Hi Sreekanth,
I have a query on the options that we have in today's market scenario and interest rate scenario.
I want to invest lump sum amount (like fixed deposit) for a specific period (2-5 yrs). Interest rates are on downward trend and after this demonetization from govt, expectation is that interest rates may fall further. Considering following about myself, can you suggest options (with pros and cons) available:
- I am looking for safe investment options. Tenure is not a problem.
- I am in 30% tax bracket
- I want to invest lump sum amount
- I am already investing around 10K a month in Mutual funds (This includes large cap, small and midcap, balanced fund-equity)
2 Answers
Hi,
Mutual funds whether Debt oriented or Equity oriented are subject to certain types of risks.
Is your requirement, safe & guaranteed returns??
Kindly go through below articles;
http://www.relakhs.com/mutual-funds-subject-market-risks/
http://www.relakhs.com/list-of-best-investment-options-schemes-in-india/
Hi Sreekanth,
Yes i am looking for safest investment options. I am already investing in equity mutual funds. For lumpsum investment my intention is to look at safe options. Currently banks are offering 7.25% ROI and considering that i am in 30% tax bracket, post tax return of my investment would be 5%. So, it is as good as having 4% of saving bank interest. Also, it is expected to have further rate cuts going forward. Please advise considering this aspect. Tenure is not a problem for me.
Hi,
If you understand the risks associated with Debt funds then you may consider investing in one Dynamic Bond Fund & one aggressive MIP (Growth option) fund.
Kindly read:
http://www.relakhs.com/best-debt-mutual-funds-india-top-debt-funds/
http://www.relakhs.com/best-monthly-income-plans-india-mutual-funds/
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