nothing as such saving but somehow after the redemption of mine earlier sip i was able to have some 3 months salary of mine as an liquid cash with me in mine saving account. Further after the same i had gain started to invest in some other MF through SIP for which i require your guidance.

As unmarried there is no short goals for me as far as i see apart from some funds to medical treatment of mine parents. My objective is to have a good corpus for me and mine family (i cant explain good as every thing is less when it comes to money). So the build up of mine current portfolio is as follows:

1.I have a term insurance from LIC of Rs. 10,00,000/- ( i had purchased last year for a period of 10 years- it was an wrong decision considering the period of the insurance thats what i feel)
2. I had a medi-claim from New India of Rs. 1,25,000/-
3. i had opened a PPF account of Rs.10,000/- Pa (2 installment has been paid)
4. I had a personal loan of Rs. 2,00,000 (6 months before which i had taken when father was admitted for paralysis and bro had met with an accident)
5. Currently total saving is invested in the MF which is as follows;

A. HDFC Top 200 Growth option (2,000/- Pm) 6 month old
B. Reliance regular saving fund equity option growth (1,000/- Pm) 6 month old
C. SBI gold Fund (1,000/- Pm) 6 month old
D. Sundaram BNP paribas mid cap (1,000/- Pm) 1 year old
E. Canara rebeco equity tax saver growth fund (1,000/- Pm) 1 year old

Hope that you had gone through such a long mail (believe me it was just to bring the clear picture of mine standing in front of you )

So after going through the mail kindly give some critical review and view on the same believe me it will more beneficial for me and mine family in longer run.

Awaiting for your reply

Again thanks and wish you good success in your endeavor

Best Wishes

Dear Hemant,

Thanks for you nice articles, which helps me to do the financial planing in a correct way. Please find my mutual fund portfolio. By looking at the portfolio, I feel the number of funds are high. Can you review this and suggest the list of fund I can hold and sell. I have some money to invest now. Can you also suggest some thematic funds I can invest and take the advantages of today’s situation.

Thanks in advance,
Sajeesh

1. Birla sunlife equity fund –
2. DSP Microcap fund – SIP-
3. DSP small and midcap fund –
5. DSP top 100 Equity fund –
6. Franklin India Tax shield –
7. HDFC Equity fund – G – SIP
8. HDFC Top 200 fund -G – SIP
9 HDFC tax saver –
10 ICICI Pru dynamic plan – G
11. ICICI pru focused bluechip equity – SIP
12 ICICI pru tax plan –
13 Reliance Banking fund –
14 Reliance diversified power sector fund –
15 Reliance regular savings fund – SIP
16 Reliance Growth fund – SIP
17 reliance equity opportunities –
18 Sundaram tax saver –

Hi Hemant,

We really appreciate the efforts that you have been putting in to advise people on their investment front.
I would like to invest 1.5Lakhs per month only for the next six months into a fund/other to get good returns after 2+ years, Can you please suggest the best one to do so.

Thanks & Regards,
Manu

Hi,

My age is 26 and I am planning to acquire 1 crore rs within 20 yrs of span.

I have started investing 2 months back. Please suggest if my portfolio is correct?

hdfc top 200 : 3000/month
dsp blackrock top 100 : 3000/month
hdfc tax saver : 2500/month
idfc premier equity : 2500/month
UTI Dividend Yield : 2000/month
Reliance MIP : 1000/month
Reliance Gold Fund : 3000/month
&
PPF : 3000/month.

So I am investing 20k per month and expecting on an avg around 12% of annual return.
Do I need to change anything wrt my perspective of 20yrs & 1crore corpus.

Thanks
Dev.

Hi Hemanth,

I am new to SIP and i want to start SIP with short term, pls help me to know which is the best SIP and even i want save tax also with sip.

pls advice.

We appreciate the efforts that you have been putting in to advice people on their investment front.
Will be glad if you can suggest me the best option for the below.

I would like to invest 1.5lakhs per month for the next six months into a good fund/others to earn a good return than the bank fds after 2+ years.
I dont mind if there is a high risk involved but can you please suggest a good fund/other for this.

Based on the inputs on the site, i zeroed down on the below two funds, can you please suggest the best option or any other for the above requirement.

