Best Investment Plans to invest for 2014

Best Investment Plans and Investment OptionsBest Investment Plans to invest for 2014

Happy New Year 2014 to all our readers. Are you wondering where to invest in 2014? Do you know which are best investment plans or investment options that are going to perform better in 2014. I have analyzed some of the best investment plans to invest for 2014 which are expected to perform better in this year. You should understand in detail about the features, risks involved and to whom these are best suitable before investing in such investment plans.

10 Best Investment Plans to invest for 2014

1) Investing in IPO’s : Investment in IPO’s gave more than 65% simple returns in 2013. This stands out to be my favorite investment plan for 2014 also. I personally invested in a Repco Home Finance IPO in Apr-2013 and the stock is appreciated 106% by the end of Dec-2013. I have written an article couple of months back on the IPO performance for 9 months in 2013.  I prefer to invest in good IPO’s rather than investing in all IPO’s as there are several small SME IPO’s keep coming where performance is not that good. I feel, investing in IPO is one of the best investment plans in India.

2) Investment in Pharma Funds: My second favorite top investment plan is investing in Pharma Mutual funds. These mutual funds gave 20% to 25% returns in last one year. Though these are high risk, high yield investments, investing some of your portfolio in such Pharma Funds can give good returns to your portfolio. Investing in Reliance Pharma Fund or SBI Pharma Fund would be the best bet for 2014.

3) Investment in Largecap / Diversified funds: Investing in mutual funds through SIP has always been my favorite top investment plan. There are several good large cap funds like ICICI Pru focused blue chip fund, Quantum Long term mutual fund, Franklin India Blue chip fund, Birla SL Front line equity, HDFC Top-200 mutual fund which are the best bet in the long run. Also there are good diversified funds like Reliance Equity Opps fund, UTI MNC fund, ICICI Pru Dynamic Plan etc. which one can look for investment.

4) Investment in Technology/IT sector funds: IT sector has been performing well in last 1-2 years. With rupee value depreciating and US economy growing, IT sector has gained a lot. There are few technology funds which gave 65% returns in last one year. I still feel this sector would perform well in 2014 too. Franklin Infotech Fund and ICICI Prutech fund are top picks for 2014.

5) Invest in Tax Free Bonds: There are several tax free bonds which have been issued in 2013 where high rated tax free bonds like NHB offered 9.01% tax free returns. Banks have been offering 9% interest which is taxable, hence these tax free bonds gained popularity. It could be one of the strategy of RBI to reduce cash flow from public and use such funds for the growth of Indian economy. I am not surprised that there would be fresh tax free bonds in 2014 which offer higher returns than 9% tax free bonds. I feel investing in tax free bonds is one of the best investment plans in  2014 too.

6) Invest in secured NCD: Though there are several Non-Convertible-Debenbtures (NCD) being issued every month with interest rates up to 12.5% per annum, investors keep worrying about the safety of the investment. I would advise investors to invest in secured NCDs which are one of the good investment plans. These secured NCD’s are generally backed up with receivables or any other company assets. Principal and interest are secured in nature. Manappuram Finance secured NCD’s issue started this week and though there are risk factors, since they are secured, investors can look for investing in such NCD’s.

7) Investment in Gold ETF: Investment in Gold should be done from long term investment perspective. As indicated in my other articles, I would personally suggest to invest in Gold ETF’s. You can look for best gold ETF’s to invest for 2014.

8) Investment in real estate: With growing real estate prices, we should not ignore investment to be made in real estate sector. Hopefully REITs investment should come into execution in 2014 so that investors can save small amounts in real estate sector like we are doing through SIP in mutual funds. I would be happy to invest in REITs in India.

9) Investment in PPF: Many readers have been asking which would be best retirement option to invest. I would personally prefer to invest in Public Provident Fund (either through the post office or through SBI or any other bank) every year. One can invest up to ₹ 1 Lakh in PPF every year and get tax exemption u/s 80C and they can expect 8.5% (approx) tax free interest at maturity. This could be used as one of the best investment plans for retirement option.

10) Invest in Bank FD/RD: While all investment options are done for the long term view, you should invest part of your regular savings into a high interest earned bank fixed deposit/recurring deposit. These can be used as an emergency fund or to meet any unexpected expenses. This way you would not touch your other investments.

Conclusion: The above 10 Best Investment Plans are good to invest in 2014 and get higher returns. You should understand the risks involved in some of these investment plans before investing.

Readers, which investment options you are planning to invest in 2014. Do you have any other investment plan which is better than above. I would really love to hear from you.

If you enjoyed this article, share it with your friends and colleagues on  Facebook and Twitter.

Suresh
Best Investment Plans to invest for 2014

Suresh KP

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185 comments

  1. Hello Sir,

    I am 25 years of age. Annual income of 28k/per month.. I dont have any such liabilities right now I can take some amount of risk. I have just started learning the concepts of investment options like MF, equities, bonds etc. I dont have any type of loan. I can start with investing upto 10k per month in 30:70 ratio.. 30 % for risky investment with longer lock in periods and 70% with a lock in period of about 3-4 years.. Please suggest some good options. Right now I only have an RD of 2500 pm which I am investing for about 10 months from now. Please suggest me some good options.

  2. No. of Funds Category Fund Name Investment/Month %
    1 Equity Large Cap ICICI Prudential Focused Blue Chip Equity Fund (G) 1500 20
    2 Equity Mid-Small Cap HDFC Mid Cap Opportunities Fund (G) 1500 20
    3 Debt Long Term UTI Dynamic Bond Fund (G) 1500 20
    4 Debt Short Term HDFC Short Term Opportunities Fund (G) 1500 20
    5 ELSS Axis Long Term Equity Fund (G) 1500 20

    TOTAL 7500 PM 100%
    BALANCED

  3. Dear Sir,

    I would like to invest for long term(above 15yrs ) to “creat wealth”.
    For long term wealth creation investments, can you suggest the best MF schemes.

    Thank you,
    Loyit.

  4. Hello Mr. Suresh
    I like your articles
    Big Thanks for valuable information
    Sir
    im 35 M i want to invest please suggest for better future planning
    my annual income 3 lakh
    want to invest Rs 4000 -6000 per month through SIP
    in different company and different types of mutual fund
    (Rs 1500-2000 in 3-4 funds) per month.
    can i start sip in SBI (can i buy mutual funds of any company)
    please suggest better place to start SIP ( for tention free investment)

    1. Invest in these 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) Balanced – You can check HDFC Prudence / ICICI Balanced fund. 

      1. Hello Mr. Suresh
        Please tell me can i invest in MF of different Fund houses (Like SBI, HDFC, ICICI etc.) from my saving account in State Bank.
        i want to invest online
        only from one account
        please tell me how can i do so.
        Waiting fro your reply
        Ajay Agrawal

        1. IF you want to invest only from one account, you should do this only through MF broker. Check this article. https://myinvestmentideas.com/2014/08/best-stock-brokers-offering-3-in-1-trading-and-demat-account/

      2. Hello Mr. Suresh
        Big Thanks for your valuable information

        Sir
        Please tell me about my Investments:

        No. of Funds Category Fund Name Investment/Month %

        1 Equity Large Cap ICICI Prudential Focused Blue Chip Equity Fund (G) 1500-20%
        2 Equity Mid-Small Cap HDFC Mid Cap Opportunities Fund (G) 1500- 20%
        3 Debt Long Term UTI Dynamic Bond Fund (G) 1500- 20%
        4 Debt Short Term HDFC Short Term Opportunities Fund (G) 1500- 20 %
        5 ELSS Axis Long Term Equity Fund (G) 1500- 20 %
        TOTAL 7500 100%
        BALANCED
        I started SIP in SBI Cap Securities
        please suggest me
        again thanks for your valuable time and information.

