Top 10 Best SIP Mutual Funds to Invest in 2017
In a few months, we are going to end 2016 year. I have been recommending Top 10 Best Mutual funds to be invested through SIP every year. There are new additions based on the latest trends. Some of the top SIP mutual funds recommended by me in the last few years gave as high as 30% annualized returns. Now its turn to look at Top 10 Best SIP Mutual Funds to invest in 2017. These top 10 mutual funds are filtered based on several key parameters and one can make it as a standard portfolio and invest in these funds. It is suitable for high risk and moderate risk investor. Let us jump into our Best SIP Mutual Funds to invest in 2017 now.
Also Read: What are the Top 10 Best Performing Mutual Funds to invest in 2018?
How I filtered Top 10 Best SIP Mutual Funds to Invest in 2017?
These top 10 mutual funds to invest in India have been filtered, analyzed and shortlisted based on several key statistics.
- These mutual funds are picked based on highest returns received in the last 5 years, including the years where there was a downturn in stock markets.
- Mutual funds that are rated by Crisil as Rank-1, Rank-2, Rank-3 and Rank-4 are picked for these top funds list which indicates consistent performance in all market cycles.
- Value research Online (VRO) rated these funds as 5 star and 4 star. Highest star rating indicates that these funds can perform well compared to its peers in various stock market cycles.
- Filtered based on Mutual fund AUM (Assets under management) which has > 100 Crores. This refers that more and more investors are investing in such funds create investor confidence about the fund.
- Some of the funds would be a repetition from my earlier recommendations as they continue to perform well.
List of Top 10 Best SIP Mutual Funds to Invest in 2017
Top#1: Birla Sun Life Frontline Equity Fund
Fund Objective: This mutual fund scheme aims to generate long term growth of investment, through a stock portfolio with a target allocation of 100% equity aiming at being as diversified across various industries and or sectors.
Fund Performance: This fund has beaten all its peers and provided 18% annualised returns in last 5 years. Even in the short term of 1 to 3 years, it gave 19% to 20% returns which proves it as good short term fund too. If you have invested Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have grown to Rs 97,000 now. Even in the long run for 10 years, it gave 15.9% annualized returns providing this as a consistent performer in the long run..
Why to invest: Good performance has lead to asset size hitting Rs 12,000 Crores. Stead Management has led to continuity of style and market bias. Fund performed well in bull markets and reduced losses during bear markets. This fund beats all its peers and provided 18% annualised returns in the last 5 years compared to the S&P BSE 200 benchmark of 15.9% in a similar period. Crisil ranks it as Rank-1 and Value Research Online (VRO) as 5-Star (5 out of 5). This is one of the best SIP mutual funds to invest for long term of 15-20 years
Top#2: ICICI Pru Top 100 Mutual Fund
Fund Objective: This mutual fund scheme aims to generate long term capital appreciation by investing predominantly i.e. up to 95% in equities while the rest would be invested in debt and money market instruments.
Fund Performance: This fund has beaten all its peers and provided 17% annualised returns in last 5 years. Even in the short term of 1 to 3 years, it gave 22% to 23% returns which proves it as a good short term fund. If you have invested Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have grown to Rs 91,500 now. Even in the long run for 10 years, it gave 13% annualized returns providing this as a consistent performer in the long run..
Why to invest: This fund beats all its peers and provided 17% annualised returns in the last 5 years compared to its benchmark of 9.8% in a similar period. Crisil ranks it as Rank-2 and Value Research Online (VRO) as 3-Star (3 out of 5). This is one of the best mutual funds to invest by SIP for long term of 10 years.
Top#3: ICICI Pru Focussed Blue Chip Fund
Fund Objective: This fund's objective is to invest in 20 large cap companies from the top 200 stocks listed on the NSE on the basis of market capitalization. This fund's objective would get altered if assets cross more than 1,000 Crores (which we are seeing now) where it would invest beyond 200 stocks listed in the NSE.
Fund Performance: This fund has beaten all its peers and provided 16.3% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 91,400 now. This is one of the best funds to invest for long term of 10-20 years.
Why to invest: This fund has a clear strategy and consistently performing in the long run. This fund beats all its peers and provided 16% annualised returns in the last 5 years compared to Nifty 50 returns of 11.8% in a similar period. Crisil Ranks it as Rank-3 and Value Research Online as 4-Star (4 out of 5). This makes this as a unique fund among its peers.
Also Read: Funds India Vs Scripbox Vs ZIPSIP – Which is the good Mutual Fund investment platform?
Top#4: Franklin India Smaller Companies Fund
Fund Objective: This mutual fund aims to generate long-term capital appreciation from a portfolio of mid-cap and small-cap companies. It invests up to 75% in smaller capitalization companies.
Fund Performance: This fund has beaten its benchmark and provided 29% annualised returns in last 5 years. In the last 3 years, it gave superior annualized returns of 46%. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 134,000 now.
Why to invest: This fund differentiates itself from market cap orientation. This fund invests smaller portion in large cap and invests a sizeable amount in small companies, hence it can be termed as smaller stock fund. This fund performed excellent in last 5 years and given 29% annualised return compared to its benchmark of 16%. Crisil Ranks it as Rank-1 and Value Research Online as 5-Star (5 out of 5). This is one of the best small cap funds to invest for long term of 15-20 years.
Top#5: DSP BlackRock Micro Cap Mutual Fund
Fund Objective: This mutual fund aim is to seek long-term capital appreciation by investing in a stock portfolio that are not part of the top 300 companies by market capitalization. The focus of the scheme is to deliver superior long term performance by selecting stocks of companies those are uncorrelated to broader markets & not sector specific.
Fund Performance: This fund has beaten its benchmark and provided 28% annualised returns in last 5 years. In the last 3 years, it gave superior annualized returns of 54%. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 142,000 now.
Why to invest: This is a top small-cap fund that has beaten its benchmark for last eight years from 2008. This fund performed excellent in last 5 years and given 28% annualised return compared to its benchmark of 12%. Crisil Ranks it as Rank-1 and Value Research Online as 4-Star (4 out of 5). This is one of the best SIP mutual funds to invest in 2017 for long term of 15-20 years.
Top#6: Mirae Emerging Blue Chip Fund
Fund Objective: This fund aim is to generate income and capital appreciation from a diversified portfolio mostly investing in equities and equity related securities of companies which are not part of the top 100 stocks by market capitalization and have a market capitalization of at least Rs.100 Crores at the time of investment.
Fund Performance: This fund has beaten its benchmark and provided 28% annualised returns in last 5 years. In the last 3 years, it gave superior annualized returns of 46%. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 132,000 now.
Why to invest: Starting 2011, this mutual fund scheme has beaten its benchmark and category by higher margins in all 5 years since its launch. Bull or bear phases have gone equally well for this mutual fund during this period. This fund performed excellent in last 5 years and given 28% annualised return compared to its benchmark of 16%. Crisil Ranks it as Rank-1 and Value Research Online as 5-Star (5 out of 5). This is one of the top SIP mutual funds for 2017 to invest for long term of 10 years.
Top#7: Kotak Select Focus Fund
Fund Objective: The mutual fund scheme aims for capital appreciation from a diversified portfolio of equity and equity related instruments, generally focused on a few selected sectors.
Fund Performance: This fund has beaten all its peers and provided 19.7% annualised returns in last 5 years. Even in the short term of 1 year, it gave 19.6% returns which prove it as good fund. If you have invested Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have grown to Rs 104,000 now. This is one of the best funds to invest for long term of 10-20 years.
Why to invest: This fund strategy is that different sectors of the economy would perform well at different point of time. It focuses between 4 to 9 sectors. This fund beats all its peers and provided 19.7% annualised returns in the last 5 years comparing to NIFTY 200 of 12.6% in a similar period. Crisil ranks it as Rank-1 and Value Research Online (VRO) as 4-Star. One of the good multicap funds to invest.
Also Read: Top Mutual Fund Schemes for new Investors
Top#8: Principal Emerging Blue-chip fund
Fund Objective: This mutual fund scheme would invest between 65% to 95% in mid-cap stocks that has a market cap compared to benchmark Nifty Midcap 100 Index and 5% to 15% in Small Cap stocks.
Fund Performance: This fund has beaten all its peers and provided 26% annualised returns in last 5 years. Even in the short term of 1 year, it gave 23% returns which prove it as good fund. If you have invested Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have grown to Rs 124,000 now. This is one of the best funds to invest for long term of 10 years.
Why to invest: This fund beats all its peers and provided 26% annualised returns in the last 5 years compared to its benchmark returns of 14% in a similar period. Crisil ranks it as Rank-1 and Value Research Online (VRO) as 4-Star. One of the best multi-cap fund to invest in 2017.
Top#9: ICICI Balanced Mutual Fund
Fund Objective: The scheme invests in equities and related securities as well as fixed income and money market securities. It invests 60% minimum in equity and balance in debt related instruments.
Fund Performance: This fund has beaten its benchmark and provided 17.8% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 96,400 now.
Why to invest: This fund performed well in last 10 years and given 13% annualised return comparing to balanced fund category of 9.2%. Crisil ranks it as Rank-3 and Value Research Online (VRO) as 4-Star (4 out of 5 stars). It would reduce risk by investing part of the investment in debt instruments, hence good to have such funds for portfolio balancing. This is one of the Best SIP Mutual funds to invest in the balanced fund category.
Top#10: HDFC Balanced Fund
Fund Objective: This mutual fund scheme aims to generate capital appreciation from a combined portfolio of equity and debt instruments. This scheme invests up to 60% in equity and balance in debt related instruments.
Fund Performance: This fund has beaten its benchmark and provided 17% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 97,000 now.
Why to invest: This fund performed well in last 10 years and given 15% annualised return comparing to balanced fund category of 10%. Crisil ranks it as Rank-2 and Value Research Online (VRO) as 4-Star (4 out of 5 stars). Equity centric balanced funds limit volatility by keeping part of investments in fixed income and regularly rebalancing the portfolio. This fund re-balances its portfolio with an aggressive equity part.
Also Read: Top Midcap/Smallcap Mutual Funds to invest in India
Complete list of Top 10 Mutual Funds to invest for long term in 2017 are given below
Last year, I have recommended UTI Equity Fund, UTI Midcap fund, ICICI value discovery fund, Franklin India High Growth Fund apart from some of the above listed funds. You should continue to invest in them. If you would like to add more funds, select some of the new funds indicated in this article.
Conclusion: These Top and Best SIP Mutual funds can be invested to get superior returns in the long term. This portfolio is designed for all kinds of investors like high risk investors and moderate risk investor. If you are a high risk investor, you can add more funds from mid-cap/small-cap segment. If you are moderate risk investor, you can add more funds in balanced mutual fund category. If you simply want to invest in a diversified portfolio, go ahead and invest in these top 10 mutual funds to get high returns in coming years.
All the best!!!
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Suresh
Top 10 Best SIP Mutual Funds to invest in 2017
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I come from a middle class family i am 28 years old now . i am a s/w developer. My ctc is 4.8 Lakhs per annum . I want to invest 6000 in mutual funds for 15 years . can you please suggest in which funds should i invest so that i will have good money with minimal risk. can i invest 3000 in aditya birla sun life tax relief 96 direct and 3000 in IDFC Tax Advantage ELSS Fund. or should i invest in any equity funds instead of elss. Please suggest i have minimal knowledge in equity funds.
Sir,Gm.Can i invest Rs1000 per month sip in mirae asset emerging blue chip fund direct.
HI
I M 34 YEARS OLD.INVESTIN SIP 8000 PER MONTH
Hi I am Rohan 27 year old and want to know about tax savings investments.i can invest 5000/ month…
I m 32 years old.I invest in sip in 6000per month
1.sbi blue chip regular- rs 2000
2.sbi magnum balanced fund direct plan-rs 1000
3.mirrea asset emerging blue chip direct plan-rs 1000
4BSLF equity fund direct plan-rs 1000
5.Axis long term equity fund-rs1000
Is these funds are good for wealth please suggest
I am 31 years. I want maximum returens
I m 66 years old.I want to start sip of Rs5000 per month in birla sunlife,Franklin,mirae asset.Pl cooperate should i invest in this for 5years.
Can u pls let us know what is the best SIP schemes for short term Investors (3-5)yrs which will return good amount…
Him
My name is Sanjay Kumar Chaudhary.I am 30 year old.I want to invest through SIP 1000 per month for 25 years.Please guide me…..
Hi Sanjay, looks you are new to mutual fund investments. You can look in these funds. 1) Large cap – Birla SL Frontline fund / ICICI Pru focussed blue chip fund 2) Balanced – You can check HDFC Balanced Fund / ICICI Balanced fund.
Hello I want to invest 20k/month.pls suggest in which sip to invest for high profits.
Hello I Want Invest 1000 per Month In SIP Next 10 Year . Please suggest me where i Invest in Low risk.
Hi!
My name is Himanshu. I am 30yrs old. I can invest 2k/month in SIP but for 5yrs.
So, please guide me….
You can look in these funds. 1) Large cap – Birla SL Frontline fund / ICICI Pru focussed blue chip fund 2) Balanced – You can check HDFC Balanced Fund / ICICI Balanced fund.
I am Prahlad Mistry,would like to invest through SIP,5K/month for 3 years.Request to suggest best safe fund to invest,to have ~11/12 %return,monthly preffered.
Hi Prahlad, if you are looking for safe returns in mutual funds, you can invest in debt funds or balanced funds. In balanced funds you can look for HDFC Balanced fund or ICICI Balanced fund
Hi All,
Now a days DSP Black rock is a good SIP ?
last one year i can see very low interest rate showing. Is it good for investment or not ?
Kindly help me about this query.
Hi Bidyakar, Which fund you are referring in DSP BR. The name is of fund house and not fund name
Hii i am ayush i am of 23yrs now
I want to invest in mutual funds i can invest 1000 monthly which kinds of funds or sip is best for me i want to invest this for 5 yrs&want to know which mutual fund is performing better&growth chances in 2018
Hi Suresh,
Firstly thanks for your valuable info.
I’m a 26 year old, I have a high risk appetite and want high returns. I plan to invest into MF’s via SIP and the MF that I chose to invest is Mirae Asset Emerging Blue Chip.
I’m planning to invest Rs.10,000/-(per month)
Will it be a good idea to invest in this single mid cap fund for long term 10 years?
Hi Nitesh, What happens if your fund is under performer after few years? Hence one should invest in atleast 5-8 funds. You can invest in midcap/smallcap funds indicated in this article aas you are high risk investor
Hi
I have invested in
1)HDFC top 200 fund
2)DSP black rock small and mid cap fund
3)SBI Magnum equity fund.
Please suggest if this fund are good for long term or I need invest in some other.
1st and 3rd are good. There are better funds than DSP BR Midcap and smallcap fund, you can review and invest in other top performing funds
Dear Suresh,
I am planning to invest in SIP in below MFs for the period of 3 years and stay invested for minimum 5-7 years period. I am looking for capital appreciation in long term, with high returns and high risk. Please suggest if below combination are right picks. Thank you in advance.
