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Which are the best mutual funds in my portfolio

As discussed in whatsApp, mailing my portfolio for your reference and suggestions. Also Sir I requested you that I have FD of 30 Lakh and need your advice for the investments. Like whether should go Lump sum or through SIP or through STP. Also Sir I requested for the allocation fund wise. One more thing where to park this 30 lakh amount in which liquid fund. Please suggest?

Jan 31, 2018 by Harshu Singh,   |   Mutual Fund
I checked your mutual fund portfolio and have the following suggestions to make. Given the current market levels, I think you objective should be two – First, reduce the exposure of mid and small cap funds as the... Read More

Which mutual fund is best to invest as I can take high risk

I Ayan Ghosh (25), an ardent follower of your website and by profession a student. I regularly follow your website and accumulate some knowledge about investing in MF. As per your fund recommendation I have already investing in these 3 funds from last two months - 1) ABSL Advantage Fund - Direct(G) - 1500, 2) Reliance Small Cap - Direct(G) - 500, 3) Mirae Asset Emerging Bluechip Fund - Direct(G) - 1500. I have planning to continue these SIP for 10-15 years horizon. Now all of a sudden I came to know I will receive 1 Lakh from LIC maturity proceeds in the next month. But I already understand that insurance are not a wealth creation component and thus I have deciding to invest it in mutual fund. Now please guide me to allocate the fund according to your wish list. I am a high risk taker and any input of your thoughts are very beneficial for me. If you kindly respond to my mail I will be highly obliged?

Jan 29, 2018 by Ayan Ghosh,   |   Mutual Fund
At the outset, I thank you for being an ardent follower of our website. Please do not construe the suggestions given on the website in the general interest of public consumption as recommendation and advise... Read More

Which are the best mutual funds to invest in India

I have been receiving your communications and various analysis of various MF investments and your recommendations. It's been quite interesting to review most of your recommendations and some of the interesting answered to various questions raised by many of your followers. I really appreciate the time and efforts taken by you and your team to address various queries. Mr. Pradip, we as a family have been investing on MF for a long time, and it had really helped us during the time of our daughter's higher education. Now as a second phase of investments on my wife's name, after evaluating various options, I have arrived on the following. Would appreciate your valuable inputs on this or any other suggestion which can benefit for a long term investment. Here are some background: 1. Period long term 3-5 years or beyond and available fund Rs. 1,25,000 We would like to split this into 4 different one time investments as follows: a) SBI Magnum Multicap Fund Growth (Direct) - Rs. 30000, b) Franklin India High Growth Companies Fund (Direct) - Rs. 35000, c) DSP BlackRock Opportunity Fund Growth (Direct) - Rs. 30000, d) Mira Asset India Opportunity Fund Growth (Direct) - Rs. 30000. 2) SIP of Rs. 10,000 available per month, for 3-5 years or more as follows: a) HDFC Capital Builder Fund - Growth (Direct) - Rs. 3000 SIP per month, b) ICICI Prudential Nifty next 50 Index Fund Growth (Direct) - Rs. 4000 SIP per month, c) Franklin India High Growth companies Fund (G - Direct) - Rs. 3000 SIP per month. Please do suggest if these are ok to move forward and would really appreciate your valuable inputs on this?

Jan 25, 2018 by Suvibadra, Mumbai  |   Mutual Fund
Thank you for writing to us and also for the kind comments about our work. We are glad to note that you have been investing in mutual funds for long time and you got immensely benefited from its returns... Read More

Should I invest in equity savings fund for parking my investible surpluses

I am retired, Senior citizen, 68 years, living in Mumbai. I am a keen follower of Advisorkhoj and extremely impressed with your information given. I adore your subject knowledge and appreciate and sincerely thank you for all the help you are giving. Tell me one thing how you are doing so much of social service without anything in return. Are you running some advisory service. If yes, kindly send me details. Presently I have one question and seek your advice. I want to make my advance income tax quarterly payment planning. For this I want to make a deposit of approximate amount of advance tax to be paid in a particular quarter (15 June, 15 October, 15 Dec & 15 March) now and wish to withdraw the required amounts on the dates shown (or 3 days in advance so that money is back in a/c and on each of the 4 nos. 15th I can pay advance tax on line). For above I am thinking of making investment in Equity Savings Fund of different AMCs so that reasonable return of 9-10% can be obtained and also no capital gains tax after one year withdrawal. Do you think it is good or suggest some other fun? Also let me know the funds where I can distribute and invest for wider choice (not all eggs in one basket)? I keenly look forward to your advice and also details of your services?

Jan 6, 2018 by Rathindra Nath Mittra, Mumbai  |   Mutual Fund
Thanks for the kind words about Advisorkhoj. Glad to note that you find our content, research and query answers useful. Please note that we do not run any advisory services, instead we help advisors run... Read More

Where to see the mutual fund dividends and the scheme returns

I have been regularly reading about various MF performance reports which I find very informative. However being an investor who is looking more for annual dividends (as am now 70 years old) as income, I find that most reports only show details for growth option. If similar data is available for dividend option performance of various MFs, it will be very useful for my type of investors. Please do respond and let me know how this need can be met?

