Best stocks to buy in India in 2013 for long term investment
Investment in the stock markets has provided annualized returns of 19% in the last 10 years. The returns from the stock market beat all other investment options. Earlier we have detailed about how to do stock research in identifying the best stocks. In this article we have identified some of the best stocks to buy in India for long term investment from large cap sector.
Best stocks to buy in India in 2013 for long term investment
- ICICI Bank: ICICI Bank is the largest private sector bank comparing to its asset base. The loans are expected to grow at approx 20% for FY 13. ICICI Bank capital adequacy ratio is around 18% to 19% which provides good opportunity to ramp-up its business. Currently it is trading at ₹ 1122. This is one of the best stocks to buy in India for long term objective.
Why you should buy ICICI Bank?
- Consistent good performer in the last 5 years
- Revenues have grown by 29% (QoQ i.e. last year same quarter vs current year quarter) in Q2-FY13 and 29% (YoY) in FY12.
- Profits have grown by 30% (QoQ i.e. last year same quarter vs current year quarter) in Q2-FY13 and 25% (YoY) in FY12.
- EPS is growing year on year ₹ 37 in 2008 vs ₹ 56 in 2012.
- Top mutual funds holding highest share in their portfolio
- UTI Dividend Yield Fund 8%
- HDFC Growth Fund 8%
- ICICI Pru Infrastructure 8%
- SBI Magnum Contra Fund 8%
- SBI Magnum Multiplier Plus 8%
- HDFC Equity Fund 8%
- DSP-BR India TIGER – RP 7%
- HDFC Top 200 Fund 7%
- Tata Consultancy Services (TCS): TCS is the one of the largest and oldest IT Company in India. Currently TCS have 1000+ active clients and 2.4 lacs of employees. TCS is outperforming Infosys and Wipro in terms of growth. Currently it is trading at ₹ 1258.
Why you should buy TCS?
- This is one of the good stocks to buy in India for 5 to 10 years investment objective.
- The revenues for the last year FY12 has crossed $ 10 Bn.
- Revenues have grown by 27% (QoQ i.e. last year same quarter vs current year quarter) in Q2-FY13 and 32% (YoY) in FY12.
- The revenue growth for FY13 and FY14 is expected at 14-15%.
- Profits have grown by 17% (QoQ i.e. last year same quarter vs current year quarter) in Q2-FY13 and 44% (YoY) in FY12.
- EPS is growing year on year ₹ 46 for FY2008 vs ₹ 56 in FY2012.
- TCS has multiple margin levers where it is able to absorb the salary increases year on year.
- Top mutual funds holding highest share in their portfolio
- Axis Equity Fund 5%
- Axis Focused 25 Fund 5%
- HDFC Long Term Advantage 5%
- Quantum Long-Term Equity 5%
- IDFC Classic Equity – A 5%
- IDFC Imperial Equity – A 5%
- L&T India Large Cap Fund 5%
- SBI Magnum Multiplier Plus 4%
- UTI Long Term Advantage 4%
- HDFC Core & Satellite Fund 4%
- State Bank of India: SBI is the largest bank in India. SBI has been consistent performer year on year with its large base of customers. Currently it is trading at ₹ 2,333. This is among the good stocks to buy in India in banking sector.
Why you should buy SBI?
- Revenues have grown by 14% (QoQ i.e. last year same quarter vs current year quarter) in Q2-FY13 and 30% (YoY) in FY12.
- The revenue growth for FY13 and FY14 is expected at 14-15%.
- Profits have grown by 30% (QoQ i.e. last year same quarter vs current year quarter) in Q2-FY13 and 41% (YoY) in FY12.
- EPS is growing year on year ₹ 106 for FY2008 vs ₹ 174 in FY2012.
- Estimated EPS for FY13 is ₹ 214 and FY14 is ₹ 248 which indicates that profits would grow in future.
- Top mutual funds holding highest share in their portfolio
- HDFC Equity Fund 9%
- HDFC Infrastructure Fund 9%
- SBI PSU Fund 9%
- HDFC Long Term Equity Fund 9%
- Reliance Vision Fund – RP 9%
- HDFC Top 200 Fund 9%
- Axis Focused 25 Fund 9%
- Sundaram Fin-Serv. Opp 9%
- Reliance Banking Fund 7%
- Reliance Quant Plus – RP 7%
- Infosys: Infosys is the 2nd largest IT Company in India. The revenues has crossed 7 Bn. Current market price is ₹ 2,292.
Why you should buy Infosys?
- Revenues have grown by 22% (QoQ i.e. last year same quarter vs current year quarter) in Q2-FY13 and 23% (YoY) in FY12.
- Profits have grown by 28% (QoQ i.e. last year same quarter vs current year quarter) in Q2FY13 and 31% (YoY) in FY12.
- EPS is growing year on year ₹ 78 for FY2008 vs ₹ 145 in FY2012.
- Estimated EPS for FY13 is ₹ 164 and FY14 is ₹ 176 which indicates that profits would grow in future.