DSP BR Micro cap fund – Rs.25,000/month
Mirae Asset emerging bluchip fund – Rs.25,000/month
Principal Emerging bluchip fund – Rs.25,000/month
Birla SL Frontline Equity Fund – Rs.10,000/month
Dear Suresh,
I would like to have ur advise for my following M.F.Inv. lan for 2018
Principal Emerging Bluechip Fund – Growth 01/01/2017 01/12/2018 Subscription Amount 2,000.00 Monthly 1
Kotak Select Focus Fund – Growth 10/08/2017 10/07/2018 Subscription Amount 1,000.00 Monthly 12
Canara Robeco Emerging Equities – Growth 15/08/2017 15/07/2018 Subscription Amount 1,000.00 Monthly 12
Aditya Birla Sun Life Small & Midcap Fund Growth 07/11/2017 07/10/2018 Subscription Amount 1,000.00 Monthly 12
Franklin India Smaller Companies Fund – Growth 10/11/2017 10/10/2018 Subscription Amount 1,000.00 Monthly 12
Tata Equity P/E Fund – Growth 07/11/2017 07/10/2018 Subscription Amount 1,000.00 Monthly 12
L & T Midcap Fund Cumulative 05/12/2017 05/11/2018 Subscription Amount 1,000.00 Monthly 12
In add to above inv. 2k per m in Mirae Em. Blue C Direct G Plan for 24 ms from Dec 17
Regards,
SCM
Hi,
I want invest 6000 per month in MF.
Pl. suggest which MF is best.
And also clear the term like, large cap, mid cap, multi cap, diversified.
Looks you are new bee in mutual funds. Go for balanced funds that invest 65% into equity and balance 35% in debt instruments. These are less risky compared to other funds. You can invest in ICICI Balanced fund or HDFC Balanced fund to start with. For terminology, pls refer the above article
HI
I wish to invest 10000 one time in tax saving mutual fund . Which one is better ? kindly suggest me MF names
Hi,
I wish to invest Rs. 5000 per month for 1 year. After that I will take decision whether all funds shall be continue, stop or add more. Kindly suggest me MF names.
You can invest in any number of mutual funds for any period. However you should hold it for long term of say 8-10 years. You can invest in SIP for minimum 6 months. However investing continously throgh SIP for long term can give you maximum benefit. Select diversified funds and large cap funds from this article and start investing in them.
Hi Sir,
I want to invest Rs. 5000 per month for three years. Please suggest me good investment plans with high returns and low risk in 2-3 investment plans. Thank you. I wait for your reply.
Hi Gunjan, Investment in mutual funds for 2-3 years is not advisable. If you still wish you can invest in debt mutual funds. Refer this article for more info. https://myinvestmentideas.com/2016/05/top-debt-mutual-funds-to-invest-in-2016-in-india/
Iam investing in "
IDFC Sterling Equity Fund – Regular Plan (G)"
please let me know this fund is good to invest for 15 years or you can suggest me for another plan
iam planning to invest 10 – 15 years
Suresh sir, I m 35. I want to invest in sip for my daughters education n marriage. One is 10 n other is 2 now. Please suggest where to invest n how much. I need to save something for my future too.
Hi Manas, There is nothing like minimum or maximum investment in mutual funds. You can invest as much as you can. Select diversified funds and large cap funds from this article and start investing in them. Increase your investments year on year to create good wealth which can help even for your daughter education or marriage
i want to start SIP if 10,000 p.m. for 5 years , which fund you will suggest
Select diversified funds and large cap funds from this article and start investing in them.
Hello,
At present i have SIP as below:
UTI mid cap fund- growth= 2000 INR
ICICI Prudential balanced fund – growth = 3000INR
L&T India prudence fund -growth = 2000 INR.
I want to invest 10000 INR for 5 years of period, can you suggest for invest in SIP.
Thanks.
Select diversified funds and large cap funds from this article and start investing in them.
Hi , I would like to invest 1500-2000 Rs in SIP. Please help me in suggesting best plan for the same.
Prateek, You can invest in large cap and diversifed funds to start with
I would like to invest 5000 per for next 1 year to gift it to a Child for future purpose. We could stop the SIP after 1 year but we are planning to keep that money for longer period. Could you please suggest a Fund for this.
Hi Prasad, Good intention. You can invest in 2-3 funds for long term. You can look for Birla SL Frontline Equity Fund, ICICI Focussed blue chip fund, SBI Blue Chip Fund etc.,
Very good and useful information.
Thank you so much.
Good
I m also looking some best sip plan for investing
Thanks
Hi,
I have been investing in the following MF’s each month for long time and I would like to know if these are still good to continue through year 2018. NOTE: I have reviewed each of them in various online forums and many give different views at different times. For example, Recommendation for UTI Opportunities fund is to exit, however, last year, this was a buy recommendation.
Aged 45, my investment horizon is very long term (15 to 20 years). Please advise your views on this and if they are good to continue through year 2018.
– SBI DYNAMIC BOND FUND – GROWTH (investing since 2013) – Goal: Hedge
– HDFC BALANCED FUND – GROWTH (investing since 2014) – Goal: Hedge
– ICICI PRUDENTIAL FOCUSED BLUECHIP EQUITY FUND – GROWTH (investing since 2013) – Goal: Retirement
– Franklin India Bluechip Fund – Growth (investing since 2016) – Goal: Child marriage)
– UTI OPPORTUNITIES FUND – GROWTH (investing since 2013) – Goal: Child education
– SBI Emerging Business Fund Regular Plan – Growth (investing since 2013) – Goal: Retirement
Thanks
I want 3 crores in 22 years .how much should I invest monthly and in which sip funds
Make my portfolio for 22years for 14000 Rs monthly
i want to start SIP And And My target between 50-60 lac for 15 yrs.
Hello Sir, Iam Prasant 46yrs . I need 1.5 to 2cr after 10 to 12yrs from Mutual funds. Plz advise how much to invest per month & in which funds. Thank you
Hi,
I want to invest in SIP. My target is around 25lakhs in 10 years. Could you please suggest me how much amount i need to invest monthly and how?
Hi Sanjeev, You need to invest Rs 7,500 per month for 10 years to reach to Rs 25 Lakhs @ 12% returns. You can invest in combination of diversified, largecap and balanced funds to achieve this. You can select 3-5 funds from the list what I indicated.
Dear sir
I want 1 crore after 20 years. My investment is following SIP
1) SBI emerging business fund-1000
2) reliance tax saver-2500
3) Birla tax relief 96-1500
4) IDFC premium equity-2000
5) Birla frontline equity-2000
6) Birla India gennext -2000
7) Franklin smaller fund-3000
8) Kotak select focus-2000
9) reliance gold fund-1000
Kindly guide me if any chance regarding to achieve my goals.
Good funds, stay invested
Dear Suresh,
I am 65 years old, retd. pensioner,so also my wife.We like to invest say 5000.00/ month in MF. Should we? If the answer is yes then in which MF and how to invest?
Regards
Hi Piyush, considering your age, I would not advice you to invest in equity mutual funds. However you can still go for balanced funds or debt mutual funds. You can open MF account with ICICI direct or fundsindia and invest
Hi Sir,
This is Rohan. (23 years old)
below are the Details about my inverstment.
1. :INR 3000 in Birla Sun Life Frontline Equity Fund – Regular Plan(G) (5 Yrs)
2. :INR 5000 in Franklin India Smaller Companies Fund (G) (10 Yrs)
3. :INR2000 in Mirae Emerging Bluechip Fund -Regular Fund(G)(5 Yrs)
Sir, my Query
1. Funds chooses are good or you Would Suggest ny Changes.?
2. How much % increse i should expect for the my investments from the above investments?
2. If i am Interested in Investing another INR5000 which 1 would you suggest me to look into.?
Thanks,
Hi Rohan, You have selected good funds. If you want to invest additional funds, you can add more in large cap / diversified funds like SBI Bluechip fund or ICICI focused blue chip fund beyond what you are holding.
Dear Sir,
Below are the details of my investment in MF's.
1. INR 1000 ICICI VALUE Discovery Fund
2. INR 1000 DSP Black Rock Tax Saver
3. INR 1000 HDFC MID Cap Opportunities Fund
4. INR 2000 Reliance Tax Saver (ELSS)
Sir, my query is
1. Funds chosen are good or you will suggest any changes ?
2. Now, I am no more in tax net. Since, i have got overseas employment and receiving salary in my tax free account in India. Should i discontinue the Tax Saver funds? If yes, please suggest the good funds.
Thanks & Regards
Anant, You have good funds. However it has mixed combination, midcap, tax saving and midcap fund. You should invest in large cap or diversified funds in your portfolio going forward. Pls add funds like Birla SL Frontline fund or ICICI Pru focussed blue chip fund
Hi,
i would like to invest Rs 4000 per month and it's okay for me to investing longer period if i am getting high returns please advise me. and i am 31 years old. thanks
I want to invest 10000/ in 5 mutual fund sip.my age is 24 year.pl advise me.
Hi Mathur, At your age you can consider taking some risk. You can invest in midcap/smallcap funds, diversified and large cap funds indicated in this article.
Hi Suresh,
I have been investing in various funds for the past 11 years. I have not renewed the SIP for some of them What would you suggest for an effective reallocation of portfolios? should i reduce the number? If I am to increase the SIP amount which are the funds that you would recommend?
1) Birla Sunlife frontline equity 2) ICICI prudential focussed blue chip 3) Frankin India smaller companies 4) BNP paribas equity 4)DSP Black rock micro cap 5) Franklin India High growth companies 6) SBI pharma 7) SBI emerging Business 8) Franklin Tax Shield 9) Sundraram Diversified equity (not renewed) 10) SBI Magnum tax gain (not renewed)11) Reliance Regular Savings Fund (not renewed)
Annie, The funds indicated by you are good except for Sundaram Div fund which his underperformer, You can add / renew SIP’s in these funds
Hello i would like to do an SIP of Rs 5000 monthly with a time horizon of 3 years Can you suggest me a good fund.
David, investing in mutual funds for short term of 3 years may not be good idea. If you still want to invest, you can go for debt mutual funds and not equity funds
Hi I want to start SIP, Please suggest me the best plan I want to invest it for 20 yrs
Hello Sir,
I am investing in mutual funds from past 2 years, however not having much knowledge of these industry.
I want a corpus of 1 CR to meet my long term goals.
My investment time horizon is 8 to 10 years. Below are the details of investment.
HDFC equity fund Direct Plan Growth – 2000
HDFC Balanced fund Regular Plan Growth – 1500
Franklin India smaller companies fund Direct Plan Growth – 1500
Birla sunlife frontline equity fund Direct Plan Growth – 2000
Franklin India Prima Plus Direct Plan Growth – 2000
Birla Sun Life MIP II -Wealth 25 Plan – 1 lac ( Onetime in lumpsum from July 2016)
And last month I have added below funds via SIP in my portfolio.
Reliance Small cap fund growth Direct Plan – 3000
Mirae emerging bluechip fund growth Direct Plan – 2000
Now it is said that small and mid cap sectors are touching new highs and it is very expensive to invest in this sector.
Further I was thinking to add Principal Emerging bluechip fund growth Direct Plan via SIP for Rs 2000, and seek your advise on the same.
It is also said that one should not invest in too many funds, therefore request you to please review my portfolio and let me know whetther it is fine or I should quit some funds from portfolio if yes then which are the funds from above list and which fund I should add?
Many thanks in advance for your valuable advise on the my above queries
hi i am frm ludhiana i have invest in Reliance small cap fund monthly 1000 sip and one time 20000 should i carry on
Good small cap fund, stay invested Sanjeev
I have 6 lac my age is 53 suggest me good return and medium risk invest ment plan
A. Small & Midcap Fund
ABSL Midcap Fund Regular
ABSL Small & Midcap Fund Direct
HDFC Midcap Opp Fund Regular
L&T Midcap Fund Direct
L&T Emerging Business Direct
Mirae Assat Emerging Bluechip Direct
Reliance Smallcap
Sundaram Sel Midcap Regular
B. Diversify Fund
Motilal Oswal Multicap 35 Fund Direct
Tata Equity P/E Fund Direct
Dear Sir,
My Name Is Vishal N Suratwala & I Am 37 Years Old. I Have Already Invest Monthly Rs. 5000/- Each In Above Mutual Funds For 5 To 10 Years Horizon So Pls Suggest Me Are They Best Option Or Other Plans Are Also Available Better Then Above Funds.
I Invest My Lumpsum Amt. 1 Lac Each In Icici Pru Balance, ABSL Bal. 95, Hdfc Prudence, L&T Prudence Regular Plan Growth & Reliance Growth Fund, So Pls Suggest If I have To Change Above Funds & Go For Better Options.
Vishal, You are investing too much into midcap and smallcap which is very high risk. My advice is you should invest some of the amounts in diversified or large cap funds too. Exit ABSL midcap and small cap funds. remaining funds are good, but try to reduce to 3-4 funds
Thank You Sir For Your Kind Reply, I Believe Every Man Have To Invest 10 % Of His Income For Future Planning & As Per My Age I Am Able To Take Risk So I Choose Major Stake Small & Midcap In My Portfolio As per High Risk = High Return. But I Don't Know About Market Ups & Down So Pls Suggest Me Better Funds To Add In My Portfolio.
Pls Also Suggest Me ABSL Small & Midcap Fund Return Is Better Then Other Funds In My Portfolio In Same Category So Should I Switch Other Funds & Pls Tell Me What Criteria In Percentage Will Manage By Me In My Portfolio.
1) You can choose more in midcap and smallcap, however add some funds from large cap and diversified
2) You can switch over to better funds
HI Vikas Vikram & my age is 55 years hence cannot take much risk by investing in stocks Want to invest some around Rs. 3 lakhs, what should be the best mode of investment for me. If your answer is mutual funds then which MF.
Dear ,
My age 32 and am plaing not Start SIP with 10000 Inr Every month for 10 years Suggest best SIP
You can look in these funds. 1) Large cap – Birla SL Frontline fund / 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 Balanced Fund / ICICI Balanced fund.
Please share top10 SIP, which i can invest for next 10 years.
I’m 40 years old what do you suggest in which mutual fund I should start sip
tell me..is it.. gud or bad….
please advice in which SIP to Invest
best sip all mutual fund
Hi…
Want to invest in a SIP of 1500/month for 10 years…please suggest a best MF…I m new beginner…
Its depend on your age and the purpose of these investements. If you are below 35, I would suggest you to invest in mid and small cap funds like DSP BR Small and Mid Cap Fund – Dir – G or Mirae Emergin Bluechip fund.
If you want to take less risk, SBI Bluechip or Sunline frontline is good for you.
My investment in these funds
Rs.3000/- P.M. Axis Long Term Equity Fund (Growth)
Rs.1000/- P.M. Franklin India Samller Company Fund (Growth)
Rs.1000/- P.M. HDFC Midcal Fund
Rs.1000/- Reliance Tax Saver Fund
Rs.1000/- Sundaram Smile Fund (Growth)
Please tell me about my portfolio performance. I am going good or bad
hi
Even I have the same query could you pls suggest best SIP for 5k investment every month.
Dear Sir,
I want to invest money in SIP Plans. My limit of investing is 5000 / Months. So shall i go for the Single SIP Plans of Rs 5000 or go for the 5 Different SIP of 1000 / Months.
If 1000 / Months. is better option then suggest 5 Different SIP Plans which are performing countinuously & having better return.
why Franklin blue chip is not in the large cap list ..Its a very consistent fund for many years.
I need your suggestion about my investments in Mutual fund.
My investment horizon is for more than 10 years.
