Top 10 Mutual Funds for SIP to invest in 2013

Top 10 Mutual Funds for SIP to invest in 2013; Top mutual funds for SIP

Top 10 Mutual Funds for SIP to invest in 2013

Systematic Investment Plan (SIP) is the best route to invest small savings month on month and create a bigger wealth. Select best SIP mutual funds to invest for 2013 and start growing your wealth. Today we would discuss about these top mutual funds for SIP to invest. These Best SIP Plans / Best SIP in India would help investors to grow their money.  Though there are several good mutual funds, we have picked some of the best mutual funds in India.

What is a Systematic Investment Plan (SIP)

Systematic investment plan in mutual fund is where an investor makes regular equal investments in mutual funds month on month. There are several advantages to invest by SIP method. Through SIP investment, rupee-cost gets averaged out, market fluctuations are taken care etc. This is one of the good ways to create the wealth by investing regularly. However identification of top mutual funds for SIP to invest is a key for the success.

10 Top mutual funds for SIP to invest in 2013

We have analyzed 10 best mutual funds for SIP to invest and below is the analysis.

  1. ICICI Pru focused blue chip fund (Large cap)
  • Overview: This is one of the top mutual funds for SIP in large cap category. Crisil ranked this mutual fund as Rank-1 in large cap category.
  • 3 year annualized returns: 11.5% annualized returns in the last 3 years compared to large cap mutual fund category average of 5.1% annualized return.
  • Suitable for: This is large cap mutual fund which invests in top 20 companies in large cap domain. Any investor who is looking for long term capital appreciation and with moderate returns can invest it in SIP route. Since it invests in large cap equities, the downside is limited unless it is a bearish market. This is one of the best mutual funds in India
  1. UTI Opportunities fund (Large cap)
  • Overview: This is also one of the best SIP mutual funds in large cap category. The scheme is running for 5+ years and providing consistent good returns. Crisil ranked this mutual fund as Rank-1 in large cap category.
  • 3 year annualized returns: 11.5% annualized returns in the last 3 years compared to category average of 5.1% annualized return.
  • Suitable for: Any investor who is looking for long term capital appreciation with moderate returns can invest it in SIP route. Since it invests in large cap equities, the downside is limited unless it is a bearish market. This is one of the best mutual funds to invest in India.
  1. SBI magnum emerging fund (Mid-cap and small-cap)
  • Overview: This is one of the top mutual funds of SBI SIP for mid and small cap category. Crisil ranked this mutual fund as Rank-1 in Small and Midcap category.
  • 3 year annualized returns: 24% annualized returns in the last 3 years compared to category average of 9% annualized return.
  • Suitable for: This is Small and Midcap mutual fund which invests in mid size and small size companies. Any aggressive and high risk investor who is looking for short term capital appreciation with high returns can invest it through SIP. Since it invests in mid-cap and small-cap companies, the risk is very high. However an investment in such best mutual funds in SBI SIP creates good wealth provided the investor is willing to take the risk.
  1. IDFC Premier equity fund (Mid-cap and small-cap)
  • Overview: This is also one of the top mutual funds for SIP in mid and small cap category. Crisil ranked this mutual fund as Rank-1 in Small and Midcap category.
  • 3 year annualized returns: 16% annualized returns in the last 3 years compared to category average of 9% annualized return.
  • Suitable for: This is Small and Midcap mutual fund which invests in mid and small size companies. This scheme is running for 5+ years and is a consistent good performer. Aggressive high risk investor looking for short term capital appreciation with high returns can invest in this scheme. Again, since it invests in mid-cap and small-cap companies, these are high-risk high returns investments.
  1. HDFC midcap opportunities fund (Mid-cap and small-cap)
  • Overview: This is also one of the best mutual funds for SIP in mid and small cap category. Crisil ranked this mutual fund as Rank-1 in Small and Midcap category.
  • 3 year annualized returns: 15% annualized returns in the last 3 years compared to category average of 9% annualized return.
  • Suitable for: This is Small and Midcap mutual fund which invests in mid size and small size companies. This scheme is running for 5+ years and is a consistent good performer. Aggressive investor who is willing to take high risk for high returns can invest in this scheme. This is one of the best mutual funds in India in mid-cap segment.
  1. Reliance equity opportunities fund (Diversified)
  • Overview: This is also one of the top mutual funds for SIP among diversified mutual funds. Diversified mutual funds invest 45% to 75% in large cap stocks (as specified by Crisil). Crisil ranked this mutual fund as Rank-1 in diversified mutual funds category.
  • 3 year annualized returns: 16% annualized returns in the last 3 years compared to category average of 6% annualized return.
  • Suitable for: This is a diversified mutual fund scheme which invest in multiple sectors and majority in large cap stocks. It also invests 25% to 50% of amount in debt related instruments which provides security against the downside of the capital. This scheme is running for 5+ years and is a consistent good performer. Investors who want to diversify their risk through diversified mutual fund and take moderate risk and expect good returns can invest in this through SIP. This fund is performing consistently and we rate this as one of the best mutual fund to invest in India.
  1. Reliance Pharma Fund (Pharma)
  • Overview: This is one of the top mutual funds for SIP in Pharma and healthcare mutual funds.
  • 3 year annualized returns: 18% annualized returns in the last 3 years compared to category average of 7% annualized return.
  • Suitable for: This mutual fund scheme, invest only in Pharma and healthcare sector with no diversification in other sectors. It would be very high risk in investing such sector based mutual funds. However, Pharma and healthcare sector will grow in future. Investors looking for high returns with high risk appetite can invest in such top mutual funds through SIP.
  1. SBI Magnum FMCG fund (FMCG)
  • Overview: This is one of the best mutual funds for SIP among FMCG sector based mutual funds.
  • 3 year annualized returns: 35% annualized returns in the last 3 years compared to category average of 31% annualized return.
  • Suitable for: This mutual fund scheme invest only in FMCG sector. It would be very high risk in investing such sector based mutual funds. Investors with high risk and high returns appetite can invest in such mutual funds through SIP. However invest in smaller portion of your portfolio into such mutual funds as it is sector based fund and it can wipe off your capital itself in case the sector is not performing well.
  1. HDFC Balanced fund (Balanced)
  • Overview: This is one of the top mutual funds for SIP in balanced sector based mutual funds. Balanced funds invest 65% to 80% in equity securities and balance in debt and money market instruments. Crisil ranked this mutual fund as Rank-1 in balanced mutual funds category.
  • 3 year annualized returns: 13% annualized returns in the last 3 years compared to category average of 8% annualized return.
  • Suitable for: Balanced funds invest 20% to 35% in debt and money market instruments. Due to this strategy, even in case of any downside of investments in equity related instruments, it would get balanced and provide little downside on the capital investment. These balanced mutual funds have becoming prominent now due to its investment strategy and it would be best suitable for investors who are looking for higher returns compared to bank fixed deposits and looking for safety of the investment. It is a moderate-risk, moderate-return investment option.
  1. ICICI Balanced fund (balanced)
  • Overview: This is also a good performing mutual fund in balanced sector based mutual funds. Crisil ranked this mutual fund as Rank-1 in balanced mutual funds category.
  • 3 year annualized returns: 12% annualized returns in the last 3 years compared to category average of 8% annualized return.
  • Suitable for: Best suitable for investors who are looking for higher returns compared to bank fixed deposits and looking for safety of the investment.

Quick recap

Top 10 Mutual Funds for SIP to invest in 2013; Top mutual funds for SIP

Conclusion: Investment in mutual funds through SIP has provided good returns over the long term. However based on the risk appetite, investor can choose the best SIP mutual funds to invest for 2013. Such best investment options would help you in creating wealth.

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Suresh
Happy investing in 10 Top mutual funds for SIP in 2013

Article by Suresh

Suresh KP i.e. me have written 500+ articles on this blog. I love doing analysis and identifying the Best investment options.

857 Comments

  1. Rajesh says:

    Hi suresh
    First of all , I would like to extend my thanks for ur support nd guidance …
    Brother , actually my age is 31 y nd iam moderate risk taker Nd actually looking forward for long term investment of around 5 years or 10 years .. To make corpust amount of 50 lakh for education of my child .. How should I go for that ..as my objective to get this 50 lakh amount after 20 years….pls guide me ,thanks..

    • Suresh KP says:

      Moderate risk he can invest in large cap and balanced funds. Invest in these funds. 1) Large cap – HDFC Top-200 / ICICI Pru focussed blue chip fund 3) Balanced – You can check HDFC Prudence / ICICI Balanced fund.

  2. rk verma says:

    Sir
    I have invested 1000@ month sip in uti dividend yield fund – growth since last two years. Should I continue? Please suggest.

  3. Anil says:

    Hi Suresh,

    I get married early and i have no PPF & LIC and begginer in MF but want to investmnet 5000 per month in SIP later it will be 10000 per month,So please suggest me It is good or not if good then how to investment because i have no idea about MF and SIP.

     

    Regards,

    Anil

     

     

    • Suresh KP says:

      Anil, Open MF account with ICICI direct or fundsindia. com. Try invest in balanced funds like ICICI balancd fund or HDFC prudence fund. Then go thru MF articles and gain knowledge. You can invest 3-5 funds in next 1-2 months

  4. Srivatsa M says:

    Hi Suresh.

    I am beginner and would like to invest upto 7000 per month from now. Which is the best plan that suits me for short and long term investments ? Is it a good option if I divide the investments into more schemes ? Please suggest me.

    • Suresh KP says:

      Since you are new to investment, my suggestion is to invest in balanced mutual funds to start with. 1) Invest in ICICI Balanced fund and HDFC Balanced fund. Keep some amount into recurring deposits also. 2) Once you are familar on how mutual funds operate, you can invest in large cap funds and diversified mutual funds. 3) If you can take some risk, you can invest in top 5 mid cap and small cap funds which I have recommended. But note that you should hold them for 8 to 10 years to get good returns. You can keep tracking every month on how your funds are progressing.

  5. Arun says:

    Hi Suresh,

    I want to invest for wealth creation/retirement benefits.

    Please suggest me which kind of investment would be beneficial with max. returns.

    • Suresh KP says:

      Invest in these funds. 1) Large cap – HDFC Top-200 / ICICI Pru focussed blue chip fund 2) Balanced – You can check HDFC Prudence / ICICI Balanced fund. 

  6. shilpa says:

     hdfc capital builder fund

     

    2. L and T india value fund

     

    3. L and T business cycles fund

     

    4 sbi emerging businesses fund

     

    5 dsp small and midcap fund

     

    are these funds good…1000 per month in each fund for the next 15 yrs??

  7. nitin says:

    Hi,

    I am going to invest in ICICI Prudential Value Discovery Fund, Rs 2000 through SIP for min 5 years. Is it good option??

    Thanks for your help in advance..

  8. Prashant says:

    Hi Suresh,
       
       First of all thanks for helping us with the valualbe information about SIP.

    I am 22 year old Software Engineer. I want to invest 1000 PM into the SIP for the next 30 years and same amount for next 5 years. Which is best Mutual fund for long term investment that gives maximum benefit and less risk. I dont know any thing about MF and where do I apply for that.

    • Suresh KP says:

      Prashant, First open a mutual fund account with ICICIdirect or Fundsindia.com. Then study mutual fund articles on my site. Take atleast 2-3 months time for analysing which mutual funds suits you better based on risk appetite. Then start investing. This is good and excellent way to make money in long run.

      • Prashant says:

        Thanks Suresh for your suggestion,

        I have one more doubt, I find calculator in lots of site. I see "annual rate of interest retuns" and there are 4 types of interest 4%,8%,12%,15%. what is difference between them if I select 15% interest and 12% interest.

  9. kishaloy says:

    Hi Suresh,

                  I want to invest INR 30,000 in Reliance Small Cap Fund.I want to take maximum risk so as to get maximum return. Will Reliance small cap be a good fit for this?

    Regards,

    kishaloy

    • Suresh KP says:

      This fund was floated 3-4 years back. However it is good. But personally I would like to invest in consistent performers of more than 5+ years. I would invest in Franklin India smaller companies or HDFC Mid cap opps fund

  10. Govind says:

    Dear Suresh,

    Since from 2 years i am investing in 2000Rs in Axis gold fund & 1000 in Birla Sun Life Frontline Equity Fund -Growth-Regular Plan, and 1000 in -HDFC Top 200 Fund – Growth so please advise shall i contnue all these above or shall i remove any of these from list and shift to differnt one for long time investment arround 10 Yrs.

    and also thinking to invest another 5k so which shall be better deal to go ahead.

    Please advise,

    Govind

    • Suresh KP says:

      Hi Govind. Axis gold fund – Don’t expect too much as of now. In gold, I prefer gold ETF’s such as SBI Gold ETF etc. Other 2 funds are good. You should invest in large cap funds to get good returns in long run of 10 years. Invest in largecap or diversified funds like ICICI Pru focussed blue chip fund,BNPP Equity fund, and Quantum long term equity fund. You can pick any of these funds.

      • Govind says:

        Dear Suresh,

        Thanks a lot for suggestion.

        please advise shall I remove the funds invested in axis gold and invest in other.

        second shall I continue other 2 for long term of 10 years like birla and hdfc top 200.

        regards,

        Govind

  11. ARNAB CHAKRABORTY says:

    Hi Suresh,

    First of all thanks a lot for helping us with the valuable informations about SIP.

    I am new to this and want to invest both for long term and short term basis , i can invest between 5 to 10k per month. How many SIPs should i invest in and how much for both short and longterm?

    Thanks in advance.

    • Suresh KP says:

      Arnab, Good to hear about you. Don’t look MF’s for short term as you may not get good returns. However if you still want you can invest in balanced funds such as ICICI Balanced fund or HDFC prudence fund for 3 to 5 years period. For long term, invest in largecap or diversified funds like ICICI Pru focussed blue chip fund,HDFC Top-200, Birla SL Frontline fund, BNPP Equity fund, UTI Opps fund and Quantum long term equity fund. You can pick any of these funds.

  12. Nivedita says:

    Hello Suresh,

    Good morning !!!

     

    Myself Nivedita Married and having two kids, 10 years and 6 years each. Thinking of investing about 15000 to 20000 Rs/Month in MF through SIP for next 5 years. This investment is for my kids education.

    Please suggest on following:

    A) How many funds I should buy and why?

    B) Assuming I am high risk taker, which funds do you suggest?

    C) Assuming I am moderate risk taker, which funds do you suggest?

     

    Thanks

    Have a nice day

    Nivedita

    • Suresh KP says:

      Hi Nivedita, Good to hear about you. If you want to invest 20K, invest in 5 to 7 funds. If you are moderate risk taker, uou should invest in large cap funds and balanced funds. If you are high risk taker, add mid-cap funds to this. Invest in largecap or diversified funds like ICICI Pru focussed blue chip fund,BNPP Equity fund, UTI Opps fund and Quantum long term equity fund.  In mid-cap funds, you can add HDFC Mid cap opps and Franklin India smaller companies

  13. Sameer says:

    Hi Suresh

    I want to invest 5000 per month in multiple Mutual funds through SIP. My goal is to have some decent lump sum amount at the end of 10 to 12 years for children's education. Also some for retirement fund. I am 39 years old. Please suggest.

    • Suresh KP says:

      Hi Sameer, Invest in large cap funds for your children education and for your retirement. If you can take some risk, you can invest in mid-cap funds too. Invest in largecap or diversified funds like ICICI Pru focussed blue chip fund,BNPP Equity fund, UTI Opps fund and Quantum long term equity fund. You can pick any of these funds. In mid cap segment, you can choose franklin india smaller companies or HDFC Mid cap funds etc.

  14. Narendra C says:

    Hello Suresh,
    I am visiting your website since 5 days. The investment ideas you have explored in various categories are impressive. You are doing a good service for the society(though you are earning through this blog :-)). I am improving my knowledge on investments. Thanks a lot.
    I am planning to invest around Rs.50,000/- per month in Mutual Funds through SIP.
    As you wrote in one of your article, invest in various mutual funds instead of one fund. So i would like to invest this 50K amount in couple of funds. Please suggest some good funds that generates very good returns ( I am willing to take risk also).

    Appreciate your valuable time.

    Thanks
    Narendra

    • Suresh KP says:

      Hi Narendar, Thanks for your kind words. Since you want to invest Rs 50K, my suggestion is you should look for 5 to 7 mutual funds. Look to invest in ICICI Focussed blue chip fund, Birla SL Frontline fund, HDFC Top-200 fund, UTI Opps fund, Quantum long term fund, ICICI Balanced fund, HDFC balanced fund, HDFC Midcap opps fund,  ICICI Pru discovery fund etc.,

  15. Bhaskar says:

    Dear Suresh,

    Thanks for the valuable suggestions. I am planning to start investing for my kid's education(mainly higher) who is 2 year old at this time. I can invest upto 5K per month. Please suggest me whther I should start investing in SIP or do an FD.

    Also I started an SIP of 5K in a fund SBI Magnum Midcap Fund(G). Please suggest if it is good  fund or I should switch to some thing else after 12 installments. I can plan to keep investing 5k long term.

    Thanks and Regards,

    Bhaskar V.

     

     

    • Suresh KP says:

      Hi Bhaskar, You have selected good fund. Stay invested. You can add large cap funds like ICICI focussed blue chip fund or HDFC Top 200 or Birla SL Front line funds. These can provide good returns in long run.

  16. pramod says:

    sir want to invest rs 30000 for 10 year which fund is good for this

    • Suresh KP says:

      Hi Pramod, Good day. You can invest in large cap funds like ICICI focussed blue chip fund or HDFC Top 200 or Birla SL Front line funds. These can provide good returns in long run.

    • Sri says:

      You mean 30,000 every month via SIP or one time investment? If it is one time investment then invest in liquid or ultra short term fund and do STP to ICICI focussed blue chip fund or HDFC Top 200 or Birla SL Front line funds.

  17. Rajesh Vyas says:

    Hi,

    I want to invest Rs.10000/- PM through SIP. Please tell me good funds to create my portfolio for getting good return after 5 years. Also let me know approximately how i would get after 5 years if i invest Rs 10000/- PM from now onwards.

    Regards

    RAjesh

     

    • Suresh KP says:

      Hi Rajesh, Invest in largecap or diversified funds like ICICI Pru focussed blue chip fund,BNPP Equity fund, UTI Opps fund and Quantum long term equity fund. You can pick any of these funds.

  18. NAGENDRA says:

    Dear Suresh,

    I am planning to invest RS 2000-Rs 3000 per month. I don’t have idea of SIP. I am planning to invest my money in RD. So which back will give more Interest? And I am Planning to invest  some amount in SRIRAM Investments. What is Your Suggestion? And could you tell me which Maxine You are giving suggestions

    Dear Suresh,

    I am planning to invest RS 2000-Rs 3000 per month. I don’t have idea of SIP. I am planning to invest my money in RD. So which back will give more Interest? And I am Planning to invest  some amount in SRIRAM Investments. What is Your Suggestion? And could you tell me which Maxine You are giving suggestions

     

     

  19. sriram says:

    hi, suresh
    iam investing in sbi fmcg mf, direct, dividend plan thru sip 2500 pm since 1 year. as by next month sip going to an end.
    should i renewal this or withdraw my money from it??
    why the fund is not paying dividend..

    • Suresh KP says:

      Sriram, FMCG sector is not doing well. Please exit. 

      • Sriram says:

        ok. thanks for your advice. i ll exit this month as my sip going to an end. now i want to invest lumpsum 30k. my options are sbi pharma fund or reliance pharma fund for 1year.
        your advice is appreciated.
        thanks,
        sriram

        • Suresh KP says:

          Sriram, Don’t invest lump sum that too in Pharma which is high risk, try investing in liquid or debt fund and do a switch to pharma or any other funds.

  20. Prabhakaran says:

    Hi, Suresh

    I am 23 years old and i can save Rs.1000 pm. As i am new to this cenario pls help and suggest me some ideas to get started. Any suggestion would be a great help….

    • Suresh KP says:

      Prabahkar, Start investing in balanced mutual funds like ICICI Balanced fund or HDFC balanced fund. Once you are familiar, you can look for other mutual funds too.

  21. amar says:

    Sir which is better investment in SIP or TN power finance fd

    • Suresh KP says:

      Amar, TN Power finance FD is one time investment where you would get fixed income, your returns are limited. However this can be used for 3 to 5 years tenure. However SIP is monthly investment and there are higher chances that you would get double digit returns for long term of 8 to 10 years.

  22. sandip patel says:

    Dear Sir,

    Good evening. I am following your blog since last one year. You are doing great jog. Currently i having SIPs in the following funds: icici pru focused bluechip fund, uti oppo fund, hdfc mid cap oppo. fund, rel eq oppo. fund and rel pharma fund. All are growth plan. Now  i have some cash in my hand and i want to set up STP in some equity fund. The funds i have choosen are: ici pru discovery fund, hdfc balanced fund and rel reg saving fund- equity. I want your suggestion for choosing the source fund for the above mentioned fund. Which one is good: debt or liquid fund? Please suggest some good debt or liquid fund as source fund for my STP. Also give your comment on my SIP fund selection and STP fund selection. Waiting for your reply. Thanks in advance.

    • Suresh KP says:

      Sandip. You have chosen good funds. Regd STP, you can consider either of them (Liquid or debt). However if you consider debt fund, consider short term debt funds. You can refer our articles where I gave top 10 debt funds.

  23. Sushil says:

    Hi,

    Can you please suggest best Debt fund to invest?

    I want to invest 3 Lkh in good debt fund to get maximum return.

    Regards

    Sushil

    • Suresh KP says:

      Sushil, There are several debt funds, however the returns in last 1-2 years are not that good. If you still want to invest, you can look for SBI dynamic bond fund or IDFC dynamic bond fund

  24. Vinoth says:

    Hi Suresh,

    I am 25 yrs Old. I wanna to start SIP for 10~20 yrs. i can invest 10k~20k per month. Is it good to start? I am looking higher return. Please suggest good investment plan.

    Regards,

    Vinoth

    • Suresh KP says:

      Vinoth, Yes it is good to start. However if you are new to MF world, start low in MF and invest in large cap mutual funds. You can start with Rs 5K per month for next 3 to 6 months. Once you are familair on how such funds run, you can invest majority of amounts in MF’s in various categories of Mutual funds. You can look for large cap, mid-cap/small cap and diversified funds.

  25. Puja says:

    Hello Suresh,

    Thanks for sharing such useful information.

    I am looking to invest lumsum amount of 3L to 5L for 1 to 2 years. Is ICICI Prudential Balanced fund okay to invest such big amount. Can you please suggest any other mutual funds for lumpsum amount investment.

    Thanks in advance.

    • Suresh KP says:

      Hi Puja, MF’s are generally meant for long term investment. If you are looking for 1 to 2 years, invest only in debt related funds. Though balanced funds are also ok to some extent, but due to market condition after 2 years, they may provide very less returns. Invest in debt funds like SBI Dynamic fund or IDFC dynamic bond fund or any other debt fund

  26. jagdish says:

    Hi sir. I m a defence person working since 7 yrs. I m going to b retire after 8 yrs at d age of 34 yrs. Presently i m investing 13 k in my pf per month. Other den dis i can invest 10k per mth. So pls suggest me which plan r better fr me to get a gud return aftr 8 yrs. I m nw here. Waitng fr ur advice.

    • Suresh KP says:

      Hi Jagdish, Since you are doing to retire in 7 years, you should not be taking risk. My suggestion is to you is you should invest in bank RD only. If you still want to take some risk, invest in balanced mutual funds like ICICI Balanced fund or HDFC balanced fund. Beyond this you can also invest in post office recurring deposit which are also safer.

  27. Santosh says:

    Hi  Suresh,

    Shall i stick to SBI Magnum FMCG fund , for past 8 months i have a SIP of 3000 but it is not performing well it seems .Please advise

    regards

    Santosh

     

     

    • Suresh KP says:

      Santosh, Look at the performance of 3 to 5 years. You should invest. However invest in smaller amounts as this is sector based fund which is high risk

    • Dinesh Shirvaikar says:

      Hi Santosh,

      Firstly, it is not advisable to measure the performance of a MF over a short period of 8 months.

      Secondly, u have chosen a sector fund which as Suresh has rightly pointed out is high-risk. You have't mentioned if u have other diversified funds or this is your only fund. If it is the only fund, then it is certainly not advisable. As a retal investor, u should stick to well diversified MFs ideally multi-cap ones which will free u from the trouble of tracking stocks across market caps.The fund manager will do it for you.

      If u still wish 2 stick to SBI FMCG fund, continue it for a 5-year period and then see where u are.

  28. Sameer says:

    Hi Suresh ,

    Hope you are doing good.

    I am thinking to invest montly 10 to 12 thousand in SIP plans . My Goal is to get a good returns after 5 years . could you please suggest me the Best SIP with good returns

    Regards

    Sameer Dokuparthi

    • Suresh says:

      Sameer, You can choose any of the funds indicated here. I am also posting some top-10 funds in tomorrow’s article, just check and let me know in case you have further query.

  29. ALAM says:

    DEAR MR SURESH

    I AM VERY THANKSFULL FOR YOUR SUPPORT PLEASE SEE MY PORTFOLIO IF OK PLEASE REPLY ME IF NEED CHANGES

    1.ICICIC PRU FOCUSED BLUCHIP G  2000 

    2.ICICI PRU TECHNOLOGY FUND G 1000

    3.QUANTUM TAX SAVING FUND G    1500 INVESTED WITHOUT SIP

    4.HDFC BALANCED FUND G            5000 INVESTED WITHOUT SIP

    5.SBI EMERGING BUSSINESS FUND G 5000 INVESTED WITHOUT SIP

    6.UTI EQUITY FUND G 5000 SAME

    7.RELIANCE EQUITY OPP FUND G  5000 SAME 

     

    I HAVE PLAN TO INCREAS EVRY MONTHS AMOUNT ON EACH FUND .SO PLEASE REPLY ME THATS GOOD FOR ME I HAVE A GOAL TO ACHIVE 15% RETURN AFTER 20 YEARS.

    THANKS 

    ALAM

  30. Archana says:

    Dear suresh,

    I wish to invest in sector fund catagory. Which one may produce better results in future? Past 10 years performance vice  pharma and FMCG are good. In future sir?

    • Suresh says:

      Hi Archana, I like Pharma sector as it is giving consistent returns. IT is also good for now, but stay only for 1-2 years. Pharma you can invest for next 3 to 5 years.

  31. Aruna says:

    Dear Suresh

    Which Investment is better: Recurring deposit or SIP, which gives good returns?

    Thanks in Advance

     

     

    • Suresh says:

      Aruna, it depends. If you are low risk taker, invest in RD. You can expect only 8.5% to 9%. However through SIP you can expect 11% to 13%, however they carry risk. You cannot withdraw just like that. You need to invest for long term for 8 to 10 years to get these returns which I indicated. Net summary, if you are low risk taker and need money for short term or any time, RD is better, else SIP in mutual funds are better.

    • Pooja says:

      Dear Suresh,

      I am 23 yrs old and have just started a job and am wanting to know how should i go about planning my finances..I usually am able to save around Rs. 1000-2000 pm.I would really appreciate if you could help me the same…

       

       

      • Suresh says:

        Hi Pooja, Good to hear that at young age you are planning for savings. My suggestion is to start with a recurring deposit and invest Rs 1,000 per month. Keep reading our mails on mutual funds and open a SIP for Rs 500 in each mutual fund. Open two mutual fund SIP’s like ICICI Pru focussed blue chip fund or HDFC Balanced fund. Once you are familiar, you can keep adding some more funds to your portfolio. Happy investing !!!!

  32. bala says:

    Dear suresh,

    Presently i invested in SBI-FMCG-1000 Rs,HDFC-Midcap opportunities-1000Rs, ICICI balanced advantage fund-1000Rs. Every year i can add atleast 1 SIP scheme and increase my investment also based upon my salary appraisal. I planed to invest appoximately 13 yrs. Because i need more amount at that time. Am i in a correct track?

    • Suresh says:

      Yes Bala. Alternatively you can increase the SIP value once you reach 5 to 7 funds as investing in more funds would be difficult to track.

      • bala says:

        Dear Suresh,

        Thanks sir. I have one two doubts. Presently i received bonus amount (20000). Shall i invest it in lumpsum mutual fund or add one more SIP sir? I throught to invest in UTI opportunities or Franklin bluechip fund or Axis equity? Which one may give better results? In current situation lumpsum or SIP? Kindly guide me sir!

        • Suresh says:

          Hi Bala, I always prefer SIP. You can choose any funds out of them. I prefer Franklin Bluechip as first priority among three.

          • bala says:

            Dear Suresh,

            Thanks sir. Surely i will start 1000rs SIP for Franklin Bluechip fund.I assigned my mutual fund portfolio is one fund from large cap, one from small and midcap, one from balanced, one from sector oriented fund. Is this correct method sir? If i have add onemore fund in future means which side i have to choose? I will wait for your reply.

          • Suresh says:

            Correct. It depends which MF you want to add in future. If you are young age and high risk taker, add in large cap and midcap/small funds. If you are married and with kids, add SIP MF in future in balanced fund.

  33. amit says:

    Sir I want to invest 2000 monthly in ICICI blance fund.are this available in ICICI bank or how much time is good for good return please suggest sir

    • Suresh says:

      Amit, You should invest atleast 5 to 8 years if you want to invest in such balanced funds to get good returns. You can expect between 10% to 13% returns per annum.

  34. Sandip patel says:

    Dear Sir,                                                       First of all thank u very much for doing such a great job of educating people like us about personal financial planing. I am following your blog since last ten months. Your articles are very informative and useful. Now coming to the point, I am investing in the following funds through sip route. I want your suggestion. Is my portfolio is good or need any correction?  These are for my daughter education and her marriage. The funds are: icici pru focused blue chip eq fund- Rs 2000, uti oppor fund- Rs 1000, reliance eq oppor fund- Rs 1000, reliance pharma fund-Rs 1000. All are direct plan with growth option. Apart from this, I have a term plan of Rs 50 lacs of HDFC C2P and a PPF account. So pl give your comments on my planing. Eager to know your response. Thanking u in advance.

    • Suresh says:

      Sandip, You have chosen good funds. Have a great day

    • Dinesh Shirvaikar says:

      Hi Sandip,

      Good to see that u have started thinking about aspects of FP other than investment also.

      However, 50L term cover today may not suffice after say 10-20 years due to the effect of inflation. As a thumb rule, u should have a cover of 10-12 times ur annual income. U can decide the cover based on this.

      In your portfolio, there is a sector fund, which in my opinion, is risky. As a retail investor, u should leave the job of choosing sector and stocks within it to the fund manager. A fund manager of a good diversified MF will surely do this job for you. And remember there is no one sector which will do well over 15-20 years, there  will be a continuous churn after every few years to newer sectors. Since u are already into some well performing diversified funds, u don't need a specific sector fund. As I said leave that job to the fund manager. Stop the SIP in the Rel. Pharma fund and instead move that money to the Eq. Opp. Fund of Reliance. If u don't want to do that, add a complementary fund such as a Mid-cap fund which is missing in your portfolio. Go for either IDFC Premier Equity or HDFC Mid-cap Opp. in place of the Pharma fund.

  35. Arnab Chatterjee says:

    Hi Suresh,

    Hope you are doing well. I have one question as far as choosing between two different balanced mutual funds is concerned. I'm a bit confused while choosing the balanced fund for me since I'd like to invest by SIP investment. Two I've finalised, one is ICICI Pru Balanced fund Growth & Another one is ICICI Pru balanced advantage fund. But I can invest in any of these two, kindly guide me and help me out , where should I invest and what's the difference between these two. I'm not very familier with mutual fund investment though. Awaiting for your valuable reply.

    Thanks

    • Suresh says:

      Arnab, w.e.f. 1-Nov-13, ICICI Volatality advantage fund was renamed to ICICI Balanced advantage fund and shifted to balanced fund category. The objectives also got changed for this fund. But my suggestion is to invest in ICICI Balanced fund as other one should get stabilised due to change in the fund objectives. 

  36. purna says:

    Hi Suresh sir, i want to add  mid & small cap funds to my portfolio along with large cap, please suggest good funds in above category to invest throguh SIP, what is your suggestion on Birla Sun Life MNC Fund (G), Mirae Emerging Bluechip Fund (G), 

  37. ALAM says:

    DEAR MR SURESH THATNKS FOR HELP US.NOW MR SURESH I WANT TO KNOW SOME SCHEME WHERE I CAN GET MORE PROFIT IN SHORT TIME 3 YEARS PERIOD SO CAN YOU HELP ME FOR INVESTEMENT I WNAT A GOOD RETURN ON MY AMOUNT WITHIN 3 YEARS.

     

     

    • Suresh says:

      Alam, If you are looking for a tenure of 3 years you should invest in debt funds like SBI Dynamic bond fund or IDFC Bond fund or hybrid funds like ICICI Balanced fund and HDFC Balanced fund.

  38. Debiprasad Ray says:

    Hi Suresh,

    I have some investments like LIC, PPF, ULIP etc now I want to start investing in SIP as this gives me tax benifit as well as it grows my money. As a beginer i am looking at long term (10 to 15 years) as well as short term (3 to 6 years) investments.  Can you please guide me in this. I want to invest around 6 to 7 thousand in different funds. 

    Thanks,

    Debiprasad Ray.

  39. rajeev says:

    Hi,

    I wanted to invest in the Mutual Fund through SIP. The total amount which i am willing to invest is 5-6K per month. How i can distribute the amount and which all plan i can select. i am looking to invest some on short term policies (5 years) and some on Long term policies (10-15 years). Kindly suggest for the same.

    Thanks

    Rajeev!!!

    • Suresh says:

      Rajeev, For 5 years invest in balanced funds like ICICI balanced fund or HDFC balanced fund. For 10-15 years invest in large cap funds, diversified and mid-cap funds.

