Top 10 Best SIP Mutual Funds to invest in India in 2019

Top 10 Best SIP Mutual Funds to invest in India in 2019Top 10 Best SIP Mutual Funds to invest in India in 2019


We would be in the new year in another one month. Stock Markets continue to be volatile. In this scenario you might be thinking Which is the Best Mutual Fund to invest in India now in 2019.  Mutual Funds are one of the best ways to save money through SIP every month. Like every year, we have filtered Top 10 Best Mutual Funds to invest in India through Systematic Investment Plan (SIP). Whatever the goal could be, an investor can invest in these diversified portfolio of Top 10 Mutual Funds in 2019.

Also read: Best Tax Saving Mutual Funds to invest in India in 2019

How we filtered Top 10 Best SIP Mutual Funds to invest in India in 2019?


We have filtered these Top 10 Mutual funds for 2019 based on some of these key parameters.

1) Mutual Fund schemes that have performed well in 3 years, 5 years and 10 years time frame.

2) Mutual Fund Schemes that have overcome losses in the last 1 year due to stock market volatility.

3) Funds that have good rating by Value Research Online

4) Funds that have good rating by Crisil.

5) Mutual Funds that have AUM of over ₹ 100 Crores which gives confidence to investors.

Some of these mutual funds have not performed well in the last 1 year due to stock market volatility. You need to keep this aside as your goal is to invest for long term of 8-10 years and over.

Top 10 Best SIP Mutual Funds to invest in India in 2019


Now let us jump into these Best Mutual Funds to invest in India.

Top#1 – ICICI Pru Blue Chip Fund


What is its investment Strategy?

The MF aims to generate long term capital appreciation and income distribution to investors from a portfolio that is predominantly invested in equity and equity related securities of large cap companies.

How this Fund Performing now?

This mutual fund scheme gave 15% annualized returns in the last 5 years and 20% annualized returns in the last 10 years. If you would have invested ₹ 5,000 per month through SIP for 5 years, the invested value would have been ₹ 3 Lakhs (₹ 5,000 x 60 months) and the value of the fund would have grown to ₹ 4 Lakhs.  Even if you would have invested ₹ 1 Lakh lumpsum amount 5 years back, it would have grown to ₹ 2.1 Lakhs.

Why to invest?

This is one of the consistent performing mutual fund schemes. Its long term performance in 10 years is amazing. With VRO rating as 4 Star and Crisil as Rank-2, this is one of the best performing mutual funds in India that can be invested through SIP for 10-20 year period.

Top#2 – Aditya Birla SL Frontline Equity Fund


What is its investment Strategy?

The mutual fund aims for long term growth, through a portfolio with a target allocation of 100% equity by aiming at being as diversified across various industries and/ or sectors as its chosen benchmark index, Nifty 50. The secondary objective

How this Fund Performing now?

This mutual fund scheme gave 15% annualized returns in the last 5 years and 19% annualized returns in the last 10 years. If you would have invested ₹ 5,000 per month through SIP for 5 years, the invested value would have been ₹ 3 Lakhs (₹ 5,000 x 60 months) and the value of the fund would have grown to ₹ 3.8 Lakhs.  Even if you would have invested ₹ 1 Lakh lump sum amount 5 years back, it would have grown to ₹ 2.1 Lakhs.

Why to invest?

Even this fund is a consistent performer in large cap mutual funds segment. Its long term performance in 10 years is also good. With VRO rating as 4 Star and Crisil as Rank-3, this is one of the best mutual funds in India to invest through SIP for the long term.

Top#3 – HDFC Top 100 Fund


What is its investment Strategy?

The scheme seeks to provide long-term capital appreciation/income by investing predominantly in Large-Cap companies.

How this Fund Performing now?

This mutual fund scheme gave 15% annualized returns in the last 5 years and 19% annualized returns in the last 10 years. If you would have invested ₹ 5,000 per month through SIP for 5 years, the invested value would have been ₹ 3 Lakhs (₹ 5,000 x 60 months) and the value of the fund would have grown to ₹ 4 Lakhs.  Even if you would have invested ₹ 1 Lakh lump sum amount 5 years back, it would have grown to ₹ 2.05 Lakhs.

Why to invest?

Erstwhile this fund was called as HDFC Top 200. This fund has been consist performer in various stock market cycles. Its long term performance is at best. With VRO rating as 3 Star and Crisil as Rank-2, this is one of the good mutual funds to invest through Systematic Investment Plan (SIP) for 2019.

Top#4 – HDFC Mid-cap Opportunities Fund


What is its investment Strategy?

The MF scheme objective is to provide long-term capital appreciation/income by investing predominantly in Mid-Cap companies.

How this Fund Performing now?

This mutual fund scheme gave 22% annualized returns in the last 5 years and 24% annualized returns in the last 10 years. If you would have invested ₹ 5,000 per month through SIP for 5 years, the invested value would have been ₹ 3 Lakhs (₹ 5,000 x 60 months) and the value of the fund would have grown to ₹ 4.05 Lakhs.  Even if you would have invested ₹ 1 Lakh lump sum amount 5 years back, it would have grown to ₹ 2.75 Lakhs.

Why to invest?

This fund has beaten all its peers and gave 24% annualized returns in the long run of 10 years across various market cycles. With VRO rating as 5 Star and Crisil as Rank-3, this is one of the top mid-cap mutual funds invest in India in 2019.