- Top mutual funds holding highest share in their portfolio
- Reliance Quant Plus – RP 11%
- ICICI Pru Services Indus. 10%
- Tata Equity Opp. Fund 9%
- HDFC Long Term Equity 9%
- UTI Services Industries 8%
- HDFC Growth Fund 8%
- IDFC Imperial Equity 8%
- Kotak 50 8%
- ICICI Pru Target Returns 8%
- ITC: ITC is one of the consistent performers in the FMCG sector. Current market price is ₹ 288.
Why you should buy ITC?
- This is one of the best stocks to buy in India in FMCG sector as it performs well even in the bear market.
- Revenues have grown by 18% (QoQ i.e. last year same quarter vs current year quarter) in Q2-FY13 and 17% (YoY) in FY12.
- Revenues are growing at an annualized growth rate of 18% in the last 5 years
- Profits have grown by 21% (QoQ i.e. last year same quarter vs current year quarter) in Q2-FY13 and 23% (YoY) in FY12.
- EPS is stable at ₹ 8 in the last 5 years.
- Top mutual funds holding highest share holdings in their portfolio
- IDFC Equity Fund 8%
- L&T India Large Cap Fund 8%
- UTI Equity Tax Saving 8%
- Morgan Stanley Growth 8%
- UTI Top 100 Fund 7%
- L&T Equity Fund 7%
- SBI Magnum Equity Fund 7%
- UTI Contra Fund 7%
- ICICI Pru Top 200 Fund 7%
- IDFC Classic Equity 7%
Conclusion: The above best stocks to buy in India are for long term investment objective. Since the market is in the peak level now, any correction in these stock prices, investors can grab the opportunity of buying them for long term. Ultimately the goal is to invest in best investment options and multiply the money.
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Suresh
Best stocks to buy in India in 2013 for long term investment
Founder at Myinvestmentideas.com
Suresh KP is a seasoned financial expert with over 20 years of experience. He is NISM Certified Investment Adviser and Research Analyst. For more about his expertise and certifications, visit About Suresh KP
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Hello sir,
I am planning to invest in stock for the duration of 10 years .Can you suggest few best profitable mid cap stock?
Thanks& Regards,
Sajikumar
Your Suggestions on different queries in respect of investment in capital market very much interesting. I am really convinced and inspired by your replies or suggestions. So I am planning to invest in Capital Market very soon. So I request your permission to write to you whenever your expertise will require before taking any decision on investment . Waiting for your reply.
Thanks and Regards.
Shyam Mondal
Thanks Shyam. You should decide how much to invest and time frame. Also consider goals if any. Based on this, I can suggest you suitable plan
Hello Sir,
I have shorlisted following companies for investment.
Asian paints,
ceat tyres,
yes bank,
marico,
finolex industries,
pi industries,
havells,
rane Asian paints, ceat tyres, yes bank, marico, finolex industries, pi industries, havells, rane holdings, hatsan agro, godrej consumers. Mi ya companies short list kelyat. ,
hatsan agro,
godrej consumers.
Sir I want ur suggestion regarding these companies.
Vikas, I am not doing much analysis on listed stocks. I would not be able to advice at this point of time.
hi sir
can you sugesst best share to buy this financial year ..i am a invester not trader so please suggest me some best share to buy this financial year..i am a beginer and a small invester so plz suggest according to that..right now i have bought tita comapny ltd.ashok leyland,gujarat state fertlizer and chemical ,century plyboard and rain industries company shares aroun 10 each of comapny shares .please suggest about these comapny shares and another best to buy.
thanks and regards
shekhar
Shekher, Start with Tech Mahindra. I would recommend some more in coming weeks
ok sir,thanks a lot..your blogs help me a lot .
seeking for your next recomendations.
thanks once again
Hi Suresh,
I would like to know if I invest in MF or Shares, would I receive returns on quarterly basis?
I have opened trading and demat account from HDFC securities and HDFC bank for MF.
Can you also advise me on which MF to go with HDFC and shares?
I am not into SIP.
I would also like to know about MF's which are directly controlled by MF managers and shares also…
I am looking forward to invest very little amount of money for now, may be 1 – 2.5k/month or so.
Regards,
Amit Teli
Amit, Generaly investments into mutual funds or shares done to create wealth and not monthly or quarterly returns. However you may get dividend from shares which is not guaranteed. Similarly MIP Mutual funds would provide your regular returns, but not guaranteed. Hence treat them as growth purpose only. You can invest in large cap mutual funds like ICICI Pru focussed blue chip fund or Birla SL Frontline fund or Franklin India Blue chip fund etc. All mutual funds are controlled by respective MF Managers only. However you can invest directly by visiting their website or invest thru brokers like HDFC securities. You can invest as low as Rs 500 per scheme. Some kept a limit of Rs 1,000 in SIP.
Suresh,
I 've a question.. Whether this article needs revamp?? I could see this was written a year back and I doubt.. will it fit for the current time?? considering the value of the mentioned stocks.. If the article needs revamp, then suggest us with the best stocks for long-term.
Cheers.