SBI Magnum Emerging Busi (G) Fund
Reliance Equity Oppor – RP (G) Fund
Reliance Banking Fund (G) Fund

Unit Linked Young Star Plus II,its n HDFC policy i invest in this policy as on date 70,ooo/- as on date the fund value showing 54ooo/- please can u give me a suggestion wat to do? shell i continue r stop ? pls any one can reply n help me

Dear ,

I have started investing in
DSPBR EQUITY 1000
BIRLA SUN LIFE DIVIDENED YIEL PLUS 1000

I want to invest more upto 10000 rupees .Kindly advice which funds should be considered.

Early response will be appreciated

Hi Anil/Hemant,

I’m m(37). I have running monthly SIPs for several years in these funds: HDFC EQTY(G), Quantum Long term Eqty(G), Franklin Templeton India Bluechip(G). I have a habit of making additional purchases in these funds while the market is down by 250-300 points in a day.

(1) Does such additional purchases make sense for long term SIPs?

(2) Will it affect the long term return from the SIPs otherwise?

(3) Do you suggest to additional funds? If yes, which one would you suggest?

Appreciate for your good work and thanks for your time.

Hi All,
I am new to MFs, currently am investing 2000/month on UTI Equity tax saving plan, now i want to invest other 2000 on any other, can you suggest the best way to invest for 2 year plan , which is best growth or equity? and can i continue the present investment?
And i want to invest on Gold MFs , could you guys please guide which Gold MFs is good

HELLO
HAVE 10K WANT TO INVEST FOR SHORT PERIOD WITH HIGH RETURNS .
HELP ME TO INVEST.
THANKS

AAKASH DEV

Hi,
I do not have experience with equity. So, i needed to know instead of SIP, can i invest a bulk amount in Equity related MF as a one time investment? Will it be benificial?

dear sir

i want to invest 5000 permonth for 25 years pls suggest me

thanks

hello,
hemantji
i wants to know best child plan for invest 1000 rs per month.

hello

Sir please reply me as i m waiting for it desperately actully i want invest 8k
for tax planning for next 5 yrs.

My selected funds are

1 canara robeco equity tax saver 4000 per month

2 Franklin India Taxshield – Growth 4000 per month

is that a good choice please do let me know as soon as possible

sir i have the following mutual fund investment:
all sips-
birla mnc -1000,hdfc midcap-2000,sbi emerging bussiness-2000
icici fmcg -1000,sbi fmcg-1000,reliance banking -2000
can robecoinfrastructure-3000
icici focc bluchip-2000, uti opp -2000
icici tax saver-3000, reliance tax saver-3000

please analyse my portfolio and give your valuble comments… i am expecting 15% returns in 15 years.

Sir,
I am a student of economics as in just going to join my undergraduate programme. I am alot interested in mutual funds and it was very useful to read your article as i got to know about where to invest to get higher profits.Sir i have certain doubts and would be grateful if you could answer them.They are as follows:
1) sir the above stocks you listed are the only stocks that can give the maximum profits?
2) and if i invest in mutual funds and am not earning good profits like just 1% or 2% profits is it wise to disinvest in them and use the money for other investments till the time the markets don’t rise and become more profitable?
looking forward to your reply
thank you

Hi,
I want to invest INR 5000 per month but i am new in this era so want your guidance from where i should start off.
Could you please suggest me.

sir i have the following mutual fund investment:
all sips-
birla mnc -1000,hdfc midcap-2000,sbi emerging bussiness-2000
icici fmcg -1000,sbi fmcg-1000,reliance banking -2000
can robecoinfrastructure-3000
icici focc bluchip-2000, uti opp -2000
icici tax saver-3000, reliance tax saver-3000

please analyse my portfolio and give your valuble comments… i am expecting 15% returns in 15 years.

Hello Sir,
I am new to this field and I have deposited 80K (20K each) in

1. HDFC Equity Fund Dividend(501.6640 units)
2. ICICI Prudential Discovery Fund Dividend (1,091.0090 units)
3. IDFC PREMIER EQUITY FUND PLAN A DIVIDEND (930.3060 units)
4. TATA Pure Equity Fund Dividend (591.8480 units)

for short period (1year) expecting better returns than bank FD. Please advise if these funds are fine and please advise how to track the performance of these funds online.