  40. Kishore says:

    Hi,

    I want to invest in the below mentioed Mutual fund for atleast 15 years through SIP. please let me know are these are good mutual finds to invest or not and also suggest me the good SIP mutual fund

    ICICI Pru Focused Bluechip Eqty                              largeCap 1000
    Birla SL India GenNext       Diversified 1000
    ICICI Pru Exp&Other Services-RP     Diversified 1000
    ICICI Prudential Balanced Advantage Fund    balanced 1000
    UTI Pharma & Healthcare Fund – Income or SBI Pharma Fund G divident 1000
    SBI Magnum emergng fund      MidCap  1000

    Thanks,

    kishore

    • Suresh KP says:

      Hi Kishore, All are good funds. However you should hold sector funds like UTI Pharma and ICICI Pru exports fund for limited period. Sector may or may not grow in such long run of 15 years. Please keep a close watch on such funds and exit at right time. Keep watching this blog and I can anyhow would advice at appropriate time

  41. Goutam Mahata says:

    Sir I am Planing to invest in the following funds through SIP

    1.HDFC BALANCED(G): 2000/Month

    2.HDFC TOP 200 (G):1000/Month

    3.SBI ENERGING BUSINESS(G):1000/Month

    4.SBI MAGNUM GLOBAL: 1000/Month

    5.SBI PHARMA (G):500/Month

    Please suggest are these good or not? Should I change my portfolio?

  42. chandra says:

    Hi Sir,

    how to invest in sbimf online, when i trying to click invest online option it ask for folio number… i cant understand… is it possible to invest online on any mutual fund websites, if so what is the procedure?

  43. Priyajit says:

    Hi suresh…wish u avry vry happy new yr.I have been following ur bolg for more than 8 mnths now & I will grateful to u for making me a liitle bit literate ab finanacial planning.During the last 8 mnths i have done the following investments as per ur guidance.Plz review my portfolio & comment

    1.Opened PPF a/c & invested 1,00,000/

    2.Started  following SIPs-

    i) ICICI Pru Focuused Bluechip Direct(G)- 2000/ on 7th of each month

    ii) IDFC dynamic bond fund(G)-1000/ on 10th of em

    iii) SBI Pharma Fund Direct(G)-1000/ on 15th of em

    iv) UTI oppotunities fund Direct(G)- 2000/ on 25th of em

    3. Stared SEP in SBI GETS of 1 unit on 22nd of em through ICICI direct.

    4. Invested 80,000/  in HUDCO tax free bond 

    5. Invested 30,000/ in PFC tax free bond.

    Now i want to start two SIPs,one each in small/mid cap & balanced fund.Plz suggest me 

    • Suresh KP says:

      Priyajit, Fund selected are good. Yes you are making good diversification by investing in various tax free bonds too. You can look for ICICI Balanced fund and any mid-cap fund like ICICI Pru discovery fund etc.

  44. ALAM says:

    DEAR MR SURESH I AM VERY THANKSFULL FOR YOUR ADVICE

     

    NOW I AM INVESTING IN

    1.ICICI PRU FOCUSED BLUCHIP G   2000/MONTH

    2.ICICI PRU TECHNOLOGY G           1000/MONTH

    3.RELIANCE EQUITY OPPORTUNITY 1000/MONTH

    4.SBI FMGG FUND                             1000/MONTH

    5.UTI EQUITY FUND G                        1000/MONTH

    THAT IS OK FOR ME OR NO MY AGE IS 35 AND I WANT TO INVEST MORETHEN 15 YEARS.

    THNAKS

    ALAM

    • Suresh KP says:

      Alam, You can invest in these funds. One thing is about ICICI Pru tech fund. Due to rupee appreciation and US economy growing, all Tech stocks have been performing well. This may or may not continue. Instead of tech and FMCG, try to invest in Pharma sector which is every green. 

  45. Janani Parameswaran says:

    Hi Suresh,

    Thanks for your useful articles.. I am a CWA plus persuing CS final and my current CTC is 5.3 Lakhs pa. Age-23

    I can save about 10K per month..  Please could you suggest plans for Investments, preferably tax free, both in long and short run..

     

     

    • Suresh KP says:

      Hi Janani, If you are looking for tax free investments, you should invest in equity mutual funds where the returns would be tax free after 1 year. You can look to Invest in largecap or diversified funds like ICICI Pru focussed blue chip fund,BNPP Equity fund, UTI Opps fund and Quantum long term equity fund. You can pick any of these funds. You can also invest every year in PPF so that you can get 8.5% returns tax free. There are several tax free bonds being issued in last 3-4 months. Pick-up few of them to invest. 

  46. Debasish Mondal says:

    Dear Sir,

    Thank you very much for your artcile. I have planned to invest following funds in monthly basis via SIP, can you Please check and give your suggestions:-

    1. SBI Emerging Businesses Fund (G) – Rs.1000/- monthly or MAGNUM EQUITY FUND – GROWTH – Rs.1000/- monthly

    2. MAGNUM SECTOR FUNDS UMBRELLA – FMCG – DIVIDEND – Rs.1000/- monthly

    3. HDFC Balanced Fund – Rs.1000/- monthly

    4. HDFC midcap opportunities fund – Rs.1000/- monthly 

    I would like to invest for 5-10 years to get good returens. Can you Please suggest with your helpful opinions.

    • Suresh KP says:

      Debasish, Invest in SBI Emerging fund, Instead of SBI FMCG Dividend, invest in SBI FMCG growth fund. Other two are good. However you are investing in high risk funds + 1 balanced fund. It would be riskly to invest majority in mid-cap/sector funds. Try to invest in large cap and diversified funds too.

  47. kishore says:

    Hi Suresh,

    Thanks for your valuable inputs you are giving to all of us.

    I have started two SIP plans last week and want to invest for 15years

    1) HDFC Top 200 Fund (G) –2000/Month 

    2) HDFC Mid-Cap Opportunities Fund (G)—3000/Month

    Please let me are these are good or not, and suggest me the best SIP Plans to invest 5000/month  more for coming 15 years.

    Thanks,

    kishore

     

     

     

     

     

     

     

     

    • Suresh KP says:

      Kishore, Both are good. However you are investing 40% in large cap and 60% in mid-cap. Means you are moderate risk to high risk investor. I hope you are aware, else you can change the value of the investments to match your risk appetite.

  48. Smeet says:

    Dear Sir,

    Your blog is too good. I have no words to explain. I hope you will revert my query also.

    I am 27 Yr old and should I continue invest in following fund with SIP?

    1) Birla MNC – 2000

    2) SBI Emerging Business – 2000

    3) Reliance Pharma Fund – 1000

    4) Reliance Equity Opportunity – 1000

    5) RD @ 9.25% HDFC – 5000

    Is it good investment or should I change ? I also want to invest more 10 to 15 k / month .What should I do?

    Please suggest sir.

    Regards,

    • Suresh KP says:

      Smeet, Your portfolio is more of sector fund + diversified fund. Yes since you are at young age, you can take risk and invest it. But add some flavor of Franklin India blue chip fund or Birla SL Frontline or HDFC Top-200 fund or ICICI Focussed blue chip funds. These are in large cap segement and provide good returns in long run.

  49. Anupam says:

    Dear Suresh,

    Happy new year.

    Inspired from your article, I have decided to invest in MF. I can invest a maxmum of Rs. 10000 per month. I am a moderate risk taker.

    I have already started SIP in the following mutual funds.

    1. ICICI Pru Focused Bluechip Fund (Large cap): Rs. 1000.00

    2. Franklin India Bluechip Fund (Large cap): Rs. 500.00

    3. UTI Opportunities Fund (Large Cap): Rs. 800.00

    4. SBI Emerging Businesses Fund (Small & Mid Cap): Rs. 700.00

    5. ICICI Pru Export and other Services fund (Diversified fund): Rs. 1000.00

    6. UTI mnc fund (Diversified): Rs. 600.00

    7. Reliance equity oppor fund (Diversified): Rs. 10000.00

    8. Birla SL India GenNext (Diversified): Rs. 1000.00

    9. ICICI Pru FMCG fund (Sector fund): Rs. 1200.00

    Total: Rs. 7800.00

    Now I am thinking to start SIP Rs. 1000.00 each in FT Feeder fund- Frankline US opprotunities Fund (fund of fund) and ICICI Pru Balanced fund (Balaned fund).

    Kindly look at my portfolio and give your valuable suggestions. Do you think, should I increase my investment amount in Large cap catagory.

     

    • Suresh KP says:

      Hi Anupam, Your portfolio is good. It contains large cap, diversified, midcap and sector baed funds. ICICI Pru exports is little high risk, but it would balance in your entire portfolio. Even FT Feeder fund is high risk fund. You can review whether you want to keep this in your portfolio. Since you have variety of funds in your folio, it can provide good returns in long run. 

  50. Kannan says:

    Happy new year Suresh.

    Shall we invest in Liquid funds say “ICICI Prudential Liquid Plan (G)” and do systematic transfer as SIP?

    The reason I am asking is, I do not want to set commitment of regularly paying as a SIP. Instead I can do one time investment in a Liquid fund and do STP to one of the funds you have suggested. Is it a good idea or not?

    Let me know your opinion.

  51. Sandeep says:

    Sir,

        I want to know about ING Guaranteed Income Insurance Plan. ING is saying that it will give 11-13 % interest. Is it good plan. Please tell a good plan that gives guaranteed return.

  52. Ram says:

    Thanks a lot for your recommendations. I would like to know about redemption of SIP investments. Let's say, I am investing monthly on one of the schemes from Jan.2014 to Dec.2014 which has exit load of 1% (if we redeem within one year). And we decide to exit from that SIP on Jan. 2015.

    a. Shall I redeem on Jan. 2015 without any exit load or I can redeem only on Jan 2016, as the last payment I made is only on Dec.2014.

    b. or Shall I redeem everymonth starting from Jan 2015 for the units i bought starting from Jan. 2014. (without any exit load)

    c. or do you use STP to transfer the money monthly to another SIP. If we can use STP, shall we start from Jan. 2015

    Thanks

    • Suresh KP says:

      Hi Ram, One year should be completed for each and every monthly SIP investment to redeem without exit load. Yes you can use SWP (Systematic withdrawal plna) and with draw every month after completion of one year from SIP scheme starting. 

  53. chandra says:

    hi Sir, I want to invest for short term i.e., 3 to 5 years which one to choose.. sbi dynamic bond and idfc dynamic bond fund are not doing good, is it safe to for above two funds..

    • Suresh KP says:

      Chandra, You should not look for 6 months performance. Yes these are underperformers for the last 6 months, however they performed well in 3 to 5 years period. You should consider them.

  54. Sri says:

    You are so helpful. You are putting your effort to show us the best funds. Thanks a lot.

    1. Is the list applicable for investments in 2014 too? Or do you have a separate list for 2014? I saw the midcap/small cap recommendations, but not the list for other categories. Hence I am asking this question.

    2. I made an invement of Rs.10K last year on UTI banking sector fund, as few of my friends suggested me The current value is Rs.8.5K :( Do you think any hope for banking sector fund on 2014 or shall I withdraw now itself?

    Thanks again.

    Sri

  55. jagdish says:

    hi sir,                    

    i started  two sip's since feb 2010 in sbi comma and sbi contra. the amount is 1k & 2k per month respectively. due to bad return i stopped these sip's in apr 2013. till today i m getting my invested amount. (a) shoud i redeem these? and pls suggest me where should i invest in future. i can invest 6000 INR/month.    

    (b) since nov 2008 i m investing 2000 INR/month in icici life time gold policy. and the profit is nearly 10000 INR. should i continue this? (the policy time is 10 yrs. )                                                                            

    • Suresh KP says:

      Jagdish, 1) Please exit them and invest in large cap funds like ICICI Pru focussed blue chip fund or Franklin India blue chip fund 2) ICICI Life time gold policy is ULIP. You know what is happening with ULIP’s. Since you have invested in it, continue to stay and do not come out else you would incurr loss.

  56. Manish says:

    Hello Sir,

    I am looking forward to 10000 inr/month in MF for long terms, 10 years.

    As per blog and your recommendation on peoples comments

    I have shortlisted following

    1) Frankilin India blue clip / ICICI Pru Focussed blue chip – 2K

    2) Quantum LT Equity Fund (G) – 2K

    3) ICICI Pru Discovery Fund-Reg (G) – 2K

    4) HDFC Mid-Cap Opportunities Fund (G) – 2K

    5) Reliance Pharma Fund– 2K

    Please advise me.

    • Suresh KP says:

      Manish, You have selected good funds in Large cap, Mid-cap and Sector based fund. 40% in large cap and another 60% in others. I hope you are moderate risk taker to high risk taker category ? If you want to go for less riskier, just reduce the amounts from midcap/sector funds and increase your investment in 1, 2 MF’s.

  57. surender says:

    hi. i am investing 1000per month in

    1)franklin blue chip

    2)canara robeco equity diversified

    3)franklin tax shield 4)canara robecoequity tax saver from sepember onwards….kindly review performance of funds i selected for +5 years investment.

    • Suresh KP says:

      Surender, FT blue chip is good. Canara robeco equity diversified is average fund. You can review and exit appropriately. Other two are tax saving mutual funds which are good for 3 to 5 years term.

  58. Johnson says:

    Dear Mr. Suresh,

    Thanks for your vaulable service.

    I can earn surplus of 2,00,000.00 per month for next 12 months, pls advice where i can invest bcs am planning to purchase property by end of 2014.

     

    • Suresh KP says:

      Hi John, Investing every month for next 12 months would be very short. I would advice you to go for RD or you can invest in ultra debt mutual funds. However MF’s may involve slight risky if you want to withdraw money exactly by 1 year. I personally prefer to invest in RD to get assured returns instead of taking small risk for such short term option.

  59. Avinash Bm says:

    Hi suresh. Let us know the procedure to start sip directly with mutual fund house.

    • Suresh KP says:

      Hi Avinash, You should visit respective mutual fund website directly and click on SIP section and “Direct Plan” option. However pls note that you should do KYC norm yourself. The process would be written on the mutual fund house website where you are planning to invest

  60. chandra says:

    hi sir, What is the difference between ICICI Prudential Focused Bluechip Equity Fund – Regular Plan – Growth, ICICI Prudential Focused Bluechip Equity Fund – direct Plan – Growth

    • Suresh KP says:

      Chandra, regular plan is where you invest thru broker. You need to pay transaction charges. Direct plan is where you directly invest in scheme without broker. Your returns would be higher by 1% to 1.5% in this.

  61. Santosh says:

    Hi Suresh,

    I have invested in SIPS since past 8 months – 50% towards (large, mid cap funds) like frankilin india blue chip, HDFC top 200, uti opp, and rest 50 % in sctor based on funds (like reliance pharma, SBI FMCG) etc-   except FMCG , all other funds have provided few gains as of now. So wanted to know should i re-look at my portfolio and change some funds .or generally what is a good interval to revisit a portfolio and change funds if any and what are the important criteria to look for when changing  funds ?

    Thank you for all the support you provide.. Appreciate it.

    regards

    Santosh

     

     

    • Suresh KP says:

      Santosh, Funds selected by you are good. Sector funds are high risk, high return investments, hence you should look at industry growth every 6 months. In case of any negative growth, you should come out. Otherwise if you are investing in large cap or diversified funds, you can re-look at them once in 2-3 years to check that you invested in right funds.

  62. ALAM says:

    I AM VERY THNAKSFULL FOR  YOUR ANS I WANT TO KNOW THAT FUNDSINDIA  AND FUNSUPREME IS GOOD FOR INVEST OR DIRECT IS BETTER.AND PLZ GIVE ME SOME FUNDS NAME FOR LARGE CAP I WANT 15 YRS INVEST BY SIP.PLEASE SUGGEST ME FUNDS.

    • Suresh KP says:

      Alam, I know Fundsindia.com and many readers given good feedback investing in MF thru them. I do not know fundsupreme. If you want to invest directly in MF, there are certain procedure to be followed on your own instead of going through broker. The returns would be 1% higher if you go direct as there is no commission. Invest in largecap or diversified funds like ICICI Pru focussed blue chip fund or BNPP Equity fund.

  63. pasad mamta says:

    my annual income is 240000.
    I want to invest in the following plans. could you please sugest me the amount and term to invest in these plans.
    I can invest 6000 per month.

    1.) SBI Gold fund (SIP)
    2.) PPF
    3.) RD account in SBI (or any other bank which gives higher return)
    4.) Company Fixed Deposit
    5.) post office saving schme
    6.) retirement plan

     

    • Suresh KP says:

      Mamta, SBI Gold ETF (not fund) – It depends on how long you want to wait. Ideally you should invest in such gold ETF’s for 10-12 years to benefit from gold appreciation. PPF-15 years lock-in period. RD in SBI should be good. Andhra Bank and Indian bank also giving good rates I believe. Company FD-Unless you are high risk taker, you can stay away from them. You can look for secured NCDs which are coming now and then to invest for more. Post office saving scheme or bank RD is similar. Retirement plan-I just responded to your other query.

  64. Mamta Pasad says:

    Hello Sureshji,

    I want invest 2k in SBI GOLD SIP every month. 2k in Rucurring Deposits evry month. And 10k annually in retirement plan. please suggest me if these two are good. and Where should i do Recurring deposits and retirement plan investment? My Monthly salary is 18000.

     

    • Suresh KP says:

      Mamta, You can start RD where you have savings bank account. Just check interest rates before you do so. For retirement plan, there are several ways of doing it. You can invest in large cap mutual funds for 10-15 years or you can invest in PPF where returns are tax free etc., Read our articles on retirement planning so that you would get ideas on various options available

  65. ALAM says:

    DEAR MR SURESH I AM VERY THANKSFULL FOR YOUR ADVICE AFTER THE READING YOUR ARTICLE I DECIDE TO INVEST IN THESE FUNDS PLEASE CHECK THATS OK OR NO I WANT TO INVEST ATLEAST 20 YRS AND WANT 15 % RETURN ON MY INVESTMENT .

    1.ICICI PRU FCOUSED G   1000 INR

    2.ICICI DISCOVERY G        1000 INR

    3.RELIANCE EQY OPP FUND G   500 INR

    4.HDFC MID CAP OPP FUND G    500 INR

    5.SBI PHARMA FUND G        1000 INR

    6.RELIANCE PAHRMA G       1000 INR

    7.SBI BUSINESS EMERGING FND G    1000 INR 

    SO PLEASE TELL ME WHICH FUND IS OK OR WHICH ONE I HAVE TO CHANGE.

     

     

    • Suresh KP says:

      Alam, These are good. However there is only 1 (ICICI Pru focussed fund) which is large cap. 2, 3, 4, & 7 are mid cap / small cap mutual funds. 5 and 6 are sector funds. Means you are more relying on midcap/small-cap/sector funds which are high risk, high return mutual funds. You should consider balanced way say 50% in large cap / diversified and balance 50% in midcap/small-cap/sector. You can review your portfolio again.

  66. Porikshit says:

    Dear Suresh Ji,

    Firstly, I am very greatful to you for your valuable inputs. your blog is really helping us in understading financial planning providing updates and analysis.

    I have invested 5000 per month in 3 SIPs in DSP Blackrock Gold fund (growth), DSP Blackrock Tiger fund (grouwth) and Princpal Tax saver scheme. After investing more than 3 yrs the returns are not as such I expected till date due to the performece of the funds and instable market. Nw not continuing the SIP. But not redemmed the amout invested.

    After reading your all post now I am little bid clear about the market and investment methods. i am 36yrs old and want to start anew with your valuable guidence. I am married with no kids (now planning phase) with a corporate job. can invest 6-7000/- per month. please suggest how should i build my portfolio. i have 2 LIC (money back), mediclaim and now have taken PPF. 

    Warm regards

    Porikshit

     

  67. ashay says:

    Hi Suresh ,

     

    I am a big fan of yours as you are helping us without any fees and giving us practical advise .

    I have started two SIP of 2000 each

    One : Birla Sun Life Frontline Equity Fund -Growth-Regular Plan

    Second : ICICI Prudential Focused Bluechip Equity Fund – Regular Plan – Growth has

    both term will be like min 15 + years .

     

    want to confirm is it ok or i have something wrong .

    ashay

     

     

    • Suresh KP says:

      Ashay, You can chosen good funds. Thanks for your appreciation. If you like our blog, do share few of the articles links on our facebook so that it might be useful for your friends also.

  68. prasanthi says:

    sir, i am 31ys old. i want to invest 2000 pm in MF. please suggest suitable fund for me. i am new to this world

    • Suresh KP says:

      Prasanthi, Since you are new to investment, my suggestion is to invest in balanced mutual funds to start with. Invest in ICICI Balanced fund and HDFC Balanced fund. Once you are familar on how mutual funds operate, you can invest in large cap funds and diversified mutual funds. 

  69. Mamta Pasad says:

    Hello Sureshji,

    My monthly salary is 18000. Could you please advise some SIP in mutual funds, Gold SIP, RD account?

    • Suresh KP says:

      Hi Mamta, If you are new to investment, my suggestion is to invest in balanced mutual funds to start with. Invest in ICICI Balanced fund and HDFC Balanced fund. Keep some amount into recurring deposits also. If you want to invest in Gold, invest in Gold ETF and not gold MF. Gold ETF’s are similar to shares, but track international gold prices. They charge less management fees, hence good comparing to gold MF. You can consider taking SBI Gold ETF or Reliance shares gold ETF. Pls note that you should go for SIP and don’t invest in lumpsum in gold now as gold prices are volatile. It moved from Rs 33K/10 grams to Rs 25K / 10 grams and now again back to Rs 30K / 10 gram. 

  70. alam says:

    DEAR MR SURESH

     

    I WANT TO KNOW REGARDING JP ASSOCIATIONS FD CAN I GO THROUGH THAT BECOZ THEY GIVEN 12.50 % RETURN IN 3 YRS SO THAT IS SAFE FOR INVEST

    • Suresh KP says:

      Alam, This company is not rated for FD scheme, hence it would be risky to invest in such companies. There are several companies which are highly rated like M&M etc.where they are highly rated. Please note that investment in company FD schemes always carry risk in payment of interest and repayment of capital. I am providing latest company FD rates along with credit rating next week, please review and take a call.

  71. vikas says:

    Hi Suresh,

    I had invested in lumpsome in the following funds in 2006:

    1. Birla sunlife top 100 – amount invested was 30k which is almost 78k now.
    2. Sbi blue chip – amount invested was 50k which is just 80k now.

    As we can see returns from sbi blue-chip haven’t been great.

    What would u suggest. Redeem both or only sbi blue chip. I am not in rush of money but if it makes sense to invest somewhere else I would.

    thanks a ton !
    vikas

    • Suresh KP says:

      Vikas,Both are good MF’s in large cap sector. If you see both have given 18% p.a. returns in last 5 years and 18% p.a. returns in last 2 years. If you have invested in between, you would have got less returns. Patients pays. Please hold them for more time as you are not in need of money.

  72. RogerB says:

    Hi Suresh,

    Thanks for such an educating and enriching article, it makes an early amateur investor like me more confident. 

    As i mentioned i am an amateur as far as these investments go.. I would like to know if there is a suitable Moderate risk high return or an Moderate risk Moderate return SIP plan for me, that is at this point I am looking for a plan where i can invest for about 5-6 yrs and the risk appetite is moderate. I am in a private job my age is 24yrs and the investment amount that i can spare is about 1000-2000 Rs. I have not been getting the right guidance.. will really appreciate if you could suggest me something..  

    Regards

    RogerB

    • Suresh KP says:

      Hi Roger, If you are moderate investor, you should reduce high risk investments like stocks or midcap/small cap mutual funds. You should diversify in such a way that you invest in large cap mutual funds, balanced mutual funds, Secured NCD’s and Bank RD. In mutual funds, you can consider ICICI Pru focussed blue chip fund,BNPP Equity fund. In balanced mutual funds consider ICICI balanced fund

  73. Gaurav says:

    Hi Suresh,

    I am not a good in finacial planning. I am a 40 yrs old, two child, one is  2 years and another 8 year old. Now I want to start a investment where I could secure my Child and my retirment life. I can invest 4000-4500 pm.
    Could you please suggest me a porfolio ?

    Wbr

    Gaurav

     

    • Suresh KP says:

      Gaurav, You can consider these tips 1) Consider taking term insurance plan (if not taken) and pay low premium 2) Balance of your monthly surplus invest in variety of investment options like large cap and diversified mutual funds like ICICI Pru focussed bluechip fund or Franklin India blue chip fund and other high return investment options like secured NCD’s. For retirement, I feel you can invest in PPF account every year so that you can get tax benefit as well as corpus can be built which would be tax free.

  74. Gyanesh says:

    Hi Suresh, I am 46 year old and want to invest in SIP / mutual funds. I can plan to invest 10000 per month for 10 yrs. pls guide me which mutual funds should I invest. I want to create a retirement corpus expecting decent returns on my investment. Thanks in advance

    • Suresh KP says:

      Gyanesh, At your age of 45 and assuming that you would retire at 60, you have 12 to 15 years and you can safely invest in large cap mutual funds or PPF or NPS to get decent returns. For mutual funds invest in largecap or diversified funds like ICICI Pru focussed blue chip fund,BNPP Equity fund or Quantum long term equity fund.

  75. Shrinivas Kulkarni says:

    Hi Suresh,

    I have SIP in ICICI prud. Discovery fund Growth for 1000/- per month and would like to insvest in one more SIP please suggest which one would be good.

    Thanks

    Shrinivas

     

    • Suresh KP says:

      Hi Shrinivas, You have chosen mid-cap mutual fund which is good, but high risk. You should add large cap mutual fund which would be low risk to moderate risk like ICICI Pru focussed blue chip fund or Birla SL Frontline equity funds. 

  76. SK says:

    Hi Suresh,

    I had invested in ICICI Pru Dynamic Fund (G) in 2006 with a lumpsum amount.  The fund is dng decently as the amount has now doubled.  Should I redeem the fund to lock in on the current Stock Market high  and invest the amount via SIPs or just wait it out as it is.  I do not have any immediate need for funds.

  77. rohit says:

    Suresh After reading your various articles my mind is like boil egg. I don't understand what to do. So you should help me now and it's ur duty tooo…so  I am going to tell you about my situation. …

    My financial bio data

    Hi I am 39 + man single man. Working in a compny from 7 yrs and getting  only 2.40 lakhyrs in hand. I have only 40,000 FD and 60,000 cash in hand. and just some money in PF.  I was investing 500 monthly in pension scheme PRAN. Now i am investing 1000 in this scheme. I am not giving any EMI. I have my own house.

    Now Mind situcation. ….

    After reading your arrtical 20 ideas to start a biz, i started to check suitable project for start a biz. Soon i will start too. But in meantime i read some of your others articals like abot MFnd, Retire plan etc…..Othere hand, i got some msg about the investmet about future, mas was assuring after investing 48,000 yearly for 20years, i will get 1 lakh monthly or 1 crore. 

    So i am confused about retirement plan. SO plz tell the reality abt this msges. and how much i need to invest for 1 crore or plus.

    2nd i am now planing to invest another 30000 year in MF…I prefer SBI magum emerging and SBI Megnum FMCG FUnd for long term…

    3rd I don't want long investment plans like EMI…so I want some short term investment…with hight return, i am ready to invest with share link hight risk plan also..and if they will not perform well for then i can stay into this for long time also…

    means i want to invest 50 -50 in save and risk fund. 

    so plaz help and suggest right step ..

    thnaks..

     

    • Suresh KP says:

      Hi Rohit, Surprised with your comment that you are confused. This is one of the unique comment. I would try to answer the queries raised by you 1) The reason people get confused is they do not know what they need. If you know that you need Rs 1 Cr retirement amount, invest small amounts in various retirement options like PPF, NPS etc. They would provide 8% to 14% returns depending on the option which you have chosen 2) Yes SBI Magnum emerging is good. However SBI FMCG fund is sector based one, do not invest for long term as it is high risk 3) I do not like the idea of short term investment. But you can try ICICI Pru services fund or SBI FMCG fund or Reliance Pharma fund which are high risk, high return investments. 

      • rohit says:

        Dear Mr suresh, plz tell me should i get 1 cr in 15-20 yrs, if i invest 48000 rs per year, as I got messages from various cmpny.

        • Suresh KP says:

          Rohit, not sure from which company you got such messages. To get Rs 1 Crore in 20 years @ Rs 48K investment per year, you should get annualised returns of 18.50% which would be almost impossible unless you invest in high risk investments which may or may not perform well in such 15-20 years period. You can fairly expect 13% to 15% returns and expect a maximum of Rs 60L as corpus by investing Rs 48K per annum in best performing mutual funds in India.

  78. alam says:

    DEAR MR SURESH

     

     MY AGE IS 35 YEARS NOW I WNAT TO INVEST 3000 PM BY SIP FOR A 20 YRS TERM CAN YOU SUGGEST ME WHICH FUND IS BETTER FOR ME ALSO I WNAT 15 % RETURN ON MY INVESTMENT WITHIN 20 YEARS.?

    • Suresh KP says:

      Hi Alam, Instead of investing in one mutual fund invest in 2 mutual funds like ICICI pru focussed blue chip fund or Franklin India growth fund.

    • alam says:

      dear mr suresh i have decided that 

       

      1.icici pru focused (g) 1000

      2.icici pru technology fund(g) 1000

      3.sbi blue chip 500

      4.hdfc micap (D) 500

      i wnat to invest in long time minimum 20 years so please advice me that is ok or i have to change that my target is get the 15 % return after 20 years

      • Suresh KP says:

        Hi Alam, There is problem with your portfolio. ICICI Pru focussed is good fund. Avoid ICICI Technology fund as this is sector fund and IT sector returns grown just in last 3 to 6 months due to rupee appreciation. This was under performer in last 3 to 5 years. You cannot expect similar growth now. Avoid them. Similarly try to avoid SBI Blue chip fund which have just grown due to market peaks else it was under performer all along. No guarantee that in long run it may sustain. HDFC Mid cap opps fund is good fund

  79. Kuldeep says:

    Dear Suresh,

    I am 40 years old. My wife is 35years old. I have 11 years old girl & 7 years old boy. we both are gov. servent. our monthly income is 75 thousand. 

    I am inviesting following funds by SIP  from 04/2012. pls give me ur suggestion.

    1] ICICI Prudential focussed bluechip equity mutual Fund Rs.1000/-

    2] DSP blackrock equietyRs.1000/-

    3]Hdfc mutual fund growthRs. 1000/-

    4]SBI gold fundRegular plan growth Rs.2000/-

    5]HDFC Top 200. Rs.1000/-

    6] HDFC Mid -cap opportunities fund Growth Rs.1000/-

    7] SBI bluechip mutual fund Rs.1000/-

    8] HDFC mutual fund GrowthRs.1000/-

       Is it proper & sufficient investment for my future? pls. suggest me.

    Thanks.

     

    • Suresh KP says:

      Kuldeep, The portfolio is good, but there are few funds which you can review and exit. Funds like DSP BR Equity fund, HDFC Growth fund, you should avoid as they are under performers and there is less scope for improvement

  80. Satya says:

    Hi Suresh,

    I am investing below funds. Please let me know if any fund need to change in my portfolio and my portfolio is diversify or not?

    Thanks in advance.

    Reliance MIP(G)
    Quantum LT Equity Fund(G)
    UTI Opportunities Fund(G)
    ICICI Pru Focused BlueChip Eq Fund-Reg(G)
    Mirae Asset India Opportunities Fund-Reg(G)
    SBI Emerging Businesses Fund-Reg(G)
    HDFC Mid-Cap Opportunities Fund(G)
    ICICI Pru FMCG Fund-Reg(G)
    SBI Pharma Fund-Reg(G)
    Franklin Asian Equity Fund(G)
    JPMorgan Gr China Eq Off-Shore Fund-Reg(G)
    FT India Feeder – Franklin U.S. Opportunities Fund(G)

    Cheers,
    Satya

    • Suresh KP says:

      Satya, You have choosen good funds. However your portfolio is high risk high return e.g. there are 3 global funds. 2 sector based funds and 3-4 mid-cap funds. If you are high risk investor, you can continue them, else you should invest large cap funds like ICICI Pru focussed fund or Quantum LT equity funds. In your portfolio, you need to keep a close watch about such global and midcap funds continuously. 

  81. Krishna Mohan says:

    Hi Suresh,

    Thank you so much for all your efforts in educating the people in MFs. Currently I am investing 2000/month in Birla Sunlife Frontline Equity fund since last year. Now i want to invest 2000/- more for long term in any other fund request you to please suggest a good fund. As Iam jst 25yr old i can take risk.

    -Thanks

    • Suresh KP says:

      Krishnamohan, I am publishing top 5 midcap/small cap mutual funds recommendation on this Monday. Please go thru them and invest them. These are good ones for risk taker as they provide good returns in medium to long run.

  82. Priyank says:

    Hi Suresh,

    I am complete novice when it comes to investing. Could you please guide me to gain maximum returns. My capacity is to invest 5-8k every month and I am looking at investing for a period of 12-18 months.

    Please guide me with all details if you can.

    Regards,

    First Time Investor

    • Suresh KP says:

      Priyank, You are short term investor. You should invest short term mutual funds like IDFC Cash fund, Morgan Stanley liquid fund, SBI Premier liquid fund. You can expect 9% to 10% returns. Paralelly you can invest in RD in any bank offering 8.5% to 9% returns

  83. Pranay says:

    Hi Satish ,

    I have invested in the below mutual funds:

    1. SBI Emerging Business Fund: 1500

    2. Franklin Bluechip : 1000

    3. SBI Pharma :500

    4. SBI FMCG :500

     

    Let me know your view on this and should i start investing in other mutual fund?

    Thanks in advance.

    Regards,

    Pranay

    • Suresh KP says:

      Hi Pranay, I am answering this query though you addressed me as “Satish” instead of “Suresh”. Just kidding… You have choosen good funds. 30% are in high risk, high return investments which is correct as per portfolio diversification. 

  84. Hello Suresh

    I am 38 and have invested in SIP in the below mentioned funds. I can invest more upto Rs 2000 perr month. I want to save for my child education and marriage. Let me know if it is fine and which more good funds can I Invest.

    1) UTI Mastershare -Growth – Rs 1000

    2) UTI Dividend Yield Fund ( Growth Option) – Rs 2000

    3) Franklin Templeton Blue Chip Fund ( Dividend Option) – Rs 1000

    4) HDFC Prudence Dividend Option – Rs 1000

    5) HDFC Top 200 ( Dividend Option) – Rs 1000

    Waiting for your quick reply.

    Regards

    Suman

     

    • Suresh KP says:

      Hi Suman, The funds you selected are good. However there is problem. You have selected dividend options. You should select growth option to create wealth for your child education and marraige. Dividend funds provide dividends on regular basis and credited to your bank account. Hence at end of the year or at maturity, you would have only investment amount and not returns.

  85. nitin chauhan says:

    Hi,

     

    I am 25 and looking for investment of Rs 2,000 every month through the SIP (systematic investment plan)  and yearly i will increase it by 20% ,for  horizon of 15 years,can you guide me to choose two SIP plans to invest 1,000 in each?