        Ajay Agrawal

  5. hello Mr. Suresh KP
    I read your articals and like them very much,
    thanks for your valuable advices,
    Im 35 M, want to invest in mutual funds through SIP
    nearly about Rs 4000 to 6000 /month,
    i m new in finance and investment please suggest me 3-5 funds
    for 1000-1500 per fund per month
    thanks for your valuable time and advice

    1. Invest in these 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) Balanced – You can check HDFC Prudence / ICICI Balanced fund. 

  6. Hi Suresh,

    Thank you for your blog its really helpful.

    I would like to start investing in SIP ( Rs. 5000 P.M ), I want to grow my wealth to 1 crore in next 15 years, request you to suggest the best MF to invest to achieve my desire target.

    Thanks,
    Manu

  7. Hello sir,
    My age is 26yra & My Annual Income is 3L.
    My current Investments are 2100/month in Lic, 1000/month as PLI.

    I want invest more to make more wealth.
    I can go for long term. I can invest 6-8k/month.

    plz guide me where I should put my money to earn more n’ more.

    1. Since you do not have monthly investments except for LIC/PLI, start investing in recurring deposit to start with. Meanwhile open MF account with any MF broker. You can start investing in hybrid mutual funds in beginning and slowly move to equity funds. You can invest for 8 to 10 years in mutual funds to get good returns compared to bank FD schemes.

  8. Hi Suresh

    I would like to invest hdfc mutual funds for period of 10 to 15 years. Every month say about Rs. 20000/- month. This is my plan to create wealth in long term for my post retirement period. I am 47 years old. Which fund should I invest regularly? Kindly give your opinion.

    Regards,

    Johnson

    1. Johnson, Assuming that you would retire in next 13 years, you may look more in large cap and small portion in mid-cap. Invest in these funds. 1) Large cap – HDFC Top-200 / ICICI Pru focussed blue chip fund 2) Mid-cap – Reliance small cap fund / Franklin India smaller co’s / SBI Midcap fund 3) Balanced – You can check HDFC Prudence / ICICI Balanced fund.

  9. Hi Suresh Sir,
    I am 33 and serving as a govt servant. I got one daughter. I can invest 4K-6K p.m and that to be in long term.
    My questions to u are
    Q.1. What is the best time to start investing in SIP as u know Market is on the higher side now a
    days, Is it the right time to invest or wait?

    Q2. Where to invest I mean which are the MF fur SIP longterm and date distribution fur those SIP?

    Q3. Where to buy these MF. Should I buy online or should I contact any broker?

    1. Manas, Best time to start SIP is TODAY. Dont wait for market to fall as it may not happen also. You can invest any date based on your salary date. You can open MF account with any broker and start SIP.

  10. Dear suresh,

    I am 36 old person I hve 4 lakh per annum and my wife getting 3.5 lakh per annum we have 9000 per month home loan emi.
    I purchased 25 cents in a remote area 10year back for Rs 5 lakh now the worth around Rs37 lakh now still holding., and I am residing 5 cent and a house in city that i was purchased 5 years back for Rs 15 lakh now the value is Rs 50 lakh.I am regular reader of ur articles and I am giving my other monthly investments and plan for next, pls advise or re allocate.
    Insurance

    Lic term insurance for 10 lakh
    Star health family floater for 4 lakh 6250/annum

    Invest ments monthly.

    1) Share wealth chitty 10 lakh 180 months, monthly 3500 avg
    2) FD CO OP BANK Rs 4lakh 10.25% (they providing non compond scheme but every quarte transffer to sb a/c then transffer to another fd.) This Iam planning to change Kosamattom ncd or both HDFC prudence and HDFC balanced for long term.

    PLANNED MUTUAL FUND SIP
    LARGE CAP
    HDFC TOP 200 Rs 2000 by 5th
    ICICI FOCUSED BLUE CHIP Rs 2000 by 5th
    BIRLA SL FRONT LINE EQTY Rs 2000 by 10th
    BNP PARIBAS EQTY Rs 2000 by 10th
    UTI OPPRTNTS Rs 2000 by 15 th
    LARGE &MIDCAP
    QUANTUM LONG TERM EQTY Rs 2000 by 15th
    ICICI DYNAMIC FUND Rs 2000 by 20th
    MID & SMALL CAP
    FRANKLIN INDIA SMALLER CO Rs 1500 by 20th
    HDFC MIDCAP OPPR Rs 1500 by 25th
    BALANCED FUND
    HDFC PRUDENCE FUND Rs 1500 by 25th
    HDFC BALANCED FUND Rs 1500 by 30th
    ammonts are ok.
    TOTAL 11 FUNDS Rs 20000 is this heavy? or reduce the fund and increase amount, then which funds are retain with how much monthly in each pls advice, If u r providing a portfolio with the above said information it will be a favour.
    my monthly expence is 15000 (including car petrol).
    I have one baby girl 4 yrs and planning to one more this year and thinking to MBBS in future.

  11. Hi Suresh Sir,
    I am 33 and serving as a govt servant. I got one daughter. I can invest 4K-6K p.m. and that to be in long term. My questions to u are
    Q.1. What is the best time to start investing in SIP as u know Market is on the higher side now a days, Is it the time to invest or wait?

    Q2. Where to invest I mean which are the MF for SIP long term and date distribution for those SIP?

    Q3. Where to buy these MF. Should I buy online or should I contact any broker?

  12. Dear Sir,

    i m 34 years old man . unfortunately i have not think till now to gain financial strength, i am already late to start with it. at present i m earning 30 + per month, i have three life insurance plan running , first one is 2500 /- quaterly (HDFC) Second one 5700/- is halfy yearly(LIC) and the final one is yearly 900 /- (LIC). Sir, i wannna earn 1 crore in 5-10 years. i will not mind taking moderate risk to achive my goals. but i m not very much intelligent in investing money. some of my frd suggest to invest in mutal funds and some in stocks too..so i gather little information as much as i can from here and there and more from your blog(thanks to your blog). and i have just started investing in SIP for amount 7 thousand rupees. in the follwoing SIP : 2000/- per month for ICICI pru dynamic plan,  2000 /- per month for Birla sunlife frontline equity fund, 1000/- per month for ICICI pru Infra and IDFC premier Equity A(G) for Rs. 2000 /- per month and the sip dates are 7th, 10 th, 15th, 29th respectively. have i done correct? please guide me to gain more quickly without taking much risk. kind Regards

    1. Faraz, Nothing is late. You can even start at 40+ age and create good wealth by disciplined savings approach and doing investments in proper investment options. Funds selected are good. Start adding more and more funds by doing more savings. This way you can create wealth in next 8-10 years itself.

      1. Dear Suresh,

        this is my second query to you and once again thankful for your Valuable advice and Service.

        My query:

        Lumpsome investment of 20 Lakhs distributed as Equity : Rs. 1200000,Debt   : Rs. 800000 among the following Funds ;( say for 3 years at least)

        1.HDFC Top 200 Fund – Growth

        2. UTI Opportunities Fund – Growth

        3. Mirae Asset Emerging BlueChip Fund – Regular Growth

        4.Reliance Equity Opportunities Fund – Growth Option

        5.HDFC Balanced Fund – Growth

        6. Canara Robeco Monthly Income Plan – Regular Plan – Growth

        7. Birla Sun Life Top 100 Fund – Growth

        Please advice me regarding the number of funds I have chosen, and also the funds combination.