Hi Krishna, These are some of the ideas an year back. The idea is these are good stocks, but you should look for stock price. If they are available at cheaper prices, you should grab them.
Its a very good article.But I have a query.I am a small investor who want to invest in stocks on SIP basis.I am willing to put 2k every month.But I dont know which stocks should I put my money.When market is falling every stock is looking attractive to buy.I want only blue chips.I have Nifty Bees also with me. Should I continue investing in Nifty Bees because i have too much confusion in stock selection.Kindly advise sir.
Nilesh, This is one of the tricky question to answer. I agree that during falling markets, every thing looks like a beautiful girl. We want to buy all stocks. I am writing an article about some winning stocks early next week, you can try them.
For the first time I came accross your site as I was trying to learn about the stock market. However, besides the above, if can guide more about making initial investment? What would be better investing in shares or mutual fund or both?
Thanks and regards.
NAVEEN JOSHI
Naveen, Good topic. My immediate answer is that Mutual funds would be a better option in comparing to overall features. But let me analyse both features, positivs and negatives and would revert next week with an article.
Dear Mr. Suresh,
Thank you for the wonderful articles and enlightment for financial planing and investment options.
I would like to do share trading, I have limited knowledge abt the same. Where do I start from (opening a Demat a/c) and a few tips to go abt. For now I want to start with small amt to gain some experience.
One more guidance required – A few SIPs that I have thought to invest Rs. 500 a month are
SBI Magnum
SBI MAgnum FMCG
HDFC balanced
Vinay, You can open with any brokerage firm like ICICI Direct or Fundsindia.com. See this article about best brokerage firms. https://myinvestmentideas.com/2013/02/how-to-choose-a-good-broker-for-demat-account-services/ You can enquire with them before opening the demat account. Regd MF’s, last two are good. But FMCG is high risk, high return investment. 1st one say SBI Magnum without further details, please let me know the complete name.
Dear Mr. Suresh,
I was hoping you could help me with that as I picked those up from a artcle of yours. If you can suggest a medium risk MF.
I have an a/c at SBI but I saw Angel Broking is a bit cheaper option as I am not very well worsed with trading should I start outright or wait?
Also I forgot to mention I have saved abt a lakh your advise on its investment I am 26.
Thanks and Regards.
There is no hard and fast rule on selecting brokers. If you are frequent traders, you should look for transaction charges, else you can consider anything. It makes small difference. Regd 1 lakh, you can invest in balanced mutual funds in phased manner (don’t just invest lump sum in one month) of 3 to 4 months so that you can take advantage of markets.
Thank you for helping me out.
Hi Suresh,
What's your view currently on Yes Bank & SBI FMCG Fund (G). Is it the right time to invest in Yes Bank & to start a SIP for SBI FMCG (G).
Nirupam, I have recommended this stock some time back. I cannot say whether this is right time, but you can keep this stock for long term. Regd SBI FMCG, Yes it is good fund, but high risk high return fund.
Dear Expert
Should I continue to invest in GOLD ETF? currently I am doing for last 2 Year with lum sum every 2 month
If you are long term player, stay invested in Gold ETF’s
Dear sir,
I want to know the name of stock which are very chip now (like Rs 10 or 20 per share)but can give me 500 % or 1000% return in coming 5 or 6 years.I don't know but i thing these chip stock are called "Small Cap Share".i hope you understood me.
Pradeep, I do not track in deep in stocks. I majorly focus on non stock investment options. Please let mw know in case you have any questions regd that.
HI Sureshji,
Need your guidance on the current investment scenario. I am a bigneer in this investment world. Though i keep timely investments towards my PPF account for tax savings. I am newly married and need timely returns for house purchase etc as demanded by the life in the long run.
Currently i am able to save around 50 K per month.
Can you please suggest.
Amit, if you are looking for long term investments, you can choose mutual funds as one of the option. Invest in large cap and diversified funds. But be sure that you don’t require funds for atleast 8 to 10 years. If you need money for your house in short to medium term upto 5 years, invest in bank FD or debt mutual funds or balanced mutual funds.
Dear Sureshji,
I want to invest 5 lacs(1 lakh/year) for 15 years. Can you please suggest me the different secure options available for that.
Raja, Looks you are looking for safe investment options. Please refer this article. https://myinvestmentideas.com/2012/11/top-10-safe-investment-options-in-india/
i want to invest 1 lac rupees these year so i can get good return after 3 years for my abroad studies
please suggest stocks which wiil increase in coming 3 years
thank you
Gaurav, Since it is for short to medium term of 3 years, you should look for low investment options. Invest only in bank FD or debt mutual funds. The returns can be anywhere between 9% to 11% per annum.
Hi Sir,
I have got such great time to read your guidence about all type of invesment guideline.
I would like to take your advise because of I am unknowledgable about invesment field.
As I am NRI but still don't have any invesment.
Can you please suggest me what would be the best sutable option for me where I am inverested for
One life insurance policy covrage of 50 Lac.include spouse bebeficiary facility
One health insurance policy of 5 lac.
One retirement pension plan
& the last famiely Health insurance plan
Where my invesment budget is 50 thausand per annum & i am at the age of 30 unmarried.
