Top 10 Best Performing SIP mutual funds to invest for 2014


Top and Best Mutual Funds in India to invest for 2014-  Best SIP schemes for 2014Top 10 Best Performing SIP mutual funds to invest for 2014

When I have written article last year on Top-10 SIP mutual funds to invest, there was good response from readers. However, those 10 mutual fund schemes were only among a bunch of the best performing mutual funds. In this  year too, I have analyzed best and top performing SIP mutual funds invest in 2014 and providing our analysis here. In case you have already invested in those top-10 funds recommended by me earlier, you can stay invested, but if  you want to add some more funds to your portfolio or if you are a new investor in mutual fund world, then you can consider these top funds to invest for 2014. These are some of the best mutual funds in India

Also Read: Top 5 Tax Saving Mutual funds (ELSS) to invest in 2014

What is the criteria I used for choosing best and top SIP funds?

I have used the following criteria for choosing the top funds.

  • Mutual funds across various sectors are considered
  • Mutual funds from various segments (large cap, mid cap, balanced, debt, international fund)
  • Mutual funds where Assets Under Management (AUM) > Rs 100 Crores
  • Consistent performers in the last 5 years, 3 years and 1 year.
  • Crisil Rank-1 and Rank-2 funds for equity and hybrid funds. However, for sector funds these are not ranked by Crisil.
  • Value research rating of 5-Star, 4-Star funds. However sector funds are not ranked by Value Research.  
  • Portfolio diversified more into equity and hybrid funds and ignored debt mutual funds. You should invest for long term of 8 to 10 years to get good returns.
  • While I was doing this  analysis I found that Mutual fund annualized returns may or may not make sense sometimes when you do SIP. Some SIP schemes provide good returns of more than 12%, even though the annualized returns are only 9%. This indicate that investment through SIP would provide good scope to maximize the returns.

Top 10 Best Performing SIP mutual funds to invest for 2014

We have analyzed top and the best mutual funds to invest and below is the analysis.

1) ICICI Pru Tech Fund

Overview: The scheme invests in Information Technology and IT dependent companies. Since IT companies are more dependent on exports of software to US and European countries, the performance of these funds would dependent on US, Europe and other countries spending on IT across the globe. US economy has grown in the last 2-3 years and expected to continue to grow for the next couple of years. This would give an enormous amount of opportunities for IT / Software companies in India.

Performance of the fund: This is 1st top performing mutual fund as per our analysis and its 5 year returns are 38% per annum which has beaten even equity mutual fund returns. This fund gave 20% annualized returns in last 3 year. This fund is expected to perform well in the future. If you have invested Rs 1,000 in SIP in last 3 years, your invested amount would  be Rs 36,000 and investment value would have been Rs 60,000 now.

Suitable for: Since this invests only in one sector, i.e. IT, it is high risk high return scheme. Investors with high risk appetite can invest in these funds.

Also Read: How to Maximise returns from SIP Mutual funds?

2) SBI Pharma Fund

Overview: The scheme looks for growth opportunities in various Pharma stocks.

Performance of the fund: As per our analysis, this is 2nd top performing mutual fund in India.  Its 5 year annualized returns are 35% per annum, which has beaten even equity mutual fund returns. It gave 24% annualized returns in last 3 year. If you have invested Rs 1,000 in SIP in last 3 years, your invested amount would  be Rs 36,000 and investment value would have been Rs 53,000 now.

Suitable for: This sector has been performing well in the last 5 years. However, since this is a sector based fund and invests only in the Pharma industry, it is high risk, high return investment. Investors with high risk appetite can invest in these funds. This is one of the best mutual funds in India.

3) FT Feeder Franklin US Opps fund

Overview: The Fund seeks to provide capital appreciation by investing predominantly in units of Franklin U. S. Opportunities Fund, an overseas Franklin Templeton mutual fund, which primarily invests in securities in the United States of America. This is one of the top mutual funds in the International fund category.

Performance of the fund: This is the 3rd best SIP mutual fund as per our analysis. Last 1 year returns are 46% and last 2 years annualized returns are 29%. If you have invested Rs 1,000 in SIP in the last 3 years (extrapolated 2 years returns for 3 years), your invested amount would  be Rs 36,000 and investment value would have been Rs 49,500 now.

Suitable for: This fund invests in FT US Opportunities fund which invests in top US Stocks. This is purely based on US economic growth. US economy is expected to grow at a higher pace even in next 2-3 years. However, this is high risk, high return fund. One should consider this risk before investing in this.

4) SBI Magnum Mid-cap mutual fund

Overview: The scheme objective is to invest at least 65 per cent in mid cap stocks. Mid-cap stocks are those which have high potential to grow in the long run. These can create good wealth for investors. s

Performance of the fund: This is 4th top performing mutual fund in India and its 5 year returns are 26% per annum which has beaten even equity mutual fund returns. It gave 14 annualized % returns in last 3 year. If you have invested Rs 1,000 in SIP in last 3 years, your invested amount would  be Rs 36,000 and investment value would have been Rs 47,000.

Suitable for: Since this invests in mid-cap, this carries a high risk. Investors with high risk appetite looking for high returns can invest in these funds.

5) Franklin India Smaller Companies fund

Overvview: This fund aims for long term capital appreciation by investing in Midcap and small cap companies. This fund invests 75% in smaller companies.

Performance of the fund: This is 5th top performing mutual fund and its 5 year returns are 27% per. It gave 13% annualized returns in last 3 years. If you have invested Rs 1,000 in SIP in last 3 years, your invested amount would  be Rs 36,000 and investment value would have been Rs 46,500.


Suitable for: Since this invests in mid-cap, this carries a high risk. Investors with high risk appetite looking for high returns can invest in these funds.

6) ICICI Pru balanced Adv fund

Overview: The scheme seeks to provide an appreciation of your capital by using equity derivatives strategies, arbitrage opportunities and pure equity investments.

Performance of the fund: This is 6th best performing mutual fund as per our analysis. Its 5 year returns are 18% per annum. It gave 12% annualized returns in last 3 year. If you have invested Rs 1,000 in SIP in last 3 years, your invested amount would  be Rs 36,000 and investment value would have been Rs 44,000 now.

Suitable for: Investors with medium risk, and looking for high returns can invest in these funds.

7) ICICI Pru Dynamic Plan

Overview: The scheme invests in equities and for defensive consideration in fixed income securities, including money market instruments with the aim of generating capital appreciation. The actual percentage of investments will be decided after considering the prevailing market and economic conditions.

Performance of the fund: Its 5 year returns are 22% per annum. It gave 9% annualized returns in last 3 years. If you have invested Rs 1,000 in SIP in last 3 years, your invested amount would  be Rs 36,000 and investment value would have been Rs 44,000.

Suitable for: The fund is known as defensive fund. Its agility and composition changes according to the market volatility. It would help in falling less during downturns and post good gains during upturns. Investors with medium risk, but looking for high returns can invest in these funds.

8) UTI MNC Mutual Fund

Overview: The objective of this fund is to invest predominantly in the equity shares of multinational companies (MNC) in diversified sectors such as FMCG, Pharma, Engineering etc.

Performance of the fund: This is one of the best performing mutual fund in India and its 5 year returns are 24% per annum which has beaten even equity mutual fund returns. It gave 12% annualized returns in last 3 year. If you have invested Rs 1,000 in SIP in last 3 years, your invested amount would  be Rs 36,000 and investment value would have been Rs 43,000 now.

Suitable for: Investors looking for medium risk, but looking for high returns can invest in these funds.

9) ICICI Top-100 mutual Fund

Overview: The scheme invests 95% in equities and balance in debt funds. This fund consistently invests in quality stocks like SBI, BHEL, L&T, ITC, ONGC and ICICI Bank, with the top-5 holdings accounting for around 40 per cent of the portfolio. Financial, technology, energy and FMCG are the sectors that have dominated the portfolio over the past 4 years, which has aided performance.

Performance of the fund: Its 5 year returns are 18% per annum. It gave 9% annualized returns in last 3 years. If you have invested Rs 1,000 in SIP in last 3 years, your invested amount would  be Rs 36,000 and investment value would have been Rs 42,000 now.

Suitable for: Medium risk investors expecting high returns can invest in these funds.

Also read: Mutual fund SIP Investment- Success or failure depends on you

10) Quantum Long Term Equity Fund

Overview: The scheme invests primarily in shares of companies that are included in the BSE 200 Index.

Performance of the fund: Its 5 year returns are 24% per annum. It gave 8% annualized returns in last 3 years. If you have invested Rs 1,000 in SIP in last 3 years, your invested amount would  be Rs 36,000 and investment value would have been Rs 42,000.

Suitable for: This is a good fund for those with a medium risk appetite, but looking for good returns.

Below is the quick summary of what we discussed.

Top and Best Mutual Funds in India to invest for 2014; Best SIP schemes for 2014

Conclusion: The above top SIP mutual funds are categorized from various sectors and for various risk appetite investors. Pick-up the best performing mutual funds which are suitable to you and invest them for the long term. If you can invest for say 8 to 10 years, I am sure you can create good wealth.

Readers, have you invested in these best funds? What other funds have you invested where you have gained high returns?

If you found this article is good, share the link in Twitter/Face book.

Suresh
Best and Top Performing SIP mutual funds to invest for 2014


Article by Suresh

Suresh KP i.e. me have written 400+ articles on this blog. I love doing analysis and identifying the Best investment options.

525 Comments

  1. sheetal says:

    Hi sureshji,
    Kindly suggest me best sip.
    For short term 6 month (bit aggressive ok)
    1 year moderate
    3 year safe
    5 year (safe)
    One globle fund, debt/elss, large cap

    • Suresh KP says:

      Sheetal, Pls invest in MF only for long term. For 3+ years, invest in balanced funds like ICICI balanced fund or HDFC Prudence fund. In ELSS fund, you can go for ICICI pru tax plan or Franklin India tax shield fund

  2. Shivu says:

    Dear SureshKP, Am 52yrs and reguarly invest in long tem funds. What is your view on BSL ultra short term and UTI ultra short term funds?

    I read about these as short term and better compared to FD. Is it true?

    Regards,Shivu

    • Suresh KP says:

      Hi Shivu, Birla SL Short term fund renamed as Treasury optimizer plan which is suspended for further sales. Even there is no fund by name UTI ultra short term fund. Pls re-check. Yes these funds would provide good returns compared to bank FD. Some of the good funds in this category are UTI Treasury Adv fund, Reliance money manager fund, ICICI Pru flexi income. All these are ultra short term funds.

  3. Ashish says:

    Hi Suresh,

    I dont know much about Mutual funds but after reading some blogs i am planning to start SIP of Rs. 20,000/- Per month. My time horizone is 10-15 years.  I have shortlisted following funds:

    1. HDFC top 200 Direct Plan (G) – Rs. 8000/-

    2. ICICI pru. focus Blue chip Fund Direct Plan- Rs. 8000/-

    3. UTi opportunities Direct Plan – 4000/-

    Please comment on my fund salection. I have salected Direct Plan becouse My time Horizone for investment is morethan 10 years. Witing for your expert advice.

    With regards

    Ashish

    • Suresh KP says:

      Ashish, Good to go. However I hope you are aware how to invest in direct plans. It requires to do KYC on your own. Pls do for 1 MF and then you would get familair.

  4. saurabh says:

    Hi Suresh,

    I am 31 year old and I am new to SIP. I would like to invest 2K to 4K per month in SIP for the next 5 years and would like to take return back in 10-15 years. I would like to do safe investment. Also Ready to divide this amount in various SIPs.

    Could you please suggest some good options? I also heard that, person should invest in SIP which are not performing well now to get better return in long run.

     

    • 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. Vijay K says:

    Hello Suresh Sir,

    Hope you are well now! I have been consistently reading this blog for past few months. It really has good information for first time investors like me. I am currently 28 years old and after reading your blog for past several months I have decided to start investing in MFs. I am married and I am expecting a baby in Jan 2015. Considering this I want to start long term investment in MF for security of my family. I also have Life insurance cum pension plans for me and wife from LIC.

    Investment goal – wealth creation upto 50 lac; term 15-20 years.

    I have shortlisted the following MFs for the same as SIP.

    Can Rebecco Equity tax saver (G) 1000 pm

    HDFC top 200 (G) 1000 pm

    HDFC bal growth (G) 1000 pm

    Quantan long term eq fund (G) 1000 pm

    HDFC Mid cap opp fund (G) 1000 pm

     

    Can I achieve my long term goal with these funds?

    I am also looking for some tax benefits. Out of these which MF will provide me benefit under sec 80c? If yes how much tax relief is provided 50%, 100%?

    Are returns from these MF taxable/tax free?

    Is my portfolio diversified, I am a medium risk taker. Please suggest any changes to my portfolio if these funds are not good. I have just shortlisted these funds and not yet invested.

     

    Thanks for the good work.
    Vijay

     

  6. amrita says:

    I am new to mutual funds. I am interested in ICICI prudential dynamic plan. you have written in 3 year 1000 in sip will make it 44000 thereby giving 9 percent annualized return. but I calculated it the way Rd returns are calculated and it as 12.8 percent approx. would you please clarify. thanks

  7. Rajendra says:

    I gain good
    knowlage

  8. Rakesh says:

    Hi Suresh,

    My age is 31 year and currently I have below investment:

    1. Birla SunLife Mutual Fund – SIP -2000

    2. LIC Jeevan Saral -36000

    3. LIC Jeevan Anand – 15000

     

    Now I want to invest in SIP(8000/month) for long term (at least 15 year).

    Kindly suggest me.

    Thanks

    Rakesh

     

    • 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.

  9. Sulabh Srivastava says:

    Hello Mr. Suresh,

    I need some mutual fund investment sugestions, i am a 33 years old IT professional, i wish to invest for long term benefit. Please suggest which mutual fund should i invest.

    thanks

    Sulabh Srivastava

     

    • Suresh KP says:

      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.

  10. kranthi cherukuri says:

    Hello,

    I want ot start ,y investments in Mutual funds.

    I want start with 1000/month n iwant ot invest for not less than 5 years, which complan and plan would be better for me.

    thank you…!!

    regards,
    kranthi Cherukuri

    • 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.

  11. Ashish says:

    Hi Suresh,

    Thanks for guidance for new investors.

    I am planning to start SIP of Rs. 20000/- PM. My time horozone for return is 12-15 years. Please suggest me the funds and their amount to create 1.5 cr. corpus. Presently I am investing in HDFC top 200 Rs 3000/- monthly. do i need to increase the SIP in same fund or choose other funds.

    Please suggest.

    With regards

    Ashish

     

    • Suresh KP says:

      Ashish, Invest Rs 27,000 per month for 15 years to get corpus of Rs 1.5 Crores. Invest in following funds. 1) Large cap – HDFC Top-200 / ICICI Pru focussed blue chip fund 2) Mid-cap – HDFC Mid-cap opps fund / Franklin India smaller co’s / SBI Midcap fund 3) Sector – Reliance banking / HDFC Infra / Reliance Pharma funds  4) Balanced – You can check HDFC Prudence / ICICI Balanced fund. 

  12. Prakash says:

    Hi Mr.Suresh,

    Im new to this Mutual Fund investments, i have a plan to invest Rs.2000 in SIP can you plz giv a suggestion in which funds will give good returns. It would be more helpful to classify with MIN and MAX risk plans.

    • Suresh KP says:

      Prakash, 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.

  13. Anil Asthana says:

    Hi Mr. Suresh, i am going to jeddah on my last assignment abroad, after that i will take retirement. Therefore, i want to invest in the Best SIP schemes. I will be investing around Rs 50,000 pm for a period of three years. Please suggest where shall i invest so that i will get maximum gain.

    • Suresh KP says:

      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.

  14. Basha says:

    Hello Suresh,

    Currently I don't have any MF would like to open new MF 2K/per month. Please advice the best & high return MF schemes in short term & long term.

    Thanks in advance

    • 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.

  15. Pratik says:

    Hi..My age is 22 yrs..i work in merchant navy.I hv 2.50 lacs saving now…not started investment still.I want 10 lacs for exams after 3 yrs..how can I start…my mom said for Mf…but guide me SIP s & some other schemes…..thanks in advance Sir!

     

    • Suresh KP says:

      Pratik, Investment in MF for 3 years would be risky. But if you still want to invest. my suggestion is to invest in balanced mutual funds to start with. Invest in ICICI Balanced fund and HDFC Balanced fund. 

  16. Ranganath says:

    Dear Suresh,

    Greetings for the day..

    Could you please let me know is it worth investing in gold units of  "Bullion India" unit systematic plan. (Bullionindia .in) 

    Thanks and reg

  17. Jagadeesh says:

    Suresh, My portfolio is as follows

    1. ELSS Tax saving: HDFC Long Term Advantage: 10000 per month SIP, In addition, I also hold HDFC Tax saver

    2. Liquid Fund: HDFC Liquid fund of 1,00,000 with STP of 10000 per month to HDFC balanced fund-G

    3. Also planning to start SIP of Rs. 10000 in HDFC Top 200

    I also have additional 20000 per month to invest. My horizon is 3-5 years. Is this a good diversified portfolio. What will be the accumulated amount after 5 years

  18. Manjunath Bhat says:

    Hi Suresh,

    I am new to Mutual Funds. I am ready to invest Rs.2000/-month. Kindly advise the mututal funds which will give me good returns after 5 or 10 yrs.

     

    Thanks

     

    Manjunath

     

    • 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.

  19. Sammy says:

    Dear Suresh,

    I am 65 years old retired person. 

    I have the current allocation in mutual funds. 

    1.  HDFC Top 200 

    2.  HDFC Prudence

    3.  Reliance Banking. 

    can you please advise me on this allocation as well as your opinion and feedback on what strategy I should follow going ahead considering my age and the fact that I am retired. 

    Thanks

    • Suresh KP says:

      Hi Sammy, Excited to see that at your age, you are still iunvesting in mutual funds. Considering your age, first 2 are good. However Reliance Banking is high risk fund, you should consider this in mind. You can invest in balanced funds like ICICI balanced fund or HDFC prudence or HDFC balanced fund which has less risk comparing to other funds.

  20. Vijay K says:

    Hello Sir,

    I am new to investing in MF. I am a first time investor. I would like to invest 2000/month SIP in MF. Please suggest me tax saving MF for the same. I also want to know the process for buying MF. Do we need an avaccount for the same?. I have closely followed this blog.

     

    Vijay

    • Vijay K says:

      Eagerly awaiting ur response sir

      • Suresh KP says:

        Vijay, I already responded and it shows on blog goo. Here it is. 

        Good to hear that you want to invest in tax saving mutual funds. First Open a mutual fund account with ICICIdirect.com or fundsindia .com account.   You can invest in Can Robecco Tax Saver fund, Franklin India tax shield fund, ICICI Pru tax plan mutual fund. All these are good for 3 to 5 years investment. You can invest them thru SIP to take care of market fluctuations.

        • Kunal says:

          Hi Suresh,

          One query:
          In ELSS fund, If I start SIP(1000/month) in July'14 then i can redeem same amount(1000) in July'17 or entire amount(1000*36+ interest) given lockin period of 36 months??
          each SIP investment will be treated as new one?

          Thanks for spreading knowledge and giving advices freely to everyone.Keep sharing.God bless.