        Please also let me know in specific about Canara Robeco Monthly Income Plan as I am a bit not sure.

        Thanks once again and heartful thanks to you.

        Regs,

        Aravind

         

         

         

        1. Good funds Aravind. However why you are investing in MIP plan. These are generally meant for getting regular income. You can remove this if your purpose is not to get regular income, but to create wealth

          1. Dear Suresh,

            thank you very much for your quick feedback.
            I invest in MIPs for a regular income only as this can be invested into Mutual funds through SIP every month.
            I do not know if this is really a good idea. But I thought is a better idea of investing a lump some amount.
            Importantly, I also want to mention that I would be withdrawing the Money only after one year and now now.

            Can you advice me here with my idea.

            Thanks once again.

            Best regs,
            Aravind

  13. sir 

        i want to invest money on ultra short term fund for five years? is it good option for short term investment ? if yes then pease provide me some good ultra short term fund who gaves good return ?

    1. Roshan, Ultra short term is generally for 3 to 9 months period. Since your investment horizon is 5 years, my suggestion is that you invest in short term funds / liquid funds and do a Systematic transfer plan (STP) to equity or balanced funds for 6 to 8 months. This way you can expect good returns in medium term of 5 years.

  14. Hi Suresh,

    I missed the recent bull market w.r.t the pharma funds.

    However, now I wish to start a pharma mutual fund for long term (more than 5 years)

    Which one would you suggest among the two? SBI Pharma Fund or Reliance Pharma Fund?

    In Moneycontrol.com, I see that SBI Pharma fund is better in terms of 1yr, 3yr and 5yr returns compared to Reliance Pharma fund. Also the portfolio holdings of SBI Pharma is better as compared to Reliance Pharma.

    Can you please guide me which one to go with? My risk appetite is 'aggressive'

    Regards,

    Anand

  15. hi sir pls send some good investment tips.. i m 30 yrs old and sea man.. need atleast 25000 p/m after 50 yrs of age///

  16. sir 

        what is nps ? how to invest on nps and its , terms , period and  benifits and interest also ?

  17. Dear Mr.Suresh,

    I am 58 year old working in Private sector.  Whatever savings plan I made were matured and at present I do not have any savings left.  I will get nominal pension from this year end (from PF office).  If I want to invest              Rs.10 Lacs to get a fixed monthly income, which plan should I choose?  Pl advice.

    Regards

     

    1. Hi Kumar, I felt best place to earn monthly income is post office MIS scheme. There are several other schemes offered by banks Senior Citizens Saving schem. You can approach banks too

  18. Dear Suresh,

     

    I am chasing few post related to investement since 3 months and trying to prepare myself to start investing into some confident funds now. I am a 26 year private sector working person & my monthly inhand salary is 63K. previously I have invested into real estate but didnt gain very much and even I beared the loss some how.

    I am very much scared as I started to invest in MF 3 years back but would not able to keep eyes on regular basis and could not earned any profit. I would like to ask you to advise me the best way that how can I save my taxes and make the investement portfolio???

     

    Which plan would be better to investment considering Private sector jobs does not hve Job security??

     

    Thanks for your guidance 

    1. Sachin, My suggestion is you start investing thru SIP in mutual funds 1) First try to read articles on my blog in mutual fund section before you start investing. Once you have become familair, invest in MF’s. 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 3) Invest in best ELSS mutual funds for tax purpose. Read this article. https://myinvestmentideas.com/2013/11/top-5-tax-saving-mutual-funds-elss-in-india-to-invest-for-2014 

  19. sir,
    i deposit 3000/- rs per month in sbi flexi smart insurance policy for 10 years from january 2013. how much i get if i paid only 5 years ? is this a good insurance plan fof good return ?

    1. hi roshan, all these are ULIP’s and you may expect 4% to 6% annualised returns. Pls check current NAV and fund value and then take a call and exit. Before you do anything consider adequate term insurance.

  20. dear Sir,

    I am working in Private Sector, currently i am getting Rs:53000/pm , my Investment is 1). LIC Rs: 20000/- per year 2). 1 Lakh in PPF every Year . i would like to invest more to gain hiher profits with lower risk. please suggest according to me.

    1. Hi Ramesh, Basically except for PPF, you are not making any other investments. My suggestion is that you should immediately open a RD account and consider investing in mutual funds through SIP. Consult ICICI Direct.co or fundsindia.com or any other mf broker. Once you open mutual fund account with them, try investing in balanced funds such as HDFC Prudence or ICICI balanced funds which are moderate to low risk investment options. Please come back to me in case you have any further questions.

  21. Dear sir,
    I had read ur articles. Ur articles are nice & very helpful. Thanks. I’m central govt employ. I have one chid. my monthly salary is rs 28000.i’m investing monthly in Lic jvn anand rs1000/m & ppf 7000/m. I want invest for 1.buying home in my tehsil aprr cost rs12lac, 2. Children education & marraige. So plz advise me where i have to invest? I’m low risky. Thanku.

    1. Hi Sidd, If you are low risk appetite investor, try investing in recurring deposits and balanced mutual funds like ICICI Balanced fund or HDFC Prudence fund

  22. hi suresh,

     i am 28years old and i want to invest 50000 rupees one time for 5 years .could you please suggest me where i can invest for good return. thank you for your help

    1. Hi Poona, There are several ways to do that. If you want to get monthly income, invest in Post office MIS scheme or MIP mutual funds. You can expect 8.5% interest rate per annum 2) If you want money at maturity, invest in bank FD or post office TD. Interest of 8.5% to 9% 3) If you can take high risk, invest in Shriram Transport Finance Secured NCD which would open for subscription on 2-Jul-14 where you can get 11.5% interest rates. This option is for 3, 5, 7 years tenure

    2. thank u suresh for ur suggestion.will investment in ultra short term in debt will result in good return?

  23. thank u sir for ur suggesation but my knowledge abt mutual funds is zero…….. so if u dont mind will u give me some short intro please 

    1. Hi Roshan, Open an account with ICICI Direct.com or Fundsindia.com. You need not pay any opening charges. Try reading articles on this blog. I have posted several articles under mutual funds section. You can invest as low as Rs 500 per mutual fund scheme every month (it would be like recurring deposit scheme where every month you need to invest)

  24. sir,
    i want to invest 5000 rs. per month for five years for good return. so please suggest me where to invest my money for growth ?

    1. Hi Roshan, You can invest in 2 ways 1) Invest in HDFC Prudence fund or ICICI Balanced funds which can get you 11% to 15% annualised returns. But this comes with some risk 2) Open a recurring deposit and start investing. You may get 8.5% to 9% annualised returns.

  25. Hello Suresh
    My age is 22 and i want invest money in good and reliable mutual funds for 10 years with less Risk…
    8k per month..

  26. Suresh,I have some surplus funds of @ 50 lakhs for next 6 months please advice me the best way to get max returns off it.