Please guide me what would be the best option where I should go for.
Regards,
Neeraj.
Neeraj, I advice you to invest in stocks, mutual funds and in Bank FD’s. To start, invest in diversified mutual funds and large cap mutual funds. Slowly shift your focus to othe funds and also invest in large cap stocks. I would soon publish some more stock tips for mid-cap and small-cap.
Dear Suresh, Waiting for your…. soon publish some more stock tips for mid-cap and small-cap for short term
Regards
Hi suresh, may I know stock or share are same thing which can be hold for long term looking at long term objective and how to go for that , if demat account then from where I can have demat account with low charges on me ,thanks
Rajesh, You need to open a demat account with any stock broker. I have written detailed article about some of the best brokers and their charges. You can review and take an account. https://myinvestmentideas.com/2013/02/how-to-choose-a-good-broker-for-demat-account-services/
Dear Suresh, Required an advice from a Experienced person like you.
since, we are seeing there is lot inflation going on with
Indian economy which is linked to US dollar and its reaching its new phase to hit in rupee may be it may go till 60Rs as per Media,and i have observed lot of emerging businesses are not performing as they expect to be soon or later if…in world economy may hit by any sort of so called recession,inflation,DE-appreciation which will effect Indian economy
what is your suggestion or advice that we investor must be vigilant like take profits or make alerts of our investments.
Prashant, Tell me what happnened in 1998-2000 and 2006-2007 ? It was the same recession, financial crisis etc., These are part of investment strategy. Indian stock markets have given 15% to 18% annualised returns in the last 10-15 years inspite of all so called such market sunamis. If you are short term investors, you may be worried. If you are long term investor, all these market and economic fluctuations would be taken care and you would get fair amount of returns. Please let me know your thoughts.
Suresh,Teach how the stock percentage is calculated,is it the same as bank.
My Doubt: I have a FD( 2013-2023) of 5 Lacs for 10 years =5,00,000 * 8.75%=43750 * 10= 4,37,500.
STOCKS= X Company share Value 1500 in 2013 and i brought 5,00,000 .
5,00,000 / 1500 =333 share on 2013,
the share have grown to 2000 per share in 2023 so my value profit is 500 * 333= 1,66,500.
pls clarify is this the calculation done with stocks if i am wrong i would request you to expalin briefly to your readers
Thank you
Prashant, The computation you have done for stocks are right. However in between if company declares dividend (profits shared with shareholders) in any year, that would also get added to your overall profits.
Dear Mr. Suresh,
I am impressed with this article and you other article on SEP.
Could you please recommend 3 stocks for SEP
I can invest Rs. 3000/- in total per month on SEP.
Awaiting for your valuable suggestion.
Regards,
Srini
Srinivas, Currently I am not recommending any stocks other than these.
Dear Suresh,
Thanks for the reply. Can I plan these stocks for SEP for a period of 3 – 5 years ?
Regards,
Srini
Srinivas, Please invest for long term. 3-5 years would be medium term and you may or may not generate good returns. Also as indicated in my article, please encash every fall in the prices of such stocks and invest more. This way you can earn more returns.
Hi,Suresh whats your opinion on IDFC Stocks for Short Term (1-2 years) or Long Term.
Prashanth, IDFC is doing good in terms of revenues and profits qtr on qtr and year on year. You can keep this for medium term.
Dear Suresh, I have quiries please…….
The Companies like TCS will come up for any future announcements in IPO's (New Project)
1.For any share we brought we can sell it at any time or time gap must be manitianed for an Investor
2.which one is good for shares BSE or NSE and why do they differ
3.what is Face Value
4.Your advise for stocks or IPO's
5.After Investing shares any possibility the particular company will be dissapeared.
what will happen? for the invetsor about their shares
6.online trading 3-1 account we can buy and sell instantly the shares.
7.shares or stocks which is correct.
Hi Prashant, IPO are intial public offering would come only once when company first issues its shares to public. 1) You can sell anytime, however you may make profit or loss if you want to sell at any point of time 2) Both these stock exchanges are good. Some companies follow-specific norms of NSE and would get listed only in NSE, similary in BSE 3) It would differ from company to company. For TCS, currently the facevalue is Rs 2; 3) Stock investments are good for long term players. IPO’s are also good, but they are yet to matured in stock markets, hence investors may react differently. e.g. SME IPO’s issued in Jan to Mar-13, none of them are good, but investors taken different and they are trading at 20% + 5) Yes, it is very much possible. Dot com burst in 2000 is classic example in US where several companies dis-appeared. It happened for few companies in India too 6) Yes 7) These are used interchangeably. If you are talking in stock market language, both are same.
sir, do u still think that in the present environment the stocks as detailed above can be brought for long term or should there be any change in strategy
reg
amarjeet singh
Hi Amarjeet, These are good stocks. No doubt. However they should be purchased at appropriate time. If you observe, I have specified my last line item athat you should buy at every level whevever there is a dip in prices for these stocks.
Hi Suresh, Stocks which you have mentioned are to be the best thats for sure .
