Hello,
this is my first investment in mutual funds and i am planning to invest 50 lakhs in below mentioned companies. this has been suggested by a advisor based in Delhi. kindly review and let me know your inputs
Fund
3-Month Return
6-Month Return
1-Year Return
3-Year Return
5-Year Return
Tata Equity PE Fund
7.66
20.25
42.36
21.63
23.53
Kotak Opportunities
7.43
18.93
31.43
19.19
21.05
UTI Infrastructure Fund
9.26
21.8
34.76
11.8
16.04
IDFC Focused Equity Fund
10.82
23.05
28.23
10.45
14.05
DEBT
Tata Corporate Bond Fund
1.61
2.76
7.39
8.04
8.38
Kotak Low Duration Fund
1.82
3.34
8.66
9.07
8.8
UTI Floating Rate Short Term Fund
1.64
3.13
8.11
8.47
8.82
IDFC Money Manager Fund - T P
1.57
2.69
7.42
8.02
8.2
they suggested to invest 60% of investable surplus in below mentioned Equity funds and 40% in Debt funds. Over a period of next 2-3 months they will shift entire debt in to equity through STP route. This strategy will give portfolio boosting of equity and protection of debt during the volatility of the market.
i look forward for your suggestions.
7 Answers
hey, my aim is pure money making and i am looking about 4-5 years time frame for this investment. the person who suggested these said invest now in low performing funds and soon they will be on top which will result in great earnings,.
Hi,
If your investment horizon is around 5 years, besides Debt funds, you may consider Large cap & Balanced funds.
You may avoid TATA PE Fund & UTI Infra funds.
There are better funds than IDFC Focused fund under Large cap category.
Kindly read :
https://www.relakhs.com/best-mutual-fund-schemes-2017/
https://www.relakhs.com/best-mutual-fund-scheme-risk-ratios/
Thank you for responding, i have modified my plan now and have confirmed this
Lump sum – Rs. 25,00,000/-
BlackRock Dynamic asset allocation fund – 10 lacs
Mirae Asset Prudence – 10 lacs
UTI Income Opportunities Fund – 5 lacs
SIP of Rs. 35,000/-
1. ICICI Value Discovery fund – Rs. 20,000 monthly
2. IDFC Premier Equity Fund – Rs. 15,000 monthly
what are your thoughts now ?
Lump sum – Rs. 25,00,000/-
BlackRock Dynamic asset allocation fund – 10 lacs
Mirae Asset Prudence – 10 lacs
UTI Income Opportunities Fund – 5 lacs
SIP of Rs. 35,000/-
1. ICICI Value Discovery fund – Rs. 20,000 monthly
2. IDFC Premier Equity Fund – Rs. 15,000 monthly
what are your thoughts now ?
Hi,
The above mentioned Mirae & DPS balckrock funds are relatively new ones, given a choice, I may pick other funds in those categories.
There are better funds in mid-cap category, I will avoid investing in IDFC Premier fund..
got it, thanks for your suggestions. i have one more big question. do you suggest me to buy mutual funds directly from amc website or should i route it through a agent based in india ? a friend of mine told me if i buy directly from website then i can get better returns. he said for sip there is no need of any agent but for lumpsum you can hire a advisor who can move your funds in right time. what do you suggest ?
Hi,
For SIP or lump sum investment, you can easily invest in mutual funds (if you have the expertise to identify good funds that meet your requirements).
You can buy through AMC websites or MF Utility online platform (or) through some Pvt online platforms.
For lump sum investments, you can set up STP (Systematic transfer plan) wherein you can first invest in debt funds (like Liquid funds) and then systematically can transfer fixed amount regularly (like monthly) to Equity funds.
Kindly read :
https://www.relakhs.com/direct-mutual-fund-plans-buy-online/
https://www.relakhs.com/mutual-fund-direct-plans-vs-regular-plans/
https://www.relakhs.com/mfutility-invest-direct-plans-mutual-fund-schemes-online/
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