Top investment options in india 2013

Each year I try to focus on what next in investment domain. I have covered top schemes of Equity as well as Debt funds so that you can think of building a proper portfolio.

Best Tax Saving Mutual Fund — ELSS Before we leap same old age word of wisdom. Do not get carried away by simple past performance Oh!

If you consider past performance you will not consider investing in equity funds. Decision to invest should only be taken:. This year we have added few more filters. I have considered Rs Crore as minimum fund size for equity funds. So this is a test of whether a fund has achieved a better performance than its Beta would suggest: I have avoided funds if there is change of fund manager in last 1 year.

Read — What should investors do with Fidelity Funds? This may help you in gazing consistency of these funds. Also download equity fund factsheet from end of the post. Filtering Criteria of Balanced fund are similar to diversified equity funds — only change is I have considered funds with asset size above Rs Crore. You can also read this article — Balanced Mutual Funds — best of both worlds. You should also read — Secret of achieving high returns.

Mutual Fund Investments are subject to market risks. Do you believe in - An apple a day keeps the doctor away? Similarly, TFL Guide is your weekly apple, keeping you financially fit. Subscribe now and get Basics of Financial Planning E-Course FREE. I am a regular reader of ur blog and try to follow ur suggestions. As usual this is a great article for financial planning. I request you to write something about year end TAX planning if possible for salaried people.

It would b really helpful. One basic question……what is the difference between ELSS MF say ICICI Prudential Tax Plan vs Pure MF say ICICI Prudential Focused Bluechip Equity apart from 3 years of lock-in period and tax advantage for the ELSS? Hi Hemant, Thank you for your time to guide us. I have gone through the list of funds you have researched. I need some advice from you. I have 5 SIPs listed below: HDFC Top Fund — Growth HSBC Tax Saver Equity Fund — Growth ICICI Prudential Dynamic Plan — Growth Reliance Regular Savings Fund — Equity — Growth Sundaram Select Midcap — Growth I am investing Rs for each every month that goes to Rs I am thinking of putting in some more money in SIP about Rs I was confused, shall i put my money in ELSS, Equity, Midcap or in Liquid MF plans, Fixed Maturity Plan FMP , Monthly Income Plan.

Should i go for these Liquid MF plans, Fixed Maturity Plan FMP , Monthly Income Plan??? Thank you in advance for your patronage. This is for my daughters future education. I modified my MF portfolio based on the recommendation from your website.

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My current portfolio as it stands today: So far, the returns are good. Do i need to do any changes to my portfolio? Dear Hemant, thanks for converting a financial illiterate like me to semi-literate. I am religiously following your site for 8 mnths now.

Earlier I had put bulk of my money in endowment plans. After you opened my eyes, I have redeemed them all. Now I try to follow these: You are one of the persons who have made a difference in my life. Keep up your awesome work. Sir, I did not mean frequent changes in portfolio. Dear Hemant, nice article to start off the new year.

HiHemant, Thanks for guiding and enlightening users like me. It feel great to read your articles and helps us in understanding the financial planning. I have been a regular visitor on your blog site and must say I have learnt a lot!!!

I am little puzzled by this: Understand what you are saying but a rear-view is the only view available. One cannot get carried away but one does need a foothold to start.

Hi Pattu, Why you are feeling I am frusted while writing these sentence — in first bracket what I have mentioned is on lighter note because people are not investing in equity due to recency effect. I would be if I was pro running a finance blog, because to me there are only two to get your financial life in shape:. There is no middle path. Well there is, it is called free advice. Besides being bad manners especially when directed to a professional like you, it is extremely dangerous to ones financial life.

Nicely put up Hemant. Could you suggest if an individual have the investment horizon of say 10 years through SIP then out of UTI equity G and UTI opportunity G which one should be looked good in terms of fund appreciation. Hi Hemant, I had 3 questions for you: If we do additional purchase on existing SIP, will folio no remain same? Can we increase SIP amount without first stopping existing SIP?

Over a period of ten years it is not possible to predict the performance of a fund. You have to keep tracking the performance of your fund. Hi Hemant, I am a 27 years old single person. My take home salary is rs. Recently i started investing in MF via SIP. My investment horizon is long term. My portfolio is as follows Sbi emerging businesses Uti opp. Do i have to make any changes to it? Please help by giving your feedback.