TCS……. can you tell us more which we may rely on taking bit risk like if we invest for at least 10 years can we expect the avergae of ?
Prashant, TCS is one of the best Stock in IT sector. While Infosys kind of stocks are going thru some restructuring and slowdown, TCS kind of stock is good bet for long term among the IT sector. You can take a call on this.
Suresh Bhai,TCS is now trading 1450.70 @15/06/2013.the price you have mentioned in the above 1258 is not even in 2013,am i seeing any wrong please correct and is there any comission when i trade through brokers.If yes, is there any option where i can invest direclty wiht the company which excludes brokers etc.
Thank you
Prashant, This article was dated Dec-2012 indicating good stocks which can be looked in 2013 for long term. Except for brokerage transaction charges which ranges between 0.25% to 0.8%, there should not be any other charges with any brokers.
Hi ,suresh good to see such informative things , however may I know that out of thease top 5 blue chip stocks for long term objective, is it good to invest in ICICI and ITC for next 10 year with 2000 rs/monthly through sip . if yes then whom to approach to buy thease stocks As Iam new to investment nd looking for long term objective of next 10 year to increase my wealth Nd meet my personnel objective
Rajesh, You need to open a demat account to buy or sell stocks. Refer this article which was articulated for the people like you. https://myinvestmentideas.com/2013/02/how-to-choose-a-good-broker-for-demat-account-services/
Hi Suresh,
1. Your article was a interesting read. I request your views on fwg stocks, in which i have invested for long term(8-10 yrs) gains :-
BHEL
ITC
TATA STEEL
TATA POWER
KPIT CUMMINS
LIC HOUSING FINANCE
GATEWAY DISTRIPARKS
KAJARIA CERAMICS
FEDERAL BANK
APM INDUSTRIES
JHS SVENGUARD
OBC
MOTHERSON SUMI
2. Pl advice if i should continue SIPs in all of them or not. Also suggest if any changes.
Alchemist, it would be difficult for me to analyse so many stocks for you :-). There are blue chip stocks, mid-cap stocks, would review some time later and provide your feedback to your email
Thanks ….. for your time and effort.
Regards, Alchemist.
I want to invest in stock market for long term for my childrens education and for my retirement plans. Please suggest me on the best stocks like infosis. thank you.
Hi Raju, The onces I indicated here some of the good stocks you can invest for long term. However don’t just depend on stocks as they are high risk. Diversify your portfolio across stocks, mutual funds, bank fd, small saving schemes, gold etc.,
Hi Suresh,
Thankyou so uch for the prompt reply and the suggestion. I a bit confused about the difference between large cap , mid cap and small cap stocks. Could you please tell me which all stocks are large caps. And also I had bought the mutual fund from a broker long back but as of now i am not in touch with him. Dont have any details of him, so in such a case how can I sell it off and how to find out whats the current value of the mutual fund bought by me.
I used to buy it just for tax saving purpose but now I really want to understand the technicalities associated with F and stocks.
Thanks in advance
Warm regards
Preeti
Hi Preethi, if you see BSE Group-A-30 or NIFTY-50 are all large cap stocks. These are large capitalization (large-cap) companies which are traded on stock exchanges. How are you tracking your mutual fund units now ? If you are tracking on your own and you get regular statemnets from mutual fund houses, you can visit the mutual fund website and check for redemption (sell) process. What you were purchasing was Equity linked saving schemes MF’s (ELSS) which has a lock-in period of 3 years from the datd of purchase.
Dear Suresh,
Interesting and such informative blog. Thanks for sharing so much infromation. I want to invest 4 Lakhs in shares for long term where in I can earn somethign around 20 L returns in 3-4 years . Could you please suggest me the best shares to buy in next 1-2 months. Also I have bought a share of 20k of petronet @ 126/-, 40 k of bhel @ 183/-, 40k of nmdc @ 126/-. How long should I hold with these stocks. are they good for short investments. Please suggest.
I also wanted to know, how mutul funds are sold . i mean i have invest at least 1 L in mutual funds and how can I sell them now.
Thanks in advance.
Regards
Preeti
Hi Preeti, Stock market investmetn is a long term game. Thought I would not advicing you about a specific stock, invest in large cap stocks. Also when SENSEX is touching new highs, you need to be little cautious before investing in stocks. If you already have mutual funds, have you purchasd them earlier through a broker. If yes, you can sell thru the broker itself. If you have purchased them directly from mutual fund houses, you need to contact them through mutual fund house website and follow the process. Some do oniline, for some fund houses, you need to complete the documentation.
Suresh Ji,
This is first time i visited the website and found its very Informative. One stop solution for all your financial queries. Many Thanks to you.
Very Good Work. Keep it up.
Anant Joshi, Ludhiana (Punjab)
Hi,
This is only first time i visited this site and i liked your suggestions very much. thanks a lot for good work..
Can you pl let me know best 3 SIP's if i want to start investments in june? I will be looking for good returns with locking period of atleast 5 years. thanks in advance.