At present i am investing below funds since 2014
RELIANCE EQUITY OPPORTUNITIES FUND – DIRECT GROWTH PLAN GROWTH OPTION- 2500
ICICI Prudential Foused Blue Chip – DIRECT GROWTH PLAN GROWTH OPTION – 5000
Birla SL Frontline Equity fund – DIRECT GROWTH PLAN GROWTH OPTION – 5000
Mirae Asset Emerging Bluechip Fund – DIRECT GROWTH PLAN GROWTH OPTION – 5000
Could you please review and let me know your suggestions :
Whether I should let go off RELIANCE EQUITY OPPORTUNITIES FUND ? As its not performing well .
Also, I want to increase my monthly investments 2500 to make it 20000 each month.
Can you suggest if I need to buy new funds or distribute that extra amount in the funds that I am already investing in?
Nishant, Yes Reliance Equity Opps fund is underperformer, however you can continue or take a call and exit. You can invest in diverfiied funds like Birla SL Frontline equity fund instead. Other funds are good
Suresh , Thanks for your suggestion ..
I have decided to exit Reliance Equity Opps fund and redeem all the units ( Approx 2.5 Lakh )
And i will invest those amounts periodically in Birla SL Frontline fund .
Dear Sir,
Question No.1
I have started investing in SIP , Reliance Equity opportunity Fund Groth plan (G) mutual fund 02.04.2016. Monthly SIP Amount is Rs.1000 Present Growth Rate is 16.25%. Please colud you suggest me whether i can stay with this fund or exit from this fund. please highlighted this fund performance.
Question No .2
I have started investing in SIP , SBI Magnumum Tax gain Regular growth plan mutual fund 02.04.2017. Monthly SIP Amount is Rs.1000 Present Growth Rate is 6.25%. please highlighted this fund performance. ?
Question No.3
I have started investing in SIP , Reliance Small cap Fund Growth plan (G) mutual fund 02.08.2017. Monthly SIP Amount is Rs.1000
Please colud you tell me this fund rating and its key benifits and also highlighted this fund performance.
Sir , my investment hdfc top 200 G 1000 p.m., last 5 years,hdfc balanced fund 500 p.m. last 2 years, sbi blue chip G 500 p.m., last 2 years, uti opportunities 500 p.m. , last 2 years, uti mnc 500 p.m last 2 years, my goal is 70 lakh after 20 years , kya koi change karun ya aise hi chalne du plz. Suggest me,
good funds, stay invested
I want to start sip please suggest thanks
Sir I want to invest 3k per month sip . Which sip mf is best for me.
I am new to this mutual fund. ready to invest monthly 2500-3000rs. which one is good and high returns in future and for long term.
need some good advice.
Sir
I am new for mutual funds. So guide me.
Sir
I am new to mutual funds and able to invest 7k per month. I Need clarity on whether I have to go with two sips r with one sip in,1year term. Pls guide me good mutual funds name.
Invest in
1. Sbi blueship direct growth
2.Franklin India high growth companies direct growth
3. Mirae Asset management emerging blueship
4.Mirae Assets management opportunities
Thanks for your kind reply..
All these funds are with less NAV or price is more.
Hi Suresh,
I am new to SIP, found your blog very interesting. I am planning to invest 5k every month in SIP for 3yrs, is it good to invest in two SIPs or one ? Also pls let me know the SIP name as well. I am okay for 5 yrs as well. so please suggest two SIP for 3yrs and 5 yrs each.
Which five MF's composed of say 2 large cap, 1 mid cap and 2 balanced funds would you recommend for SIP for one year now, when the sensex ig going through the roof ?2 large Cap funds, one mid-cap, one balanced fund ?
Any other mix suggested ?
hi sir i want to start SIP 1000 per month for below fund for 5-8 yrs
Small Mid caps
L&T Emerging Businesses Fund
Mirae Asset Emerging Bluechip Fund
Franklin India Smaller Companies Fund
Multi caps
Franklin India High Growth Companies Fund
SBI Magnum Multi Cap Fund – Growth
Sundaram Rural India Fund or DSP BlackRock Opportunities Fund
kindly let me know if i have selected correct fund
good funds, stay invested
thanks sir.
I have purchased L&T emerging and SBI magnum mutli cap.
now looking forward for mirae asset emerging blue chip and franklin india high grow comps. vs hdfc mid cap oppurtunity fund.
I want to invest in sip suggest the best fund 1 year term.
Nice Article ! useful information for me.
Thanks
Which is best and sw curable long term sip suggest 3000 rs investment and government undertaking fund should not Laps money
Mirae asset opportunities fund Direct (G)
Hello Mr Suresh. I believe that Birla Sun Life Mutual Fund and Reliance Mutual Fund are having a scheme where we can get 100 times of our SIP amount as Life Insurance. Would you recommend it and if so, please suggest one fund each from of these fund houses for investment under the above plan.
Let me review this as seperate article
Dear Sureshsir,
Very useful information. I would say after reading your posts, one should not surf related information on moneycontrol, value research or other sites.
Thanks & Regards,
Ankit
thanks Great
hi..i am 23 years old..looking to start savins..can you please suggest me which will be a good mutual fund SIP for me for 3 to 5yrs?
Hello…My self jagabandhu patra..My age is 37 years.Can anybody suggest me in which Mutal fund SIP that i will get more return.I think i shall 5000 thousand per mont invest in SIP.please guide me..
I can help u..u can provide me your email address
Hello Mr. Suresh,
My age is 37 Yrs and I'm planing to invest Rs 8000/ Month in 2-3 SIP for long term(10-15yrs). Please help me by suggesting few funds for me which will be beneficial.
Hi Tapas, You can look in these funds. 1) Large cap – Birla SL Frontline fund / 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 Balanced Fund / ICICI Balanced fund.
Mr. Suresh, Thanks for your suggestion. Should I go for 2 funds or I should invest in more funds with small amount in each?
Sir I hv invested 1000 rps each in
SBI blue chip fund..
HDFC BALANCED FUND..
icici value discovery fund.
.l&t fund..
Kotak select focus fund..
birla sk Frontline fund.
.sundaram rural India fund.. please let me know hw is my portfolio
Good funds. What is L&T fund? Name is incomplete, pls specify.
Hi Suresh,
I hv invsted in SIPS of below funds for last 3-4 years.
Shall i continue with Pharma funds ? they are not giving good returns right now..
Also pls let me know about the other funds?
Awaiting an early response…
regards
Kunu
Franklin India BLUECHIP FUND GROWTH
HDFC TOP 200 FUND – REGULAR PLAN – GROWTH
ICICI PRUDENTIAL FOCUSED BLUECHIP EQUITY FUND – GROWTH
ICICI PRUDENTIAL VALUE DISCOVERY FUND – GROWTH
SBI BLUE CHIP FUND – REGULAR PLAN – GROWTH
UTI OPPORTUNITIES FUND GROWTH
RELIANCE PHARMA FUND – GROWTH PLAN – GROWTH OPTION
SBI PHARMA FUND – REGULAR PLAN – GROWTH
Hi Kunu, You have invested in good funds. Pharma sector is undergoing correction, you should wait as it should regain soon.
Hello,
I am 21yr old currently and want to invest in mutual funds, i am planning to invest 1k every month.
Kindly please help me with the best mutual funds to invest in.
You can invest in Birla SL Frontline Equity fund or Quantum Long Term equity Fund
Planning to invest 20000 in multiples of 2500 per month. Following are the selected MF SIPs:
Kotak Select Focus Fund, Icici Value Discovery Fund, HDFC balanced fund, Icici bluechip equity fund, Axis Focussed 25 Fund, Axis Long term equity fund. Dsp black rock micro cap. Franklin india smaller companies fund.
Kindly suggest if any changes could be made. For how many years should I stay invested. Planning 7-10yrs at present of 40yrs age.
Looking forward to your suggestions
No suggestions? ??
Hi Suresh,
We looking for SIP Option to invest 5 to 10K per month for long term goal for 10years. Please let us know best way to move.
Thanks!
Regards
Anil
Hello sir, i m new in SIP or Mutual fund. I dont know anything. pls suggest investment planing to me for my daughter . Details are below –
My age -32 years
daughter age – 1 year
investment capactity – 2000pm
Don’t worry Hrushikesh, This blog is built for all investors who either do not know anything or knows every thing. Step-1, pls approach icicidirect or fundsindia and open a mutual fund account Step-2, consider investing in 2 mutual funds (e.g. icici focussed blue chip fund or Birla SL Frontline equity fund or Quantum Long Term Equity Fund) and start SIP of Rs 1,000 each every month.
Hello. I would like to know which plan is best currently for the long term (15 years) wealth creation? Which SIP plan is best to invest presently. My investment would be 6000 per month for minimum 15 years.
Hi Suresh,
I am planning to invest 2k for 5 years and 1k for 3 yrs , please suggest on which mutual fund is good.
Hi Sandya, investing in mutual funds for 3 or 5 years may not be useful. If you still wish to proceed, invest in a balanced mutual fund like ICICI Balanced fund or HDFC balanced fund
Sorry suresh I meant for SIP .. so planning to invest 2k Per month so which SIP is Gud n for wat duration it’s good? M new to all this ..
Hi Sandhya, Yes, I meant SIP investment of 3 ot 5 years could be risky. You should invest atleast 8-10 years to get good returns. If you still wish you invest, consider balanced funds
what is the best for invest 2k per month from sbi blue chip and axis long term equity fund
Both are good funds. However SBI Blue chip is large cap fund and axis long term equity fund is tax saving funds where it would have 3 years lock-in period.
i want to start a sip and my plan is to invest rs 5000 per month so kindly suggest some good and low risk funds
i want to invest in mutual fund and my age is 20 i am self employed and want to invest 5000 in sip for 20 years i want to know which fund will be good to invest and what approx return i can expext after 20 years
Hi,pls suggest sip mutual fund for my 2 yr son.i want to make an investment for his future .my limit is 5k .so pls tell me in which mutual fund should I invest
Hi
I am investing in following funds. I would like to know whether i continue invsting on ICICI focused blue chip and value discovery funds or not.
ICICI Prudential Focused Bluechip Equity Fund – Growth – 1000
Birla Sun Life Frontline Equity Fund -Growth-Regular Plan – 2000
ICICI Prudential Value Discovery Fund – Growth – 1000
Good funds, stay invested
Hi Suresh,
Need your sugession on my investment:
Goal : Retirement after 22 years
Corpus required : 1.5 Cr. (Assuming wealth of 1.15 Cr. would be created by PF. Currently employee + employer contribution is = 16000 per month) so the shortage is = 35 lac.
SIP of : Rs. 3500 per month started to create corpus of 35 lac.
Fund is : MIRAE ASSET EMERGING BLUECHIP FUND – DIRECT PLAN – GROWTH (started 2 months ago)
Is this ok, or let me know your sugessions.
Thanks in advance.
Don’t invest in just one fund. Invest in 2-3 funds like Birla SL Frontline and one in smaller segment like Franklin India Smaller cos fund. You can achieve your goal.
Thank you Suresh for your quick help. ☺️
Hi Suresh
I am a regular reader of your blogs and really appreciate your guidance provided on different investment options. I have following query:
I am investing in Mutual Fund with 10K Per Month and goal is to maximize my Investment for Future. Also doing Lump sum investment into same schemes.
HDFC Top 200 Fund-Growth – 1000
HDFC Mid Cap Opportunities Fund- Growth -> 2000
ICICI Balanced fund-DP-Growth -> 2000
ICICI LTEF (Tax Saving)-DP-Growth -> 2000
BSL Frontline Equity Fund -Growth -> 1500
SBI Blue Chip Fund Plan-Growth -> 2000
Franklin India Prima Fund ->1500
I have below Questions:-
-Provide your suggestion if any add/deletion required in above MF Scheme for better return.
-Planning to invest 1Lakh in above mentioned schemes (25K per scheme). Is it fine?
-Planning to double my SIP’s from 10 to 20K per month.
Thanks in Advance !!
You have invested in good funds. You can invest lumpsum, however wait for some correction. You can go ahead and double your SIP. But do it in large cap funds like Birla SL Frontline equity fund, SBI Bluechip fund, Franklin India Prima fund etc.,
Hi Suresh,
As per your suggestion, I have invested in below MF.
ICICI Pru Top 100 Fund
Kotak Select Focus Fund
Mirae Emerging Blue chip Fund
Birla Sun Life Frontline Equity Fund (G)
HDFC Balanced Fund (G)
ICICI Prudential Focused Bluechip Equity Fund – Regular Plan – Growth
Principal Emerging Blue-chip fund
Can you suggest me some more good fund to invest for through SIP for long term?
Regards,
Jay Shah
Good funds. You can invest in other funds like Birla SL Top 100 fund, DSP BR Focus 25, Quantum long term equity fund etc.,
3000 p/m uti long terms tax saving 10year to return kitna hoga
Nic
Hi, I am 36. Need your kind suggestions towards my financial planning. There are lot of adds coming these days, investing in SIPs is better option than any other savings scheme for better returns with optimal risks. Request you to help me in below things.
How much I should invest further per month
What are the best SIP plans I should choose?
Is there any better investment plans than SIPs?
DO I need to opt for ELSS?
MY background:
I work for Hindustan Unilever Limited.
My take home: 1.0 lac per month (18 lacs/anum CTC)
My investments: INR. 2000 per month in SBI blue chip since Feb 2017
Term policy for 1 Crore: from HDFC. Emi: 13500 per year
Benefits from company:
HUL offers: 9.5% interest towards VPF – investing INR. 2000 per month since April 2017 otherwise regular PF will deduct from my monthly salary.
Unilever (Parent company) offers: 1 share free when we buy 3 shares
I bought flat in Mumbai for 51 lacs in Mumbai in yr 2014.
Current outstanding loan amount: 40 lacs
EMI: 35000 per month
I have one dependent.
Sir can uplz help in guiding me based on my background details given above?
Which is good plan in DSP Blackrock to invest in sip of Rs.1000/-PM
Hi ,
I started my job carrier in 2004 but found myself financially weak as I never serious about saving & investments . Now my age is approx. 40 years and I am married . My Monthly earning is approx. 40000/- . I got married 2 years back and now I have 1 year son . Please suggest the best SIP plan which would be very much beneficial for my son at least after 20 years .
Yearly approx. 65000 I pay to LIC .
On every month I will be able to pay 2000/- in SIP .
PLEASE SUGGEST .
Interested in Franklin
I want to invest rs500 per month in sip and will be top up up to rs20000 per year, please suggest me in which fund i will invest?????
Hi Nadeem, You can invest in large cap funds indicated in this article.
i want to invest 5000 pm in sip for 15 years ,3000 pm for 20 years and 10000 pm for 3 years…plz suggest best 3 funds with good return
I want to invest Rs. 5000 pm. in SIP for 10 years . . pl. suggest topmost fund with good returns.
I want to invest in L&T Emerging buisnesses Fund for a period of 15 years with a monthly SIP of 3000. Will it be wise to invest in such a high risk small cap fund?
I want to invest in mutual fund through SIP 1000 /month which is give best return in 10years
whether its an good or bad idea to invest 15000 per month in sip for 6 months
Investing in SIP for just 6 months may not be a good idea. Invest through SIP every month for atleast 2-3 years and continue to invest such funds for say 5-10 years would give good returns.
I want to invest Rs 2500 pm in sip for 10years please suggest in which company I have to invest that has low risk and high returns.
If you are low risk taker, best way is to invest in balanced funds like HDFC Balanced fund and ICICI Balanced fund.
for investing in these funds we have to approach banks?