     

    Nitin

  86. arghya says:

    Dear Suresh,

    I am 30 and wanted to invest in MF for 10 years. I am considering the below funds, kindly give your opinion.

    IDFC Premier Equity-G – INR 2,000 PM
    UTI Opportunities-G- INR 2,000 PM

    I am planing to have this 2 SIP via a STP.

     

    Thanks and Regards,

    Arghya

  87. Pankaj Kapse says:

    Dear Suresh,

    I planning to have 1.20 to 1.50 crore in next 15 yrs, for that i am investing in the following SIP

    HDFC prudence fund-gr-4000 p/m

    ING financial planningfund -aggressive plan gr-2000p/m

    Kotak 50 equity scheme gr -2000p/m

    Reliance equity opportunities fund gr-2000p/m

    HDFC Top 200 fund -2000p/m

    L & T Fund -2000p/m

    I would like to know,will i be able to achieve my goal with these fund & how do find these funds for long term investments.

    • Suresh KP says:

      Hi Pankaj, You need to modify your portfolio. Kotak 50, L&T equity funds are average funds. ING financial planning fund is new fund started in last 2 years. Not ranked by rating agencies. There are better funds to invest. Reliance equity opps, HDFC prudence and HDFC top 200 funds are good. You can look for ICICI Pru blue chip fund or FT India growth fund. I am recommending top5 funds on coming 1 week, you can wait for invest in top performing mutual funds. To accumulate Rs 1.2 Crore you need to invest atleast Rs 22,000 with returns of 13% for 15 years. Currently you are investing 12K, try increasing this over a period of time and you would be sure to achieve your target.

  88. Sandip says:

    Dear Sir, I am investing total 4000 rs pm in mutual fund through sip in following fund: icici pru focused blue chip fund-1000 rs, uti oppo. Fund-1000 rs, reliance equity oppo. Fund- 1000 rs, reliance pharma fund-500 rs, sbi FMCG fund -500 rs. Now I want to consolited my portfolio and want to hold only two fund. Which funds I should continue and which funds I should drop. All are growth plan. My time horizon is 10+ years.

    • Suresh says:

      Sandip, would like to know why you want to hold two MF’s only? You have chosen good funds and stay invested in them. If you still want to go, you should look for ICICI Pru blue chip fund and Reliance equity opps fund

      • Sandip patel says:

        Dear Sir, thanks for the reply. I now want to hold two funds only because I think for 4000 rs sip, five funds are two many. So in future when my salary increased I will add more funds. That's why in present I want to continue two funds only. Thank you very much again and keep doing such very good job.

  89. Vaibhav says:

    Hi Suresh,

    I wanted to create an investment portfolio. I can invest Rs5000 p.m. and may be will able to increase it by Rs2000p.m. every year so please advise in which funds i should invest? I am planning to inevest for next 15-20years to have return between 20-40lacs at 2033. I'm 27now.

    Thanks,

    Vaibhav

    • Suresh says:

      Vaibhav, Invest in largecap or diversified funds like ICICI Pru focussed blue chip fund,BNPP Equity fund, UTI India life style fund or UTI Opps fund or Quantum long term equity fund and Birla SL Gen Next. You can pick any of these funds.

      • Vaibhav says:

        Dear Sir,

        Thank you for guiding. I'm very new to SIP. Can you please advise the procedure to start the investment, i mean do i need to open any account other than savings account. or need to have bank in these companies to invest in them?

        It will a great help if you can advise me on procedure as well.

        • Suresh KP says:

          Vaibhav, You should open mutual fund account with any of the brokers like ICICI Direct.com or fundsindia.com. Once you open the account, you can put request to do SIP in mutual fund. You can start as low as Rs 500 per scheme per month. It would run like any recurring deposit. The amount would be debited in your bank account and you would get mutual fund units. You can track them in your mutual fund account about what is the investment value and what is the current (which is based on NAV)

  90. Amit says:

    Hi Suresh,

    Thanks for detailed research on top mutual funds… I m following ur blog for last few months & its really informative…

    I have query regarding Sectorial Funds. You have recommended Reliance Pharma & SBI FMCG. I have checked on MoneyControl and as per them ICICI FMCG Fund is giving better return than SBI FMCG. Also, SBI Pharma is consistance performer for last 3 years compare to Reliance Pharma.

    What is your thought on this?

    Regards,

    Amit.

    • Suresh says:

      Hi Amit, I would see long term peformance. In last 5 years SBI FMCG provided 35% where as ICICI has given less than 30%. Similarly, for 5 years period, Reliance pharma has provided 32% whereas SBI Pharma has given only 29%. Some funds would perform better in short term, but in long run, they may provide low returns. I believe long term performance.

  91. Priyajit says:

    Hi suresh,

    Following your blog from last 6 months,I have started SIPs in 3 funds

    1.ICICI PRU focussed bluechip fund(G)- 1000 pm

    2.SBI pharma fund(G)- 1000pm

    3.SBI gold ETF- 1 unit pm(SEP).Let me convey my profound thanks for guiding & advicing me.

    Plz comment on my chosen fund.I also would like to invest 1000 pm in a diversified equity fund for 5-10 yrs.I have shortlisted following funds.Plz advice me to choose one fund from below

    1.ICIC pru Exp & other services-RP(g)

    2.ICICI pru dynamic plan(g)

    3.UTI mnc fund(g)

    4.Reliance equity oppor- RP(g) 

    • Suresh says:

      Priyajit, Good about the one listed in top. At bottom 4, 3 are good. ICICI Pru Exp and Other services is fully invested under IT and Pharma. It is almost like Sector fund now. It is high risk. You can stay invested as long as you want to take high risk for high returns.

  92. Jatin says:

    Hello Sir,

    Could you please help me out to invest small amount in Mutual funds. I can invest upto Rs. 600 to Rs.800 . My time horizon will be 6-10 years. 

    Also suggest me good mutual fund which can be used for getting regular income/pension plan.I think for this, I may need to invest only in one mutual fund. Due to some financial dependency,  It won't be possible for me to invest  big amount in mutual fund.

    • Suresh says:

      Jatin, Majority of the mutual funds, you can invest Rs 500 through SIP per month. Since your time horizon is up to 8 years, invest in large cap funds like ICICI Pru bluechip focussed fund or Franklin India blue chip fund. You can choose any one of them and proceed to invest. Though there are mutual funds related to retirement, don’t try them as they are under performers as they try to protect your capital and do not provide even bank FD returns. I am sure one of the above funds would be able to create good wealth in 8 years time frame.

  93. M. Hameed Ali says:

    Dear Sir,

              I am new to this investmest/Fund/F.D/ETF. I like to know is there any scheme in our country which will double the amount in 1 Year.  For e.g if I have to invest 1 Lakh where I can invest for 1 Year. Plz suggest me Sir.

    Regards,

    M. Hameed Ali

    Chennai

    • Suresh says:

      Hameed, As per my knowledge, there is no such scheme which doubles in 1 year.

      • Hameed Ali says:

        Dear Sir,

                     Please help me where I can invest my amount which will be safe. I like to invest for only 1 year. I can invest only 1 Lakh.

        • Suresh says:

          Hameed, If you are looking for only 1 year, you can invest in bank FD/RD or Ultra Short term mutual funds.

          • M. Hameed Ali says:

            Dear Sir,

                    Thanks for the reply. Could you plz guide me in which Mutual Fund I can invest for 1 Lakh. I like to pay for one time payment instead of monthly payment.

            Thanks & Regards

            M. Hameed Ali

             

          • Suresh says:

            Hameed, Instead of investing in one, go for two 50K each. You can look for Reliance money manager mutual fund and ICICI Pru Flexi income mutual fund. Please note these are short term funds for 1 year only. 

  94. Satish says:

    Thanks Suresh!

  95. Prince says:

    Hi Suresh, I am new to your blog, It is really nice article given on you blog, I want to invest in SIP, which one is the best for next 15-20 years 5000/3 per month. I am 32 years old and i can take risk.
    Would you like to suggest me how to divide my money in MF options.

    Thanks ..

     

    • Suresh says:

      Hi Prince, Invest in largecap or diversified funds like ICICI Pru focussed blue chip fund,BNPP Equity fund, UTI India life style fund or UTI Opps fund or Quantum long term equity fund and Birla SL Gen Next. You can pick any of these funds.

  96. Sushrut says:

    Hi Suresh,

    I am following your articles from last 2 months. It is very informative and helpful.

    Recently my financial adviser suggests below funds:

    Birla Sunlife Dividend Yield Plus MF – Growth option = For my daughter’s education and marriage (horizon = long term ;  Rs.4000/month)

    ICICI Prudential focused Blue-chip Equity MF – Growth option. = For my daughter’s education and marriage(horizon = long term ;  Rs.4000/month)

    HDFC Balanced MF – Growth option = For goals like international vacation & purchase of car (horizon 7 years ; Rs 5500/month)

    Birla Sunlife MIP II – Savings 5 MF – Growth option (horizon 7 years ; Rs 5500/month)

    Please let me know your views on this.

    • Suresh says:

      Birla SL Dividend yield and ICICI Pru focussed blue chip and HDFC Balanced funds are good. But I could not understand the purpose of taking Birla SL MIP II plan. Are you looking for monthly or regular income from any mutual fund ? Then why are you investing for long term. If your horizon is 7 years, you should select diversified funds. Monthly income plans are aimed to provide regular or monthly income, but they can be re-invested in growth plans. They invest in low risk and returns would be low. You can switch to alternative funds like what you selected other 3 funds.

  97. Rakesh Ganju says:

    Hello Suresh Sir,

    I am disturbing you once again.

    Kinldy have a look my portfolio at present and please let me know if its fine to continue or I need to alter anyway. I would be really blessed if you could intervene.

    SBI Emerging Businesses Fund-Reg(G)
    amount invested till date: 7,000.00
    (1000/month for 5 more months)
    value as on date: 6,764.35

    IDBI Gold Fund(G)
    amount invested till date: 9,000.00
    (1000/month for 3 more months)
    value as on date: 8,946.02
     
    Templeton India ST Income Plan(G)
    amount invested till date: 4,999.00
    value as on date: 5,683.39

    ICICI Pru Focused BlueChip Eq Fund-Reg(G)
    amount invested till date: 12,000.00
    value as on date: 12,976.48

    HDFC Top 200 Fund(G)
    amount invested till date:12,000.00
    value as on date: 11,936.75

    Total amount invested till date: 44,999.00
    Total value till date: 46,306.99

    • Suresh says:

      SBI Emerging, ICICI Pru bluechip, HDFC Top-200 are good. IDBI Gold fund is very new just an year back. Instead invest in Gold ETF’s like R*Shares Gold ETF or SBI Gold ETF. TI ST Income fund is debt short term. Do you want to invest in short term funds ? If yes, you can consider, but there are better funds. Instead of short term debt fund consider long term debt funds such as IDFC Dynamic bond fund or SBI Magnum income fund etc.

  98. Abhishek says:

    Hi Suresh,

    I have currently invested in SIP HDFC Top200 equity fund Rs.1000/m for long term of 20 years

    I would like to invest in Birla Sun Life Frontline Equity Fund or Birla Sun Life International Equity Fund and ICICI Pru Bluechip (Rs.1500/m in any of these two).

     

    Pls advise out of Birla Sun Life Frontline Equity Fund or Birla Sun Life International Equity which I should invest in for a period of 20 years. Since Birla Sun Life International Equity will have international exposure will that be more beneficial than Frontline? 

    Also I am willing to invest in ICICI Pru Bluechip.

    pls advise.

    Thanks

    • Suresh says:

      Abhishek, Two funds have different objectives. Birla SL Frontline is large cap fund invests within India. Other fund invests outside India. In long run, both may perform good. Given a choice, I would invest 5% to 10% of my portfolio in international funds. I hope other one you are referring as ICICI Pru focussed blue chip fund. This is good one.

      • Abhishek says:

        Hi Suresh,

        Thanks for your prompt reply.I will invest in BSLife International Equity fund as advised by you.

         

      • Murali says:

        Hi Suresh,

        Could you please suggest best retirement pension plans to invest in monthly ECS mode.

        Thanks,

        Murali

        • Suresh says:

          Sure Murali garu. Can you please do me a favor, can you post this request on suggest a topic so that it would be in my radar and I can analyse and come back in next couple of weeks. I should not be posting this request myself, hence this request.

  99. Mohit says:

    Hi Suresh,

                       I am getting a rental income of Rs 10000 per month and I want to invest Rs 8000 per month in SIPs (growth plan). I have a long term horizon . I am a dentist with moderate risk apetite. Please advise.

              

    • Suresh says:

      Mohit, Invest in largecap or diversified funds like ICICI Pru focussed blue chip fund,BNPP Equity fund, UTI India life style fund or UTI Opps fund or Quantum long term equity fund, Birla SL Gen Next

  100. Nirav says:

    Hi Suresh,

     

    First of all thank you very much for your article. I have a daughter only 3 months old and I am thinking for some investment for her and get continuous money between her 18-25 years. Currently feeling confused as I never invested in mutual funds before and don't know how it's work. And your suggestion for few mutual funds would be highly appreciated. Currently I can invest rs 5000 every month. Thanks in advance. 

    Nirav

    • Suresh says:

      Nirav, Invest in diversified and large cap funds such as ICICI Pru focussed blue chip fund, Birla SL Frontline, ICICI Pru focussed blue chip fund, UTI MNC Fund and debt funds like HDFC Prudence etc.,

  101. prasanta paul says:

    hi suresh.

                 i am prasanta, from kolkata. iam 29 yrs old, i want to start sip in 2 plans.i want to remain invested for atleast 15 years. i could invest 1000 rupees in each fund.can u suggest me that which 2 plans will be suitable for me?

    • Suresh says:

      Prasanta, Good to know that you want to invest in such young age. My suggestion is you can look for ICICI Pru focussed blue chip fund or HDFC Top-200 or Reliance Equity opps fund. Consider investing in 2 to 3 funds.

  102. manas says:

    Hi Suresh,

    1st of all I would like to appreciate your initiative of helping individuals regarding their investment plan and secondly for such a good analysis and recommendations which is easy to understand by any laymen who is new to investment space.

    Like all I too have certain queries related to investment (SIP's) on which I would like to have your recommendations.

    Scenario- I want to invest 5 k each in roughly 4 to 5 SIP's for long term. I am looking for good returns over my principle amount along with diversification which will provide a hedge against market fluctuations. 

    Also if you can kindly suggest how can i create a high growth diversified portfolio which is inclusive of not only SIP's but other market instruments or bullion which can fetch me good returns with security of my principle amount.

    Hope to hear from you soon…!!!!

    Thanks 

    Manas

     

           

    • Suresh says:

      Manas, Thanks for your appreciations. In my opinion every investor need to diversify their portfolio into various investment options. Like you said, you can invest in Gold ETF’s which are best. You can consider SBI Gold ETF or R* Shares Gold ETF. Regd MF’s invest in ICICI Pru focussed blue chip fund or FT India growth fund or HDFC Top-200. But remember you can expect good returns if you can invest for long run. Keep monitoring every month is good for tracking, but don’t worry about ups and downs. Invest thru SIP which is good financial tool available for us

      • Manas says:

        Thanx a lot Suresh!!!. 

        Just to have your recommendations if I have to invest in 5 SIP's what all you will recommend to go for for lonf term prospective?

        • Suresh says:

          Manas, there are several funds. Invest in largecap or diversified funds like ICICI Pru focussed blue chip fund,BNPP Equity fund, UTI India life style fund or UTI Opps fund or Quantum long 

          term equity fund, Birla SL Gen Next

          • Manas says:

            Thans a lot Suresh!!!! 

            Just one more clarification at time of slecting funds for SIP what all me as a laymen should look for in a fund ?

            Is it the tax benefit , NAV value, AUM value tenure, lock in period, exist policy wat else. and how is NAV different from AUM value? And on what basis the investor get paid at the maturity or end of SIP?

             

             

             

          • Suresh says:

            Manas, You should look for consistent performer, high Crisil Ranking and high AUM (Assets under Management) of > Rs 100 Crore and risk appetite should be the criteria. Once you know this you would be able to filter them. However long term performance always plays role in selecting mutual fund. e.g. HDFC Top-200 has given 20%+ annualised returns in last 10 years. Now it might be providing low returns in last 2-3 years. It does not mean it is bad fund. If you wait for long run, such funds pays you with good returns. This is one of the best performing mutual funds in India. NAV is the Net Asset Value which is nothing but all assets value divided by number of units issued to investors. AUM on other hand is total invested money by investors. Any fund where AUM is > Rs 100 could be considered as one of the parameter to invest as investors would have gained confidence in such funds. 

  103. Amit says:

    Hi Suresh,

    I am planning to invest 5k per month through SIP for my child's education for next 15 years. Can you please point out some specific funds I should start investing into? I am new to MF world and want neutral opinion from person like you. Thanks in advance.

    • Suresh says:

      Amit,  Investment in diversified and large cap funds would help you to grow money. Invest in funds like ICICI Pru focussed blue chip fund, Birla SL Frontline, ICICI Pru focussed blue chip fund, UTI MNC Fund and debt funds like HDFC Prudence etc., Combination of all these funds would help you to diversify so that they can grow over a period of time.

  104. bhavesh Mehta says:

    Hello Mr. Suresh,

    I am already invest rs. 4500 following MF last 5 years. so, pls. advise all funds are good or not. if do you lilke any changes in my protfolio so, pls. advice.

    1) SBI –  Magnum sector funds Umbrella contra-Growth – Rs. 1500/-

    2) ICICI Prudential Discovery Fund-Growth Option  – Rs. 1000/-

    3) DSP BlackRock Small and Mid Cap Fund – Regular Plan – Growth – Rs. 1000/-.

     

     

    • Suresh says:

      Hi Bhavesh, All 3 are from mid-cap/small-cap sector. SBI Magnum and DSP BR funds are ranked by Crisil as Rank-4. These would perform well in long run, but risky. You should have patience. ICICI Pru disc is good

  105. shikha says:

    Good investment advice and ideas :)

  106. Bharat says:

    Hi Suresh,

    I'm 31 year old and earning 55K/month. I would like to invest in SIP MF for long term basis. I'm totally new to this world hence i would require your hand holding for smart investment so that i can achive my goals of purchasing house, marriage of my daughter and retirment backup.

     

    Thank you

     

     

     

    • Suresh says:

      Bharat, I hear you. Adopt this strategy. Invest in diversified and large cap funds such as ICICI Pru focussed blue chip fund, Birla SL Frontline, ICICI Pru focussed blue chip fund, UTI MNC Fund and debt funds like HDFC Prudence etc.,

  107. zubin baisiwala says:

    Hi suresh

    I had invested in SIP of following funds after seeking advice from you. However, there is problem now. I have cap of 10k to be invested each month in SIP but now due to change in rules of SIP of SBI, minimum monthly investment in SIP has increased from INR 500 to INR 1,000. Due to aforesaid my SIP in SBI Pharma and SBI FMCG has increased from INR 500 to INR 1000. :(

    So my SIP on monthly basis has increased to INR 11,000. Therefore, I would want to discontinue any one scheme from my portfolio of mutual funds, Coul you please help me decide which SIP I should discontinue?

    Portfolio:

    1. Birla SL Gen Next-  INR 1000

    2. Birla SL International Equity- INR 1000

    3. SBI Pharma- INR 1000

    4. SBI FMCG- INR 1000

    5. SBI Emerging Business- INR 1000

    6. SBI Dynamic- INR 1000

    7. IDFC Govt Securities Investment Plan- INR 1000

    8. JP Morgan ASIAN Eq Offshore- INR 1000

    9. Reliance Eq Opportunites- INR 1000

    10. UTI Opportunities- INR 1000

    11. Axis Long term Equity- INR 1000

    Thanks in advance

  108. Nandan says:

    Hello Suresh,
    This question may be a little off the topic.Actually I am in a dilemma. 

    I currently live on rent with family.We don't possess any home or property yet. 

    So, I want to know if I should take home loan now to buy home or should I invest money in mutual funds or other instruments and buy a home 15-20 years later with a lump sum corpus built?
    Our rental is not so high (5500 a month currently). My current CTC is 8 LPA. I can invest 25k a month. (I have term insurance of 85 L) 
    Even if I go for home now, that won't be mine till I pay all the EMIs and I won't be able to invest much for future. Also, I will have to build corpus for down payment also. Corpus for down payment may take 2 years to build.

    But then if I go for investment strategy, then I don't know if I would be able to buy a decent home with the corpus built with mutual funds after 20 years. (Current price for a decent home in my locality is 25 L)

    So what do you suggest?

    Regards
    Nandan

    • Suresh says:

      Nandan, Before I comment, I would give my example. 3 years back, I thought of buying an house for X amount. I want to build a corpus of 40% of this X amount and balance 60% as loan. My goal was to buy a house. My financial goal was to build 40% corpus to buy house. Now I have achieved my financial goal, but real estate prices have shooted up. My X amount is no more X amount. The prices have increased by 50%. Thought I buffured some amount in X for such real estate prices appreciation, I never thought it would be 50%. Don’t think of invest in in mutual funds and buying a house after 20 years. My suggestion is build corpus required for buying a house. You build 30% rel estate prices increase in next 2 to 3 years in your budget. Increase your income so that you can pay EMI and save some money to invest in mutual funds. Grow your money thru MF’s and re-pay housing loan in less than 20 or 25 years. There might be better choices too and we may need to explore them.

      • Nandan says:

        Thanks Suresh,

        I appreciate your valuable suggestion. Can you please suggest few funds for 3-5 years horizon? Is Tata balanced fund and SBI Dynamic fund good to start with?

         

        Regards

        Nandan

        • Suresh says:

          If you are looking for medium term of 3 to 5 years, invest only in debt funds like SBI Magnum income fund or IDFC Dynamic bond fund or SBI Dynamic bond fund. Investmetn in hubrid funds may be good, but it involves some risk and they are not good for medium term.

          • Nandan says:

            Thanks Suresh,

            What do you feel about Reliance MIP (G) fund? Can I start SIP in it as it has only marginal exposure to equity? And how does these MIP funds work? Does this fund pay monthly? or Can I just redeem all amount at the end of the tenure of SIP?

            Regards

            Nandan

          • Suresh says:

            Nandan, This MF is mainly for investors who look for regular or monthly returns. These are monthly income plan mutual funds. If you are looking for growth of your money, you should look for diversified and large cap funds. One should not put SIP in these MIP plans as you would get less returns.

  109. dayaram kachchhi says:

     dear sir,

          Iam grateful to you sir, i have visited yor blog for couple of days, your articles are much 

          helpful to all specially for new starers.I have visited many sites regarding sip in mf, but i found 

          that you are the best and genuine.Iam doctor I can spare 15 thousands/month.My horizon is

           for 10 years.

        I have already  invested , 3000/m in icic focused b chip, 3000 in uti opportunities,2000/m in   

        hdfc mid cap .

        I have shortlisted few funds, please guide me to select 3 for further 7 thousands sip,

         1) Reliance eq opportunities, 2) SBI emerging business f ,3) SBI debt fund,

     

           4) icic pru discovery f , 5 )idfc sterling eq fund , 6) birla sun life 95

       Please suggest if there are other better options,also give comments regarding my portfolio.  

       Waiting for your valueable advise.

                                                              Regards

                                                       Dr. Daya Ram

    • Suresh says:

      Hello Dr. Dayaram. Thanks for your appreciation. You have chose 3 good funds. Regd 3 funds to be chosen from 7 funds, I would suggest you to look for Reliance Equity opps, ICICI Pru discovery fund and SBI Emerging business fund. 

      • dr.daya Ram says:

        Dear sir,

                 Iam 34 yrs old, thanks God that people like you are serving with your valueable and genuine 

                 advise.thanks for your kind advise.

                                                               Best Regards

                                                                Dr. Daya Ram

                                                

  110. Aman says:

    Hi Suresh,

    Thanks for your wonderful blog, it is really informative.

    I am new to Mutual Fund, i want to invest in above mentioned mutual fund but before that i have some doubts.

    1)Is the return on mutual fund is tax free after 1 year, for all the mutual funds or for only some particular mutual funds.

    2)If i buy mutual funds from ICICI Direct, do i need to pay any service charges(Load charges) extra for these above mutual funds.

    3)I want to invest for 3-4 years at max, should i go for growth or dividend fund.

    • Suresh says:

      Good to know that though you are new to mutual fund, you want to learn before you start investing.  1) Equity mutual funds, there would not be any tax after 1 year. Please see this article about mutual fund taxation 2) You need to pay transaction charges of Rs 33 per transaction for SIP and Rs 100 for one time investment. 3) If you want to invest for mediium term of 3 to 4 years, my suggestion is to go for debt funds like SBI Dynamic bond fund or IDFC Dynamic bond funds. If depends on whether you want regular income from these funds. If yes, you can go for dividend option. But note that dividends are paid to you regularly, hence your maturity amount would get reduced to that extent of apprecation minus amounts paid to you for dividend.

  111. Ashay says:

    Hi Suresh,

    I am also looking for investement in SIP , I want to invest for long term like 15 to 20 years .

    I was planning to invest in LIC retirnment policy like Jeevan Saral but in that if i will invest 1 lakh per year after 25 year i will get 75 + , in SIP if i will invest that amount i think i can get more returns .

    If I want to invest 6000 / – per month like 2000 * 3 SIP plan , which 3 sip i should take which can give me high return with low risk in 20 years ?

    Thanks,

    Ashay krishan

     

    • Suresh says:

      Hi Ashay, Look LIC for insurance perspective. Consider taking term insurance. Balance invest in mutual funds. Since you are low risk investor, invest in hybrid funds and debt funds like HDFC Prudence Fund or ICICI Balanced fund or SBI Dynamic bond fund or IDFC Dynamic bond fund etc. But you should ad atleast 1 or 2 large cap / diversified funds into your portfolio as and when you increase your monthly kitty. Invest in ICICI Pru focussed blue chip fund or Franklin India growth fund or Reliance Equity opps fund. These are good for long run.

      • Ashay says:

        Thanks a lot for your advise , I already have taken one term plan for coverage of 1 cror so i do not need any life insurance .

        I want to invest in something which can give me good return in 15 years and 20 years .

        I can invest 2000 in one sip and i can go for three sip .

        Will balance will give me good return so i should go for large cap or equity .

        like i will invest 5 lak in 20 years so what do u think what i can get after 20 years investing in large cap icici sip

         

        ashay

        • Suresh says:

          Ashay, Even if you take conservative number of 12% returns, you can expect the maturity amount of Rs 20L in 20 years. Hence people would invest for longer term.

  112. sasikumar says:

    i want to invest around Rs.20000.00 in SIP for 10-15 years please help me.

    please mail me also.

    • Suresh says:

      Hi Sasi, Invest in diversified and large cap funds such as ICICI Pru focussed blue chip fund, Birla SL Frontline, ICICI Pru focussed blue chip fund, UTI MNC Fund and debt funds like HDFC Prudence etc.,

  113. Bhajan Deep Singh says:

    Hi , I am planning to invest 5k per month in SIP's for a 5-10 year period. Can you suggest 2-3 good funds where I can diversify my investments .

    Thanks

    Bhajan

    • Suresh says:

      Hi Bhajan, Good to note that you are planning for your future. If you are long term investor, I keep telling them to invest in solid mutual funds like HDFC Top-200, ICICI Pru focussed blue chip fund, FT India bluechip fund, Reliance Equity opps fund etc. Scatter your investment in these 4-5 MF’s go over for long period. These has been best performing mutual funds for over 5+ years and some of them have been good performing mutual funds over 10+years.

  114. manohar says:

    I impressed tp see your fan. my question is , reliance mutual fund is good to invest ? because in my friend circle mostly are reliance mutual fund investors. equity and regular saving. I am also planning to invest. but before that i need your guidence about that.

    • Suresh says:

      Thanks Manohar. Don’t just invest in reliance mutual funds. You should choose good schemes under reliance mutual funds. There are funds like reliance equity opps fund or Reliance pharma fund (sector funds) or reliance banking fund (banking sector) which are some of the funds. However you select from diversified funds and invest. Don’t just bet on Reliance. You can invest in 4-5 mutual funds to grow your money.

  115. Priyajit says:

    Hi Suresh

    I am following your blog regularly since last 6 months.I find it very useful & informative.Thanks a ton for this kind of helpful blog.

    I am 25 & want to start a sip of 2000/ p.m in HDFC-top 200.Should I go for regular or direct plan & how to invest online? I have recently opened my demat acc with ICICI direct & also invested in HUDCO tax free bond.

    • Suresh says:

      Good Priyajith. You can deposit either way. If you deposit thru direct plans, you need to visit HDFC Mutual fund website and follow the process. You need to submit certain documents and do KYC completion on your own.

  116. chandra says:

    hi suresh gaaru,

    is it safe to invest through Fundsindia.com, and is it safe to disclose our PAN, banck account details etc., to them..

     

    • Suresh says:

      Hi Chandra, PAN details and bank account details are mandatory for any demat account opening. You can give it. Fundsindia.com is one of the reputed company. Also all mutual fund units would be in your name irrespective whether it is fundsindia.com or any other stock or mutual fund broker.

  117. sivakumar says:

    Hello.Mr.Suresh,

       I have been Invested Rs. 2000 per month on Reliance Growth Fund RP-(G) for last three years, (Aim for long term investment- Minimum 10 years) and now days the fund will not perform well, but my financial adviser said, please do not swich over the fund to another, because the fund has good track record and in future definetly it will perfrom well and get good return, Now my question is Do you agree with my financial adviser, that the fund will perform well in future, or this is the right time to swich over to some other Fund.

    Kindly advise.

    With warm regards.

    Siva Kumar.

    • Suresh says:

      Hi Siva, I understand your problem. This is one of the good performing mutual fund 5 years back. While I agree with your financial advisor that you can keep this for some more time, my advice is, please do not make any fresh investment in this as of now. There are better funds which provided consistent returns in bad time too like HDFC Top-200 or Birla SL Frontline or HDFC Prudence funds. Look into those for any new investments.

  118. Tabish says:

    Hii Suresh…first of all..thanks to your diligent support to everyone..you are really doing a great job

    Plz inform me that at this time of falling rupee and falling market..what is your suggestion regarding MF ans shares?…actually i would like to invest around 5-6thousand monthly through sip in various MF..i can take long term,high risk ..upto15years…..i m doing this especially for my1year old son…plz suggest

    • Suresh says:

      Tabish, Volatile markets, falling or raising rupee, can create hurdles to invest in stocks. However if you invest systematically thru SIP’s in mutual funds, there are greater chances that you get good returns in long run. Investing in long outstanding credible MF’s like HDFC Top-200 or Birla SL Frontline would help you to grow money in long run. All the best.

  119. Dheeraj says:

    I am investing about 30,000 per month in Mutual Funds using SIP mode.

    I started about 8 months ago and wish to stat invested for about 8-10 years in these funds.

    Sometimes when I get some extra cash from my side business in make some extra purchases to the above funds.

     

    1

    ICICI Pru Focused Bluechip Eqty (G)

    Blue-chip

    3,000

    2

    UTI Opportunities Fund (G)

    Blue-chip

    3,000

    3

    ICICI Prudential FMCG Plan – Growth

    FMCG

    3,000

    4

    ICICI Prudential Technology Fund (G)

    InfoTech

    3,000

    5

    Franklin Build India Fund (G)

    Thematic-Infra

    4,000

    6

    DSP BlackRock India T.I.G.E.R. Fund – Regular Plan

    Infra

    4,000

    7

    IDBI Gold Fund

    Gold

    10,000

     

     

     

    30,000

    I just wanted you to review them and let me know your thoughts/opinions on my fund choices.

    Look forward to hear from you.

     

    Thanks

    • Suresh says:

      Dheeraj, Stay away from Infra and technology funds like DSP BR TIGER India fund or FT India build fund or ICICI Tech fund. These are underperforming in last 5 years. IT is up only last 3 months back due to weaking of INR against USD. Others you can invest

      • Dheeraj says:

        Thanks Suresh for your reply.

        Can I go ahead with the other funds the same way in terms of numbers? or do you suggest changing the amounts?

        Is it good having a gold fund like IDBI Gold Fund?

        Thanks again – Dhiraj

        • Suresh says:

          Dheeraj, as Indicated in my email to you, you can go ahead with other funds .But I personally prefer to invest in Gold ETF’s instead of Gold mutual funds. You can select SBI Gold ETF or R*Shares gold ETF.

  120. sanjay says:

    Hi Suresh,

     

    I am having SIP with Franklin Blue chip for Rs 3000?month and HDFC Top 200 for Rs 2000/month….HDFC Top 200 is not performing well so I am planning to switch to another large or Mid and large fund. My invest plan is for next 5 years Please suggest.

     

    Regards,

     

    Sanjay 

    • Suresh says:

      Sanjay, Have patience. This is one of the top fund which gave 22% annualised returns in last 10+ years. It would take time to get returns in short term. If you still want to consider others, you can invest in ICICI Pru focussed blue chip fund or Birla SL Frontline equity fund

  121. Lal says:

    Hi Suresh,

    I have shortlisted the following 5 plans for investment for a period of around 3 years. Can you please provide me which amongst them is the best plan for investment and will provide a good returns. They are the followings –

    1). DSP BlackRock World Energy Fund (G)

    2). FT India Feeder – Franklin U.S. Opportunites Fund (G)

    3). ICICI Pru US Bluechip Equity Fund (G)

    4). L&T Global Real Assets Fund (G)

    5). JP Morgan Greater China Equity Off-shore Fund (G).

    Thank you.

     

    • Suresh says:

      Hi Lal, What you have chosen are global funds. They invest outside India. You have chose the funds which have performed well in last 1 to 3 years. But most of them are just one year old ones. There is no guarantee that they would perform consistently as the performance is yet to be measured across market conditions. Please pick-up funds which have atleast 5 years track record. Franklin Asia Equity fund or L&T Asia fund are some of the funds providing good returns in 5 years period.

  122. Somnath Bajpai says:

    Dear Suresh Sir,

    Im am novice in mutual funds.  Please let me know the difference between Diversified funds & Balanced funds & their risk profile?

     

    Thanks & Regards,

    Somnath Bajpai

    • Suresh says:

      Hi Somnath, Diversified funds are those which invest across various companies and across various sectors. They invest majorit in equity stocks and small amount in debts. These are good for long term as growth in various stocks would provide good returns. On other hand, balanced funds / hybrid funds are those which invests in stocks and debt investments. The risk in balanced funds is low compared to eqity funds. Hence if you are low risk taker, you can consider balanced funds/hybrid funds.