Now I would like to invest 1.5lakhs into a good fund/others to earn a good return after 5+ years. Please suggest me some good funds.
Please suggest a good fund/other for this.
Thanks in advance

Hello Hemant,

Can you please advise me whether TATA RETIREMENT SAVING FUND under option PROGRESSIVE PLAN is good fund to invest for long term purposes. I m planning to start SIP from next months onwards so need your help….

Hi Hemanth

I am an NRI and would like to plan my investment of about 40 lakhs and looking at about 3 times return in 5 years time line .

Please advise/ suggest a good breakup of funds that can be from different categories.

Also I wanted to know if investing in Gold is better than Gold ETF.

Thanks and good day!

Raj

Hi,

First of all I would like to thank TFL for kick starting my SIP investment from January this year 🙂 .

Today I came across Sector- FMCG mutual fund namely “SBI Magnum FMCG Fund” which has given excellent returns over this year as well as over 5 years, but it is not ranked by CRISIL, which amused me a bit..

What is your take on the MFs of FMCG Sector? The articles on SIPs have not touched the sector based MFs. Can you give your valuable suggestions regarding these funds and whether they are worth investing.

Regards,
Anudeep

Hi,

I have demat account with ShareKhan but it does not allow to purchase any ultra short term debt fund. I am planning to invest into JM Money Manager Super Plan. What is the easiest way to do it if the demat account does not allow? I am looking at ease of exiting the fund as and when required.

Thanks in advance.

Regards,
Roberto

Sir
i read ur aritle. My income is 12000/m & i have a LIC of jeevan anand which S.A. 4lakh. I m 31 yr old and now i think invest rs500/m in MF by SIP. I shall invest in either Reliance Equity Opportunity Fund-Growth Plan or HDFC Prudence for 15ys period. Pls advise what i do??
Thanking U
Ur Regard
jiban

pls suggest some excellent mutual funds, i have a time frame of 10 years lock in period and would be interested in SIP with an investment of Rs 10000.00 per month.
thanks
sree

Hi,

I am 30 yrs old and started investing in SIP. Below are my funds.

1). Canara Rebeco Tax saver Growth – Rs. 1000 / month
2). HDFC TOP 200 Growth – Rs. 1000 / month
3). HDFC Balanced Growth -Rs. 1000 / month
4). UTI Equity Growth – Rs. 1000 / month
5). ICICI Pru Discovery Growth – Rs. 1000 / month

I am planning to invest 15 – 20 years, please advise above portfolio is okay and let me know if i need to change anything. I may increase the amount of investment in future.

Kindly advise

Hi
Hemantji and all from TFL
Thanks for the continued education on the subject- i seek a small clarification in regards to the various transaction charges that will be levied while investing in various mutual funds when one is investing through a broker.

thanks in advance

Hello Sir;
I’m 24yrs wrking boy.
I’v started SIP in ICICI Pru (MIP 5) Plan with 3000/- monthly. Just wanted to know whether its a good deal for the long run i.e 10-15 years??
I’v also started a LIC Plan Jeevan Saral with 36030 annual premium
need your comment & advice. please

Hi,

I am new to this forum and I’m much admired about the suggestion from all the senior members from this forum.

I am 33 yrs old & I need your suggestion for my goal to build good corpus fund.

These are the current investments which we both are having for long term investment.

ULIP: ICICI Prudential Life Insurance (Plan: Life Stage Assure) – 36k /PA
ULIP: Bharti Axa Bright Star plus (Plan: Growth Opportunities plus Fund) – 25k/PA

DSP Blackrock Equity Fund (G) – 1000 /pm
HDFC Top 200 (D) – 1000 / pm
Franklin India Bluechip – 2000 /pm
Birla Sun life Midcap Fund (D) – 30000 invested once
SBI Magnum Tax Gain (G) – 1000 /pm – Purely for TAX gain purpose

PPF – 36K / PA (In my wife’s name)
PPF – 60k / PA (Planning on my name)
Gold ETF – 5000 /pm (Planning to invest).

Please suggest / guide me to handle this investment whether do i require to stop any SIP / divert the fund to other fund to achieve my goal.

Hi,
i want to start investing in SIP. My initial plan in for Rs 5000 per month. Can somebody please advise me the best Funds to invest into.