You can open Mutual fund account with any of the brokers like ICICI direct or Fundsindia.com
Hi,
I want to invest 5000 per month for 3 years, where should i invest?
Investment in mutual funds should be done for long term. You need to invest atleast 5+ years. If you are willing to do, you can consider investing in balanced funds like HDFC balanced fund or ICICI balanced fund.
sir,
My age is 37 .i want to invest in mutual fund @ rs. 5000 p.m. please suggest me how i can earn maximum benefits.
REPLY S.
Hi Sourav, You can invest in large cap funds and balanced funds indicated in this article.
I want to invest 50000 at a time which fund is suitable plz suggest
You can invest in balanced funds if you are looking for lump sum investments
i want to start a SIP but have no clues to how and in which one to invest in , i went through this article and i found it very informative than you for such an article. I would also like to know if in future days can i increase the amount of my investment? What is the Liquidity(how easily my investment is accessible to me) of the investment that i will be doing ? Can i apply for multiple funds?
First is you should be willing to invest in such funds for long term. In case of any emergency you can always sell and get money in 3 working days. However based on markets, the NAV would be applicable. You may or may not get good returns if you invest for short term and sell them
Dear sir
I want to invest Rs 2000/ in a fund and total no of funds are 10 for a period of 10 years. Pls sujest me how i invest and witch fund select.
Ramdev, Go ahead and invest in all these funds indicated in this article.
i want in invest Rs.5,000/- for 15 years, suggest me how to invest and in which scheme to invest?
You can invest in large cap mutual funds and balanced funds to start with.
hi i m shrinath
i am 31 year old i want to invest Rs 500 to 1000
wich sip is best for me for 10 year to better return.
I want to invest 10k per month for 2 years.
Which fund should i look for. Should i go for a single fund or i can choose 2 or more distributing those 10k in them.
Please Guide.
Kaun sa fund sahi ha 2000 monthly invest karne ke liye
Hi.. i want to invest 1000INR / Month for Long terms ( Minimum 15 Years). Please suggest the best SIP plan for me.
Hi Pratik, You can opt for Birla SL Frontline Equity fund or ICICI Focussed blue chip fund
Dear sir
now my age is 30 years old I want to invest 1000 Rs. Per month for 25 years at that time i want to get 50-60 lakhs which mutual fund or Sip is best for me and get high return another suggestion also given to me for how to get 50-60 lakh after 25 years and how many Rs i invest for achieve my goal.
Good to know that you want to plan well in advance. If you invest Rs 1,000 per month for 25 years i.e. 300 months, at 12% annualised returns you can get Rs 19 Lakhs. If you can increase it every year by 15% for next 25 years, at 12% annualised returns you can get Rs 75 Lakhs. e.g. first year you invest Rs 1,000 per month and second year you can invest Rs 1,150. Since you cannot invest in Rs fraction amounts, you can increase this every Rs 500 year on year but increase over 15%
Hi, When you say fund name, is it growth or dividend fund name? for example, I can see two funds with same name:
BIRLA SUN LIFE FRONTLINE EQUITY FUND – DIVEDEND
LIFE FRONTLINE EQUITY FUND – GROWTH
Hari, unless you need regular dividends, opt only for Growth options.
I can invest 4k-5k per month for around 5 years. which is the best option?
Hi Ujjwal, You can opt for balanced funds indicated in this article if you wish to invest for 5 years.
We need to invest in SIP please guide
I am looking for an investment min period of 10 to 15 Years – Purpose for My Retirement plan and I have 1 daughter of age 5 Years.
Invest 2000 to 2500 per month
Which mutual funds SIP best for Good returns age of 55.
My Age 39 Years
Please R
dsp black rock sip is best because it has been more than 20 years in market
Very informative
I want to invest 2000Rs per month x 3 policy , which SIP is good
I need 1000 per month to invest in sip which is best one
Can I invest through sip by one time investment basis?
I want to invest 2000 per month in sip for 5 to 10 years pls succeed good funds
I am looking for an investment period of 10 years – purpose for my daughter of age 5 years.
Which mutual funds SIP should I go for to achieve my objectives ( Education)
My age – 47 years.
I have some unit of relance gold savings fund (valu of rs 100000). Please suggest me , could I stay or exit.
I need 10000 per month to invest in sip which is best one
Mukesh, invest in large cap funds like Birla SL Frontline or ICICi focussed blue chip fund along with balanced funds like ICICI Balanced fund and HDFC balanced fund
i need invest 50000 thousand per month in sip which is best one
Its depend upon your tenor,risk appetite and goal for investment.
I want to invest 5000 per month for about 15 years.what is the lock in period and suggest me the best fund
sir, please suggest me to take best of the best SIP plans , i plan to invest for 10-15 yrs on monthly mode of Rs.2000.
Start investing in large cap funds indicated in this article
Dear Sir,
Please tell Which fund is the best for nontax savers in lump sum money(Rs. 20,000/-) through STP mode, and also for the Tax saver fund too in lump sum money(Rs. 20,000/-) through STP mode ( time duration for both is next 4-5 years )
I want to invest 5000 for 5 years In mutual fund aggresive portfolio through SIP.
Hello….
I cant invest rs.10000 per month….
But want to invest only for one year in SIP…
So please suggest me a good SIP which will give more return in 1 year..
.
Thank you in advance.
I am net
Presently My SIPs are as follows please suggest changes required
ICICI focused Bluechip- 10000/- , BSL TOP 100- 2000/- , SBI BLUECHIP— 4000/-
HDFC MIDCAP — 4000/- , Franklin smaller co— 4000/- ,
HDFC Balanced- 4000/-
Reliance tax saver– 4000/-
Reliance pharma- 2000/-
I ve sip of 4000
Rel pharma fund
Advise about continue or switch to another scheme
For long term
Sir I want to invest 5k-10k for 3-5 years plz suggest me the best fund that would give me best return.
If you want to invest for 5 years, consider balanced funds indicated in this article.
If for 3 years sir than where should I invest?
I want invest in birla sun life frontline
Hi Vinod, Birla SL Frontline equity fund is one of the top performing mutual fund. You can go ahead and invest it.
Hi
kindly confirm can i change SIP from current to New company, even
also confirm how will investment in relince mutual fund.
I want to invest at least Rs 5000 per month for 10 yrs in different company .Please guid me the best fund
Hi Neeraj, invest in 2 large cap funds indicated in this article.
Hii i wanna invest 500-2000 pm for which will be the best option?
I WANT START SMALL SIP IN 2-3 DIFFERENT MUTUAL FUND 1000/- RS PER MONTH FOR 5 YEARS PLEASE GUIDE ME BEST FUND
i want to invest 50000 rs per month for 10 years
pl suggest where to invest
Hi Mamta, you can opt for large cap funds and balanced funds to start with.
I have a plan for vacation at next year (2018) summer and willing to have 1 lac in hand. Please guide which SIP will help me to get assured return of 1 Lac with how much of investment/month starting from this month.
excelent guidance. 100 % reliable selection.
I want to invest in 2 different SIP with 3000 each abnd presently i am 42 which would be better please suggest
I want to invest 1000 per month in SIP from May 2017 for 1 year first and then would extent to 5 years because this is my first time to invest in mutual funds. Plesae suggest the best SIP which could give me best return.
Please provide me your suggestions
10000/- pm foe 10 years. Return how much
Please sagested non risky higher profitebal MF SIP 1000 / p m 3 to 5 year.
Sir, I am planning to invest 10k for month in SIP for 10 to 15 years. Pl suggest best performing funds and how much I shd invest in each fund.
Hi Suresh,
I have below 3 SIPs since more than 1.5 yrs
1. Franklin India Balanced Fund – 3000/-
2. ICICI Prudentia Value discovery fund – 2500/-
Can you please advise which Fund’s SIP to add to my portfolio for next 10 yrs minimum? Also please advise I need to replace above 2 with another ones.
Thanks
Bhushan
DEAR SIR
I WANT TO INVEST FOR MY DAUGHTER AND WEALTH CREATION, I CAN INVEST AROUND 25K PER MONTH. SUGGEST ME BEST MUTUAL FUNDS, IT WILL HE HELPFUL,
I want to Invest 10k per month in SIP from May onwards..Please suggest the best SIP…goal is to pay 1 lacks every year to home loan principal.
You can invest in large cap funds to start with
This is very good policy for growth our investment
Sir,
I want to invest 5000 PM in SIP for 5 to 10 years…please suggest me good options..Your suggestions will be helpful.
Hi Suresh, i hv invested in the follwing SIPs for the below funds since last 2 years . should i continue with these or is there a need to chnage my portfolio – , As ever thank you for your inputs
Franklin India BLUECHIP FUND GROWTH
HDFC TOP 200 FUND – REGULAR PLAN – GROWTH
ICICI PRUDENTIAL FOCUSED BLUECHIP EQUITY FUND – GROWTH
ICICI PRUDENTIAL VALUE DISCOVERY FUND – GROWTH
SBI BLUE CHIP FUND – REGULAR PLAN – GROWTH
UTI OPPORTUNITIES FUND GROWTH
RELIANCE PHARMA FUND – GROWTH PLAN – GROWTH OPTION
SBI PHARMA FUND – REGULAR PLAN – GROWTH
Few observations Santosh 1) HDFC Top 200 fund was underperformer, however it is reviving, keep a close watch 2) Pharma sector is down now. However, you can continue to invest for next 2-3 years unless you need money in near term
I want to start SIP of INR 10,000 monthly for long term 20 years. Please suggest me in which SIP I should go ahead?
good to hear that Gagandeep. You can invest in large cap, midcap and balanced funds indicated in the article
Thankyou sir for your valuable information. I have seen the results by investing in funds recommended by you. I would follow you very closely in future so please do keep guiding us. I need a Frank suggestion for you .. if I should stay invested in Gold ETF since that's the only fund in my portfolio which has negative returns. Kindly assist.
Hi Siddhartha, It depends on your need. If you want to invest some money in gold, you can continue investing in Gold ETF. Otherwise, exit
I liked the post very much, it gives overall knowledge of fund as well as which one is more risky and which one is safe to invest. Thanks for such a good article
Sir/ Madam, I want to do a SIP of Rs.1000/- which is the best possible option,,, for more than 5 -to-10 years
Hello sir
I want to invest 6000 thousand rupees per month in sip for five years and 10 years. So suggest me which sip is better.
I WOULD LIKE TOM INVEST 5000/- PM IN SIP..PL SUGGEST THE OPPORTUNITIES
I would like to invest Rs 5000/- PM in SIP pl suggest the opportunities
SIR,
MANY THANKS FOR YOUR ADVICE. I MADE A SIP IN FRANKLIN HIGH GROWTH CO. FUND IN NOV. 2015. AS ON 16TH MARCH, THE VALUATION OF THE FUND WAS RS. 16,179.00 ONLY AGAINST AMT. INVESTED OF RS. 15,000.
SO I WOULD LIKE TO SHIFT IN MIRAE ASSET EMERGING BLUE CHIP FUND DUE TO POOR PERFORMANCE OF THE FUND.
NOW, I NEED YOUR SUGGESTION.
sir,
i want to invest around 8000 rs monthly on small and mid cap funds(sip)plzz tell me how i should distribute this money among best funds.i have already invested 5000 per month in reliance securities tax saver having locking period of 6 yrs.Is that benificail or i should have to break it.plzz give your suggestion.
I need at least 5 lack in year 2018 for sisters wedding,is it possible? how much should I invest and which sip plan is best suited for me.
Please help me call me on 8770380754
What about icici prudential dynamic plan? Is it a better plan to invest?
good plan, you can invest
Sir, I want to invest in SIP 5K/ month, so suggest me the better one.
thanks & regards
Yogesh, You can invest in large cap and balanced funds to start with.
Hi Suresh
Am looking to do an STP for 3 years totalling 6 lacs each to the below equity funds after picking up some funds from this article.. can you pls let me know your suggestion if this is fine?
Kotak Select Focus Fund – Growth
DSP BlackRock Focus 25 Fund – Regular Plan – Growth
Franklin India Smaller Companies Fund-Growth
Birla Sun Life Equity Fund – Growth – Regular Plan
Birla Sun Life Pure Value Fund – Growth Option
Mirae Asset Emerging Bluechip Fund – Regular Plan – Growth
ICICI Prudential Balanced Fund – Growth
Hi Suresh
Am looking to do an STP for 3 years totalling 6 lacs each to the below equity funds after picking up some funds from this article.. can you pls let me know your suggestion if this is fine?
Kotak Select Focus Fund – Growth
DSP BlackRock Focus 25 Fund – Regular Plan – Growth
Franklin India Smaller Companies Fund-Growth
Birla Sun Life Equity Fund – Growth – Regular Plan
Birla Sun Life Pure Value Fund – Growth Option
Mirae Asset Emerging Bluechip Fund – Regular Plan – Growth
ICICI Prudential Balanced Fund – Growth
Can you let me know if
Good funds, stay invested
HI I WANT TO INVEST MONEY IN SIP , AMOUNT IS 2000 FOR 5 YEAR AND 2000 FOR 10 YEAR ,
PLEASE SUGGEST WHICH SIP IS BEST FOR ME , FOR BOTH INVESTMENT
Birla Sun LIfe Frontline Equity is the best one to opt out
1)Franklin India Small cos.-10yrs
2)Dsp Br Microcap fund-5 yrs
would be good
Hello Sir,
Thank you for the article. I wanted to ask you that when would be a good time of the year to start an SIP? Do I wait till April end (as market is high now)? Also If you can suggest me of how I may build my profile and what are the funds I can invest in with an investment capital of ₹10K per month for a long term? Thank you in advance.
ICICI pru balanced fund will be the best one for 10K investment per month..
Hi Sir,
i wanted to invest in mutual funds my financial goal is for short term but when i have gone through few schemes i see that 1 or 3 years has good returns compared to 18-24 month one of the banker suggested to go for 18 month. So as per my financial goals should i go for 1 year or 18 months ?Will there be any difference in returns for 1 year or 18 months?
thanks in advance for you suggestion
Dear Mr.Suresh,
Can you please clarify the differnce between Growth, Direct Growth funds.
Thanks, Krishna Murthy from Chennai
Dear Suresh,
I am investing in following MF ,growth plans thr. M SIP since last one year
1-F India Small cap,2- Principal Emer. Bl c ,3-Can Rb Small cap.,4-DSP Black Micro,5-Mire Emer B Chip, 6-RIL Small cap,7-SBI Mid cap.
Got allotment in ICICIpreu Ins. & Redio City
Pl.advise.
Thanks,
SCM
Dear Sir,
Firstly, thanks for the article and it is very usefule for fund management.
I want to invest Rs. 2000/- in SIP from April-2017 for 3 to 5 years. Kindly suggest which one is the best. Can I pay any capital gain on that?
Sir, is HDFC Prudence Fund – Regular Plan – Growth a good mutual fund to invest an amount of 1 lakh in. If there are better alternatives please suggest.
Hello Sir,
I want to start an SIP with Rs 1500/pm for 4 years planning for my marriage.
Just me for which SIP should I go for?
hi team,
Recenty i bought One HDFC click 2 invest ulip policy for 5 year term, 50 K anually
should i go for this?
or go for SIP plan 5K/month for 5 year
Please suggest me
Hi,
Should i invest in ULIP policy, Recently i bought HDFC click 2 invest ULIP policy, 5year , 50K anually,
should i go with it or cancel it asap. ??
Hey Suresh,
Can you please suggest best two SIPs for my investment of 20K/month for 5 years.
