Best SIP Plans in Mutual Funds for 2019 for low risk investors
There are several SIP Mutual Funds in India. Some SIP plans are high risk and provide good returns. Some SIP Mutual funds are high risk, but one need to wait for a long time to get good returns. You may find it difficult to identify a high return mutual fund scheme if you are moderate to low risk taker. We have filtered some of the Best SIP Plans in Mutual funds for such investors in this article. Which are the Best SIP Plans that are low risk and provide high returns? Which are the Top SIP Plans in Mutual Funds for moderate to low risk taker?
SIP Plans for Moderate to low risk takers – What we meant here?
First of all, let us understand that Mutual funds does not eliminate risk at all. Even debt funds have become risky after IL&FS scam. However, if you can invest in mutual funds that invests partly in equity and partly in debt, you can reduce your risk. You can pick-up some of these low risk, high return mutual funds if you are a conservative investor or moderate to low risk taker. You can expect 15% to 20% annualized returns if you can invest for 10-20 years time frame.
Who should not invest in this Low risk and High Returns Funds?
Here are some of the investors who can stay away from these mutual fund schemes.
1) If you are thinking to make quick money in the stock market, these mutual funds are not for you.
2) If you are a high risk taker and willing to invest in midcap/small cap funds, then you can ignore this article.
3) If you are thinking that SENSEX would grow in coming years and expect to get returns similar to that of SENSEX or any Index, you may skip these SIP plans.
How we analyzed these Best SIP Plans in Mutual Funds for 2019 that are Low Risk and provide High Returns?
We have filtered these low risk, high return MFs based on some of these key parameters.
1) Mutual fund scheme whose strategy is to invest in equity + debt instruments. These are hybrid in nature.
2) Mutual Fund schemes that have performed well in 1 year, 3 years, 5 years and 10 years time frame when invested through SIP.
3) Mutual Fund Schemes that have overcome losses in the last 1 year as stock market being volatile these days.
4) Funds that have good rating by Value Research Online
5) Funds that have good rating by Crisil.
6) Mutual Funds that have AUM of over ₹ 500 Crores which gives confidence to investors.
Some of these hybrid MFs have not performed well in the last 1 year as stock market being volatile. You need to keep this aspect aside, as your goal is to invest for long term of over 10 years.
5 Best SIP Plans in Mutual Funds for 2019 – Low Risk and High Returns
Let us jump into these Best Mutual Funds to invest through SIPs.
Top#1 – ICICI Prudential Equity & Debt Fund
What is its investment Strategy?
The mutual fund aims to generate capital appreciation by investing in a portfolio that is invested in equities and related securities as well as fixed income and money market securities. The approximate allocation to equity would be in the range of 60% to 80% with a minimum of 51%, and the approximate debt allocation is 40% to 49%, with a minimum of 20%.
How is the Performance of fund in case of SIP investment?
If you would have invested ₹ 1,000 per month through SIP for 10 years, the invested value would have been ₹ 120,000 (₹ 1,000 x 120 months) and the value of the fund would have now grown to ₹ 2.6 Lakhs.
If you would have invested ₹ 1,000 per month through SIP for 5 years, the invested value would have been ₹ 60,000 (₹ 1,000 x 60 months) and the value of the fund would have now grown to ₹ 78,000.
If you would have invested ₹ 1,000 per month through SIP for 3 years, the invested value would have been ₹ 36,000 (₹ 1,000 x 36 months) and the value of the fund would have now grown to ₹ 40,000.
How is the Performance of fund in case of lump sum investment?
This mutual fund scheme gave 15% annualized returns in the last 5 years and 17% annualized returns in the last 10 years. If you would have invested ₹ 1 Lakh 5 years back, your investment would have grown to ₹ 2.1 Lakhs. If you would have invested ₹ 1 Lakh 10 years back, your investment would have now grown to ₹ 4.8 Lakhs.
Why to invest?
This fund has been performing well in the last 10-20 years. This fund gave highest SIP returns in this segment. Since inception (last 20 years), this fund has given 14% annualized returns. VRO rated this as 4 Star. This is one of the Best SIP Plans in India in 2019 which is low risk and can provide the highest returns in the next 10-20 years.
Top#2 – HDFC Hybrid Equity Fund
What is its investment Strategy?
The Scheme seeks to generate capital appreciation / income from a portfolio, predominantly of equity & equity related instruments.
How is the Performance of fund in case of SIP investment?
If you would have invested ₹ 1,000 per month through SIP for 10 years, the invested value would have been ₹ 120,000 (₹ 1,000 x 120 months) and the value of the fund would have now grown to ₹ 2 Lakhs.
If you would have invested ₹ 1,000 per month through SIP for 5 years, the invested value would have been ₹ 60,000 (₹ 1,000 x 60 months) and the value of the fund would have now grown to ₹ 70,000.