    1. Prasad, You can invest in several ways. 1) Bank FD’s offering 7% p.a. returns for 6 months. You can get 3.5% for 6 months. 2) Invest in liquid funds which provide 4% to 5% for 6 months period 3) Invest in ultra short term funds where you can expect 3% to 4% in 6 months period

  27. Dear Suresh,

    I expect forthcomming year banking and infrastructure funds may perform well. If my tought is correct, which fund i have to choose? In infra, franklin build india/Icici infrastructure/Hdfc infrastructure? and in banking sector relaince banking/icici banking and finacial services fund?-archana

    1. Archana, Your understand is right. For Infra funds, please refer my latest article on Infra funds. You can choose cople of them. Regd banking funds, you can look for reliance banking fund and ICICI banking and financial services fund, UTI banking sector fund. etc.

  28. Hai suresh,

    One time inversments long term (10 years) yearly 20% growth fund

    Any MF suggest me

    M..Yogesh

     

    1. Yogesh, I don’t think any lump sum investment can give you 20% returns for next 10 years. Still there is a plan 1) Invest in liquid or ultra short term fund 2) Create switch and transfer thru SIP every month to large cap funds 3) This way, your money would be invested in next 6 months to 1 year thru SIP in large cap funds. You can expect 13% to 15% annualised returns. Plan-B could be to invest in sector based funds thru switch method which I indicated above. You can invest in Pharma and Infra funds now thru SIP. There are good chances that you can get 15% to 20% returns in next few years. However these are high risk mutual funds

  29. Hai suresh,

    I am 36 old. I am  working IT industry. I am all ready inverst 4.00 Lak in share market but i didl not inverst MF i watch two MF

    1. HDFC infrastructure – growth

    2. ICICI prudential infrastructure fund-growth

     

    Time duration is 10 year

    Please suggest me

    Thanks

    M.Yogesh

    1. Yogesh, You have not invested in MF earlier. Jumping in sector funds which are high risk could be a problem for you. First start investing in large cap funds like HDFC top-200, ICICi focussed fund etc. Once you are familair about mutual funds, you can look for high risk funds like Infrastructure or Pharma funds which are sector based funds.

  30. Dear Suresh,

    I invested SBI FMCG in sip method from last six months. Still there is no appreciation from starting. Some experts told that in bullisg marget FMCG does not perform well like that. Can i switch this fund? If switch this fund means which fund i have to select? I choose sbi magum multiplier plus growth fund and sbi magnum muticap fund.Already you guide me to invest in Franklin bluechip 4 months back and its result also positive.i will wait for your response suresh-bala

    1. Hi Bala, I specified on some occassions in some of the articles, do not invest in FMCG funds now. Switch to better funds in large cap and mid-cap funds.

      1. Dear suresh,

        Thanks for your reply suresh.Which fund i have to switched from SBI FMCG to SBI Magnum midcap fund or SBI magnum multiplier plus sheme suresh?

        Thanks

        Bala

         

  31. Hi Sir,

    I want to invest 2000 per month for 2 or 3 yrs. Please help where should I invest like RD or Mutual funds. Which mutual fund ? Please help.

  32. Hi Sir,

    I am 23 years old and earning 28k per month , I want to save money for future for home , car etc kind of things and I can invest to up to 10k per month so can you please tell how to start and with which I have to start , My knowldge on investments is zero.

     

    Thanks in advance

    Swathi

    1. Hi Swathi, Good to hear that you are planning to save money in your early career. My suggesiton is you start investing in mutual funds to start with. You can invest in HDFC balanced fund and ICICI balanced funds to start with. Keep reading the articles on this blog so that you would know more about mutual funds and other investment options. Based on this you can further take investment decisions.

  33. Hi Suresh,

    I am very glad to have a look at your articles.

    I am 23 yrs old, I am working as an S/W Employee since 1 year, I am looking for better saving plans & tips. I have plans over my future like House, Car, some liquid cash by the age of 29/30.

    could you please guide me on how to reach my goals on a planned manner.. I feel your tips & suggestions will definitely help me to reach my future endeavors. 

    Note: I have no idea on any of the saving plans & investments except FD & RD.

    Please guide me. Thanks in advance.

    1. Anvesh, Good to hear that from 1st year of your career, you want to plan for savings. 1) At this age, your savings should be 80% of what you earn (Don’t laught) 2) Invest 30% in recuring deposits 3) Invest 50% to 70% in best performing mutual funds in large cap segment and balanced funds. Refer my articles on this subject

      1. Hi Suresh,

        Thanks for your information. I hope you are doing good. Need your advice on purchasing gold at this point of time is a correct move or not. One of my relative is coming from USA in a month to India, and i want to tell her to brought gold worth 1-2 lkhs to gift it to my mom. I heard that gold is also a part of savings. I heard that there is variation in price when we purchase gold from USA / Dubai compared to India. Please correct me If I am wrong & advice me on this. one more point i want to add to this context, Suppose if it’s a good move, i want to know the amount / worth of gold will be legally permitted to brought to India (I don’t want my hard earned money will be used for illegal / unauthorised means of purchase). Thanks in advance.

         

         

        1. Hi Anvesh, You should know 2 things 1) A male passenger can bring gold to India for a duty free amount of Rs 50,000 and Female can bring gold for Rs 1 1akh 2) You can bring up to 1 KG by paying 4% duty 3) Consider these points by comparing prices at USA and India and take a call.

  34. Hello Sir, i am 32 years old. I have 30k Salary. currently investing in 2k/month in RD. 1.5k/ month in Lic. I have HDFC term plan of Rs.50Lakhs. I want start investing Rs.3k from this Month. I have no knowledge about mutual Fund. Please advise if Mutual Fund investment is good for me & which is the best investment plan for me.

    Also I want to know Which investment plan is best between ULIP plan & Mutual Fund(through SIP). I came  to konw from Policybazar that Investing in UIP is bettter option that mutual Fund as 20% TDS will be deducted on maturity amount. Is it true?

    Pl. advise. Thanks

    1. Dinesh, At your age, you can invest in mutual funds, there should not be any issue. Please open a mutual funds account with any brokerage like ICICIdirect.com or fundsindia.com and start investing in balanced funds or debt funds. Once you are familiar on how mutual fund schemes run, you can invest in large cap and mid-cap funds to grow your money faster. Regd your second question, there are several readers who keep coming on this blog saying they lost ;lot of money by investing in ULIP’s. Please stay away from such things. If you invest in equity or balanced funds, the returns after 1 year are tax free. Some one gave wrong info to you that 20% tax would be deducted on such returns. However if you invest in debt funds, there would be tax as per taxation rules.

  35. Hello sir, I am investing 3 mutual fund through SIP. First is HDFC TOP 200,second is DSP black rock small & mid cap fund & third is Reliance gold fund.Whether this is good fund or either change/replace is required.If change is required pls suggest me name of fund.

    1. Hi Santosh, These are good funds. However you may not expect any good returns from gold ETF or gold funds as gold prices are stable. You can look this as long term investment.

  36. Sir,

    I am 33 now. i just wanted to invest around 6000 pm for the next 10 and more years for my child's future. pls suggest. The best time to invest pls mention that too.

    1. Hi Manas, Please invest in large cap mutual funds and balanced funds. Refer my articles on top funds in this category. You can expect good returns in 8 to 10 years. Please do keep track these funds on regular basis so that you would achieve good amount for your child future.

  37. Sir

    my age is 38. If income is around rs. 20000. What is possible way to invest in real estate as i want to purchase some property.  

  38. Dear Suresh,

    I checked with various banks for RD. The maximum period they are providong is 120 months.Is any scheduled banks provide more higher period for RD?