Top#5 – Reliance Small cap Fund


What is its investment Strategy?

The mutual fund aims to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies.

How this Fund Performing now?

This mutual fund scheme gave 14% annualized returns in the last 3 years and 30% annualized returns in the last 5 years. If you would have invested ₹ 5,000 per month through SIP for 5 years, the invested value would have been ₹ 3 Lakhs (₹ 5,000 x 60 months) and the value of the fund would have grown to ₹ 4.65 Lakhs.  Even if you would have invested ₹ 1 Lakh lump sum amount 5 years back, it would have grown to ₹ 3.75 Lakhs.

Why to invest?

This mutual fund has 8 years of history. However, this fund has beaten all their peer mutual fund records and gave 30% annualized returns in the last 5 years even in difficult times.  With amazing annualised returns of 18% since inception, VRO rating of 5 Star, Crisil rating of Rank-3, this is one of the best mid-cap mutual funds to invest through SIP in India.

Top#6 – Mirae Asset Emerging Bluechip Fund


What is its investment Strategy?

This fund aims to generate income and capital appreciation from a diversified portfolio predominantly investing in Indian equities and equity related securities of large cap and midcap companies at the time of investment.

How this Fund Performing now?

This mutual fund scheme gave 17% annualized returns in the last 3 years and 28% annualized returns in the last 5 years. If you would have invested ₹ 5,000 per month through SIP for 5 years, the invested value would have been ₹ 3 Lakhs (₹ 5,000 x 60 months) and the value of the fund would have grown to ₹ 4.8 Lakhs.  Even if you would have invested ₹ 1 Lakh lump sum amount 5 years back, it would have grown to ₹ 3.5 Lakhs by now.

Why to invest?

Even this fund was launched 8 years ago. This fund has beaten its peer mutual funds and gave 28% annualized returns in the last 5 years. With 21% annualised returns since inception of the fund and with VRO 5 Star and Crisil Rank-2, this is one of the top largecap-midcap mutual funds to invest in India for medium to long term of 8 to 10 years.

Top#7 – Franklin India Focused Equity Fund


What is its investment Strategy?

The fund seeks to achieve capital appreciation by investing in Indian companies/sectors with high growth rates or potential.

How this Fund Performing now?

This mutual fund scheme gave 20% annualized returns in the last 5 years and 22% annualized returns in the last 10 years. If you would have invested ₹ 5,000 per month through SIP for 5 years, the invested value would have been ₹ 3 Lakhs (₹ 5,000 x 60 months) and the value of the fund would have grown to ₹ 4 Lakhs.  Even if you would have invested ₹ 1 Lakh lump sum amount 5 years back, it would have grown to ₹ 2.5 Lakhs by now.

Why to invest?

This fund earlier was called as Franklin India High Growth Companies. It  is one of the consistent performing mutual fund that gave 22% annualized returns in the last 10 years. This proves the high level of confidence to investors that such funds can perform well in future too. With VRO rating as 3 Star and Crisil rating as Rank-4, this is one of the best diversified mutual funds to invest in India to invest for 8-10 year period.

Top#8 – Kotak Standard Multicap Fund


What is its investment Strategy?

This fund seeks to generate long term capital appreciation from a portfolio of equity and equity related securities, generally focused on a few selected sectors.

How this Fund Performing now?

This mutual fund scheme gave 13% annualized returns in the last 3 years and 19% annualized returns in the last 5 years. If you would have invested ₹ 5,000 per month through SIP for 5 years, the invested value would have been ₹ 3 Lakhs (₹ 5,000 x 60 months) and the value of the fund would have grown to ₹ 4.15 Lakhs.  Even if you would have invested ₹ 1 Lakh lump sum amount 5 years back, it would have grown to ₹ 2.4 Lakhs by now.

Why to invest?

This fund earlier was called as Kotak Select Focus Fund. It is 9 years old fund. It has shown good performance in the last 6-9 years and gave 14% annualized returns since inception. With VRO rating as 4 Star and Crisil rating as Rank-2, this is one of the top Multicap funds to invest for medium to long term period in 2019.

Top#9 – HDFC Hybrid Equity Fund


What is its investment Strategy?

The Scheme seeks to generate capital appreciation / income from a portfolio, predominantly of equity & equity related instruments.

How this Fund Performing now?

This mutual fund scheme gave 17% annualized returns in the last 5 years and 20% annualized returns in the last 10 years. If you would have invested ₹ 5,000 per month through SIP for 5 years, the invested value would have been ₹ 3 Lakhs (₹ 5,000 x 60 months) and the value of the fund would have grown to ₹ 3.5 Lakhs.  Even if you would have invested ₹ 1 Lakh lump sum amount 5 years back, it would have grown to ₹ 2.2 Lakhs by now.

Why to invest?

This fund was formed by merging 2 funds, i.e. HDFC Balanced Fund + HDFC Premier Multicap fund. Both these funds have been performing well in the last 8-10 years. VRO rated this as 4 Star fund. This is one of the good balanced mutual funds to invest in India in 2019.

Top#10 – ICICI Prudential Equity & Debt Fund


What is its investment Strategy?

The fund aims to generate long-term capital appreciation and current income by investing in a portfolio that is investing in equities and related securities as well as fixed income and money market securities. The approximate allocation to equity would be in the range of 60% to 80% with a minimum of 51%, and the approximate debt allocation is 40% to 49%, with a minimum of 20%.