If you would have invested ₹ 1,000 per month through SIP for 3 years, the invested value would have been ₹ 36,000 (₹ 1,000 x 36 months) and the value of the fund would have now grown to ₹ 38,000.
How is the Performance of fund in case of lump sum investment?
This mutual fund scheme gave 16% annualized returns in the last 5 years and 19% annualized returns in the last 10 years. If you would have invested ₹ 1 Lakh 5 years back, your investment would have grown to ₹ 2.1 Lakhs. If you would have invested ₹ 1 Lakh 10 years back, your investment would have now grown to ₹ 5.7 Lakhs.
Why to invest?
This fund has been performing well compared to its peers in the low risk high return segment. This fund gave good SIP returns in this hybrid segment. Since inception (last 13 years), this fund has given 16% annualized returns. VRO rated this as 4 Star. This is one of the Top SIP Plans for 2019 to invest in India for the long term.
Top#3 – SBI Equity Hybrid Fund
What is its investment Strategy?
The mutual fund scheme aims to provide investor capital appreciation along with the liquidity by investing in a mix of debt and equity. The scheme will invest in a diversified portfolio of equities of high growth companies and balance the risk through investing the rest in fixed income securities.
How is the Performance of fund in case of SIP investment?
If you would have invested ₹ 1,000 per month through SIP for 10 years, the invested value would have been ₹ 120,000 (₹ 1,000 x 120 months) and the value of the fund would have now grown to ₹ 2.4 Lakhs.
If you would have invested ₹ 1,000 per month through SIP for 5 years, the invested value would have been ₹ 60,000 (₹ 1,000 x 60 months) and the value of the fund would have now grown to ₹ 76,000.
If you would have invested ₹ 1,000 per month through SIP for 3 years, the invested value would have been ₹ 36,000 (₹ 1,000 x 36 months) and the value of the fund would have now grown to ₹ 42,000.
How is the Performance of fund in case of lump sum investment?
This mutual fund scheme gave 15% annualized returns in the last 5 years and 16% annualized returns in the last 10 years. If you would have invested ₹ 1 Lakh 5 years back, your investment would have grown to ₹ 2 Lakhs. If you would have invested ₹ 1 Lakh 10 years back, your investment would have now grown to ₹ 4.4 Lakhs.
Why to invest?
This fund too gave highest SIP returns in this hybrid segment. Since inception (last 23 years), this fund has given 16% annualized returns. VRO rated this as 4 Star. This is one of the Best SIP Plans in India that has been consistently performing in the last 20 years.
Top#4 – L&T Hybrid Equity Fund
What is its investment Strategy?
The MF scheme aims to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities.
How is the Performance of fund in case of SIP investment?
This fund came 7.5+ years back (94 months), hence let us compare equivalent performance. If you would have invested ₹ 1,000 per month through SIP for 94 months, the invested value would have been ₹ 94,000 (₹ 1,000 x 94 months) and the value of the fund would have now grown to ₹ 1.55 Lakhs.
If you would have invested ₹ 1,000 per month through SIP for 5 years, the invested value would have been ₹ 60,000 (₹ 1,000 x 60 months) and the value of the fund would have now grown to ₹ 76,000.
If you would have invested ₹ 1,000 per month through SIP for 3 years, the invested value would have been ₹ 36,000 (₹ 1,000 x 36 months) and the value of the fund would have now grown to ₹ 40,000.
How is the Performance of fund in case of lump sum investment?
This mutual fund scheme gave 15% annualized returns in the last 5 years and 12% annualized returns in the last 7.5 years. If you would have invested ₹ 1 Lakh 5 years back, your investment would have grown to ₹ 2 Lakhs.
Why to invest?
This is one of the consistent performing SIP mutual funds in the last 8 years that gave 12% annualized return since inception. VRO rated this as 4 Star. This is one of the good SIP Plans for 2019 that can be invested for next 8-10 years.
Top#5 – Franklin India Equity Hybrid Fund
What is its investment Strategy?
The mutual fund seeks to get long-term capital appreciation with stability of investment and current income from a balanced portfolio of high quality equity and fixed-income securities.
How is the Performance of fund in case of SIP investment?
If you would have invested ₹ 1,000 per month through SIP for 10 years, the invested value would have been ₹ 120,000 (₹ 1,000 x 120 months) and the value of the fund would have now grown to ₹ 2.2 Lakhs.
If you would have invested ₹ 1,000 per month through SIP for 5 years, the invested value would have been ₹ 60,000 (₹ 1,000 x 60 months) and the value of the fund would have now grown to ₹ 74,000.