Jan 6, 2018 by Sashi Rao,   |   Mutual Fund
At the outset, I wish you A Very Happy New Year. I am glad that you are reading our reports regularly and finding them useful. Generally mutual fund research websites show returns of growth option only. The... Read More

What is the difference in returns between dividend pay and reinvestment option

In one of reply to query you have mentioned that while switching the fund from dividend payout option to growth option, you need to keep two things in mind - 1) Exit load may be applicable as you are switching before 12 months. Please check the exit load percentage and the time period on the statement, 2) If you are making any profit on the switch, then it will be treated as short term capital gains and tax @15% shall be payable when you are filing your income tax returns. What is the implications if I want to change from dividend payout option to dividend reinvest?

Sep 5, 2017 by Shrawan Kumar,   |   Mutual Fund
There are no implications because when you switch from dividend payout option to dividend reinvestment option the NAV is not changing. Please also note that there is no difference in returns between 'dividend... Read More

How can I reach my financial goals with current investments

I am a Govt. employee age 29. My salary is 40000. My goal is 1 child education & make a home with corpus of 55 lack in next 15 years. My saving are EPF 7000, PPF 6000, RD 2000, LIC 2000 pm. I invest SIP SBI Magnum Midcap, SBI Blue-Chip, Franklin India Prima, Birla Sun Life Equity, ICICI Value Discovery each Rs 2000 is these are good, please suggest me?

Sep 5, 2017 by Ajay Joshi, Nainital  |   Mutual Fund
In your query you have mentioned about two future goals - Child education and Make a home. For making a home your thought is very clear as you need Rs 55 Lakhs after 15 years. However, for your child's... Read More

Am I investing in best mutual fund SIPs

I am investing in SIP for long term goal in ICICI Prudential Value Discovery Fund and HDFC Equity Fund same SIP amount of 1000 rupees every month. But I am planning to shift from HDFC Equity Fund to Mirae Asset Emerging Blue Chip can suggest me it is bad are good and also I am planning to invest lump sum amount of 5000 to 10000 for a period of 20+ years suggest me for good fund?

Sep 5, 2017 by Prathyush Reddy, Hyderabad  |   Mutual Fund
It is good to know that you investing through SIPs. However, the funds you have selected are not that great! I think you have rightly chosen Mirae Asset Emerging Bluechip Fund. The other fund you can add could... Read More

How can I accumulate Rs 1 Crore after 15 years from best mutual funds

I am a 31 year old professional from Kolkata, I am a regular viewer of your website & a follower of your daily mailer. I came across your website few months back & I must tell you, it is one of the best website I had seen in India for mutual funds working & research articles. I already had some investments in mutual funds & had investment of around 1-2 lakh/annum in ELSS schemes, I also had some other investments of mutual funds. My objective writing this mail to you, to get some suggestions. I had a objective / target of making RS 1 crore value from 15 years from now, I want to know what maximum return I should consider, based on that my SIP amount & funds would be decided. I required your advice on what avg return I should consider to invest & what funds should I invest, I want to invest in smaller SIP multiplier funds. Looking forward for your kind support & advice on this?

Sep 5, 2017 by Sumit Banerjee,   |   Mutual Fund
Sorry for reverting late, the reason being we are flooded with queries and it is always not possible to answer as promptly as you may expect. Coming back to your query, please note the following - To get One... Read More

Can I get some clarification on my investment in Sundaram Select Focus Fund

I have attached an excel sheet about my investment in Sundaram Select focus Mutual fund - dividend reinvest. I started my investment in 14/01/2013 till 14/12/2015 by investing Rs.5000 pm. with a view to get dividend and growth on my invested amounts via SIP. However unfortunately not much growth nor dividend till July 2016. But since August 2016 it gave quarterly dividend of rs. 1, 0.5, 0.5, 0.5 and last on 16 August 2017 of 0.25 (Disappointed a bit on last dividend rate). I invested in the scheme with full knowledge of the past but I came across articles written by Sri Dwaipayan Bose and would like him to reply my queries. Sir my queries are as follows: 1) After having invested in this scheme how I should view my returns or growth going forward in this scheme. 2) As you can see I have invested in this fund since 3 and a half years, now how I should look at my returns in sense of absolute / per annum basis / trailing returns etc. If you could explain in detail as to what points an investor should should look in the fund, it would change our view of looking at returns. Or all are important. 3) sir as you can also see the dividends are not fixed but the fund manager is trying to make it look attractive so that people invest. I do not mind not getting dividends as long as the fund performs and there is a visibility of growth of my portfolio value in total. 4) Sir if you have another example / fund which explains my query better please let me know through that example, as my fund selection may not give a long term view so as to understand your thoughts. Sir your articles are good but examples are not there. Hence I request you to take some time and explain to investor community at large as to how our approach should be towards our investment, so that we would change and equally learn as how we should view our investments?

Sep 4, 2017 by Vivek Sethi, Bangalore  |   Mutual Fund
Sorry for the late reply. Let us address your questions / comments one by one. Let us address questions 1 and 2 together because they are related. Trailing returns are not applicable for SIP investments... Read More
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