How this Fund Performing now?

This mutual fund scheme gave 17% annualized returns in the last 5 years and 18% annualized returns in the last 10 years. If you would have invested ₹ 5,000 per month through SIP for 5 years, the invested value would have been ₹ 3 Lakhs (₹ 5,000 x 60 months) and the value of the fund would have grown to ₹ 4 Lakhs.  Even if you would have invested ₹ 1 Lakh lump sum amount 5 years back, it would have grown to ₹ 2.15 Lakhs by now.

Why to invest?

This fund has been performing well in the last 15-20 years. Since inception (20 years), it gave 14% annualized returns. VRO rated this as 4 Star and Crisil as Rank-2.  This is a unique balanced mutual fund to invest in India through SIP that has 20 year performance history.

Here is the summary of top 10 mutual funds for 2019


CategoryMutual Fund SchemeValue Research Rating
(Out of 5)
3mth1yr3yr5yr10 Yr
Large capICICI Pru Bluechip Fund4 Star-5.9%3.5%8.1%8.9%12.2%
Aditya Birla SL Frontline Equity Fund3 Star-6.8%2.9%5.1%8.1%11.1%
HDFC Top 100 Fund3 Star-10.7%3.4%7.5%7.6%10.5%
Mid-cap
Small-cap
HDFC Mid-cap Opportunities Fund4 Star-7.7%-0.9%2.4%9.4%16.3%
Nippon Small cap Fund5 Star-8.2%-5.7%5.8%10.7%-
Mirae Asset Emerging Bluechip Fund5 Star-5.3%10.9%10.1%15.7%-
MulticapFranklin India Focused Equity Fund4 Star-10.8%5.3%5.9%9.2%13.6%
Kotak Standard Multicap Fund5 Star-5.8%8.9%8.6%11.8%12.9%
HybridHDFC Hybrid Equity Fund4 Star-5.4%6.3%6.5%9.3%13.7%
ICICI Prudential Equity & Debt Fund4 Star-7.0%1.2%6.3%9.0%12.9%

Data source: Value Research Online as on 6th October, 2019

Who can invest in these Top 10 Mutual Funds?


These 10 mutual funds portfolios consist of 3 Large cap funds, 3 Midcap/small cap funds, 2 multi-cap funds and 2 balanced funds. Hence this portfolio is suitable for most of the investors who want to create wealth for child education, for accumulation of wealth, retirement plans, etc.,

1) One should note that while all mutual fund schemes carry risk, Midcap/small cap funds are high risk.

2) If you are a high risk investor, you can invest more %age of your portfolio in midcap/smallcap funds.

3) If you are a moderate risk taker, you can just go with this ideal portfolio.

4) If you are conservative investor, you can add more in large cap and balanced mutual funds segment and avoid Midcap/small cap funds.

Readers, what is your view about the article on best mutual funds to invest in India in 2019.

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

Suresh

Top 10 Best SIP Mutual Funds to invest in India in 2019

Suresh KP

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97 comments

  1. Hello Mr. Suresh,
    Thank you for a great article. I am beginner and have never invested in mutual funds before. I want to start SIP of 10,000 per month for better gains along with safety in the future. Which mutual fund would you suggest for this purpose.

    Thanks in advance,
    Prashant Das

    1. Mutual funds contains risk, hence not 100% secured investment. You need to understand the risk before investing. If you can invest for 8-10 years, you can expect good annualised returns of 12% to 15%. Pickup balanced funds to start with from this list. You can keep adding more funds as you come to know about various categories of funds

  2. Hello Suresh Ji,

    I need to invest 50,000 in mutual fund for long term upto 5 year purpose I forgot that I had invest my money somewhere , hoping after 5 yrs gives good return. So pls, suggest some good return mutual fund , large cap, multi cap & mid fund or hybrid.

    1. You can invest in balanced funds if you are looking for only 5 years tenure. If you can invest for 8-10 years, you can invest in balanced funds, largecap and diversified funds from this article. If you can still take high risk, add midcap/small cap funds

  3. Hi Suresh,

    Good day, I want to invest 10 lakh for 10 years. Kindly suggest me investment where I can save my principal and return from tax.

  4. Hello Sir,

    I am new to Mutual fund investment and i had planned to invest in following funds based on suggestions from your article.

    Icici Prudential Blue chip Direct Growth – 4000 PM
    Mirae Asset Emerging bluechip fund -4000 PM
    parag parikh long term equity fund – 4000 PM
    hdfc hybrid equity fund -4000 PM
    HDFC midcap Opps fund – 2000 PM
    Reliance small cap -2000 PM

    Plz let me know if these are good funds and will these yield good returns after 8 – 10 years. Are my portfolio balanced with the above selected funds.

    Also i have plan to invest lupsum of 3 Lakhs in Mutual funds. Let me know the best way for it.

    Thanks!

  5. Hello Suresh ji,
    I want to invest in SIP 2000rs/month for 20yr could u please suggest me low Risk SIPs or give ur openion regarding investment.