Appreicate your quick response.
Regards,
Priti
Hi Suresh,
Thank you for sharing your ideas. Would the performance of these funds be negated if the current boom of the markets were to burst? Assuming a market crash in late 2017, or mid 2018, what could be the practical expected return after 10 years, for a SIP involving Rs 3000 a month invested in a medium-risk portfolio?
what about buying these funds through demat from geojit platform. buying sip from directly. which is good option
Hi suresh
Thanks for the suggestion
Currently i have 5 sips of 1000 each from last 1.5 years i.e Axis Long Term Equity Fund ,Birla Sun Life Tax Relief 96 Fund ,Motilal Oswal MOSt Focused Multicap 35 Fund ,Motilal Oswal Most Focused Long Term Fund , Reliance Tax Saver Fund.Firstly i want to know wheather this is the right track or not ?
Also sugget some more sips to invest 2000 /- month in 2 different funds for 5 years .
Regard
Sambhav
want to invest 10000/pm please suggest good MF (for three) (is it required facilatator code)
I wanted to invest for 5 years- Rs-20K per month SIP. Pls suggest good fund
Hi sir,
Please suggest me best plan I want to invest sip 1000 per month for 3-5 years.
Sir,I want to invest in sbi blue chip(G) mg in 2000 rs sip for 5 years is it good?
Hi,
We want to buy 3 sip plans for different time periods 10 years,15 years and 20 years for our new born baby .Please suggest sip plans for all three periods ?
Dear Suresh Sir,
I am looking to invest my father's retirement earnings (around 10 L) to mutual fund for horizon of 2.5 years, After 2.5-3 years i want to utilized that money for sister's marriage and house. Could you please suggest me some good yet low risk MF or any other option please.
Thanks in advance..
Hi ! Suresh..
Thanks for the wondeful article.
Need your guidance to make an effective investment for me . I am 46yrs old and already having some MF Investments ( SIP around 9.5k per month) . As per asset allocation it is 91.8% on equity and 7.6% debt.
Could you please suggest some Mf funds for investment
Thanks,
Sajal
Can you please guide me
sir, can you plz tell me
what I have to check in offer document while starting
SIP
Hi,
First time i am going to invest in mutual fund, planning to invest monthly Rs.5000 for approx 10 years time. Would like to take calculated risk and will expect to get approx 12-15%…which is the best option for me…plz suggest
Hello Sir,
I am investing in 10 mutual fund as per your advice of Top 10 best mutual fund since 2015.
Now i feel UTI equity and UTI mid cap is not performing as compare to other mutual fund in those catogry.
Please advice if i can swithch to other fund or hold for some more time to see if thier performance increase.
Thanks & Regards
Deepak
Hi,
i am already have SIP in HDFC Top 200 from last 5 year but not satisfied returrs from fund so please suggest me should i continue this fund or move to another funnd if yes please suggest fund my reference for below
1) SBI Blue Chip Fund
2) Birla Sun Life Frontline Equity Fund Growth.
3) ICICI Prudential Focused Bluechip Equity Fund
Thanks
Suhas
Please confirm…waiting for your suggestion
Dear,
I am plan to inveset for five years with low risk means not loose capital and more return let me know which is best for feture five years
Let me know which is good investment funds for feture five or 10 years
Hi Sir,
I would like to invest some money in Mutual funds..
As of now no TDS detection for me, and I am 21 years old.
I can afford Rs 3000 in a month for investments.
So, please suggest me some good mutual fund schemes…
Thanks,
AKHIL KUMAR K.
Hi Suresh
Its a really good article for beginner in SIP.
I have query, When we invest in SIP to any of the plans, worst case if stocks falls, we will be getting back what we invested or even that will be lost ?
I am planning to invest from next month and I am hesitating a bit as it will be my first investement.
hello sir,
I have invested in IDFC premier equity plan A(G) through SIP about 65000, stopped for a while for some reasons. Now the value is 71000, kindly suggest any good fund to switch. I will invest 3000 p.m now onwards for next 10 years. Pls. suggest
i am getting 20lacs in Jul17 by meturity of FDs. Plz suggest best investment of options either Mutual funds or Equities to get safe returns
Hi Sir I m new investor I want to invest in mutual fund sip for 10 years for 4000 per month and I can't take risk plz suggest me which is the best fund
Hi
How to start a SIP? Whom to approach? I want to start investing in various SIP immediately
Please reply
You can open mutual fund account with any MF broker like icicidirect or fundsindia and start SIP immly.
Hi Suresh,
I would like to start Rs 1000/2000 each in 3 Mutual funds for next 5-10 years. I am 46 years old now.
Please advise me best options for the same.
Thanks
Sir, How about investing in hdfc top 200 fund for a period of say 5yrs?
Hello I am Nishant. My current sip is DSP BLACKROCK MICRO CAP MUTUAL FUND at rs 2000.
Now I want to opt one more sip for rs 2000 but I have three options and I am in dubious condition. Could you please suggest me one sip from given below options?
SBI Magnum Mid cap Fund Growth
SBI Bluechip Fund
Franklin India High Growth Companies Fund
HI,
I am planning to invest through SIP in various funds with different amounts worth 6-7k monthly as of now for 3-5-10 years respectively.
Which funds should I consider to invest into and what's the procedure to invest.
Please guide.
Thanks!
Good Articles Suresh. Worth reading! Thanks much for the valuable Information.
help sir pls tell me if i am invest for a year so which mutual fund give me more returns
Don’t invest in mutual funds for such short period of 1 year. Invest in MF’s for long term
Where can we invest if period is short i.e. 1year? Won't that give good returns?
Hi
I want to invest in mutual fund for 20 yare for my new born baby 1000 as sip in 3 funds
Kindly provided me
Regards
Nishid kanani
Hi Nishid, You can invest in Birla SL Frontline Equity fund, ICICI focussed blue chip fund, Kotak Select Folcus fund etc., through SIP.
Hi Suresh,
Thank you for this wonderful article!!!
I am planning to start SIPs next month (April-2017) onwards.
Could you suggest me some SIPs with High-Risk and High Return Category for a period of 5 to 10 years!
Thanks,
Prashant
You can invest in midcap/smallcap funds indicated in this article. You can also invest in top sector funds, however these are high risk.
good guidance for investors.
I want invest 10,000/- per month looking for best SIP plan please suggest. for long term
I want rs 10000/_ in sip which one will cimfertale to me and what will be return after 10 yrs.
i am a student my current age is23 years and i want to long term investment for 15 years with sip only 500 per month . please suggest me some fund for the motive of capital aapreciation
Hi Suresh, i want to invest in a debt fund, 1 lac per month for a year, accumualte 12 lacs for house downpayment then take out the investment. However due to recent fall in debt not sure which fund to buy?
I am investing in hdfc top 200, Hdfc equity fund,via sip Rs 1000 each from Five yrs ,Kotak select focus Rs 1000 From 1 Yrs. Should i continue or amend my fund.Pls suggest.
I want to further invest Rs 5000 Per month via sip mostly in mid and small cap.pls suggest
If I enter today in mutual funds when market is 28500. There r reports that funds esp mid cap are overvalued so wont my money stay static for a long time .Should I wait for next year when the rates come down,
we have start sip different company but returning is not better so kindly suggest me .
1. trgp axis triple advantage fund-growth
2.esg icici prudential mid cap fund-growth
3. 8176 icici prudential value discovery fund -direct plan growth
4 -earg reliance top 200 fund growth plan growth option
5. 103g -sbi blue chip regular plan-growth
6. 007g sbi magnium equity fund regular plan-growth
i want to invest in SIP form monthly 5000/- & near about plz send some guide line i want to get return after 10-15 years.
hi sachin.. kindly contact me for the guidance.
please suggest about bajaj futre gain SIP
Shiv, Bajaj Future Gain is ULIP plan. You can stay away with ULIP.
very good guidence.
thank you Debapriya. Pls share this on your FB so that your friends would be benefitted
i am planning to invest in sip…can u plzz suggest me which sip plan would b the best for me. i would like to go either for 3 or 5 years plan.
A lot of thanks for providing abetter and usefulknowledge for new investor
Very good article Suresh. I am new to mutual funds & started doing SIP of 15 thousand from this month for Child education (child is 6 month old) and wealth generation for long term. Selected the below fund as per your article and using fundsindia for investment. Wanted to know your opinion if I have chosen too many funds ?
Also I have sold my ELSS funds after 3 years locking period and have 1 lakh Rs that I want to invest lum sum . Should I invest in these funds that I have started SIP for ? or invest in new funds?
Would really Appreciate your inputs. Thanks in advance.
Large cap:
1) Birla Sun Life Frontline Equity G = 2000 Rs
2) ICICI Pru Focused Bluechip equity Fund G = 1000 Rs
Mid Cap:
1) Franklin India Smaller Companies Fund = 2000 Rs
2) Mirae Asset Emerging Bluechip Fund G 2K = 2000 Rs
3) DSP BlackRock Micro Cap Fund G 3k = 3000 Rs
Diversified
1) Principal Emerging Bluechip G = 2000 Rs
2) Kotak select focus fund G = = 2000 Rs
Dept:
1) Birla sunlife dynamic bond fund retail = 1000 Rs
Shoib, You have selected top performing mutual funds. You can invest in them. Regd lump sum wait for any market correction and invest in large cap and midcap funds.
Thanks Suresh Sir for the wonderful articles.
I am planning to start SIP with the following Funds. 3000 Rupees for each.
Large cap
Birla Sunlife Frontline Equity Fund
Mid cap/small cap
Mirae Asset Emerging Bluechip Fund
Diversified
Tata Equity P/E Fund Gr
Kotak select focus fund
Balanced:
HDFC Balanced mutual fund
Could you please advice me if the above funds are okay?
I am 31 years old and Moderate to High Risk taker.
Good funds Sampath. If you are high risk taker, invest more in midcap/small cap funds
can you advice sip for starters
You can consider investing in all these top 10 stocks which is suitable to majority of the investors.
Hiii sir,
I am naive to this field but want to invest 10000 rs per month. Franklin is better alone or add some other like Mirae or sbi bluchip.
Hello Sir,
thank you for this article.
I am new to SIP, however i am investing regularly with the help of my uncle.
Could you please take out some time and review my portfolio.
Needless to say i will be adding few of the SIP mentioned above by you
I invest 5000 each month in the following for the last 6 months
Axis Long Term Equity Fund – Gr
Birla Sun Life Frontline Equity Fund – Gr
Birla Sun Life Small and Midcap Fund – Gr
BNP Paribas Midcap Fund – Gr
DSP BlackRock Micro Cap Fund – Gr
Franklin India Smaller Companies Fund – Gr
IDFC Premier Equity Fund – Regular Plan – Gr
L&T India Value Fund – Gr
Mirae Asset Emerging Bluechip Fund – Gr
Mirae Asset India Opportunities Fund – Gr
Reliance Small Cap Fund – Gr
SBI Blue Chip Fund – Gr
Sundaram S.M.I.L.E. Fund – Gr
UTI Mid Cap Fund – Gr
Good funds. Stay invested.
Thank you
please let me know in-case you feel there is any bad fund in the ones i have mentioned.
Thanks again
Dear Sir,
Is there an options for Flexi SIP, let say 1st time for Rs.7000/- for below listed MF’s and afterwards Rs.1500/month on each funds until 5 years of term. Please advice.
DSP BR Focus 25 Fund (G)
Kotak Select Focus Fund – Regular (G)
Principal Emerging Bluechip Direct-G
Mirae Asset Emerging Bluechip Direct-G
SBI Magnum Midcap Fund (G)
Regards,
Ashok
Dear Team
I want to invest 5000 monthly as SIP in Mutual Fund. I am 34 yrs old. Pls suggest
You can invest in large cap funds indicated in the article
DEAR SIR,
I wish to invest a sum of Rs.10 lakhs in Mutual Funds. Need your expert advice as to which funds will be the best to invest in. i would be grateful if u recommend the best way my funds to be allocated in a well balanced manner.
.Eagerly awaiting your reply.
Thanking You,
Paresh Shah
Hi Suresh
I am investing from past 16 months in SBI Magnum Global Fund – Regular Plan – Growth SIP plan , i am thinking to change the plan please suggest better plan in sbi
Plz suggest procedures of start sip scheme
Dear sir
I wana invest in mf.i am a middle class person. i wana invest rs. 6000 per month.
Pls suggest me in which fund i should invest.
Hi Suresh.. please let me know hw my portfolio works for 10 yrs if proceeded as follows…BSL EQUITY FUND-2000 rps.ICICI PRU BALANCE FUND-2000 rps..HDFC BALANCED FUND-2000 rps…
Dear sir, I have
SBI blue chip,
SBI pharma,
SBI global
DSP micro
Franklin smaller companies
with monthly sip of 1k. Please scrutinise my investment and guide me to re balance my portfolio.Please indicate which fund i suppose to switch.
thank you
Hi Ashok, All these are good funds except for SBI Magnum Global Fund. This is midcap fund. There are better funds like DSP BR Microcap fund or Franklin India smaller cos fund which are good in midcap and small cap segment.
i want to invest 1500 per month suiresh ji kindly advice s which one to inverst in9419127782
regards
jatinder
Hello sir,
Iam 39 yrs oldinvesting Rs10000 pm ,S.I.P in Birla Sunlife Equity fund for the past few months i have an horizon of 16 years.Kindly suggest how is this fund and should i stay invested in this.Also i plan to invest another Rs 5000 in some fund for the same period.kindly suggest.
This is a multicap fund. It is good fund, stay invested. Additionally, you can invest in large cap fund like Birla SL Frontline or ICICI Pru Top 100 Mutual fund
Hi,
I m government servant.working in midc as fire secure .I want to invest Rs 7000 to 10000/Month in sip .please Advice me
From
Santosh
Hi Suresh,
Greetings!
I am a NRI and interested to invest in MF INR 30,000/Monthly. Based on this article I had prepare below portfolio for my invest plan.
BIRLA SL FRONTLINE EQUITY RS 5000/MNTH
ICICI PRU TOP 100 FUND RS 4000/MNTH
FRANKLIN (I) SMALL CAPS RS 7000/MNTH
MIRAE EMERGING BLUE CHIP FUND RS 4000/MNTH
KOTAK SELECT BALANCE FUND RS 5000/MNTH
ICICI PRU BALANCE FUND RS 4000/MNTH
Please advise its good to go or you have any other suggestion for same.
Your prompt reply will be highly appreciated.
Warm Regards,
Beny
Dear Suresh Sir,
Have sent a mail to you, looking for advise. Please let us know the best way to be in touch with you to seek your advise.
Hi! I’m rather a new investor to Mutual funds…want to know the very basics… 1. what portion of my savings should be into SIP? 2. what should be the ratio of investment in Large Cap, Mid Cap n Small Cap or diversified equity funds? 3. please suggest, how’s Indian money market is projected to grow in future? 4. Please suggest some initial funds to fulfill my post retirement pensions, son’s education (he’s 7 yrs now) & yearly vacations with family…
Sir,
I was investing through SIP for the last 2 years in 1.Birla mnc fund – 2500, 2.HDFC child invest plan – 2500.
My plan is to invest for the period of 15 to 20 years for long term goal.Is these funds are good to invest for the long term or any other fund you recommend.kindly suggest.