          Regards,
          Kunal

           

    • Suresh KP says:

      Vijay,Good to hear that you want to invest in tax saving mutual funds. First Open a mutual fund account with ICICIdirect.com or fundsindia .com account.   You can invest in Can Robecco Tax Saver fund, Franklin India tax shield fund, ICICI Pru tax plan mutual fund. All these are good for 3 to 5 years investment. You can invest them thru SIP to take care of market fluctuations.

  21. Deblin Moitra says:

    Hi Suresh,

    I am absolutely new in this field and planning to start investing in SIP from coming motnh. As a starter I am planning to allocate Rs. 1000 for 3 years in one fund and Rs. 2000 in another fund for 1 year. Can you share some good tips and help me with this. Thanks.

  22. Kumar Vaibhav says:

    Hello Sir:

    I want to invest another 2k per month via SIP, can you please suggest me where should I invest (Long Term & Short Term), what's your opinion about HDFC TOP-200 or SBI Magnum Midcap Fund?

    Thanks in Advance!!!

    Kumar Vaibhav

    • Suresh KP says:

      Both are good. You can invest in them. One is Large cap and other is mid-cap. You can go ahead and invest. But invest for long term of atleast 8+ years.

  23. PAS says:

    Hi Suresh, I need to cleanup my portfolio. Can you please let me know which ones to keep, which ones to exit and which ones you would recommed to take…

    My current portfolio consists of the following funds…

    HDFC Equity

    HDFC Long Term Advantage

    HDFC Top 200

    ICIC Pru Tax Plan

    L&T Special Situations Fund

    Reliance Banking

    SBI Magnum Taxgain

    Templeton India Equity Income

    HDFC Prudence

    SBI Gold

    PineBridge World Gold Standard.

     

    • Suresh KP says:

      Hi Pas, it requireds major clean-up 1) Keep funds like HDFC Top-200, HDFC long term adv fund, ICICI pru tax plan, reliance banking, HDFC prudence. Remaining exit 2) 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.

      • PAS says:

        Thanks for your feedback Suresh. 

        I am planning of rebalancing my portfolio with the following allocation. 

        1. Two to three funds in Equiry diversified / large cap funds

        2.  Two funds in mid cap / small cap segment 

        3.  Two sectoral funds. Banking / pharma / technology

        4.  One balanced fund – HDFC Prudence. 

        I am 39 years old and looking for long term capital appreciation and wealth generation. 

        I would like your feedback / views on my portfolio allocation across the categories and also what funds do you propose I invest in each of the categories. 

        thanks in advance for your feedback. 

        • Suresh KP says:

          Good to know that. 1) Large cap – HDFC Top-200 / ICICI Pru focussed blue chip fund 2) Mid-cap – HDFC Mid-cap opps fund / Franklin India smaller co’s / SBI Midcap fund 3) Sector – Reliance banking / HDFC Infra / Reliance Pharma funds  4) Balanced – You can check HDFC Prudence / ICICI Balanced fund. 

          • PAS says:

            Many Thanks Suresh for your feedback.

            As per your recommendations, Should I invest in 2-3 Large Caps, 2 Mid Caps and 2 Sectorial Funds?

            Is this a good diversification of my portfolio ? What would you recommend? Also which ones are good to start SIP in?

            For Reliance Banking and Reliance Pharma what time horizon do you consider will be good to hold these funds?

          • Suresh KP says:

            Pas, This is good way to diversify. For sector funds, you should invest for 3 to 5 years period.

  24. Ravi says:

    Hi Suresh,

    I am a yound investor and new to mutual funds. I am planning to spend somewhere around 10k/month. Can you please suggest funds for a starter?
    Thanks!

    • Suresh KP says:

      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.

  25. Sushil says:

     

    Hi Suresh,

    Excellent Job you are doing for all of us.!!!!!!!!! Thanks a lot !!!!!!!!!!!

    I am 28 Yrs old, is this investment perfect for long term?

    1)Birla MNC 2000
    2)SBI Emerging Business 2000
    3)Reliance Pharma Fund 1000
    4)Reliance Equity Opportunity 1000
    5)Reliance Banking fund 1000
    6)Reliance Focused Large Cap Fund 1000
    7)RD @ 9.25%: 5000
    ——–
    Total : 13000/-

    Still I want to invest around 7000/Month please suggest more funds also provide feedback for existing investment SIPs.

    Thanks.

    • Suresh KP says:

      Good funds. 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.

  26. Sachin says:

    Dear Suresh Ji,

    I am 37 yr old and investing in below mentioned mutual funds for last 3years.

    Franklin India Bleachip (G)-Rs.3000

    ICICI Prdential Focused Bluechip (G)-Rs.2000

    HDFC Mid Cap Opportunities (G)-Rs.4000

    Birla Sunlife Fr.line (G)- Rs.2000

    HDFC Prudence Fund (G)-Rs.3000

    Reliance Regular Saving Fund (G)-Rs.1000

    i want to continue these funds for next 18 years (at that time my age will be 55)

    i will also increase my sip by Rs.3000 per year.

    My question is are these funds good enough for my retirement planning and which fund should i prefer to top up sip every year.

    Thanks in advance

    Sachin

  27. Yogesh says:

    Hi Sureshji,

    I always start my any investment only after your advice. I am 30 yrs old planning to start SIP in below funds for next 3 years for retirement purpose:
     ICICI Pru Focused BlueChip Eq Fund-Reg(G) – 2000 INR
     ICICI Pru Value Discovery Fund-Reg(G) – 2000 INR
     Reliance MIP(G) – 1000 INR
     UTI opportunities – 2000 INR
     Quantum Gold Saving Fund(G) – 2000 INR
     Is this a good portfolio or you want to suggest some changes. Please suggest.
     
     Regards,
     Yogesh

  28. Varun says:

    Hi Suresh,

    I am 25 years old and have started working recently. I am taking home a salary of around 65k, and post education loan installment (20k/month) and rent,personal expense etc (25k/month), I'm left with around 20k per month to invest. I want to start early and I'm not averse to risk. Here are my existing investments:-

    PPF (6 year old account)- 5000/month since May 2014

    SBI Recurring Deposit (1 Year)- 2000/month since May 2014

    Direct Equity- Around 13k at present

    I want to start investing in Mutual Funds. I want to maintain two separate investments- one for a time-frame of 3 years (with a target of around 8 lacs) and one for a time-frame of 5-10 years. Please suggest how should I go about my portfolio and the mutual funds that I should look to invest in for both the scenarios mentioned above.
    Also, I am considering stopping the RD and reinvesting that amount in mutual funds/direct equity. Please suggest. Thanks!

    • Suresh KP says:

      Varun, My suggestion is do not invest for 3 years period in mutual funds. Instead just invest in bank RD for 3 years. For 5 to 10 years, 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.

  29. avinash pal says:

    hi
    I am working in Indian railway I want to invest 5000/- per month for 3 year please give me idea for 3 or 4 sip to invest

    • Suresh KP says:

      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.

  30. sandip pawar says:

    Hi Suresh,

    I'm new to Sip & planning to invest Rs.2000pm for at least 5 years. I would like to take high risk but confused about different SIP schemes. Could you please suggest me the best suitable SIP plan?

    • Suresh KP says:

      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. In mid-cap segment invets in HDFC Mid-cap Opps fund and Franklin India smaller companies which are high risk. You can pick any of these funds.

  31. Dharmendra says:

    Hi Suresh,

    Which all funds you will suggest from SIP perspective. As I am thinking to share my investment in Equity, Debt and Gold ETF funds through SIP investment for long term says 15 or 20 yrs.

    Please suggest me the funds.

    Thanks,

    Dharmendra

    • Suresh KP says:

      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. In Gold ETF, you can look for SBI Gold ETF.  You can pick any of these funds.

  32. Emmanuel Bezawada says:

    I am currently being invested in these 7 funds and i give a SIP of 10000 every month in each of these funds.

    Can you tell me how I am doing?

    Quantum Long Term Fund (Growth)

    Franklin India Smaller Companies Fund (G)

    ICICI Prudential Technology Fund (G)

    ICICI Prudential Balanced Fund (G)

    ICICI Prudential Top 100 Fund (G)

    ICICI Prudential Focused BlueChip Equity Fund (G)

    SBI Magnum Midcap Fund (G)

    SBI Pharma Fund (G)

     

     

  33. sudha says:

    Hi Suresh,

    I want to start a sip which will generate me 60 k at the end of year, which is required premium amount of a ulip policy. kindly let me know the sip amount and the fund I should select.

    I think sip of 4k in hdfc balanced fund will fulfill the requirement.

    Regards

    • Suresh KP says:

      Hi Sudha, why you want to invest in ULIP ? Do you know that ULIP’s would generate 4% to 6% annualised returns. You can get better returns if you invest in bank RD. Don’t invest in MF to take out after 1 year to pay ULIP. Instead, open Bank RD and take it for 12 months. This would be best option.

  34. Ajit says:

    Hi KP,

    Presently i am investing Franlinn India Bluechip-Rs2000, Quantum long term -Rs3000, ICICI pru discovery-Rs3000,IDFCpremier equity-Rs3000, UTI MNC-Rs 2500, HDFC Balanced-Rs2000.

    Now i want to increase my SIP by Rs5000. I am thinking to quit Franklin India Bluechip and replace it with Birla frontline and IDFC with Axis Mid Cap. Is my decision right.

    New allocations:

    Birla frontline-4000;Quantum-5000;ICICI discovery-3000;Axis-3000;HDFC bal-3000;UTI MNC-2500.

    One more question is if we stop any fund then should we leave the money in it or should transfer the amount to new fund.Is there any charges on it?

    Thanks in advance

    Ajit

    • Ajit says:

      Hi KP,

      I am waiting for your valuable feedback..

      Ajit

      • Suresh KP says:

        I already responded to you. “You have chosen good funds 1) Repla Franklin India blue chip with Birla Frontline – Good choice 2) Considering Axis Midcap, instead take Franklin india smaller companies or HDFC mid cap opps fund 3) You can stop after some time and leave it or redeem and invest in some other funds. There would be exit load if you redeem within 1 year”

    • Suresh KP says:

      You have chosen good funds 1) Repla Franklin India blue chip with Birla Frontline – Good choice 2) Considering Axis Midcap, instead take Franklin india smaller companies or HDFC mid cap opps fund 3) You can stop after some time and leave it or redeem and invest in some other funds. There would be exit load if you redeem within 1 year.

  35. umesh chandra gupta says:

    i want to invest in sip 5000 pm for 10 years kindly suggest me

    • Suresh KP says:

      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.

  36. Nishar says:

    Hi Suresh, I am planning to go for SIP 15k/month on the following funds; would like to know your opinion on my list and any additional suggestion is more than welcome. Thanks.

    Reliance Equity Opportunities Fund

    HDFC Mid cap Opp. Fund

    Sundaram Select Mid Cap Fund

    HDFC Equity Fund

    ICICI PRU Focused Blue Chip Fund

    • Suresh KP says:

      Avoid 3 and 4, there are better funds in this segment. You can choose them. Others are good

      • ASHISH M. says:

        Hi Suresh,

        I am presently 62 yr. old working professional and expected to work for another two years.

        Recently I have redeemed all my investment in mutual fund and the proceeds are lying in my SB a/c of Rs. 50 L. I would like to reinvest the same in mutual fund/ direct equities.

        I need your guidance for re-investment of the same amount in mutual fund / direct equities to create wealth for the future.

        If you suggest to invest in the mutual fund kindly provide the name of MF or if in equity please give the name of the company.

        Please note that I am ready to take risk towards investment for another 5-6 yrs. for the same amount.

        Also suggest timing of the investment and pattern of the investment.

        Should I invest the entire amount at a time or in a phased manner considering the market situation.?

        Awaiting for your early reply.

        Regards

        Ashish M.

         

         

        • Suresh KP says:

          Hi Ashish, at your age, I do not advice you to invest in mutual funds. However if you still want to invest, you can consider investing in balanced funds thru SIP for 4 to 5 years. You can select ICICI balanced fund or HDFC prudence fund or HDFC balanced fund

  37. gulshan says:

    Hi Suresh

    I am an NRI residing in Dubai. I am looking to invest about INR 10,000 per month in 2-3 diversified funds

    Can you please suggest the most suitable for me? Seeing your top 10 list SBI Pharma and SBI Magnum Mid Cap look good to me. Any benefits that I get in any other investments in India as an NRI?

  38. rakesh says:

    Pls. confirm is below funds are good to put in SIP

    Reliance Small cap fund – Growth (1000)
    Reliance Pharma Fund – Growth (1000)
    HDFC Mid Cap Opportunities Fund – Growth (1000)
    IDFC Premier Equity Fund – growth  (Min amount is 2000/-)
    HDFC Equity Fund – Growth (1000)

     

    • Suresh KP says:

      Rakesh, good funds. Instead of HDFC equity fund, you may choose other funds in large cap segment like HDFC top-200 or Birla SL frontline equity etc.

  39. Anandakrishnan says:

    Hi Suresh,

    I am investing following MFs through SIP

    1) HDFC Top 200 (D) – 2000

    2) ICICI Top 100 (D) – 3000

    3) ICICI Dynamic Fund (D) – 1000

    4) Reliance Pharma Fund (D) – 2000

    I have some questions

    1) Can I stick with above mentioned funds?

    2) Somebody suggested me to switch to HDFC prudence fund from HDFC top 200 fund. Is it correct?

    Thanks in advance

    Anand

    • Suresh KP says:

      Ananda, Good funds. HDFC Prudence has done good performance in last 10+ years compared to HDFC Top-200, hence they would have suggested you. You can continue or switch.

  40. Girish says:

    Dear suresh

           I am 36 old person looking to long time sip (15 to 20). Pls help me to choose 5 mutual fund, I read all your articles best 5 and best 10in 2014, best in 2013, but funds are variying in each reco, so still iam confusing to select good 5 funds and I am already invested in 2.Details given below.

    (INVESTED) IDFC PREMIER EQTY RGLR(D)            2000     date 20 th of every month past two years

                          SUNDARAM SELECT MIDCAP(D)          2000     date 20th of every month past two years

    SELECTED TO INVEST

                      1)  ICICI PRU FOCUSED BLUCHIP EQTY .G

                      2)  ICICI PRU DYNAMIC PLAN .G

                       3)QUANTM LONG TER EQTY. G

                        4)BIRLA SL FRONT LINE EQTY. G

                        5) RELIANCE EQTY OPP RETAIL PLAN .G

                         6)HDFC TOP 200.G

                          7)UTI OPPORTUNITY FUND.G

                           8) FRANKLN INDIA BLUCHIP.G

                            9)HDFC PRUDENCE FUND . G

                  THESE 5 FUNDS I AM PLANNING 2000 EACH IN THE DATE OF 5TH,10TH,15TH,25TH,30TH.PLS HELP

                         

     

     

    • Suresh KP says:

      Hi Girish, You have chosen good funds. Stay invested. The reason my recommendation would change is it depends on risk appetite and age. If a person is nearing retirement, he should be invested more in debt and less in equity. A young investor can invest in large cap and mid-cap funds and zero in debt or hybrid funds.

  41. Malav Desai says:

    Hi Sir,

    I want to invest 6000/pm in mutual fund for period of 15 years.
    PLease suggest me 3 funds , so I can invest 2000 Rs each.

    Dont suggest me sectorwise fund, suggest me diversified funds.
    Also suggest me to invest in growth /dividend option of a fund, as I am investing for 15 years.

     

    • Suresh KP says:

      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.

  42. Ravi says:

    Hi Suresh,

    i am looking fro short term investments. coudl you pelase suggest some debt funds with growth and dividend options.

  43. gaurav says:

    NAMASKAR Suresh ji,

    After seeing budgt what will you predict for best MF scheme for 5 yrs 10 yrs 15 yrs.I want to invest 1000 each.

    i have a on e option reliance equity scheme & for another 2 option you suggest me . My current age 33. i can take risk in only one scheme.

     

    • Suresh KP says:

      Hi Gaurav, There is no change in our top 10 funds. However you can add infra and banking funds as they are expected to give good returns in 3 to 5 years from now. Pls check our next Monday article on this.

  44. Ashish says:

    Hello Sir,

    I am investing Rs. 6000 per month in the three funds via SIP.

    HDFC top 200 G ( Rs 2000)

    ICICI Prudential Value Discovery Fund Reg Plan – Growth ( Rs 2000)

    ICICI Pru Focused Bluechip Equity Fund Reg Plan Growth ( Rs 2000)

     

     

    I am doing this investment for next 20 years. Are these funds are good ? I wanted to invest 4-5K more in the SIP. Could you please suggest me funds for that?

    Regards,

    Ashish

     

     

     

     

     

     

    • Suresh KP says:

      Remove ICICI Pru value discovery fund from this list as there are better funds in mid-cap category. Consider HDFC Mid cap Opps fund or Franklin smaller companies fund etc.

  45. ravi says:

    hi suresh
    i am planning to invest 20,000 per month in s i p please suggest me 5 to 8 after budget good mutual fund according to you for next 5 year

  46. Shridhar says:

    Dear Suresh,
    1) Currently i am investing 2k pm in EQUITY / SBI Magnum Tax Gain Scheme – Direct Plan – Growth.

    2) Planning to invest 2k pm on SBI Magnum Midcap Fund(G). 

    Please let me know, whatever i am investing in option(1) is proper or any changes needed?
    The (2) which one i had opted, does it good to go ahead? Please share your thoughts.

    Thanks,
    Shridhar

  47. narendraprasd c says:

    Dear kp,
    What is your opinion on current budget increasing tax on debt mutual funds…I have SBI debt fund ..shall I continue or exit…will the current tax affect only debt mutual funds or other funds also?

  48. s sarkar says:

    Hello,

    I am interested to save between Rs 2000-Rs 4000 pm for my child's higher education (timeline: 20 years from hence) and marriage (timeline: 25 years from hence).

    Kindly suggest which fund will be the best for me for maximum return.

    • Suresh KP says:

      Hi Sarkar, 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.

  49. kuldeep says:

    Hi,

    I am investing in below MF and looking for long term.

    ICICI focused bluechip fund 2000

    HDFC balanced fund 3000

    HDFC debt opportunities fund 1000

    ICICI liquid fund 1000

    ICICI exports and other services 1000

    SBI magnum midcap fund 1000

    I want to sort out my portfolio and I can invest 2000-3000 more in MF. Please suggest.

     

     

     

     

    • Suresh KP says:

      Kuldeep, Stay away from debt and liquid funds now due to new budget taxation. Also instead of SBI mid cap, invest in HDFC Mid-cap opps fund. Others are good

  50. kausick halder says:

    Hi suresh,
    I am a new invester.I want to invest 1000/ per month in sip.for it I chose SBI MAGNUM GLOBAL FUND for 15yrs.I want to know that is it good for investment?

    • Suresh KP says:

      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.

  51. Vihari Bhardwaj says:

    Hi Suresh,
    I am investing in following funds using SIP please let me know your feedback and let me know if any changes needed. Thanks in advance
    1. Birla Sunlife Frontline Equity (G)- 2000
    2. Franklin India Bluechip fund (G)- 2000
    3. HDFC Top 200(G) – 2000
    4. IDFC Premier Equity(G)- 2000
    5. HDFC Tax Saver(G)-2000
    6. HDFC Prudence(G)-2000
    7. Birla Sunlife Top 100(G)-4000
    Thanks & Regards
    Vihari

  52. Anuradha says:

    Hi,

    I have selected icic pru dyanamic plan (g), icici pru top 100 (g)…quantum long term equity (g) for 1000/- per month sip for 7, 10, 15 years respectively, can I go ahead…waiting for your reply, Thanks in advance.

