Suggestions needed on Mutual fund investment in SIPs

Hello Sreekanth, You articles are very informative and a good starting point for financial planning. I appreciate your efforts and the time you spend daily in answering our queries. I follow your articles and also read all your replies for the queries which are posted. Nowadays, Relakhs became my daily visit site for some updated information about investments or financial planning. Keep up your good work. And after reading your articles, I realized the importance of term insurance and mutual funds SIP investments. So, I had started investing in below funds and planing for a term insurance in near future:- 1. Birla SunLife MIP II-Growth(D) - Short term 2. HDFC Balanced Fund-Growth(D) - Medium Term 3. SBI Bluechip Fund-Growth(D) - Long term The allocation ratio to above funds was 50%, 33% and 16% as of now. Now, I want to increase SIP amount on all above listed funds. Is this the right time to increase SIP amount considering my time frame on those funds or do you want me to wait for a lump sum allocation, when the market falls? And also want to add below funds to my portfolio and need your suggestions on the same. 1. Tata Balanced Fund-Growth(D) - for Long term Noticed that recently the fund manager was changed for this fund. Is this a good time to invest in this fund or do you suggest some other fund for long term instead of Tata Balanced Fund? 2. Mirae Asset Emerging Bluechip Fund-Growth(D) - Medium Term (5-7 years) As the markets was so high, is this a right time to invest in this mid-cap fund? 3. Arbitrage Fund: I want to accumulate some emergency fund and have decided to invest in an arbitrage fund after reading your article regarding Tax benefits. I am also planning to invest in an RD to accumulate emergency fund and my ratio to RD and artibrage would be 50:50 ratio. Can you suggest an arbitrage fund with low risk and decent returns. Want to invest in this fund for two years. Finally, In this falling interest rate scenarios what would be your pick between Arbitrage fund vs Gilt fund considering two years time line. Thank you. ~Rama Krishna (adsbygoogle = window.adsbygoogle || []).push({});