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