  123. RAKESH says:

    Suresh Sir,

    Please inform me which is the best sip in the future why becuse of my salary is low i invest for child marriage at least 15 years long  i invest 5000/- per month and which two is good sip ?

    Please give good advice

    I request to you sir

    I wait for your answer

    advance thanks to you sir

     

     

     

    • Suresh says:

      Invest in diversified and large cap funds such as HDFC Top-200, Birla SL Frontline, ICICI Pru focussed blue chip fund, UTI MNC Fund and debt funds like HDFC Prudence etc.,

  124. arghya says:

    Dear Suresh,

    Please guide me for the below investment plan.

    I was not very keen to invest in MF sometime back also, however after reading your articles got some conidence on it.

    I am 30 and looking for short to mid term investments. I am planning the below:

    1. Investment amount of Rs 2, 00,000 (Lumsum) for 2-3 years:

    Birla Sun Life Dynamic Bond Fund-G      40%

    Templeton India Income Opportunities-G 40%

    Reliance MIP-G                                         20%

    2. Investment amount of Rs 3,000 pm for 3-5 years through SIP,

    Franklin India Bluechip-G Rs 2,000

    HDFC Balanced Fund-G Rs 1,000

    Thanks in advance.

    Arghya

    • Suresh says:

      Arghya, Your are at 30 young age and why do you want to invest in short term funds. If you want to invest lump sum investment, invest in long term debt funds. However here are my comments 1) Birla SL Dynamic bond fund is short term debt fund. Avg fund. 2) Templeton india income opps is debt short term ranked by Crisil Rank-4. Below avg 3) Reliance MIP is monthly income plan where you get regular returns (may not be monthly). Good fund.  4) Franklin India blue chip fund is good. HDFC balanced fund is also good. You can also try HDFC Prudence fund if you are looking for hybrid funds. 

  125. Sreeparna says:

    Hi Suresh ,

    I am planning to invest a part of my savings in mutual fund through SIP system .

    I have selected two funds – SBI magnum FMCG fund (G) -2K for 3 yrs ,ICICI Pru FMCG fund (G)-2K for 3 yrs .

    Please suggest whether this will be a good investment fund with high return owning to recent downfall in market .

    I am willing to take risk in smaller denominations for higher return .

    Also please suggest similar funds which you think can give good return .

    Thanx ,

    Sreeparna

     

     

    • Suresh says:

      Sreeparna, You are choosing high risk investmetn optoins as sector funds can bounce back any time. These two funds are good. Instead taking both from FMCG sector, you can diverisfy by taking one fund from Pharma sector like Reliance Pharma fund. You should invest in diverisifed funds as such funds would balance their portfolio across multiple sectors and reduces the downside.

  126. jokula says:

    Suresh

    Though unrated the BSL – International equity has been performing well..esp now since the US economy is showing signs of revival. Would it make sense to have an SIP in this?

    • Suresh says:

      Hi Jokula, I agree. You can add single mutual fund under SIP in such international funds and limit this amount to not more than 5%. This MF invests in international stocks and hence world economic growth story can be encashed by us. However too much international exposure also poses a risk

  127. Sreeparna says:

    Hi Suresh

    I am new in Mutual fund investment and planning to invest in SBI Magnum FMCG fund (G)/ICICI Pru FMCG fund (G) through SIP system of  2K for 3 yrs for a high return on investment  .Need your suggestion whether this is the right time to invest in Mutual fund owing to the present market condition .

    Also to suggest me any other mutual funds with high returns for a period of 1-3 yrs  .

    Thanks

    • Suresh says:

      Sreeparna, I have just replied to your other article. If you are new to MF’s don’t invest in sector funds. You shoud spend some time to understnad their risk, before investing them. Please invest in diverisfied or large cap funds to start with. If you are looking for 1-3 years, invest only in debt funds like SBI Dynamic fund etc.

  128. K C Rana says:

    Hi Suresh,

    I want to open SIP in a mid cap i.e. Quantum Long term equity fund for 10-12 years.
    In accordance to volatile market ;Please suggest which option would be better:
    1.Fortnightly SIP or
    2.Monthly SIP

    regards,
    K C Rana

  129. Jaikrat says:

    Hello Suresh,

    I am 29, beginner in SIP. I want to invest for 5years (for down payments of my new home) and 15years(for other long term goals) in MFs through SIPs. Could you please sugest me few MFs so that I can get good returns. By now I can invest 4000pm (in both) but later I can increase it to 10000pm after 1-2 years. I have few commitments like marriage and all that in upcoming years. I can take risk.

    Regards
    Jaikrat

    • Suresh says:

      Jaikrat, If you wnat to invest for 5 years time frame, you can invest in debt funds only. Beyodn this you can invest in variety of funds. Invest in diversified and large cap funds such as HDFC Top-200, Birla SL Frontline, ICICI Pru focussed blue chip fund, UTI MNC Fund and debt funds like HDFC Prudence etc.,

  130. Pallavi says:

    Hi Suresh,

    I have a query on how to pick mutual funds. Normally, websites which compare different MF's rank them based on return during specific time periods. Normal tendoncy is to go for funds which have proivded better returns. However, a fund providing better return will be trading at a relatively higher NAV. So the expected return in future may not be similar to what happened in past. I would like to understand how to pick a mutual fund with these contradictory situation. I hope my query is clear.

    • Suresh says:

      Pallavi, Your understanding seems to be incorrect. e.g. if a new fund has come with NAV of RS 10. It’s NAV has moved from Rs 10 to Rs 11 in next 1 year. Means it gained 10%. Now let us take existing fund whose NAV is RS 100. The fund NAV would have moved from Rs 100 to Rs 115 in one year. The return is 15%. So what I am saying is it is immaterial whether NAV is high or low. It depends on fund performance or funds objectives. While you pick-up your fund, returns are only one of the parameter. You should consider the investmetn objectives, investment time frame, how Crisil or value research are rating such funds and how it has been performing in last 5 to 10 years. This shows that it is providing consistent returns in long run.

  131. deepak says:

    I like your articals very much. Reliance equity opportunities fund (Diversified) is good to invest your money but suresh ji i want to know about the Reliance pharma fund. how is the performance of this mutual funds ?

    • Suresh says:

      Deepak, Reliance Pharma fund is good. However please note that such sector funds are too risky. If you are high risk invsetor, you can invest in such fund.

  132. Nikhil says:

    Hi Suresh

    I am 33 years old and want to start a SIP of 10-15 thousand per month in 4-5 plans for my new born baby. My horizon is 10 years + and I have in the past avoided MF's but considering long term horizon I would want to invest for my child expenses. Please suggest the names of the plans where I could start investing. Help appreciated

    Nikhil

    • Suresh says:

      Nikhil, Invest in diversified and large cap funds such as HDFC Top-200, Birla SL Frontline, ICICI Pru focussed blue chip fund, UTI MNC Fund and debt funds like HDFC Prudence etc.,

  133. sriram says:

    Hi, suresh how are you doing…?

    i follow your blog it is very useful.

    at present i invest in sbi fmcg direct div plan thru sip 2500 pm,

    but now the fund is not perform well. its just 4 months i have started but still should i exit the fund or still continue for next 1 year?

    i know its high risk sector fund, i will wait …

    Plz give ur valuable advice

    thanks,

    Sriram

    • Suresh says:

      Sriram, It is not just FMCG sector, all mutual funds are in RED due to market conditions. don’t worry. Since you are already about the risk, stay invested. But my suggestion is to diversify your portfolio into diversified funds and sector funds so that you can minimise loss during such market conditions.

  134. saurabh says:

    First of all thank you very much for your nice article it is really very useful.
    I have done investment in some SIP but not getting any return.All are in RED only .
    Could you please suggest me should i stick with these or change some funds .
    Also in all these funds anyone is tax saving fund ?

     

    Below are the funds which i have invested around 1 year back :

    HDFC TOP 200 FUND         – GROWTH PLAN    –2000
    L and T INDIA LARGE CAP FUND     – DIVIDEND PLAN  –1000
    L and T INDIA LARGE CAP FUND     – GROWTH PLAN    –1000
    SBI BLUECHIP FUND         – GROWTH         –1000
    SBI MSFU FMCG            – GROWTH         –1000 
    SBI GOLD FUND             – GROWTH         –1000 

     

    Thanks in advance!!!

    Regards
    Saurabh  

    • Suresh says:

      Hi Saurabh, Due to market conditions, all equity mutual funds are in deep RED. Don’t worry as long as you are long term investor. Keep investing in each and every market dip. 1) HDFC top-200 is good 2) L&T large cap fund is average fund – would be good on long run 3) SBI FMCG – Sector fund, high risk, you can hold and invest if you are high risk investor 4) SBI Bluechip-Crisil ranks as 2, good fund, but you would benefit in long run 5) SBI Gold fund is just 1 year fund, we should wait and watch for performance. None of these funds fall under tax saving schemes.

  135. srichandra says:

    hi sir, i am 34 years old, new to invest in mutual fund. which funds to choose. please suggest, i can invest 3000/- per month

    • Suresh says:

      Srichandra, To start, invest in diversified and large cap funds such as HDFC Top-200, Birla SL Frontline, ICICI Pru focussed blue chip fund, UTI MNC Fund and debt funds like HDFC Prudence etc.,

  136. Arnab Roy says:

    Hello Suresh,

    I want to invest Rs 5000 per month on the mutual fund. I want to get a  high return after 4-5yrs, what are the suitable mutual fund for me?

    • Suresh says:

      Arnab, if you are looking for < 5 years time frame, invest in debt mutua lfunds only. Invest in SBI Dynamic bond fund or IDFC Dynamic bond fund etc. However you cannot expect good returns and they may be in range of 8% to 10% per annum only. You should invest for atleast 8 to 10 years in diversified or large cap funds if you really want to get good returns.

  137. Pradeep G. Rawat says:

    Dear Mr. Suresh,

    I would like to know in the current scenerio if I want to go for an SIP or a Mutual Fund what would be the best options . Kindly let me know other options as well.

    With thanks & regards,

    Pradeep G. Rawat

    • Suresh says:

      Pradeep, SIP is investing every month in a specific mutual fund. Hence Mutual funds and SIP’s are not different. May be you are referring SIP Vs single investment in MF ? If yes, you should look for SIP as this is a great tool to take care of market risks and provide good returns.

  138. Shruti says:

    Dear Suresh,

    This blog is very useful for a novice like me. My risk appetite is small and would like begin with short term investments in SIPs. Could you please suggest good SIPs for investing Rs 3000 – 5000/ month, preferably from ICICI and Axis? I will be grateful if you can also guide as to how these should be spread over a few mutual funds.

    Thanks and kind regards.

     

    • Suresh says:

      Shruti, If you want to invest low risk options, invest in HDFC Prudence fund (Balanced fund) or SBI dynamic bond fund (debt fund). You can expect returns of 8% to 12% (pre tax)

  139. Ammireddy says:

    Hi Sir,

    Very good artical and informative. thank you very much… i just want your confirm about my decision on these funds..and i'm not ready to take high risk but expecting decent returns as i'm a father of 2 kids. the funds are

    HDFC Top-200 –1000/- pm
    Franklin India blue chip –1000/-pm
    Reliance regular savings fund -growth —1000/-pm

     

    Thanks,

    Ammireddy

    • Suresh says:

      Good funds. Pls note that first 2 are large cap funds and last one is ELSS tax saving fund. means you would be eligble to claim tax benefit u/s 80C.

  140. sandip patel says:

    Dear Sir,

    I am Sandip Patel. First of all thank u very much for doing such a great job of educating people like us about personal finance. Your articles are very nice, very informative and to the point. I follow your blog since 5-6 months. From your insipiration, I am going to start my investment in mutual fund through sip. I have selected the below funds. I request you to review my fund selection.Is it good or need any correction? I am 30 yrs old and having a baby 15 months old. This is for her education and marriage.

    ICICI PRU FOCUSED BLUE CHIP FUND- DIRECT PLAN(G)- PURE LARGE CAP- Rs. 1000

    UTI OPPORTUNITIES FUND- DIRECT PLAN(G)-  LARGE & MID CAP- Rs. 1000

    BSL MNC OR SBI EMERGING BUSINESSES FUND- DIRECT PLAN(G)-   MID AND SMALL CAP- Rs. 1000

    RELIANCE EQUITY OPPORTUNITIES FUND- DIRECT PLAN(G)-   DIVERSIFIED MULTI  CAP- Rs. 1000

    I am confused between BSL MNC and SBI EMER. BUSI. FUND. Which fund I should select? Also what about other fund.Can i go for it?

    Please reply asap.

    Thanks in advance.

     

    • Suresh says:

      Sandip, Good to go. Regd second query, you can choose BSL MNC. Third query, I could not understand, did you mean selecting other funds from this article. You can do that. But you should note the risks involved before doing that. 

  141. Lal says:

    Suppose i invest Rs. 50000/- for 1year , 2 years and 3 years respectively and earn a return of 25%, 10% and 15% respectively after the end of each term. How much will i get after the end of each year? Which one is more beneficial according to this? Thanks.

    • Suresh says:

      It is simple math. 1) Rs 50,000 for 1 year @ 25% would yield Rs 12,500 2) Rs 50,000 for 2 years @ 10% would yield Rs 10,500 by end of 2 years 3) Rs 50,000 for 3 years @ 15% would yield Rs 16,550 by ebd if 3 years ( all are compounded). Your question is which is beneficial. It should always be rate of return i.e. 25% and not interest amount. 

      • Raj says:

        Suresh,

        I am new to Mutual fund investment. I am planning to invest through SIP on any 2 of the following mutual funds.

         

          1. Reliance Pharma Fund (G)

        2. ICICI Prudential Banking & Financial Services Fund – Retail Plan (D)

        3. SBI FMCG Fund -Direct Plan (G)

        4. HDFC Top 200 Fund (G)

        Please advice me to any choose two of the mutual funds. Kindly let me know any other mutual funds is good to invest through sip

        • Suresh says:

          Hi Raj, You are new, hence you should start with safe mutual funds to start with. ICICI Banking fund or SBI FMCG fund or Reliance Pharma fund are high risk, high return investments. Since you have just started, you should not regret later on. Hence start investing in like HDFC Top 200 fund or ICICI Pru Focussed blue chip fund or HDFC prudence fund. Once you understood how all mutual fund works, you can take risk and invest them in high risk funds too.

    • Anand Sagar says:

      Dear Sursesh,

      I request you to please clarify my doubt regarding: Is now investing in Gold ETF is a better option for long term say about 10 years. Is Axis Bank Gold ETF a good one?

      As compared to Gold ETF shall I invest in – Axis Long term Equity Fund (G) Direct.

      One more clarity I required from you…I have 12 years left for retirement….is investing in NPS is a better option or should I grow my PPF account.

      Thanking you. Awaiting your response.

      Regards,

      Anand Sagar

      • Suresh says:

        Hi Anand, All gold ETF’s track underlying gold, however the only difference is expense ratio. I observed SBI Gold ETF has lower expense ratio, hence I keep recommending this. All others they are little higher. Gold ETF’s are different from equity funds. Equity funds invest in stock markets and hence they are risky. If you are long term investor, invest in Axis long term equity fund. Regd retirement, you can choose any of them. PPF has more flexibility compared to NPS. However both are good

  142. palash says:

    what should i do for HDFC gold fund(G)

    is there any prospect to good return on this fund,investing through SIP from nov 2011 

    • Suresh says:

      Palash, I would recommend to invest in Gold ETF’s instead of Gold Funds. You can consider taking SBI Gold ETF or Reliance Shares Gold ETF. HDFC Gold fund is good, but comparatively ETF’s are better.

  143. md basha says:

    please suggest best books for stockmarket and mutualfunds for beginners.thanks you sir.

     

     

  144. Dass says:

    Hello Suresh,

    An year back i made an lumpsome investment of 50K thru' a broker in a mutual fund (SBI Gold Fund-Regular Plan Growth). Am also investing in UTI infra by SIP. Now am in a fix weather to sell or keep the funds!! If i do how do i sell the same?? Please advice

    • Suresh says:

      Dass, SBI Gold fund is just one year old. We cannot say how it would perform in future. UTI Infra is a purely mis sold fund from your broker Don’t invest any more thru SIP. You can cancel it. If you want to book losses, you can come out by selling existing units. You should check where are your mutual fund units. If the broker has given some login details, login and sell them, else consult your broker.

  145. AMAR SINGH says:

    Dear Sir,

    i have around 58k per year premium for LIC.

    now i would like to invest around 3k/month in SIP. i have done some R & D, but still would like to know how can i start with and whiich SIP to goo for.

    Thanks and regards,

    Amar Singh

    • Suresh says:

      Amar, What are the funds which you found to be suitable based on your R&D. It would have been better if you have specified them. You can invest in large cap and diversified funds like HDFC Top-200, Birla SL Fronline, ICICI Pru focussed blue chip fund, Reliance Equity Opps fund etc.

  146. Ankita says:

    Hi,

    My name is Mrs Ankita and 46 year old. I want to invest in SIP of 20K/month. I am not much aware in which i have to invest. Kindly suggest me on this

    Regards

  147. Anup says:

    Hi Suresh,

    Thank you once again for all the brilliant information you are providing a lot of us. 

    I have a lumpsum amount to invest, over a long term (say 7-10 years). I intend to invest 50% of the amount in equity based mutual funds (large-cap, diversified and balanced) funds. And the remaining 50% in debt funds and bank FDs. 

    Can you please let me know how many funds in each of these categories (large cap, diversified, balanced and debt funds) do you suggest to have sufficient diversification?

    Thank you very much. 

    Kind regards,

    Anup

    • Suresh says:

      Anup, You can choose 2-3 funds in each category.

      • Anup says:

        Dear Suresh, 

        Thanks once again for your response. 

        I have done some research and have come up with the following list of Mutual Funds. I now have 2-3 funds from each category and have tried to have a good mix of investments in the different market sectors (banking, oil and gas etc.). I am planning to invest an equal amount per month in each of these funds on a long term basis.

        SBI dynamic bond fund

        Birla SL short term fund

        ICICI Balanced fund

        TATA Balanced fund

        Reliance equity opportunity fund

        UTI MNC fund

        TATA Ethical fund

        ICICI Pru focused bluechip fund

        UTI Opportunities fund

        Can you please let me know how the list is and whether these are too many Mutual Funds in it? 

        I must thank you once again since I have very often headed back to your website to get the list of funds you suggested and found these lists and information very useful. 

        Kind regards,

        Anup

        • Suresh says:

          Anup, I prefer to have 5 to 7 max. But that’z ok as it may also diversify. All are good funds. BTW how is our blog and what improvements do you suggest?

          • Anup says:

            Thanks for that Suresh.

            I believe your blog is doing very well. I, in particular, like the prompt and really honest opinion you give us. Assuming that you get a few hundred comments every day, I understand this is a big task.

            Another thing I like is the mix of topics you write on, which gives us a wider perspective of things. Also, the way the blog is organised makes it quite easy to search for older posts.

            Good going!

            Anup

          • Suresh says:

            Thanks Anup for your encouraging comments. 

  148. abhishek ganguly says:

    hello sir,

               your article is very very well written and your investment tips very informative & helpful. i am a doctor and married recently. im 30 and want to grow my money. can go for high risk.i have invested in last 3 years in the following funds:

    1.bsl frontline equity fund-growth-regular plan rs.1000/- p.m. sip

    2.bsl midcap plan -growth rs 1000/- p.m. sip

    3.bsl tax relief'96 -growth rs 1000/-p.m. sip

    4.reliance regular savings fund -growth rs 1000/- p.m.sip

    5.reliance diversified power sector fund-growth rs 1000/- p.m. sip

    also ,from feb 2013 i have started investing in

    6.icici pru tax plan-growth- rs 3000/- p.m. sip

    pls give some tips that cd b helpful…

    • Suresh says:

      Abhishek, Some of the funds, you can review and switch/redeem like BSL Midcap fund, reliance diversified power fund, ICICI pru tax plan. If you are looking for tax relief invest in Axis long term fund or HDFC long term tax advantage fund etc.

  149. sumit joshi says:

    Dear Suesh Ji,

    I have the following schemes in portfolio:

    Sundaram select focus since dec 2008 

    tata equity PE fund since dec 2008

    L&T india special situations since 2006

    HDFC top 200 since dec 2008.

    in between i bought a few funds and sold them off as well.

    now i am planning to enter again with a cautious amount of Rs 5/6000 pm

    request guide me regarding how to go about the same and the funds to choose.

    regards

     

    • Suresh says:

      Hi Sumit,  1)Sundaram select focus – is below average fund. Crisil ranks as rank-5. You should come out and invest in other funds 2) Same with Tata PE fund-Criskl-4, below average fund 3) L&T India situations fund, you can stay with it. Crisil ranks-2 and returns are good 4) HDFC Top-200 is good one which yielded more than 20%+ returns in 10+ years. My suggestion is to add Birla SL Frontline, Franklin India blue chip and HDFC Prudence funds in your portfiliio. you can also add ICICI Pru bluechip fund or UTI Opps fund

  150. murali says:

    dear mr. suresh,

    after lot of R&F selected below MFs, please guide and after hearing from you i vl start investing.

    i am 36 years old and my investment plan is for long term wealth creation say invesetment for 20+years @ 1000/per month in each MF thru SIP.

    ICICI Pru Focused Bluechip Eqty (G)

    Birla SL Frontline Equity -A (G)

    UTI Opportunities Fund (G)

    Reliance Equity Oppor – RP (G)

    IDFC Premier Equity – A (G)

    SBI Magnum Emerging Busi (G)

    Birla Sun Life MNC Fund (G)

    ICICI Pru FMCG Fund (G)

    OR

    SBI FMCG Fund

    &

    Reliance Pharma Fund (G)

    OR

    SBI Pharma Fund (G)

    best regards,

    thanks murali

  151. Santosh says:

    Hi Suresh ,

    Had invested in Sundaramam select midcap fund 4-5  years back in SIP . Currently how this fund is performing and should i stick to it? for past 1 -2 years this doesnot seem to perform very well.

     

    regards

    Santosh

     

    • Suresh says:

      Santosh, This is a mid-cap mutual fund. Crisil ranked this as Rank-3. The returns are average. You can take a call and exit appropriately

  152. gopal says:

    Dear expert,

           I want to invest 4-5 lac . and want  monthly return  6000 to  10,000  but i have no idea where  to invest .looking for safe and short term investment in monthly wise. please guide me……….thanks

  153. Hitesh Kakkar says:

    Dear Team

    I am new to mutual fund  investment and wish to invest around 10k-12k per month.

    Looking for guidance on the same.

     

    Regards

    Hitesh (9813569053)

    • Suresh says:

      Hitesh, It depends on what kind of investor you are? If you are high risk investor, you can invest in sector based funds (SBI FMCG or SBI Pharma) or largecap/diversified funds like Birla SL Frontline or HDFC top-200 or ICICI Pru focussed opps or UTI Opps. If you are moderate risk investor, just invest in diversified funds and hybrid funds (HDFC Prudence or ICICI Balanced fund or HDFC Balanced fund). If you are low risk investor, invest in debt mutual funds (SBI Dynamic bond fund or IDFC Dynamic bond fund) and hybrid funds.

  154. chandan says:

    Hi Suresh, I am impress by your report. It's very helpful for investors. I am planning to invest in Reliance MF equity. I have trust on Reliance.

  155. Souvik says:

    Dear Suresh, I am investing  rs 1500 in HDFC prudence(G) for the last 2.5 years, there has been a very little profit that I have earned. As I am 25 years old, with no dependency, I wish to invest in a growth fund, which can give me high return,and I am not bothered about the risk. Kindly suggest which SIP I should go for.What exactly I am looking for is a 20% hike in the invested amount atleast after 2 years.

    • Suresh says:

      Souvik, HDFC Prudence is a good hybrid fund. You should stay invested in such good funds where the risk is low comparing to other equity funds. Don’t look for 2 years performance as it is short term. Mutual fund investments are good for long term. If you are looking for 15%+ returns, you should invest in combination of large cap, diversified, sector based funds and balanced funds. Pickup such funds from this artilce as well as from 5 best mutua funds article I published this week.

  156. Anand Sagar says:

    Dear Suresh,

    Thanks for the insights provided. As of now I don't have any SIP, need to start now, at 45 I understand I am too late. Will you please suggest me some funds thru which I can build some corpus. As of now I can invest 10000.00 including Gold ETFs.

    Please also suggest me in which Gold ETF I should start SIP. Is egold option better & How.

    Thanks

    Anand Sagar

     

    • Suresh says:

      Nothing is late Anand. You stil have 13 to 15 years time to build corpus. Please invest in diverisifed or large cap mutual funds. Please refer this article where these mutual funds are getting consistent returns. http://myinvestmentideas.com/2013/07/best-mutual-funds-to-invest-in-india-with-solid-and-consistent-returns-in-long-run/ If you want to invest in gold ETF’s invest in SBI Gold ETF or Reliance Shares Gold ETF

      • Anand Sagar says:

        Dear Suresh,

        Thanks for your prompt reply.

        I am little confused either to choose from Top 10 MF or Best 5 MF w.r.t. your blog.

        I would like to invest 5000/- in MF as SIP & 5000/- as Gold ETF. Is this a good balance to build corpus.

        Please suggest.

        Regards,

        Anand

        • Suresh says:

          Anand, Top-10 has all categories of mutual funds like large cap, diversified, sector based, balanced, debt funds. But Top-5 list has consistently performing large cap funds. You can choose either list based on your risk appetite.

        • Anand Sagar says:

          Dear Suresh,

          Please advice me how about investing Rs.5000/- p.m. as SIP in HDFC Long Term Advantage Fund (ELSS) in Dividened pay out option for 14 years.

          Regards,

          Anand Sagar

          • Suresh says:

            Hi Anand, this is a good ELSS fund. Crisil rated this currently as Rank-2. The returns are also good in last 5 years. You can stay invested. BTW, how is our blog and what improvements in this blog would excite you. I would love to hear suggestions from you.

          • Anand Sagar says:

            Dear Suresh,

            Your blog is awesome, as shared earlier provides flash to invest in MFs without self nose diving. Your expertise in assessing the funds is good & is helping many. 

            In the coming days if you can publish an assessment to understand any pension policy to be taken or how one can be benefitted in the form of pension fund, that will be too good to plan the future.

            Regards,

            Anand Sagar

          • Anand Sagar says:

            Dear Suresh,

            I browsed & found out that 'Axis Long Term Equity Fund – Dividened' is Ranked 1 by Crisil as against 'HDFC Long Term Advantage Fund – Dividened which is Ranked 2.

            Will you please suggest me to take a decision. I can invest Rs.5000/- in ELSS.

            Regards,

            Anand Sagar

          • Suresh says:

            Anand both are good. As I said earlier, a mutual fund scheme can move from Rank-1 to Rank-2 and we need not worry on that unless there is drastic change in ranking.

  157. Sandeep says:

    Hi,

    I am new here, I am 32 yrs and planing to start a SIP (Rs 2500) to start with. Any suggestion are welcomed.

     

    Thanks is advance for your help.

  158. sameer says:

    hi suresh;
    last time I had your valuable reply . I have cleared my car loan. now I have to invest rs. 10000.00 in mf sip .so PHP suggest top muatual funds . pl. tell me that appx. how much I will get after 15 years. thanks.

  159. santosh says:

    Hi Suresh ,

    Thank you very much for your informative articles and creating awareness.

    Need your advise wrt to my SIP portfolio. ( Can invest upto 30000/month in SIPs) – Rest around 8 k in PPF

    HDFC top 2000 Gr- 3000

    Uti opp Gr   -4000

    Franklin Templ Bluechip Gr- 3000

    Reliance pharma – 4000

    SBi Pharma -4000

    Aim is to receive 1 crore or more in 10 years time frame . ( All sips are keeping 10 years time frame)

    Do let me know if the above allocation looks fine or any chnages required.

    Also the reamining 10-12000/month  am planning to put in SBI gold etf . Will that be good idea or any other funds you suggest . Risk profile – mostly moderate and  high in few cases

    regards

    Santosh

     

    • Suresh says:

      Santosh, Good to go. Also invest in Gold ETF’s in small portion as still we do not know the direction of the Gold prices. Instead of investing in 2 sector based funds in pharma sector, instead of SBI Pharma you can invest in SBI FMCG (which is also sector based fund).

  160. omer says:

    hello sir,

    i invested in icici prudential in , for more than three years , of early 1 lakh ,, and later i withdraw the amount with i invest 3 lakh , the return i got is only 12000 Rupees extra .. i was very angry on the bank of icici ..

    now agin i want to invest for 5 years max. and my amount is 1 lakh per year, or 5 lakh in one invest… so which is suitable for me  and 0 percent of risk,, and high return.. i have a daughter and i want this money to take back after 5 years so i can arrange her marriage ..

    thanks

    looking for your best answer

    omar

    • Suresh says:

      Omer, if you are looking for zero percent risk, you can invest in bank FD or Post office Schemes. If you take small risk, you can invest in Debt mutual funds too which gives returns higher than bank FD. BTW, I am curious to know the ICICI pru scheme which you invested. Can you pls let me know so that I can check and do some analysis on that too ?

  161. Sujash says:

    Hi Suresh

    It has been long since I have been following your blog. These are nice, apt and informative ones. Meanwhile, I couldnot resist myself to ask your opinion about my fund choices. I started investing in mutual funds 2 months back and have chosen couple of funds on SIP

    ICICI Pru Balanced Fund- 1500

    UTI MNC Fund- 2000

    Birla Sunlife India Gennext Fund- 2000

    and Reliance Banking Fund- 1000

    However, I have a plan to shift to UTI Opportunities Fund from the Relaince Banking Fund in future. In addition, I am thinking about having SBI Pharma Fund in my portfolio.  Please let me know if I am walking towards a right direction. Thanks

    • Suresh says:

      Good to know Sujash that you are following our blog regularly. I feel following regularly for such informative blogs would enhance your knowledge so that you can take wise investment decisions at right time. 1) ICICI Balance is good 2) UTI MNC Fund is also very good fund 3) Birla SL Genext is also good fund. 4) Reliance banking is sector based fund. High risk, high return. Similarly you are planning to add SBI Pharma, this too is a sector based fund and high risk and high return. If you want to take high risk taker invest in reliance pharma instead of SBI Pharma. AUM of SBI Pharma is Rs 66 Crores only wheras for Reliance Pharma Rs 652 Crores has been invested by investors which shows high confidence. The annualised returns in last 5 years for SBI Pharma is 18% wheras for Reliance it is 27%. In short period of 1 year the returns of SBI Pharma might be tempting, but you should look them from long term.  UTI Opps fund is also good fund to invest. Please refer our today’s article on 5 best funds which gave solid returns in last 10+ years. You can choose few from them too

      • Sujash says:

        Thanks for your suggestions Suresh. After these couple of months my portfolio has been changed a bit and it is as follows

        Mutual Fund

        1. ICICI pru Balanced Fund- 1,500

        2. ICICI Pru Exports and Other Services Fund- 2,000 

        3. UTI MNC Fund- 2,000

        4. UTI Opportunities Fund- 2,000

        5. FT India Feeder US Opportunities Fund- 2,000

        What do you think of this profile. Meanwhile, do you think that I should have any pure large fund in my portfolio instead replacing one of the above mentioned funds? I am now into thses funds for last 4-6 months. 

        Stocks- I am buying them as and when I find the value a liitle cheap. I am holding 10 ONGC bought at a price of 261 and would like to introduce more such stocks. 

        • Suresh says:

          ICICI Balanced and UTI MNC Fund or UTI Opps funds are good. ICICI Pru exports fund is risky as it invests in Pharma and IT sector. Due to IT sector booming because of rupee depreciation, you are seeing good returns, they may or may not last for long term. If you want you can still take risk and invest. FT Feeder fund is new fund, looks good as of now. Yet to evaluate performance in long run. I would not provide advice on stock investments at this time.

  162. SanSu says:

    Hello Suresh,

     

    While searching for Mututal Fund guidance i saw your forum , I hope my queries will be resolved here .

     

    I am 30 yrs old , i am investing in SIP's since  October 2012 

    Belor are my SIP Investment 

    Canara Robeco Equity Tax Saver – Regular Growth -2,700.00rs  PM.

    DSP BlackRock Top 100 Equity Fund – Regular Plan – Growth-2,600.00rs PM 

    -HDFC Top 200 Fund – Growth-3,300.00rs PM 

    -IDFC Premier Equity Fund-Growth-(Regular Plan)-3,300.00rs PM 

    I am not a Financial expert with limited knowledge on MF's . 

     

    Any help on this will be much appreciated .

     

    Thanks 

     

    These funds were suggestd by from colleague of mine . 

     

    Could you tell me if these funds are performing better ,if any switch  required ,could you suggest me alternative funds for the same , 

    • Suresh says:

      Hi San Sar, HDFC Top-200 and IDFC Premier are good.  Can robeco is tax saver, good one you continue. DSP Top-100 is underperformer, you my revisit. There are several other funds you can choose from diversified mutual funds for long term investment

      • SanSu says:

        Thanks Suresh for your information .

        Your selfless attitude is helping people like me and may be others as well . 

        Ive been reading each and every post and comments and gaining lot of knowledge and  preparing according to it . 

         

        As per your suggestion with Diversified funds 

        I have chosen ICICI Prudential Dynamic Plan (G)  & reliance equity opportunities fund , i will select either of this two finally .

        I have another query for my Father who is retired 2 years back Age 62 . He is getting monthly pension and wanted to invest some  amount ( he would start from 1000rs as he was not  confident on MF's and more interested in RD & FD) after my education he is interested now . 

        I would like to know which MF's are best suited for the retired person and which category or which fund should he pick ? .

        Thanks in Advance ! .

         

         

        • Suresh says:

          Hi Sansu, There should be specific need for your father investment. Since your father is retired, he might be expecting some regular returns for his expenses. He can consider taking MIP Mutual funds as they provide regular income (not compulsory). You can pick-up top mutual funds for this. I am posting few MIP mutual funds early next week. You can review and invest.

  163. sundar says:

    Hi Suresh,

    I am planning to invest 6000/- per month in mutual funds for long term like 15 years. Please tell me what would be return amount after 15 years. Also tell me if it is taxable. Also suggest me the best mutual funds i must choose to invest my 6000/-. Thanks in advance. Waiting for your precious comments.