     

  39. Hi All, I am 30 yrs old first time investor in MF’s, as far as my porfpolio is concern I have invested in fixed deposits, PPF and also monthly deduction for EPF, Term and health insurance cover for myself, this way I am planning to secure my future with secure investments and insurance. Now as I said before I am planning to invest in MF and identified following funds to invest but not sure weather to go for lumpsum or SIP’s??

    I personally belive not to clutter with many funds so planning to invest only in 5 MF’s, 2 large cap funds (just to avoid stock market volatality), 2 Mid cap funds (for rapid growth) and 1 balanced fund.

    Large Cap Funds

    ICICI prudential focused Bluechip Equity (G)
    Quantum Long Term Equity (G)

    Mid cap funds
    Reliance Equity Opportunitis Fund (G)
    IDFC Premier Equity Regular (G)

    Balanced Funds equity
    HDFC balance fund (G)

    Please suggest me if I am going right, addtionally I am thinking of further investing on sectoral funds and my choices would be following.

    Reliance Pharma
    ICICI prudential Technology Reg

    Other option here I have SBI Pharma/Franklin Infotech fund but not sure of them, may be in future fancy my chances.

    Please suggest if my overall thought process is correct or not ??

    Regards,

    Dr. Anuj Sharma

    1. Hello Dr. Anuj, Your portfolio is good. This has a combination of large cap, mid cap and balanced funds. You are planning to add sector funds which are also good. However these sector funds are high risk. If you are high risk investor, go ahead and invest them. In future, if you want to add any funds, invest in large cap, mid-cap funds which can provide good growth in long term.

      1. Hi Sir,

        I am Shruti and I am working in IT industry , my salary is 35k. age 26. Could you please suggest me some investment plans where i can grow money other then FD/RD/PPF i have been investing in all three . need to know more on Pharma funds ? not sure im right just read somewhere and corporate fd or any other investment plans ?  

        1. Hi Shruti, nice to hear that at young age, you are thinking to plan for your future. Since you are young age, you can take some risk and invest in mutual funds and top rated corporated FD’s or NCD’s. Please see my recommendations on this blog. 1) For MF’s, you can look for Quantum long term equity fund, ICICI focussed blue chip fund, BNPP equity fund, Birla SL front line equity fund etc. 2) You can consider mid-cap funds too like HDFC mid cap oppos fund or Franklin India smaller companies fund etc.  Please note that mid-cap funds are high risk, but can provide good returns in long run. You can should pick-up such funds through SIP only. 3) Please refer our top rated corporated Fixed deposit schemes article. You can consider some of them 4) You can invest in Secured NCD’s which I am recommenning on this blog. These would be less risk as your money is secured against receivables or any other assets of the company. The above carry some risk, hence you should review our articles where I indicate positives and risks and then start invest in them. If you like our blog, please click on facebook like button.

  40. Dear sir,

    I am vikas 26 yr. married employee of a private company. I have a lump sum amount 1.5 lacs now to invest at a time. I am a moderate risk taker.Please suggest me can I go for a FD in banks or any plan of you which I should follow. .

    I haven’t much knowledge about MF investment.
    I want the money after 3 yr. For my sister’s marriage.
    Please guide me.

    Thanks
    Vikash
    9991544615

      1. Here are my suggestions:

        Option 1:
        1. Invest the money in bank FD. Not sure whether the investor is tax payer. if he is a tax payer then he has to pay tax from the interest earned from bank FD. In that case, invest in your parents or sister name (if they are not tax payee and consider other factors too)

        Option 2:
        1. Invest the money in ultra short term debt fund (like Religare Invesco Credit Opportunities Fund) and withdraw when it is necessary. Withdraw the money in 3rd financial year to get double indexation benefit. Even if you withdraw earlier, try to withdraw after 1 year (to save paying high tax on short term gains).

        Option 3:
        if he would like to take some risk,

        1. Invest the money in ultra short term debt fund and do STP to one or few of the Equity fund for two years (as he need the money on 3rd year; he needs to avoid the exit load). He may do STP upto 3K per month. But it depends upon his capability of taking risk.

  41. hi Sir

    i am current ly invested Rs 2000 per month for the last 3years on Kotak Super Advantage Regular (UIN-107L058V01) plan..

    your suggestion awaited for the foll 2 queries

    1  best option for one- time investment of around 3 lakshs..for longer term say 10 to 15 years

    2 want to invest in sip approx amount of 6000- 8000 rs per month …can you provide me 2 to 3 best options and amount classification

     

     

  42. Hi Suresh,

    I have started working in a MNC now. I am a beginner in investments. I do not have any investments. I have 15k in my hand and later on every month i can invest 6-7k.

    Please tell me where can i invest 15k currently and 6-7k monthly.

    Regards,

    Hiren

    1. Hiren, Your lump sum invest in bank FD. Since you are beginning in investments, I want you to play safe before understanding stocks or mutual funds or any other options. Regd 7K per month investment invest in ICICI Balanced fund or HDFC Balanced fund or top funds which I suggested last week. Choose 4 to 5 funds and invest them every month.

  43. Hi suresh,

    I am regular watching your articles it is nice, and I am planing to invest through sip in long time basis, I am selected some mutual funds details given below pls advise it is right and equally different categories. Pls advice if any fund is cut down, avoide or reduce the no of funds.

    ICICI PRU FOC BLUCHP.G. 1000 Rs

    UTI OPPORTUNITIES.G    1000

    BIRLA SL FRONTLINE EQTY.G  1000

    HDFC TOP 200.G.      1000

    RELIANCE EQTY OPPORTUNTY.RP.G.  1000

    RELIANCE GROWTH FUND.RP.G.   1000

    HDFC EQTY FUND.G.   1000

    ICICI PRU DYNAMIC PLAN.G.  1000

    HDFC PRUDENCE FUND.G.   1000

    HDFC BALANCED FUND.G    1000

    ICICI PRU BALANCED FUND.G. 1000

    ICICI PRU BALANCED FUND ADV.G. 1000

    IDFC PREMIER EQTY RGLR PLAN A.D. 2000(ALREADY STARTED 4YRS BACK)

    SUNDARAM SELECT MIDCAP.D.   2000(STARTED 4 YRS BACK)

    1. Hi Girish, You have selected good funds except for Sundaram Select-midcap, HDFC Equity and Reliance growth fund. Stay away from these 3 funds. Also, you are selecting too many funds. It may be problem tracking the funds. Invest in 5 to 8 funds maximum.

  44. Hi Suresh,

    I’ve just invested Rs. 1 lakh in SBI Pharma Fund a few days back. How long should I invest in order to get maximum returns ie. 1/2/3 yrs? How long will it take for my money to become double the amount? Thanks.

    1. Hi Lal, You are too fast. Mutual funds can provide good returns in longer run. However I am against putting lump sum money in sector funds. You should generally invest thru SIP so that all market peaks and downs would get adjusted. Wait to 3 to 5 years to get your money double.

  45. Hi Suresh,

    I am regular reader of your blog and articles on this website. At present i am 35 years and doing SIP in following funds:

    SBI Emerging Business Fund- Regular Growth Rs 2500/pm

    ICICI Pru Focussed Blue chip Equity Growth Fund – Rs 2000/-pm

    ICICI balanced Fund – Rs 2000/-pm (Te be started from march 2014)

    Now, i want to start one more SIP for Rs 2000/-pm , but dont know which type of funds should i take /invest . Please advice me in this regard. Further, i have come to know that SBI Emerging Business Fund is not doing well at present , should i continue the SIP or not ?.