  53. chirag says:

    Dear sir ,

    I had sufienbt  Insuurance  of  More than  1 croe  ( preimeiaum – Rs. 20000 PM )  FD- more than 15  Lakhs hence now  want to invest Rs. 15000/ PM as  SIP,  Sicne  I am doing first time SIP  

    My goal is safe investment  with  12-13 % AnuIised retrune, need  yous  help in deciding  the same , based on my analysis I am planing as follows  :

     

    ICICI  pru tech fund

    1000

    SBI pharam fund

    1000

    FT india feeder franklin Us OPP

    1000

    SBI Magnum – mid cap

    2000

    HDFC  mid cap

    1000

    IDFC  preimier equity fund

    2000

    HDFC  balance 

    1000

    ICICI Balance 

    1000

    Relience Equity  oportunity

    1000

    Quantum long term Equity plan

    1000

    Franklin India Bluechip  

    1000

    ICIC  Pru Focused blue chip

    1000

    UTI oppruntites  fund

    1000

     

    15000

    Please gudie me on same and  sugest if  I shouldn add /Delete  OR Cahnge the amount .

    Regards,

    chriag 

    • Suresh KP says:

      Chirag, Technology sector is not doing good. Don’t consider them now. Remove ICICI Prutech and FT India feeder US Opp fund. In mid-cap, invest in HDFC Mid-cap and Franklin India smaller companies fund. Remaining are good

  54. Jay Sastri says:

    Hi Suresh,

    I had invested in few IPOs which have never been in profits. Not sure if I should keep on holding on to it or I should sell it

    Scrip Name  No of units Price

    DLFLIM        182    525
    GMRINF        750    50

    MUNPOR     15      140

    POWGRI    153      52

     Please note that I am long term investor. I do not have any plans to sell the scrips for the next 5 to 10 years as of now unless there is an urgency.

    Please advise.

    Thanks

    Jay

  55. bnp says:

    Hello Suresh,

    I want to invest 5k in Principle Growth(G) fund for 10 years of horizon for my son's education. Should i proceed?

     

    • Suresh KP says:

      Hi BNP, This fund has been avg performer and due to markets reaching peak it shows good returns. Avoid such funds as of now. Invest in consistent performers. 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.

  56. ram says:

    Hi Suresh,

    I want to invest 30 k every month in mutua funds..last year i inested in RD and got very less amount in return..

    So my friend susggested the below two MF's where he is investing for the last one year(he was investing 5000 + 5000(

    !. HDFC Equity funds- Growth

     2. Franklin INDIA BLUE CHIP FUND – Growth…

    he ivested for amount 240000 for 1 year , now the vaue is 320000, amost rs 80000 as return…

    Can you please susggest me , should i invest in these funds?

    Please respond.. iw ould be vey happy..

    thanks,

    Ram

     

     

     

     

     

    • Suresh KP says:

      Instead of HDFC Equity fund, you can choose other good funds. Franklin India blue chip is good. 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.

  57. Rajesh says:

    Hi Sureshji,

    I am daily follower of your blog and got benifited form your advice. I am new-low risk invester can invest 6k per month for 3-5 yrs instead of FD.
    I have sharekhan demat account so planning to purchase it online. Is that safe?
    I did some research please confirm are this only the funds(NAV) that your always suggest in your response.

    Equity:
    ———
    http://economictimes.indiatimes.com/idfc-premier-equity-regular/mffactsheet/schemeid-2886.cms NAV: 58 INR
    http://economictimes.indiatimes.com/quantum-long-term-equity/mffactsheet/schemeid-3181.cms  NAV: 35 INR
    http://economictimes.indiatimes.com/birla-sun-life-frontline-equity/mffactsheet/schemeid-1400.cms NAV: 140INR
    http://economictimes.indiatimes.com/icici-prudential-focused-bluechip-equity-reg/mffactsheet/schemeid-7517.cms  NAV: 25 INR
    http://economictimes.indiatimes.com/hdfc-top-200-direct/mffactsheet/schemeid-16164.cms NAV: 323 INR
    http://economictimes.indiatimes.com/uti-equity/mffactsheet/schemeid-247.cms   NAV: 87 INR
    Balanced:
    ———-
    http://economictimes.indiatimes.com/icici-prudential-balanced-reg/mffactsheet/schemeid-686.cms  NAV: 79.30 INR
    http://economictimes.indiatimes.com/hdfc-prudence-direct/mffactsheet/schemeid-16134.cms  NAV:350 INR
    http://economictimes.indiatimes.com/sbi-emerging-businesses/mffactsheet/schemeid-2415.cms  NaV: 77 INR
    Please help me to choose 6funds which will make good portfolio.

  58. Prateek says:

    Hi Sir,

    I am 23 years of age and recently started job. I have started SIP of Rs 5000 per month in Reliance Equity Opportunity Fund -Direct Plan (G). I want high returns within 5 years.
    I can invest Rs 5000 more and need around 10 lakh within 5 years. Suggest me what to do next.

    • Suresh KP says:

      Good fund Prateek. 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.

  59. shivaprasad says:

    hi suresh,

    good article. iam 28 years old and i am investing in icici prudential focused blue chip -3000 per month and sbi magnum midcap fund -2000 per month. i am planning to invest another 5000 per month for 15 years. kindly suggest me some good portfolio.

    thanks in advance

    shivaprasad

    • Suresh KP says:

      Good shivaprasad, Invest in largecap or diversified funds like 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.

  60. Arjun says:

    Hi Suresh,

    Am planning to invest Rs. 5k in SIP for about 15-18 years. Could you please let me know which would be the better portfolio?

    Also from Aug I can save around 70k per month for an year. How should I invest it to get max returns with litle risk except FD? Please suggest.

    Thanks,
    Arjun

    • Suresh KP says:

      Hi Arjun, 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. You can add mid-cap funds like HDFC Mid cap opps fund if you are high risk investor

      • Arjun says:

        Hi Suresh,

        Thanks a lot for your valuable feedback. Following are the funds that I selected (20% risk). Can you please suggest me whether its a good investment for a longer term or do I need a change in any of these funds / remove them from portfolio?

        Large Cap Funds 
        • ICICI Prudential Focused Bluechip Equity Fund – 1k 
        • HDFC Top 200 Fund – 1k

        Balanced Funds
        • ICICI Prudential Balanced Fund – 1k

        Diversified Funds
        • Birla Sun Life Equity Fund – 1k

        MidCap
        • HDFC Mid-Cap Opportunities Fund – 1k

        Thanks again,

        Arjun

        • Suresh KP says:

          Arjun, good to hear that selected good funds. However in diversified segment, I would not opt for Birla Sunlife as there are better funds here. Invest in reliance equity oppps fund or ICICI pru dynamic fund or UTI MNC fund

  61. Prakash says:

    Sir, Also will u pls advise me if I go for the investment in the following funds on 20000 p.m for 7+ years

    1) ICICI Pru Focussed BlueChip Fund (G) – 5K

    2) IDFC Premier Eq. Fund -Plan A (G)  - 5K

    3) Reliance Eq. Opportunities Fund (G) – 5K and

    4) Quantum Long Term Equity Fund (G) – 5K. 

    Already am investing 8K p.m in PPF and have enough insurance and whether there is any good mid n small cap fund which i can invest by splitting the abv amounts or the above one will be sufficient?

    Pls suggest me whether I hv to change/replace any funds. Thanks in advance. ……. Prakash.

  62. Prakash says:

    Sir,

    I have certain doubts related to MF investments. Is it better to start as SIP (for certain period or we can invest like SIP every month on our own). Is there any additional charge levied if we invest every month, i mean without opening as a SIP. Other than this are there any pros and cons in SIP and on the other way of investing in MF every month (ie. without using SIP) Kindly advise. Thanks in advance… Prakash

    • Suresh KP says:

      Hi Prakash, there are no monthly charges. However some MF brokers charge annual maintenance fees. You may check this. You need to pay transaction charges only while buying and while selling. 

      • Melon says:

        I want to start online trading for myself from home,as am unable to go out due to health issues now , i want to learn from basics to be able to earn say 1000 per day. pls guide me , where i can do the same, i stay in bangalore,would be highly obliged, as i need to do this imm .Tks

        • Suresh KP says:

          Hi Melon, Don’t be in hurry to invest and think you can benefit from stock market immediately. You should learn how market works and see why stock market crashes or market correction happens. Read my articles in stocks section to understand better.  Otherwise you would loose money

  63. saurabh tewary says:

    Sir, 

    i am new to Sip and wants to invest 8000-10000/month  for 2 yrs …Kindly advise.. 

    Please do highlight the risk factors inolved.

    Regards

    Saurabh T

    • Suresh KP says:

      Hi Saurabh, Don’t invest in mutual funds for 2 years as you may get good returns. Atleast try investing for 3 to 5 years period. If yes, invest in balanced funds such as ICICI Balanced fund or HDFC Prudence fund

  64. Vineet Goyal says:

    Hi Experts

    Can you help me to make my portfolio, I want to invest 10 K per month for 15-20 years for my retirement. I have no ideas which is good fund so please help me.

    Regards
    Vineet

    • Suresh KP says:

      Hi Vineet, 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.

  65. Raj Gupta says:

    Dear Suresh,

    Thanks for yoor helpful recommendation.  Here I am planing to invest in below funds

    Reliance long term Equity fund (G)- Rs.5000 pm

    Mirae Asset I oppprtunity Fund (G)- Rs 5000 pm

    Mirae Asset Emerging Bluechip (G)- Rs.5000 pm

    Birla sun Life frontline equity fund (G)-Rs.5000 pm

    HDFC infrastructure fund (G)-Rs.5000 pm

    Kindly advice me your recommendation for better planning than above..

    Waiting for your reply.

    Regards,

    Raj Gupta

    • Suresh KP says:

      Hi Raj, First 3 funds, replace with some other top performing funds indicated in my article. I am not saying they are bad, but there are other better funds. 

  66. hitesh says:

    dear please advice me how can achive 75 lac in 15 year pls advice me fund and amount

     

    • Suresh KP says:

      Hi Hitesh, You can achieve Rs 75L by investing Rs 13,500 for 15 years. However choosing best funds and monitoring them is key. 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.

  67. Ravi says:

    Hi Suresh,

    I am looking for some short term investments.Could you pelase suggest some debt funds with growth and some with dividend options.Aslo let me know how to invest in theme? is it same like mutual funds?

  68. vaishali says:

    hi Sureshji, plz suggest me MFs & amount to be invested each month thru SIP so that I can get 70 lacs within 85 months

    • Suresh KP says:

      Hi Vaishali, If you need Rs 70L in 85 months, you need to invest atleast Rs 50,000 per month with an returns of 13% per annum. 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.

  69. vineet says:

    HI, I HAVE THE FOLLOWING SIP …

    HDFC TOP 200  ( GROWTH )@ RS 1500 PER MONTH 

     RELIANCE GROWTH FUND – RETAIL PLAN – GROETH PLAN @ RS 1500 PER MONTH 

     EELIANCE GOLD SAVINGS FUND  - GROWTH PLAN GROWTH OPTION @ RS 1500 PER MONTH 

    START DATE – 28/11/11 END DATE – 28/10/21..I WANT TO KNOW THAT SHOULD I CONTINUE WITH THE SAME  OR SHOULD I EXIST ?

  70. mahavir says:

    hi suresh

    among banking fund:which one is better to start SIP reliance banking fund -growth or icici pru banking and financail servcies?

  71. sachin says:

    hi, I am planning to invest Rs. 2000 / month / fund in the following  :

    HDFC Equity Fund, Quantum Long Term diversified, ICICI Pru focussed blue chip, IDFC premier equity and SBI Emerging Bussiness.

    I think it is mix of diversified, large cap and mid cap funds and also with different AMCs. My investment horizon is for 5 to 8 years. Please let me know if i have chosen the right funds?

     

    • Suresh KP says:

      Hi Sachin, Stay away from HDFC Equity fund. Instead invest in HDFC Top-200 or Birla SL Frontline equity fund

      • barsan says:

        could you please tell me the reason for staying away from hdfc equity.fund manager for equity and top-200 is same.i will be highly obliged if you could please clarify it.

        • Suresh KP says:

          Investment objectives are different Barsan. 

          • barsan says:

            sorry.i didn't get you.What do you mean by " invesment objectives" ?could you please clarify it.do you mean to say that if one has to invest for 5-8 years then HDFC top 200 is better than HDFC equity or if one has to invest for more than 8 yrs or so, then HDFC equity is preferable.

          • Suresh KP says:

            Barsan, Your interpretation is correct about mutual funds. If your investment objective is for child education, retirement or making corpus for doing marriage for your children, your objectives are long run and you can take risk and invest them. In such case invest in large cap funds and mid cap funds. However if you objective is only for 3 to 5 years for some medium term goals, you cannot apply same rule. I said HDFC Equity fund, you may keep it aside as there are better funds. 

  72. Bahadar Singh says:

    Sir

       I am investing Rs.1000/- p.m. in HDFC Top 200 G through SIP from last 3 years. Please tell me that i am doing right or not. I also want invest Rs.2000/- p.m. Please suggest me which SIP is best for investment for long term with good profit.

    • Suresh KP says:

      Hi Bahadar, You are invest in good fund. You can also look for ICICI focussed blue chip fund, Quantum long term equity fund, FT India blue chip fund etc.,

    • swaran says:

      Hi Suresh. Im presently planning to invest Rs 15000/- pm through SIP for around 5 years in following funds. please advice

      SBI Emerging Businesses Fund – Regular Plan – Dividend 

      SBI FMCG Fund – Regular Plan – Dividend 

      246D-SBI Gold Fund – Regular Plan – Dividend 

      SBI Magnum Equity Fund – Regular Plan – Growth 

      SBI Pharma Fund – Regular Plan – Growth 

      Thanks … swaran

      • Suresh KP says:

        Hi Swaran, You need to correct your portfolio to some extent 1) Stay away from SBI FMCG for now 2) SBI Emerging business fund, SBI Pharma Fund are good 3) You can hold SBI Magnum equity fund too 4) SBI Gold fund is ok, but you can invest in SBI Gold ETF which provides better returns than this gold.

  73. Anuradha says:

    Hi, Suresh

    Thanks for your comments, I want go directly to icici direct.com right, or through online.Is there any charges to open account and even for maintainence like yearly or monthly. 

    • Suresh KP says:

      Anuradha, There are some small yealy maintenance charges which you can bear. However there are transaction charges for each and every purchase of SIP and depends on broker to broker. You can invest thru ICICIdirect .com

  74. Rajesh says:

    Hi suresh,

    I am planning to start SIP in below fund. can you please suggest me it this fine:

    icici blue chip
    icici pru dynamic
    hdfc balanced
    hdfc top 200
    UTI opportunities fund
    Birla SL FRF

    Also, If we search on interesnet many options come for same funtion like RSF(G),RSF(D) so please tell me what option we should choose like Growth,divident etc i am confused here.

    • Suresh KP says:

      Hi Rajesh good funds. Invest in growth option. This refers that if you invest in such schemes, you would get profits / returns only when you sell. Dividend option is where you would get regular income even before selling. You should select growth option to grow your money

  75. gaurav says:

    Namaskar Suresh j, Firstley thanx for Ur artical .

    Suresh j I am new in MF One of my Friend suggest me Following these MF Plz guide me.

    1) dsp black rock micro cap fund

    2) Reliancequity opportunity fund

    3) ICICI Discovery FUNE

    PLz Find 2 best fund for investment through SIP for 5 years Rs 1000 for each

    • Suresh KP says:

      Hi Gaurav, Thanks for your message. Reliance Equity opps fund and ICICI Discovery fund are good. DSP BR Micro cap fund is underperformer and there are better funds. You may switch to other funds like ICICI focussed blue chip fund or Birla SL Frontline fund etc.,

      • gaurav says:

        sir , can u suggests me three SIP for LONG RUN.( RELIANCE Equity opp fund alredy have for 5yrs)

        5yrs— Rs1000 

        10 yrs—Rs1000

        15ysr— Rs1000

        • Suresh KP says:

          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.

  76. RAHUL POWAR says:

    hi

    rahul here. i am new in this field. i just read it & int in sip. i am starting investment with 1000/- per month. it will be long term

    in which i will be invest ?

    • Suresh KP says:

      Hi Rahul, Good to hear about you. Please start investing in balanced funds to start with. Pls read our latest article about types of MF which yould give you idea about mutual funds for new investors like you.

  77. Avinash Bm says:

    Hi suresh sir. I am 30 year old. I have invested in equity mutual funds with bias towards large cap funds(50%) and 30% towards midcap. Do we need to increase allocation towards midcap and small cap considering age factor for 20 year goals. Considering india’s growth factor and young population young can have much more growth in midcap and small companies. Whats your opinion sir?

    • Suresh KP says:

      Avinash, You have asked good question which would really benefit you. At your age, you can take risk and invest for long term. You can look to invest for 10-15 years, but in case of bad market conditions, you can still extend for another 5 years. Hence you can take risk and allocate more in mid-cap/small-cap funds and large cap funds. You can go 40% in large cap, 50% in mid-cap and 10% in debt / RD / FD schemes. This is how I prefer.

  78. mahavir says:

    Hi suresh,

    I have SIPs in the following :

    icici pru focussed blue chip -regular – growth -2000

    uti equity opportunities regular growth -2000

    hdfc top 200 fund direct growth – 1000

    hdfc prudence fund direct growth – 1000

    canra robeco equit diversified -gorwth – 2000

    idfc premier equity fund -regular growth -2000

    icici pru discovery fund regular gorwth -1000

    reliance equity opportunities fund direct growth – 1000

    sbi emerging businesses fund -direct growth -1000

    i am also starting sips in teh following :

    icici top 100 diretc growth -2000

    icici pru dynamic plan direct growth -2000

    hdfc balanced fund -direct – gorwth – 2000

    birla sunlife infrstrcture fund -1000

    please let me know if above portfolio is ok or any changes need to be made.

    also i want to start sIP in relaince banking fund or icici pru fin service and banking fund..for 1000. let me know which one is preferable.

    Thanks for your help.

    regrds

    mahavir.

  79. Anuradha says:

    Hi Suresh,

    Very informative article

     

  80. Anuradha says:

    Hi Suresh,

    Very informative article, I want to invest in sip 2000/-per month. Iam new to sip, I don't know where exactly we should contact in person to invest in sip in Mysore. Please suggest where to contact and in which plan I should invest for 7-8 years. For my son's education now he is 7th std. Iam a medium risk investor, already investing in RD 2000/- per month for 2 years in karnataka bank and 1000/- per month in canara bank. waiting for response. Thanks in advance.

    • Suresh KP says:

      Hi Anuradha, You should first open a mutual fund account. You can contact ICICIDirect.com or fundsindiadotcom. Once you open account, you can start investing in balanced fund as you are moderate risk taker. Invest in HDFC Prudence fund or ICICI balanced funds.