If you would have invested ₹ 1,000 per month through SIP for 3 years, the invested value would have been ₹ 36,000 (₹ 1,000 x 36 months) and the value of the fund would have now grown to ₹ 40,000.
How is the Performance of fund in case of lump sum investment?
This mutual fund scheme gave 14% annualized returns in the last 5 years and 15% annualized returns in the last the last 10 years. If you would have invested ₹ 1 Lakh 5 years back, your investment would have grown to ₹ 1.9 Lakhs. If you would have invested ₹ 1 Lakh 10 years back, your investment would have now grown to ₹ 3.9 Lakhs.
Why to invest?
This is one of the consistent performing mutual funds in the last 21 years that gave 14% annualized return since inception. VRO rated this as 3 Star. This is one of the Best SIP Plans to invest in India for long term of 10-15 years.
Summary of Best SIP Plans in India for 2019 is here
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Suresh
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Hi, which mutual fund is low risks and high return s. Pls mutual fund name.
You can consider any of these funds which are low risk and can provide high returns
Hi Suresh Ji,
Please suggest should I redeem Motilal Oswal Ultra short term fund- I parked some amount for STP to Multicap35, but UST fund is already down 9%.
Thanks.
Ashish
Hi Ashish, this fund has exposure to IL&FS entities and based on the scam, the fund NAV has fallen. Now you don’t need to worry as the negative is already considered in the latest NAV, you can continue as of now.
Hi Suresh,
I have the below SIPs in my portfolio and both going negative, please suggest what should i do in this case?
DSP Small CAP Fund- Regular Plan- Growth
Franklin India Smaller Companies Fund Growth
Thanks,
Suresh
Hi Suresh, Both are good funds. However due to down trend in small cap and midcap stocks, you are seeing such negative returns in these small cap funds. Thats I I always advice to invest in a portfolio that has largecap, diversified, midcap, small cap and balanced funds. This way if any down trend in one particular fund would not impact you much in your MF portfolio
Thanks Suresh. I do have investments in other below funds. Hope my overall portfolio is good. Please suggest, is there anything i have to do.
Franklin India Focused Equity Fund GROWTH
ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND – GROWTH
ICICI PRUDENTIAL BLUECHIP FUND – GROWTH
SBI BLUE CHIP FUND – REGULAR PLAN – GROWTH
L and T MIDCAP FUND – GROWTH
ICICI PRUDENTIAL VALUE DISCOVERY FUND – GROWTH
HDFC BALANCED FUND – REGULAR PLAN – GROWTH
HDFC HYBRID EQUITY FUND – REGULAR PLAN – GROWTH
Thank you very much for your review and suggestion,
Jey Suresh
Good Portfolio where it has largecap, diversified and balanced funds. Continue to invest in these funds
After the Budget AND DHFL scam
1) would you like to give NEW & latest choices of best MFs / SIP Funds list for low risk high return And All other recommendations which you made before 1st Feb 2019
A NEW survey in view of the above SCAMS IL&SL & DHFL .
These things are making things confusing & difficult to follow by senior citizen of my age of 72 years plus
Hello Rajendra, The way you and me are thinking, even fund managers are thinking of such risks. You can leave that to fund managers. There would not be any change in our portfolio recommendations as these risks would continue in future too
Thanks Boss..
Dear Mr. Suresh
Good day, Can i invest in Escort Mid cap / Miare Blue chip / Kotak Midcap , can you suggest wich one is good to invest from the same..
You can invest in Mirae blue chip fund and Kotak Midcap fund
Thanks Boss..
Hi Suresh,
I have currently invested in the following Mutual Funds:-
ABSL Equity Advantage Fund: 5000 pm
Reliance Small Cap Fund:- 5000 pm
I just reviewed the ASBL Mutual Fund and found out that its rating has dropped significantly since I started investing in it. I have availed for a 5 year period out of which 1 year has passed. Do I continue or exit? Moreover, I would like to invest in 2 more mutual funds. Considering my portfolio do I invest in 2 mid caps or 1 mid & small cap? Thanks in advance for your help.
Hello Ameya, ABSL equity advantage fund is largecap/midcap fund. Its longterm perspective is good. You can continue to invest for medium to long term. Regarding additional funds, you can invest in ICICI focussed blue chip fund, ABSL Frontline equity fund from largecap/diversified segment and ICICI Debt and equity fund and HDFC Hybrid fund from balanced segments. This way you would have diverisifed/largecap/smallcap/balanced funds in your portfolio
Hi Suresh
My Fixed Deposit of Rs, 9 lakhs will be matured by March 19. I want to invest this amount in Mutual Funds without taking much risk as I am 68 years and still active in profession. I may not need this money for 3 to 4 years. I have Bank FD 70 L, ELSS investments in ABSL, DSP & L& T mutual funds totalling to approximately 15 lakhs. Share investment of 3 Lakhs and rental income of 35000/- pm. Please suggest where I will reinvest, as except ELSS, not much idea of other MF schemes. Regards. Amit Mukherjee
Hello Amit, Since you want to invest only 3-4 years, you cannot invest in equity mutual funds. If you can invest for 5 years, balanced mutual funds could be best one. You can check the balanced funds indicated in this article.