Hi Hemant,

Nice to meet you.I have query about Mutual Fund is best or RD in terms of good rate of interest.

I already have Mutual Fund for Relience Gold (4000K Monthly).

Now my main purpose is not long term plan. I am looking for good returns and want to invest minimum 10k monthly may be more. Many people told me about recurring account is good for returns.

Please share your valuable suggestions.

Sarika Malik

Dear sir
This is Rajan age 26, Currently i am investing in
ppf 2000pm
Icici focused blue chip fund 2000pm
Direct equity market / sbigets 4000pm
Planning to get a sbi term plan for 1cr next month

Sir i would like to add some more investments of 4000 inr pm please suggest.
Goals:
2years- 3lakhs for my corporate mba.
5years- 5lakhs for my car
10-15 years- child education 15-20 lakhs

Hi Anil,

I need your advice on investing in SIP.

I don’t know much about funds and market.

I am planning to invest monthly 5000/- (probably in two funds) for a minimum period of 5 years.

Please suggest me the good funds which I can expect good returns.

can we stop the SIP in mid and with draw the money in case of emergency or can we switch to another fund if the current one is not doing good?

Thanks & Regards,
Satya.

I am investing following in MF through SIP.

1) Icici prudence discovery -1000

2) HDFC prudence -2000

3) Birla sunlife 95 -1000

4)Mirae Asset Emerging Bluechip Fund-1500

After 15 years will i get 25 lakhs or i need to invest more for the same . pls help.

Hi Anil kumar sir,

My Monthly SIPs are given below
I need avaluable advise from you that
Which SIPs I want to Stop ?
Please provide me some best SIP to start.
How the Weekly dividend SIP funds

Sl.No Scheme Date Rs.
1. Tata equity PE (g) from 25/11/10 500 Per Month
2. Reliance Regular (g) from 28/11/10 500 @PM
3. Sundaram select mid cap (g) from o2/12/10 500@PM
4. UTI dividend yield (g) from 20/12/1 500 @PM
5. Tata Yield (g) from 14/01/11 500 @PM
6. Birla Sun Life dividend yield plus (g) from 28/02/11 1,000 @PM
7. HDFC Top 200 (D)from 15/03/11 1,000@PM
8. Reliance Gold (g) from 18/04/11 500@PM
9. Franklin Bluechip fund (D) 18/05/11 500@PM
10. Franklin india High growth com (G) 19/05/11 500@PM
11 Reliance top 200 (g) 20/05/11 500@PM
12. SBI magnum Multiplier plus 93 (g) 25/06/11 1,000@P@PMM
13. Birla Sun Life dividend yield (g) 25/06/11 1,000@PM
14. DSPBlack Rock world mining regular (g) 25/07/11 1,000@PM
15. Kotak Mid Cap (g) 21/08/11 1,000@PM
16. Reliance Gold (g) 08/09/11 500@PM
17. ICICI providential focused blue chip (g) 20/10/11 1,000@PM
18. Reliance equity opportunity (g) 11/11/11 500@PM
19. Sundaram equity plus (g) 15/12/11 1,000@PM
20. Sundaram select midcap (g) 07/01/12 500@PM
21. Birla Sun frontline D) 12/01/12 1,000@PM
22. SBI Mag. umbrella Emerging businesses D) 16/02/12 1,000@PM
23. DSP Black rock Micro cap D) 03/03/12 1,000@PM
24. Reliance Pharma (D) 04/04/12 1,000 @PM
25. ICICI Prudential focused blue chip (g) 05/05/12 1,000@PM
26. HDFC Mid cap opportunities (D) 06/06/12 1,000@PM
27. Tata Ethical (g) 07/07/12 2 1,000 @PM
28. Reliance Infrastructure (D) 08/08/12 1,000@PM
29. SBI Pharma FMCG (D) 09/09/12 1,000@PM
30. ICICI Pridential FMCG (d) Next month I wish to join Rs.1,000 @PM

Soliciting an early reply in this regard
With best warm regards
Dr. Manu

Please advise on the SIP portfolio as under;
Large Cap
1 ICICI Prdential Focused BlueChip
2 Franklin India Bluechip
L&M Cap
1 UTI Opportunities
M&S Cap
1 IDFC Premier Equity Plan A
2 HDFC Mid & Small Cap
Multi Cap
1 HDFC Equity
2 Quantum Long term
Balanced
1 HDFC Prudence
2. HDFC Balanced
Debt
1 Franklin Short Term Income
ELSS
1 ICICI Pru Tax Plan
2 Franklin Tax shield
3 HDFC Saver

I am planning to invest 5000 pm in each, please advise the following;
Should I keep both large cap or 1. If 1 which one.
Should I keep both M&S cap or 1. If 1 which one.
Which multi cap should I keep
Which balanced should I keep
Which 2 ELSS should I keep.