Hi Suresh,
I’m investing in below funds for lst year. Should i continue investing in these or do you recommend different funds:-
HDFC balanced fund
Franklin Prima plus
Franklin Smaller cos
Axis ELSS
Vinit, The one you have indicated are good funds. You can continue to invest
Hello Sir,
I am 31 years old female and doing regular monthly SIP since past 5 years. Below is my portfolio in 2016, would like to know your viewpoint.
1) UTI Opportunities Fund Growth – Rs 2000 per month
2) HDFC Top 200 Fund Growth – Rs 1500 per month
3) HDFC Equity Fund Growth – Rs 3000 per month
4) Reliance Equity Opportunities Fund Growth Plan – Rs 1000 per month
5) Axis Long Term Equity Fund Growth – Rs 1000 per month
6) Franklin India High Growth Companies Fund – Rs 3000 per month
7) Sundaram Select Mid Cap Regular Plan Growth – Rs 1500 per month
8) DSP Black Rock (Small & Mid Cap Fund) – Rs 3000 per month
9) SBI Blue Chip Fund Reg Plan G – Rs 4000 per month
10) Birla Sun Life Mutual Fund – Rs 4000 per month
Kindly suggest if I should continue my SIP’s in these funds or should I switch to some other funds ?
Rimjhim, Some of the funds like HDFC Top200 are underperformers, however they are improving. You can wait and take call. Also in mid-cap segment, you are investing in sundaaram select midcap and DSP BR Small and midcap. There are better funds. Review my list and switch if possible
Sir i want to invest 6000 per month in SIP for a time period of 3 years. Please suggest me a good sip mutual fund. THAnk you
Hello Sir,
I am Arjun verma,My age is 29 and looking for best SIP and monthly investment budget is 5000,
already have Post office NSC 30000 for 5 years ..
Please advise me , i don’t have any knowledge about market.
i can take medium risk .
Hi, I have monthly SIP of Rs 1500 each in HDFC Top 200 Fund Growth, HDFC Equity Fund Growth, Franklin India High Growth Companies Fund & Sundaram Select Mid Cap Regular Plan Growth.
Kindly suggest if I should continue my SIP’s in these funds or should I switch to some other funds ?
hi i want to know at this time best option for invest lumpsum or sip
I I am working in private sector, i want to invest approx 1 lac lumshup per year,SIP,
Please suggest best investing plan.mutual fund/…………..with good return.
Hi my age is 30 yrs and I want to invest in SIP. Which are the good ones… Can i invest in SBI mutual fund (sip) or icici prudential mf (sip)
Hi sir,
Thanks for sharing this info to build good portfolio, I’m really liking this article and shared with some of my friends.
I’m not able to order Mirae asset blue chip fund, using icici direct and Sharekhan… Any reason??
I too faced this problem. You consider investing in other top funds indicated in this article.
I am planing to take SBI Life – Smart Scholar ULIP plan for my son (6 months old).I am planing to pay 1lakh per year for 5 years.
I am expecting maturity amount of around 22lakh after 18 years (for education).In this plan I have to select one of the below fund. Which fund I should select ? Everybody is selecting Bond Fund I don't know why ?
a)Equity Fund
b)Top 300 Fund
c)Equity Optimiser Fund
d)Growth Fund
e)Balanced Fund
f)Bond Fund
g)Money market Fund
Is it a good plan ? or Should I go with a SIP or any mutual fund plan to achieve my goal?
There should be STRONG reason for you to go for ULIP plan. Are you okay if you get 5% to 8% returns? If not, choose a good term plan and invest your hard earned money into mutual funds through SIP. If you do not want to invest in MF, invest them in recurring deposit which can fetch you 7% returns.
HI
SURESH KP SIR
HAPPY NEW YEAR 2017
I NEED YOUR SUGGESTION
I HAVE SIP ICICI PRU DISCOVERY 5000 MONTHLY & BLUECHIP 5000Rs. & i want to add HDFC BALANCE FUND 2000 + BIRLA BALANCE 2000+ RELIANCE BALANCE 2000RS. & Want to invest 1lacs for mutual fund lumsome kindly suggest
REGARDS / RAJESH KP
Hi Rajesh, Currently markets too some beating, hence you can invest lumpsum. However in large cap funds indicated in this article. If you want lower risk, go for balanced funds indicated in this article
Hi,
Thnaks for the article, it is quite interesting.
I have to plan Mutual fund SIP in this year 2017.
am 29 year young,
Currently having PPF account investment 1.5 LPa
LIC with 35K, having return of 7 Lack after 15 years.
Now want to statrt further investment looking towar
d child educatin, pension plan and good returns.
Budget is 10K per munth.
Please suugest or make good portpoli that how can I invest.
Hi my name is tushar and 26 years old , i want to invest in sip on monthly basis. I don't know anything about market. Please guide me.
Currently I'm working in HSBC as a CDD analyst. I can invest aroubd 8000 per month.
Please tell me some plans and guide me to register through online. I don't want to go with the agents
HI, I AM SANJIB SAHA, A STATE GOVERNMENT EMPLOYEE,WANT TO INVEST IN SIP.SUGGEST ME WHICH PLAN WOULD BE BEST FOR ME??????
Hi,
Thank you so much for the detailed post.
Dear Suresh,
Thank you very much for such an informative post. I am MF investor from last 8 months only and I am investing in following funds for 12-14 year time horizon for child education and 20-24 years for retirement
Equity:Debit- 75:25
1) HDFC balance fund- 15%
2) HDFC mid cap oppurtunity 10%
3) Axis long term equity fund- for ELSS 40% (I have doing it so high % because of my 80C limit)
4) Franklin smaller companies fund 10%
Debit-
1) Franklin India Ultra Short Bond Fund-Super Institutional Plan- as liquid fund 5%
2) Franklin Low duration Fund- direct growth- ultra short term 10%
3) ICICI long term plan direct growth- dynamic fund 10%
Apart from that I have FD as emergency fund for 3 month of salary and further needed, I will use liquid fund for that. I have term plan which is 15 time higher than my annual income and health insurance which is 8 time of my monthly income.
Do you suggest for any change in equity or debit portfolio or to add/remove any fund, I am expecting 12-13% return from my equity part and 8% from debit part, I am moderate-high risk investor, atleast for the next 10 years until I become 45 years.
Many Thanks in advance for helping us.
Hi,
I am Usman Working in a private company. My age is 30 years and I want to invest 5000/- per month in best SIP. It would be first time that i will invest my money in mutul funds request you to please suggest me best growing plan for best future returns,
Hi,
My name is Ankur Kumar Saini. I am investing in three funds as given below
Hdfc balance fund direct growth – 1000 rs
Uti mid cap fund direct growth -500 rs
Uti transportation and logistics fund direct growth – 1000 rs
My question is are these fund OK and I want to invest more in fund will you suggest some fund name fro midcap or smallcap
Thankyou
Hi ,
Thanks for the article. I am impressed the way it is written. This is Hariprasath,30 years young :-).
• My aim is to create wealth around (10% – 20%)
• investment horizon is 10-15 years
• Moderate risk taker.
My investments below.
Life Insurance
LIC & Exide life insurance with life coverage + Pension plan – Rs 60,000 Per year
Debt Portfolio
RD & FD – 60,000 per year and no Debt mutual funds
Equity portfolio – SIP/Month
1. Large cap–> SBI Blue chip – Direct Growth – Rs 2, 000
2. Multi cap–> ICICI pru value disc fund – Direct Growth – Rs 1,000
3. Small& Mid cap
a) Franklin Small companies- Direct growth – Rs 1,000
b) DSPBR Microcap – Direct Growth – Rs 1,000
Also I have completed my Home loan recently and hence need to start ELSS from next year.
Can you advise
1. Whether my portfolio is in the correct mix. If any corrections required, please advice
2. Please suggest some ELSS mutual funds for my portfolios.
Hi Hariprashant, The funds selected by you are good except for ICICI pru value discovery fund. There are better funds than this in this segment. Add more large cap funds like Birla SL Frontline equity fund or ICICI Top 100 fund. Regd some of the best funds for tax saving ELSS are Axis long term equity fund, DSP BR Tax Saver fund, Birla LS Tax relief 95 fund etc.,
Hi Suresh
Goal: 50 years in 10 years.
Investing in Rs. 2000 each for 10 years in growth option of:
1. ICICI Pru focused Bluechip fund
2. Principal Emerging Bluechip
3. ICICI Pru top 100
4. HDFC Mid cap opp fund
5. DSP Micro Cap fund
I want to add Rs. 5 lacs in lump sum now that market is correcting. Should I add 1 lac in each of these above mf? Or select different set of MF for lumsum.
The mode will be via debt fund and STP.
Rgds
Sonal
Hi Suresh
You skipped my query.
Rgds
Sonal
Hi Suresh,
I have been investing in SIPs for the last one and half years. My portfolio has MFs like HDFC Balanced, ICICI Prufocussed Bluechip, UTI Midcap, HDFC Midcap Opportunities and SBI Pharma. It has been a bumpy ride till now but for the last month or so my gains have crashed. Do you suggest I swap some of my MFs and if yes then which ones?
Regards,
Biswadeep
I am planning to invest in 2-3 mutual funds in the next 2-3 months for the period of 18 years . Suggest me the mutual funds safe to put my money. Is balance fund the right option?
Sir..u hv not replied to my query till yet..as I am first time MF investor so I need ur advice
Regards
Bir
Hi Biru,lt depends on your risk appetite. If you are high risk taker invest in midcap/small cap funds indicated in this article. If you are moderate risk taker, go for large cap funds. If you want to take less risk, go for balanced funds.
hello
i have invested 5k/month for 3 years on franklin india opportunities fund growth. i started on 04.11.
2015.so my question is shall i continue on this fund or i switch to another.
I am new to mutual funds and i want to invest.
Which mutual funds companies is good?
Need your help..
Hi Naina, Start investing in large cap funds to start with. Keep reading all my articles on mutual funds. You would get idea which funds are suitable to you.
Hi
Kindly suggest for the below SIP’s since 10 months: should i continue
UTI Equity Fund(G)..1K
BNP Paribas Mid Cap Fund(G)…2K
Mirae Asset India Opportunities Fund-Reg(G)..2K
Regards
Janardan
Good funds, stay invested
Dear,
I am J. Pradeep, working as a private employee . My age is 28 and I am planning to get marry in 2017. I can invest 3000 per month. Please suggest me good investment plan that will help me in future
Hi Pradeep, Congratulations. I wish you have a bright future ahead after marriage in 2017. You cna invest in large cap indicated in this article for rs 1,000 each per month thru SIP
I want to stop sip in UTI MNC fund and planning to invest in ICICI valiu discovery fund.
Pl give openion about it
UTI MNC Fund invests in MNC companies. These have provided good returns all along. However, I indicated 2 years back that such funds can downturn and suggested to invest in some other funds. ICICI Value discovery fund is midcap/small cap category fund, however there are better funds like DSP Micro cap fund, Franklin India smaller cos fund etc.,
i have just started investing.my age is 25. currently my portfoli is
1. Rs 1000 sip in dsp black rock micro cap fund
2. Rs 1000 sip in invesco india contra fund.
pls suggest me is it a good portfolio. i am also thinking to start a Rs 1000 sip in kotak select focus.
also suggest me to invest lumpsum amount of Rs 30000 for 3 yrs
Both are good funds. Stay invested. Kotak select focus also good fund.
Hi Suresh,
Need a suggestion on the mutal fund i have invested on Axis equity long term fund for Rs.2000 as SIP. Im new to mutal fund, is this paln fine or should i go for any other plans
Hi Jacquilne, It is good tax saving mutual fund. Continuing investing.
Hi I am new to mutual funds, and have invested in axis long term equity plan for fixed 3 years, Please suggest is this good plan, i have just started this month.
sir,
My investment portfolio is as below
1-ICICI VALUE DISCOVERY FUND(R) GROWTH AMT-2500/PM
2-ICICI FOCUS BLUE CHIP(R) GROWTH AMT-2500/PM.
My plan for investment is for 20Years…plz suggest me.
1) ICICI Pru Focussed blue chip is one of the best mutual fund to invest. 2) ICICI Value discovery fund is good, however there are better funds in midcap/small cap category. You can consider investing in the funds recommended by me if you are okay to replace this fund.
I, Shashi has started two plan 1-ICICI FOCUS BLUE CHIP & 2-ICICI VALUE DISCOVERY FUND, both regular growth equity plan, each amounting 2500/pm since last two year and will continue for 20 years..my investment is only for long term..plz suggest me, whether my option is right or not.
Dear Sir,
I don't have any knowledge of Mutual fund. I m 40 years old , and i want to invest Rs.20000 per month in Mutual Fund for 10 years.
I m having business , and no liability right now.
Please suggest the right fund , i m ready for 50% risk and 50% safe investment…
Hi Nilesh, You can invest Rs 10,000 in large cap funds indicated in this article. Balance 50% invest in balanced funds. Balanced funds are relatively safer compared to equity funds though risk is not eliminated.
I want to buy mid cap small cap dsp br micro fund …but which exactly is buy not describe. Here . Regular or growth or direct plan
In above ur statement which is plan describe regular growth ditrect ..its canfuse me
Hi Vijay, If you want regular income, try for dividned option. Generally for wealth creation you can invest in growth option. Also if you can do your own KYC, you can invest in direct plan. If you are going thru some broker, just invest in regular option.
can you suggest some debt fund for 3-5 yrs of investment of 6k pm.
You can refer this article for more info about some of the top debt funds to invest in 2017. https://myinvestmentideas.com/2016/05/top-debt-mutual-funds-to-invest-in-2016-in-india/
I think in 2016-2017, Banking and Infrastructure sector will perform better. Anyone may go for SIP route in various mutual fund banking and infrastructure sector at least for 3 years horizon. I think in 2019, market will go up tremendously and create a “NEW RECORD”.
Best of luck
Dear Sureshji,
As I am new and am planning to invest and my portfolio is
1)Reliance small cap fund growth
2)DSP Black rock micro cap fund growth
3)SBI Blue chip
Kindly suggest me for suitable/good funds for 3 years from now.
Regards
Gokul
Gokul, 3 years is very short period for mutual fund investments. You can invest in debt funds if you still wish you invest for 3 years.
But the for MFs the maximum return shwing is 3rd year. As per the above tables in after 5 yeras the return is less. So I am confused which one is better for MF. Please help
Regards,
Ajay
Thank u very much sir..easy to choose funds.
Dear Suresh,
My Name is Suresh, I am a new to Mutual funds, i am 37 years old, i can manage savings upto Rs.35000/- a month. Please suggest me how can I invest my savings in Mutual Funds. I am planning to retire at the age of 50 or max 52 years.
Regards
Suresh
Hi Suresh, good to know about you. Out of your total savings, you can keep some money in your Bank FD for any emergency money. Balance you can start investing in the combination of the portfolio I have indicated. Since there is scope for you to continue your investments for 13-15 years, you can choose best mutual funds to invest from this list.
Dear Sureshji,
As you advised if we invest Rs. 1,000 per month in Birla SL Frontline Equity it will be Rs. 60,000 for 5 years and investment value would be Rs. 97,000 instead if I invest lumsum 5-lakh what??? Please tell me I am asking this for my knowledge as I am under study of your articles as advised by you.
Sayed, When you invest some money thru SIP all market swings are being adjusted. If you invest Rs 5 Lakhs when markets are down, you may get good returns. However defining “markets down” is difficult. Hence you may even loose your capital sometimes. 1) Try SIP option 2) If you wish lumpsum, invest in top debt funds and do STP to equity funds with 10-12 months SIP. This way you would gain from SIP method.