  81. JIMMY MODI says:

    Hi suresh,

    I am planing to have SIP of 2000 for 3 years with a expected return of 60k after the horizon.Suggest some good fund.

    Also i am planning to invest in LIQUID FUND,How is HDFC LIQUID FUND -Growth ?

    Rgds

    Jimmy

     

     

    • Suresh KP says:

      Some top balanced funds which you can invest for 3 to 5 years period are ICICI balanced fund, HDFC Prudence and HDFC Balanced fund. Yes, you can invest in HDFC liquid fund for short term.

  82. Vasu says:

    Dear Suresh,

    Recently, JPMorgan MF launched Emerging Markets Opportunities Offshore Fund and they are offering NFO for Rs 10 per unit. Offer closes on 30-Jun. I'm planning this as a long time investment ~ 10-15 years

    Do you recommend to invest in this?

    Regards

     

     

  83. Suresh KP says:

    Hi Raj, Good funds, except for below 1) Stay away from HDFC Equity fund, HDFC capital Builder and HDFC Children Gift fund schemes etc. These have performed well due to bull run, else they could have been underperformers in long run. Others stay invested

    • Raj Gupta says:

       

      ~~Please suggest me your best funds wherein I can switch below fund for better capital build up.
      1) HDFC Equity Fund
      2) HDFC capital Builder fund
      3) HDFC children Gift Fund- Investment Plan

      ________________________________________________________________
      Now I am planning to add new funds as below.

      A) Reliance Long term Equity Fund (G)- Rs. 5000 pm

      B) BIRLA SUN Life Frontline Equity fund (G)- Rs.5000 pm

      C) Mirae Asset Emerging Bluechip (G)- Rs 5000 pm

      D) Mirae Asset India Opp FUND (G)- Rs.5000 pm

      On reference to above both options, Please giude me your recommended & worthful funds for my better planning.

      Thanking you,

      Regards,
      Raj Gupta

  84. Narayana Murthy says:

    Hi Sir,

     

    I am new to MF, Agred 46 yrs. Please suggest good SIP Mutual fund I can invest and the duration to be get invested.  I am planning to do 10K to start with

     

     

    • Suresh KP says:

      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.

  85. Rajesh Vyas says:

    Hi,

    I want to start SIP's of Rs.1000/- each in following funds for a period of 5 years or more. please suggest whether these choices are good or not. ( I have to save money for my daughter education and future)

    Reliance Equity Opportunities Fund

    Franklin India Smaller Companies Fund

    ICICI Prudential Focused Bluechip Equity Fund – Regular Plan

    Quantum Long Term Equity Fund

    ICICI Prudential Technology Fund – Regular Plan

    UTI Transportation and Logistics-G

    SBI Pharma Fund

    Regards

    Rajesh

     

    • Suresh KP says:

      Good funds except ICICI Technology funds. Stay away from Tech funds for now. Also UTI Transport and Logistic and SBI Pharma fund are sector funds which are high risk. You should know before you invest in such funds.

  86. Avinash says:

    Dear Suresh,

    I have Rs. Two Lac which I want to invest in a scheme for 3 years or so offering better returns than a bank FD scheme. What would you suggest.

    Avinash

  87. BEEKEY BHARADWAJ says:

    Hi Suresh,

    This is Beekey Bharadwaj based on Chennai… I have Invested in Property in Gurgaon under CLP Plan (the Property Value 1Cr Approx… Builder will complete the project in coming 3years… so i would required 10 lacs rupeess for Registration of Property after 3 years…

    Can you suggest, in which SIP & how much amount i should invent to get the 10 lakhs after 3 years????

    Regards

    Beekey Bharadwaj

    • Suresh KP says:

      Hi Beekay, There are several ways to do that. 1) If you want to take zero risk, invest Rs 24,300 per month in bank recurring deposit for 36 months. 2) If you can take small risk, invest Rs 23,000 per month in balanced mutual funds for 3 years which can provide 12% annualised returns. Both these options can help you to reach your goal of Rs 10 Lakhs in 3 years. There are other ways too, but you can try the above ones.

  88. ratan says:

    dear sir,

    i personaly intrested in mutual fund so, please me best to best fund suggested sip by month wise Rs. 1000

    • Suresh KP says:

      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.

  89. Janani says:

    Thanks Suresh…

    • Chaitanya says:

      Hi Suresh,

       

      Very good article. I can invest upto Rs.25000 per month. I am looking for short teram(2 years)/high profit investment. Can you please suggest where can I put my money?

       

       

      • Suresh KP says:

        Hi Chaitanya, You should invest for a minimum of 3 to 5 years in mutual funds to see some profits. For such short term, you can invest in balanced funds

  90. Prashant Kumar says:

    Hi Suresh,

    Thanks for your advices and educating the investors.

    I had started investing Rs. 6000/month in the following funds from last 3 years and I need to renew the subsciption. Now I want to invest Rs. 10000/month in mutual funds. Could you please advise whether I shall continue with the same funds or opt for new funds? I am a software professional aged 35 years and have liability in terms of Home loan of 30 lakh. I do have a daughter and my horizon is long term. I can invest even 15000 also. Please suggest. Awaiting for your reply.

    Funds: HDFC Top 200 Fund – Growth – Rs. 1500

               ICICI Prudential Focused Bluechip Equity Fund – Regular Plan – Growth – Rs. 1500

               IDFC Premier Equity Fund-Growth-(Regular Plan) – Rs. 2000

               RELIANCE GOLD SAVINGS FUND – GROWTH PLAN GROWTH OPTION – Rs. 1000

     

    • Suresh KP says:

      Hi Prashant, Good funds. Gold saving funds are underperformers now, but for long term, you should stay invested. Try investing some funds under mid-cap segment like HDFC Mid cap opps fund and Franklin India smaller companies. Since at your age of 35, you can invest for 10-15 years and if required you can invest another 5 years more and make good money out of it.

  91. SURENDER says:

    This is surender. i am 25. i am planning to invest in mf for 10000 per month via sip.

    i selected 

    1) icici blue chip   

    2)icici pru dynamic

    3)hdfc balanced

    4)hdfc equity  or hdfc top 200

    all for 10 years. kindly guide if modification any required.which funds to pick also.

  92. Rajesh says:

    Hi,

    i have made investment in

    hdfc top 200 3 years

    kotak opportunities 6 years

    reliance growth fund 6 years

    sbi contra fund 6 years

     

    can I continue this for another 3 years

    can you suggest 2 more funds,I can invest 2000 isn't for each

    thanks,

    rajesh

    • Suresh KP says:

      Rajesh, Kotak Opps fund, HDFC Top-200 are good. However SBI contra fund and Reliance growth fund are under performers. You can check and close them. You can look for ICICI Pru focussed blue chip fund or Birla SL Frontline fund etc.,

  93. Karan says:

    Thanks Suresh for your valuable feedback.

    Will I go with SIP "growth" or "divivdend" or how it will impact the maturity amount

    • Suresh KP says:

      Hi Karan, If you go for dividend option, the returns are generally paid regularly to you. These are tax free. However for growth, when you sell the units, the amount would along with your principal investment. 

  94. Dinesh G Bagwe says:

    Sir, I have decided to start investing in MF through Fundsindia. Have selected below funds. pl. advise if the below funds are best for given investment period.

    1) ICICI pru focus bluechip fund–1500/- (for 10 years)

    2)HDFC midcap opp fund–1000/-(for 5 years)

    3)ICICI balance fund–1000/-( for 5 years)

    I am little confuse about diversified fund .which is better fund between HDFC midcap opp fund and UTI opp fund. Also i want to ask about Fundindia. I have salary account in ICICI. So shall I get any benefit if i choose ICICIdirect .com for mutual fund investment. or shall i continue with Fundindia?

     alsp pl. advise about Miraee asset emerging bluchip fund. As my friend suggested me to invest in this MF. as he is also investing in this fund. Thanks

     

    • Suresh KP says:

      Hi Dinesh, 1) You have selected good funds. 2) Regd diversified funds, you can select funds like Reliance Equity Opps fund. 3) You wont’ get any special benefit from ICICIDirect.com even if you have salary account as this pertains to bank and not ICICIDirect.com 4) Mirae Blue chip fund is also good. 

  95. Soumita says:

    Hi Suresh,

    I am new in MF investment.Can you please suggest a good fund to invest .My age is 37 yrs and I want to start investment with 2000/pm

     

    Thanks,

    Soumita

    • Suresh KP says:

      Soumita, 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.

  96. suresh says:

    Hi Suresh. i  am new to mutuval funds. i am planing to invest 10,000 for each month  for 5 to 8 years. i picked follwoing funds.could you please validate and let me know is there need to change the fund.

     

    Birla Sun Life Frontline Equity Fund –                     2000
    HDFC MidCap Opportunities (G) –                          2000
    Reliance Equity Oppor – RP (G) Buy Online           -2000
    Quantum Long-Term Equity Fund (G)-                    2000
    HDFC Prudence Fund (G) Buy Online-                   2000

     

  97. Das says:

    Dear sir,

    I would like to invest Rs.1000/ per month for 10 or 15 years through SIP, Could you please suggest me which plan is good.. how much i can expect after the maturity. Please suggest Waiting for your valuable reply.

  98. Shailendra says:

    Hi Suresh,
    I am new in SIP and very thanks to you for knowledge sharing.
    Can you guide me to how do i invest in SIP? like i am 32 and i have a LIC of 25,000 pa and regularly i am investing in FD of 1 lkh every year for 5 years from last 3 years. I want to invest for my daughter (3 years old) for her higher education when she will 16 and then for her marriage.
    Kindly guide me that how do i invest to achieve this goal .

    Thanks in Advance
    Regards,
    Shailendra

    • Suresh KP says:

      Shailendra, Good to know that you are planning for your daughter. You don’t need seperate plan for your daughter. Start saving some money and invest in various mutual funds. 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.

  99. abhijit says:

    Hello Sir,
    I want to invest 20000/month in sip for 5 years.Can you suggest some high risk high return funds?
    Or Should i go for purchasing property or land ?
    Which will fetch me a better return?

    • Suresh KP says:

      Abhijit, You can look for both these options. In case you want to invest in mutual funds, try investing in large cap funds. Since you indicated high risk funds, you can invest in banking and infrastructure to 20% of your portfolio to get good returns in 3 to 5 years.

  100. Sandeep Jaiswal says:

    Hi, I have 2 queries:

    1. I have 2lacs which I would need by the end of 2014. However, I want to invest that money in Mutual Fund for this short period. Plz suggest me a good fund which can/will give me maximum returns wil ofcourse minimal risk.

    2. I have invested in below MF’s @ 1000/month SIP’s , please let me know if the below fund looks good and there is any other fund i should be investing. Can invest max 2K/month more in MF.

    UTI Opprtinities, Reliance Tax Saver, Axis Long Term Equity , DSP Equity Top 100, SBI Emerging Business, UTI Transportation and Logistics.

    Thanks,
    Sandy :)

    • Suresh KP says:

      Hi Sandy, If you want to invest money for short term of 6 months, invest in liquid funds or ultra short term funds. Regd MF’s indicated by you, You have selected good funds. However your portfolio is more into tax savings, sector funds and mid-cap funds. You should invest in large cap funds to get good returns in long run

  101. Karan says:

    Hi Suresh,

    I am a first time investor in SIP and selected the following given below. Want your advice if they are good to procced with. The first 2 are from balanced funds category and last 2 from Large cap.

    HDFC prudence (5 yrs)

    ICICI balanced fund (5 yrs)

    birla life frontline equity (15 yrs)

    ICICI prudential focused bluechip equity fund (15 yrs)

    Are the combination good with the year I have taken? and planning for 1K for each SIP per month.

    For birla life frontline equity on website it shows as high risk? Will I go with this or not.

  102. ravi says:

    I am investing in the following funds

    Icici prudential focused bluechip equity —3000

    Birla sun life frontline equity. ————-1000

    Uti opportunities fund ———————2000

    Reliance equity opportunities ———— 2000

    Idfc premier equity————————4000

    Icici prudential discovery fund ————1000

    I am investing all these funds through direct option and planning for at least 15 years. I want to maintain 50:50 for large and mid cap. Is it good strategy for 15 years. I want to invest in lage cap more 3000 , should I spread in the same portifolio or opt for quantum long term equity. Should I also reduce idfc premier equity and opt for hdfc mid cap opportunities?

    • Suresh KP says:

      Hi Ravi, Good funds. Stay invested. It depends on your age. If you are below 40, you can stay invested with this portfolio. If you are above 40, you should reduce mid-caps and increase large caps. This is because in case markets are not performing well after say 12 years from now, you may continue for another 5 to 8 years to get good returns.

      • ravi says:

        Hi Suresh,thanks for your reply.my age is 35 ,regarding investment of 3000 more,should I increase in BSL Frontline equity or go for quantum long term equity? More over should I continue 4000 sip in idfc premier equity or split into hdfc mid cap opportunities 2000 each

        What is ur view on lump sum investment now in the above mentioned portifolio?

  103. Govind Mishra says:

    Hi Suresh

    Kindly Suggest few balanced funds with a horizon of 10 years and few debt funds with a horizon of 5 years to be invested.

    Also advise couple of funds which could be invested for Long Term Say 20-25 years to create a decent corpus which could take care of post retirement needs of consistent income.

    thanx in advance

    Govind

    • Suresh KP says:

      Govind, The funds indicated in this article are good for investment. You can look for ICICI balanced fund or HDFC prudence funds in balanced funds category. In large cap funds, you can invest like ICICI focussed blue chip fund or HDFC Top 200 or Birla SL Front line funds. These can provide good returns in long run.

  104. Ajit Kumar Thakur says:

    Hi Suresh,

    I am new to mutual fund. i want to invest in SIP mutual fund for 10 years.I have selected below plans based on your analysis. Please suggest your ideas on the same.

    1. ICICI prudential focused bluchip fund  2000/mnth

    2. SBI emerging business fund    2000/mnth

    3. ICICI balanced fund   1500/mnth

    4. Birla sunlife long term adv fund   1500/mnth

     

    Regards,

    Ajit

     

     

  105. DILIP SAHU says:

    Dear SURESH sir, 

     First of all i would like to say thanks to u for ur great advices for all of us.I am following ur article and now decided to take MF. Sir as i am new player in this field so pls guide me and help me to get good funds.

    I want to invest in,

    1) HDFC TOP 200 FUND GROWTH……….. Rs 2000 per month

    2) ICICI PRU TOP 100 INSTITUTIONAL OPTIO 1 GROWTH

                    OR

        ICICI PRU TOP 100 PLAN REGULAR GROWTH

                     OR

        ICICI PRU FOCUSED BLUE CHIP EQUITY FUND REGULAR GROWTH

                     OR

       FRANKLIN INDIA BLUE CHIP FUND GROWTH

    FROM THIS 4 pls select 2 for me i want to invest Rs 1000 per month in each of the selected .

    Again

    3) ICICI PRU VALUE DISCOVER FUND REGULAR GROWTH

                    OR

         BIRLA SUNLIFE PURE VALUE FUND GROWTH

                   OR

         SBI EMERGING BUSSINESS FUND GROWTH

                   OR

         HDFC EQUITY

    Pla select for me any 2 .i want to invest Rs 1000 per momth in these 2 funds. SIR u can add any other funds other than this if nessasary for me whice will be benificial for me . PLS make my portfolio as per ur choice.Total amount i want to invest is Rs 6000 .. SIR pls give some time from ur busy schedule.

    Wating for ur reply 

    THANK

     

  106. Janani says:

    Hi Suresh,

    I am new to MF & started investing today after reviewing your suggestions & few other websites.

    1) ICICI Prudential Dynamic – Regular Plan – Growth (2500 pm – SIP). I have placed this order through my HDFC SIP (salary account)

    2) I have purched Birla Sun Life Top 100 Fund (G). I have placed an order to purchase this MF for 20000 rs. I am not sure if i can invest lumpsum amount like this rather going for SIP. Is there any locking period for this MF? Please tell me how should i invest whether through lump sum amount / through SIP to earn more returns. Also please let me know 2) some high returns 1 / 2 year MF & amount to be invested b) Good returns 10 year MF (returns should be more than FD interest)

    3) I have deposits in PPF account , 4 fixed deposits (1 long term , 3 short term , 1 long term tax benefit FD) & 3 LIC policy. Please help me to save more to get good returns as an i can afford upto rs.10000 in addition to the above. Also suggest whether my investments options are good since am 29 years old now.

  107. Niraj says:

    Hi Suresh,

    Very useful article. I am a novice in stock market. So need your guidance.

    I have thought of starting to invest in the market. Need your inputs.

    1. Is it a right time to enter the market? Aren't the markets already at very high levels?

    2. My understanding is MF invests in a group of stocks while SIP invests in a group of MFs? Is this correct? If so are the funds that you suggesting, MFs or SIPs?

    3. I am 31 years of age.I want to invest in SIP.My risk appetite is low. Kindly suggest how to go about investing in SIPs. Time horizon is minimum of  5 years.

    Thanks

     

    • Suresh KP says:

      Hi Niraj, 1) Markets are peak. However severan analysts feel there is still scope for reaching some more highs. Don’t make fresh lumpsum investments now 2) Your assumption is wrong about SIP. SIP’s are also invested in various stocks based on scheme objectives 3) If you are low risk appetite investors, you can look for debt funds and balanced mutual funds.

  108. Saravana says:

    Hi suresh,

    I am planning to invest in kotak-psu-bank-etf via SIP.Let me know if its could to start now or should I choose banking mutual funds instead of PSU bank funds.Please suggest.

    • Suresh KP says:

      Hi Saravana, Currently banking sector is expected to grow at faster pace due to new govt focus on infrastructure developement. You can invest. But it would be high risk. Alternative you can reduce the risk by investing in banking sector mutual funds like Reliance Banking fund or ICICI Pru banking and fin services funds or UTI banking fund. Mutual funds can eliminate some risk comparing to ETF’s

  109. Hari says:

    Hi Suresh…at the outset let me thank you warmly for the independent opinion you give out through your website;  Can you advise me on these 2 questions, thanks in advance 1. what is your outlook on Reliance Diversified Power Sector fund (Growth), the NAV was around 43 before the new government took charge and now it shot up to 77.  I used to hold some units in the Reliance Infrastructure fund which got amalgamated to the Relaince Diversified Power Sector Fund.  Is it worthwhile to hold on to this fund or now that the NAV is high, should i cut my losses and move forward.  2. What is your outlook on Religarte Invesco Mid n Small cap fund ? thanks in advance, Hari

  110. Lalit Kumar Shrimali says:

    Dear Sir,

    I want to invest for a 5k per month in MF, I am willing to go for diversified my fund in to sector,mid,small and large cap. Please suggest me the top fund and advise me that should I go for 8 to 10 SIP or go for 4-5 fund only.Time horizon appoximently 7-10 yr.

     

    • Suresh KP says:

      Hi Lalit, 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.

  111. Satpal says:

    Hello Sir

    I want to invest in 4 mutual funds 2000/-m for all 4 for 5yrs out of these  plz let me know which 4 r best to invest 

    or should we use Brokers to do or direct which is best

    ICICI Prudential focused bluechip

    SBI Magnum Global

    HDFC Mid cap Opportunities

    Reliance Equity Opportunities.