  164. Rakesh kumar says:

    Sir it is very pleasure to reading your artical .

     i have presently invest SIP of

    1)Axis equity Rs.1000

    2) HDFC Top 200 Rs.1000

    3)BLS frontline Equity Rs.1000

    4) DSP Blackrock top 100 Rs.1000

    and lum sum investment of Rs. 25000 in Reilance money mgr  and  shriram transport Subhiksa Bond  Rs 80000

    now i plan to  more SIP for

    1) SBI pharma Rs 500

    2)Reilance FGCG Rs. 500

    3) JP Morgan Asean Equity Rs 500

    4) IDFC SSIF Bond fund Rs. 1000

     

    Pls justify my investment plan

     

     

     

    • Suresh says:

      Rakesh, DSP BR Top-100 is underperformer, you can revisit. Other 3 are good. Second set is little interesting. You have chosen high risk investments like FMCG and Pharma. 3rd one is Asean equity which is global fund and last one is debt mutual fund. First 3 are high risk and 4th is very low risk. You can invest in diverisifed mutual funds to balance your portfolio

    • Rekesh kumar says:

      sir pls. comment on my  reliance money mgr and subhiksha bond investment

      • Suresh says:

        Rekesh, Reliance money manager MF is ultra short term fund. You can invest this for short term only. Subhiksha bond is a Sriram NCD which is secured NCD offering 10% to 12% interest rates. Since it is NCD, capital is secure and you are anyway getting good returns which are higher than bank FD :-)

  165. seshadri says:

    Dear sir,

    I am 30. Already investing in Mutual funds through SIP. Following is my portfolio. Kindly give me your suggestion. I would like to invest another 6000 per month in 2-3 mutual funds. I would like to invest for long-term.

    1. HDFC top 200 – 2000 per month

    2. SBI magnum contra-2000 per month

    3. Sundaram select mid cap-2000 per month

    • Suresh says:

      Seshadri, HDFC Top-200 is good, SBI Magnum-Contra is diverisifed-Average fund. Sundaram Select midcap is avg fund. You can select other good funds in diverisified and mid-cap sector.

  166. sameer says:

    hi suresh,
    I have a car loan of emi 7000/- ,two years left. should I clear it & invest the same amount in sip. which will be profitable please suggest.

    • Suresh says:

      Sameer, Any loan, when you pay EMI’s, in initial period, there would be large amount of interest and small portion of capital repayment. Similarly when you reach your end of the loan, you are paying only principal as interest is already collected by banks. Out of 5 years, if you paid for 3 years and need to pay for 2 more years, if you have surplus money, please pay off so that you can invest your money in better investment options. 

  167. Kunal says:

    Hi Suresh,

    Greetings !

    Im 36 & wish to start investing in MF's here on after having fulfilled my target for NSC's and FD's
    although im a moderate risk taker ,my prime aim is to build a fairly large retirement corpus in next 24 years, also dont wish 2 spend my time on daily basis checking the rise and fall of NAV's ( say once a month max would be fine , bottom line want to invest but no stress. )

    below are the the MF's and corresponding sum (total 20kp.m )I plan to invest 
     

    1-ICICI PRU FOCUSSED BLUE CHIP- 3K p.m
    2-HDFC TOP 200- 3K P.M
    3-BIRLA SUNLIFE FRONTLINE- 3K P.M
    4-FRANKLIN INDIA 200-3K P.M

    5-RELIANCE EQUITY OPPERTUNITIES FUND-2K P.M
    6-UTI EQUITY FUND-2K P.M

    7-SBI DYNAMICBOND FUND- 2K P.M
    8-RELIANCE DYNAMIC BOND FUND- 2K P.M 

    Also i wish to invest 15% of my annual income in buying gold etf's 

    please feel free to lend ur prudent suggestion and correct my action plan as you deem fit.

    Valued suggestions and insight expected.

    Thanking You in anticipation.

    Good day to you.

  168. Varun says:

    Dear Suresh,

       I want to invest 5000/- to 8000/- per month for next 7 yrs with moderate risk. Pls suggest best possible portfolio for such SIP.If I want to generate 1000000/- by SIP in 7 yrs what should be the investment plan and figure to invest? Apart from conventional planning like RD, FD, PPF, NSC etc what should be the best investment strategy for children higher education purpose?

     

    regards

    Varun

     

    • Suresh says:

      Varun, invest in a combination of large cap, diverisified and sector based funds (small portion) and debt mutual funds or bank FD. You would achieve your goal.

      • Varun says:

        Dear Suresh,

         Thanks for reply. I do not have much knowledge MFs. Till now whatever my broker told I invested in those for tax saving purpose. As SIP is a different case so pls let me know which are good in different segments you suggested to invest. FDs and RDs wise I have no doubts and I am already using such instruments. I just want to use market to get 10 Lacs in 7 Years (if possible with moderate risk). If I start RD for lets say 8 KPM than in 7 yrs I can easily get min. 8 Lacs in 7 yrs. For that 2 Lacs difference I want to use market. Pls suggest name of MF with ratio of amount to invest.

        regards

        Varun

         

         

        • Suresh says:

          Varun, since you are moderate risk investor, invest in diversified and large cap funds. You can pick-up from the top ones which I have listed. 

  169. Peter says:

    Hi Suresh

    Thanks for the very informative website. I'm 38 and want to invest in MFs for my 2 children with a 10 to 15 year investment horizon. I don't have any liabilities. I'm planning on doing a lumpsum investment and also a month SIP of Rs 25,000. I have identified the following plans. Please let me know if these look OK with a long term perspective.

    1) Axis Equity fund (G)

    2) Birla SL GenNext (G)

    3) UTI MNC fund

    4) ICICI Pru FMCG (G)

    5) SBI Pharma (G)

    6) Birla SL MNC (G)

    7) ICICI pru US Bluechip Equity fund (G) or FT (I) Feeder-Franklin US Opp. (G)

    Many Thanks

     

     

  170. s k agarwal says:

    sir presently i am investing Rs 4000 in SIP as under-

    2000/- in HDFC TOP 200

    2000/- in Frankline Bluechip Fund.

    Both for long term say 10 years.

    Now i also want to invest further Rs. 4000/- please tell me in which SIP i should consider. I am thinking following new SIP-

    Reliance Equity Opportunity & ICICI Pru Focusserd Bluechip.

     

    Pl advice

  171. Sim says:

    Hi Suresh,

    My husband and I would like to build a retirement corpus in 27 years. He's 34 and I'm 33 years old. We're looking at building appx 50% of this corpus by starting SIP's. Which mutual funds would you recommend for investing 20,000 per month.  I'd like to go with HDFC etc however I'm struggling to pick exact funds. Can you please recommend? 

    • Suresh says:

      Hi Sim, If you are moderate risk taker, you should diversify your portfolio in large cap mutual funds, diversified mutual funds and part in debt mutual funds. Large cap-ICICI Prufocussed blue chip, Franklin India blue chip, HDFC Top-200 are good; Diverisifed-Reliance equity opps fund, UTI equity fund are good. In debt mutual funds, you can invest in SBI Dynamic bond fund, IDFC Dynamic bond fund, Reliance dynamic funds are good.

  172. Sooraj says:

    Dear Mr.Suresh,

    I'm 33yr old and doing business. want to invest in SIP and can make 10000pm. i can take some risk too. kindly suggest me some SIP's as i'm never invested in SIP's.

    R'ds,

    Sooraj

    • Suresh says:

      Sooraj, Since you are moderate risk taker, you should diversify your portfolio in large cap mutual funds, diversified mutual funds and part in debt mutual funds. Large cap-ICICI Prufocussed blue chip, Franklin India blue chip, HDFC Top-200 are good; Diverisifed-Reliance equity opps fund, UTI equity fund are good. In debt mutual funds, you can invest in SBI Dynamic bond fund, IDFC Dynamic bond fund, Reliance dynamic funds are good

  173. axiskumar says:

    Hi Suresh,

    I am planning to shift from ICICI PRu Discovery fund to ICICI focussed blue chip fund.

    As ICIC PRu Discovery returns are not good compamred to ICIC focussed blue chip fund.

    Can you please let me know you suggestion on this please..

     

  174. Sridhar says:

    Hi Suresh,

    Following your blog and it is really a one stop solution for personal investor. I would like to start a Monthly SIP in the following mutual funds. I am 39 years old and want to invest in the next 3 years in these funds, will extend based on the returns and the fund perfomance.
    1. ICICI Pru focused blue chip fund (Large cap) – Reg Growth: Rs-1500 pm
    2.UTI Opportunities Fund(G) – Rs. 1,500 pm
    3.SBI Emerging Businesses Fund-Reg(G) – Rs. 1,000 pm
    4. HDFC Balanced – Rs 1000 pm
    5.Reliance Equity Opportunities Fund(G) – Rs. 1,000 pm
    Kind request to suggest or alter any of the above funds and their amounts to support proper portfolio balance.

    Thanks a lot for your great initiative.

     

    • Suresh says:

      Sridhar, Good to go. Also you can in multi-large cap such as birla sunlife frontline or HDFC Top-200 mutual funds too. These have been there for long term and providing consisting returns. They can add value to your portfolio in longer run.

  175. Amit says:

    Hi Suresh,

    First of all, nice to see your prompt response on all Queries.

    I am 28year old working professional and would like to invest approx. 4-5K per month either in FD/RD, PPF or Mutual Funds. But very confused in short term investment.

    Can you please help me to understand how to start investment safely and smartly?

    • Suresh says:

      Amit, At your youngage, you can take moderate to high risk to get high returns. To start, you invest in Bank RD with say Rs 2,000 per month. Balance Rs 3K invest in mutual funds. Select diversiifed and debt mutual funds from the listed ones. Once you are familiar with mutual funds, you can invest in high risk mutual funds like sector based mutual funds and mid-cap/small-cap funds.

  176. Mahima says:

    Hi Suresh

    Very informative blog. I am a 30 year old married women. I want to invest in SIP (around Rs 5000). part of this for long term and part for short term.

    Can you please suggest how should i go about it

    Thanks a lot

    • Suresh says:

      Mahima, If you are looking for short term, my suggestion is go for debt mutual funds. You can invest in SBI Dynamic bond fund, IDFC Bond fund and Reliance Dynamic bond fund. For long term, you can invest in diversified and large cap funds like HDFC Top-200, Birla Sunlife Frontline fund, UTI Opps fund, Reliance Equity opps fund etc.

  177. DINESH HIRANI says:

    Hi,

    I have borrowed Loan of rs 42 Lakh, with EMI of Rs42,000 PM, I can save Rs 30000 over and above my EMI, i want to plan my investment in such a way that i get rid of the housng loan in 7 years.

    Please suggest suitable SIP, RD, or any other instrument of investment.

    Regards

    • Suresh says:

      Dinesh, Please invest in largecap, diversified and FMCG/Pharma mutual fund (upto 10% of portfolio) among the funds I recommended in this article. You should be able to make 9% to 15% annualised returns. To diversify your portfolio, you can add 10% in RD account also.

  178. Prashant says:

    Hello Sir, Hope you are enjoying your weekends. I am reading your blogs since 2 months and its really very informative towards MF investment. By reading your blog now willing to invest in MF for first time and I have few query. 1) I need to achive the goal of 3 Lac in 1.6 years so please let me know in which mutual fund I should invest.(I would like to invest only in low risk plan) so please help me accordingly. 2)Apart form this I would like to invest 5,000 p/m in Mutaul though SIP so please let me know what are the mutual fund would be good fit for me.(Again I would like to invest only in low risk plan)   Thanks in advance  Prashant 

  179. Santosh says:

    Hi Suresh,

    I am new to SIP investments. I have been investing in properties quite some time. I would like to start investing in mutual funds as well. I live in USA. As a biginner, for 10 years investment, could you suggest some plans so that It would help me to explore and start investing..I appreciate your help.

     

    • Suresh says:

      Sanoths, NRI’s can invest in mutual funds. Please refer our article published this week on how to open an account mutual fund account and invest. Invest in diverisified and large cap funds to start with. Once you are familiar, you can invest in other funds too.

  180. chandan says:

    Hi Suresh,

    I regularly following your article.With the help of your article I have invested in 

    BSL Genxt

    SBI emerging bussiness fund 

    ICC prudential fund.

    Now I would like to invest INR 50000 in Bond.

    Could you guide me?

    Good investment option.

    Regards,

    Chandan Pandit

    • Suresh says:

      Chandan, Are you referring NCD Bonds ? These are some what secured ones. But instead invest in other options like bank FD ( (I feel there is no much difference in returns)

  181. Aparna says:

    Sir,

    I am 32 year old and have not yet invested in MFs.

    I earn around 1.05 gross per month and wanted to invest around 15000 per month over and above my PF fund.

    These are the plans I am planning to invest in –

    1. SBI Magnum FMCG – Rs 2000/-
    2. UTI Opportunities Fund – Rs 2000/-
    3. SBI Magnum Emerging Fund – Rs 2000/-
    4. Axis Equity Fund – Rs 2000/-
    5. SBI Magnum Balanced Fund Growth – Rs 1000/-
    6. Edelweiss MIP Growth – Rs 1000/’
    7. Templeton India Children Asset Gift Plan Growth – Rs 1000/-
    8. Axis Tax Saving FD – Rs 2000/-
    9. Recurring FD – Rs 2000/-

    Please advise if the portfolio looks OK, or a different attitude required for balanced risk exposure

    • Suresh says:

      Aparna, SBI FMCG, UTI Opps, SBI Emerging fund, Axis equity funds are good. Others avoid and select better funds. I am not saying they are bad, but there are better funds.

    • Aparna says:

      Thank you.. Will get back once more once I have started investments…

  182. zubin says:

    Hi Suresh

    It is always a pleasure reading your posts everyday. Thank you so much for keeping everyone informed about latest things happening across.

    I had taken advise from you earlier with regard to investments in mutual fund and gradually I started adding mutual funds to my portfolio. 

    My budget is 10k per month in SIP which I have split in to following funds:

    1. Birla SL India GenNext Fund(G) – Rs.1,000 pm

    2. SBI Emerging Businesses Fund-Reg(G) – Rs. 1,000 pm

    3. Reliance Equity Opportunities Fund(G) – Rs. 1,000 pm

    4. UTI Opportunities Fund(G) – Rs. 1,000 pm

    5. Axis Long Term Equity Fund(G) – Rs. 1,000 pm

    6. JPMorgan ASEAN Equity Off-shore Fund-Reg(G) – Rs. 1,000 pm

    7. Birla SL International Equity Fund-A(G) – Rs 1000 pm

    8. SBI FMCG Fund-Reg(G) – Rs. 500 pm

    9. SBI Pharma Fund-Reg(G) – Rs. 500 pm

    10. IDFC Government Securities -Investment-Reg(G) – Rs. 1000 pm

    11. SBI Dynamic Bond(G) – Rs. 1,000 pm

    My only concern is that I hope that I have not diversified my portfolio way too much that it starts giving me loss instead of profits. I thought of diversifying my portfolio with a mix of equity, debt, sector and international funds.

    Please let me know if my portfolio has the right balance or not. If not, then please tell me which funds I should exit immediately. I just invested in above funds 2 months back.

    Look forward to hear from you. 

     

    3.

    • Suresh says:

      Zubin, You have diversified your portfolio. In future when you want to invest additional funds, invest only among these funds. Too many funds also would create confusion to track.

      • zubin says:

        Thank you so much suresh.

        Any excess fund I would invest in these funds itself.

        But is diversified portfolio of mine good to go or do I make ny changes to it?

        • Suresh says:

          Good to go. One point is you have selected too many funds. If you are ok to track there is no problem, else cut-down some of them. I personally prefer to have atlest 5 to 10 mutual funds in my portfolio.

          • zubin says:

            Right now I have not had a problem tracking as fundsindia.com gives a good daily summary of all 11 Funds. But if I need to cut down on few then how many of them and which ones you think I should cut down on?

          • Suresh says:

            Zubin, as I indicated I would personally love to have 5 to 10. If fundsindia is able to track all your funds in the way you wanted, I don’t see any reduction in your count.

  183. RAHUL says:

    Hi Suresh,

    While investing for these MF'S is it better to go through their respective sites or through sites like fundsindia etc?…will fundsindia charge anything extra?

  184. Vinay says:

    Hi Suresh,

    I have been regularly following your blog from couple of months, and its very informative encouraging to invest, and easy to understand. Thanks for sharing info with us.  I have started investing in MF (through SIP)  more than one year and please let me know Whether i have to continue investing in the below mentioned funds or not. Also I want to start SIP for ICICI Prudential FMCG fund (G) . I would like hear from you on the performance of this fund.

    My Investment includes :

    Can Robeco Eqty TaxSaver (G) –> Rs 1500
    ICICI Pru Discovery Fund (G) –> Rs 1500
    IDFC Premier Equity – A (G) –> Rs 1500
    Reliance Equity Oppor – RP (G) –> Rs 1500
    SBI Emerging Busi (G) –> Rs 2000
    UTI MNC Fund (G)  –> Rs 2000

    • Suresh says:

      Vinay,IDC Premier and ICICI Pru discovery were underperformer in terms of returns, otherwise your portfolio looks ok.

    • P.K.Ghosh says:

      Can not predict the future. There are umpteen number of sites giving past performance. Sector funds have the flavour of the month. If the sector fund has given too good a return it may be a time to pull back. 

      Any way the purpose of writing this post was to advise you to not to make too many SIPs. If you are doing it through agent or Dematerialise account – each is chargable. So go easy on the numbers.

      Take care and don't get pulled and pushed in too many directions. Normal market news and the corpus of AUM ( Asset under management ) wil give you a good indication. If you do not like too much of risk – do not go for small AUM.

  185. Kalpesh says:

    Hi, I am 28 year old and able to save 5000-7,000 per month for 5 years. I am presently doing the following investment in mutual funds:

    Axis Equity fund                             1500

    SBI megnum Emerging Fund     1500             

     

    SBI FMCG  fund                           1000

    BSL India gennext fund          1000

    SBI magnum balanced fund  1000

    Pl. suggest whether this combination is worthwhile?

    • Suresh says:

      Kalpesh, SBI Magnum balanced fund, you can review and look for better ones. You can review ICICI Balanced or HDFC Balanced funds. Others are good.

  186. SUVO CHATTERJEE says:

    Dear Suresh,

    I hv the following SIP going on for each rs 1000/-

    1> icici pru discovery direct(g)2>birla sl gennext (g)3> reliance eq opp direc(g)t 4> hdfc midcap opp direct(g) 5> hdfc top 200 (g)6>ft bluechip direct(g)

    I hv also invested rs 10k with icici pru balanced. what do u think of my portfolio. Next month hdfc top 200 and ft bluechip both r due for renewal.Both these funds r cold for sometime. what do u suggest?

    • Suresh says:

      Hi Suvo, The funds which you indicated are good for long term e.g. ICICI Pru discovery gave 16% annualised returns in last 5 years, however gave only 5% in last 1 year. Invest in those funds for long term. Yes you can renew HDFC top-200 and FT bluechip funds, however these are Crisil-3 rated and generating 12% annualised returns in last 5 years. If you want better returns, you can try other options in diversified sector. 

  187. sunil says:

    Hi, I want to invest in mutual fund SIP first time, could you please guide me which fund is good for investment. I am planning 2000/- pm.

     

    Regards,

    Sunil

  188. nilesh kumar singh says:

    Hi Suresh

    I am 30 years old and want to invest 2000/- every month. I want for 15 to 20 years horizon, is it possible to invest in sip for such long period. I want to invest in the below three funds. I am looking for an average return of 13 to 15% for the time period. I will be investing for the first time, currently i am invested  lic,ppf & Bank fd. It will help me if you can guide me how to start sip.

         ICICI blue chip fund                    Rs.1000/-

         SBI magnum emerging fund        Rs. 500/-

         ICICI balance fund                      Rs. 500/-

    Thanks

    Nilesh Singh.

    • Suresh says:

      Nilesh, ICICI and SBI are good for long term and can provide the returns you are expecting. However ICICI Balance is balanced fund. It can provide 9% to 11% returns and it is for moderate to low risk investors. Hence you can choose some other mutual funds in diversified and large cap to achieve your target.

      • raghu says:

        Hi Suresh,

        One of a ICICI prudential associate told me that SIP route for a balanced fund is a wrong option.I want to know if that us true.Im planning to take up HDFC prudence fund through SIP's

        Also please sujjest me some good debt funds which can give me  better returns than an FD or PPF over  a period of 4-5 years(they are'nt mentioned in ur list).I also want to know whether SIP'S is a good option for debt funds if available.

        Finally as im an employee in TATA are any of the tata balanced or debt funds good?…if yes please sujjest me few for a 4-5 year horizon

        Thanks in advance

      • nilesh kumar singh says:

        thanks suresh for replying so fast, but i want to know which are the other sip i can invest in. It whould be very helpful if can provide me the information considering 15% return for minmum of 15 to 20 years horizon.

        Regards

        Nilesh Singh

  189. Ram says:

    Hi,

    Thank you very much for proving much useful information at free of cost.

    I am currently outside of India, I can invest 2 lakhs  per month for over 12 months period.

    And I would like to keep it for 5 years and then take it as whole amount.

    My question is: 1. Can I invest from out side India?

    2. How much do I get at end of 5 years if I invest in a plan where annualarized income is 12%.

     

    Thanks in Advance.

    • Suresh says:

      Hi Ram, As an NRI you can invest in Stocks or mutual funds or Bank FD’s. My suggestion is look for mutual fund investments (you can choose from what I recommeneded) and invest in bank FD’s. However you need to have NRE account to do that. You can open NRE account online. Pls check with some of the banks and mutual fund brokers regd this.

  190. Abhishek goyal says:

    Sir,

    I am just 20 and want to invest 500 pm in SIP,which one is best according to you for 3 year term

    • Suresh says:

      Abhishek, Good to hear that you want to invest at your 20 years of age. Stocks or Mutual funds are long term investments. If you still want to invest for short term, you can invest in debt mutual funds

  191. Subrata says:

    Dear Suresh, I am regularly keeping in touch with your site for last 6 months and getting educated in mutual fund investment. Thanks a lot for your inputs, which are helpful and, more importantly, easy to understand.

    Very recently I have started SIP (5000/- per month) in 5 mutual funds: BSL India GenNext, BSL Top 100, UTI Opportunity, Reliance Eq Opprtunity and Reliance Gold. I am also thinking of investing in UTI India Lifestyle and Quantum Long Term Equity. Please suggest.

    But earlier (between 2009 and 2012) I did lumpsum investment (50000/-each) as per suggestion of local broker in a number of funds – most of which are under performing. I am very anxious about these funds and I would be greatful, if you please please have a look at my portfolio and suggest what I should do with these – to hold or to sell:

    Franklin India Blue chip

    ICICI Focussed Bluechip Equity

    HDFC Growth Fund

    HDFC Equity

    Reliance Diversified Power Sector Fund

    ICICI Focussed Bluechip Equity

    BSL MNC

    BSL Front Line Equity

    BSL Dividend Yield

    I am not liking to hold so  many funds also, as it is very difficult to keep track. So I am feeling free to ask you to suggest me please.

    Best regards.

    Subrata.

    • Suresh says:

      Subrata, Good to know that you are regular visitor of my blog. Here are my comments. 1) BSL Gnnext, Reliance eqty opps fund and Reliance gold, BSL top 100, Quantum and UTI lifestyle all are good performers in long run. 2) Second set indicated by you ICICI Blue chip, BSL MNC, BSL Fronline are good onees.. However HDFC-Growth fund-Average; HDFC equity fund-average; Reliance-power sector fund-loss making fund for the past 5 years-Exit now; Birla Dividend yield-Avg fund. 

      If you like my blog, share some of the articles with your friends on facebook so that it would benefit investors like you.

  192. Pacific says:

    Hi,

    I am 26 years. Earlier, I had earlier invested in ELSS MF in lumpsum in past 2 year – 10K-20K each once in L&T Tax Advantage (G), 2011, Can Robeco Eqty TaxSaver (G), 2012.

     

    What will be good portfolio for me? I have put a good amount in FD/RD recently. 

    Looking for good growth /high return with SIP … 

    Should I go for Pharma Reliance or SBI ? Or looking at the current market, should I go for Debt fund, which one? Or go ahead with MF? ELSS/Pharma/Debt, what mix?

     

    Any suggestion in laymen language would help. Thanks in Advance.

    • Suresh says:

      My dear friend, If you are moderate risk taker, it would be a good option to have a mix of large cap, mid-cap/small-cap, diversified and debt mutual funds. You can add small portion in pharma and FMCG mutual funds. If you are low risk taker, you can invest in balanced funds.

  193. ramesh says:

    hello sir,

    since 3 months i am investing in SIP, SBI emerging business fund.monthly 5000/-

    now i am thinking to investment monthly 3000 more.one one thousand in three different MF funds.

    can u please suggest me, which one shall i choose to invest.

     

    thanks

    ramesh

  194. Amit Gautam says:

    Hi Suresh,

    I found this blog and its really very good that people came and share their views. I am investing SIP HDFC Top 200 Fund – Growth – 1500 pm and Kotak Gold Fund – Growth – 1500 pm from last 1 year and currently i am in loss. Please  tell me is that fine if i continue with above SIP. Also i want to invest 500 pm in 2 different SIP. Please advise any 2 SIP from your favourite.

    Thanks

    Amit gautam

     

    • Suresh says:

      Amit, Don’t just see 1 year performance. Gold rates has been falling for the past 4-5 months and hence your Kotak Gold Fund would have shown negative margins. However HDFC top-200 should have shown marginal profits. But don’t worry, they should perform well in long run. You can check about reliance equity opps or UTI Equity opps or Birla Sun life frontline to invest 

  195. Srinivasan says:

    Dear Mr. Suresh,

     

    It is a very good article and helped a lot. I have the following MF in my portfolio and I invest INR 5000 / p.m through SIP in total.( Each Rs. 1000 /- )

    1. SBI Magnum Emerging Business

    2. UTI Opportunities

    3. L&T Global Real Assets

    4. SBI Magnum Pharma

    5. UTI Wealth Builder

    All the SIP ends in August 2013. After reading your articles, I wish to re arrange the portfolio by including most of the funds you have recommended.

     

    Could you please advise me in this regard.

     

    Thanks and best wishes

    Srinivasan.

     

    • Suresh says:

      Srinivasan, SBI, UTI are good. L&T global real assets is international fund. Similarly, SBI Pharma fund is high risk. but if you are risk takern, you can consider them in your portfolio. UTI wealth builder is a average fund. You can select any other good funds in largecap and diversified and invest for long term. All the best.

  196. Satya says:

    good and informative.

    Cheers, Satya

  197. cavendish says:

    Sureshji, I am a 26 year old working in KPO. I can invest 1000pm to3000pm….want to invest for upto 10 years, and i prefer a less risky SIP mutual fund. I have read about UTI SIP. Please advise. Thanks.

    • Suresh says:

      Cavendish, you can invest in balanced and debt mutual funds recommended here. They are low risk mutual funds.

      • K C Rana says:

        Hi Suresh,

        Can you please tell me the return range of balanced and debt mfs.

        Is bank FD/RD is not better than these as these have assured returns and I think having returns equivalent to debt mfs

        Thanks,

        K C Rana

         

         

        • Suresh says:

          Hi Rana, Balanced mutual funds would generally generate around 9% to 12% returns. Debt mutual funds would generate around 9% to 11%. They are not guaranteed, however if you pick-up good funds, it is possible to get more returns than bank FD/RD.

  198. Sarita says:

    Hi,

    I am one IT guy working for last 6 years. I have a daughter and want to invest in MF for SIP scheme and one for term scheme.

    Monthly i want to invest 2000 for SIP and 1500 for Term plan.

    Please suggest some good options for longterm as well as short term.

    Thanks,

    Sarita

    • Suresh says:

      I could not understand your question about “term plan”. Is it term insurance plan? Regd SIP invesmtens for your child, you can invest in diverisified and balanced mutual funds. This way you can ensure that you would get an average returns of 9% to 13% p.a. on your investment. Please review such funds I have recommended in this article and you can invest in them.

  199. Kedar says:

    Hi Suresh,

    Very informative blog. 

    Currently I have invested in 2 MFs through SIP.

    DSP BlackRock Top 100 Equity Fund – Regular Plan (D) – Rs 5000 / month
    SBI Emerging Businesses Fund – Direct Plan (G) – Rs 5000 / month

    Would you suggest I should switch to some other Funds?

    I am looking at long term planning 8-10 years and would like to invest in 2-3 more MFs other than these 2 funds thorugh SIP.

    Can you kindly advice?

    Regards,

    Kedar

    • Suresh says:

      Kedar, DSP BR Top-100 is average fund -Crisil-3 ranked. You can review and exit this. Other one is good. You can select any other fund from large cap or diversified fund if you want to invest for long term.

  200. balakrishna says:

    hello sir ,

    I am 36 yrs age,

    not did any SIP till now , but interested in investing by seeing your suggestions, please give me list to invest for monthly instalment of Rs 3000. as I have 5K/month for PLI policy  and also want to know which one to select term policy for health,

     

     

    • Suresh says:

      Hi Balakrishna, Good to know that you want ot invest in MFs. Since you are new. Start investing in diversified and balanced mutual funds to start with . Choose the MFs I have recommended here. You can invest Rs 1000 per SIP per month in such schemes. Regd your other query about policy for health, there are various policies which are available with several features, terms and conditions. You can review some of them like LIC jeevan aroghya, reliance health assure plan etc.,

  201. sirish says:

    Hello Suresh,

    Thanks for such informative article.

    Would be gr8 if you can review my portfolio in SIP of following mutual funds with growth option.

    1) ICICI Prudential Discovery

    2) UTI Opportunities

    3) ICICI Prudential Balalnced

    4) Franklin India Blue Chip

     

    • Suresh says:

      Sirish, You have selected good funds. Keep going. BTW how is our blog. What suggestions do you suggest to improve further. If you like any article, you can share with your friends on FB.

      • sirish says:

        Hello Suresh,

         

        Thanks for your reply.Your blog is an excellent source of information related to personal finance. I regularly check your site.

  202. Pushkar says:

    Hello Suresh,

    First of all, thank you for wonderful article, posted comments & their individual guiding replys. 

    Your feedback is very easy to understand for people who are new to MFs / SIPs.

    I am also new to MFs & found your blog on what exactly I was looking for. Just hearing friend's advice I started SIP of 2K of HDFC Top 200 a year back & now seriously wants to get more into it.

    My age is 33 & looking for at least 15 years investment (may be 2K for 5 funds) & can take medium risk.I wish to invest 10K / month & really dont know which funds to go for.

    May you please suggest few funds. Also, request yours view if I should continue HDFC Top 200 fund ?

    Thanks in advance 

    Pushkar

    • Suresh says:

      Thanks Pushkar. Since you want to invest for long term, invest in large-cap-30%, diversified-30% and midcap/small mutual funds-10%, sector based-10% and debt mutual funds-10%. The recommended funds here are top ones. HDFC Top-200 is also good one in large-cap sector as it was proved that it would provide good returns in long run. You can expect 10% to 13% annualiased returns from such mutual fund scheme.

  203. Vikas says:

    Hi Suresh,

    I have recently started SIP in the following 2 funds:-

    1. ICICI Discovery fund – 12000 p/m

    2. HDFC Prudence fund – 12000 p/m

    I used to have HDFC top 200 as SIP which is stopped. I know want to add a new LARGE cap fund. Please advise. Also please let me know if the above 2 funds are good to continue for next 10 years.

    Thanks

    Vikas

    • Suresh says:

      Vikas, ICICI Discovery has lagged behind other funds. You can re-visit this. Other one is good. If you are looking for largecap, you can check franklin India blue chip fund Birla Frontline fund

  204. kumud says:

    can u  mail me complite information of hdfc-sip,if u mail me it then it would be so much benificial for me.

    • Suresh says:

      Kumud, If you want to invest in HDFC mutual funds thru SIP, you should approach or have mutual fund account. If you do not have one, approach fundsindia.com or ICICI direct.com or any other broker. 

  205. Kumar says:

    Please let me know whether I can continue in the below mentioned mutual funds or not

    All are growth options only

    1) Franklin Blue chip fund–Rs 500

    2) HDFC top 200—–1000

    3) Reliance Opportunities fund–rs–500

    4) Icici Pru discovery fund—–rs-1000

    5) UTI MNC fund——-rs 500

    6) UTI opp fund—-rs 1000

    Please let me know in whcih Mutaul fund I can discontinue and which one's I can continue

    Advice on this is greatly appreciated.

     

    Thank you so much for help.

    • Suresh says:

      Hi Kumar, You have chosen good mutual funds. However you have chose all large cap and diversified funds. You should add a flavor of balanced funds (like ICICI Balanced fund or HDFC Prudent fund) + debt mutual funds (SBI dynamic fund or IDFC dynamic fund) to diversify your portfolio.

  206. K C Rana says:

    Hi Suresh,

    Thanks for an informative and beneficial article………I need your help in fund selection.
    I want to invest 8k monthly on MF SIPs for long term.
    Till now I have only started SIP of 3k in SBI Emerging business Fund.
    I have also invested 9k in Quantum MF (not have SIP 3k/month ) till now.
    I want to add one of the below large cap fund to my portfolio:
    1.Franklin India Bluechip(my choice till now)
    2.DSP BlackRock Top 100 Equity
    3.SBI Magnum Equity Fund
    4.ICICI Prudential Top 100 Fund
    5.HDFC Top 200

    I want to readjust my investments SIPs as:

    1. Large Cap e.g. Franklin Bluechip – 3500
    2. Mid Cap i.e. Quantum MF – 2500
    3. Small Cap i.e. SBI Emerging Buss – 2000

    Please tell me if all the investments & amount are ok or not.
     
    Thanks & Regards,
    K C Rana

    • Suresh says:

      Hi Rana, You have indicated Quantum MF. But not the scheme name. If you are saying Quantum long term equity fund it is large cap fund. Good one. Other two are also good. Keep investing.

  207. Shina says:

    Hello Mr. Suresh,

    Need your kind suggestion for the below type of investments. I wanna do all thease.

    1. Onetime investment of 2 lakhs

    2. Yearly investment of 1 lakh for 5 years

    3. Monthly investment of 5000

    I have never done MF investment. Please along with the fund type and breakup suggest how to make the investment(like via agent or direct in bank?).

    Thank you in advance.