Swapnil, See out top post on Top-10 mutual funds in home page “popular posts”. There are 10 top mutual funds I recommended from various classes. If you are looking for long term, invest in diversified, largecap and balanced mutual funds.https://myinvestmentideas.com/2012/12/top-10-mutual-funds-for-sip-to-invest-in-2013/
Hi Suresh,
I read u r blog .. its sound good to me..
I have done SIP for the below MFs
Birla Sun Life Frontline Equity Fund – Gr
HDFC Top 200 Fund – Gr.
ICICI Prudential Dynamic Plan-Cum
Reliance Regular Savings Fund Equity Plan – Gr
Please let me know if I have invested in correct Mfs. or should I change them…
Thanks in advance for all u r advice and effort.
Dheeraj
Hi Dheeraj. All Mf’s selected are good except Reliance regular saver. ICICI Pru dynamic fund is defence stock, your returns would be low when markets are under volatile, but neverthless it is good MF. Reliance regular saver is Crisil-4 ranked MF. Returns are very low compared to even a bank FD. You should see an opportunity to get out of this and invest in better stocks. If you like my blog, pls give me facebook like.
Hello Suresh,
I am kind a newbie in this market. Whats your view on following scripts?? I am planning to hold for 3 to 4 years from now. I had bought following stocks within last 2 to3 month with the suggestion of broker agent.
Stock's:
ICICI bank, SBI bank, Indusind Bank, BHEL, L&T, ABB, Reliance, Reliance power, Reliance Infra, Sesa Goa, Hero MotorCorp, Maruti, Wockhardt, Asian Paints, Shree Cement.
I am seeing continue fall in this all stocks gradually. I am really looking suggestions from you that do I continue buying or wait for some more time to fall. Thanks in advance!!
Hi Modi, Some of the blue chip stocks indicated here are good. However I need time to analyse all of them
Thanks a lot for your input. Sure take your own time. Quick question do you see more fall into the market??. Again thanks so much for your time.
Regards,
Modi.
Dear Suresh,
I hold the following Mutual Funds ….would like your valuable suggestion on the same:
1)Sundaram Mid Cap
2) ICICI Banking and Financial
3) Reliance Banking
4) ICICI Discovery
5) Franklin Flexi Cap
6) Reliance Equity opportunities
BRs,
Krishnan M.N.
Krishnan, 1) Sundaram-Avg mutual fund with Crisil-3; 2) ICICI, pls give more info not able to make out the MF scheme; 3) Reliance banking- Sector based fund-High risk-invest small portion only; 4) ICICI Discovery-good defence stock-good for long term in volatile market; 5) Franklin flexi-Avg fund with crisil-3 ranking 6) reliance equity opps-Crisil-1-good MF for long term. If you like my blog, please give me a facebook like 🙂
Dear Sureth
Thanks fot the article. I am an NRI and I have monthly saving of around 2 lacs. How can I invest this money into stocls ( as long term investment) or is it better for me to make fixed deposits.
What would be more advisable, stocks vs mutual funds vs FD or to start a business if I can invest 2 lacs/month? This has been my corrundrum and I would really like to seek your opinion on it.
Best regards
Hiren
Stocks – High risk high returns, FD are low risk, low returns. Mutual funds offer moderate returns and moderate risks. You should invest in MF’s to start with.
Hi Suresh,
The article has highlighted very pertinent points and is truly an insightful reading. However, I am not able to figure out how the Q3FY13 growth numbers were arrived at, especially since the article was published on 22nd December. Is this a typo? Also, even if the growth numbers are for Q2FY13, ICICI bank for expample grew just around 5% q-o-q, whereas the article mentions a growth of 20%+! Am I missing something?
Hi Neeta, The quarter indicated was Q2 (Jul-12 to Sep-12) and not for Q3. I have corrected it. Also when I said improvement in the quarter, what I meant was the improvement compared to previous year same quarter. Like you, others also would have got similar doubt, hence now I have updated what does that quarter mean. Thanks for the feedback.
Hi Suresh,
i would like to buy some stocks for long term share, initially i will invest 12k, what is your advise for me, and i dont want any kind of interest business. please advise me.
Thanks.
Hi Haja, the funds I indicated here are good. However they are for long term. You can do SIP in stocks per month.
Dear suresh, thanks for the information on best stocks. I was a big looser and lost lot of money (5-6 lacs) in shares, commodities blab blab la…. at last I planned to invest in Mutual funds now.. also trading on F&O in stock market. Could you please give your valuable plan for short term or long term so that I can earn my money back… I can invest 10-15K per month…. Please suggest…
Satya, Just recall all those experiences and you would realise the mistakes you have done. Just ensure you do not repeat them. Invest in large cap stocks recommended here or largecap / diversified mutual funds for long term (refer top-10 SIP mutual funds for more details). Do not see for short term
dear suresh,m a middle aged woman with a 4 yr old daughtr. m a techr with Rs 10,000 as salary.my hsbnd is on a trnsferabl job n v keep moving evry 2 yrs,as a reslt i may nt b permanently on job. the remuneration may also go up n dwn.plz sugest a gud invstmnt plan ,keeping my constrans in mind.