  6. Hi Suresh,
    Needed your advise . My father had invested in no. of SIPs, ELSS funds through a broker (not online) . These funds are not at all performing well and my father also doesnot have any idea about the mutual funds. He also doesn’t have a demat acct where as i do have . I would want to make changes to the portfolio as running after the broker to make changes is very difficult.
    So wanted to understand if there is a way i can get these converted to demat form and transfer to my demat for better tracking and monitoring purpose.
    Also please advise what are the best alternatives available for the transfer to happen if the above is not possible

  7. I have invested through SIP in Franklin India smaller companies fund growth for Rs 5000 per month from last 2 years . It is not performing well lately and my present estimated returns are in negative.Should I discontinue this SIP or switch over to some other fund

    1. Sunil, You might be aware about small cap and midcap downtrend, hence you are seeing this negative returns in such funds. You should continue in such funds if you are high risk taker. Also you should continue in such funds if you don’t need funds in near future.

      1. Well I would need the fund in another 3-4 years. Will I get some descent return or should I switch to some other scheme which will give me better return.

        1. Sunil, Mutual funds are long term game and you should be ready to invest for 8-10 years. If you are looking for 3-4 years investment better to stay away from mutual funds

      1. Thank you sir
        Between icici blue chip
        And Axis blue chip
        Which one could be better ?
        If i just compare the rank then Axis is with rank 1.
        As a investor difficult to choose the right one in this kind of situation.

        Hence seeking your expert advise.
        Looking for the rational thinking here.

  8. Hi Suresh ,

    Hope you are doing good! i am invested in SIPS for the last 4+ years in the below funds.
    Please let me know if i need to discontinue any of the below funds or continue as is.

    Mirae Asset Emerging Bluechip Fund – Regular Plan Growth
    Franklin India BLUECHIP FUND GROWTH
    HDFC TOP 100 FUND – REGULAR PLAN – GROWTH
    ICICI PRUDENTIAL BLUECHIP FUND – GROWTH
    SBI BLUE CHIP FUND – REGULAR PLAN – GROWTH
    RELIANCE PHARMA FUND – GROWTH PLAN – GROWTH OPTION
    SBI HEALTHCARE OPPORTUNITIES FUND REGULAR GROWTH
    UTI-TRANSPORTATION AND LOGISTIC SECTOR – GROWTH PLAN
    ICICI PRUDENTIAL VALUE DISCOVERY FUND – GROWTH
    UTI OPPORTUNITIES FUND GROWTH

    regards
    Santosh

    1. Hi Santhosh, Your mutual funds portfolio is good. However it has 3 sector funds that are high risk. If you are high risk taker you can continue to invest in such funds, else you can exit.

  9. Hi, I have the following SIPs and request you to suggest me if these are the right funds which i should continue or exit from some of them and also i would request you to suggest me 3/4 more good SIP mutual funds which i am interested to invest in.

    1. ICICI prudential equity & debt fund growth- 5000/month
    2.ICICI prudential Export and service- 5000/month
    3. ICICI prudential Large and mid cap fund- 5000/month
    4. ICICI prudential Midcap fund- 5000/month
    5. ICICI prudential value discovery fund- 5000/month
    i would appreciate if i could get a reply for it

    Thanks

    1. While you are investing in good funds, what happens if in future there is an issue with ICICI prudential mutual funds company itself? Hence you should diversify and invest in other AMC funds too. Think one more time from an outside from this point.

  10. I’m actually thinking about investing my extra money on mutual funds but was not able to decide which one is the better no I think I have a more clear picture. Thank you, Sir.

  11. I have following mutual funds- 1.UTI MID CAP Fund – Rs. 2500
    2.UTI MNC FUND – Rs. 1000
    3.Axis Bluechip -Rs.1500
    4.Mirae asset emerging Bluechip – Rs. 1500
    5.Relianc small cap-Rs.2500
    6.UTI EQUITY FUND – Rs. 1000

    Is my portfolio good or I should exit from any of these funds.
    I want good returns after five years

    Please reply.

    Urgent

    1. Hi Mukund, Funds invested by you are good. However, one should invest in equity mutual funds for 8-10 years. If you are looking for good returns for 5 years, you may or may not get them.

  12. Hello sir
    I would like to buy on the following funds.could you please suggest
    1) kotak standard multicap direct
    2) mirae asset india equity fund direct
    3) hdfc mid cap direct
    4) icici pru blue chip direct
    5) reliance small cap direct

    So my question is
    How abt investing in
    6) Hdf nifty index direct
    7) icici pru nifty next 50 direct

    How about investing also on
    8) hdfc hybrid direct fund

    Thank you for your help

    1. Hello Thiru, you are investing in good funds, stay invested. Regd 2 funds these are index funds. When stock markets are going up, index funds could be good, otherwise, these could be worst performers. Hence I suggest you stay away from index funds. Regd HDFC Hybrid fund, it is good fund, you can invest

      1. Thank youb sir for your quick response.
        If i have to choose one of the fund between
        Kotak multicap vs mirae equity

        Which one do you suggest for 10yr period.

        And also
        Hdfc bybrid vs icici equity and debt

  13. Hi sir,
    Great post !
    I have started investing in ABSL tax relief 96 fund and in mirae asset emerging blue chip fund in equal amounts. As part of balancing my portfolio could you suggest me whether to add a debt fund or balanced fund mentioned above? I have time horizon of 15 years.

