HI sir,
I have gone through the details of your blog and found very useful. Really appreciating for such valuable information on financial investments. Request you to guide me on the below investments.
- I want to invest Rs.5000 monthly in SIP , for long term purpose.(10 years)which fund I need to select for good returns.
- Also want to invest INR 5000 , for short term requirements (3 to 5 years) , then which option will be better , SEP or SIP. Also suggest the best fund / Stock as per your view.
- If we want to invest any lump sum amount apprx.1 lakh for period of 5 years , please suggest any other options where we can expect good returns than traditional FD.
3 Answers
Hi,
Glad you find my blog posts informative and useful! Thank you!
1 - You may select a multi-cap fund. Ex : Franklin India Equity or Aditya Birla Equity etc.,
2 - Do you need this money mandatorily after 3 years? Can you afford to take risk on this investment?
3 - Can you afford to take risk on this investment? or Safety of capital is your priority?
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Hello SIR,
Thanks for the suggestions made,
1) Will go ahead for multi-cap fund as advised
2) For 3 years Monthly Investment plan we are okay for HIGH RISK AND HIGH RETURNS
3) For lump-sum Investment – we are okay to go for 50% for High risk and High returns and 50% on standard growth (crux not to loose the principle / capItal )
Kindly advice
Hello SIR,
Thanks for the suggestions made,
1) Will go ahead for multi-cap fund as advised
2) For 3 years Monthly Investment plan we are okay for HIGH RISK AND HIGH RETURNS
3) For lump-sum Investment - we are okay to go for 50% for High risk and High returns and 50% on standard growth (crux not to loose the principle / capItal ) Kindly advice
1) Will go ahead for multi-cap fund as advised
2) For 3 years Monthly Investment plan we are okay for HIGH RISK AND HIGH RETURNS
3) For lump-sum Investment - we are okay to go for 50% for High risk and High returns and 50% on standard growth (crux not to loose the principle / capItal ) Kindly advice
Hi,
1 - For short term goal , you may consider investing in a Hybrid Fund + Short Term Debt Fund.
Ex : HDFC Hybrid Equity Fund, Franklin Low Duration Fund etc.,
(Do note that Equity Hybrid Funds are risky but not may not be as risky as regular Equity Funds)
2 - For Lump sum, you may create an STP (Systematic Transfer Plan) for say next 2 to 3 years and remain invested for 5+ years. Ex : HDFC Liquid Fund -> STP -> HDFC Hybrid Equity Fund.
Some portion of your lump sum amount can be invested in Bank FD, Secured & highly rated NCDs or Ultra Short Term Debt Fund.
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