Mridula, Since you indicated that your income is fluctuating, there are two options for you. 1) Open a variable recurring deposit (e.g. with Indian bank or any other bank) wherein you can select minimum amount of Rs 1,000 and can deposit any amount every month in case you have surplus. You would still get interest which was informed to you by bank when you opened VRD account. 2) Invest in diversified mutual funds or balanced mutual funds for long term through SIP. The min amt to invest by SIP per fund would be Rs 500 or Rs 1,000. All the best
Hi suresh, I want to invest in gold etf Gold bees. Pls suggest at what rate i should purchase. I want it for long term. Thanks – anup
Anup, Gold ETF’s are available based on the gold rates. Since gold rates are falling now and are available at Rs 2,980 per gram, it is an opportunity for us to invest for long term. There can be still fall in gold rates, but it does not matter as you are planning for long term investment
Hi Suresh,
Thanks for your service, Pl suggest the best stocks(below 500 INR) to invest for 5 years time frame.My target to close out my home loan.
Thanks in advance
Karthik
Karthik, I am in the process of preparing an article for some good mid-cap stocks, you would see that in next 1-2 weeks
Suresh,
We are waiting for your valuable post.. Pls post soon.. Cheers!!
Dear Suresh,
Well just missed to mention Even SUNDARAM MIDCAP is in SIP started Jan 2010, present status is 115 absolute return.What should we do….pull out or stay put.
Will appreciate your advise.
Regards,
Rajiv
Hi Rajiv, Sundaram select mid cap MF was one of the good mutual fund. However since mid-cap stock prices has fallen heavily the returns now are just comparable with any bank fixed deposit. You can stay invested by taking some risk. In case of any mid-cap stocks rising, you would see increased returns. However if you are comfortable with current returns, you may exit. These are high risk high return MF’s
Dear Suresh,
Thank you so much for your immediate reply . Much appreciated .For future investments , will follow your advise .Well have couple of more questions to ask .You have suggested to pull out of FT INDIA DYNAMIC FUND with good gains. I had invested in 2010 and at present its up by 17%.Should we pull out right now or wait ……..
Thank you once again.
Regards,
Rajiv
FT India Dynamic fund is ‘Fund of funds’. You can look for diversified funds for better returns
Hello Suresh,
Thanks for your Information through this post ,
I would suggestion from you for my Investment , I am new to this world and now i want to invest my saving intelligently I have target to invest 10-15 k per month on both equity and MF. Please illuminate me with your suggestion. I am in need of money in 1 Year , 3 Year , 5 Year 10 Year and 20 Year from now .These are time frame which i think i will need money for different purpose , Could you please find time from your busy schedule and advise me , I will grateful to you .
Thanks
Jay
Jay, for 1 year, do invest only in Fixed deposit. Refer our later FD rates and wherever you have bank, you can pick-up top rates and invest. for 3 to 10 years, you can invest in SIP mutual funds. Refer our article on this. For long term of 10+ years, I suggest you invest in these best stocks. https://myinvestmentideas.com/2012/12/top-10-mutual-funds-for-sip-to-invest-in-2013/
i have got enough knowledge in respect of variety of all sectors of shares companies as to buy or not if is to buy, the reaseon behind
Arunkanth, Good to hear that you have rich experience in share marketing. Can you please help with a guest article on how an investor should buy in volatile markets or any other markets and benefit for long term. You may also refer some good stocks other than what I specified. This would create value for the readers on my blog. If you are interested, please send the details to suresh@myinvestmentideas.com. Thanks for your valuable feedback.
Hi Suresh,
I am a newbie and in search of investment options in MFs and stocks.
Could you please suggest me some options other than the ones stated above. I am comfortable with mid term (1-2 years) to long term (3 and above)
Also, It would be really great if you could suggest some good brokers..
Thanks in advance!
Regards,
Santosh M K
Santosh, welcome to investment world. You can invest in good mutual fund through SIP (refer this link https://myinvestmentideas.com/2012/12/top-10-mutual-funds-for-sip-to-invest-in-2013/ ) and to choose good broker, pls refer this link. https://myinvestmentideas.com/2013/02/how-to-choose-a-good-broker-for-demat-account-services/
dear mr suresh,
thanx for your views, which i find well researched. please advise on my protfolio, where i have been investing through SIPs for last 4 years & have built up to a total amount of Rs 3.5 lacs so far. i aim to create wealth for my long term goals like daughter's higher education (in 2018), daughter's wedding (in 2023) & retirement corpus (in 2024). My present MF portfolio is as under :
HDFC Top 200
HDFC Equity
IDFC Premier Equity
Reliance Growth
SUndaram Select Midcap
SBI Tax Gain
Sundaram Tax Gain
Goldman Sachs Gold ETF.
Thanx in advance.