    Shina

    • Suresh says:

      Hi Shina, 1) Invest your onetime in Bank FD or debt mutual funds. You would get returns of 8% to 11% p.a. 2) Do the same thing with yearly investments. You can invest in balanced funds too 3) Monthly investment, invest in large cap and diversified mutual funds indicated here. You can invest through any mutual fund broker such as Fundsindia.com (where zero transaction fees) 

  208. rajeev says:

    hi Sureshji,

    I have selected some mutual fund plan to invest through sip.

    DSP Black rock top 100 equity- 1500/- pm

    HDFC Top 200- 1500/- pm

    Franklin India Bluechip- 1500/- pm

    HDFC Balanced Fund- 1500/- pm

    ICICI Pru focused bluechip fund- 1500/- pm

    For tax Saving investment————–

    HDFC Tax saver growth- 1000/- pm

    Frankline India Taxshield- 1000/- pm

    I am 26 years old and can also take small risk. So plz suggest me regarding my selection of funds.

    • Suresh says:

      All are good MF’s. BR Top-100 is underperformer, you can revisit this. You can choose other best options.

      • mukund says:

        Hi Suresh garu,

        I hav just finished college and i've started working for an IT company im 23 and have plans of investing in mutual funds…i have selected a few out of the lot.

        Birla SL frontline equity-A(G) – 2K

        hdfc top 200 fund(G) -2k

        Reliance diversified oppurtunities-RP(G)-2K

        HDFC Prudence fund (balanced)-2k

        Please tell me if iam going wrong and guide me if this is an okay option for my age and profile..im looking for a 3-5 yr investment

        • Suresh says:

          Hi Mukund, Your portfolio is good. However you should invest in such funds for long term of 8 to 10 years to gain more. If you are looking for medium term of 3 to 5 years, reliance equity opps or birla SL frontline or HDFC Top-200 may not provide good returns. In such case you shuld try for balanced mutual funds like HDFC Prudence fund or ICICI Balanced funds. Since you are young, I feel you can take long term view and invest in these funds. BTW, how is our blog. In case you find the articles good, share a few articles with your friends.

          • mukund says:

            Hi Suresh,

            Please sujjest a few funds which can give decent returns with moderate risk for a period ok 4-5 years through SIP

          • Suresh says:

            Mukund, Since you are looking for medium term, my suggestion is to go only for diversified mutual funds + balanced mutual funds + debt mutual funds. You can refer top funds from this category which I have recommended. But it would be good to have invested for atlest 8 to 10 years to get good returns.

  209. prashant says:

    I'm 42 years of age. Govt servant & will retire at the age of 60. I,m new to MF's. I can invest Rs 12000 PM by SIP. Sir please suggest me the best funds. My horizon is 8- 10 years for the best my children's career.

    • Suresh says:

      For 8 to 10 years, invest in diversified, largecap, balanced funds and debt funds. Put all these combinations so that you are diversifying and reducing your risk. 

  210. Soumen Ghosh says:

    Hi Suresh,

    I want to invest Rs 5000 every month in SIPs for an average of 15 years or more.I decided upon 5 funds to invest @Rs.1000/-.

    I already invested in 

    1) SBI emerging business fund

    2) Birla Sunlife Frontline equity

    and I selected,

          1) Reliance Equity opportunities

          2) Reliance tax saver

    and 3) HDFC Top 200

    but haven't invested.Please advise on the following.You can suggest other funds also.

    Thanks and regards. 

    • Suresh says:

      Soumen, MF’s chosen by you are good. In tax saver, you can also invest in Can robeco (Reliance tax saver is also good).  Good to know that you are investing for long term. BTW, how you felt about our blog, do you have any suggestions to improve my blog.

  211. Amit says:

    Very good article Suresh. Need help from you. I need to start investing in MFs through SIPs. Please advice which to go for. My age is 32. Can invest 5k per month. Looking for long term investment (15 years) which I can utilize for my child education/marriage. My insurance needs already taken care through term insurance.

    • Suresh says:

      Good to know that you are not treating investment and insurance as same and taken term insurance as seperate one. You can invest in large cap and diversified mutual funds. You can invest smal portion of 20% to 40% in balanced mutual funds and debt mutual funds to balance your portfolio. BTW, how you felt about our blog, do you have any suggestions to improve our blog. Please keep visiting our blog and share the best articles with your friends.

  212. rajeev says:

    Hi Sureshji,

    i would like to know the best mutual fund investment plans for me, which should be safer as well as higher return giving. i am ready to invest 10000/- p.m in mutual fund.

    Plz suggest me.

    • Suresh says:

      Rajeev, if you are looking for high safety, invest in debt mutual funds only. But my suggestion is we can take small risk and invest in balanced mutual funds too. 

      • Rajeev says:

        Thanxs for the quick responce,

        Sir, i can take small risk and will invest as per your guiadance. So, plz suggest me the specific mutual fund plans for me.

  213. Arnab says:

    Hi Suresh,

    It is indeed a very useful article. I'm 28yrs now, and untill a few yrs back I had no idea about any kind of investments n all. Then I started investments in PPF (1 Lac a yr) & in MFs through SIPs.

    Below are the detauls of my SIP distribution matrix, requesting you to have a look on this and guide if any alteration is to be done.

    SBI Emerging Business (G) – INR 1000/-

    SBI Magnum FMCG (G) – INR 1000/-

    SBI Gold Fund – INR 1500/-

    SBI Magnum Income Fund (G) – INR 1500

    ICICI Prudential Focussed Bluechip Equity (G) – INR 2000/-

    ICICI Pru Balanced Fund (G) – INR 2000/-

     

     

    As far as diversified equity fund is concerned I was thinking of investing some amount in Birla Sunline India Gennext Fund every month through SIP. 

     

    Please tell me is there any changes to be made in my MF Portfolio? and , please also lemme know whould I invest anyhting in diversified equity Fund? Is it necessary? 

     

    I may sound a bit confused to you but my basic question is where am I standing right now? Please let me know.

     

    Thanks in advance for your guidance.

    Regards.

  214. Ajith says:

    Hi Suresh – I am visiting your site for the first time today and its filled with infomration – Great job.

    Need some guidance as I have burnt my fingers some 4 yrs back investing in MF's I never turned back to it. Looking at guidance from you I look forward to for SIP investment of 5-10K every month and my age is 33. Can you help me witha high level portfolio on how much could be invested in what kind of MF's- Looking at short term gains (2-3 years) to maximise my ROI. Thanks in advance.

    — Ajith

     

     

    • Suresh says:

      Ajith, I would recommend some MF’s, but since already burnt fingers by investing in MF’s, how you can trust me now? Please do one thing.Please tell me what are the MF’s and how you invested (regular or SIP), I would analyse and come back. The reasons could be beyond choosing a incorrect fund.

  215. gunjan says:

    Dear SureshG,
    Very nice article really useful, i wanted to start investment through Flexi SIP amount 4000/- pm
    into following products
    1. ICICI Prudential Focused Bluechip Equity Fund 3000/-
    2. ICICI Prudential Dynamic Plan 1000/-

    Please guide me further.

    • Suresh says:

      Gunjan, ICICI Pru dynamic is a defensive mutual fund, means when markets are falling, it would take position and sell some of hte stocks. When markets are raising, it would be little cautious and book profits. Means overall fund performance would be good, but returns would be limited and also you would not see much downfall too. ICICI Pru foc fund is good.

  216. Narayanan says:

    Hi suresh,

    I m new to investment and i m already have invested in One LIC Policy – Jeevan Anand (Yrly Rs.24000) and that i have started in 2 years back . (My Age is 32)

    Also i have already invested in Birla Sunlife insurance (Yearly Premium – 20K) – Dream Plan and this i have been paying for 4 years.

    I want to invest 2 lakhs ruppees as lump sum amount and also i could also spend Rs.5000/Month to invest in MF. 

    Request you to suggest me a suitable plan to invest the same. 

     

    Thanks 

    Narayanan

    • Suresh says:

      Narayanan, Regd Lumpsum amount, my suggestion is to invest in Debt mutual funds or bank FD. Regd monthly SIP, at your age, you can take moderate risk, so invest in Diversified mutual funds. Don’t go heavy on insurance policies. Consider taking term insurance policies for the risk coverage required by you. Balance you can save in mutual funds or any other investment option

  217. satyanarayan v shenoy says:

    Hi Suresh,

    I Recently studied ur Blog, i wanted your advice for my portfolio. Pls let me know suitable corrections which i need to do. Till date not earned a single penny from my Polio.

    1.Birla Sun Life 95 Fund – Gr (Investment Rs.1000 Every Month By Sip)

    2.DSP BlackRock Micro Cap Fund – Gr (Investment Rs.1000 Every Month By Sip)

    3.HDFC Top 200 Fund – Gr. (Investment Rs.2000 Every Month By Sip)

    4.Reliance Gold Savings Fund – Gr (Investment Rs.1000 Every Month By Sip)

    5.Reliance Growth Fund Gr (Investment Rs.1000 Every Month By Sip)

    These are the funds which iam investing from last 3 yrs. Please advice

    Warm Regards,

     

    S.V.SHENOY (Mumbai)

     

     

     

     

    • Suresh says:

      Hi Shenoy, Here are my comments 1) Birla sun life 95-Crisil-3 balanced fund; Avg performance; 2) DSP BlackRock Micro Cap Fund-Crisil-4-midcap/smallcap fund-below avg returns; 3) HDFC top-200-large cap-good fund 4) Reliance gold saving has completed 2 years only. Due to gold prices dip, the MF also shows negative returns. Otherwise, it is good as of now 5)  Reliance growth fund-Crisil-4-Not that good. Overall, I have seen that your portfolio needs to be corrected, else you would get average returns. Try investing in largecap, midcap, diversified, balanced funds indicated here and in other articles. Please let me know in case you need any further help.

  218. Niraj says:

    Dear Suresh,

    I have invested in following MF. All are new  addition and started with SIP . Can you suggest which ones to keep and which ones to quit? I have goal for 3 and half years. After 3 anf half year , I need invested amount for down payment of house. 

    Diversified Equity Large CAP Fund
    ======================================================================
    HDFC Top 200 Fund – Direct Plan – Growth Option  = 3000
    Franklin India Bluechip Fund – Direct – Growth    = 4000
    DSP Top 100 Equity Fund – Dir – G                 = 2000

    BALANCED Funds:
    =====================================================================
    Ft India Balanced Fund – Direct – Growth = 1000
    HDFC Balanced Fund – Direct Plan – Growth Option = 2000
    HDFC Prudence Fund – Direct Plan – Growth Option = 2000

    EUITY MID AND SMALL CAP Funds:
    =====================================================================
    HDFC Mid-Cap Opportunities Fund – Direct Plan – Growth Option = 2000
    DSP Micro Cap Fund – Reg – G = 2000

    Equity Mutil CAP Funds:
    ======================================================================
    DSP Top 100 Equity Fund – Reg – G = 2000
    DSP Equity Fund – Reg – G = 2000
    Franklin Templeton India Equity Income Fund – Direct – Growth = 2000

     

    Thanks,

    Niraj

     

     

    • Suresh says:

      Hi Niraj, Please revisit these funds as I do not see good returns and the ranking is average or low 1) DSP top-100-Largecap-Crisil-3-Avg performance 2) FT-India bal fund-Crisil-4-Balance fund-Below avg performance 3) DSP Macro fund-Crisil-3-midcap/small-cap fund-avg performance 4) DSP-Eqiuty fund-Crisil-3-Largecapfund-Below Avg performance 5) FT India equity income fund-avg fund

  219. Chandan says:

    Hi Suresh,

    I need your crucial help…..I have invested 50k in SBI Gold Fund….which having value of 45k now.

    As Gold is not seeming to shine….I want to make some deceisions:

    1)Should I switch  from SBI Gold Fund to SBI FMCG or SBI Magnum Equity with all amount(44.5k) after loss of 5.5 k approx.or should I opt SWP
    2)Or should I not redeem the SBI Gold Fund.
    3)Or should I invest in other funds….

    Great Confusion……Can you please suggest any fund/stock for recovery(I am fine to take risk
    for this)…

    Regards,
    Chandan

     

    • Suresh says:

      Chandan, investors generally take harsh decisions when such thing goes wrong. But what was your goal when you started investing in SBI Gold ? Long term apprecation or short term appreciation. If it is long term appreication for 8 to 10 years, then I feel, leave the investment as is as the fall in gold prices is short term in nature and should recover in next 2 to 3 years. If it is short term, you made a mistake in investing in gold funds. Instead of investing a lumpsum in stocks or mutual funds, you should invest through SIP or regular investments so that any markets volatality would be taken care and you would get good returns.

  220. pankaj says:

    mea mutual fund me 6month ya 1 year ke liye invest karna chahta hu. aapne kaha short term debt fund or a liquid fund me invest karu.aap muje kuch debt,liquid fund ke naame bata do.jisme mea invest karke acha return le saku

  221. rajesh kumar says:

    hi Suresh,

                  I am new for SIP. want to invest 2000 pm for 5-6 years in sbi. which plan should I opt?

     

     

    • Suresh says:

      Invest in balanced mutual funds or debt mutual funds to start with. Once you are familiar and understand how mutual fund works, you can take moderate risk and invest in diverisfied and large cap mutual funds.

  222. swapnil says:

    Hi Suresh,

    Recently i invested in 3 SIPs.

    1. SBI emerging business 2. Axis mid cap fund 3. Franklin India Prima plus

    Out of your suggested SIPs, only SBI emerging business is present in my list.

    Can you guide me if i should stop investing in other 2 or i can continue with remaining both?

    I am looking for long term returns.

    Thanks a lot in advance.

    • Suresh says:

      Hi Swapni, My recommended list are top ones amont the mutual funds. It does not mean that others are not good. Regd Axis mid-cap, Crisil has not rated this mid-cap/smap-cap fund. The performance is also average. You may look to explore better midcap/small Mf’s 2) Franklin india prima plus is Crisil-2 ranked diverisifeid fund. It is good fund, you can continue it.

      • swapnil says:

        Hi Suresh,
        As we had already discussed, i have started with said MF 2 months back. we did had some fluctuations of market from 19k to 20.2k. All the time these Mfs were showing returns as -ve. 
        So if i want to see, how these will perform in long run, any other criterias for check? because in 2months hardly any day was there when returns were positive. thanks in advance.

        • Suresh says:

          Swapnil, If you see my article, I only say one thing, you should invest in mutual funds for long term. HDFC top-200 mutual fund as an example has given < 5% in 3 years, however in last 10 years, it has given more than 20% annualised returns. Hence stay invested in them. One check you can do is check the performance and Crisil ranking. In case there is drastically change in Crisil ranking, it is an indication to review your portfolio

  223. Bhavin says:

    Hi Suresh,

    I am 33 and residing outside of India and would like to do SIP for 20,000 per month for the next 5 years.

    kindly suggest me what could be the best sector and through whom i can do and what could be the net return after completing the period.

    it would be great help if you can guide me through this.

    Regards,

    Bhavin

    • Suresh says:

      Bhavin, If you are moderate risk raker, invest in a combination of diversified, largecap, balanced and debt mutual funds. On an average with all such combinations, you can expect 10% to 15% returns per annum.

  224. prashanth says:

    Dear Suresh, I have read almost all your blogs its is very fantastic and now i feel that 
    i am not sitting in front of  my desktop rather i feel rite in the market,before a week i dont know nothing about Mutual Funds or stocks or which is related to financial Investment,but now 1/4 i swallowed.All your articles are very extremely helpful to the begginers like me.

    99% of the Indian Population are unaware of the investment protocols young people like who are extreemly talented and genours in contributing their knowledge can shape the fututre of their country.    

    Jai Hind 

    Good Luck & God Bless

  225. Aravinth says:

    Hi Suresh,

    I was investing in Mutula funds for last 4 years and gained very less profit. I had taken all of my money out from MF (about 5 Laks) and currently have no idea how to invest and where to invest. Could you please advise me if I can invest 5Lacs in FD or  should i split and do FD with 2/3 Banks. I only prefer Public sector banks.

    • Suresh says:

      Aravind, I am curious to know what went wrong in your mutual fund investments. You should invest based on an objective. If you want zero risk, you can invest in bank FD or if you want to take low risk, invest in debt mutual funds. If you want monthly income from your investment, invest in Post office MIS scheme etc.,

  226. Manoj says:

    Hi Suresh sir!

    I am 25 yrs of age. Want to invest Rs. 5000/- per month in the following manner in SIP.  Please let me know whether I am doing the correct way or not.

     

    Name of the fund                                               Amount to be Invested per month

    ICICI Pru focused blue chip fund                                      Rs.500/-
    UTI Opportunities Fund                                                   Rs.500/- 
    SBI Magnum Emerging Fund                                            Rs.500/-
    Reliance Equity Opportunities Fund                                   Rs.500/-
    SBI Magnum FMCG Fund                                                 Rs.500/-

    HDFC Top 200                                                                Rs.500/-

    DSP Black Rock                                                               Rs.500/-

    NASDAQ 100 ETF                                                            Rs.500/-

    BNP Paribas Equity Fund                                                   Rs.500/-

    Quantum Long Term Equity                                               Rs.500/-

    • Suresh says:

      Hi Manoj, Few observations 1) NASDAQ you have specified should be motilal NASDAQ 100 ETF. Thought it is good ETF, its floated only 2 years back. We cannot say how it performs in long run. 2) BNP Paribas though Crisil-1 ranked MF, is lagging in performance. Delivered only 4.5% annualised returns in last 5 years which are less than bank FD 3) Though you are investing Rs 5K, you have spread into 10 MF schemes. Any specific reason. You can review and reduce this to 5 schemes if required.

      • Manoj says:

        Hi Suresh! Thank you for that useful information. Sir, I am new to Investment thing and I am not quite sure which funds to choose and so felt that if I invest smaller amount in different mutual funds, the risk would be lower! Sir, are these below mentioned mutual fund ok for investment.

        ICICI Pru focused blue chip fund                                       Rs. 1000/-
        UTI Opportunities Fund                                                   Rs. 1000/- 
        SBI Magnum Emerging Fund                                             Rs. 1000/-

        HDFC Top 200                                                                         Rs.1000/-

        Reliance Equity Opportunities Fund                                    Rs. 500/-

        SBI Magnum FMCG Fund                                                  Rs. 500/-

        Also sir, I would really like to appreciate for your time and knowledge  in helping  beginners like me to get started with Investments. Good Job Sir!! Thankss once again.

         

                 

        • Suresh says:

          Manoj, I just responded to your earlier message. This is duplicate, hence not resonding. BTW, what is your opinon about our blog. What other improvements do you think I should to help people like you. If you like our blog, give me facebook like and share one or two articles to your friends who might be eagerly waiting for such investent options.

  227. disha says:

    hello sir i want to know which SIP schme would be best which doesnot involve high risk factor as am new to mutual funds sugest me some good schmes. thanks

    • Suresh says:

      Hi Disha, If you do not want to take high risk, means you are moderate or low risk taker, you can invest in balanced mutual funds and debt mutual funds.

  228. Sharad Yadav says:

    Hi suresh,

    The articles are great for mutual fund investors. I am having my investments in below mentioned funds (SIP).My investment horizon is of 20 years.

    HDFC Top 200- 4000 per month.

    Franklin India Bluechip fund- 3000 per month

    Birla Sunlife Frontline Equity Fund- 3000 per month

    SBI Emerging Business Fund- 2000 per month

    ICICI prudential Balanced Fund- 3000 per month

    Reliance Equity Oppertunity (G)- 2000 per month

    Kindly advice me, if these are the right funds to stay invested for long term or should i switch over to some other fund.

    Regards

    Sharad Yadav

     

    • Suresh says:

      Sharad, you have invested in good large cap, mid cap and balanced funds. BTW, how is our blog .What improvements do you suggest to improve our blog ?

  229. prashanth says:

    Hi suresh,for the First time Investor what are security steps to be taken when applying from distributor.

    Please Answer:

    1.folio will be allotoed one folio for all mf's with same fund house.
    2.how to check the name corresponding with folio.
    3.For redemption the units how to check the bank deatils correct.

    • Suresh says:

      Prashanth, 1) Folio can be one for a mutual fund house. This is to ensure that your MF schemes under such MF house are consolidated at one place. There is no harm in having another folio 2)  If you are buying through distributor, the name on which you have opened the account would appear onthe application sent by your distributor to mutual fund house. 3) Generally, when you apply for a mutual fund account with a broker, they would collect all the info pertaining to which account to be debited for SIP plans and where to credit the redemption amount of mutual funds. 

  230. Atul says:

    Hi, I am 34 year old and able to save 10,000-12,000 per month. I am presently doing the following investment in mutual funds:

    1.SIP- Rs. 2,000/- per month in ICICI Focussed Blue chip fund. since april 2012.

    2.Rs 25,000/- in SBI Gold Growth Fund done in October 2011.

    Now i want to do another SIP of Rs. 3,000/- PM , kindly advise me in which fund should i invest from the long term point of view say 7-10 yrs . I  have sorted two funds :

    1. SBI emerging business (G).

    2. Birla Sunlife MNC Fund (G).

    Please tell which fund is better or any other fund in which i should invest.

    Thanks

    Atul

     

    • Suresh says:

      Hi Atul, SBI Emerging and Birla Sunlife MNC fund are crisil-1 ranked MF in midcap and small cap segment. Instead of choosing both in a single segment, please choose something in diversified funds too. You can try Reliance equity opps or Franklin india prima plus etc.,

      • Atul says:

        Suresh,

        Thanks for advice, but i want to invest in only one fund out of the two sorted by me . Kindly advice me which fund (SBI Emerg or Birla ) is better keeping in long term period of 7-10 yrs vis -a vis return.

        Regards

        Atul

        • Suresh says:

          Atul, you can go for SBI Emerging fund.

          • Atul says:

            Hi Suresh,

            I am regular to your blog and based on your guidedance , i am presently doing the SIP in ICICI Focussed Blue Chip (Rs 2000/-) and SBI Emerging Business Growth Fund (Rs 2500/-) . Pls guide me whether i should Equity or Balance Fund for another SIP . I have sorted the following fund in Balance Fund Category :

            1. HDFC Balance Fund.

            2.ICICI Balance Fund.

            3. HDFC Prudence .

            Pls tell me which would be the best fund to invest in keeping in view time period of 3-5 yrs and above .

            Atul.

             

          • Suresh says:

            Atul, you can invest in any of them. All are good ones.

  231. Neeraj says:

    Hi Suresh,

    I, m new to SIP and planning to invest 2000/M in each of Reliance equity opps and UTI opportunity finds for 5-10 Years. Please let me know if I'm doing right justice to my investment

  232. Vijay says:

    Hi,

    Sir, can u pls tell me a mutual fund with good return for long term atleast 20 to 30 years. currently I m 31 years old and my monthly in come is Rs. 20000.  

    Vijay

  233. Vishal says:

    Hello Suresh,
    The information you have shared is really helpful for the investers. I am investing in SIP and need to include one debt fund in my portfolio. Please suggest which one to pick.

    Thanks,
    Vishal

    • Suresh says:

      Hi Vishal, I have personally invested in SBI dynamic bond fund as it is Crisil-1 ranked and its expense ratio is around 0.6% p.a. Others charge around 1% expense ratio. 

      • manu says:

        Hi Suresh,

        what is this sbi dynamic bond fund. Is this a monthly fixed SIP plan or a 1 time investment. How do I buy it ? Can I buy it online ? what doc's do we need to buy online ?

        Thanks,

        • Suresh says:

          Manu, SBI Dynamic bond fund is debt mutual fund. It invests in debt instruments and is low risk investment option. All mutual funds are available for one time investment + SIP. You need to open a mutual fund account with any of the distributor/broker. You need to submit necessary documents as listed down by the brokers. Alternatively you can directly apply on mutual fund house website and buy them online. However you need to take care of compliance and documentation part on your own.

  234. K C Rana says:

    Hi Suresh,

    Thanks for your informative article.

    I have SIP of 3k each in SBI Emerging business fund-G and Quantum Long term equity fund-G.

    I want to start SIP of 1k in SBI Magnum FMCG Fund.

    Please suggest me if all the funds with investment values are ok.

    Is there any formula for Flexi SIP? Is it same as VIP? I want to do Flexi SIP myself….Can you please tell me the factors for deciding the investment amount in Flexi SIP.

    Regards,

    K C Rana

    • Suresh says:

      Hi Rana, Funds are good. However FMCG is high risk high return fund which you should note. There is no formula for flexi SIP. If you know that your income may fluctuate with whatever reason it could be, you can consider this option. I generally prefer you to take a minimum amount wihch you are comfortable at any time. Over and above this can be your flexi amount whih you can change depending upon the situation.

  235. prashanth says:

    Mr.Suresh Sir,  I want to start a sip  in Mutaul Funds i am  a very begginner MF as i am  getting a very common least salary,i have  2 children for their future instead of bank i want to invest in MF for another 5 years can you please suggest MF'S.this is the start of my savings for my children. i am 33 yrs .i have selected this MF each 1,000 Rs Per Month. 

    SBI Emerging Businesses-G
    SBI Bluechip-G
    SBI FMCG-G
    SBI Dynamic Bond-G
    SBI Magnum Equity-G

    • Suresh says:

      Hi Prashant, Any specific reason why you are the favorite of SBI ? Invest in variety of funds. SBI Emerging, Dynamic are good. FMCG is high risk fund, you can choose small amount. You can choose other top mutual funds.

  236. madukar verma says:

    sir,

    i want to invest sip please suggest me, whitch company is better for investment,if i invest rs 1000 per month after 10years,how much money i get back?

     

    • Suresh says:

      Madhukar, the returns would depend on your risk apettie. If you are high risk investor, you can invest in sector based funds and mid-cap funds. The returns would vary from 15% to 30% per annum. If you are conservative investors, invest in balanced mutual funds or debt funds which provide returns of 9% to 11% per annum. Pls go thru the article for more info.

  237. Shubhodip Chakravarty says:

    Hello Suresh,

    It's great reading your thoughts. I need advise to build corpus for retirement through M.F's.
    Present Age: 32
    Monthly Expenduture : 50000 per month (all inclusive)
    Plan to Retire at : 50

    I am investing in the 5 M.F's for last 3 years for this purpose & they are as follows

    1.Pure Large Cap.
    H.D.F.C Top 200 – 2000 I.N.R invested monthly
    H.D.F.C  Equity – 2000 I.N.R invested monthly
    2.Large Mid Cap.
    IDFC PREMIER Equity – 2000 I.N.R invested monthly
    Sundaram Select Mid Cap – 2000 I.N.R invested monthly
    3.Gold E.T.F
    Reliance GOLD E.T.F – 2000 I.N.R invested monthly
    Apart from above i save in P.P.F ( 50000 anually) and there is a E.P.F with my company.

    Please suggest how should i go about it as i have roughly 18 years left.

     

    • Suresh says:

      Hi Shubodip, Your current expenditure of Rs 50K per month i.e. Rs 6 lakhs per annum if considered at 7% inflatoin rate, it would be Rs 20.27 lakhs per year. So, you would require Rs 20.27 lakhs starting from 51st year. Assuming the life is upto 80 years, means you need 30 years of annual expenses. This translates to Rs of 5.23 crores (after inflated adjusted returns). To earn this corpus from your 32nd year to 50th year i.e. in 18 years, you need a monthly investment of Rs 59,000 assuming that inflation is around 7% and your returns would be at 13% (equity+MF 70% and debt/FD 30%). You should invest 70% in mutual funds+stocks and 30% in bank FD or any othe safe investment option. The MF’s you indicateded are good for long term. However Sundaram midcap, you can reduce and invest in other diversified funds. Regd Gold ETF, I invest in SBI Gold ETF as expense ratio is < 0.5% p.a. others all charge 1+% p.a.

  238. Rajan says:

    Dear Sir,

    My saving per month is INR15000, can you plz suggest me how to invest this money & Where ?

    Thanks

  239. Murali says:

    Hi,

    Iam new to Mutual funds investments-SIP, recently i started investing in SBI tax savings and SBI FMCG

    SBI tax savings – Rs2500

    SBI FMCG – Rs 1000

    please advise, the above schemes are good or not to invest ?

     

    Thanks,

    Murali

    • Suresh says:

      Murali, You should be clear about your investment strategy before you invest. When you said SBI Tax savings (You need to give full name as there are couple of SBI tax saving schemes), are you investing for tax purpose ? Also SBI FMCG is high risk and high return investments. Since you are new to the mutual funds, I would not advice you to directly invest in such risky sectors. Invest in balanced and debt mutual funds to start with. Once you know about mutual fund classes, you can invest in other categories too. Please let me know in case you need any further help.

  240. Vikas says:

    Hi Suresh,

    Its always great to read your insights. I wanted your advice. I am starting new SIP's and here is my plan..

    HDFC Top 200 – 10000

    HDFC Prudence Fund – 12000

    ICICI Discovery Fund – 12000

    Please let me know your thoughts.

    Thanks a bunch Sir

    Vikas

    • Suresh says:

      Vikas, You have choose one large cap fund HDFC Top-200 and one mid-cap fund-ICICI Discovery and one under balance fund-HDFC Prudence fund. All are good and you are able to do portolio diversification in mutual funds. You should invest some portion in debt mutual funds or in bank FD’s too. 

  241. neetu says:

    Sir

    me nd my husband both r in private jobs with no pension schemes at all. Can u pl suggest that for getting a pension of 30,000 Rs per month after 15 years where should i invest . kindly specify the names of mf , sip and all as i m new to this. I can invest Rs 5000 to 7000 pm.

    Eagerly waiting for ur advice.

    thanx

    • Suresh says:

      Hi Neetu, You are mixing up pension schemes and mutual funds. To start investing, invest in debt funds and balanced funds. Over a period of time shift to large cap and diversified mutual funds + balanced mutual funds so that you can create wealth for long term. The top funds under this category are given in this article

  242. Sujatha says:

    Hai Mr. Suresh,

    I am 30 Years old and I invested in the following fund for last 1 year. Kindly give me your opinion and suggestion about my portfolio.

    UTI opportunities – 3000 pm

    Reliance Equity opportunies – 3000 pm

    Birla Sunlife MNC – 3000 pm

    UTI MNC fund – 3000 pm

    ICICI ru FMCG -3000 pm

    Thank you very much for your guidance .

  243. Sathiya says:

    Dear Mr Suresh – I came across your website while researching on Mutual Funds. I have been  investing in FDs and Provident Funds for the past  years. My friend suggested that I invest in Mutual funds. He suggested that I invest in ELSS funds like BNP Paribas Tax Advntage, Axis Long tern equity, Franklin Tax shield, Religare Tax & ICICI Pru Tax (about Rs 500 as a SIP in all these funds and decide a year later on the fund's performance). My friend also suggested that I also diversify my options and also look at Debt Funds and Balanced funds where the min investment is about 1000 INR). What would you recommend? I wanted to get your opinion on this.

    Thank you
    Sathiya

    • Suresh says:

      Hi Sathiya, Please refer my latest article about best ELSS Mutual funds. I have published this on Monday. Debt funds are low risk, but returns would be higher than bank FD. Balanced mutual funds too are moderate to low risk. However these are good for investors who are looking for low risk. If you are moderate risk investors invest in large cap, diversified mutual funds. These would provide good returns on long run. If you are high risk investor, add a small portion and invest in sector based funds. BTW, how is our blog. What kind of improvements you would like to see.

      • Sathiya says:

        Dear Mr Suresh,

        Thank you for your response. Your insight were truly very helpful. Earlier, I just wanted to invest in ELSS funds (tax) However, after your response and the other articles on your blog, I want to diversify my investment in MFs (other than ELSS).  I understand that I should probably diversify my investment for a proper fiancial planning. I wish to invest in large cap diversified fund, debt long term, balanced and setor based fund in addition to the ELSS (though you recommended large cap and sector). Is this the right approach? Additionally I would be very grateful if you would offer your doubtlessly perceptive insights on the various AMCs I can invest on the above sectors (if its not much trouble)

        Website: Mr Suresh, yours is one of the the best websites I have come across till date. Your interesting and accurate articles to investors and your response or what makes this webste uniquely special. I see that you have already connected into social media (facebook, twitter). I have a few things in mind:

        (1) I suggest that you try to add a direct online chat with you once a month or once every quarter for 30 minutes or so depending on your availability. That way, when people interact directly on a chat room with you, it feels even more personal and some of us may also end up signing for your paid services.

        (2) Providing some real life examples of some investors (ofcourse, you will have to remove name of clients etc) and sharing their success story would be a great idea. (For example, Investor X invested Rs 5000 per month for the past 3 years in a SIP and was rewarded with very good returns of 11-13% p.a. etc)

        (3) SWOT of AMC each month will ensure that readers will visit your blog each month to see your views and research on the AMCs's competence.

        (4) If you can interview any of the Fund managers (on their plans for the fund, or their reasons etc) of a successful fund and based on that interview, if you would offer your insights, people would be clamouring to your blog. Especially the investors of a particular mutual fund will get an opportunityto 'know' their fund manager (no one does this) and at the same time, people will also get your expert opinion (as you are  a neutral person)

        Hope this helps. Thank you once again for your advise.

        • Suresh says:

          Hi Sathiya, Yes your approach is right. Also thanks for your valuable feedback for our website. We would focus on these improvements to the major extent and see that these are implemented in short period of time. Thanks once again.

  244. Manesh says:

    Dear sir,

    I started a SIP portfolio on last June 2012 and now I am thinking to review it according to your advice. This portfolio is for a long term goal and I can invest 15000/pm for next 10-12 years. 

    SBI emerging business – 2500

    ING dividend yield  –       2500

    ICICI pru focused bluechip reg – 2500

    Mirae Asset India oppor.  reg – 2500

    hdfc Midcap opp. – 2500

    Quantum long term eqty – 2500

    Do I need to avoid/change any fund from the above list for a better performance ?  Thank you very much for all your guiding words here.

     

    • Suresh says:

      Maneesh, The portfolio is ok, but you are investing too much in mid-caps. If assuming mid-caps are not doing well or there is crash in mid-caps for some time, your portfolio would be in a big problem. Consider, largecap, diversified, balanced and debt mutual funds for portfolio diversification.

      • Manesh says:

        Dear sir, thank you very much for your advice and kindly suggest me which fund is need to remove and which one need to add to this portfolio for a better balancing.As a beginner, I am confused to do that without your opinion. I really appreciate your advice.  

        • Suresh says:

          Manesh, The list I recommended has from various sectors, hence it would be ideal for diversification. Invest less in sector based funds. Go with this list.