In addition, I am also planning to start 2 ETF of 5000 PM each.

Please advise the best portfolio for long term investment plan.

Please advise on the SIP portfolio as under
Large Cap
1 ICICI Prdential Focused BlueChip
2 Franklin India Bluechip
L&M Cap
1 UTI Opportunities
M&S Cap
1 IDFC Premier Equity Plan A
2 HDFC Mid & SMall Cap
Multi Cap
1 HDFC Equity
2 Quantum Long term
Balanced
1 HDFC Prudence
Debt
1 Franklin Short Term Income
ELSS
1 ICICI Pru Tax Plan
2 Franklin Tax shield
3 HDFC Saver

I am planning to invest 5000 pm in each, please advise the following;
Should I keep both large cap or 1. If 1 which one.
Should I keep both M&S cap or 1. If 1 which one.
Which multi cap should I keep
Which 2 ELSS should I keep.

In addition, I am planning to start 2 ETF of 5000 PM each.

Please advise the best portfolio for long term investment plan with average risk.

Hi Hemant,
I have a 6 month old son and I want to start early to build up a nice corpus for him so that I don’t have to worry about taking care of him in my older years. So I contacted my insurance agent for advice. He showed me 2 plans: Jeevan Ankur and Jeevan Tarang with premium waiver and nomination for my child. While checking for which plan to choose and also to see if any other options can be availed, I came across your article showing Jeevan Ankur giving returns of only 1.53% (if I remember correctly). Since 3 days I have been reading a lot of your articles and I have to say you are doing a great job of not only providing information to people but also following it up with expert advice (as can be seen from the long list of comments and replies at the end of each article). Only after going through your article I had zeroed in on starting a SIP. But I am new to this and do not know the fineries. Can u please help me choose some decent investment options along with SIP so that I can fulfill what I have in mind. My age is 32. I can spare 50k minimum p.a. (it may grow as years go by) solely kept aside for my son.

Hello Sir,

I want to build a corpus of 50 lac for my son (his current age 8) in next 10 years so that it can be used for higher studies when he attends the age of 18.

I am NRI and would deeply appreciate your suggestions for investments in SIP / Mutual funds . Please advice

Kind Regards

Dear Sir,

I have SIP for HDFC Top 200 and reliance regular monthly plan.. f0r 1000/ per month… i want to invest for long term for the similar amount in different scripts..which are the good one’s.. or should i add the same in above only..
Kindly advise.

regards,

Jugal shah

Hi,
I am very new to investment through MF; recently I started investing in SBI gold (G) SIP 25000/month and SBI magnum-FMCG 10000/month (2 years). Is it a good idea or else do I need to switch MF.

Your suggestion in this regard will be highly appreciated.
thanks

dear sir,
i have the following SIPs…..
icici tax , can robeco tax, franklin tax ALL 3000 each…
icici discovery..2000
can robeco infrastructure , dspbr natural resourse & energy ….1000 each

please comment on my selection… please give your valuable suggestions….
regards…

Dear Anil,

I am 35 yrs old.. married and having 1 son of 6 years old. At present i am investing in following :-
HDFC Top 200–1000 /- per month
Reliance monthly investment plan–1000 /- per month.

I am intersted for Long terms (max-15 years)…I am planning to invest in following SIP :-

ICICI Prudential Focused Bluechip Equity–1000/- month
UTI Oppurtunities–2000/- per month
Quantum Long Term Equity–2000/- per month
IDFC Premier Equity–1000/- per month
HDFC Balanced–2000/- per month

Kindly advise whether i should go for the above .. as i am new to MF, SIP

dear sir

i m totally a new investor and my age is 30 yrs. I want to invest in mfs thru SIP. my total investment for a month will be about 7 to 8 thousand. plz suggest me with ur gr8 knowledge in what mfs should i invest. I have a longterm view of investing for 10 to 15 yrs with a bit security of my investment.

thanks

Surprising that none of these articles have a dateline or timeline. It cannot be that the statements can be true for all time. Finance status change and it should reflect a timeline !