Anil
All are good mutual funds. I suggest making small changes to your portfolio if you are doing SIP’s. 1) Sundaram select mid-cap was a good fund earlier, however the performance has fallen in the last few years and Crisil ranked now as Rank-3. (2) You can switch over to SBI emerging mutual fund or HDFC mid-cap opps which are Crisil Rank-1 mf schemes. 3) similarly reliance growth fund is crisil rank in diversified sector. Refer my top-10 diversified funds and invest in Crisil-1 mutual funds
Thanks for clear guidelines and Excellant 100% executable views. I was thought this could be one of the share tips as all gives but now i realised this the realistic and more effective tip.
Hi Suresh,
I like your stock picks. I am having SIP in the follwoing mutaul funds since lst 3 years and i am long term player with next 10 years horizon with a view of building wealth. Need your advice whether to continue these:
1. Relaince Growth Fund.
2. HDFC Top 200 Fund
3. Reliance Diversified Power sector fund.
In adition i am also holding units of following funds:
1. Relaince Equity opportunity fund.
2.Reliance ELSS fund
3. HDFC Long term Tax advantage fund.
4. Franklin India high growth fund.
5.Icici Pru Focussed bluechip
Pls advice should i continue with these or swith to some better fund.
thanks and warma regards
Vivek Soni 9711300216
Thanks Vivek for liking my blog site. Here is my view.
1. Relaince Growth Fund – Crisil ranked as 3 and returns are 5% p.a in the last 3 years. There are better mutual funds than this. Please stay away from such mutual funds
2. HDFC Top 200 Fund – Cril rank-2 – Returns 8% p.a. If you have already invesed, you can stay with it or invest in others. But do not expect more returns than what you are getting.
3. Reliance Diversified Power sector fund – Crisil-5 rank; Returns (negative -9% p.a.) in last 3 years. Move out from this
1. Relaince Equity opportunity fund – This is good mutual fund. Crisil-1 and returns are 15% p.a. in last 3 years. You can continue to stay with this and make new investments
2.Reliance ELSS fund – For IT purpose OK, you can continue to stay with tihs. Returns are at 9% p.a. in last 3 years
3. HDFC Long term Tax advantage fund – Looks it is misspelled. There is no tax advanage fund in HDFC.
4. Franklin India high growth fund – Rank-3 – average performance – 7% returns in last 3 years – if you invested, retain it or stay from it. no fresh investment
5.Icici Pru Focussed bluechip – This is also one good fund ranked-1 by crisil in largecap – returns are 11% p.a. in last 3 years. You can continue to stay and make fresh investments
Since you have liked my website, why don't you click on "Facebook Like" button. The links are there at home page on the right side. I would get benefitted with more visitors when you share your views with your friends.
Suresh ji many thanks for your reply. Frankly speaking I was pleasantly surprised by your immediate and detailed response. I appreciate it and once again thanks to you.
I will like to add that your blog is not only informative and knowledgeable but at the same time provides right advice for the retail investors who want to increase their wealth but due to less knowledge end up losing money in the equity or mutual fund market.
Any Equity or MF investment which gives a return of less than 12% is infact eating up your wealth.
Sir, on the basis of your advice I have decided to modify my MF investments. Based on your advice and after reading your recommendations for 2013, I plan to modify my MF portfolio as follows:
Reliance Diversified Power sector Fund-Growth – To sell all units
Reliance Growth Fund-Growth – To stop SIP and sell all units.
Reliance Equity Opportunity – Growth – To stay invested and start SIP
HDFC Top 200 fund – Growth – To stop SIP. Should I stay invested or shift??
HDFC Mid Cap opportunity fund – growth – To continue with the SIP
ICICI Pru Focussed Blue chip fund – growth – To stay invested
Franklin India High Growth Companies’ fund – growth – To stay invested.
Request your advice on the following also:
8. Reliance Tax Saver ELSS Fund – Lock in period is over, Should I exit or hold??
9.HDFC Long Term Advantage Fund – ELSS – Lock in period is over, should I exit or hold??
Reliance Banking Fund – Growth – To do fresh investments
SBI Magnum FMCG Fund – Growth – To do fresh investments
SBI Magnum Emerging business fund – Growth – To do fresh investments
I am highly obliged and thankful for your advice. I will keep on reading your blog and keep myself updated with your recommendations.
With warm regards
Soni – 9711300216
Thanks Vivek, 1) SBI FMCG-Sector based fund-Returns are excellent, however dependent on single sector-high risk-high returns; Similar to Reliance banking. About SBI-Magnum-it is good one. You would see SBI Magnum as part of my best midcap mutual funds article scheduled on 7-Jan-12. Regd ELSS schemes, they provided normal returns like FD. Since you are already got tax benefit and tax period is over, you can switch over to other funds which are performing better.
Suresh,
I am planning to invest 2.5 lacs/mnth in the stock market as i aim to achieve 1 crore in 3 years time.
Plz advise if i am on the right track by investing in the stock market to acquire this 1 crore in 3 years ?
Brien, If you invest Rs 2.5 Lakhs per month for 3 years, your investment value would be Rs 90 Lakhs and you are expecting Rs 1 Crore. Means you are expecting only Rs 10 Lakhs more ? If my understand is right, you just need to get 8% interest rate which you can invest in bank FD and get it.