Thinking to switch two funds
1.From icici pru focused bluechip to SBi bluechip or kotak select focus in Large cap
2.From Franklin india prima plus to icici pru value discovery in multi cap
After switching they will top (in terms of reurn % & rank) fund in their respective category .
Whats ur suggestion .??
Hi
I am investing for last three years as under
Birla SL MNC Fund-Growth Rs 5000.00
HDFC Midcap Opportunity Fund-Growth Rs 6000.00
Kindly advise about the plans and let me know one or two funds for further investment of Rs 9000.00 per month
Good funds Rajeev, stay invested. You can add large cap funds like Birla SL Frontline equity, ICICI Pru Focussed blue chip fund and ICICI Top 100 mutual fund etc.,
Hi Basu,
My portfolio is :
1)HDFC Balanced Fund(G)
2)HDFC Prudence Fund(G)
3)ICICI Pru Focused BlueChip Equity Fund(G)
4)ICICI Pru Value Discovery Fund(G)
5)Invesco India Mid N Small Cap Fund(G)
6)Mirae Asset India Opportunities Fund-Reg(G)
I have invested for last 2 years using SIP option but now paused as market was not good.
now I want start with investment using SIP, Pls advise which of the existing or new MF I should go for?
You need to make some modifications to your portfolio. All funds are good except for Invesco India mid n small cap fund. Replace this with Franklin India smaller cos fund or HDFC mid-cap opps fund. Add more in large cap during market corrections so that you can gain more. Invest in funds like Birla SL Frontline fund or ICICI pru Top 100 fund etc.,
Dear Suresh,
From Jan-2016 i started investing in the below funds, please let me know if i need to do any changes for 2017. I am planning to invest this for next two years. Thank you in advance.
Mirae Asset Emerging BlueChip-Reg(G)- 5,000.00
Birla SL Dynamic Bond Fund-Ret(G)- 4,000.00
Birla SL Top 100 Fund(G)- 4,000.00
Franklin India High Growth Cos Fund(G)- 4,000.00
SBI BlueChip Fund-Reg(G)- 5,000.00
Franklin India Taxshield(G)- 4,000.00
Axis LT Equity Fund(G)- 4,000.00
You are investing in good mutual funds. Keep investing in them. If you find this article useful, you can refer to your friends about such top mutual funds to invest
Sure. Thank you.
Dear Suresh,
Thank you for great contribution for your financial literacy to public.
In these times, if we want to invest Lump sum amount in Balanced fund as you said, which kind of funds
to be selected either Equity Balanced -Aggressive or Conservative. Secondly, if we want to go for Debt Balanced, either Debt Balanced – Aggressive or Conservative.
I am long term investor and I can go for high risk-reward profile for 3 to 5 Years.
With Best Regards,
Laxman
Hyderabad.
Hi Laxman, It is immaterial. You can go for any balanced mutual funds now. Since market are taking huge corrections, you can invest lump sum money in large cap funds or mid-cap funds. you should be willing to invest for 5 years minimum.
I have invested in following funds 1. Franklin high growth company fund growth – 1000
2.dsp black Rock equity regular fund (G) – 1000
3. Icici prud value discovery fund (G) – 2000
I want to invest 3000 more which MF will be good. Time frame is 15 to 20yrs.
DSP BR Equity fund is average performer. There are better funds to invest. You can invest in large cap funds like Birla SL Frointline and ICICI Pru top 100 fund and midcap/smallcap funds like Franklin India smaller cos fund and HDFC Mid-cap Opps fund
Hello,
I am investing in following funds from last 6 months. I plan to invest them for a long term 10+ years. Please review and suggest any changes.
Franklin India Smaller Companies Fund (G)-Rs.1000
Axis long term equity-Rs.1000
Canara Robeco Emerging Equities (G)-Rs.1000
SBI BlueChip Fund (G)-Rs.1000
L&T India Value Fund (G)-Rs.500
ICICI Pru Exports and Other Services Fund (G)-Rs.1000
ICICI Pru Discovery Fund (G)-Rs.1000
SBI Magnum Global Fund-Rs.500
SBI Magnum Balanced Fund-Rs.1000
Thanks,
Tanmoy
Some of the funds are not consistent performers like SBI Blue chip fund, L&T India fund, SBI Magnum global fund, SBI magnum balanced fund. You can invest in better funds in respective category.
Sir I invest in sip 3000 kindly suggest suitable scheme
Hi Kumar, Invest in large cap funds to start with. You can check some of the best performing mutual funds like ICICI focused blue chip fund, ICICI top 100 and Birla SL Frontline equity fund etc.,
Dear Suresh,
Could you please advise for some Mutual funds for ONE TIME investment.
Regards,
Jatinder Singh
Hi Jatinder, For one time MF investmnets, you should invest in debt funds or balanced funds. Since markets are correcting now, best way to invest lumpsum in mutual funds is selecting balanced funds.
Dear Suresh,
Could you pls suggest which are the best to invest
Hi Jatinder, You can invest in all these funds indicated in this article.
I recently started a SIP of 5000 each in Axis Long term equity Growth and Franklin India Tax Shield for retirement.
Now I want to invest another 5000 in small/mid cap fund for a horizon of 3-5 years. Can you please suggest a fund or 2 for the time frame.
Smallcap / midcap funds are high risk and cannot be invested for short duration of 3-5 years. If you still wish you invest, you can look for DSP BR Microcap fund, Franklin India Smaller cos fund etc.,
sir my only daughter turns 18 on 5.11.16 for i am taking atal pension yojna,accidental n term insurance thru bank rs 220/-, 12/- n 330/-
iwant mutual fund for her sud be 500/- per month n one pure term insurance which i hv seen pnb met lifes mera term plan for 50 lakh term 40 years n premium around 4k
pls guide me anything further i hv to take
but pls gv me mf s details to my email sir
thanks
sriniwas
akashwani
amravati
hi,
I have sip in the following funds of 1000 each in Growth plan since last 3-4 years. Please let me know if I should stop or continue
1. uti opportunities fund
2. idfc premier equity
3. uti mnc fund
4. uti equity fund
5. icici pru exports and other services
6. reliance equity opportunities
Sir,
Can we consider above MF for lump sum investment?
I have just retired (58 yrs) and do not have any investments in equity or mutual funds. Intend to start investments in mutual funds through Sip of 5000 pm for a period oF minimum 3 / 5 years. My appetite is of medium risk. Kindly suggest a suitable scheme.
Thanks
Hi,
I want to start investing Rs. 30000 in SIP’s. Have identified the following funds, 5k each:
HDFC Balanced Fund
Franklin India Smaller Companies Fund
ICICI Pru Value Discovery Fund
DSP BlackRock Micro Cap Fund
Birla Sunlife Frontline Equity
Franklin India Prima plus
Is the portfolio well diversified to cover all risks, I am looking at 15-18 year horizon
to build a corpus for retirmement, child education and marriage. Also, is it better to commit
to a longer tenure of SIP (say 5/10 yrs) or do a yearly review and renewal. Are they any additional charges for renewal?
Please advise. Thanks in advance!
BeAutifully articulated. Good read. Implementable easily.
Hi Suresh,
I want to put in rs. 10000 every month for retirement planning in 25 years. (I am 30 now). This is what I have allocated my funds to:
1. Lump sum amount of rs. 200000 (where should I put this? which fund?)
2. 26% in mid cap fund rs. 2600 p.m. DSP BR micro cap fund
3. 74% in balance fund rs. 7400 p.m. HDFC balanced fund (or should this be large cap? if yes, which one?)
Rgds
Sonal
Hi Suresh
Very informative articles on your site.
Me and my husband both want to invest rs. 10000 p.m. rspectivly, one portfolio for child eduction, period 15 years and one pfolio for retirement, period 15 to 20 years. He has lic based ulip for tax savings and i am invested in birla sun 96 tax relief and ppf for tax savings.Other than that no investments. We also plan to buy a term plan with 1 cr cover.
Can you suggest how to invest this 10k per month for each goal?
Rgds
Sonal
Go to hear about you sonal. You can select 5 funds from these top funds I indicated Rs 2,000 each. These can help you to accumulative funds required for education and retirement
i have started SIP of Rs. 3000/- in following funds from June 2015.
Axis Equity Fund – Gr
DSP BlackRock Micro Cap Fund – Gr
L&T India Prudence Fund – Gr
L&T India Value Fund – Gr
Motilal Oswal MOSt Focused Multicap 35 Fund – Gr
SBI Magnum Balance Fund – Gr
Tata Balanced Fund – Regular Plan – Gr
Kindly confirm if I need any changes in my portfolio?
Hi Mehta, Good funds. However you are investing more in balanced funds category. If you are low to moderate risk investor, you can invest, otherwise, add more in large cap funds.
I notice you’ve taken ELSS out of the list this time compared to the article you wrote last time on the same topic. Any particular reason?
Hi Sree, These are regular funds. Every one may not have need to invest in tax saving mutual funds, hence I have excluded them.
Very very helpful
Nilu, Happy to hear that it helped you. Pls share it with your friends or relatives on your FB
Hi Suresh,
Thank you for writing this wonderful article.
I am currently 28, Single, no loans / dependents. My investment details are as below:
Franklin India Prima Plus Fund – Rs. 2000
Franklin India Smaller Cos Fund – Rs. 2000
HDFC Balanced Fund – Rs. 2000
HDFC Mid-Cap Opportunities Fund – Rs. 3000
HDFC Mid-Cap Opportunities Fund – Rs. 7000
ICICI Pru Focused Bluechip Fund – Rs. 2000
ICICI Pru Top 100 Fund – Rs. 3000
ICICI Pru Value Discovery Fund – Rs. 2000
Reliance Smallcap Fund – Rs. 2000
SBI Blue Chip Fund – Rs. 2000
Total Investments – Rs 27000 p.m.
What do you think of these funds? Do I need to make any changes?
Thanks,
Joseph
Clarification: I started another SIP in HDFC Mid-Cap Opportunities Fund for Rs. 7000 from Nov 2016; total investment of Rs. 10000. That is why two entries for it.
Good funds. Stay invested.
Hi. Am investing Rs.2000 per month in Reliance Equity Opportunities Fund (G) for last 5 years ( continue to invest for 20 years). Performing good as of now. when I started this fund crisil rating was 5 star I guess. But now only 2 star. So, like to redeem ( as switch not possible with different fund house ) & new funding of Rs.1000 each to birla SL Frontline Equity and Franklin India smaller cos. Pls let me know about this decision. If am wrong pls do correct me.
Hi Venkat, This is under performer in last 1 year, however you can hold for some more time before switch. If you wish to proceed, go ahead and invest in the 2 funds indicated by you.
Thx.. started SIP in Franklin india smaller cos growth fund. And wishing to continue Reliance Equity Opportunities Fund for some more time as you said. Thx a lot.
Hi Suresh,
I am 34 year old and started investing in SIP from April this year. Below are my current investment is SIP
HDFC Balanced Fund(G) 2000 per month
Mirae Asset Emerging BlueChip-Reg(G) 3000 per month
Both investment I am planning to invest for 10 years.
Can suggest whether I can increase my investment in current funds or go for new funds?
Regards,
David.
Hi David, You are investing in balanced fund. If you are low to moderate risk taker, you can invest. However, based on your age, i would advice you to invest more in large cap fund and mid-cap funds. If you say you cannot take high risk, atleast invest in large cap funds. Also invest in 5-7 funds by increasing investments every year. This way you can ensure you create good wealth in long term with mutual funds.
Hi Suresh,
Thanks for your response. Please suggest few funds in large cap and mid-cap to invest. Also suggest whether I can continue with my existing funds or switch to different funds?
Hi Suresh,
Pls suggest some funds in large and mid-cap to invest.
Regards,
David.
hi sir i have invested in UTI Equity fund 1000 p/m can u suggest me to hold on this or switch to another funds.
Good fund, stay invested.
Hi Mr. Suresh,
Franklin flexi cap (d)
Reliance RS Equity (d)
UTI MNC (G)
HDFC TOP 200 RP (D)
UTI OPPOTURNITIES (G)
DSP BR MICRO CAP (D)
HDFC MID CAP OPP (D)
IDFC PREMIER EQUITY (G)
RELAINCE MID AND SMALL (G)
Except HDFC Top 200 & Relaince Mid & Small, SIP in progress for other MF’s. Kindly suggest shall I continue or any changes to be made.
Good funds. HDFC Top 200, you can hold or exit. Don’t make fresh investments.
Hi Suresh Sir,
I am 37 years old and mother of 2 daughters (7 years and 4 years). Would like to invest in Mutual funds for their higher education and marriage. Based on your article i have chosen below mentioned mutual funds to be invested via SIP. Planning to start investing from tomorrow. Please let me know if my decision is correct and also let me know approximately how much i would earn in 10 years.
MF Name Amount to be invested per month Day in a Month
DSP BR Micro Cap Fund – 15 – 20 Years 2000 1st
Mirae emerging Bluechip fund – 10 years 2000 1st
Frankline (I) Smaller Cos – 15 – 20 years 2000 7th
Principal Emerging Bluechip 2000 7th
Birla SL Frontline Equity 1000 14th
Kotak Select Focus Fund 1000 14th
HDFC Balanced Fund 1000 21st
Hi Sudha, good funds, proceed and start investing. All the best.
Thank you sir.
Hi Suresh Sir,
Thank you for your reply. Please let me know approximately how much i would earn in 10 Years with the below investments.
MF Name Amount/Month Day in a Month
DSP BR Micro Cap Fund 2000 1st
Mirae emerging Bluechip fund 2000 1st
Frankline (I) Smaller Cos 2000 7th
Principal Emerging Bluechip 2000 7th
Birla SL Frontline Equity 2000 14th
Kotak Select Focus Fund 2000 14th
HDFC Balanced Fund 2000 21st
Regards
Sudha.
Hi Sudha, If you invest Rs 2,000 each in these best performing mutual funds, each scheme can give you approx Rs 4.6 Lakhs to Rs 5.5 Lakhs. In total for you may expect Rs 32.5 to Rs 39.5 Lakhs at the end of 10 years with these 2 mutual fund schemes.
Hi Suresh …I want to build a corpus of 5 cr in 12 years time frame. What will be your advice for investment via SIP and other vehicles? …PKTPrasanta Kumar
Hi Praashant, It depends on your risk appetite. If you are high risk taker, invest in blue chip stocks. If you do not have time to monitor stocks, best way is to invest in mutual funds. Select large cap funds and mid-cap funds if you would like to invest for 12 years.
Hi Suresh,
I posted my comment on 17th and hope you might have replied but could not see the both.
Kindly let me know if there is any problem.
i just responded. There is delay in responding as there are large no. of comments these days 🙂
Dear Sir
I am investing through NJ group in SIP.Pls suggest me should I carry with NJ group.
Hello Suresh,
Thanks for doing wonderful work. Can you guide me on my MF investments. Here are the SIP I am enrolled in..
Axis Long term Quity Fund – 1000PM
BSL MNC Fund – 1000PM
DSPBR Micro Cap Fund – 1000PM
Franklin India High Growth Companies – 1000PM
HDPF Top 200 – 2000PM
SBI Blue Chip -1000PM
SBI FMCG – 1000PM
HDFC Balanced – 1000PM
TATA Balanced – 500PM
I recently exited from SBI Pharma fund as the investment didnt appreciate for more than a year. Please suggest if any of the investment needs to be changed keeping in view long term wealth generation.
