Hi,
I want to invest rs 10lacs for 3 years. The market is down right now and all of my funds are showing like 4% profit though it will change as the market will perform.
Right now i am confused where should invest?
SIP/ lumpsum in equity or debt/ FD / keep in savings account only ?
3 Answers
Hi,
May I know your expectations on this corpus investment?
Is it safety of capital or ready to take risk? If possible, share the scheme names that you have already invested in...
I have invested in different schemes already some are as lump sum some as SIP, mostly by reading yours and other financial advisors articles
ICICI balanced fund (lump sum)
Sbi bluechip fund (sip)
icici MIP 25 (lump sum)
icici value discovery fund (stp from icici liquid fund)
From these funds, only icici value discovery is in loss
I can take moderate risk. And i want to invest for minimum 3 years so i am not sure where to invest..
Hi,
Considering your investment time frame and objective, you may create one more STP from ICICI liquid fund to ICICI balanced fund, can consider investing in one Short term debt fund for next 2 to 3 years Ex - Franklin Low Duration Fund.
You may consider investing some portion of your lump sum corpus in options like Secured NCDs, Company FDs with high credit rating etc.,
Kindly read :
https://www.relakhs.com/debt-funds-types-benefits-risk-vs-return/
https://www.relakhs.com/best-ncd-debentures-bonds-issue/
https://www.relakhs.com/best-company-fixed-deposits-fd-schemes/
https://www.relakhs.com/list-of-best-investment-options-schemes-in-india/
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