    Regards

    Atul Kumar Sahu

    1. Atul, SBI Emerging fund is good fund and provided consistent returns. Don’t just see for past 6 months to 1 year performance. You can consider additional SIP’s such as Franklin India blue chip fund or ICICI Pru Top-100 fund etc., I am posting an article tomorrow, you can review that too

  46. Hi Suresh,

    Nice Article, I used to follow regularly your tips. Can you please suggest / correct me if below of my investments make sense ? Giving details Per month:

    HDFC TOp 200 – 2000 /ICICI Focused Bluship -1000/Birla FL Equity -1500 /Relaince Gold 1500/ Birla MNC-1000/Franklin india Blue CHip-1000 and ICICI Pru life (ULIP) : 5K permonth and LIC Jeevan Saral – 12000 per Annum and PPF per year 10000 .. Please note that last 3 are for tax saving and  remaining are Mutual funds for Investment . Could you also suggest me a Better Balanced Fund and 1 Debt fund for investment of Rs.1000/- for each fund.. I can go for Moderate risk and which should be useful to my Daughter's education after 10 Years.

     

    Please suggest me …. Best Regards, Srini, Hyderabad.

    1. Hi Srinivas, Good to know that you are investing in various investment options and diversifying it. Funds selected by you are good. You can invest in ICICI Pru balanced advantage fund and SBI dynamic bond fund or IDFC Dynamic bond fund (debt)

  47. Hi Suresh,

    I am planning to invest my bonus  which is to be due in next week or so. What do you think are best investment options for lumpsum? I was looking for tax free bonds but NHB oversubscribed long ago. I think NHAI also oversubscribed. Should i wait for next set of tax free bonds to come? Is there a chance of more tax free bonds coming through? or do they come normally at end of fiscal only?

    Thanks.

     

    1. Sandy, If you observe this year, tax fgree bonds have started from Aug-2013 itself and not year end. There would be some more bonds which are expected to come in next few weeks. You can wait.

  48. Dear Suresh,

    I am still in the learning phase in understanding many Investment options. So, please excuse me with my question.

    I know in general the advantages of SIP in MFs. But in  the point of view of monthly Investment, we do in buying the Units, are there specific advantages like no entry load, if we do it via SIP rather than purchasing the units without a SIP? I am only thinking why not be discipline and do a systematic investment every month and sometimes be flexible and buy more units when the NAV is good.I do not know if this is possible with a SIP as I understood we pay fixed amount evenry month.

    Thank you very much in advance for your valuable advice.

    Regs,

    Aravind

    1. Aravind, There are several advantages 1) No entry load, you are correct 2) Your transaction charges would be very less. e.g. fundsindia.com do not charge any transaction charges, but if you go for say e.g. ICICIdirect.com, they would charge Rs 33 per every SIP investment irrespective of amount. You can invest Rs 500 or Rs 5,000, it is immaterial. However if you go for purchase of every month, they charge Rs 100 per transaction. Hence your cost of purchasing them would be high. 3) If you have any extra money, purchase them seperately. 4) What happens if you miss to buy them in a month. I kept SIP on say 5th, it would automatically gets executed and units would be credited to your account. This is simple process. If you purchase every month it would be tedious job. 

  49. Dear Suresh,

    I am very happy to see so many people benefit from your valuable advices. I am also one among many Indians who is currently residing away from india but want to come back some time. At the moment I have 30 Lakhs of cash in one of the Banks in India. I am 35 years old with Wife and a daughter 3 years old. I do not depend/need much on these 30 Lakhs now, so want to invest completely so that it is useful for my Retirement. If I am aiming  close to 1.4 crore by the time I become 50(next 15 years), please let me know your advice where should I invest it. If I need to invest every year in addition to this 30 lakhs invetment, please also let me know. I am also an NRI, so should I look also for Tax benefitting policies for such an Investments.

    Thanks in advance for your Valuable advice.

    Regs,

    Aravind

    1. Aravind, Thanks for your valuable comments. There are several ways where you can invest your money. Since your money is in bank account in India, you cannot invest in NRE FD account. Otherwise you would have gained more 1) If you open NRO Bank account and deposit this Rs 30 Lakhs where you can get 9% returns minus 10% taxes (assuming you do not have any other income), your investment would be Rs 1.08 Crores after 15 years. You can add Rs 1 Lakh per month for 15 years to this NRO account so that you can accumulate total of Rs 1.4 Crores by end of 15 years. 2) You can invest these funds in liquid mutual funds and do a SIP into equity / hybrid mutual funds for next 12 months. Means you buy Rs 30 L in liquid funds and transfer STP (Systematic transfer plan) to atleast 5-7 equity + hybrid mutual funds for Rs 2.5 Lakhs per month each. This way you would not invest lump sum and pose risk for your hard earned money. You can choose top funds which I have been recommending, however choose less risk funds. You would be able to invest Rs 30L @ 11% returns (equity + balanced put together) and get Rs 1.43 Crores at the end of the 15 years. The above are few ways. You can invest in multiple options so that you can diversify your risk.

  50. Dear Sir

    I was a hotelier with 36 years experience in the hotel industry till nov 13 worked as dgm left

    the groups due to posting of outstation for longtime away from my home town chennai. Now

    that i would like to be on my own from now to do anything better to give  me an income  every

    month. I am 56 now. pls suggest. I was very much impressed  reading your articles.Thankyou. Uday

    1. Hi Uday, There are several ideas where you can make money. However it depends on your passion. What are you passionate about ? Choosing a business or source of income in that area would help you to achieve your goal.

  51. Hello Suresh,

    Hope you are doing good. I am following your blogs since some days, so now want to have some advise from your end. As of now due to some personal reason I have not been able to save much. But now want to have some calculated investment portfolio. I am 30 yrs old, a salaried person, having a house loan of 14k/month and 3k for LIC Premium. From next month onwards I am planning to invest 20k as followed (planning is for next 10 years):-

    RD = 10,000*12 months = 120k * 8.75%(interest) = 125k (shall invest in tax free FD/ normal FD each year upto 10th year) >> each FD will be doubled in every 8-9th years(assuming)

    SIP = 10,000*120 months * 10%(assuming)= 20,00,0000(approx) after 10 years

    I can calculate if I can maintain this investment, then after 10 years I can have approx 350k – 400k and after 20 years it can reach upto 800k-900k. Is this calculation is feasible or you can suggest anything more better.  Also please suggest some good SIP fund.

    Thanks in advance for your kind advise.

     

    1. Soumen, Point no.1 correct. Point no.2 shows Rs 2 Crores. If you invest Rs 12 Lakhs, your investment would not go to Rs 2 Crores @ 10 % returns. It would be approx Rs 25L. You can invest in ICICI Pru focussed blue chip fund or Franklin blue chip growth fund or Birla SL Frontline fund

  52. Hi Suresh,

    i have just started earing money and i want to invest my money so that i can get maximum return from it and i dont want risk factor is associated with any of my investment,kindly suggest me to where i invest my money.

    i am ready to invest 15000 per month,and i also want some guidence regarding investment.

    so that i can get higher returns on my investment.

    i am new to this investment world.

    thanks

    1. Hi Manoj, If you are new, start with balanced mutual funds like ICICI Balanced fund or HDFC balanced fund. Slowly you can consider other top funds in equity, diverisified, mid-cap segment.

  53. Hello Suresh,

    I have SIP in the following mutual funds.