    Sbi emerging Business Fund

    Birla sunlife long term adv. fund

    Birla Sun Life Top 100 (G

     Franklin (I) Smaller Cos (G)

     

    SBI Magnum Midcap Fund (G)

     

     

  112. Satpal says:

    Hi Sir

    I am new for share market. I purchased Sbi Emerging Business Fund(G) 3000/-month by a broker Is that ok?

    i want to invest 6000/-month  for 5-6 yrs  plz suggest me which Funds r better 

     

    Thanx 

    Satpal

  113. Arpitha says:

    Hi Suresh,

    Many thanks for this article. 

    I am planning to do SIP investments of 6k in 3 mutual funds. I have plans to invest in 1 MF for 2-3 yrs and remaining for more than 5 yrs. Please recommend good mutual funds which serve this purpose.

     

    • Suresh KP says:

      Hi Arpitha, I do not advice you to invest in 2-3 years time frame in mutual funds. You may have limited scope of getting higher returns. If you want to invest for 4-5 years, invest in HDFC balanced fund or ICICI balanced fund. If you want to invest for 6 to 8 years, invest in ICICI focused blue chip fund or HDFC Top-200 or Birla SL Frontline fund or Quantum Equity fund etc.

  114. Manoj Jain says:

    Hi i m totaly new investor .
    I cn invest upto 10000/-per month in mutual funds plz help out and sugget some funds .

    • Suresh KP says:

      Hi Manoj, Consider taking atleast 5 funds in large cap segment, mid-cap and balanced category. You can look for HDFC Top-200, ICICI Focused blue chip fund, Birla SL Frontline equity, HDFC Mid-cap opps fund, HDFC prudence fund and ICICI balanced fund.

  115. suresh says:

    Hi  Suresh ,

     

    This is suresh. I am planing to invest  amount  around 10,000 up to 4 to 5 years in sip wise.could you please let me know what is the best fund to invest.

    Thanks in advance

     

     

    • Suresh KP says:

      Hi Suresh, if you are planning only for 4-5 years, invest in HDFC Prudence fund or ICICI balanced fund.

      • suresh says:

        Hi Thank you for your advise, gone through your prevous posts and i selected few below funds  to invest 7 to 8 years. plz let me know these are good funds or need to chnge any fund.

        Birla Sun Life Frontline Equity Fund   – 2000
        HDFC MidCap Opportunities (G)    -     2000
        Reliance Equity Oppor – RP (G) Buy  - 2000
        Quantum Long-Term Equity Fund (G) – 2000
        HDFC Prudence Fund (G) Buy Online – 2000

         

  116. ashok says:

    Dear Sir,

    i am an NRI working in Gulf Aged 39 yrs.

    i wish to invest in mutual funds in SIP mode in 5 funds around 3000 each for 3 yrs. i  will hold for 5 to 7 yrs.

    kindly advice me some good mutual fund schemes which can give me good returns.

    i have life insurance policies, term insurance, FD in bank, medical insurance.

    Thanks,
    A S Ashok-

  117. Nilesh says:

    Hello,

    As I told u earlier I confirmed from kotak DAT they don't provide quantum MF.

    What is difference in large cap and equity diversified funds?which gives gud returns?

    I have following funds

    Icici pru focused bluchip,axis equity and bsl front line equity.Please suggest one gud large cap(other Dan quantum) and equity diversified MF?

    Also how's franklin India smallcos fund in current market condition as its smallcap?Is it ok if I would start sip of 2k in same ?

    Thank u

    • Suresh KP says:

      Hi Nilesh, Surprised that Kotak does not offer Quantum MF schemes. Diversified includes all companies large cap, mid cap and small cap companies. Large cap invests only in blue chip companies. Go for ICICI Frontline which is good. Franklin smaller company is small cap fund. Invest if you are high risk investor. 

  118. Jia says:

    Hi Suresh,

    to begin with shall I start the sip of 1k in Franklin India Smaller companies fund, growth option?

  119. LOKESH says:

    HI SURESH I HAVE TWO SIP 1. ICICI DISCOVERY FUND (G)- 1000/PM
    2. HDFC EQUITY FUND(G) – 1000/PM
    I ALSO WANT TO INVEST OTHER 2 SIP KINDLY SUGGEST MY TIME FRAME IS 15-20 YEARS

  120. Sampath says:

    Suresh Garu,

    I am Software engineer, age 35 years, entered into MF a month ago and have alot of questions.

    1. Which is the best method of SIP; offline or online(through demat account) for a period over 15 years?

    2. Can I call the AUM customer care and request them to stop SIP if at all I does not want to continue?

    3. I have already started investing (on my spouse name) offline SIP in the below 6 MFs 2000 per month for a period of 26 years.

    1    Axis Equity Fund – Gr
    2    HDFC Mid Cap Opportunities Fund – Gr
    3    ICICI Prudential Focused Bluechip Equity Fund
    4    IDFC Premier Equity Fund – Regular Plan – Gr
    5    Reliance Banking Fund – Gr
    6    Reliance Pharma Fund – Gr

    4. Which is the best DP / Trading account?

    Looking for your valuable avdvice.

    Thanks in Advance

    - Sampath

    • Suresh KP says:

      Hi Sampath, If you have little patience, you can do KYC formalities and you may need to track your mutual funds seperately with mutual fund houses and DIRECT option is best. You can get 1% to 2% higher returns compared to regular plans. Otherwise, please go through your demat account only. Yes, you can call customer support and cancel SIP. You have chosen good funds. Stay invested. There are several demat account brokers. It depends on your requirement. If you are not a trader, but only investor, you can look for ICICIdirect.com

  121. Sanket says:

    Hi Suresh,

    First of all I would like to thank for this great article of yours. Now coming to the point, I am new in mutual funds investment and my current investment capacity is Rs 1000 per month. Can you suggest me How do I start investing in mutual funds and which mutual fund would be best for me nowadays for 3-5 yrs with Good returns.

    Waiting for your reply. Thanks in advance.

    • Suresh KP says:

      Hi Sanket, Good to know that you are interested in investing in mutual funds. First, approach any mutual fund broker like ICICIdirect or fundsindia and open the account. Once you open the account, start investing in balanced funds like ICICI Balanced fund or HDFC balanced fund to start with. You can invest as low as Rs 500 in such schemes. Pls read mutual fund articles on this blog, gain knowledge and start investing in equity funds for long term.

  122. Govind Mishra says:

    Hi Suresh,

    I want to invest 10k/month on SIP. My age is 35 years. I have started investing in MF from Last year. I currently have Rs. 2000/Month SIP of HDFC Top 200 (G).

    Please advise funds to invest in with a horizon of 10-15 years where i can get good returns. I have a Moderate Risk Appetite but with current market scenario want to keep at least one Small and Mid Cap fund considering its anticipated high returns in next 4-5 years. if you suggest so.

    thanx

  123. mahavir says:

    Hi Suresh,

    I have SIP in icici pru focussed bluechip regular (g) –2000 p.m I want ot invest 3000 more in large cap. should I invest in same fund's direct plan  icici pru focussed bluechip direct plan(g) ,or same regular fund at different date or invest in ICICI top 100 direct plan ( G)? any pointers will be helpful

    rgds

    mahavir

  124. arjun says:

    Hi suresh,

    thanks for providing good info on MFs. Based on your recommendations. I have zeroed in on following funds for SIPs :

    birla SL infrastructure fund — 1500
    ICICI pru dynamic fund – 2000
    Franklin india smaller companies fund — 2000
    icici top 100 mutual fund — 2000
    hdfc balanced fund — 2000
     

    Please let me know if these are fine.

    • Suresh KP says:

      Hi Arjun, Good funds. However your portfolio is more towards sector, mid-cap (60%). If you are high risk, ok, else invest more towards large cap funds.

  125. Ritesh Kumar Sahani says:

    Hey Suresh ,

    I'am new in SIP MF investment and started investing with below mentioned funds , need your advice for undermentioned funds which i started and also want to know for futher funds i may opt.

    1) Reliance Equity Opportunity Fund (G) : 1000/- pm

    2) Franklin Blue Chip (G) : 1000/- pm

    3) HDFC Top 200 Fund : 1000/- pm

    An Also want to know expected growth of the above opted funds

     

  126. SATYAJIT says:

    Hi, I am planning to invest about 5000(2*2500) PM in SIP and shorlisted below funds for investment. Kindly suggest the good ones for good return by 3 to 5 years of investment..

    -SBI magnum midcap fund

    -HDFC top 200

    -ICICI pru tech

    -HDFC Equity Fund

    -HDFC Balanced fund

    -ICICI pru value discovery 

    -FT India Federal frankline

  127. Jia says:

    Hi, Suresh

    I want to start with the sip of 2000 monthly for 10 to 15 yrs, could you please suggest me which mutual fund would be better for me as I am a moderate risk taker.

    • Suresh KP says:

      Hi Jia, If you are moderate risk taker, invest in large cap funds like HDFC Top-200, Birla SL Frontline and ICICI Pru Focussed blue chip fund etc.

  128. Kunal says:

    Hi Suresh,

    My father ihave invested in 5 SBI MF schemes as following.

    SBI Magnum Equity Fund – Regular Plan – Dividend
    SBI Contra Fund – Dividend
    SBI Contra Fund – Direct Plan (D)–    2000 p.m.
    SBI Magnum Multiplier Plus Scheme 93 – Regular Plan – Dividend    
    SBI Magnum Tax Gain Scheme – Regular Plan – Dividend

    Can you suggest from which schemes should we switch and in which scheme we should invest?

    • Suresh KP says:

      Hi Kunal 1) SBI Magnum Equity fund is average scheme 2) SBI Contra fund is avg scheme 3) SBI Magnum multiplier plus is good scheme, stay invested 4) SBI Magnum Tax Gain Scheme is also avg scheme. Please switch to better schemes and you can look for good funds which I have recommended on this article.

      • Kunal says:

        Suresh,

        Thanks for reply.

        I want to switch in from funds you mentioned earlier.So, in Which SBI fund should I switch???you mentioned SBI Pharma fund here but, i dont want to switch in sector based.
        So,Plz suggest some good funds in SBI itself.

        and I have one more query, 
        on an average good ELSS funds are giving very high returns.So, is it good to invest in ELSS inspite we have overcome 80C limit.?? Suggest good funds,too.
        What is disadvantage in ELSS??

        Thanks in anticipation.

        Regards,

        kunal

  129. Vasu says:

    Dear Suresh,

    Happy to see you guiding amature investors like me. I'm little conservative and don't want my money to go for a toss. I have other insvetment areas but would like to start  a SIP [for 3-5 years, 5k p.m] and so planning to start it with the following with FundsIndia,

    Scheme                                                                          NAV              Amount

    ICICI Pru Focused BlueChip Eq Fund-Reg(G)   24.3200          1,500.00    
    UTI Opportunities Fund(G)                                     40.1786          1,000.00    
    Birla SL FRF-Long Term Plan(G)                         155.6947         1,000.00    
    IDFC Dynamic Bond Fund-Reg(G)                        14.9382         1,500.00    

    Could you please guide me?

    Regards,

    Vasu

     

    • Suresh KP says:

      Hi Vasu, I would advice you to make small changes in your portfolio 1) ICICI Focussed fund and UTI Opps funds are good 2) Birla SL Floating fund and IDFC dynamic bond fund could be used for short term and by conservative investors which matches your risk appetite. Alternatively you can look for balanced funds like HDFC balanced or ICICI balanced funds. 

      • Vasu says:

        Thanks, Suresh! Just wanted to understand more on this.

        Since, I'm starting for the first time and to match my risk profile should I go with

        (Birla SL Floating fund and IDFC dynamic bond) OR HDFC/ICICI balanced fund only for short term say 3-5 years?

        Regarding ICICI Focussed and UTI opps, for short term[3-5 years] can these be combined with either one of the combinations as mentioned above?

  130. Ankit says:

    Hello again Suresh,

    I want to invest 10k in SIP for around 1 year (for some purpose, rest I am investing for long term in ICICI focused bluechip, BSL frontline equity direct, ICICI balanced fund). I am fine with taking risk and investing in equity. I am not sure whether I should invest in pharam and IT sector now because rupee is going to depreciate and which may affect the performace of this funds, can you please suggest which can be the best 2 funds to invest for such a short period of time (though its recommended to invest in SIP for span of 1 year).

    Thanks much,

    Ankit

    • Suresh KP says:

      Ankit, Pharma or Technology funds are not good for short term of 1 year. You can look for infrastructure funds, however it is high risk. Pls see my latest article on this subject. 

  131. Nimisha says:

    Thank you for very useful information on mutual funds. The performance of mutual funds can be judge by the risk adjustment returns. To calculate the risk, the monthly and weekly returns of a fund are compared with the monthly risk free returns for hybrid and equity funds.

  132. Manu says:

    HI Suresh, 

    I am new to SIP & is very keen to invest in it. To start with it, i like to invest Rs. 5000 every month and want to choose medium risk & want returns in almost 10 years.

    Kindly suggest me some good SIPs to start with.

    Thanks in Advance.

    Regards

    Manu

  133. suresh kumar says:

    I would like to invest Rs. 150000 in monthy SIP for one year.  Which are the funds you suggest?  Can I invest in all the funds that you suggested for 2014?

  134. FEROZ says:

    my child marriage saving fund in long term 20 yrs i invest SIP Rs.1000 * 2 funds after 20 yrs approx 20 lakhs return.Which best plan fund ??

  135. Dr.Subrata Saha says:

    Dear Suresh,

    I am regularly watching your blog for last 2 years. You are doing excellent job for all of us. Recently I have redeemed most of my equity mutual funds to book profit. Now I wish do start reinvesting in equity funds in SIP (monthly total approx 50 K). I have short listed following funds for SIP investment:

    BSL Top 100

    UTI MNC

    ICICI Focussed Bluechip Equity

    Franklin India Smaller Companies

    BSL Long term advantage fund

    One infrastructure fund- ?Birla Sun Life  ?Sahara Infrastructure  ? Escorts

    Please give your valuable suggestion.

    Kind regards.

  136. Riki says:

    I would like to invest for a long term (Atleast 10 years). If I invest Rs.1000/- for each SIP mentioned by you So it would become monthly Rs.10000 for ten years.

    So how much apporx. amount i can expect after ten years?

    Please give me sone roghly idea. Looking forward to hear from you.

     

    • Suresh KP says:

      Riki, If you invest Rs 10K per month, your capital after 10 years would be Rs 14.4Lakhs and with 13% approx average returns, the fund value would be approx Rs 25 Lakhs

  137. Kumar Vaibhav says:

    Hi Sir,

    I have been following your Blog CAREFULLY, investing 1000 per month in SBI Magnum Global Fund-Growth, 2000 per month in HDFC (RD), and want to invest another 2k per month.

    I would like you to suggest where should I invest?

    Thanks in Advance!
    Vaibhav

    • Suresh KP says:

      Hi Vaibhav, Invest in large cap funds like ICICI Pru focussed fund or Quantum long term equity fund etc.

      • v.sudhakar says:

        hi suresh ji

        congrats for the fantastic website and ur work on educating finance through d website

        i invested around 1.4 lakhs in reliance growth for the past 6 years ( present value app 2.15 lakhs)  . i want to continuereliance growth for further 5 years, further i invested 31000, in magnum multiplier (present value 60000). recently one month before i started sip 2000 each in icici dynamic,axis equity,hdfc midcap opp, franklin india smaller companies and 3000 in icici tax plan. i want to invest further 6000 via sip in some high return high risk fund pl suggest some funds

        • Suresh KP says:

          Hello Sudhakar, You have invested in some of the good mid-cap funds which can help you to earn good money. You can start looking at infrastructure funds. See my analysis tomorrow. Also looks there are no large cap funds in your portoflio, try investing in ICICI focussed blue chip fund, HDFC top 200 and Birla SL Frontline funds etc…

  138. Sutanuka says:

    Hi,

    I want to make investment in the share and trading.Can you please suggest if online trading is better or should I go with investing in debt linked MF.In that case,is SIP better than one-time investment?
    As frankly speaking I want to go with one time investment.Also from the risk perspectibe,since I am new/beginner in this field I will not be very much comfortable with high rish MF.

    • Suresh KP says:

      Sutanuka, My suggestion is you should invest in mutual funds. Don’t do one time investment in mutual funds or stocks as they would screw your returns. If you are beginner, you can look for debt funds and balanced mutual funds.

  139. arjun says:

    Hi suresh,

    i want to invest in one large cap and one diversified fund as SIP. large cap 3000/- diversified 2500/-

    which one should I slect among the below two funds.

    large cap:

    icici top 100 equity fund
    quantum long term equity fund

    diversified:

    icici pru dynamic plan
    uti mnc fund

    thanks

  140. Santosh says:

    Hi Suresh,

    Currently i have some invest ments n reliance pharma 5k , SBI phrama 4k , SBI FMCG 1k funds through SIP  for long term . SHould i keeep continuing those or quit ?    Pharma sector doesnot seem to be doing good.,

    Also have a SBI gold etf SIP and i understand gold proces are also falling down , is it advisable to stay invested

    regards

    Santosh

     

     

    • Suresh KP says:

      Hi Santosh, All sector funds like FMCG, Pharma are going down. You need to watch for some more time and exit if required. Regd Gold, yes there is prediction that it would still come down. If you are long term investor, it is good opportunity to invest at lower levels. Start investing as and when you see dips in Gold.

  141. Jia says:

    Hello Suresh,

    I always go through your updates and hats off to you for all your dedication and support to people like us. I would like to ask you that I want to start SIPs. Could you please tell me which MFs will be suitable for me which will yield appreciable returns in 10 to 15 years?

    • Suresh KP says:

      Hi Jia, Thank you. What kind of investor you are ? If you are medium risk investor, invest in large cap funds and balanced funds. If you are high risk to medium risk investor, add mid-cap funds too. If you are low risk taker, invest in balanced funds. If you do not know your risk appetite at this moment, invest equally among all these 3 categories as of now and you can fine tune lateron. 

  142. Sushil says:

    Hi Suresh,

    First of all thank you for putting this effort. This is the first article I read in your blog and I am amazed. Keep up the good work ! :)

    I am new to MF and looking forward to invest for long term ~15/20 years and mid term ~3/5 years as well . My monthly budget is 10k, how I supposed to distribute among different risk factors and cap values to get maximum return. Will be very helpful if you list some plans with distributuon. 

    Thanks,

    Sushil

     

    • Suresh KP says:

      Thank you Sushil for your encouraging words. Invest in large cap, mid-cap/small cap funds for long term investment. For medium term of 3 to 5 years invest in balanced funds. You should decide how much money you require for medium term. Say if you need Rs 1.50 Lakh in next 5 years, means if you invest Rs 2,000 per month for 5 years this would translate to Rs 120,000 (approx). With returns,you may achieve this amount. So you should invest Rs 2,000 per month in balanced funds. Balance invest in other funds. You can invest 60% in large cap and 40% in mid-cap/small-cap funds. 

      • Sushil says:

        Thank You Suresh :)

        I read one of your old article "6 reasons to invest in debt mutual fund" and somewaht concluded to invest in debt fund. Below are the Crisil Rank 1 (as per moneycontrol) long term debt funds of current year. I am looking for a long term investment of ~15/20 years with 2K/Month(this is dynamic) to start with for long term of ~15/20 years as a part of my retirement money. For long term with the least risk  and decent return debt fund is a preferable choice. Please advice whether my understanding is right.  If yes which one should I prefer, even though its not part of the list.