  245. Joseph says:

    Hi Suresh, I'm looking to invest in SIPs over a long term (more than 20 years) and contributing anywhere between 10 to 15k permonth. By the end of the 20 years i'm looking to gain a minimum of 15% returns. Given this, my queries are

    1) Is remaining invested in Mutual funds for such long term advisable ? (i'm not looking for tax savings).

    2) Which funds would help me achieve the returns i'm looking for.

    3) How should I balance the risk of my portfolios given that my risk for appetite is medium to high.

    really appreciate your advise. Thanks a lot.

     

    • Suresh says:

      Hi Joseph, I could see two points from your question. One is about mutual funds and another is about risk of portfolio. 1) Mutual funds industry has been growing and it would grow. There are instutions like SEBI which keeps monitoring the activities of mutual funds and hence I feel it would be best to invest in mutual funds keeping the market risks in mind. If you are looking for long term view, invest in diversified mutual funds, large cap mutual funds and balanced mutual funds. Keep some portion for sector based mutual funds like FMCG or Pharma funds. These sector baesd funds may not perform well in long run as it would depend upon the industry performance. 2) Like I said, investing in various mutual funds, diverisify your portfolio in such a way that in case any of the investment class is not performing, your portfolio should not get screwed. Invest in stocks, mutual funds (diversified, debt, balanced, largecap etc.,), Bank FD’s etc.,

      If you like our blog, give me a facebook like :-)

  246. sriram says:

    Hi, suresh
    iam decided to invest 2500 pm in sbi fmcg fund for short term of 1yr.
    Thru sip so should i go ahead?

    • Suresh says:

      Sriram, SBI FMCG is good, but it is very high risk, high return mutual fund. There could be a situation where the industry can be in down trend and you may loose money. Instead invest in diversified fund along with this.

  247. Partha says:

    Hi Suresh,

    I had invested in DSP BR Small & Mid Cap-RP(G). since Nov-2000 ,for 62 months.

    Is it a good MF to continue.And what if i dont redem after 62th month(maturity time)?

    • Suresh says:

      Hi Partha, DSP BR Small and midcap fund is crisil-3 ranked fund and average fund. The returns are just in line with FD. You can invest in better MF’s and Crisl-1 and Crisil-2 ranked Mutual funds.

  248. Sushil says:

    hi,

    Can i invest in raligare SIP mutual fund because i am new in this field….

  249. Ankit says:

    Hi Suresh,

    My age is 28 I am planning to start investing in SIP. I can start with 5000 PM. I do not have any specific goal as yet. But i want to start with 3 years SIP in order use that amount if required.  Please answer the following questions for me –
    1- Will 3 years SIP also help me in tax savings.?
    2- In which mutual fund should i divide my 5000.00 amount in?
    Thanks in advance
    Ankit

     

    • Suresh says:

      Hi Ankit if you are looking for 3 years investment period along with Tax savings, invest in ELSS Mutual funds. The lock-in period is 3 years. You can invest in Axis long term equity fund or Can robecco tax saver or Franklin India tax shield funds which are all Crisil-1 ranked and provided good returns. If you liked my blog, give me a facebook like

  250. ANIL KUMAR RAGHAV says:

    Hi Suresh,   I've Read about You on this web-site can you help me investing some amount of Money so that i can get Monthly Income I wanted to invest in Mutual Funds can you guide me.   Thanks and Regards, Anil Kumar Raghav

  251. VEERAIAH says:

    Hai Mr. Suresh,

     

    I am 35 Years old and I am planning to invest in the following through Flexi SIP for 5 Years

    BI magnum emerging fund (Mid-cap and small-cap): 1000/- monthly
    HDFC Balanced (Growth) SIP of 1000/- monthly
    SBI Magnum FMCG fund (FMCG): 500/- monthly

     

    Please Suggest Me.

    • Suresh says:

      Good that you are investing less amounts in sector based funds which are high risk. BTW what is your experience on Flexi SIP ?

      • VEERAIAH says:

        Dear Suresh,

         

        Thanks for reply, I don't have any experience as I am new to SIP, I feel through Flexi SIP we can vary the monthly investment depending on market condition. So please suggest me should I go with SIP or Flexi SIP.

        • Suresh says:

          You are right. You can invest variable amounts based on market conditions or you can invest in case you have any additional money. In my opinion, this is a good option

  252. Sarvesh Goswami says:

    Hi All

    I am new to investments. I want to invest 50K in mutual funds for 10 years. Please suggest me which MF is good.

    • Suresh says:

      Hi Sarvesh, Invest in diversified funds and balanced mutual funds. Once you get to know more about mutual funds, you can start investing in other categories of mutual funds. I hope you are liking our blog. Please share some of the articles with your friends thru facebook :-)

  253. Tabish says:

    hii Suresh..i have just read your suggestions on MF on your website..I find you to be genuine, knowledgeable and helpful person so i would request you to help me in making a financial decision-
    I am 32 years old and have a son who is 8 months old. i did invest in MF some years back but then withdrew after a year. Now i would like to invest again with a horizon of atleast 15years(especially for my son). i want to build a huge corpus by that time but right now i can only invest 4000 per month through sip. therefore i request you to please suggest funds which are constantly performing for years and would probably continue to do so in near-future.
    Secondly,I also would like to ask whether it is better to take an insurance policy for my son or invest in MF for him?what would be better?
    Thanks n Regards

    • Suresh says:

      Hi Tabish. Thanks for your comments. Invest in diversified mutual funds and balanced mutual funds to start with. Over a period of time invest in midcap MF’s and large cap mutual funds too. Do SIP every month so that any markets fluctuations would be taken care and you would get good returns between 9% to 15% p.a. Consider taking term insurance for insurance coverage. In term insurance you need to pay less amount and the insurance coverage would be more. If you like my blog, please share some of the interesting articles on your facebook so that your friends would also get benefitted and I would also get some good readers like you..

  254. sriram says:

    Hi, suresh
    iam sriram 26 yrs, unmarried. I have done some research in mfs.
    Iam new to this iam planning to invest 2500 pm. In mutuaal funds for short term period of 1 to 2 yrs
    my expectation returns are 30% p.a.
    Should i invest in debt or sector based funds??

    • Suresh says:

      Sriram, Sector based funds are providing good returns. However they are high risk. Some times, even you may loose money if entire sector goes down. Debt funds are safe and offer 8% to 11% returns. You are looking for very short term of 1-2 years and that too for 30% p.a. would be very tough target

  255. Rudra says:

    Hi Suresh,

    Is it advisable to invest in Kotak Gold Fund. How it is different from ETF's??? I want to start investing inSIP's. My budget is Rs 5000 per month. Please suggest some fund if i want higher return in short term say 3 years..

  256. Ricky says:

    Hi Suresh,

    I have raised one query regarding mutual funds. I am waiting for your response for the same?

    Thanks in advance,

    Regards,

    Ricky

  257. Rajeev Sharma says:

    Dear Sir,

    I am planning for investment on short and long term basis. I am 35 yrs and do not have any financial burdens as same are cleared by me. Request you to kindly suggest good safe funds where  i can invest which can give me good results.Do tell me about the gold funds.

    Many Thanks

    Rajeev

    • Suresh says:

      Hi Rajeev, If you looking for safe investments, invest in balanced funds and debt mutual funds. Regd Gold, I invested in SBI Gold ETF and felt better. I felt gold ETF’s are better than gold mutual funds. Refer my article on this subject in case of any further queries.

      • Rajeev Sharma says:

        Thank you Sir for the information. Can you plesae syggest me some funds and amount to be invested for the same.

         

        Many Thanks

        Rajeev Sharma

         

        • Suresh says:

          Hi Rajeev, tomorrow (Monday), there is an article getting published for low risk investors like you where you can invest in balanced mutual funds and debt mutual funds. I am recommending some of the funds with some analysis.

  258. Rajesh says:

    Sir ,first of all very thank ful for ur advice , sir my question is that ,in tax saving purpose  should I go for ppf or elss , if elss than which elss for and  whom to approach to buy this elss mutual fund ,thanks

    • Suresh says:

      Rajesh, Thought both have same objective i.e. tax saving purpose, ELSS has 3 years lock-in and PPF has to be opened for 15 years. PPF can also be used for retirement planning. If you sole objective is only tax purpose, invest in ELSS (e.g. Axis long term equity or Franklin tax shield) or NSC’s for 5 years period.

  259. Biswajit says:

    Hi Surash,

    First of all thank you very much for your kind support to understand mutual fund through SIP. Am planning to invest in mutual fund through SIP but unable to prepare my portfolio. Keep in mind my retiremet and child education please suggest few fund which I want to start from 1st of May onward. Target 15 year's and budget Rs 6000-8000 PM also suggest one ELLS for tax saving .

     

    Egarly waiting for your kind reply

    Regard's

    BISWAJIT KAR

    GUWAHATI

    ASSAM

    • Suresh says:

      Biswajit, Invest in a combinnation of largecap, diversified, balanced and debt mutual funds. Regd ELSS, you can look for Axis long term eqiuty fund or Franklin india tax shield.

  260. Ricky says:

    Hi Suresh,

    I have visited your site for the first time and found it to be very helpful in planning the investments. You are really doing a great job. I need some guidance from you regarding my mutual funds portfolio. I have started my investment in mutual funds in 2009. For some of the mutuals funds, I have stopped the SIP(based on performance) and for some, I am still investing. But I have not taken my money out from any of the funds. I need your suggestion for my mutual funds. For which funds, I should pull my money out and invest in new funds. I can stay invested for long term. Below mentioned is my portfolio:

    Birla Sun Life Midcap Fund – Gr(Still invested) –> September 2009-Present  

    Invested amount: 86000, Appreciated amount: 88792

     

    HDFC Equity Fund – Gr(Stopped SIP)–> September 2009-Feb 2010

    Invested amount: 40,496, Appreciated amount: 52,211

     

    HDFC Top 200 Fund – Gr (Still invested)–> September 2009-Present

    Invested amount: 88,000, Appreciated amount: 96,655

     

    ICICI Prudential Dynamic Plan-Cum (Lumsum amount-September 2009)

    Invested amount: 40,000, Appreciated amount: 60,000

     

    SBI Contra Fund – Regular Gr(Stopped SIP)–>Sep 2009- Oct 2012

    Invested amount: 1,63,500, Appreciated amount: 1,74,000

     

    SBI Magnum Equity Fund – Gr(Stopped SIP)–>Sep 2009 to Aug 2010

    Invested amount: 36,500, Appreciated amount: 45,852

     

    SBI Magnum Tax Gain Fund – Gr (Stopped SIP)–>Sep 2009-Oct 2012

    Invested amount: 3,04,000, Appreciated amount: 3,36,175

     

     

    Thanks,

    Ricky

    • Suresh says:

      Ricky, here are my comments. HDFC Equity fund, top-200, ICICI Pru dynamic plan, SBI magnum equity fund are good. Birla midcap fund, SBI contra fund, SBI Magnum tax gain are underperformers and crisil rates 2+. You can check appropriate time and exit from them and invest in better funds listed here.

  261. vijay says:

    hi i m 23 years old.investing 2k in hdfc gold fund,2k in hdfc midcap oppurtunaties,1k in hdfc top 200, 2k in reliance equity oppurtunitis,1k in reliance pharma fund.are above funds good.i am planning to invest 10000 more for my little daughter.should i go for mf.please teel me how much should i invest in each fund

    • Suresh says:

      good to hear this vijay. Yes, for your daughter too, you can invest in either direct stocks + mutual funds or indirectly participating in equity thru diversified mutual funds

  262. kumar says:

    hi i want to invest 15000 rupees every month in SIP's can you please guide me which are the best as per returns. I am ready to invest in high risk so after that will be left with 10000 i expect the same to be invested in moderate ones

    • Suresh says:

      If you are high risk investor, invest in midcap-large cap MF and sector based mutual funds. Top funds under this category is indicated here.

  263. Satish says:

    Hi,

    I am investing in Reliance diversified power growth fund from last three years and it is -10 % down compared to my total investment. Please suggest best mutual fund to switch so that I can avoid loss and gain the lost amount.

    Thanks,

    Satish

    • Suresh says:

      Satish, there are several investors who invested in infrastructure/power sector growth fund and the sector is underperforming. Any sector based fund is high risk. You can look at possible exit from such mutual funds. Look to invest in diversified mutual funds or large cap mutual funds

  264. Debasish says:

    Hi Suresh,

    I want to invent in SIP for a longer horizon for say 10 years and my monthly investment amount would be around 20k.Pls suggest me funds and amount where I can get an average annualised return of 12-13%.Presently I am investing 2k each in ICICI Prudential Focused Bluechip equity fund and ICICI Prudential Dynamic fund.

     

    Regards,

    Debasish

    • Suresh says:

      Debashish, All MF’s indicated are top funds. You should invest less in sector based funds as they are high risk. ICICI Pru blue chip is good. Pru Dynamic fund is defense fund which woud protect for any major ups or downfalls and reduces your losses .

  265. puneet says:

    Hi suresh,

    I'm 22 year old,and want to invest Rs.5000 per month in mutual funds also i want to keep my investment as short as i can.so please suggest me which plan i should go for,please provide me detailed suggetion as i dont have any knowledge of mutual funds.

  266. chandan says:

    Hi Suresh,

    I have selected fund for long term  7 to 10 year. Kindly correct me If going wrong.

    BIRLA SL GEN NEXT(G)-1500

    SBI BLUE CHIP-1500

    SBI  PHARMA-100

    UTI OPPERTUINITY FUND-1000

    RELIENCE PHARMA-1000

    Thanks,

    Chandan

     

  267. Zubin Baisiwala says:

    Hi Suresh

    Thank you so much for posting such informative articles.
    I need advise on couple of matters:

    1. I am looking at investing in gold ETF’s. Could you please advise which is the best ETF for investment out of SBI Gold, HDFC Gold, Goldman Sach and Quantum?

    2. I am also looking at investing Rs. 5,000 per month in SIP Mutual Funds. My scope for investments would be short term (3 years) clubbed with a bit of long term horizon (5 years). Based on aforesaid I have shortlisted following funds:

    UTI Opportunites Fund- Rs. 1,000
    Reliance Equity Opportunties Fund- Rs. 1000
    SBI Magnum Emerging Fund- Rs. 1,000
    Reliance Pharma Mutual Fund- Rs. 1,000
    SBI FMCG Mutual Fund- Rs. 1,000

    Please let me know if aforesaid is good enough. If not, please suggest me an alternate plan to invest in mutual funds.
    Any help would be highly appreciated.
    Thanks in advance.

    Zubin

    • Suresh says:

      Hi Zubin, 1) All gold ETF’s would track the gold as underlying asset, hence you can buy any ETF where the annual charges are less. You can consider SBI Gold or Goldmansach Gold ETF. 2) MF’s choose by you are good. One update is don’t go heavy on pharma or FMCG. You reduce that to 20% only and invest in other large cap or diversified funds

      • zubin says:

        Thank you for prompt reply.
        Would you advise investing Rs.500 pm in sbi fmcg and reliance pharma instead of Rs.1000?
        Could you please tell me a 6th mutual fund for investment as aforesaid investment would amount to Rs. 4000.
        Also, I already have a demat account with hdfc. Would it be possible to trade in gold etf through the same? How is Quantum Gold Etf? Is it better than sbi and goldman?

        • Suresh says:

          All ETF’s track gold. However, one catch is the expense ratio.  Means this is the amount they would deduct from your NAV every year. Expense ratio for GS Gold ETF is 1%, Quantum gold ETF is 1% and SBI Gold ETF is 0.94%. Now you know why I recommend SBI Gold ETF :-)

          • zubin baisiwala says:

            Thanks for your advise. But now I got to know 2 more things. What is the lot size in gold ETF? Is it possible to buy 1 gram each month? I have heard lot size of quantum is 0.5 gram?

            Lastly, could you please help me with 6th Mutual fund for investment because aforesaid investments in 5 funds would amount to Rs. 4,000. So I can invest Rs. 1,000 in one more fund :)

          • Suresh says:

            1 Gram – 1 Qty. Consider anything from largecap or midcap or diversified for your 6th fund

          • zubin baisiwala says:

            Hi Suresh,

            I finally invested in mutual funds as follows:

            1. UTI Opportunities Fund- INR 1000 pm

            2. Birla Sun Life Gen Next- INR 1000 pm

            3. Reliance Opportunities- INR 1000 pm

            4. SBI Emerging Business- INR 1000 pm

            5. SBI Pharma- INR 500 pm

            6. SBI FMCG- INR 500 pm

            Please tell me if aforesaid is good enough for 3 years?

          • Suresh says:

            Good. If you invest for longer term than specified, you would benefit more

  268. Anshul Sharma says:

    Dear Mr. Suresh,

    I would like to know how can I save taxes by investing in MFs if such provision is there.

    Regards,

     

     

    • Suresh says:

      Hi Anshul, you can invest in ELSS mutual funds to save tax. Some of the good ELSS MF’s are Can robeco tax saver fund and Franklin india tax shield fund

      • Anshul Sharma says:

        Dear Mr. Suresh,

        What are the % of returns p.a. for your suggested ELSS MFs.

        I am planing to invest Rs. 10,000 p.m. for atleast five years and what other options are available to yeild good returns by investing in tax saving MFs and normal MFs.

        Regards,

         

  269. Rakesh says:

    Hi Suresh,

    First of all many thanks for this post. I am completely new investor and wanted your suggestion. 

    My plan is 

    UTI Opportunities Fund – 1000/month

    HDFC Balanced Fund – 1000/month

    Reliance Equity opportunities Fund – 1000/month

    Please suggest if this looks fine. Thanks.

  270. Ganesh says:

    my age 36 and i want to invest 10000 in MF (SIP) PLEASE ADVICE me different sip for my portfolio( moderate risk appetite)

  271. Anas says:

    Dear Suresh,

           I am 40 years old NRI(UAE) and planning to invest Rs. 10000/month in SIP, please advise me some best SIP mutual funds and how much I need to invest each fund. your support highly appreciate.

     

    Anas.

     

  272. amit says:

    Dear Suresh,

    Thanks for very nice and lucid information.

    I am 29 years old and interested to invest in three diffrent SIP on an average about 2000/month for 5 years or open ended mutual funds.  pls suggest me the best investment plans.

    amit

     

    • Suresh says:

      Amit, you are at young age and should invest for long term. Invest in large cap funds, diversified funds and small portion in sector based funds. You should also look for investment in gold (thru SIP) as part of your portfolio.

      • amit says:

        Thanks alot for quick and valuable reply..

        I am planning to invest in following MFs

        ICICI Pru focused blue chip fund (Large cap): Rs-1500

        SBI magnum emerging fund (Mid-cap and small-cap): 1000

        Reliance equity opportunities fund (Diversified)1500

        SBI Magnum FMCG fund (FMCG): 2000

        As I am novice to the mutual fund pls suggest suggest me the best SIP for gold investment. Any comment on the above portfolio chalked out by me?

        Thanks again.

        amit

        • Suresh says:

          Amit. MF’s indicated by you are good. Regd Gold SIP, invest in Gold ETF’s instead of Gold mutual funds. You can refer my article on the differences between these two. Regd Gold ETF,s you can invest in any gold ETF’s as most of them invest in gold or in gold manufacturing/refining companies.

    • Syamantak says:

      Dear suresh.

      I'm 27 and started investing in mutual funds from this yr. 2013 onwards.
       I've invested in the following.

      HDFC Equity -(Growth) SIP of 2000/- monthly for 15yrs.
      Franklin India Bluechip (Growth) SIP of 3000/- monthly for 10yrs
       

      ICICI Pru. Discovery Fund Reg. (Growth) SIP of 1000/- monthly for 15yrs.

      IDFC Premier Equity (Growth) SIP of 1000/- monthly for 15yrs.

      HDFC Balanced (Growth) SIP of 2000/- monthly for 10yrs..

      Pl. suggest whether this combination is worthwhile?

      Regards,

      • Suresh says:

        Syamantak, you have captured large cap, midcap and balanced funds which are good. You can invest small portion in sector based funds too.

  273. royald says:

    hi Suresh,

    I am 25 , i would like to start my investment in SIP's , i am ready to invest 2,000 rs for the next 16 years , could  you please suggest me some schemes ?

  274. Mohammed Faaiz Sait says:

    Hi Suresh,

    I have been investing in mutual funds for over 3 years now but I’m just stuck with Franklin Templeton, I’m not very happy with the outcome and have been doing some research as to which is the best fund to Invest, I have heard a lot about SBI Magnum Emerging Business fund. I plan to Invest Rs 10000/month, Please advise if this is a good fund to invest. I want to invest for a period of 1 year and based on the performance would I like to Increase the tenure.. Awaiting your reply.

    • Suresh says:

      You would have seen that this SBI Magnum emerging fund is already recommended as good fund. You can invest. But why do you want to invest in single fund. Why don’t you diversify and invest in 2 to 3 funds. invest in large cap, diversified and balanced mutual funds

      • Mohammed Faaiz Sait says:

        Dear Suresh,

         

        Thank you for your advise. I need your help again with what you've mentioned above. How much according to you should i invest in SBI Magnum emerging fund and also could you please help me in understanding the difference between large Cap,Diversified and balanced mutual funds? I would also appreciate if you could tell me how much should I invest every month in each of these if I want to Invest Rs 10000/Month? Please do reply at your earliest convenience?

  275. BHANU PRAKASH says:

    hi suresh , I am a govt. employee . I can invest 4k on SIP . suggest me two MF . I will invest for time horizon of 5-7 yrs..

  276. Anas says:

     Dear Suresh,

         I am 40 years old and new in mutual funds, I am planning to invest in SIP 10000 RS/M for 20 years please advise me best SIP funds and scheme of investment.

    • Suresh says:

      Anas, pls invest in large cap or diversified mutual funds. If you are looking for some safety to your principal and want to take low risk, you can invest in dbet mutual funds and balanced mutual funds.

  277. JAGDISH says:

    Hi Suresh,

    Planning to bye some shares of RCOM. Expecting 20-25% returns out of it.

    need your valuable suggestion.

    Thanks in adv.

    • Suresh says:

      Jagdish, It would be difficult to tell how much returns we may expect in a particular stock. All stock market investments shold be long term. RCOM price got beaten like anything few years back. I would not advice at this point of time.

  278. Kishore Singh says:

    Hello Sir, I need some sincere and serious advise please. I am 54 and intend to work till 60. I can safely invest 25000/- P.M. in MFs for the next 5 years. Please advise the best funds. Thanks.

    • Suresh says:

      Hi Kishore. I understand your concern. Since you have limited time for retirement you are more concerned about your hard earned money. Go for diversified and large cap mutual funds through SIP. Invest part of your amount in Bank FD too and do not invest completely in MF too.

  279. Laxman K says:

    Hi Suresh, I am new to your blog & MF's and SIP too.It was verymuch helpful.

    I want to invest Rs 5000 per month in SIP or in other schemes which gives good returns in 3-4 years.

    Please suggest me which one is the best for me to invest the money

    • Suresh says:

      Invest them for 5 to 10 years period to get good returns. You can invest in these top mutual funds of large cap, diversified, balanced and debt mutual funds through SIP

  280. Maheshwari says:

    Hello Suresh,

    I need some recommendation from you on investing in SIP's. I am basically a 35 year old IT professional .I have a son who is 7 years now and i need to plan for his education and our retirement.. I can invest upto max of 5-6  SIP's for an amount of 5k each.Currently i am investing in following SIP's.Can you suggest if i need to reallocate my portfolio based on the goals i listed above.

    1)SUNDARAM SELECT MID CAP GROWTH

    2)HDFC MID CAP OPURTUNITIES FUND

    3)FRANKLIN TEMPLETON BLUCHIP FUND

    4)DSP BLACKROCK TOP 10 EQUITY FUND

     Regards,

    Maheshwari

    • Suresh says:

      Hi Maheshwari, Invest in the top funds I have indicated here. Keep low investment in sector funds like FMCG and Pharma fund. Regd your portfolio I think it is DSP Top100 and not Top10. Except this others are ok. This is a underperformer, you can like to revisit and invest in better mutual funds like ICICI Pru focussed blue chip or UTI Opps fund

  281. Pratheesh says:

    Hi,suresh,

    I am planning to invest MF through sip. kindly clarify my following doubts.

    1.SIP investing methods : monthly ? equal amount ?

    2. can I invest through online : best website ?

    3. how long i want to invest: any minimum duration ?

    • Suresh says:

      1) Invest monthly through SIP. Any market fluctuations would be taken care of

      2) Good site are ICICI Direct or Fundsindia.com

      3) You should invest for long term of 5 to 10 years to gain more

  282. Maheshwari says:

    Hello Suresh,

         I am basically 35 year old working IT professional.I have a son who is 7 year old. I am planning to invest and the goal as such is savings for my son's education and our retirement.

    Currently i am investing in the following SIP's.Could you suggest if these are fine or should i reallocate my SIP's.I am investing 5K in each of these SIP's.

    DSP BLACKROCK TOP 100 EQUITY FUND – GROWTH

    FRANKLIN TEMPLETON BLUECHIP FUND – GROWTH

    HDFC MID CAP OPPORTUNITIES FUND – GROWTH

    HDFC TOP 200 FUND – GROWTH PLAN

     

    • Suresh says:

      Except DSP Top 100, others are good. DSP top-100 is underperformer and you may revisit and invest in other SIP mutual funds like ICICI blue chip fund or UTI equity opps fund

  283. sandeep says:

    good list of funds…very helpful. slightly high on the risk parameter but makes sense to enter midcaps if you have a 5 yr horizon

  284. Barnali Dey says:

    hi,

    i m 28yrs old n currently working in banking sector .i would like to invest 10 k evry month trough sip for my chlid education and for my retriment please suggest me some funds where i can invest.

  285. Jitendra says:

    Hi Suresh,

    I am 28 yr old working professional and I haven't started any investment yet. I would like to start some SIP's (good if tax saving and lon term). Other than SIP's where should I invest? I have reliance money account which I havent used for long time. I would like to invest 8-10k per month.

    • Suresh says:

      Jitendra, what is your invesmtent objective. If you want to take risk and looking to earn high returns, you can invest in stocks. But do it thru SIP in stocks so that market volatility can be reduced in your investments.

  286. Sumit says:

    Dear Suresh,

    I am planning to invest Rs.5 thousand per month in Mutual funds through SIP system for my child education who is 5 years old.

    Well i don't know about Mutual fund as advance level but have little bit knowledge and this my first investment in MF, your site is very good and informative than others, i like it. good work.

    I have sort out some funds or please suggest the right & appropriate funds.

    - ICICI Pru Focused Bluechip Eqty (G) – Rs.2000

    - UTI Opportunities Fund (G) – Rs.1500

    - HDFC Mid-Cap Opportunities Fund (G) – Rs.1000

    - SBI FMCG Fund (G) – Rs.500

    thanks

    • Suresh says:

      Hi Sumit, the funds you have choose are good. Invest less amount in sector based funds as they are high risk and high return investments.

      • Sumit says:

        Dear suresh

        Well I don’t. Know. Sector. Based. Funds please help me to make
        Correct Portfolio as this investment is for my child future studies. And I have very less knowledge about mutual funds.

        Thanks

  287. Anuradha says:

    Hai Suresh,
    The article is very informative and really helps a person like me to know How a SIP works. I am 34Yrs old and I would like to invest in SIP, iam new to it. Will you please help me or suggest me in which I could invest. My budget for SIP investment is Rs 2000/pm.
    The investment is mainly for my son’s education expenses.He is 10 year old, last year I took LIC Komal Jeevan,of a sum assured of 1 lakh, is it good, the premium is 15000/year for 10 years..please suggest me regarding this, and is it pan card necessary for SIP. Where to contact in Mysore.Waiting for your valuable comments.

    Thank You,

    • Suresh says:

      Hi Anuradha, Before i answer your two questions, I have a question for you. Will Rs 1 lakh is sufficient for you child in your absense ? If not, please increase your insurance which should be your priority now. If you have other insurance covering up this, pls ignore my question. Regarding your question of investing in mutual funds for Rs 2,000, you can invest in diverfiied mutual funds like UTI  Equity fund or Reliance Equity Opps fund or UTI India life style fund. All these are crisil-1 ranked and are good funds. You can also invest in large cap funds like Birla Frontline or ICICI Pru focussed funds. PAN card is mandatory for SIP investments. You can invest thru online by visiting the concerned mutual fund sites or any other brokers like fundsindia.com or ICICI direct.com

  288. Anish says:

    Dear Suresh,

     Thanks for your advice, i have a fliop account with Geojit for the share trading, when i asked them about my investment plan in MF, (15000 Every Month) they said to go for Birla Sunlife top 100 and HDFC frontline, so will u tell me is it a good idea to go with it?

    • Suresh says:

      Anish, Bila sunlife top 100 is crisil-1 rated and good fund. There is no fund like HDFC frontline. I think it is Birla sunlife frontline equity fund. Thisis also a good fund for long term.

  289. karthick says:

    Hi Suresh ,

     

    Your Blog is very interesting and very useful. Im 25 years old . Im planning to invest 1000k in SIP or Mutual Fund. Kindly suggest me some good fund which is very less risk for long term. I may increase my investment has salary increases. I came to know from ur blog HDFC top 200 fund is very gud.

    • Suresh says:

      If you want to start with Rs 1,000 per month, invest in diversified mutual funds like Birla SL India gennext or Reliance equity opps fund or UTI Lifestyle india fund

  290. subhendu karu says:

    Hi sures,

                  this is really a nice article on MF.I am 32 & want to invest 6000 p.m. in sip.kindly suggest the funds for sip.

                                                    with regards.

    • Suresh says:

      Subhendu, I just responded to another reader, but neverthless, if you are looking for long term investment, you should invest in largecap and diversified mutual funds. Under Largecap ICICI Prufocussed blue chip, UTI Opps fund are good. In Diversified funds, Reliance equity oppos fund is good

  291. Anish says:

    Hai Suresh, i read the comments above and it was a good lessson for me, i am NRI and my age is 31, now i want to invest a fixed sum of 20k monthly on mutual funds, but the selection of the fund is a bit confusing for me. can u suggest a better portfolio forr me to do the investments for another 10 years.

    • Suresh says:

      Anish, Since your investment period is 10 years, you should invest in largecap and diversified mutual funds. Under Largecap ICICI Prufocussed blue chip, UTI Opps fund are good. In Diversified funds, Reliance equity oppos fund is good.

  292. Pritam says:

    Hi Suresh,

    I would like to invest Rs.4000/- per month for next 10 years to yield a return of Rs.10 to 20 lakh.Could you please suggest a good investment plan for this? Thanks, Pritam

  293. Ankur says:

    Hi Suresh, I am a novice and your blog has taught me more than I have learnt from other web resources combined. Great job on this.

    Based on your recommendations above, I have narrowed down to a few funds and would be grateful for your input:

    Total Investment : 15k P.M.

    Age : 28

    Finacial Stability : Safe for the next 10 years minimum

    Fund

    Exposure

    Amount

    ICICI Pru focused blue chip fund

    10%

     रु 1,500.00

    SBI Magnum Emerging Fund

    30%

     रु 4,500.00

    SBI Magnum FMCG Fund

    30%

     रु 4,500.00

    HDFC Balanced Life Fund

    20%

     रु 3,000.00

    ICICI Balanced Fund

    10%

     रु 1,500.00

    I intend to stay invested minimum for 10 years. I would most likely stay invested for next 30 years but at an increasingly higher investment amount.

    I have selected a higher risk appetite based on my age and financial stability. Please let me know your views on this.

    Regards,

    • Suresh says:

      Ankur, all are good funds. However at your age, you should look for more diverified mutual funds or good stocks for long term instead of investing in balanced funds which are generally meant for low risk investors.  If you invest and forget for 5 to 10 years, you would definitley make money. Increase your portfolio in largecap/diversified and stocks.

      • Ankur says:

        Thanks Suresh,

        I have modified my portfolio based on your recommendation and here is how it looks now:

        ICICI Pru focused blue chip fund 10% 1500
        UTI Opportunities Fund 10% 1500
        SBI Magnum Emerging Fund 30% 4500
        Reliance Equity Opportunities Fund 20% 3000
        SBI Magnum FMCG Fund 30% 4500

        I am not too keen in investing in stock market since I really have no knowledge of it but I would research on this with the intention of entering the stock market investment game in 1/2 years.

        Thanks again for your inputs and this blog.

  294. Srinu says:

    Hi Suresh,

    your blog is amazing and you are doing really excellent job for the people.

    I have entered STP and SIP since last year (Jan 2012), behalf of me a
    SBI bank employee suggested list of good (?) funds, I was not having
    any background on these aspects.. It is already an year and the profit
    it appears is not significant ofcourse I know MF are profitable in
    long run.. Could you please review my portfolio and guide me?

    UTI – OPPORTUNITIES FUND GROWTH PLAN    5000 (SIP)
    UTI – DIVIDEND YIELD FUND GROWTH OPTION 5000 (SIP)
    BSL Frontline Equity Fund -Grow         5000 (SIP)
    HDFC Top 200 Fund-Growth        5000 (SIP)

    Templeton India Low Duration Fund -> Franklin India Bluechip Fund –
    Growth  150000 (STP on Jan 2012)
    UTI-TREASURY ADVANTAGE FUND DAILY DIVIDEND PLAN -> UTI-EQUITY FUND –
    EXISTING PLAN – GROWTH  150000 (STP on Jan 2012)

    Kindly suggest.
    Srinu.

  295. Abhijeet says:

    HI Suresh, 

    Am all new to MF's and SIP's. Am looking to invest in something which will give me good short term benefit. Maybe in a 1 or 2 year. What are Gold ETF's ? which Gold ETF's are good to invest in ? Am planning to invest around 5k monthly in diff. MF's and SIP. Also would like to invest in some long term plans which will benefit me in 4-5 years. Is SBI a good option.? Please suggest me. 

     

    Thanks and Regards.

  296. Jagdish says:

    Hi Suresh,

    My monthly savings is 9000 please suggest me some investment plan.

    I do have dmat a/c which option is good for me intraday or long term.

     

    • Suresh says:

      Jagdish, you don’t need demat account to invest in mutual funds. You can select ICICI Direct or Fundsindia.com etc. if you want to invest in mutual funds. You should be investing for long term of 5 to 10 years if you really want to benefit. Invest in top mutual funds thru SIP. Refer large cap and diversified to start with

  297. Sunith says:

    Suresh:

    Want to invest 3 L split in  6 stocks. My target is 20% min return in 1 yr, and my holding period would be max 2-3 years. I would really like to be investing in top stocks in each sector., Shortlisted the below. Can u pls comment ?