  14. Hi, I am new in Mutual fund ,Already investing 1000 in ICICI Prudential bluechip fund,kindly suggest some more fund so that i can accumulate 10 lakh in 5-7 years

  15. hello sir, recently i sale my property. i have to invest in nifty nex50 growth fund i am a senior citizen i have 20 lakhs what should i do. Please help me.
    Thankyou sir

  16. Hello I m complete new in investing. I want to invest 20k monthly in mutual fund want to good amount at time of retirement so suggest me good funds

    1. Hello Raju, Good to hear that you are new mutual fund investor. You can invest in largecap, diversified and balanced funds to start with. You can select these funds from this article. All the best and wish you advance happy new year

  17. Hello Sir,

    I want to invest 10000/month in SIP and can you pls tell me how much i should invest in the fund mentioned by you like amount in each 10 funds?

    This would be a great help for me.

    My Goal is to create wealth for my kid future and my retirement planning. Right now i am 38 years old.
    Thanks

    1. If you are high risk taker, you can invest in midcap/small cap funds along with others. If you are moderate to high risk taker, invest in non midcap/small cap funds. You can select 5-7 such funds from this list and invest them equally.

  18. Hello Mr Suresh,

    Thanks again for yet another article and for your valuable inputs.

    I am looking for your suggestions for the below funds of Aditya Birla. Please let me know your views for me to stay invested or time to exit as I see performance is low and degrading these days
    1) ABSL Regular Savings Fund-MD-DIRECT -Reinvestment
    2)ABSL Pure Value Fund – Growth-DIRECT
    3)ABSL Equity Hybrid ’95 Fund – Growth-DIR

    Regards,
    Prashanth

    1. Hello Prashant, The funds are good. However, I have one suggestion. I am not against Aditya Birla Sun Life. But you should diversify your portfolio among various mutual fund houses. Just think what happens if the single AMC you are investing collapses ?

  19. Hello Sir,
    i am investing in following fund via SIP from more than 4 year
    1.ICICI bluechip
    2. HDFC Hybrid
    3.HDFC Mid cap
    4. Franklin Small
    5.Franklin focused equity
    6.ICICI Value discovery
    7. Axis Long term.

    Need Advice on ICICI Value discovery.It is showing 5.05 XIRR return. Should i continue in this fund or switch to new fund.If yes then which fund i should consider for switch .

    Regards
    Rajesh

    1. Hello Rajesh, You are investing in good funds. ICICI Value Discovery is value mutual fund. You may see down turn especially when markets are volatile. If this strategy does not suit you, you can exit and invest in balanced funds like HDFC Hybrid which you are already investing.

  20. Hello Sir,
    I need your suggestions,

    My goal = 2 crore. after 17 years
    I have invested in some funds

    1 ABSL FRONTLINE EQUITY FUND WEEKLY 1000/- (STP)
    2 RELIANCE TOP 200 WEEKLY 1000/- (STP)
    3 HDFC MIDCAP FUND 3000/- PER MONTH
    4 L & T EMARGING BUSINESS FUND 2000/- PER MONTH
    5 KOTAK SELECT FOCUS FUND 5000/- PER MONTH +1000/-(STP WEEKLY)
    6 HDFC EQUITY FUND 3000/- PER MONTH
    7 ABSL TAX RELIEF 96 4000/- PER MONTH

  21. Hello Sir,

    This is Hitesh, I need your suggessions. I am fresh investor & have lack of knowledge.
    I have invested in SBI Bluechip fund Reg Plan G 2500/- per month & ABSL Tax Relief 96 ELSS Fund G Rs 2500/-. Please advise aome more funds to invest.

    Thanks & Regards
    Hitesh

    1. Hello Hitesh, You have invested in 2 funds that are good. You need to choose mutual funds based on your risk appetite. Pls go through this article and start investing based on your risk appetite and tenure.

  22. Sir,
    I am 40 yrs old…i hv jst start a Rs 5000 sip in 5 fund…for the horizon of 10 years.I hv invest Rs 1000 in each fund.
    1) sbi blue chip fund (2) sbi magnum multicap fund (3) mirae asset equity fund (4) mirae emerging blue chip fund
    (5) kotak standard multicap fund..
    I would like to take 5 lakh sum assured for my mediclaim from star health plus
    and the last i would like to take 30 lakh term plan.
    Pl suggest me do i need to change something in my investment portfolia.

    1. Hello Sona, You have selected good funds. You can continue to invest. 2) Mediclaim should be sufficient. 3) Rs 30 Lakhs term plan would depend on your current monthly expenses. You should take sum assured which should be sufficient for next 10-12 years expenses for your family. e.g. if you have Rs 20,000 monthly expenses in your family, you can consider Rs 20,000 x 12 x 10 = Rs 24 Lakhs.

  23. Hello, Sir
    My name is Bonchi Momin, age 23 years old and working as a fresher in a company.
    My plan is to have an working experience for the next 2019 and study MBA in 2020. Since I’m a fresher and have little knowledge about the investment funds I want you to guide me how and where to invest. Should I choose long term or short term?

    1. Hello bonchi, Appreciate your interest in investment when you are just as a fresher in the company where you started your carrier. Keep 2 things in mind when you invest money (either in stocks or mutual funds). What is your risk appetite and what is your tenure? Since you are at young age, you can take high risk and then invest for medium to long term. Ideal investment options could be FD’s and mutual funds. FD’s can help you to keep some emergency money and mutual funds can help you to grow in medium to long term. You can open mutual fund with any mutual fund broker or ICICIdirect or fundsindia etc., Then create SIP( like monthly investment) and invest in 2-3 mutual funds. You can select large cap funds and balanced funds indicated in this article to start with. All the best.