Dear Sir,

Currently my age is 26 & my annual Salary is 5 lacs I have started following SIP’s from last 2 month. Plz let me know whether these funds are good to invest.

1. HDFC Balanced Fund- Rs 2000 per month.

2. Reliance Equity Opportunities fund- Rs. 1000 per month.

3. UTI opportunities fund- Rs. 2000 Per month.

In addition to that i am planning to start 2 more SIP’s in Large Cap & Gold saving fund. Kindly Guide me.

1. ICICI Pru Focussed Blue Chip Fund- Rs 2000 per month.

2. Kotak Gold Saving or Reliance gold saving fund- RS. 1000.

Futhur to that i am investing in Rs. 4000 per month in SBI PPF account as well as i have taken 5 lacs cover under 2 LIC policies i.e. LIC Jeevan Ananad & jeevan Saral. I am also planning to take Aego religare Term Plann of Rs. 50 lacs. I am having contigency fund of Rs. 2 lacs. I wil be helpful if you will guide me in designing my portfolio

Sir,I am a subscriber of yor news letter and also a reader of this very useful blog. Sir ,I am a regular investor of mutual fund.My experience is that there were so many top rated mutual funds which have turned to a low rated or not rated one. This problem I had to face in case of some funds which were highly rated in pre 2008 crisis.For example-JM BASIC,RELIANC VISION,ICICI INFRA etc.Will you please advice how will we manage the problem in case of present high rated funds?

Hi Anil/Hemant,
After going through the article i have decided to start SIP on a monthly in different mutual funds.I am planning ot track this every 6-9 months and review the performance.I am now 35(better late than never) and like to invest on a long term basis(10-15 years).If needed i can allocate more money into some more MF’s.Can some one please help by reviewing this.Do i need to allocate more fund to any specific MF’s?
1.HDFC Prudence(Balanced) -2500
2.IDFC Premier Equity Plan A(Mid&Small) – 2500
3.Franklin India Blue Chip(Large) – 2500
4.Quantum Long Term Equity(Multi) – 2500 or HDFC Equity?

Is this portofolio good enough?Do i need to increase the SIP amount?

Thanx in advance.

Hi Kapil/Hemant,

I want to invest 4-5K pm & the need a high return in 10 -15 years( no insurance required), please suggest in which type of SIP I should invest.

Regards

Deepak

Hi Kapil/Hemant

Please suggest some short term investment for 1-2 year. currently i am investing in
ICCI pru focused bluechip equity(1000)
UTI oppertunities fund(1000)
HDFC Top 200(1000)
kindly suggest some short term. I want to invest around 1000

Thanks in advance

Hi,

I am planning to invest in the following funds:
HDFC Top 200 Fund-Growth – 1000
IDFC Premier Equity Fund – Plan A – Growth -2000
Franklin Templeton Franklin India Bluechip -1000
SBI Magnum FMCG Fund -1000
Reliance Equity Opportunities Fund – Retail Plan (G) -1000
Please let me know if my fund selection needs any changes.
I do not have confidence in SBI, would appreciate your suggestion.
Many Thanks.
Best Regards,
Abdul Wahid Dalvi

i am ready to invest 500-1000 a month..i want huge returns after 5 years. what should i do? wich is best SIP plan? should i invest for 5 years? or after every year i should invest in some other plan?

Dear Swapnil,

I would recommend split your ammount in two part IDfC premier equty fund and quantum long term term equity fund..

quantum dont have any office PAN india, distributer or sales chnnel and direct channel with client. they have leasser expenses ratio and very strong commitment with client compare to other AMC and return is also good.

you can dirctly rech @18002093863….quantum mutual fund no need’nt to go with distributor or advisor.

beocuse you can redeem money online. Its hassle free process. both are good fund as return and assets allocation too.