    NTPC, Bharti Airtel, ICICI Bank, Dr. Reddy's Labs, Dabur and Reliance Industries.

    Thanks in advance,

     

    • Suresh says:

      Sunitha, while your stock portfolio is good, your expectation of 20% returns p.a. for next 2-3 years is high. You would gain in stocks only if you are long term player. 2-3 years is medium term period and you may or may not get such returns.

  298. Abhishek says:

    Hi,

    Pls let me know the best SIP to invest in , so that there is 25% – 30% return in 10 years, if I invest Rs1500/m

    Thanks

    • Suresh says:

      Abhishek, you can invest in large cap and diversified mutual funds for long term of 10 years. Refer this article for top funds in this category.

  299. sanjeev says:

    Dear sir,

    I want to invest in good ELSS fund for tax saving purpose for 2013. 

    I want to invest now in lumpsup amount of Rs. 30,000.

    Please suggest me best fund to meet my requirement.

    Reards,

    • Suresh says:

      Hi Sanjeev, If you are looking for ELSS funds, you can invest in Axis long term equity fund, Can rebecco eqty taxsaver,  or Franklin tax shield. All these are Crisil-1 rated mutual funds and they are performing well. All the best.

  300. Neha says:

    Hi Suresh,

    I am new to MF. I m planning to invest in SIP for a period of 2 to 3 years, but m confused where to put in my money. Jus need ur help to decide which is the best one to go for. However what are ur veiws about ICICI Pro Focused blue chip fund and it will be of great help if u can also suggest some others funds.

    Thanks and waiting for your response

    • Suresh says:

      Neha, Looks you have not read this article. The first SIP recommendation what I gave is ICICI Pru focussed fund which is good. You can also invest in uti opportunites fund. Both are large cap mutual funds. You can see other diversified mutual funds.

  301. Raman Khan says:

    hi, suresh,  from quit some time i am doing R & D on Investing through SIP in Mutual fund with Growth. I have already take Kotak Gold ETF in March 2012, and now i want to invest in Good Mutual fund through SIP kindly advice  me , I can invest 1000  Per month.

    • Suresh says:

      Hi Raman, You can invest in large cap, diversified mutual funds if you are looking for long term investments. Once you are little familair you can invest in other categories like balanced, debt mutual funds and sector based mutual funds

      • Raman khan says:

        Thanx suresh, The confusion i was having hasc been cleared , could you please advice me that which Company's large Cap diversified MF should i go for… 

        • Suresh says:

          Raman, While there are several largecap mutual funds which are good, couple of them are ICICI Pru focused blue chip fund and UTI Opportunities fund which are Crisil-1 ranked and are good performing mutual funds.

  302. Vishal says:

    Very good articel for new invester as me. I have just started SIP in below funds. Please suggest the view on selected funds. Need to add/remove any.

    Scheme Name SIP Amount
    RELIANCE EQUITY OPPORTUNITIES FUND – G 2,000.00
    BIRLA MNC FUND – GROWTH PLAN 1,500.00
    ICICI PRUDENTIAL BALANCED FUND – GROWTH 1,500.00
    HDFC TOP 200 FUND – GROWTH PLAN 2,000.00

    Thanks,
    Vishal

    • Suresh says:

      Vishal, all the mutual funds indicated by you are good. What other options are you investing?

      • Vishal says:

        Hello Suresh,
        I am investing 4000 in recurring deposites. Also i can invest 2000/month. please suggest should I add one more fund in my SIP list or any other investment scheme you would suggest.

        Thanks,
        Vishal

        • Suresh says:

          large cap funds like Birla SL Frontline, ICICI Pru focussed blue chip or diverfied funds like Birla SL Gen next, Reliance equity opps fund are good for investment for long term.

  303. Waheed says:

    Dear sir

    i am investing rs 10000/ pm in following funds through sip since one year. Kindly advice do I need change

    1.UTI OPPURTUNITIES FUND

    2.UTI DIVIDEND YIELD

    3.BSL DIVIDEND YEILD PLUS

    4.Reliance equity OPPURTUNITIES fund

    waiting for response 

    regards

    waheed

    • Suresh says:

      Waheed, All are good. UTI dividend yield nad BSL Dividend yield+ have lagged behind in the last 2-3 years. However in long run, they are good fund.

  304. Milind says:

    Hi Suresh

    I am investing following MF from last 2 years and wish to keep investing for long term , please advice me it is OK to continue or switch to other plan.

    1.     ICICI prudential Mutual fund – Rs 3000 / Month

    2.     Reliance regular saving fund – equity plan – Growth option – Rs 3000 / month

    3.     Reliance tax saver (ELSS) Fund – Dividend plan – Rs 1000 / Month

    4.     HDFC tax saver – Dividend – Rs 1000 / Month

    I want to invest Rs 7000/ month, please suggest good fund

    Thanks

    Milind

    • Suresh says:

      1st one you have not given correct fund name. Others are all tax saver funds. Though they are good, why you are investing only in tax saving funds. why don’t you invest in diversified or large cap or mid-cap funds ?

      • Milind says:

        Dear sir 

        It is DFG – ICICI Prudential Discovery fund – Growth

        Will you please suggest me good funds to invest ?

        Thanks 

        Milind

        • Suresh says:

          ICICI Pru discovery are good defensive funds during market volatility. You can pick-up any large cap, diversified mutual funds to invest for long term.

  305. Supriya says:

    Dear Suresh,

    I'm not so much interested to take risk on my finances (but still I'm losing my money in ULIPs).

    I put 1500 pm in HDFC Ulip (Since March 2008)

    And 10000 pa in LIC Money Plus (since Aug 2007)

    Rs. 500 pm – ING Money back policy

    Rs.500 pm in post ofice RD

    Rs. 1000 pm in bank RD.

     

    I can put 2000 – 2500 more as savings. Please suggest some risk free (or low risk) options.

  306. Vishal says:

    Very good article for new invester same as me. I have just started SIP in below funds. Please share your view on selected funds. Do i need to add/remove any.

    Scheme Name SIP Amount
    RELIANCE EQUITY OPPORTUNITIES FUND – G 2,000.00
    BIRLA MNC FUND – GROWTH PLAN 1,500.00
    ICICI PRUDENTIAL BALANCED FUND – GROWTH 1,500.00
    HDFC TOP 200 FUND – GROWTH PLAN 2,000.00

    Thanks,
    Vishal

  307. amol says:

    Hi Suresh,

    Nice article.

    I have 3 queries-

    A     .I have invested 10000 in 5 funds thru SIP

    1.FT Bluechip            2.HDFC Equity       3.ICICI Discovery     

    4. ICICI Dynamic        5.IDFC premiere Equity

    Plz guide me regarding my funds

    B.    You have replied above that ICICI Dynamic Growth is not doing  as per expectation. Its fund manager Sankaran Naren is a good manager, it may be possible that the fund will again perform well. I have investing since 2 years in this fund,what should i do?

    C.     we get advantage of Compounding by investing in same fund for long duration.Suppose we have invested  in ABC fund for  10 years,now the fund is not doing well.We switch to another fund.In such case can we get the advantage of compounding?After all  switching is nothing but redemption  from fund and invest lumsum in new fund.

    please clarify,sir.

    regards

    amol

     

    • Suresh says:

      Amol, I am answering them in a single point as they are linked. All the funds indicated are good. But few of them like ICICI dynamic were a good performer earlier. However the returns are lower and they are other mutual funds who are “good”. In case you are planning to invest more, you can invest in other funds.  It does not mean that the fund is bad, it only mean that there are “better” funds. I agree that in long run, “best” funds would have lagged behind and we tend to ignore them. They may gain momentum in longrun. Thanks for your valuable comments.

  308. RAMBABU BATTULA says:

    Dear Suresh

    i am rambabu 35 years, Govt employee, take home salary Rs25000, i have two children aged 6 years female, 1 year male. for my childrens education and marriage and also my retairment. how much i have to invest, in which area i have to invest, except few LIC life insurance policys Rs7 Laks no savings.

    kindly give me some suggestion to invest

    thanking you

    • Suresh says:

      Rambabu, You should go for diversified and large cap mutual funds through SIP. For your children education, you can look for balanced mutual funds. There are variety of retirement options available. Pls see my articles on how to plan for retirement.

  309. Nishanta says:

    Hi Suresh ,

    I have deliema in between to chose Direct / Regular plan ( Mutula Fund ) .I have time horizon 5-7 years. Could you please assit on this.

    • Suresh says:

      Nishanta, I could not understand your question. If your question is “SIP” or “Direct lump sum” investment, my advice would be to go through SIP. Through SIP, all market fluctuations would be taken care and you would get benefitted for long term.

  310. Nivas says:

    Hi Suresh, Appreciate for your time and valuable info to the need. I am an NRI(US) looking to invest in Indian stocks and mutual funds. What is the procedure to invest and investment (10 to 20 lacs) is short term 3 to 6 months initially.Thanks in advance. Nivas.

  311. Ranjan says:

     

     

    I want to invest 40 thousand per month for the period of 3 years or 3 and half year span. 

     

    My age is 31 year and looking for short term investment.  

     

    My objective it to accumulate money for booking flat in year 2016. 

     

    Please plan my portfolio and send me through mail..

     

    detail with amount in each fund ..  I will be obliged for this. 

    • Suresh says:

      Ranjan, Happy to see that you are planning 3 years in advance for your house. My sugggetion is, you should invest in large cap, mid-cap and diversified mutual funds. Some amount you can invest in sector based mutual funds like SBI FMCG.

  312. Rohit says:

    How about investing in HDFC Mid Cap Fund? What amount/month would be suitable for this?

    Thanks

    • Suresh says:

      Rohit, you would have already see that it is part of top-10 list. HDFC Midcap opportunites fund. There is no limit of any amount. Don’t just invest every thing in this fund. Diversify your investments across various investment options. In mutual funds too, consider from various categories like largecap, mid cap, balanced, debt funds etc.,

  313. Siva Kumar C.P. says:

    Hai suresh,

    Iam new to your blog, you are doing a great job, and your answers are very clear to understand.

    Now Iam investing the following MF for Last Two years, Kindly suggest, it is OK to continue (or) I want to make changes in my Investing Plans. ( All those investing for Long term)

    1. HDFC Top 200  – Rs.5000 P/Month

    2. HDFC Equity  – 4000 P/Month

    3.HDFC Midcap Oppertunities  – 1000 P/Month

    4.Reliance Growth Fund (G)  – 2000 P/Month

    5.Reliance Gold Savings Fund(G)  – 2000 P/Month

    Looking Forward your valeable reply.

    • Suresh says:

      Siva, your portfolio is good except for one. Reliance growth fund, if you are continuing SIP, you can switch over to other good funds like ICICI pru focussed or reliance equity opps fund.

  314. umesh says:

    sir following are my investment

    SIP-   SBI EMERGING BUSINES  10K 

             BSL FRONTLINE EQUITY 5K

            BSL GEN NEXT. 5K 

           HDFC TOP 200    5K

            DSP TAX  2K

           HDFC TAX 2K

            RELIANCE TAX 2K

          TAURUS TAX   2K

    RELIANCE BANKING LUMPSUM- 60000 ONE TIME

     

    SHOULD I CONTINUE WITH THESE 

    AND PLZ ADVISE ME TO ADD MORE GOOD FUNDS FOR FUTURE

     

    THANKS

         

     

     

     

    • Suresh says:

      Umesh, All are good except for one. Taurus tax is a ELSS and is a average performer. If your lock in period is over, you can switch over to other funds.  If you like my blog, why don’t you click on facebook like button ?

  315. umashankar says:

    Dear suresh,

    kindly suggest me….

    i am 35yrs old and have been investing in HDFC top 200 and SBI emerging busi fund @1000 each. from last couple of months i would like to invest in sip .

    could you please suggest any good funds or should i invest more in the same funds.

    thanks and regards

    umashankar

  316. Srinivasa Rao says:

    Hi Suresh,

     

    Please let me know the best LIC policy which will give better returns and best Mutual fund where in iam seeking for my kid's further education she has 4 yeares old now.

     

    Thanks in advance.

    • Suresh says:

      Srinivas, There are various good policies in LIC where you need to pick and choose based on your requirement. With limited data available, it is difficult to say. Regd your kids education, you may need good money in next 10 to 12 years onwards. For such long term, invest in largecap and diversified mutual funds indicated here.

  317. indrajeet says:

    thsnks suresh,iwill exit from sbi magnum equity fund…but please suggest me some good equity fund to invest…as i have heard that equity fund are very profitable in the long run…

  318. indrajeet says:

    HI,PLEASE GUIDE ME .I HAVE DONE THE FOLLOWING INVESTMENT LAST MONTH.

    1)SBI EMERGING BUSINESS FUND…2K/MONTH

    2)SBI MAGNUM EQUITY FUND..2K/MONTH

    3)SBI GOLD FUND…2K/MONTH

    4)SBI MAGNUM FMCG FUND…2K/MONTH

    5)FRANKLIN TEMPLETON BLUE CHIP FUND…5K/MONTH

    I AM NEW TO THIS…PLZ GUIDE ME IF I HAVE DONE ANY MISTAKE

    • Suresh says:

      SBI Emerging, SBI gold, Frankin templeton blue chip funds are good for long term. SBI FMCG high risk, high return. You should reduce your allocation to this fund. SBI Magnum equity fund was a good performer earlier (Crisil Rank-3). Currently the returns are < 5% p.a in last 5 years.  If an opportunity comes, exit and invest in other good large cap funds.  If you are doing SIP, you should switch over to better options.

      • Sridhar says:

        I am a very small investor and new to mf..could u please list out 5 sip investment which can also gain me good returns in short term with moderate rist. And please do mention the sectors also which we can opt in 2013.

  319. aman says:

    Excellent ! this is so  informative. Thanks a lot Mr. Suresh.

  320. gaurav says:

       This is reallya nice article on MF. My age is 31. I am palanning to invest money for my retirement. I'll invest money in below MF for next 15-20 or may be more except sector fund. I'll leave those fund if I'll get some good return and invest those money in large cap share like TCS, ICICI bank at market lower levels . Here are my funds.

    ICCI Pru Focused Blue Chip            3000        large Cap     30%
    HDFC Top 200                        3000        Mid cap    25%
    IDFC PREMIER EQUITY FUND             2500        diversified     20%
    SBI megnum Emerging Fund            2500        Sector Fund    25%
    Reliance Pharma                        2500            
    SBI FMCG                              2500            
    Reliance Equity Opportunity Fund    4000            
                

    • Suresh says:

      Gaurav, You have choosen good MF’s. As you indicated, reduce your portfolio size of sector based funds. The returns good now for them, but if there is downtrend in the industry in any year, you would loose all money. all the best

  321. Anuradha says:

    Hi, Suresh,

    Thank you for your valuable comments, I have selected UTI Oppurtunities 1000 per month, SBI Magnum FMCG 1000 per month, HDFC balanced fund, is it good please let me know. It is for my son's education purpose, he is 10 years old now, may be i can invest for 7 years right.

    Waiting for your valuable suggestions,

    Thank You,

    • Suresh says:

      UTI Opps fund, HDFC balanced fund are good for long term. However sector based funds like FMCG are high risk, high return investments. You need to reduce your investment portfolio value on such funds. All the best.

    • Anuradha says:

      Thanks for the valuable suggestions, then I will go for uti opportunities and hdfc balanced….can I choose HDFC 200 is it good…

       

      • Suresh says:

        HDFC top 200 is good in long term. However there are other better mutual funds. You can invest in ICICI pru focussed blue chip fund which is large cap fund.

        • Anuradha says:

          Thanks a lot Mr. Suresh.

          • Anuradha says:

            Hi, Suresh

            ICICI Prudential Equity-Volatility Advantage Fund (G) is it a balanced fund and is it good for long term for sip invesment.

          • Suresh says:

            Anuradha, this is a balanced mutual funds and crisil ranks it as rank-1. The returns are also good. You can continue to invest and add any fresh investments too.

  322. krishna says:

    Very informative posts on your blog suresh. Keep it up.

     

    I'm 24,single and my earnings are 13k/month. Where can I invest in?? Awaiting for Ur suggestions

     

    • Suresh says:

      Krishna, it depends upon your investment objective. If you are long term, invest in diversified and large cap mutual funds.

      • krishna says:

        Thanks for the valuable suggestions on SIP mutual funds suresh. I do want your expertise on other investment options bcause I can only save upto 8k/month. And I just want to take calculated risk.

  323. ajay dobriyal says:

    i want to start SIP in 3 mutual fund 2000/- rs each for 15years. please suggest some mutual funds for me.

  324. vipin says:

    Hi Suresh,

    I have just started sip couple of days before
    Birlasunlife frontline. Equity Frostburg- 1000 PM
    I am looking to invest around 10000 pm
    If you can suggest that would really helpI
    I am planning for below mentioned

    In addition to above fund also Franklin Templeton Bluechip growth – 1500pm
    SBI emerging business- 1000pm
    DSP BR micro 1000pm
    Birla sunlife dividend plus 1000 pm

    I also thinking Uti opportunities fund request your suggestions and some more funds guidance from you

    • Suresh says:

      Vipin, I want  you to make some modifications. Birla sun-life, UTI Opps, SBI Emerging are good. DSP Mcro and birla dividend funds are underperformers. You can invest in other mid-cap MF’s such as HDFC Midcap opps if you are looking for high return high risk investments.

  325. Rakesh V says:

    Dear Suresh,

    I have 2 Daughters Aged 1.5 & 6 years simultaneously.I want to Invest Rs.12000 Every Month to take care of there Education & Marriage .Somebody has suggested me to take Jeevan Tarang from LIC but I have got OK reviews from most of investors in diffrent forums.People are suggesting to go for SIP & Others options.

    Looking at the Inflation rate & cost of Education what would you suggest should I go in for SIP or some other instruments & If SIP what are the Funds should I target.

    Also I wan't to take a Term Plan for 1 Crore Cover which one would you suggest ?

    Thanks & Regards

    Rakesh V

  326. Gunasekharan says:

    Hi Suresh,

    I'm new to this blog and was surprised abt your valuable comments. And i invested in 3K months in ULIPS but continued only 1Plan (1K/month) up to 3 yrs another one unable to pay where i'm paying 2K every month paid upto 2.3yrs only i.e., Kotak super advantage plan they said 1st yr premium will get an only maturity i.e, after 20yrs.

    Another one 1K paid and contiuting more than 3 yrs In Brila insurance shwoing fund value of only 27K where i paid premium of 36K.

    My salry is only 13K per month want to invest good investment plan for my daughter education and marriage her age is 1yr old my age is 27yrs. Kindly advise which SIP is good for us or shall i continue with ULIP both ?

    Thanks for your advise.

     

    Regars,

    Guna

    • Suresh says:

      Hi Guna, ULIP were failed due to its charecteristics and high charges. You should exit from ULIP.  Regd your daughter’s future plan, I just responded to one of the readers. I feel you should invest in diversified and balanced mutual funds. There are good balanced funds like ICICI Pru balanced fund, HDFC Prudence fund, TATA balanced fund etc., Regd diversified mutual funds, Reliance equity opps Birla India SL Gennex, UTI India life style funds are goo.
       

  327. Subrata says:

    Suresh,

    I must agree as a new- commer in mutual fund world, that your article is very helpful and easy to understand. I have short-listed my wish to invest as SIP in 6 funds: UTI Opportunities (G), Reliance Equity Opportunity (Growth), BSL India GenNext – Growth , UTI India Life Style Fund- Growth, BSL Top 100 Growth and Quantum Long term equity – growth. First two funds are already recommended in your blog. Please comment about the 4 remaing that I have provisionally decided.

    I also wish to invest lumpsome (from my fixed deposit maturity) in a debt fund like SBI Dynamic Bond or SBI Magnum Income Fund (Growth). Please suggest.

    Thanks and best regards.

    Subrata.

    • Suresh says:

      Good to hear Subrata. I am surprised that that you have choose very good schemes which are diversified in nature. Regd Debt fund, I have started SIP in SBI Dynamic bond fund last month. I feel this is good MF. I would love to hear from you how you have been choosing such good schemes ?

  328. Akhilesh kumar says:

    Dear sir,

    I have invested in IDFC mutual fund ,HDFC gold fund as SIP 2000 and 500 Respectively.from nov2012.are they performing better. please advise .what should be expected return after 15months.

    • Suresh says:

      Akhilesh, which IDFC MF scheme you have invested? All gold funds incl. HDFC gold fund started an year back. Invest in diversified mutual funds. However you should invest for 2 to 3 years minimum to get good returns compared to FD’s

  329. kalpana says:

    i want to invest in mf.someone suggest me,sbi megnum tax gain,through sip but can homemaker purches this.i invest 1000 per month,can u tell me about it.how to purches and switch

    • Suresh says:

      Kalpana, what is your investment objective ? If you want to invest for tax exemption purpose then, go for Can robecco Tax shield,  Franklin india tax shield, reliance tax saver. If your objective is to invest for long term, you can invest in large cap or diversified mutual funds which are indicated in this article.

      • kalpana says:

        thank u for answering on my question.actually i am planning to invest 1000 rs monthly in mf .i am not invest in mf before.so can u tell me the chages which i will  pay

         

        • Suresh says:

          Kalpana, since you are new to investing and want to invest in Mf, you can invest in diversified mutual fund schemes like reliance equity opportunities fund etc.,

    • Srinidhi says:

      Hi Suresh Ji,

      While searching for investment sites, I got your site. I felt it very informative and good. 

      I am NRI ,  currently holding two mutual funds. ICICI Highest NAV Fund – 1 lack per year and Tata AIG Apex Supreme Investment Fund II performance – around 90K every year. 

      I wanted to keep them for long term but not completely sure whether i have taken right fund choice.

      I am keen on investing more and keep it for long term , Please advise me the best funds // if any other way to invest.

       

      Thank you

      Srinidhi

      • Suresh says:

        Srinidhi, What you are choosen is ULIP’s (Mutual fund+insurance combined investment product). These ULIP’s take away huge allocation charges in intial years. See my article I have written for people like you. http://myinvestmentideas.com/2013/06/should-you-surrender-your-old-frontloaded-ulips/

        • Srinidhi says:

          Thank you for the info Suresh Garu.

          I have taken that ICICI Ulip for my mum , it has 5 years lock period.  I understood from your blog  its not a very good product.

          I am almost done for 3 years, Do you want me to exit after 5 years.

          I can invest 50,000 per month for 1-2years and 2 lack  every year , please advise me how I can invest.  I read about recurring deposits in one of your blog , is it a good option for me to spend 50 K for 1-2 years ?

          Thank you for your valuable time.

           

          Best regards

          Srinidhi.

           

           

           

           

           

          • Suresh says:

            Srinidhi, Since 3 years are over, if you exit, you need to incurr loss. If you are ok with that, you can exit. You can invest in bank RD every month. They are safe. However the returns would be 8% to 9% p.a. 

  330. prabakaran says:

    hi sir i am 30 yrs old how to invest money in MF give some ideas

  331. Rakesh Ganju says:

    Hello Suresh,

    I am quite new to Mutual Funds and have just started investing in them via SIPs. The details are as below:

    ICICI Pru Focused BlueChip Eq Fund (G) 1000/month

    HDFC Top 200 Fund (G) 1000/month

    IDBI Gold Fund (G) 1000/month

    and I have invested 5000 in Templeton India ST Income Plan (G).

    Please let me know if this is the right decision or I need to change someway. Please help me if this is not right.

    Thanks and Regards

    Rakesh Ganju

    • Suresh says:

      ICICI Pru focussed and HDFC top 200 are good. IDBI gold fund is relative new which has come in last 9 months, cannot comment.  Templeton ST plan is ok from performance point of view. I tis ranked by crisil as Rank-5. But it got investor confidence and people invested Rs 5,000+ Crs. You can hold this or buy good Crisil-1 mutual funds.

  332. Jayalakshmi says:

    Thanks a lot for the help Suresh. Is there any option to switch the mutual funds? as I have already paid the 1st month premium? Also which is better diversified or growth?

    Thanks

    Jaya Bhat

    • Suresh says:

      Jaya, switch option is available. In ICICI Direct.com, there is an option to do it with easy. Pls visit the site and MF units section and see the link against the ones which purchased earlier.

      • Jayalakshmi says:

        Suresh,

         

        I did try to switch it, but with this option I can buy any MF from the same company. I mean if I am switiching SBI Magnum then I need to check for another MF from SBI. So I cancelled SBI magnum Tax Gain Scheme – Growth 500/month and purchased canrobecco Tax shield – 2000/month

        Thanks

        Jaya Bhat

  333. SK says:

    Hi Suresh,

    I have inested in following MF. Some are new  addition and some are old ones. Can you suggest which ones to keep and which ones to quit.

    SUNDARAM MUTUAL FUND,SUNDARAM CAPITAL PROTECTION ORIENTED FUND – SERIES 2                                    
    KOTAK MAHINDRA MUTUAL FUND,KOTAK FLEXI DEBT SCHEME-GROWTH                                                                     
    RELIANCE MUTUAL FUND,RELIANCE DYNAMIC BOND FUND – GROWTH                                                                
    ICICI PRUDENTIAL MUTUAL FUND,ICICI PRUDENTIAL BANKING AND FINANCIAL SERVICES FUND RETAIL – GROWTH                                
    DSP BLACKROCK MUTUAL FUND,DSP BLACKROCK  LYNCH  T.I.G.E.R FUND – GROWTH                                                       
    FRANKLIN TEMPLETON  MUTUAL FUND,BLUECHIP FUND – GROWTH                                                                              
    HDFC ASSET MANAGEMENT COMPANY LIMITED,HDFC EQUITY FUND – GROWTH PLAN                                                                     
    HDFC ASSET MANAGEMENT COMPANY LIMITED,HDFC TOP 200 FUND – GROWTH PLAN                                                                     
    RELIANCE MUTUAL FUND,RELIANCE EQUITY OPPORTUNITIES FUND – GROWTH PLAN                                                    
    RELIANCE MUTUAL FUND,RELIANCE GROWTH FUND – GROWTH PLAN – GROWTH OPTION                                                  
    RELIANCE MUTUAL FUND,RELIANCE NATURAL RESOURCES FUND – GROWTH 
    SUNDARAM MUTUAL FUND,SUNDARAM S.M.I.L.E FUND – GROWTH  
    SUNDARAM MUTUAL FUND,SUNDARAM SELECT MIDCAP – GROWTH                                                                   
    RELIANCE MUTUAL FUND,RELIANCE DIVERSIFIED POWER SECTOR FUND – GROWTH                                        

  334. Rajiv says:

    Dear Suresh ,
     
    I am presently living in middle east. Have already invested in MF since last 3 years. I am looking for a long term investment. Request your advise if my current investments are ok and also tips for my future investment.
     
    My current investments are-
     
    FT INDIA DYNAMIC PE RATION FUND OF FUNDS -GROWTH
     
    JP MORGAN INDIA FIXED MATURITY PLAN SERIOES 302 GROWTH
     
    ICICI PRU MULTIPLE YIELD FUND SERIES 2 PLAN E DIVIDENT PAYOUT
     
    JP MORGAN INDIA HYBRID FUND SERIES 1 GROWTH
     
    JP MORGAN INDIA INCOME FUND SERIES 501 GRWOTH
     
    FRANKLIN INDIA BLUECHIP GROWTH-SIP
     
    HDFC TOP 200 GRWOTH-SIP
     
    PRU ICICI DYNAMIC PLAN CUMULATIVE –
     
    PRU ICICI DISCOVERY FUND GROWTH-SIP
     
    SUNDARAM SELECT MIDCAP GROWTH
     
    TEMPLETON INDIA GROWTH FUND -SIP
     
    UTI OPPORTUNIES FUND GROWTH- SIP
     
    Please advise if  i should continue with these or go for some better funds. I am looking for some new investments as well.
     
    Warm regards,
     
     
     
    Rajiv

    • Suresh says:

      Rajiv, here are my recommendations:

      FT INDIA DYNAMIC PE RATION FUND OF FUNDS -GROWTH –  Fund of funds – Returns are average – continue for some more time and exit with littler higher returns

      JP MORGAN INDIA FIXED MATURITY PLAN SERIOES 302 GROWTH – This is FMP, returns can be computed at the end of the maturity period. Cannot analyse.
      ICICI PRU MULTIPLE YIELD FUND SERIES 2 PLAN E DIVIDENT PAYOUT – there are multiple ones with this name, pls be specific
      JP MORGAN INDIA HYBRID FUND SERIES 1 GROWTH – there are multiple ones with this name, pls be specific
      JP MORGAN INDIA INCOME FUND SERIES 501 GRWOTH – there are multiple ones with this name, pls be specific
      FRANKLIN INDIA BLUECHIP GROWTH-SIP – Good fund – Stay invested
      HDFC TOP 200 GRWOTH-SIP – Good fund – Stay invested
      PRU ICICI DYNAMIC PLAN CUMULATIVE – Thought this fund was good some time back, currently it has lagged behind. Returns are average. Don’t advice for fresh investment. If you have invested, you can continue for some more time and exit.
      PRU ICICI DISCOVERY FUND GROWTH-SIP – Good fund – Stay invested
      SUNDARAM SELECT MIDCAP GROWTH – Avg returns – Wait for some more time and exit – No fresh investment suggested
      TEMPLETON INDIA GROWTH FUND -SIP – Below avg fund – Exit
      UTI OPPORTUNIES FUND GROWTH- SIP – Good fund – Invest more

  335. Jayalakshmi says:

    Hi Suresh,

    I am new to MF. I wanted to invest in mutual funds with Tax benifits. I have invested in SIP for

    Franklin Templetion Mutual Fund – Blue Chip Fund Growth – 1000/month

    Franklin Templetion Mutual Fund  – Tax Shield Growth – 2000/month

    HDFC lonf Term Advantage Fund – Growth – 500/month

    ICICI Prudential Tax Plan – Growth – 1000/month

    SBI magnum Tax Gain Scheme – Growth 500/month

    Total 5000/Month

    I am not sure if I did a right choice or not also if not right is there any option to switch the MF? I have paid one month Premium. Please advice.

    Thanks

    Jaya Bhat

    • Suresh says:

      Jayalakshmi, Good to hear that you joined the MF world. Here are my suggestions. 1) Franklin Tax shield fund is good (Crisil-1 with 12% annualised returns in last 3 years); 2) HDFC Longterm advantage fund (Crisil rank-3; Avg returns of 10%) and ICICI Pru Tax-Crisil-3 avg returns of 10% annualised returns in last 3 years;  SBI Magnum tax gain-Crisil-3 avg returns of 7% annualised returns in last 3 years;  Why you need to comprimise on low crisil ranking and less returns MF’s when there are better options; Try these instead: Axis-Long term equity fund; Franklin-Tax shield; Can rebocco-Tax saver fund; I am not saying these would provide extraordinary returns. Since these are tax saving schemes, the returns would be limited, but these are better than what you invested. I would also like to know who has suggested such MF’s for you ? You can mail to suresh@myinvestmentideas.com for my analysis purpose.

  336. Subrata says:

    I am new in mutual fund world. I am a professional, aged 54 years. At present I am running SIP for HDFC Top 200 fund. I wish to invest (by SIP) in either UTI Opportunity or UTI Dividend yield and DSP BR Equity or DSP BR Top 100. Will you please suggest?

    • Suresh says:

      Welcome to the mutual fund world Subrata. UTI Opportunities is Crisil-1 ranked MF with good returns. You can investe. UTI-Divident yield, DSP Br Equity and DSP BR Top-100 are crisil-3 and average returns. There are better SIP’s which you can invest. You can invest in any other mutual funds which I suggested

  337. Bhavik Merchant says:

    As per your article and other advises from around me i want to start investing in MFS with a small SIP Rs. 5000 per month.

    I have other investments in equity markets and Banking FD’s.

    Am a first time investor in MF am 27 years married with a Kid and earn about 10 lacs per annum.

    Horizion for investment is between 5 to 10 years looking forward with a goal of earning 10% per annum with a medium risk taking capacity on my choices please correct me if am wrong anywhere.

    My choices for MF’s which can suit my goal and risk

    1. Large Caps – DSP Black rock Top 100 Equity – 1000/month
    2. Large & Mid Cap – Icici Prudential Dynamic Plan – 1000/month
    3. Balanced Fund – HDFC Prudence – 1000/month
    4. Tax Planner – Canara Robeco Equity tax saver – 1000/month
    5. Debt Fund – SBI Dynamic Bond Fund – 1000/ month

    TOTAL 5000/MONTH

    Await your feeds and suggestions want to start it asap.

    Regards
    Bhavik

    • Suresh says:

      The top-10 SIP’s indicated in my article are good. Regd your choices, DSP Top-100, ICICI Pru dynamic plan are ranked Crisil-3, returns are far below other MFs,  HDFC Prudence is crisil-rank-2, returns are average, you can invest, but there are better funds. Canrebocco is good, SBI Dynamic bond is also good.

  338. Gaurav says:

    Hi suresh,

    It is really nice article. I'm looking to invest 20000 per month in MF for next 10-15 years. My age is 31 so I can take risk. Would you like to suggest how to divide my money in different MF options.

    • Suresh says:

      Gaurav, thanks. You can invest in 4-5 mutual funds from this top 10. However select other than sector based mutual funds as they are little high risk.

  339. Anuradha says:

    Hi Suresh, I am new to your blog, it was really helpful,i want to invest in SIP, which is the best one for 10years 1000/3, per month. Where to contact in Mysore, is pan card necessary for sip, waiting for your valuable comments.

    Thank you,

    • Suresh says:

      Anuradha, good to know that you like my blog. All the SIP MF’s indicatd on this article are good. To start with, you can choose largecap mutual fund and increase your portfolio with other SIP’s. 1) You can directly apply for SIP to concerned mutual fund scheme on their websites. You need to have internet banking to do this. 2) Alternatively you can choose any of the brokers like ICICI Direct where you can purchase or sell MF like any other stock. As per my knowledge PAN card is mandatory to apply for MF SIP’s.

  340. Philip says:

    Your tips are fantastic. It crisp, and to the point.

    Keep up the good work. You are making us knowledgeable through your writing.

    Cheers!

  341. Suman Deb says:

    Hi Suresh,

    I am following your article frm just couple of days and I must say within these short term I became afan of your blogs..Hats off man ….

     

  342. Deepa says: