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Can I have capital protection if withdrawing from balanced and equity funds

I am retired. I have a corpus of 50,00,000. I would like to invest in 1. ICICI Prudential Value Discovery Fund - 10,00,000 2.HDFC Prudence Fund - 15,00,000 3. BSL Balanced 95 Fund 20,00,000 and 4. BSL MIP 25 - 2,00,000. To withdraw about 50,000 per month through SWP. Can you analyse and give advice on this portfolio. I am looking for capital protection also?

Dec 5, 2016 by Murthy, Neyveli  |   Mutual Fund
The funds you have chosen for taking SWP withdrawals are all fine. But we have following suggestions to make - 1. Withdrawing Rs. 50,000 per month from an investment of Rs. 50 Lakhs in the above funds is bit... Read More

How to optimise my SWP returns from balanced and liquid funds

I want to ensure Good returns from SWP from Multiple scheme from your site. I understand that if SWP is done from mainly from Balanced (Equity) Fund and during low period from Liquid fund would lead to higher returns. Is there any way to instruct AMC for such SWP (both balanced and liquid fund from one AMC). Please reply with procedure to do such SWP?

Dec 5, 2016 by Mukesh Mangla, Bhopal  |   Mutual Fund
Yes, we suggest balanced funds as they invest in both - equity and debt and yet get the taxation of equity funds. That means, if you are withdrawing through SWP route after one year, then all the gains received... Read More

What should be a good source fund for doing STP into equity mutual fund

What could be a good source 'debt' fund (liquid, income, short, ultrashort, dynamic bond or gilt fund) for lump sum investment of 10 lakhs from which STP into an equity fund can be planned for a period of at least 5 years?

Dec 5, 2016 by Pankaj, Ghaziabad  |   Mutual Fund
Please note that liquid funds could be the best option if you want to park your lump sum investment for systematically transferring (STP) to equity funds. You may like to check our STP tool and see... Read More

Should I redeploy my investments as the market is falling

I am 59 and retired. I have made investments on SBI Bluechip, SBI Magnum Midcap, ICICI Pru Value Discovery and HDFC Balanced funds(all Growth and Regular plan). With the current scenario of crashing prices, should I consider redeployment of my investments or stay put? Kindly guide?

Dec 5, 2016 by N V Ramani, Bangalore  |   Mutual Fund
Congratulations! as you have selected good mutual fund schemes for your investments. Though you have not given the date of your investments in these funds, please note that mutual fund investments are... Read More

Where to invest Rs 10 lakhs to get a monthly Income of Rs 10 thousand

I am getting 10 Lakhs and I want a monthly income of Rs. 10,000 from it. Where to invest please suggest me?

Dec 5, 2016 by gopalakrishnan d, tiruvannamalai 606601  |   Mutual Fund
Before you invest in any fund or market linked products (say, mutual funds), you must assess your risk profile. Getting a monthly return of Rs. 10,000 from an investment of Rs. 10 Lakhs is quite challenging... Read More

What would be the condition of bond market in India if US Fed is going to hike the rate

I have invested lump sum in debt mutual fund i.e Birla Sun Life Monthly Income Plan II - Savings 5 Plan - Direct Plan, BSL Dynamic Bond Fund - Direct - Growth, ICICI Pru Monthly Income Plan - Direct - G, HDFC - Bankng & PSU debt fund for a duration of 3-5 years. News is that in December US Fed is going to hike their rate of interest. In such condition how bond market in india will be affected and also my investments. Please educate me?

Dec 5, 2016 by Basudev, Barbil  |   Mutual Fund
Answering the query you have sent to us, will require a full blog to be written. May be we can think of taking that up in future. However, I would like to point out that in India, investors think too much about... Read More

Can I invest Rs 1 Lakh in SBI Magnum for quarterly dividend

I am a senior citizen. Want to invest 1 Lakh in an open ended MF which gives quarterly dividend and can also withdraw the MF when needed. Some body has suggested SBI Magnum. Is it okay?

Dec 4, 2016 by Rita Dass, Kolkata  |   Mutual Fund
In your query you have not mentioned the fund name and has only mention SBI Magnum. Please note that there are a number of funds from SBI Mutual Fund stable starting with SBI Magnum. However, a little bit... Read More

What about my principal investment if I do SWP from debt funds

You have explained very well investments for SWP in debt fund is good. I agree. But tell that if we are redeeming units every quarter and total units 10000 are getting exhausted. No doubt NAV is increasing. Can NAV come down in debt fund. At one time total units will finish then what about our investment amount i.e. capital loss. Please clear this?

Dec 4, 2016 by Mahesh Kumar Sapra, Delhi  |   Mutual Fund
Thanks for the kind words. Please note that over a period of time the NAV keep increasing and that compensates for the redeemed units through SWP. While NAV keeps increasing, the units gets reduced as you... Read More

How can I get the redemption proceed from my husband's Mutual Fund investment

I have received a letter regd. folio no. 5105000746 LIC MF Equity Fund - Growth Plan. But sorry to inform you that my husband shyama pada roy expired on 28.01.2013 and I am not getting any policy. So please guide me how i can get my maturity amount?

Dec 4, 2016 by Bharati Roy, Sainthia Birbhum  |   Mutual Fund
It is very unfortunate that your husband expired and you did not know about his investment in this particular fund. You should immediately contact the nearest LIC Mutual Fund office or write to - The Investor... Read More

Have I selected the right mutual fund schemes for long term investments

My monthly income is 50,000. I am 28 years old, single with no dependency. I want to start investing in SIP of 19,000. Following Mutual funds I have picked based on CRISIL ratings and rankings. Please suggests, DSP BlackRock Micro Cap Fund - Regular Plan (G) - 2000, DSP BlackRock Micro Cap Fund - Regular Plan (G) - 2000, Mirae Asset Emerging Bluechip Growth - 2000, Franklin India Smaller Companies Fund Growth - 2000. Large Cap - SBI Blue Chip Fund (G) - 2500, SBI Blue Chip Fund (G) - 2500, Kotak Select Focus Fund - Regular Plan (G) - 2000. Diverified Fund - ICICI Prudential Value Discovery Fund (G) - 2000, L&T India Value Fund (G) - 2000?

Dec 4, 2016 by Subhobrata Mukherjee, Chennai  |   Mutual Fund
CRISIL research is most dependable, transparent and followed by the industry. You have done the right thing by selecting funds based on their rankings. The only point I would add here is that you should... Read More

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