  24. Hello

    My name is Avijit and I am 30 years old. My wife is a home maker.

    I am listing my aims and what I have done so far. Can you please help e with what else can be done or any modifications if required.

    My aims are my retirement, child’s education, life & health Insurance and Emergency Fund.

    What I have done so far.

    1) For Emeregnecy Fund – I have accumulated 1 lakh in savings account.

    2) Health Insurance – Covered by my employer which covers me, my wife, maximum of two children, dad and mom.

    3) Life Insurance – Term policy for 2 Lakhs

    4) Retirement – I have a PPF policy for Rs 3000 a month for 15 years for now. NSC for Rs 6000 every quarter.

    5) Child’s Education – Time frame – 20 years from now.

    SBI Blue chip Fund – Rs 1000 a month for 20 years. Started – Sep 2018.
    Axis Mid cap – Rs 1000 a month for 20 years.Started – Oct 2018.
    Reliance Small cap fund – Rs 500 a month for 20 years. Started – Dec 2018.

    1. Hello Avigit, Good to hear about you. 1) I hope your emergency fund, you have done a Fixed Deposit in a bank. If not, pls do it now 2) Health Insurance is covered, hence don’t need to worry. Just check if the sum insured is sufficient, otherwise, you can go for top-up by paying extra premium to your employer insurance 3) Term policy for Rs 2 Lakhs is very flow. You should consider your monthly expenses x 120 times. e.g. if your monthly expenses are Rs 20,000, your term insurance should be for minimum of Rs 20,000 x 120 = Rs 24 Lakhs. This is to ensure that your family survives for 10-15 years minimum in your absence 4) Instead of NSC, you can deposit it in PPF itself. PPF is great retirement tool. There is no tax on returns. In case of NSC, the returns are taxed 5) 3 funds which are largecap, midcap and smallcap. Since your horizon is 20 years, this portfolio is good. All the best for your future.

  25. Hello Sir,

    My name is Binoy. age 33 years married and 1 kid with 1year age. my wife is home-maker.

    I need you to help me and to guide me about my investment porfolio as given below

    Emergency Fund – 2 lakh

    Franklin India Low Duration Fund

    Term Plan – 60 lakh (10% Increasing every year)

    Mutual Funds

    Child Education – 15 years – 40 lakh

    ABSL PURE VALUE – Direct – 2000 – Jan-18
    L&T EMERGING BUSINESS – Direct – 2000 – Dec-18

    Child Marriage – 25 years – 50 lakh

    RELIANCE SMALL CAP – Direct – 2000 – Jan-18

    Retirement – 27 years – 2.5 cr

    KOTAK STAND MULTICAP – Direct – 2000 – Jan-18
    MIRAE EMERG BLUECHIP – Direct – 2000 – Jan-18
    MOTILAL MULTICAP 35 FUND – Direct – 2000 – Jan-18

    Some Lumpsum as on Dec – 2017

    HDFC SMALL CAP – 50000
    ABSL SMALL CAL – 50000
    L&T INFRASTUCTURE – 50000

    all 3 lumpsum funds are in negative returns aprox 12-20 %

    i need ur suggestions regarding my current investments portfolio

    is my SIP fund selections are good as per specific goal selections?
    or need to switch or stop any of these…

    and also want to know about my lumpsum investment funds

    shall i keep continue with it or i stop any of the above running sip fund and start sip in lumpsum invested fund

    Please do the needful and guide me at right path of my investing career.

    1. Hello Binoy, Good to hear about you and your 27 year financial plan. 1) Emergency fund in debt fund – Good, you can continue in this fund. 2) Child education in 15 years – Value fund + small cap fund. Good funds. You can think of adding a largecap or diversified fund too 3) Child marriage – You are investing in Reliance smallcap fund which is good fund. However, don’t depend on just 1 fund. Split that into 2-3 funds 4) Funds invested for retirement are good. You can continue to invest 5) Funds invested in lumpsum are good except for Infra. Infra funds are high risk. If you are high risk investor, you can continue to invest in this fund, else exit from such funds. All the best for your future.

      1. Thank you soo much to give your precious time and support and your suggestions on my quires, will definetly try and follow your idea which you have given to me.

        as you said to add largecap or diversified fund for child education and also to add funds for his marriage goal so…

        can i add MIRAE ASSET INDIA EQUITY FUND for my child education goal

        and make STP from my existing L&T INFRASTRUCTURE FUND to start SIP in L&T MIDCAP FUND for his marriage goal..?

        Regards.

  26. Hello Suresh Ji,

    Any suggestions or correction regarding trailing MFs

    Emergency Fund Allocation
    Edelweiss Arbitrage Fund-Direct-Growth +Axis Liquid Fund-Direct-Growth

    Short Term (3-5 yrs) Total-3000/-
    Franklin India Low Duration Fund -Direct-Growth 3000/-

    Medium Term (Son Graduation) (15-17 yrs) 12000/-
    Franklin India Smaller Companies fund-Direct-Growth (Small Cap) 4000/-
    L&T mid Cap Fund-Direct-Growth (Mid Cap) 4000/-
    Axis Blue Chip Fund-Direct-Growth (Large Cap) 4000/-

    Long Term (Retirement Allocation (25+yrs) 12000/-
    L&T Emerging Business Fund-Direct-Growth (Small Cap) 4000/-
    HDFC Midcap Opp. Fund-Direct-Growth (Midcap) 4000/-
    Aditya Birla Sun Life Equity Fund-Direct-Growth (Multicap) 4000/-

    Checked with common stocks and portfolio overlap (approximately 4-5 % )
    Equity & Debt ratio – 70:30
    As the time duration is more have included midcap,small cap and multicap in the portfolio

    Appreciate your effort and good work, Thanks in advance.