    Franklin India Blue Chip — Rs. 1000

    HDFC Mid Cap Oppurtuniites — Rs. 1000

    ICICI Focused Blue Chip — Rs. 2000

    UTI Oppurtunities — Rs. 2000

    I am interested in investing Rs. 2000 more per month and I have shortlisted HDFC Prudence, HDFC Balanced, SBI Emerging Businesses, IDFC Premier Equity. Which of the following will be better so that I have a balanced portfolio representing all segments, i.e., Large, Mid, Small, Balanced in good proportion. If you feel anything other than the above four is good, please suggest to me.  Thanks

    1. Hi Sriganesh, you have selected good funds. Top 4 are diversified (2 in in large cap, 1 mid cap and 1 diversified). Regd second query, invest in HDFC balanced and SBI emerging business

      1. Thanks for your prompt reply Suresh.  One more doubt, I will be having a lump-sum amount of Rs. 10-15k after every 2-3 months and I would like to invest that amount. I am thinking of investing that in any of the above funds, as lump-sum, under the same folio. Which fund will be better as per your preference

  54. Hi Suresh,

    I would like to know whthwer it is advisable to buy gold coins in small denominations on online portals for the sole purpose of investment. Is it safe? Also do tell me whther it would be wise to invest in gold at current prices.

    1. Hi SK, I think you are saying buying physical gold through online portal. I don’t think that is safe. Prefer your local gold jeweller rathan than online. Instead invest in gold ETF’s which would be electronic form and you can keep them for long term investment. Like I said to some other reader, you should show interset in buying when gold prices are stable or when they are coming down and not when they are going up. 

  55. I would like to know some thing about
    Birla sunlife “Value And Momentum Fund”
    How is the background of this fund?
    Will it give good return’s in long run??

    1. Hi Shalin,  Looks this is ULIP fund where the return are 13% negative in last 1 year. I do not have complete details. If you are able to get 12% minimum annualised returns, you can consider it.

  56. happy new year sir, i  am 31 yr old doctor by proffession .i am salaried prson in govt hospital,my monthly income is 45 k, and i started work in nov 2013.so how i invest in mutual fund through SIP.i want good returns and taxbenifits as well. i want to invest for 5 to 10 yrs.so plz tell me about which mf is best suited for me

  57. Dear Suresh,

    Hope all well at your end !

    I want to invest a lumsum of Rs.25,000/=.

    I am ready for high risk, if iny.

    Please suggest one good scrip or mutual fund , where there can be chance of double the money in four (4) years. 

    Kindly advice . ( Ready for any risk )

    GOD BLESS YOU ABUNDANTLY !

    Regards- Kaushal

    1. Kaushal, I am fine, and I hope you are in good wealth and health. If you are high risk investor and want to invest for short term of 3-4 years invest in Reliance Pharma Fund + ICICI Pru techology fund in a combination. These are high risk funds, but provides good returns. You can expect your money to be doubled in 3-4 years.

  58. Hi Sir, Thanks for your articals , after reading your articals i start to invest in Mutual Fund from last year my current Fund are as below. for my all this investment credit goes to your articals. this invest ment for my future life & childs education. please suggest how long i need to stay invested in following mutual funds

    1) BSL focused blue chip – 3000 p/m

    2)BSL india Genext – 2000 p/m

    3) HDFC balanced Fund – 3000 p/m

    4)HDCF mid cap opp.- 2000 p/m

    5) SBI Pharma – 2000 p/m

    6) ICICI FMCG- 2000 p/m

    7) Axis Gold ETF – 1 unit p/m ( current approx. 3000 per unit prise )

    Please advise , my age is 29 , i am Working in Private Company 50,000 /- salery per month, 15000  Home loan emi, i have 50 L term plane & 5 L Mediclaim.

      1. Thanks for your reply sir, its mistake from me, fund nake is  BSL Frontline Equity Fund.

        also i want to invest more 3000 pm, where to invest in RD of in MF.

    1. Aravinth, One thing which I am not covering is stocks in secondary market. I am planning to do this in this year. I do not want to give any false impressions, let me get some confidence before I recommend any stocks.

  59. Suresh sir could you advice me to invest as I am planning to save now. Right now I am just adding to my PPF only. My investment is between 8000 to 12000 PM. Pls suggest me for a better future. Thanks

    1. Hi Manas, It depends. What is your risk appetite ? What is your age. If you are at young age, you can take high risk,  but if you are 50+, you need to invest in safe options only.

      1. Sir,

        I am 32 now. I am planning for my n my family future.So its around 8-10 years from now. And the most important when to start a SIP the best suitable time to start pls suggest.

        1. Hi Manas, The early you start, it would be better. You can start with as low as Rs 500 in your early stage and keep increasing and that could create Crores by the time your children grow up. I regret sometimes why I could not do this at my young age.

  60. Hi Suresh

      Happy New Year, I am looking for a monthly invest plan, where I can invest 10k per month

    and I get compounded interest calculated quarterly or monthly, please let me know the best plan.

     

    Thanks

     

    1. Prathibha, I am little confused. You want to invest 10K per month and also want to get monthly returns. This may not be possible. 1) You should invest monthly for specific period and expect a one time maturity or monthly maturities 2) Invest lump sum investment and you can expect monthly or quarterly returns. Which one you are referring to ?

  61. Dear Sir

    I am 32 year old and don't have understanding of market trends. My monthly income is 45k with a Home loan EMI of 20k. I want to invest Rs 5k monthly in mutual funds of different categories with monthly SIP of Rs 1k each. Kindly suggest me best mutual funds where I can accumulate my savings for minimum 5 to 10 years.

     

    With regards

    Piyush P

    1. Piyush, 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.

      1. Dear Sir

        Thanks for your advise. I have started SIP of 1k in follwing funds :

        1) KOTAK MIDCAP FUND – GROWTH

        2) ICICI PRUDENTIAL FOCUSED BLUECHIP EQUITY FUND – RETAIL – GROWTH

        3) RELIANCE PHARMA FUND – GROWTH

        4) SBI EMERG BUSS FUND – GROWTH

        5) TATA ETHICAL FUND – PLAN A – GROWTH

        Kindly provide your inputs on these funds .

        These investments done through Bajaj Capital. Is there any effect if we do invesments through financial companies.

        I also want to invest in JPMorgan Europe Dynamic Equity Offshore Fund with SIP of 1K. Your advise on this particular fund.

        1. Piyush, Kotak midcap – Pls review and exit. Others are good. Second query, no need to worry about bajaj capital as they are only mutual fund brokers. Regd third query I could not get this fund name. I could searched on ET, Money control I could not found this. Pls re-check

          1. Sir ! JP Morgan Europe Dynamic Equity Offshore is a new fund and its offer closes on Jan 31, 2014.

            If I quit Kotak Midcap Fund, kindly suggest me a fund with High risk for 3 to 5 years or whatever you suggest. What are the charges they deduct or will they allow me to discontinue the fund ? These all SIP's are only started in Jan 2014 only.

            With regards                                                                                         Piyush

             

          2. Piyush, I do not advice you to invest in NFO as the performance is not yet known. You can check existing schemes in this area and choose a fund. If you are high risk investor, invest in midcap or small cap funds. Alternative you can look for Pharma mutual funds like Reliance Pharma or UTI Pharma. Pls note these are high risk high return funds.