        Reliance Dynamic Bond (G) 
        BNP Paribas Flexi Debt – RP (G)  
        Tata Income Fund (App.) 

        Thanks,
        Sushil

        • Suresh KP says:

          Sushil, Yes these are good funds. My suggestion is don’t just depend on debt funds, this is one place to invest for low risk. You can even chose balanced funds if you investmetn horizon is 15-20 years. 

  143. JAGADEESH says:

    Hi., 

               I'm NRI Investor., But Some Fund i'm Using Resistant Invseting., 

    I Would Like ask u Which Best Mutual Fund ., I'm  One Time Investment Like it., 

    Give Best For 5 Year – 1 Time Invesment 

                          3 Year – 1 Time Invesment

                         10 Year – SIP Invesment or 1 Time Invesment

                         18 Year – SIP Invesment ( Child & Eduction )

                          25 Year – SIP Invesment ( Retired Plan )

     

    Which is the Best Mutual Fund For Me ., Thxs.,

    • Suresh KP says:

      Jagadeesh, Mutual funds provide good returns only if you invest thru SIP as market fluctuations would be taken care. I would not advice you to go for lump sum investments in mutual funds. Regd SIP for 10 to 25 years, you can invest in any best mutual funds in India in large cap, diversified funds, mid-cap/small-cap and balanced funds. You can pick the funds which I indicated here. 

  144. Hemant says:

    Hi Suresh,

    Thanks for the list its very useful. I am 25 and a beginer in the SIP. I want to Invst in both High risk & Medium risk High return INR 1000pm for lng term (at least for nxt 10yrs). Kindly advise on same.

     

    • Suresh KP says:

      Hemanth, Since you are beginner, start investing in balanced funds like ICICI balanced fund or HDFC balanced fund and in large cap funds like HDFC top 200 or ICICI pru blue chip focussed fund. Understand how various MF’s work and then you can invest in variety of funds

  145. ravishankar says:

    Hi Suresh ,

    I have been following you Blog for Some time , the ideas are great. I am person with 35 Yrs and have around 5L in FD and 50k in MF and 30k In Equity.Currently Having 4 SIP's average saving /month 5000 -7000 after meeting the expenses .

    Need your suggestion to meet  the below requirement

    1) retirement 2) kids education 3) take care of parents 4) own house 5)car

    Please suggest

    Raj

     

    • Suresh KP says:

      Hi Ravi, My mantra is only one thing. Plan should be plan, it should not be different for various financial goals. The only criteria is it should be for longterm. Keep investing money in mutual funds through SIP. Look for large cap funds for long term where you can plan for your retirement and kids education. Since you are at 35 years, you can take some risk. You can invest in IPO’s for short term of 1 to 2 years and make money. Keep watching my blog, where I recommend good IPO’s. Finally, if you are looking for fixed income, you can invest part of your investments in bank FD’s. 

  146. Sunil says:

    Hello Sir,

    I have followed through all your advices and sugestions. Thanks a lot for your valuable advices to lot of people. You have been very patiently explaning on each and every aspect which is very appreciable. I would like to kindly request you to provide me information on expense ratio. Does the expense ration of a mutual fund keeps changing often? I mean does it increase or decrease often? if it changes often then what would be the frequency? I am investing in the following funds , can you also please let me know if i need to discontinue from any of the funds or change the allocated amount of money? i have been investing since 1 year in all these funds.

    L&T Global Real Assets Direct-G  (investing in this fund due to less expense ratio (1.02%) and management fee .75)  - 2000
    ICICI Prudential Technology Fund (G) – 2000
    ICICI Prudential FMCG (G) - 2000
    ICICI Prudential Exports and Other Services Fund (G) - 2000
    SBI Pharma Fund (G) - 2000
    UTI Transport & Logistics (G)- 2000
    Axis Long term Equity Fund (G) - 2000
    Franklin Infotech Fund (G) - 3000
    Reliance Small Cap Fund (G) - 3000

    It would be very great if you could kindly provide your valuable suggestions/advice.

     

    Kind regards,

    Venkat

     

    • Suresh KP says:

      Sunil, Thanks for your comments. a) Expense ratio would remain constant for medium term. However it may change sometimes due to strategic decisions by the MF house b) Your portfolio is high risk investment 1) ICICI Pru tech, ICICI Pru exports, Franklin Infotech are technology funds and currently they may see downturn. You may watch them closely and exit appropriately if required 2) FMCG sector is not doing good, you should look at investing in Pharma sector instead. You may exit ICICI FMCG 3) UTI Transport and log is good, stay invested 4) Axis long term fund, good fund 5) Reliance small cap fund is good fund. However due to market boom, all small cap and mid cap stocks zoomed. You should watch them carefully. In case of market fall, these are the ones which would hit badly. Last one is about L&T global real estate, is international fund, good, but high risk. Consider the risk involved and stay invested.

  147. krishnan says:

    hi suresh , my current allocation is as follows in SIP:

    hdfc top 200 direct growth – 1000

    hdfc prudence direct (g) – 1000

    icici pru focussed blue chip regular (g) -2000

    uti equity opportunities reg (G) - 2000

    idfc premier equity reg (G) -2000

    icici value discovery fund reg (G) – 1000

    reliance equity opportunities direct (g) -1000

    sbi emerging businesses direct (g)  -1000

    canara robeco equity diversified (g) – 2000

    please let me know if the above are fine or should I modify. I am ready to invest 10K more  please suggest if I should look for new funds..I am thinking of quantum equity fund, uti mnc fund,frnaklin smaller companies fund.

    • Suresh KP says:

      Hi Krishnan, Surprised that you are investing in top funds. Keep investing in such funds. Regd second query, all 3 are good. However I would prefer quantum equity fund as this is large cap fund. You can look to invest in 3 if you want to invest 10K more

  148. Atul says:

    Hi Suresh ,

    I am regular reader of your blog and starting investing in Mutual Funds two year ago after reading your blog . I am doing SIP of Rs 2500/- pm in SBI Emerging buisness Fund since July 2013 as the rating was good at that time. However as per money control this fund is average performer and rating has slipped to 5 place in its category. Pls tell whether i should continue /exit/switch to other funds.

    Kindly advise me in this regard and tell me name of other funds in case i want to switch my portfolio.

    Regards

    Atul

     

    • Suresh KP says:

      Atul, I understand your concern. Crisil rates the funds on various parameters. If you see this scheme still gives good returns. You can stay invested.  You can invest any of the funds indicated in this article.

  149. Subbu says:

    Dear Suresh,

    I have invested in FTI India Feeder Franklin US Opport Fund Growth and the NAV is on the declining trend. Should I continue or to exit. Also suggest me which are the best mutual funds as I have a corpus of Rs.50000

     

    • Suresh KP says:

      Subbu, Like I said in my earlier articles, IT sector is over valued. You would see fall in IT stock prices and your MF returns too. If you are investing thru SIP, my suggesiton is to stop them for time being. You should wait and watch in case this sector is going to take a U turn and give profits in near future. For lump sum, pls invest in ultra short term funds and liquid funds. Once market stabilise you can switch to large cap funds.

  150. Rajeev Sharma says:

    Hi 

    I am 40 yrs old kindly review my portfolio created 3 months back.

    1. ICICI Pru blue chip: 7000/=

    2. Mirae emerging opp : 5000/=

    3.ICICI Tech: 5000/=

    I wanto start 3 more SIP in Hybrid , Small and mid cap and Large and mid cap.

    Please adive whether this looks good altogether.

    Thanks 

    Rajieev

    • Suresh KP says:

      Rajeev, Here are my comments 1) ICICI Pru focussed blue chip fund is good 2) Mirae emerging opportunities – I could not find this this scheme. Please give complete details 3) ICICI Tech – Technology sector is in downtrend. You should exit or wait for some more time to recover losses (if any). My suggestion is to wait for some time before making any fresh invesmtent. You can look for HDFC Mid cap opportunites or Reliance equity opps fund in midcap/small cap sector.

  151. Nilesh says:

    Hello suresh,

    In my dmat portal quantum fund is not available?can u suggest any other strong fund?

    I have icici focusd blue chip,bsl front line equity and axis equity

    Should I add any mid and small cap funds?please suggest some funds?

    How must be the proportion of large,mid and smasll cap funds in moderate risk portfolio?

    Thank u

    • Suresh KP says:

      Nilesh, Surprising to note this. Quantum long term equity fund is one of the best fund, you are missing something. Check with your mutual fund broker. You can add mid-cap, however they are high risk. You can look for HDFC mid-cap fund or reliance equity opps fund

  152. Avishek Das says:

    Dear Suresh.

    Excellent evaluation & explanation on Fiancial strategy. I am new to MF Investment & looking to start SIP in MF. First I want to invenst 2k-3k . So plz suggest where & how many to invest in each.

    Avishek Das

  153. Rahul says:

    I am a regular reader of your site and love the way you guide common people with financial know how. I have a query regarding sip. Is it a good time to start sip, since stock market is very high now? I am a moderate to high risk taker. I want to sip in 3 funds with moderate, semi moderate and high risk. what funds will be best for me.
    thanks and happy summer

    • Suresh KP says:

      Thanks Rahul. If it is bull run or bearish market, you can invest in mutual funds thru SIP. However since markets are at peak, you should increase your SIP amounts over a period of time to get good returns. You can look for ICICI Pru focussed blue chip, HDFC mid cap opportunities funds and ICICI Balanced or HDFC balanced fund. I am suggesting now which are large cap, mid-cap and balanced category. You should add some more funds in coming 6 months to 1 year based on market situation.

  154. Rick says:

    again an excellent analysis from you. I need your suggestion in Sip. I want to sip in 3 funds (1000 each). Investment horizon 4-6 year. Risk tolerance very low. please suggest 3 best fund suitable for me.
    Thanks and regards

    • Suresh KP says:

      Rick. Thanks. You can look for balanced funds and debt funds such as ICICI Balanced fund, HDFC balanced fund and SBI Dynamic bond fund etc. These are for medium to low risk appetite investors.

  155. arjun says:

    Hi Suresh,

    i am investing in icici pru focussed blue chip, uti equity opportunities and canara robeco equity diversified fund and reliance equity opportunities fund. could you please suggest me some more diversified and large cap fund where i can do a sip for long term.

  156. Ankit says:

    Hi Suresh,

    First of all thanks for the sharing the in-depth knowledge of mutual funds, it cleared some of myths too. I want to invest 12K/month in SIP (not the tax saving SIP as I am already utilizing the section 80C through PPF), also I am having one existing SIP of Birla sun life frontline equity fund (of 2k which I openend last year) whose performance seems to be pretty well (though the stock market rising well may be primiary reason behind it), so can you please suggest me the SIP/SIP's (from "Birla sun life" and "ICICI") which I should invest another 12K seeing the market state right now.

    Thanks much,

    Ankit

    • Suresh KP says:

      Hi Ankit, Thanks for your comments. Since you are preferring from two MF AMC’s, you can invest in ICICI Pru Focussed blue chip fund, ICICI Balanced fund, Birla SL Gen next etc.,

      • Ankit says:

        Thanks again for your precious advice. Can you please also suggest me the amount should I invest in each of them or if I should invest the total amount in single fund only. And if possible please let me know your view if I would havn't opted the ICICI and BSL AMC's, can it make the substantial difference if I goes for other AMC?

        • Suresh KP says:

          Ankit, Invest in 5 to 7 funds so that in case any fund is not performing, you can make out in other. You can look for top funds which I am recommending on this blog.

  157. SURENDER says:

    I am surender . i am 25years of age. i have  been investing in

    canara robeco equity diversified 1000/month  

    canara robeco equity tax saver 2000/month

    canara robeco ;arge cap+ 1500/month

    franklin blue chip 1000/month

    franklin tax shield 2000/month'

    reliance pharma fund 1000/month 

    all for 5 years period. kindly review my funds.whether all funds are going good or need to switch from any fund. kindly reply

    • Suresh KP says:

      Hi Surender, You need to change your portfolio and see my observations 1) Canara robeco large cap is below avg performer, please exit 2) Canara robeco equity diversified – average – You can stay investd, but look for better funds 3) Canara robeco tax saver – Good fund, stay invested 4) Franklin india blue chip – Good – Stay invsted 5) Franklin tax shield – Good – Stay invested 6) Reliance pharma is good fund – however high risk high return fund – Keep a watch and exit appropriately. Looks you are concentrated only in Canara MF and Franklin MF’s. Try investing in variety of large cap funds like ICICI focussed blue chip fund or Birla SL or Quantum LT equity fund. You can also try hybrid funds like ICICI balanced fund or HDFC balanced fund.

  158. Anamika says:

    Hi, I want to invest in SIP for shot term perid of say, 1 year with monthly amount 5K. Kindly suggest which SIP plan i should go for.

    • Suresh KP says:

      Anamika, Do not invest in mutual funds for 1 year. You would regret later. you should look for mutual fund investment only if you can wait for atleast 3 to 5 years minimum. Otherwise you should invest it for 8 to 10 years to get good returns. If you still prefer for 1 year, my suggestion is you go for recurring deposit.

  159. Nilesh says:

    Hello Suresh,

    I'm thoroughly follow ur blog.In my 29th April query I asked about IDFC premier equity fund where u suggested DAT this fund is not doing well.Hence I changed my plan and started SIPs wid other funds.Now In one of us yesterdays reply u are saying DAT this fund is good and doing well.See u r financial person hence we trust u and give thought on ur suggestion before making decisions.Please clarify on this issue asap.

    Thanks

    • Suresh KP says:

      Hi Nilesh, Sorry for the confusion. I am not saying this as bad fund. 1) In case you have already invested, stay invested 2) In case you are planning to invest in this, you can look for better funds in mid-cap fund. 

      • Nilesh says:

        Ok, Thanks Suresh for ur suggestion.

        As per last discussion I started SIP last week as follows,

        ICICI Pru focused blue chip 4k

        Axis equity 4k

        BSL front line equity 3k

        Is this portfolio ok?

        I wish to add one more fund.Please suggest.

        Thanku

  160. danya says:

    hey…i m thinking of investing around 50k for a minimum of two years in mutual funds…should i go for sip? if so why?

  161. arjun says:

    Hi suresh,

    I am a follower of your blog. In one of your recent replies to some queries you have mentioned that IDFC Premier Equity hasn't been performing well and if required stay away from this kind of fund. Howvere in your blog for investmenets in 2013 , IDFC Premier Equity features as one of the recommended fund for sIP. I have been investing in same since last 8 months Rs. 2000/-. should I stop this sIP and start in some other midcap fund if this is not performing well ( although I am not in loss may be due to current market peak)?

    • Suresh KP says:

      Arjun, I am not able recall any such advice not to invest in IDFC Premier equity fund. You should stay invested. Pls inform where you have such query, I would correct it.

      • arjun says:

        hi suresh,

        in your reply to Nilesh on April 30,2014 , you mention "funds selected by you are good except IDFC Premier equity which was not doing well for sometime….you can check and aviod such a fund…" anyways as you say I will stay invested.

        thanks for confirming

         

        • Suresh KP says:

          Arjun, I just clarified this to Nilesh too and corrected my statement too. If you have already invested, continue investing. However if you want to enter newly, you can look for other funds too.

  162. Ronak says:

    Hi Suresh,

    Thanks for your advice on Mutual Funds. I’m a 24 yr old male working as a salaried employee in IT.Would like to start investing in Mutual Funds.

    I want to invest for short period of 3-5 years in Equity Linked Savings Scheme (ELSS) which would give me tax benefits under 80C. It would be great if you can suggest from past experience and future expectations some good orgs which are performing well under ELSS.

    Thank you in anticipation,

    Ronnie

    • Suresh KP says:

      Ronak

      Good to hear that you want to save some money at your age and it could attribute to tax savings too. See this article where I specified best mutual funds in ELSS category. You can select any funds for the period of 4-5 years. Also my suggestion is you should invest atleast Rs 1K to Rs 2K at this age for long term of 15-20 years in any of the top large cap funds where you can create good wealth. Since you are staring investment at less age, these small amounts can create large wealth for you. If you invest Rs 1,000 per month for next 20 years, your investment can be Rs 2.40 Lakhs whereas your mutual fund amount which may expect @ 15% returns could be Rs 15L approx. This is the power of mutual funds. What happens, if you create several such Rs 1,000 SIP’s year on year ?

      • Ronak says:

        Hi Suresh,

        Thank you for your response.I’ve read through your article for top 5 ELSS Schemes.But, i see that the article you’ve suggested was published in Nov ’13.Can you provide any update to the current performance of the schemes you had suggested back then.Wish to know if there have been any ups/downs in past 5 months.

        Regards,

        Ronak

  163. Nilesh says:

    Hello,
    I wish to invest 40k in total monthly.How much %should go in equity?
    Iam planning SIP worth 15k from next week thru Kotak demat for long term as follows
    Icici prudential focused blue chip 6k
    UTI opportunities 5k
    Idfc premier equity 4k
    In current high market situation are these funds and respective amounts ok?
    Should I add one more fund deciding same amount?If yes which MF to add?
    In future can I move these SIPs from demat to direct AMC?

    Thank u

    • Suresh KP says:

      Nilesh, Investment portfolio in equity depends on your risk appetite. If you are high risk investor, invest 80% in stocks, high risk high return mutual funds etc. If you are medium risk investor invest upto 60% and so on. Funds selected by you are good. In this category of mid-cap and small there are other good funds like Franklin India smaller cos fund, HDFC midcap opportunities fund etc. You can check and invest in such funds…. Regd last question, you cannot shift your existing mf units to direct. You can cancel your existing SIP and create new SIP for direct funds.

  164. arjun says:

    Hi Suresh,

    I wnat to get rid of following funds in which i hav ebeen investing since last 3 years. through sIP. since the market is high I wnat to book profits and exit

    HDFC top 200 -dividend
    HDFC Prudence fund -dividend
    DSP balck rock top 100 -dividend
    SBI emerging businesses fund -dividend

    pls let me know which of the above should I exit. also suggest some gorwth funds where I can start sIP.

    • Suresh KP says:

      Arjun, Not sure why do you want to get rid of such good funds. You can do it as per your wish. HDFC Top-200, Prudence and SBI Emerging is what I would personally perfer to retain in my portfolio. Invest in top funds which I recommended in this portfolio.

      • arjun says:

        Hi Suresh,
        Agree that these are good funds . However sicne these are dividend plans I do not see much capital appreciation here.Also sBI emerging businesses -direct – (d) hasn’t declared any dividend since last 2 years.I already have growth option plans for these funds – SIP route and will continue with them.

  165. anupam khare says:

    Sir,
    What is the procedure of DIRECT investment rather than going through a agent/agency.
    What documentation is required for the same.
    Thanking you in anticipation

    • Suresh KP says:

      Anupam, You need to consult the mutual fund house website directly and do KYC. This is the major process. Otherwise it is very simple. Pls log on to any mutual fund house website and it would guide you the process.

      • anupam khare says:

        Thank u sir for ur guidance.
        If i shift from regular sip plan to direct one after 1 year then wat is d procedure & will there be any exit load for the same? How can i keep track of my sip financial status in a direct plan?