Regards
sadashiv kashyap

At the very onset, i would like to appreciate your good work in bringing such knowledgeable articles and info to the masses.
I am very new to the investment world and i have just started saving some money p.m after around a year of working in a private IT firm.I need some help regarding where and how to but MFs.
I am ready to invest in 4-5 SIP plans of Rs.5000/- from 2-3 AMCs that i have shortlisted after doing some research on the internet regarding MFs.I have a salaried account with icici bank.I can easily start SIPs p.m. auto debit from that bank’s fundhouse.But for the other AMCs, i have a few queries.The queries are –
1) do i need to open savings acct with HDFC to invest in their MFs ?
2) I dont want to manage my funds from different directions, so is there a way to invest in other funds from ICICI bank ? can i buy MFs from DSP,reliance,UTI using my ICICI account.
3) Also i need auto-debit SIP for all the funds from my salaried account.Is there a way to do this?
4) Also could you enlighten me about the need for demat accounts ? (I have heard that they are not a neccessity for mutual fund investments.Then what is their utility? ) ..

Your answers would be highly helpful.

Thanks in advance.

Hello Sir,
I’m seeking your valuable recommendation regarding selection of
rightful Mutual Funds for the period of 10 years with a premium of
Rs.10,000/- p.m. My goal is to attain Rs.50 lacs on maturity.

The suggestions you’ve been mention above are the very helpfull. But
the reason of my quest is that i could get the best from you like
the way you chose your own.
Your kind and valuable recommendation or any suggestion will be
deeply appreciated.

Thank You.

Pl. send me advice which SIP is best for me for investment. I am interested to invest Rs.9000/- p.m. Presntly SIP

1) HDFC TOP200- 1000
2) birla sunlife gold etf fund-1000
3) Axis focoused fund 25 growth
4) Axis tripple advantage fund-10000 one time in 2010
5)Birla sunlife monthly income fund-1000
6)

Hi,

It has been mentioned that one needs to stop “non performing fund” SIPs.
My question is does “non performing fund” mean it is giving -ve returns or it means that it is not providing a certain “Annualised XIRR %”

For Eg:
SIP = Rs.3000 for 10 months:
Cost value=Rs 30000
Current value=Rs32500
Ann XIRR = 25%
Is this a good/average/low performing plan?

Your valuable suggestion will be highly appreciated.

Regards,
Anudeep

hi every 1…… i want your help …
as i m new to mutual fund market ..
i m investing in icici prudential focused bluechip equity fund retail per month 3000 upto around 10 year……i will invest overall 360000
how much i will get or return after 10 year approx…
it will be give me gud return or nt……………..thnx and please reply

Dear Sir,

I want to invest Rs. 2000/- per month for 10 to 15 years in mutual fund. I am new to mutual fund market and having no idea at which to invest. so I request you to suggest me the best MF plan for me.

Thanking You,
Pinkesh Tailor

Hi Hemant,

Thanks for providing a valuable insight for young investors like us who want to be cautious and also watch our wealth grow. I have been investing in mutual funds for the past 5 years and I am only looking at a long-term benefits as I believe the ‘mantra’ for mutual fund is have patience and look long-term. I wish to take your advise on my current portfolio. Sorry for the long list. I am investing 2000,1500 and 1000 per month in almost all the funds displayed below. If you can throw some good light on the what funds I need to hold and what to redeem will be much appreciated.