  62. Hi Suresh,

    Can you provide your thoughts on the below investment ideas for 2014:

    Investment for 2014:

    1. Mutual Funds – SIP of Rs. 1000 each in the below MFs:

        – Reliance Pharma Fund
        – Franklin Infotech Fund
        – ICICI Pru Focussed BLuechip Fund

    2. Gold ETFs – Is it good time to buy now? If yes then which ETF's?
    3. Tax Free Bonds – NHB – How much should one buy (an average investor)?

    Thanks….

  63. mid caps like ceat dishman orient papers have given huge returns

    i am a high risk taker so want to invest to get huge returns specially good quality low price stocks

    if anybody can suggest mail me on vinayjain29@yahoo.com

    1. Hi Sandeep, I love investing any investment option which is available at lesser price rather than at higher price when every body else would be buying. You should invest in Gold ETF’s now. It would also depend on what kind of investor you are. If you are short term trader, stay away. If you are accumulating this for your daughter or family, just go and buy. If you are long term investor, don’t think about such corrections, it is always good to buy at low prices.

      1. Thanks for your reply.

        You are right Suresh but my worry is reading articles on ET and newspapers that Gold prices will go down this year also and in future also. How do you see this?

        Also is there any advantage investing in Gold ETF's using SEP 's through icicidirect?  

        1. Sandeep, How you do make money when you cannot buy at low prices. Consider this as opportunity. If you still have any thoughts, invest in low amounts, but don’t stop. There are no specific advantages of investing in SEP in ICICIdirect.com, you may just accumulate units.

  64. Hi Suresh,

    A very happy and energetic new year to you and your loves ones.

    Earlier, I had a discussion with you regarding investment in mutual funds. As I have very little knowledge about this kind of funds and as I can invest a very small amount currently, I just want to know that will mutual funds be a safe idea? I have read thoroughly about all your articles in mutual funds and zeroed in on few funds which are mentioned below: 

    Large Cap- ICICI Pru Focussed Bluechip Fund- Rs.1000- for `10 years, to be opened on 5th January 2014

    Lage Cap- BNPP Equity Fund-Rs.1000 for 10 years, to be opened on 5th January 2014

    Mid Cap- SBI Magnum Emerging Business Fund-Rs.1000 for 6 years, to be opened on 10th January 2014

    Mid Cap-ICICI Pru Discovery Fund-Rs.1000 for 6 years, to be opened on 10th January 2014

    Balanced- ICICI Balanced Fund-Rs.1000    ,for 5 years,  to be opened on 15th January 2014

    UTI Opportunities Fund-Rs.1000, for 5 years,  to be opened on 15th January 2014

     

    Kindly let me know ,if these are good enough or is there any other better option than mutual funds. I've just started saving a year back.

     

    Thank you

    Anwesha

     

     

    1. Thank you Suresh.. Is the planning done correctly? I mean selection of no. of years and the dates. 

      Thank You

      Anwesha

  65. Hi Suresh,

    Wish you and family happy new year.

    I am planning to invest as below for my 4 month baby boy.

    Per month (15000)

    1. RD – 3000 per month

    2. SIP Mutual Fund

    ICICI pru blue chip fund 1000 per month
    ICICI dynamic fund 1000 per month

    3. PPF – 3000 per month
    4. Long Term FD – 4000 per month
    5. Blue Chip Shares – 3000 per month

    Please advise.

     

     

     

    1. Jack, RD+FD+PPF comes to Rs 10K. Which is two third of your entire investment where you are parking in fixed income option. Means you cannot expect more than 10% over all returns. At this young age, you can have two third in moderate risk investments like mutual funds. You can redesign your portfolio.

  66. Dear Suresh,

    Wish you a Happy New Year 2014.

    With regard to the investment in IPO, can you please tell me what is the minimum amount we can invest in IPO. Also, recommend some of the IPO to start investment immediately.

     

    1. Srinivasan, These are not stocks. These are IPO’s which are being issued newly each and every time a company goes public. Please read our recommendation about IPO’s. I would recommend as and when there is a new IPO issue is coming

      1. I am also interested on investing on IPOs. I will give a try this year. Do you have any recommendations on where to open Demat account? Is there anything else we need other than Demat account to invest on IPOs?

  67. Namaskarams

    May God bless you and your family with prosperous and happiness.

    I am going through your articles regularly and the essence your very useful for all

    Patience and apply of mind is very much necessary for good hand some return

    Keep it up

    regards

  68. Happy New Year Suresh! You forgot to mention the charm of Fixed Deposits. About all the banks provide an interest rate of 9.25%-9.5% for 15 months period, 400 days or similar unique period

    These are best risk-free options & again lock-in period is around 1 year. One can invest in these kind of FDs under the name of a non-earning member of the family.

  69. Hi Suresh Sir,

    I am following your blogs for more than a year. I rember last year you have suggested to invest in Pharma and FMCG sector and it has provided good returns over last 2-3 years. From last 6 months the FMCG sector is on the down side. Do you have any suggestion for the investors in FMCG sector.

     

    1. Hi Suman, As per my analysis this year FMCG sector should do good. If you are holding any FMCG stocks or funds, you should encash the SENSEX rise before elections.

      1. Suresh Happy New Year. I am investing around 5000 rs in SIP mode in couple of FMCG sector funds. Should I continue these funds throughout this year. Please suggest.

  70. As per Gyan given by you, i would suggest investing in Arbitrage Mutual Funds as there is an election in this year.

  71. Happy New Year Suresh, Gold prices have been declining in 2013. Can we expect a bounce back from this sector in this year.

    1. Shiv, There are elections this year. When there are elections SENSEX rises. When SENSEX rises, gold prices fall. The story reverses after few months of elections. Now you know why gold prices are falling. At global level gold prices are falling, but in India, they are generally stabilized. However my suspicous is about the trends during elections time. I would love to invest a big amount if this comes below Rs 2,500 per gram. I am waiting for an opportunity.

  72. Happy new year Suresh.

    Shall we invest in Liquid funds say “ICICI Prudential Liquid Plan (G)” and transfer to new FMP (when there is a nfo)? Is there any drawbacks of doing this method? Is there any additional charges if we do this transfer in a few days or month? On regular MF schemes we need to pay exit load 1% if we switch/redeem within a year and there will be tax deduction too for short term. How about investments in liquid funds?

  73. Hi Suresh,

     

    Happy New Year.
    Thanks for the article. I'm a frequent reader of this blog for almost a year and I've asked even two questions about investment diversification on this(for which you gave a prompt reply).

    Now coming with my third question (probably an advice needed). As I already mentioned in my previous questions, I'm 25 and earning 45-48K per month.. I'm trying to diversify my portfolio, but I'm unable to do so as most of my money is spent on Family loans and other debts and I hardly save 2000 rs per month.. The only insurance (not investment) I'm doing is 2 LIC policies with 10k/6 months.

    Staying in chennai away from my native (due to work nature) adds more expense. Need your advise on this..

    Also, as requested in Suggest-a-topic, need your insight on Investment Banking terminologies and how it works. Thanks.

    1. Hi Krishna, I am surprised that you are earning 45K, but save only 2K. Something wrong. You may be paying family debts, but you are saving only 5%. Unless we go thru all such debts, I would not be able to advice on how you can save more money. Please give at summary level, I would get back. 

    1. Hi Rajiv, Happy new year. Fixed maturity plans are good, however the returns are limited. They do not work based on market situations. At maturity irrespective of market conditions, they needs to be redeemed. Hence I personally do not like to invest as there are better options.

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