        • Suresh KP says:

          Anupam, You cannot shift from regular SIP to Direct SIP. Though the funds are same, these are treated as two different funds and two different NAV’s are provided by mutual fund house. Direct plan would have “Direct” indicated in the scheme. Exit load would be for less than 1 year redemptions for 1% of NAV. When you visit MF house website they would provide relevant login details and folio number. With this you would be able to view the transactions online and track the same. 

          • anupam khare says:

            Thank you again for ur valuable advice sir,
            For direct investment should i approach fund house in person or do it online?
            What is the difference in in-person approach & online investment.M asking as i am doing direct investment for d first time.
            Also whether sip & sip plus form one & the same for icici mf?
            Thank you

          • Suresh KP says:

            There is no in person approach. This can be done online.

          • anupam khare says:

            Sir,
            Is it mandatory to have internet banking activated for online investments? If yes, is it safe?
            Regards

          • Suresh KP says:

            Anupam, These days it is very easy and safe to use and invest through online. You may need to take some precautions while using it. Safeguarding ID and passwords and not storing them anywhere on the interest like mails etc. are some of the basic things.

  166. Vikas Thorave says:

    Hello Suresh Sir,
    I’m investing in ICICI PRU BLUECHIP & UTI OPPORTUNITY fund through SIP. Now I want to stop investing in one of above fund please tell me in which fund I will stop investing. Thanking you.

    • Suresh KP says:

      Vikas, Both are good, however UTI is unique fund and keep exploring opportunities for investment. Hence compared to ICICI Pru blue chip, the performance of UTI would depend on fund manager strategy. If I am in your place, I would rank ICICI Pru blue chip as 1 and UTI as 2. This does not mean other one is bad, but ranking wise, I would do that.

  167. Kunal Oza says:

    Hi Suresh,
    I am 24 and want to start investing in MF.
    Is it best time to start invest in MF as market is high???
    Can u suggest starters with 3k-5k per month limit.
    Thank u in anticipation.

    Regards,
    KO

    • Suresh KP says:

      Hi Kunal, Good to know your interest in mutual fund investments. You can invest through SIP where such market flucutaions would be taken care. To start invest in balanced mutual funds like ICICI Pru balanced fund or HDFC balanced fund. Try to understand how mutual fund works and what are the various types of funds. This way you would try to know which one are suitable for you.

  168. Satish says:

    Hi suresh

    Am investing in DSPBR top 100 since 5 yrs in SIP for long term growth,  I have other funds in midcap too in my port folio.  Can i stop the sip in DSBBR top 100 and go for ICIC Pru focused blue chip or ICICI top 100.  Whats ur opinon on DSPBR top 100 across all market cycles since inception and what about ICICI pru focused blue chip.

    Do you feel I should replace DSPBR top 100 with any other large cap.  Pls comment

    • Suresh KP says:

      Satish, Though Crisil has downgraded the rating to Rank-4, the annualised returns in last 5 years are 16%. You can stay invested. It is difficult to compare this with ICICI Pru focussed blue chip fund.  You can invest any new amounts into ICICI Pru focussed fund.

  169. Nilesh says:

    Hello,

    I wish to invest some lump sum amount say 50k in MF.As market is high is it ok to do so?

    If yes Which MFs would u suggest ? If not what other ways I try for short term investment of the amount? Have u posted any stock market /intraday trading articles on this blog  plz provide link. Thank u.

    • Suresh KP says:

      Nilesh, I would not advice you to invest lump sum in mutual funds. You should do SIP to get good returns. However if you want to park money for short term go for liquid funds or ultra short term funds for 3 to 6 months period.. No, I am not providing any intraday or stock market tips as of now. Unless I get maturity in this area, I would not do that. It may take some more time. It is immaterial whether it is my money or my readers money.

  170. Amarjeet says:

    Hello sir

    Want to Invest rs 10000/- p.m suggest funds Time frame 10-15 years
    I am 36

    Thanks

  171. lalit says:

    Suresh,

    After doing some research , I feel the following set of funds would be a good choice.

    1) ICICI PRUDENTIAL FOCUSSED BLUE CHIP – LARGE CAP FUND which will add stability with moderate risk expecting to give atleast 14 CAGR OVER PERIOD OF  15-20 YEARS.

    2) UTI OPPORTUNITIES FUND – OWING TO ITS INCLINATION TOWARDS LARGE CAP CATEGORY, BUT WILL BE MORE RISKIER AS ITS THEMATIC FUND. ALSO I FEEL ITS STOCKS WOULD OVERLAP WITH ICICI PRUDENTIAL FOCUSSED BLUE CHIP, BUT STILL PREFER TO GO AHEAD OWING TO ITS CONSISTENT PERFORMANCE.

    3) CONFUSED ON PICKING HDFC MID CAP OPPORTUNITIES/ UTI MNC – SINCE I NEED BLEND OF MID AND SMALL CAP STOCKS.
    WHICH ONE YOU WOULD PREFER HDFC MID CAP OPPORTUNITIES/ UTI MNC ?

    • Suresh KP says:

      Lalit, First 2 are good. Regd 3rd point, you can pick-up HDFC Mid-cap oppos fund

      • Lalit says:

        Thanks Suresh. Suresh the reason , I prefer to go for UTI MNC is its long track record, whereas HDFC MID CAP OPPORTUNITIES is relatively new fund. Also The total asset under HDFC Mid Cap Opportunities is quite high which is more than double of UTI MNC. Hence its possible, that they might change the nature of their scheme. Also it has around 65 stocks, which is quite high as compared to UTI MNC which focusses on relatively good MNC stocks.

         

        • Suresh KP says:

          Both have their pros and cons. I would prefer HDFC Mid cap as it taps mid cap companies opportunites and I personally invested in SIP and already made good money :-)

  172. arjun says:

    Hi Suresh,

    please let me know if this is teh right time to book some profits in some of the funds. I have been doing SIPs and invested some lumpsum aount. since market is up , I was thinking of booking only the profits and continuing with the SIPs. let me know if this is good idea .

    thanks

    • Suresh KP says:

      Arjun, If you invested in sector based funds, you can look for profit booking. Even for mid-cap/small-cap funds in case you want your money to be redeemed in short term of 1-2 years, you can look for profit booking. Otherwise, stay invested for long term. 

    • Sri says:

      make sure you consider the exit load while calculating the profit.

  173. ALAM says:

    DEAR MR SURESH  THANKS FOR ADVICE CAN I INVEST PPFAS VALUE LARGE CAP FUND DIRECT.I WANT LONG TERM INVESTMENT .

  174. ALAM says:

    DEAR MR SURESH

    I AM VERY THANKSFULL FOR YOUR REPLY .MY Q IS CAN I INVEST IN MUTUAL FUND THIS TIME I AM AFRAID BECAUSE MARKET IS VERY HIGH.I WANT TO INVEST IN PPFAS VALUE LARGECAP FUND.IS THAT GOOD OPTION OR I SHOULD WAIT.

    ALAM

    • Suresh KP says:

      Alam, Forget about market, you can invest. However don’t invest lump sum, invest thru SIP. If you are long term investor, don’t worry on short term market volatality.

  175. ALAM says:

    DEAR MR SURESH THANKS FOR REPLY NOW I WANT TO INVEST A LOW RISK FUND I WANT KEEP MY MONEY FOR SOME TIME CAN YOU SUGGEST ME BEST FUND WHERE MY MONEY IS SAFE EVEN LOW RETURN.

     

    THANKS 

  176. Nanmith says:

    Hi Suresh

    Kindly seek your expert advise if its good to invest 25,000 each in the below 4 funds.

    HDFC Balanced Fund

    SBI Emerging Business G

    SBI Gold exchange traded fund

    SBI Pharmacy Fund

    • Suresh KP says:

      Hi Nanmith, by looking at your funds, you have chosen 1 balanced fund, 1 mid-cap fund, 1 Gold ETF and 1 sector based fund. You can invest, your portfolio is moderate risk portfolio. You can add large cap funds to get growth for long term.

      • Nanmith says:

        Thanks so much suresh for your quick response. Kindly suggest couple of good large cap funds, i will look into it.

        Also to the benefit of all readers can you share your MF portfolio and th amount invested, so that we can also get some insight on a expert point of view.

         

  177. ALAM says:

    DEAR MR SURESH AFTER THE DISCUSSION THAT IS MY PORTFOLIO:-

    1.ICICI PRU BLUCHIP FOCUSED DIRECT (G)  VIA SIP   2000 INR / MONTH

    2.ICICI PRU TECHNOLGY DIRECT (G) VIA SIP 1000 INR /MONTH

    3.HDFC BALANCED DIRECT (G) 5000 INR

    4.SBI EMERGING BUSINESS FUND DIRECT (G) 5000 INR

    5.UTI EQUITY FUND DIRECT (G) 5000 INR

    6.RELIANCE EQUITY OPP FUND DIRECT (G) 5000 INR

    7.PPAS EQUITY FUND (G) 1000

    8.FRANKLIN FEDDER US BLUCHIP FUND (G) DIRECT  5000 INR

    9.IDFC NIFTY FUND DIRECT (G) 5000 INR

    10.AXIS LT EQUITY FUND(G) 500 INR

    11.QUANTUM LT EQUITY FUND DIRECT (G) 1500 INR

    12.QUANTUM TAX SAVING FUND DIRECT (G) 1500 INR

    13.CANARA ROBOCO TAX SAVING FUND (G) 500 INR

    14.FRANKLIN TAX FUND (G) 500 INR

    15.IDFC TAX SV FUND (G) 500 INR

    16.ICICI TAX SAV FUND (G) 500 INR

    17.IDBI TAX FUND (G) 500 INR

    18.TATA TAX SAVING FUND (G) 500

    19.NPS SCHEME PER MONTH 1000 INR.

     

    SO PLEASE TELL ME MY PORTFOLIO IS GOOD OR NEED SOME CHANGES .I WANT TO INCREASE ALL THE FUND YEAR BY YEAR.

    ALAM

    • Suresh KP says:

      Alam, Personally I do not feel to invest in so many funds. You can cut-short by 5 to 8 funds or max 10 funds. There are 8 funds / options which are tax saving. Why do you want to invest in 8 ? Why can’t you cut down this to 2-3 ? Please think. Among ELSS, Canara Robecco tax saving Quantum tax saving are good. Non Tax savings, I am not commenting as there is huge list

  178. Sandy says:

    Hi Suresh,

    I want to add one aggressive fund in my portfolio. Should i consider sector funds? like SBI Pharma. If so how frequently should i monitor such funds. or should i go for global funds like FT Feeder.  I am not sure about the future outlook of pharma sector or global funds. Can you suggest?

    Thanks.

     

     

    • Suresh KP says:

      You can add SBI Pharma or ICICI Pru Technology Fund. You should monitor this every 6 months as these are sector based funds and could downturn any time within short span of time.

  179. atul sharma says:

    i wantto invest 3000-5000monthly in mutual fund via sip

    which give me best return in 5-10 years

    • Suresh KP says:

      Atul, 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.

  180. arjun says:

    hi suresh

    to increase the sIP allocation in fund do I need to stop the existing SIP and start a new one in the same fund?

    • Suresh KP says:

      Arjun, I heard that some mutual fund brokerage accounts offer modification of SIP like fundsindia.com or fundsupermart.com. I have account in ICICIdirect.com and I need to cancel the existing SIP and cannot modify. If there is no option in your account, you can cancel and re-creating a fresh SIP with higher amount.

  181. FEROZ says:

    my children age 2 i need saving fund I invest a long term 15 / 20 yrs any SIP funds i invest 1500 months or 1000 months in 2 funds

    with long funds perform SIP LIST plz reply me

  182. ALAM says:

    DEAR MR SURESH

                                THANKS FOR VALUABLE ADVICE.MY Q? IS BSE OR NSE WHICH STOCK IS GOOD FOR INVEST AND WHICH ONE IS SAFEST OPTION.

     

     

    • Suresh KP says:

      Alam, Both are good. There is no question of safest as you would just do a transaction and you are not investing in BSE or NSE. Once you buy, all the stocks are in demat account which are in electronic form with depository participants (DP)

  183. Nishant says:

    Hi Suresh ,

    Presently I am investing through SIP in the following 3 funds sine 2 years .

    1. ICICI PRUDENTIAL FOCUSED BLUE CHIP ( 2500 )
    2. UTI OPPERTUNITIES ( 2500 )
    3. RELIANCE EQUITY OPPERTUNITIES ( 1500 )

    ANd I would like to invest addtioanl Rs. 3500/- in the following 2 funds .

    1. RELIANCE PHARMA ( 1500 )
    2. Existing RELIANCE EQUITY OPPERTUNITIES ( 1500 + 1000 )

    Could you please suggest me if i can go ahead with this choice else suggest me.

    Thanks
    Nishant

    • Suresh KP says:

      Nishant, Good choice. Instead of adding same fund again, you can invest in new fund and get new exposure and observe the returns. Such new fund in your portfolio can perform better than the 2 indicated by you. You can look for FT India blue chip fund or HDFC Top 200 or Birla SL MNC Fund etc.

  184. Harri says:

    Is there any website that gives updated SIP returns in MF investments?

     

  185. ALAM says:

    DEAR MR SURESH THANKS FOR REPLY,MR SURESH I WANT TO INVEST SUNDARAM GILT FUND (G) BECOZ I SEE THAT FUND RETURN IS 1 YEAR 18 %.SO I THINK THAT FUND IS SAFE AND HIGH RETURN WHAT U THINK? AND PLEASE CAN YOU SUGGEST ME SOME LOW RISK FUND WITH ATLEAST 12 % RETURN.?

    THE LAST Q?CAN I INVEST IN BONDS LIKE IIFL ,MANIPURAM WITH PROVIDE 12.68 % RETURN ?

    • Suresh KP says:

      Alam, Gilt funds are aimed for specific purpose. My suggestion is to go for Balanced funds which are low risk and can provide good returns for you. Yes you can invest in NCD bonds, however choose secured NCD’s like Manappuram bonds. This week even Shriram City union secured NCD bonds are also going to open which are also good for subscription.

  186. jagdish says:

    Hi Sir,

              I hav a ULIP( icici life time gold policy) since 64 mnths. I m investing 2K per mnth(64*2). Today my fund value is 1lk 43k, which is 15k more than my invested amount. So pls suggest me sud i continue wid dis or any other plan so dat i can get more profit. Thank u

     

     

    • Suresh KP says:

      Jagdish, In 5 years, you were able to get average returns of 5% per annum. This is what is generally achieved through ULIP. Good that your fund is giving atleast 5% returns. You can stay invested. Alternatively you can come out, but ensure you have sufficient insurance coverage before you come out.

  187. ALAM says:

    DEAR MR SURESH

    I WANT TO INVEST IN SHARE MARKET DIRECT CAN YOU TOLD ME DIRECT SHARE INVESTMENT IS BETTER OR THROUGH MUTUAL FUND IS BETTER I WNAT BETTER RETURN ON MY INVESTMENT SO WHICH OPTION IS BETTER.

    2ND Q?FOR INVESTING DIRECT ON STOCK I SHOULD HAVE DEMAT ACOUNT AND EQUITY ACCOUNT OR ONLY BANK ACCOUNT.

     

     

    • Suresh KP says:

      Alam, You can invest in stock market, but you have awarness on how it works and what are the risks involved. My suggestion is start investing in mutual funds to start with. Slowly get awareness understanding how stock market runs in various market conditions and risks invovled. Then you can start investing in direct stock market. Pls note that stock market investment should be done for long term. If you think of making money in short term, you may burn your fingers. Second is you need to have demat account to invest in stocks. Approach any stock broker to open demat account.

  188. Girish Varma says:

    Dear suresh ,

    I am requesting 5 or 7 good funds for long run, details given below, in my vew all are good that why I am requesting to choose, I am a 36 yrs old person.

    1.RELIANCE EQTY OPPRTUNTY RP.G

    2.QUANTUM LONG TERM EQTY.G

    3. ICICI PRU FOCUSED BLUECHIP EQTY.G

    4.UTI OPPRTNTY FUND.G

    5.HDFC BALANCED FUND.G

    6.HDFC PRUDENCE FUND.G

    7

    .ICICI PRU DYNAMIC PLAN.G

     

    8.HDFC TOP 200.G

     

     

     

    9.BIRLA SL FRNTLINE EQTY.G

    10.FRANKLIN INDIA BLUECHIP.G

     

     

    • Suresh KP says:

      Girish, There are several large cap funds and just 2 mid-cap and 2 balanced funds. I would prefer to invest all of them, but given a choice, I would remove HDFC Balanced, UTI Opps fund and Birla SL Frontline. These 3 also good, but comparatively, others score high in my opinion.

  189. ALAM says:

    DEAR MR SURESH 

     

    THANKS FOR YOUR GOOD ADVICE I WANT TO KNOW I HAVE INVESTED 3 LAKHS IN SHARA Q SHOP H PLAN SO NOW WHAT I DO CAN I WITHROW OR I WAIT FOR MATURITY BECOZ NOW TWO YEARS ALMOST FINSHED.

    2ND Q?I WNAT TO INVEST IN FT FEDDER INDIAN US BLUCHIP G ,FRANKLIN INDIA INDESX FUND BSE G,SO PLEASE TELL ME THAT IS OK 

    • Suresh KP says:

      Hi Alam, I think you are referring Sahara Q Shop FD scheme. Since these are disputed with Supreme court, you can make a try to call customer support of Sahara India. Otherwise you need to wait for some more time to get your money. Second question is about you can invest in FT feeder fund. I would not advice you to invest in index funds at this moment.

  190. Satish says:

    Hi Suresh

    Am planning to go for an SIP for long term (15 yrs) for wealth creation in one of these 2 funds ICICI pru dynamic and UTI Opportunies fund.  Apart from these I have other diversified MF via sip since from 5 yrs.  I have reserched many webisites which says both are good performing and recommended funds .

    As per you which one will be better to have  an SIP for long term which will create wealth compared to the above 2 funds ICICI pru dynamic and UTI Opportunies fund in terms of stability, returns, exps ratio and other ratios which we judge for funds performance

     

     

    • Suresh KP says:

      Satish, Both are good. However scheme objectives are differnet. e.g. ICICI Pru dynamic plan contains most of mid-cap stocks and some amount in large cap. These would be done in long run. On the other hand UTI Opportunities fund does not restrict to particular capitalization. It can invest across various large cap, mid cap and small cap or only in few sectors which may do well in future. Hence this would dynamically change and affect the performance in case fund manager does not take actions immly. My suggestion is to invest across 5 to 7 funds so that you would not just depend on 1 or 2 schemes.

  191. Nilesh says:

    Hello Suresh ,

    Thanks for your reply.As per your suggestion I tried to register on fundsindia/icici Pru sites for starting SIPs.But I have query whether these means have their own cost/charges for doing SIP transactions or its free service for all funds having tie up.I heard actual NAVs differ from NAV applicable thru these transactions.What would you suggest? Also can we directly go to respective fund's AMC office and register for SIP widout any such hidden charges? Thanks in advance.

    • Suresh KP says:

      Fundsindia.com does not charge transaction charges. To that extent you would get benefitted. However there would be trial fees (commission) which is paid by AMC directly to such third party portals. If you invest directly with AMC websites by SIP or lumpsum, they would track such schemes seperately which are called “Direct”. You would see a direct word attached to MF scheme. e.g. “HDFC Top 200 mutual fund – Direct”. When you invest directly, AMC house need not pay any trial fees (commission) to any agent every year. Hence you would get higher returns every year. If you invest through AMC directly there would not be any hidden charges.