1002/HDFC Prudence Fund – Dividend
ICICI Prudential Dynamic Plan – Growth
ICICI Prudential Foused Bluechip Equity Fund Retail Growth
ICICI Prudential Dynamic Plan – Growth
Reliance Equity Opportunities Fund-Retail Plan Growth Plan
Reliance Regular Savings Fund – Equity Plan Growth Option
DSP BR Equity Fund-Regular Plan Growth
B299G BSL Special Situations Fund – Growth
BSL Equity Fund – Dividend
SBI Magnum Contra Fund – D
Franklin India Flexi Cap Fund – G
Franklin India Flexi Cap Fund-D Reinvest
Franklin India Flexi Cap Fund – D Payout
Franklin India Opportunities Fund – D Reinvest
Templeton India Equity Income Fund
HDFC Equity Fund-Growth
HDFC Equity Fund-Growth
B02G BSL Tax Relief’96 Fund – ELSS – Growth
B231G Birla Sun Life Tax Plan – Growth
BSL Tax Relief 96 Fund ELSS
Franklin India Taxshield-D Payout
ICICI Prudential Top 100 Fund Dividend-Reinvest
ICICI Prudential Top 200 Fund Dividend
ICICI Prudential Focused Bluechip Equity Fund Retail Growth
ICICI Prudential Top 200 Fund Growth
Reliance Equity Fund – Retail Plan Growth Plan
BSL Frontline Equity Fund -Dividend
SBI Magnum Equity Fund-D
4004/HDFC Top 200 Fund – Dividend
HDFC Top 200 Fund-Growth
HDFC Top 200 Fund-Growth
Reliance Small CAP Fund-Growth Plan Growth Option
BSL Dividend Yield Plus – Dividend
SBI Magnum Emerging Business Fund Growth
HDFC Mid-Cap Opportunities Fund
HDFC Mid-Cap Opportunities Fund
ICICI Prudential Infrastructure Fund -Growth
Reliance Diversified Power Sector Fund-Retail Plan Growth
DSP BR Natural Resources New Energy Fund – Growth
BSL Infrastructure Fund – Dividend

Thanks in advance

Hi Ram, wao multi diversified. Hemant and Anil will give you suggestion regarding Pros & Cones in your investment. but i want to know how did you manage and track all your investment?

Hi Ram,

Your portfolio needs little bit of tweaking. You have too many funds overlapping in your portfolio. You can consolidate your portfolio and restructure it and align it with your financial goals.
Most of your investment should go into Large Cap equity mutual funds. As they invest into top companies and investment is less riskier than small and mid cap mutual funds. You may divide your SIP per month investment into three parts. Maximum into large cap, then into multi cap (mix of all large, mid and small cap) and rest into small and mid cap funds.
You may also consider around 10% of investment into Gold based funds.

Remember each mutual fund on an average invest in at least 50-60 companies. If you buy 3-4 mutual funds then you are anyways going to invest in close to 100 companies overall.

Hi Saikat,
Thanks for your message. Really appreciate your suggestion with regards to my portfolio. To the best of my knowledge, I have the funds segregated in the following categories

Balanced – 1
Large Cap – 10
Diversified – 16
ELSS – 4
Small & Mid Cap – 5
Thematic Infrastructure – 4

The reason for choosing various funds is that I was just following the ‘mantra’ Not all eggs in one basket. I may go wrong with a few initial decisions but with constant monitoring and sharing of knowledge I believe I will arrive where I have planned to.

If you can suggest any good gold fund will be highly appreciated.

Regards
Ram

Dear Sir:

Need your expert advise. I have decided Rs 11k monthly in mutual funds through SIP. My goal is to accumulate around 4 to 5 lacs in the next few yrs through mutual funds for the down payment of the new house.

1. Fidelity Tax Advantage – 3k monthly (started investing in this fund few months ago)
2. I have redeemed funds from Fidelity Equity Fund and switching it to ICICI Pru Focussed Bluechip Equity Fund – 2k monthly

Also, planning to start the following 2 funds with 6k monthly

3. SBI Dynamic Bond Fund – 3k
4. HDFC Short Term Opp Fund – 3k

With my investment goal is for 3 yrs time period – I’ve chosen the above debt funds. But I think its good to have 1 large cap equity fund hence 2k for ICICI Focussed Bluechip fund + need some tax benefit as well, hence 1 tax advantage fund in the portfolio – at least I’ll get tax benefit for coming april and possibly next (until DTC comes into effect).

My questions –
1. Do you think if I can go ahead with these 4 funds in my portfolio with 11k monthly? Have I split it properly?
2. Do you think if I need to add any more fund to my portfolio? or should I swap some with any other funds that suit my goal?
3. Also, planning to add another 2k monthly for “Axis Mid Cap” fund with 5 years horizon. Would you suggest this fund in my portfolio?

So totally 13k monthly investments on mutual funds is the plan.

Please advise.

Thanks!!

Hi Tilak, your investment funds are in high risk.
Point 1. Investment in MF for 5yrs is at high risk. Analyse the Market Trench, you will notice the fund performance (high/low) under 5yrs period. who knows,your 5yrs period will be futile OR not.