    1. Your allocation is good. However for long term for retirement of 25 years, you should add diversified funds and largecap funds too which can provide protection to your portfolio from downside (especially which we are seeing in midcap/smallcap funds now)

  27. Hello Suresh,

    I have selected trailing MF as per the goals, please do correct me if I need to make any changes in them

    Emergency Fund Allocation
    Edelweiss Arbitrage Fund-Direct-Growth +Axis Liquid Fund-Direct-Growth

    Short Term (3-5 yrs) Total-3000/-
    Franklin India Low Duration Fund -Direct-Growth 3000/-

    Medium Term (Son Graduation) (15-17 yrs) 12000/-
    Franklin India Smaller Companies fund-Direct-Growth (Small Cap) 4000/-
    L&T mid Cap Fund-Direct-Growth (Mid Cap) 4000/-
    Axis Blue Chip Fund-Direct-Growth (Large Cap) 4000/-

    Long Term (Retirement Allocation (25+yrs) 12000/-
    L&T Emerging Business Fund-Direct-Growth (Small Cap) 4000/-
    HDFC Midcap Opp. Fund-Direct-Growth (Midcap) 4000/-
    Aditya Birla Sun Life Equity Fund-Direct-Growth (Multicap) 4000/-

    Checked with common stocks and portfolio overlap (approximately 4-5 % )
    Equity & Debt ratio – 70:30 As the time duration is more have included midcap,small cap and multicap in the portfolio

    Appreciate your effort and good work, Thanks in advance.

  28. Dear Mr. Suresh,

    Thanks for the nice Article,

    I have invested in the following Mutual Funds.

    1. SBI Blue Chip Fund ( Growth)
    2. ICICI Prudential Value Discovery Fund (Growth)
    3. ICICI Prudential Export and Other Services (Growth)
    4. Franklin Build India Fund (Growth)
    5. Mirae Asset Emerging Blue Chip Fund (Growth)
    6. DSP Small Cap Fund (Growth)

    I have a long term Horizon of 10 years. Please advise if these are right funds.

    Looking forward to your response.

    Thanks & Best Regards,

    Alankar Tiwari

    1. You are investing in good funds except for few observations 1) ICICI Value discovery fund is high risk fund and has been under performing for some time. You can review and exit 2) ICICI Pru Export and other services fund and franklin build india fund are sector funds and high risk. You need to keep monitoring such funds regularly every quarter to ensure there is no down turn in such sector.

  29. Dear Sureshji,

    I have invested in some mutual funds through SIP. Can you please advise whether I have to switch to any other funds or I can continue the below investments?

    1) Aditya Birla Sunlife MNC Fund – Growth – Regular Plan
    2) Aditya Birla Sunlife Pure Value Fund – Growth – Regular
    3) Canara Robeco Regular Equities
    4) DSP Small Cap Fund – Regular Plan – Growth
    5) Franklin India Focused Equity Fund – Growth
    6) Franklin India Smaller Companies Fund – Dividend
    7) HDFC Midcap Opportunities Fund – Regular Plan Growth
    8) Kotak Emerging Equity Scheme Growth (Regular Plan)
    9) SBI Blue Chip Fund – Direct Plan – Growth
    10) Tata Value Fund Series-1 – Regular Plan Growth (NFO)

    Presently i am investing around Rs. 28000/- per month. These funds i am investing since 3 years. I am planning to invest to another 7 years.

    Regards

      1. Thanks for your valuable comments. Can you plrase suggest some more large cap funds to invest for another 7 to 10 years.

  30. Hello Suresh ji

    My portfolio is as below

    1)icici bluechip equity 3k
    2)BSL Frontline equity 3k
    3)DS TAX saver 5k
    4)DSP small cap 3k
    5)FR smaller companies 1k
    6)MIR Asser emerging bluchip 2k
    7)Franklin Prisma 2k
    8)kotak standard multicap 4k
    9)Motilal most focused 35- 4k
    10)parag parikh equity 3k

    At present I am investing 27k per month
    Now I am planning to increase it to 35k per month
    I know I have more funds in my portfolio but I think it’s OK

    Please suggest me whether I have to exit from any of the above funds?
    My age is 34 and I have long term horizon
    Thanks

    1. Prashant, Funds invested by you are good, you can continue. You can keep 5-8 mutual fund schemes. Since you have tax saver fund too, you can continue with this list

  31. Iam invested in from last year in the funds you recommended last year 2018. Now should I exist from those funds and enter in these funds

    1. Hello Prashant, Except for couple of funds, our portfolio remained same. List down the funds which you are investing, I can provide the guidance. Indicate your risk appetite + how long you want to invest. Post SEBI recatgorization of mutual funds in May-2018, some funds needs to be reviewed based on your risk appetite and tenure of investment.