Sir I want to 2lakh lumsump investment and one sip
Please help me because I am beginner in mutual fund.
Shailesh Kumar Singh
Hi Shailesh, Since you are new to mutual funds, you can start with the balanced funds indicated in this article. You can invest Rs 2 Lakhs in liquid funds and do STP (it is like SIP where your amount would transfer from liquid fund to equity fund) for 3 to 6 months to couple of balanced funds indicated in this article
Can you please let me know your thoughts on gammon infrastructure , GTL infrastructure, Sunil high-tech, sanwaria,capital trade links Ltd,HBL power and Suzlon energy shares .I bought at very High price in bulk but now all are at lows ..not sure what to do..
I am 72 , semi-retired Medical Doctor. I have 1.5 to 2 lakh per month of Rental & Proffessional Income . Will retire fully in few years.I have kept my horizon as 3-5- years
I Have 1.5 Crore in saving banks & transfered them to following DIRECT DEBT schemes (for conitinous almost assured income :-
10 Lakh RELIANCE ULTRA SHORT DIREC PLAN (G)
10 Lakh SBI Magnum ULTRA SHORT Duration DIRECT Fund(G)
10 Lakh ABSL FIXED TERM PLAN Series RN (1240 days) FMP
40 Lakh in Edelweiss Low Duration F DIRECT (G)
30 Lakh in KOTAK Low Duration (G)
REST of the Balance is going in SIP worth One Lakhs per month,on different dates in following:-
KOTAK STANDARD Multi-Cap FUND DIRECT PLAN (G)
ABSL FRONTLINE EQUITY FUND DIRECT PLAN (G)
ICICI PRU. BLUE CHIP fund DIRECT PLAN (G)
SBI BLUECHIP FUND DIRECT PLAN (G)
AXIS BLUECHIP FUND DIRECT PLAN (G)
Please SUGGEST is this OKAY or should I select from my DEBT Funds (from above list) into their RESPECTIVE GOOD EQUITY/HYBRID FUNDS BY STP
THANKS
Hello Dr. Raj. Glad to hear that at your current age, you are still thinking of investments in mutual fund schemes. The funds selected by you are good. My advice is to keep some money in debt funds for emergency money. Balance invest in debt funds and you can do STP to equity funds. you don’t need to invest in new funds, you can do STP to existing funds indicated by you. However the funds indicated by you are bluechip / largecap / diversified and there would be some risk. If you want to eliminate majorly, you can look for balanced/hybrid funds
I am 46 yrs old want to invest in mutual fund for 15 yrs. My SIP amount would be around 30000 p.m. Can I expect a corpus of 2 crore
Please recommend the funds.
Hello Dev, If you invest Rs 30,000 for 15 years @ 12% annualised returns you may get Rs 1.5 Crores. If the return is 15%, you may expect Rs 2 Crores. My advice is to invest 30K now and keep adding some additional money every year so that even if there is downfall or less returns, you would be able to achieve Rs 2 Crores kitty. You can invest in largecap, diversified and balanced funds indicated in this article link. https://myinvestmentideas.com/2018/11/top-best-sip-mutual-funds-to-invest-in-india-in-2019/
please write a feature on Small finance bank fixed deposits & its security &safety.
Sure. You can expect it by tomorrow (Saturday).
Hi Sir,
Appreciate the effort you put here. It helps people like us alot. I have a request from you that can you write on portfolio creation based on risk profile. Like mutual fund I should keep and how much % to invest in each when I am aggressive risk taker and when I am moderates risk taker. That would help a lot.
Thanks.
Sure Saurabh.
Thanks Sir.
Similar recommendation sought for Moderate Risk Investor also.
Regards
Sure sudhir. We would do that in next 2 weeks.
Thanks for your detailed and valuable analysis. Unfortunately I stopped investing in MFs since 5 years and I feel no regret.
I believe, in equity or equity related investment only 10% of people make money and 90% of people lose investment.
So I would like to be in 10% for that I need to wait.
Hello Raj, Let me know what period you invested and how you invested (SIP or Lumpsum). Do you know why investors do not make money? They invest when others are running (bull run) and sell when others are washing away the hands( bear phase). Hence you should invest for long term of 8-10 years. If someone says they did’nt make money in 10 or 15 or 20 years, someone is fooling us. I would eagerly wait for your comments about when you invested and mode.