  192. Kanna says:

    Hi Suresh,

    Thanks a lot for your recommendations. I have been checking your blog frequently these days and I have started investing in MF via Sip. I can take medium to High risk. Here are my allocation:

    Large Cap 45.00%
    Small & Mid Cap 15.00%
    Diversified Equity 5.00%
    Balanced 10.00%
    International 10.00%
    Sector FMCG 7.00%
    Sector Pharma 2.00%
    Sector Technology 6.00%

    Sector funds Sips are started for 2 years and others for 10 years.

    Kindly suggest improvements if needed.

    Thanks

  193. Vikram says:

    I have the following SIP portfolio:-

    ICICI BLUE CHIP : 14k per month

    ICICI DISCOVERY: 12k per month

    Planning to add:-

    ICICI DYNAMIC: 6k

    FRANKLIN SMALLER COS FUND: 6k

    Let me know what you think.

    Thanks Suresh !

    Vikram

    • Suresh KP says:

      Vikram, Except for ICICI Pru focussed blue chip fund, other 3 are mid-cap funds. Yes they can provide good returns, but invest if you are high risk investor. If you are moderate risk investor, balance your portfolio by investing in large cap funds and mid-cap funds (50:50)

  194. Vikas Thorave says:

    Hi Suresh Sir,
    Nice article. For long time investment (8 to 10 years)large cap & diversified MF are better than sector based MF? Thanks.

  195. ALAM says:

    DEAR MR SURESH THANKS FOR BEST ADVICE 

     

    MY Q?IS IF I SEE MY MUTUAL FUND VALU TODAY AT HE SHOW 3215 INR OF MY INVESTEMENT IN EQUITY FUND LIKE ICICI PRU FOCUSED BLUCHIP G SO IF I GO FOR REEDEM HOW MUCH MONEY I GET BACK ON MY ACCOUNT.

     

    • Suresh KP says:

      Alam, It depends when you invested. If you invested in less than 1 year, 1% exit load would apply. Otherwise, you would get entire amount of Rs 3,215 of what you indicated.

  196. Nilesh says:

    Hi,I want to invest 40k monthly in Sip for long term.my goals are sons education (15yrs-50lkh),sons marriage(20 yrs- 50lkh).Please suggest gud funds along with amount/month.Also I'm first time investor in SIP so please tell me the procedure to invest in SIPs(thru bank/direct/agent etc.)?

    • Suresh KP says:

      Hi Nilesh, Please open mutual fund account with any mutual fund broker like fundsindia.com or ICICI direct.com. Every broker has their unique features and they charge transaction charges etc., Pls enquire before opening the account. Once you open the account, you can request for SIP (single request for monthly investment) for any mutual funds. You can invest in the mutual funds indicated here as well on other top 10 mutual funds article. 

  197. siva says:

    Hi Suresh,

    First thanks for the blog which is very informative and helpful.

    I am planning to invest in Mutual Funds for 3 reasons. Child Education,Child Marriage and Retirement . All these investments will be for more than 10 years.
    Can you suggest how to diversify the investment by selecting minimal mutual funds based on my investment appetite(I want to invest 40% in equity diversified, 20% in equity large gap,20 % in equity small & mid gap , 20% in debt funds).

     

    Thanks,
    Siva

  198. Krishna says:

    Hi Suresh,

    I am impressed by the way you are responding to each and every comment on this article.

    I am a newbie into investment. I am not worried about tax savings(already taken care). I am looking for a fairly long time investment(approx 5 years) and ready to invest around 5K-10K every month. I was browsing through many articles. SIP seems to be one good choice. It would be great if you could share more tips/pointers where I can get detailed understanding and suggestions for investment.

     

    Thanks in advance !

  199. ALAM says:

    DEAR MR SURESH

     

    THANKS FOR YOUR GOOD ADVICE NO I HAVE 2 Q?

    1.CAN I INVEST IN FT FRANKLIN INDIA US OPP FUND IN G OR D WHICH ONE IS BETTER?

    2.MR SURESH I WANT TO INVEST 30 K PER MONTH FOR 3 YEARS WITH LOW RISK PLEASE SUGGESET ME WHICH FUND I CHOOSE FOR INVEST THAT GIVE ME GOOD RETURN WITHIN 3 YEARS.

     

     

    • Suresh KP says:

      Hi Alam, Franklin India US Opps fund is good. Invest in growth fund. You can choose hybrid funds like ICICI Pru balanced fund or HDFC Fund or Tata Balanced fund in case you want to invest for 3 years. However I feel you may get good returns for short term. Invest atleast for 5 to 8 years if you want good returns.

  200. Saravana says:

    Hello Sir,

    I am investing through SIP (Rs 1000 per month) in the following 3 funds.Please let me now If i stay invested in there or switch over to other .

    1.HDFC Top 200 fund – growth

    2.Reliance pharma.

    3.Reliance tax saver.

     

    • Suresh KP says:

      Good funds stay invested. However tax saver is only for tax saving u/s 80c. I hope you are aware, if not, invest in large cap or diversified funds.

      • Saravana says:

        Thanks sir.Yes i am aware of that and i am doing for tax saving purpose.

        Will you be recommending ELSS funds for tax saving purpose.if not wat option you will suggest.

        What % of return can I expect from this Reliance Tax saver fund .

         

        • Suresh KP says:

          Hi Saravana, Pls refer this for good ELSS mutual funds. http://myinvestmentideas.com/2013/11/top-5-tax-saving-mutual-funds-elss-in-india-to-invest-for-2014/

          • Saravana says:

            Thanks Sir.But i dont find Reliance Tax saver in that list of tax saver funds you provided.Should I stay in this fund or switchover to the tax saver fund mentioned by you.

          • Suresh KP says:

            Saravana, Reliance Tax saver is good fund. However there are better funds than this. You can continue in this fund. For any fresh investments, choose some of the funds indicated by me.

  201. arjun says:

    Hi suresh,

    I have the following allocation. could you please suggest which I should switch /stay invested or exit?

    Following are SIPs monthly

    HDFC top 200 ( Growth ) — 1000 ( last 3 years)

    HDFC top 200 ( dividend ) — 2000 ( last 3 years)

    hdfc pruddence fund ( growth ) –1000 ( 1 year)

    hdfc pruddence fund ( dividend ) –2000 ( 1 year)

    icici pru focussed blue chip – (g)  2000 ( 6 months)

    UTI equity opportunities - (g)  2000 ( 6 months)

    IDFC premier equity ( G) –2000 ( 6 months)

    icici prudential discovery fund ( g) –1000 ( 6 months)

    Reliance equity opportunities fund (g) –1000  (6 months)

    SBI emerging businesses ( g) –1000  (6 months)

    SBI emerging businesses ( d ) –1000  (6 months)

    canara robeco equity diversified –2000 ( last 3 years)

    ——————

    lumpsum

    sundaram s.m.i.l.e ( g)  –60000 ( invested 3 years ago)

    DSP blackrock top 100 equty –40000 ( invested 3 years ago)

    canara robeco equity tax saver ( g) –10000 ( invested 3 years ago)

    also i woul like to start sips in reliance pharma – 1000 and icici pru tech fun -1000 ( for aorund 3 years horizon) let me know if this is fine.

    also please let me know if i should add any diversified and large cap funds to above portfolio

    thanks in advance!

    • Suresh KP says:

      Arjun, You have selected good funds. Regd Sundaram SMILE fund, just check whether you got any good returns. If yes, you can review and exit. Others are good, stay invested. Keep an eye on sector funds as they can always move in U turn. You should know when to exit from such funds.

  202. Suman Deb says:

    Hi Suresh Ji,

    I have a  doubt regariding the SIP…I am following your articles for more than a year. Last year you have suggested 10 mutual funds and this is also you have done the same. But my question is apart from 1 or 2 mutual funds I am seeing there is a whole new set of MFs in the 2014 MF list. You himself has been suggested that SIP is not for short term then how come those MF's which was part of your list last year are not able make this year's list. Please suggest so that the investers undersantds the reason and how to make smart investment.

    Suman

     

     

    • Suresh KP says:

      Suman, I indicated in my first paragraph. When I recommended only 10 funds, several readers kept on enquing what about other funds. There are several funds which are doing good. Every one want to invest in several funds. If I just keep saying 10 funds, people are not interested. Based on risk appetite, every one want to invest in variety of funds. If you see this time I recommended global funds where global markets are doing good. These are for high risk investors. However in my last year, I have not touched this category of funds at all. Net summary, If I recommend 10 funds, these cannot be the only savers. Apart from 20 funds what I recommended, there are another 5 to 10 funds which are doing better at various economic cycles. I would continue to recommend them too.

  203. Srinivasa says:

    Dear Suresh,

     

    Could you please suggest me if ican invest for Birla cash manager fund scheme , since i come across about this fund, through one of my friend.

     

    I would like to invest Rs. 60000/- at a time via STP which should be useful to my daughter's education .

     

    Please revert me if my above investment is worthful ?

     

    Thanks in advance, Srini. Hyd

    • Suresh KP says:

      Hi Srinivas, The one what you are saying is liquid fund where people invest for very short term. Consider investing in long term funds. Choose top funds from some of my articles.

  204. Srinivasa says:

    Dear Suresh,

    Hope you are doing well. I am back with one more query and need of your suggestion :)

     

    Recently i come across Birla Cash Manager fund details through one of my friend, where i would interest to opt the same via STP by investing 60000 (+100 as Trax charges) as bulk amount for coming 5 years which should be useful for my daughter's further studies.

     

    Could you suggest me if i can go head with this choice else please do suggest me one nice fund via STP

     

    Awaiting your earliest reply, kindly do the nedful.

     

    Best Regards, SRini. 

     

  205. Girish Varma says:

    Hi suresh,

     You sujest 5 to 8 mf , I am 36 years person looking sip in good performing and return giving  safe mf. Iam selected some funds  details below pls choose what you sujest in this list or out of these and howmuch because I am planning 1cr in 15 yrs. I think the sectoral funds are not good for long time what is your opinion. Growth option or divident option is good  pls advise.

    ICICI PRU FOC BLUCHP.G.  

    UTI OPPORTUNTY.G.

    BIRLA SL FRONT LINE EQTY.G

    HDFC TOP 200.G

    RELIANCE EQTY OPP.RP.G

    ICICI PRU DYNAMIC PLAN.G

    HDFC PRUDENCE FUND.G

    HDFC BALANCED FUND.G

    ICICI PRU BALANCED FUND.G

    ICICIPRU BALANCED FUND ADV.G 

    IDFC PREMIER EQTY PLAN A .D

     

     

    • Suresh KP says:

      Good funds. IDFC Premier equity is high risk and avg performer, you can review and exclude it. Also ICICI Balanced funds you are considering two of them, take only one

  206. shiv anand says:

    Hi Suresh,

    Can we still expect punch remaining in IT and Pharma sectors? As they have returned great returns last year.

    Do you advise me to invest now in these sectorial funds. (I can take risk ,)

    • Suresh KP says:

      Shiv, Phamra is every green sector. Stay invested for 3 to 5 years. IT Sector, still there is good scope. Top 4 IT companies are planning to hire 45000+ employees in in next one year. You can imagine the potential which they are planning to encash. However invest in IT sector only for 2-3 years.

  207. Nilesh says:

    Hello,

    I was just planning to start SIP in ICICI prudential blue chip(2k) and IDFC premier equity (2k).I have gone thru their report on value research online.They are doing well.In ur list these funds r not there.What would u suggest on my plan?

  208. Saravana says:

    Sir,

    This article found very useful to me.keep continuing your active writings.

    • Saravana says:

      Hi,

      I have been investing in hdfc top 200 – growth fund through SIP Rs 1000 per mont for around 49 months.BUt I could see the cost value is of Rs 53000 now.

      Please let me know If I can move from this fund or should keep investing in this.

       

  209. sirish says:

    Hi Suresh,

     

    Good article. What abt funds like 1) UTI Equity 2) UTI Opportunities 3) SBI Emerging Business

    Do you recommend above funds

    • Suresh KP says:

      Hi Sirish, UTI opps fund and SBI Emerging funds are good which I keep recommending on my articles. UTI Equity fund is also good fund. Stay invested. By the way, how is your blog. What changes do you think I can make on this blog to make this more attractive. Keep sharing few good articles on Facebook which you think they are good.

  210. Saravana says:

    Hello Sir,

    Your articles in this blog is very useful for us.I could like to appreciate for your active writings in this blog.

    I have been investing in hdfc top 200 fund- growth  through SIP for around 49 months of Rs 1000 per month.When I started investing in this fund , it was good and I doubt now whether its still a good one to continue.

    I could see my investment of 49000 has the market value of around 53000 now.I thinking of whether should I continue investing in this fund or stop this fund & start investing in any other good funs which yeilds more returns than this.

     

    • Suresh KP says:

      Hi Saravana, In one of my article, I indicated that this fund provided good and consistent returns in last 10 years. MF game is long term. Invest for 8 to 10 years. The money grows in such large cap funds for long term only. Also keep watching for market peaks and try to exit from such funds before market correction. This is one strategy if you have invested for 5+ years and waiting to exit.

      • Saravana says:

        Thanks sir for your response.As you mentioned I will stay invested in hdfc top 200 for 10 years.If suppose i invest Rs1000 per month in SIP for 10 yrs , how much return can I expect after 10 years.say my investment is 1,20,000/-.Please let me know the approx return expected (pls not to mentioned in percentage , I need approx figure expected).

  211. Nirmal Bag says:

    Hi Suresh,

                  Thanks a lot for such a nice article. I am investing on ICICI Pru focussed bluechip and Quantum long term equity fund with SIP of 10000 each. I am planning to change my SIP amount. Please suggest whether I change my existing SIP''s to two existing funds and add funds what you have suggested here.

    Thanks,

    Nirmal

  212. vinod says:

    Dear Suresh,

    For long term investors for say atleast 10 years and above which kind of investment would be good to beat inflation – high risk appetite.

    I hope holding some good stocks would be right answer.

    Please do post some good stocks which can be hold for atleast 10 to 20 years.

    Valuable suggestions would be appreicated.

    Regards

    Vinod

    • Suresh KP says:

      Vinod, The reasons for success of MF’s are you need to watch for the stocks to grow and to check when to enter and when to exit. These are done by professionals in mutual fund industry. Yes these are good for long term investors except for sector funds which should be for 3 to 5 years only. You can watch the industry growth and keep for some more years. I would work on good stocks to buy for long term and would post in coming weeks. 

  213. arjun says:

    I have been investing in HDFC top 200 fund  since last 3 years through sIP route however I am not seeing much returns. Shoudl I stop the sip ?and invest in some other large cap fund ?

    Also I have a sIP in hdfc prudence fund , howvere since last 3 years however I am not seeing much returns here also. Should I switch to HDFC balanced fund ?

     

    • Suresh KP says:

      Hi Arjun, See my article about best funds which provide consistent and highest returns in last 10 years. This includes HDFC top-200 and HDFC prudence. These funds provide good returns in long run. Investment in MF’s are long term game. Invest and watch your money to grow. 

  214. arjun says:

    Hi suresh,

    Could you please let me know if funds with greater AUM have better chances of fetching maximum returns ?

    • Suresh KP says:

      Hi Arjun, When AUM is higher, it means more and more investors are investing in such funds. It can happen by getting confidence by investors. Hence we should prefer higher AUM funds. However it is only indication. There are several funds which has higher AUM, but are delivering low returns. We should be careful.

  215. arjun says:

    which one is preferred SBI pharama fund or relaince pharma fund ?

  216. Mohit says:

    In case of RD, which is the safest of all, if you invest 1K per month for 18 months + 18 months (as above 2 years, interest rates are slashed by 0.25%), after 36 months, you will get around 41,500. Your bottom 3 best plans are giving a return of 42K, 42K & 43K respectively.

    In case of RD, you don't have to study the market, just relax & make money. I don't think that anything below 45K for same amount & period can be considered as a good option because risk will be involved in such cases; RD will be better in such cases.

    Anyway, I am already investing in ICICI Pru Tech from last 8-9 months; after your article & analysis, I am planning to increase the amount. I feel that it's completely useless to invest in Large Cap & Diversified MF; RD/FD are better than these MF; atleast, there is no risk & returns are almost similar. I feel that if you want to invest in MFs, invest in only high risks MF because low/medium risks MFs use to give similar returns that we get in RD/FD. What's your opinion??

    • Suresh KP says:

      Hi Mohit, To some extent your analysis is right. You should invest diversified portfolio. Mid-cap/small caps can provide good returns. However they can show downturn in falling markets. Just check the performance of large cap funds during 19K to 21K rally. They provided good returns. However mid-cap/small-cap’s shown down trend. Hence whatever market condition it is, investing in diversified portfolio it can help you to earn good returns. RD’s are no doubt good, but do you satisfy with 9% pre-tax returns ? If the answer is no, you should look for experimenting by investing in various options like variousMF’s.

  217. Srinivasan says:

    Dear Suresh,

     

    Thanks for the details on the best MF for SIP . I am investing in SBIMU FMCG – Divident Re-investment Option @ INR 1000 per month from September 2013.

     

    Kindly advise whether I should contineue after One year or NOT.

     

    Regards,

     

    Srinivasan.

    • Suresh says:

      Hi Srinivasan, Among sector funds, Banking and FMCG are in slowdown. I feel you cannot expect much in next 2-3 years. I may be wrong. If you have already invested, stay invested, but reduce any fresh investments. 

  218. Nirav says:

    Sir,

    I have some doubts pls clear them,I will invest first time :P

    Question-1 – Rather than SIP I bulk buy units there would be no problem right?

     

    Question-2- There r 4 quater in a year,lets imagine that a fund jumped in Q2 20% and i think this fund will go down , so i exit from that fund wid 1% exit load loss,and invest my profit + capital in another good fund, For short term good returns , is my decision correct?

     

    Thanx for ur time sir

    • Suresh says:

      Hi Nirav, Here are my comments 1) If you invest bulk, you are seeing today’s stock market situation and your investment can fluctuate.e.g. currently SENSEX is at 20K. What happens if it falls to 18K in next couple of months, your portfolio also can get reduced to some extent. SIP would help you to arrest such sudden fall when you invest regulary or monthly. 2) Don’t invest in stocks and mutual funds for short term. One time you may gain, but several times you may loose. Invest for 5 to 10 years in 5 to 8 funds and leave it. It would automatically grow your money.

  219. sandy says:

    Hi Suresh,

    Crisil ranks do change very frequently. When i invested in rank 1 funds 1 month back, the same funds have dropped to rank 2 and some even rank 3 now. Even the ranks of those were dropped when checked performance on a 5 year or 3 year scale. Ex: ICICI pru focussed blue chip, SBI Emerging Business etc. Can you suggest how to check top performing funds based on crisil ratings?

    • Suresh says:

      Hi Sandy, I got similar doubt few years back. Last year I have written an article around this topic. Pls check this and let me know further queries on your question. http://myinvestmentideas.com/2013/05/should-you-worry-if-crisil-rank-for-a-mutual-fund-scheme-changes/

  220. Sri says:

    Thanks for the list. It is very useful. I will add couple of funds from this list to my portfolio.

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