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Investment, Financial Planning, Mutual Fund & Income Tax Queries

Can I get a comparison between PPF and Equity Fund returns

Please send me a comparative return statement of PPF with equity fund for last 3/5 years. An early reply is solicited?

Jan 12, 2017 by Kailash Chandra Mohanty, Bhubaneswar  |   Equity Investing
Please go through the following research tool – PPF Versus ELSS – which can help you get the... Read More

How to know which SIP is the best plan

How to know which SIP is the best plan?

Jan 9, 2017 by Manjeet Sangwan,   |   Mutual Fund
Mutual Fund are the only investment option which offers you a wide array of choice of funds to invest for your different life goals – long term as well as short term. The selection of funds should be based on... Read More

Can you please suggest investment options for wealth creation

I am looking for investment options (I am open for anything like SIP, Mutual funds, direct equity or anything). I am saving 50k monthly that keep in my bank account after managing all my expenses. Please suggest me the investment options that can create wealth for me. No matter short term or long term. I am already having 10k SIP running for below funds. 1. Principal Emerging Bluechip Fund(G) - 05/12/2016 - 05/11/2036 - M649083 - 2000 - 76, 2. Birla Sun Life Frontline Equity Fund(G) - 10/12/2016 - 10/11/2036 - M649085 - 2000 - 168, 3. SBI Magnum MidCap Fund(G) - 15/12/2016 - 15/11/2036 - M649085 - 2000 - 65, 4. Reliance Small Cap Fund(G) - 20/12/2016 - 20/11/2036 - M649085 - 2000 - 28, 5. DSP BlackRock Small and Mid Cap Regular(G) - 25/12/2016 - 25/11/2036 - M649085 - 2000 - 40?

Jan 9, 2017 by Vaseem Ansari,   |   Mutual Fund
Mutual funds are the best investment option to create wealth for the long term. Investing through SIP or lump sum mode should be based on availability of the investible surplus at your end. In your case, if you have... Read More

How to redeem LNT Infrastructure Bonds

I would like to inform you that I am a regular reader of your messages sent to me through mail and I feel these are very informative and educative and also very helpful in deciding funds selection. Sir, one more thing I want to know my friend has invested some amount in LNT Infra Bond for tax saving in 2011 and now he desires to encash the bond. I have tried to contact on phone line but phones are not working (may be out of service). Emails sent are bounced back. Kindly advise if you have any information regarding their contact number/address/mail id etc. to enable me to contact LNT Infra?

Jan 9, 2017 by Kailash Chandra Mohanty,   |   Taxation
Thanks for writing to us and the kind words about Advisorkhoj. Glad to note that you are one of our regular readers and found our blog informative and useful. With regards to your above query, please note the... Read More

How to invest 10 lakhs across equity and fixed income

How to invest Rs. 10 lakhs corpus across equity & fixed income assets in 2017?

Jan 9, 2017 by Mahadevan Kartikeyan,   |   Mutual Fund
To answer this query correctly, we would have liked to know your age, risk profile, investment horizon and the purpose or goal of this investment. Since these are not provided by you, we can provide you with... Read More

How to exit from close ended funds

How to exit from close ended mutual fund series?

Jan 9, 2017 by Nilesh, Mumbai  |   Mutual Fund
In an open-ended fund, you can exit (redeem) your units any time. But in a closed ended fund, you cannot exit / redeem the units before the maturity period of the scheme by selling units back to the fund house... Read More

Is my mutual fund selection fine for achieving goals

Respected sir, Thanks for your warm response and valuable suggestions. Sir as per your suggestions, I gone through the schemes and its risks also, but I can take high risk and at the same time I want a complete portfolio which includes a diversified fund, Balanced fund, Mid& small cap fund and Income fund. so, as per my requirement I want to take your suggestion once again to make my financial life fruitful sir. My salary package as on date: Rs. 6 Lakhs per annum, 2) EPF balance as on date 2 Lakhs, 3) Emergency fund I kept in SBI as OD against FD worth Rs. 1 Lakh 4) Term policy worth Rs. 75 Lakhs (Kotak - 25 Lakhs, Max life - 50 Lakhs) out of which I have paid annual premium of Rs. 8,500. Policy tenure up to 60 years. 5) Housing loan in HDFC for Rs. 20 Lakhs and paying monthly EMI as Rs. 20,000. 6) Investing MF in SIP mode (Monthly Rs. 2000) for tax benefit in SBI Tax Gain Scheme only. Still I don't have any financial planning but now I am aware of these things and financial goals are as follows 1) Retirement planning: my expenses as on today is Rs. 20,000 and I am going to retire in 60 years of age - For this one can I choose Diversified Equity fund - ICICI Pru Value Discovery Fund 2) Kids Marriage: After 20 years I expected to do marriage for my kids and need 10 lakhs as on today exp - for this one HDFC Balance Fund can I choose sir? 3) Kids Education 8 lac as on today exp - for this one DSP BlackRock Microcap fund can I choose sir? 4) After 3 years I need 300,000 for abroad tour - for this one can I choose ICICI Prudential long term income fund sir? I can invest Rs. 15,000 pm in complete portfolio (Diversified+balanced+mid& small cap + debt funds). Please suggest me sir whether my perception is correct one or not? Thanking you sir. Your earliest and Heartful reply is highly awaiting sir?

Jan 9, 2017 by Sunil Kumar, Chennai  |   Mutual Fund
We replied to your earlier query in details and posted in our query section. You can check that... Read More

Which is a better option dividend or SWP to get regular returns from debt funds

Happy New Year & hope your valuable blogs will help us in future. Sir please suggest me in debt fund category which option is suitable for regular income SWP or divided pay option monthly or yearly without income tax?

Jan 7, 2017 by S R Jain,   |   Mutual Fund
Please note that there is no way that you can get tax free return from debt mutual funds. Please note that in case of SWP from debt funds, all withdrawals within 3 years are subject to short term capital gains... Read More

Has DSP BlackRock Income Opportunities Fund declared dividend in December 2016

What is the dividend declared for December 2016 by DSP income opportunities regular fund?

Jan 7, 2017 by Yogeshwar, Ranchi  |   Mutual Fund
Please note that DSP BlackRock Income Opportunities Fund declares dividends, with daily, monthly, quarterly and annual frequency. We are not sure which option you have invested in? However, in the month of... Read More

How can I get regular monthly return in lieu of fixed deposits

I am 65 years of age retired with 20 lakhs in FD which is my main source of living. Can you suggest a way in which I get some amount every month unlike FD?

Jan 7, 2017 by Surmadhu, Mumbai  |   Financial Planning
Since you are retired and invested your money in fixed deposits, we are assuming you can not take much risk with your investments. We are also assuming that bank fixed deposit rates are going down and... Read More

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