In Pharma, you would have tried Reliance Pharma. In your existing portfolio, all funds are good except for HDFC Top 200. You can exit it and invest in better funds.
Dear sir,
I want to invest 2000/month. ( 500 rupees for pension fund and 1000 for another fund ,500 for another fund ) pls suggest me high returns fund for long terms.
Regards
senthil vel.
Hi Senthil, Many gets confused with pension fund and mutual funds. If you invest in mutual funds for long term of say 10-20 years, it creates good wealth and you can invest in bank FD and get regular income which would be higher than getting any amount from pension funds. My suggestion is you should invest in 2-3 mutual funds like ICICI Pru focussed blue chip fund or Birla SL Frontline equity fund. These can fetch you good returns in long term.
Hi Sir,
I want to invest in SIPs.Please guide me regarding it.How should I start???
Hi Ankur, first open MF account with any the MF brokers like ICICIdirect or fundsindia. Then you can message me, I can guide on which mutual funds to invest
Hi Suresh,
i have 50000rs. and I want to invest this money in shares or mutual fund. Am a new investor, pls suggest me if i can invest in HDFC balance fund through SIP 2000 per month. I want to purchase my new house and want to use this money for downpayment.please reply……
Hi Surekha, I would not advice you to invest lumpsum in equity or hybrid mutual funds when markets are at peak. Invest in debt funds. Regd SIP you want to invest to pay down payment, hence go for debt funds only. For equity funds, you should be willing to invest for 8-10 years. You can invest in ICICI pru income opps fund or HDFC Income opps fund in debt funds segment.
Thank you so much.Very useful.
Thank you Thanigaivel. Pls share this article with your funds as your funds might also be looking for Top 10 SIP Funds 2017.
Hi Suresh,
It's very glad to see you have published 2017 funds well in advance before any other blogs.
I am investing in following MF from last 4 years.Some of my funds are not from your list butkindly go through it and suggest any shifting is required.
ICICI Foccussed blue chip Rs 2200
HDFC TOP 200- Rs 2000( Stopped sip since last year)
HDFC Mid cap oportunity Rs 2000
SBI Magnum mid cap Rs 2000
Axis long term Rs 2500 (from 1 year)
DSP Black rock micro cap Rs 3000 (started from this month).
Just I want to know my fund selection required any changes. If yes, kindly suggest.
And also Shall I keep HDFC TOP 200 fund in same or I should switch to any other fund.
Thanks.
SUNIL
Hi Sunil, You are investing in good funds except for HDFC Top 200. You should exit such non performing funds now.
Hi Suresh,
First of all, I would like to appreciate for your valuable information on MFs.
As of now, I am investing in FDs but would like to diversify the upcoming savings to MFs with monthly SIP of Rs.1.5 lakhs for 5 years.
Besides I am planning to buy a flat to be delivered in 2019, kindly suggest Debt MFs alternate to FDs that fetches good returns as to pay to the builder Rs.1.20 crores as per the progess in 5 years.
Kindly suggest the best and ideal portfolio of MFs that fetches me the maximum returns.
Thanks in Advance
Prakash
Good to know about you Prakash. You can invest in top debt funds like ICICI Pru income opps fund, HDFC Midterm income opps fund and L&T Gilt fund.
hi sir. i m planning to invest 70k in mf for tax savings this yr. plz suggest me . my last yr mf are axis long term equity fund growth plan- 25k, religare tax plan growth plan 25k, bsl tax relief 96 growth plan-20k. thanks in advance
Hi Pavan, You can continue to invest in the 3 funds indicated by you even this year. These are best ELSS funds for 2017/2018 too.
Dear Sir,
I have invested in BOI 1000@ 123 & Infosysis 50@ 1187, Can I hold these stock for long time please advice.
Hi Badarinath, All banking stocks are taking beating due to higher provisions as per RBI mandate. You can hold BOI, however don’t expect high returns. Infosys is good stock, you can hold
Dear Shri Suresh KP
My 2 son-in-laws has started investing in DSPBR Micro Cap Fund under Direct Plan with Growth option a sum of Rs.2000/= per month under SIP with top-up of Rs.500/= every year from this month. Please reply me how much amount the will get at the end of 10 years..
Regards
A VISWANATHAN
Great to hear that Viswanath. Mutual funds offer high returns, however they are not guaranted. Considering current trend, one can expect between 12% to 15% annualised returns. If your son in laws are investing Rs 2,000 per month and Rs 500 increase every year, the total invested value would be Rs 7.3 Lakhs and investment value @ 12% returns would grow to Rs 12 Lakhs and @ 15% it would grow to Rs 13.75 Lakhs.
Dear Sir,
Very useful and informative. I have already started investing in Franklin India Smaller Companies Fund, DSPBR MicroCap, Mirae Emergng.Blue Chip and Kotak Select Focus under SIP and lumpsum purchase.
I am thankful to you for your special efforts for the sake of others. May God bless you.
I also thank Mr.S.Rajaraman who has forwarded this to me.
WoW great Viswanathan. Thank you for your comments. Pls forward these article links to your friends on Facebook so that your friends also would get benefitted.
Hello Suresh,
i want to invest Rs. 4000 Per month in mutual fund for 12 to 15 years. May you suggest me the best scheme, so that i can get the maximum return.
waiting for your prompt & positive reply.
Hi Mohit, Invest in large cap funds indicated in this article. These are good for long term of 10-20 years. You can add 20% of your SIP funds in balanced funds category too.
Hi Suresh,
May you suggest me the scheme(company names) of large cap funds in which i should inevest .
your suggestion would be highly appreciate and make me doubtfree.
Invest in top large cap funds like ICICI focussed blue chip fund and Birla SL Frontline equity fund. In hybrid segment, invest in best balanced funds like ICICI Balanced fund and HDFC balanced fund
I started investing in MF from this year. Following is my portfolio. Please suggest if this looks ok or do I need to make any change –
Equity:
Birla SL frontline equity
Axis long term equity – ELSS
ICICI Pru Value Discovery
Balanced:
Birla SL MIP II – Wealth 25 Plan
Debt:
Birla SL Treasury Optimizer
Good funds Gupta. Keep investing. You should add more large cap funds so that you can create wealth in long run. In future if you are adding funds, invest in large cap funds indicated here.
Hi Suresh,
Your articles are welcome and most informative. Because of your information ONLY, I am investing in a properway i.e. ICICI Pro Focused Bluchip, Birla Sun Life Blue Chip, HDFC Midcap,Franklin Smalles Cos,Mirare Emerging Blue Chip Funds from last 2 years. Thanks for that.
My question is, How to earn 1cr with 5lacks cash in 5 years.
Please suggest.
Thanks,
Ramakrishna.
Hi Ramakrishna. Thanks for your valuable comments. Rs 5 Lakhs to 1 Crore in 5 years is difficult task, however possible if you can focus on your goal. Few options are 1) Invest in all IPO’s I keep recommending 2) Invest in mid-cap stocks during correction 3) Invest in midcap mutual funds during corrections. These would definitely fetch you good returns in 5 years. If you do not want to loose your goal, keep investing your savings through SIP in these top SIP mutual funds.
Namste sir,
I am totally new in share market, dont know lot about market. Want to invest 50 thousands in market. Sir, please tell me, how, where and for how long i invest?
Chandan, Thanks for you greetings in Indian tradition “Namaste”. First please open any mutual fund account with ICICI direct or fundsindia. Then start investing in mutual funds to start with. You can invest your 50K in debt mutual funds first. Every month, invest your monthly savings in mutual funds through SIP
Thanx sir.u r doing good job.God bless you.
Hi Suresh Sir,
Thank you for the article last year I read your articale and based on that I have invested below funds :
HDFC Balanced fund : Amount invested 3K/Month – 10years
HDFC MIdcap Opportunites Amount invested 2K/Month – 10years
ICICI Pru Value Discovery Fund Amount invested 2K/Month – 10years
SBI Blue Chip Fund : Amount invested 5K/Month – 15years
Kindly let me know is there any other funds you would like to suggest to open or what I have selected is good.
Thanks in advance.
Regards,
Ajay
Hi Ajay, You are investing in good funds. Stay invested.
Hi Suresh Sir,
Thank you for the replying and for good advice 🙂
Regards,
Ajay
you can invest in mirae asset emerging bluechip fund
Thx u for sharing ,it will really help me in my next investment..I wanna ask 1 question , I invested in SBI mutual fund but I am now in loss now ,should I continue or drop.
Plz reply thank u Sneha
Hi Sneha, You have indicated just SBI MF. Pls indicate the scheme name.
Sir,
Scheme is SBI magnum global fund- Reg G.
good fund Sneha, stay invested
Dear Sir,
I am a senior citizen. I want to invest Rs 2.5 lakhs and get monthly returns.Which are the monthly return Mutual found you suggest.?
Thanks,
L.K.Murthy
Hi Krishamurthy garu, I am analysing Monthly income plan mutual funds and would post article next week, pls wait till such time
Thanks Suresh for the great list.There are some sector specific funds rights like pharma fund or banking fund. Is it wise to invest in those funds for long term?
Hi Sree. Thank you. Yes, sector funds gives high returns. Check this article where I recommended top 5 sector funds to invest. You should note that though these are best performing mutual funds, these are high risk. https://myinvestmentideas.com/2016/04/top-5-sector-mutual-funds-to-invest/
hi suresh,
I hold some of the mfs below which are in profits now but their rating were downgraded and performance not up to the mark. Can you advise whether to continue with sip / stop the sip and book profits:
HDFC top 200 fund — direct – G
idfc premier equity –regular –Growth
UTI opportunities fund –regular –G
icici pru dynamic fund — direct — G
bsl infrastructure fund — regular –G
canara robeco equity diversified — regular -G
also adding to above list :
reliance equity opportunities — direct –G
Hi Rajiv, Here are my comments on your portfolio. HDFC Top200 fund is under performer, switch to another large cap fund indicated in this article. Other funds are good. Stay invested. All the best.
Hi suresh,
My current portfolio includes
1. Sbi blue chip fund- 500rs
2. Uti equity fund- 500 rs
3. Franklin india smaller companies fund-1000rs
4. Mirea assest emerging fund- 1000rs
5. Reliance pharma fund-500r
6. Sbi pharma fund- 1000rs
7. Uti transportation & logistics fund-1500rs
Sir hwzz my portfolio? M a high risk investor as my age is just 20 nd tim period is long more den 20 yrs….iI wannt to invest 2-3k more so should in continue in existing funds or add a new one…iif in existing den which one?
Hi Dikshant, Nice portfolio. Stay invested in these good funds. You can add large cap funds indicated in this article.
Thanks for your guidance KP Suresh
Should I invest in Franklin India smaller companies fund Sir?
At present I am investing in
SBI magnum global fund 2000
SBI magnum midcap fund 2000
SBI blue chip fund 1000
Franklin High Growth Company 1000
L&T business cycles 1000
Please suggest.
Thanks.
Franklin India smaller cos fund is one of the best small cap fund. You can invest. Others funds are good. If you are plannnig to add new funds, invest in the funds I recommended in this article.
Hello Sir,
From last year best 10 fund..i was investing in franklin small, UTI and HDFC mid cap. Now based on return from small and mid cap catgory, DSP black microcap and Mirae asset emerging are giving more return.can i switch HDFC and UTI mid cap to DSP and Mirae.
Please suggest
Regards
Rohit
Rohit, You need not switch. The returns are varying to some extent, but you need not worrry, continue to invest in the funds what you are investing.
Thank you so much for the excellent set of information and advise. I hope that we all shall make decent amount of money investing in these funds. Thank you once again.
Thank you Kaushal
Hi Suresh
Your blog is very helping and informative.
Can you tell us how much % of our monthly savings should go into Equity related MFs
There is no hard and soft rule here. You can keep some emergency money and invest balance savings in mutual funds. However invest in diversified portfolio like i indicated and don’t go over board on particular market cap or sector.
Thanks Suresh
I am investing 25% of my savings in equity mgs with 8-9 funds in my portfolio.
Hi Suresh
Your blog is very helping and i have been following it from past 2 years.
Can you tell me how much % of our monthly should go in these equity mutual funds each month. I have read somewhere that we should invest 25% of monthly savings in equity related mutual funds. What do you suggest?
If you can suggest a breakup (precentage wise) about how to make a portfolio with mf , gold, fd etc. That will be very helpful
i just responded on other comment
What about elss fund…..pl advise
Hi Soni ji, pls wait till next week
Go for axis long term equity fund. It is best elss fund d provided superb return
Should I continue to invest in HDFC Top 200 fund or shift to some other fund? I also have invested in L & T India Value fund apart from HDFC Balanced and Franklin India Smaller Companies fund. I also have equity SIPs for TCS and IHCL technologies. Do I need to make any changes?
Exit HDFC Top 200 fund and invest in other large cap fund indicated here. Other funds indicated by you are good
Hi Suresh,
Good Analysis and a great blog for investors like me to understand the nuances of mutual fund investments.
Below is my portfolio , would like to know your view point.
**All are Direct-growth funds**
1) SBI Blue chip fund- Large Cap – SIP of Rs 1000 monthly
2) Mirae Asset Emerging Blue Chip fund- Mid Cap – SIP of 1000 monthly
3) DSP BR Micro Cap Fund- Small cap- SIP of Rs 1500 monthly
4) Axis long term equity – ELSS- Rs 30000 lumpsum
5) Birla Sun life tax plan – ELSS- Rs 24000 lumpsum
6) Have 1 FD as well.
Aiming to achieve/expectations – Returns of about 15-20 % over a time horizon of 3-5 yrs
Let me know your thoughts and advice me if there needs to be any changes done
Good funds stay invested.
Hi Suresh,
I have SIP in 2016 in following Mutual Funds:
1. HDFC Balanced Fund -Direct (G)
2. ICICI PRU VALUE DISCOVERY FUND -Direct (G)
3. ICICI PRU TOP 100 -Direct (G)
4. Mirae Asset Emerging Bluechip Fund -Direct (G)
5. UTI EQUITY FUND -Direct (G)
What is your take on these funds?
Shall I continue with them or change any of them?
I want to invest 20K more as SIP for 10 years. Can you suggest how can I invest it? Shall I invest in one MF or divide in more than 1? Please suggest a good MF.
bhushan, good funds, stay invested. Consider adding more large cap funds of what I indicated.
Thanks Suresh for your valuable reply.
Can you advise me how can I destribute 20K Rupees. Shall I invest it in one single fund or more than one?
Shall I invest 15 K in Birla Sunlife and 5k in may be UTI Mid Cap or ICICI Pru Focussed Bluechip Fund?
Please advice.
Also, I am hearing about NFO’s. Can you please explain the pros and cons of NFO’s?
Invest in 4-5 funds Bhushan. You can invest in large cap funds and balanced funds to start. Later you can add midcap funds too. Regd NFO, if you can post this topic on “Suggest a topic”, it would be on my radar and I would be able to write article in next week. Thanks
Dear Suresh
Thanks for your articles about investments,
I followed your tips,Thanks for helping others.
Great Kalingarajan. Pls share these articles on your FB which might be useful for your friends
what should be the action for the MF invested in 2016 and not in a list of 2017. Hold/Redeem?
Regards,
Vilas Nagare
Vilas, All funds indicated in last 3 years are doing good. However, if you want to add new funds, you can consider from this list.