      1. Hello Suresh,

        1)ICICI bluechip fund 3k
        2)BSL front line equity 3k
        3)DS TAX saver 5k
        4)DSP Small cap fund 3k
        5)Franklin smaller companies 1k
        6)MIR Asset emerging bluchip 2k
        7)Franklin Prisma 2k
        8)kot standard multicap 4k
        9)Motilal most focused 35- 4k
        10)pparikh 3k

        At present I have monthly Sip of 27k.
        From this year I am planning to make it 35k per month.

        I know that I have more funds in my portfolio as most people suggest to keep the number of funds minimum, but I think it’s OK

        Can you please suggest me to exit from any of the above funds?
        Thanks

  32. Thank you for providing such a detailed article. I like how you have summarized all the information in a single article.

  33. Hi Suresh KP

    I am 32 years old and I am investing dis 11 funds for last 2 years… And supposed to invest till 60 years…. Kind suggest my selection or you may suggest any changes… I can take the high risk…. All are Direct Growth Plan….
    1. MA Emerging Bluechip
    2. CR Emerging Equities
    3. HDFC Mid-Cap Opportunities
    4. FI Prima
    5. K Emerging Equities
    6. SBI Magnum MidCap
    7. LT Emerging Business
    8. DSP Small Cap
    9. FI Smaller Companies
    10. LT Mid-Cap
    11. R Small Cap

    Want to add 5 Large Cap in near future…..

    1. Hello Anup. Funds invested by you are good. however you are investing in all midcap/small cap funds. If you see current market sceneario, all midcap/smallcap funds are down. You may face this situation during your retirement too. Hence you should diversify your portfolio. You should add some in largecap funds (which you are anyways plannnig to do), diverisfied and balance funds too. check the article and largecap recommendations are already there. You can invest in them.

  34. Hi Suresh,

    What if I do a one time investment in all of these for 2 Lac each and leave it for 15 or 30 years? Does your 15-15-15/30 rule (published in another article) would get applied?
    Please advise.

    1. Hemant, 15-15-15/30 rule is when you invest Rs 15K per month for 15 years/30 years would apply. Since you invested one time, you cannot compare such rule with your lumpsum investment. Since your time frame is 15-30 years, your lumpsum investment should be okay.

  35. Hi, I am investing in the following funds:

    1) Kotak emerging equity scheme – Growth – Rs. 1000
    2) L&T emerging businesses fund – regular plan – growth option – Rs. 2000
    3) SBI bluechip fund – regular plan growth – Rs. 1000
    4) Sundaram rural and consumption regular growth – Rs. 2000

    I am not satisfied with the 2nd fund especially, although other funds are not performing that good as well..I have couple questions. A) Do I need to continue with these funds. B) Also I am planning to invest Rs. 2000 in another fund..Can you please suggest me?

    1. Hi Thilak, Here are my comments on your queries A) You can continue in your funds. 2nd fund is small cap fund, hence you are seeing down trend now. However you can continue. But note that your portfolio looks high risk continaining small cap funds and rural theme funds. While you can invest in such funds, you can invest 20% to 30% in such funds and balance you should invest in largecap, diverisifed and balanced funds which can fetch you good returns even when markets are volatile. B) you can invest in any of the large cap funds like ABSL Frontline equity fund or ICICI focused blue chip fund etc.,

  36. Suresh ji,

    I am investing in a sip of franklin high growth companies fund its not performing well. Should i continue or switch it to some other fund. please suggest a fund if needs to switch to other fund

    1. This is one of the good multicap mutual fund scheme. Due to stock markets are volatile, this fund shows negative returns. Unless you need money in near future, you can continue to invest in such scheme

    1. Hi Thiyagarajan, This is multicap fund that was launched 5.5 years back. This fund is under performer when compared to its benchmark. e.g. NIFTY 50 TRI gave 12% annualised returns in the last 3 years vs this fund of 10% per annum. This fund was inline with losses in the last 3 months i.e. NIFTY 50 TRI had negative returns of 10% and even this fund too. This fund gave 1% returns in the last 1 month vs NIFTY 50 TRI of 6%. Net summary is that this fund is performing well, but always is inline with its benchmark or below its benchmark. I would be excited to invest in fund that performs well compared to its benchmark.

  37. Thank you for your reply Sir. I just want to know that how strong our Mutual Fund regulatory system is so that it can provide us safeguards in case of any unprecedented incident occurs. I know that there is a maximum investment limit in a particular company and particular stock for mutual funds. Having given regard to this factor, do you think that investors of mutual funds especially, are well protected from any insider trading sorts of incidents those are happening around very recently in our country.

    1. Hello Arthik, your doubt is very much valid. SEBI is supposed to regular mutual fund AMCs. However, recent IL&FS crisis shown that there are threats to mutual fund industry where they can incurr losses. We can’t rule out any Mutual Fund scam too in future. Best way is to diversify and invest in 5-8 mutual fund schemes so that in case in future if there is issue with 1 scheme, our investments are protected to maximum extent if not 100%.

  38. Fund selection is top notched. But don’t you think that the next market run will depend on the Next year election to a great extent. Is not it? Like the run we had in August 2014.

    1. Hello Arthikdisha, Yes, next year direction would provide direction to stock markets. However, the artilce is not for short term recommendations. This is for long term SIP recommendations for 8-10 years. It would have some impact due to elections which is not in our control. what is in our control is to save extra money and keep investing in SIPs

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