Thanks for the reply Anilji. I am thinking of adding one multi cap and one small cap fund to my portfolio. What do you think about? Reliance regular saving, Quantum long term fund And Idfc premier fund A. I also have a query about Reliance equity opp. Fund Is it a diversified equity fund or a small and midcap fund.

I am confused because some site mentioned it as a div. Anilji, thanks for the reply. But i am still confused about the diversified or small and midcap status of the Reliance Equity Opp. Diversified is a broad category under which equity funds of all market caps come. Category of the fund based on market cap keeps on changing with change in fund portfolio.

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Hi Hemant I have been looking forward to this article. You seem to have read my mind. I am invested in many of the funds included in this list for the past three years. Performance of some of these funds has been dismal during I am glad that I persisted with them and my patience seems to have paid now. Hi Hemant has been a complicatd year. It is strange that it has been very bad for the economy but quite good for the investors. The end of was a low point for mutual fund investments.

Going forward mutual fund investors have more reasons for being hopeful of Dear Sir, It is observed that in first year the returns are maximum and then subsequent years they are less. Dear Srikant, the returns from mutual funds can never go up in a linear fashion. It zigzags according to market performance. No that is not the point. I have seen every where in the performance chart of the mutual funds that first year the returns are very high then in subsequent years is diminishes and hence the query.

Is it means that one should keep in mutual funds for one year for best returns.? Refer to the one year rolling return chart given above. Returns are different for different years depending on market conditions. Sir, the reason for your assumption is that was good overall for equity funds.

So one year return was good. If you had seen this post one year earlier, you would have noticed that one year return was mostly negative, as was bad overall bad for equity funds. So your thought is flawed.

But the longer you keep equity, the less risky it becomes. The returns are given for 1st year,3rd year,5th year,which can be for any year and not necessarily means for different Mutual funds. Hi Shrikant, I am not sure why there is any confusion — these tables are created on 2nd Jan I want to share with you that despite of reading quality content of your website I made a mistake recently. I just out of curosity traded in commodity, wanted to learn how people make money by trading in various commodities.

So I am glad. Thank you for the guidance. Looking forward for your post on year end tax planning for salaried ones… All the best!! My current age is 30 years, married and i have 2 years daughter. I want to invest for long long term to gain maximum benefit. Following is my portfolio. I want to stop SIP of ICICI Infra fund and Reliance Vision Fund and want to invest in UTI Opportunity fund p. Is it possible to increase SIP of Reliance equity opportunity fund without stop previous SIP?

Should i continue to invest in other funds or any changes require? Hi Kawardeep Singh While selecting the funds all you have to do is to avoid a handful of really bad funds which can be easily identified by comparing the performance of the funds with index and peers. You can select your funds from the ones given in this post. For proper diversification do not select more than one fund from a fund house.

Your decision to get rid of Reliance and ICICI fund is correct. You can go for additional SIP in a fund. Thanks for your Mr. Anil Sir please comment should i continue with all other funds other than ICICI Pru infra fund and Reliance Vision Fund? You have started the New Year with an extremely useful article. Although I have invesment in some of these TOP Funds. Hi Hemant , Greetings from DR Shailesh.

How to go about rebalancing — how much sip in equity and debt in the following year 2. There is always some amount of flexibility in asset allocation. It can never be rigid and it is always subject to change due to several factors. Portfolio should not be rebalanced unless there is a drastic change in asset allocation.

Hello Hemant, Another great analytical article. This will serve as baseline to invest in MF: Thanks for your help.

HI happy new year…please comment about my fund selection: HDFC Children fund investment FT Franklin india blue chip growth UTI dividend yield fund growth Reliance growth fund growth plan HDFC Growth fund growth. Thanks Hemant, really a good article nd very informative.

Realy you doing a briliant job. Thanku once again nd happy new year. A special mention of SBI Emerging Business fund is required as it was able to contain downside in and excellent returns in Mr Srinivasan as fund manager has done excellent job.

I really feel obliged for your financial lessons. I am a regular investor in various MFs throuh SIPs. Time permits please tell about Fixed Maturity plans, I ve curiosity to know.

What ll be its special advantages over other instruments. I ve sufficient Term insurance plan, free Medical facilty from employer for self and family, Provident fund and superannuation fund with employer,Fixed deposits for liquidity, 6 MFs through Sip includindg Gold fund, still i ve srplus which i can invest somewhere , kindly suggest.

Dear Hemant, Excellent analytic article on MFs and will guide many like me. I have never invested in mutual funds,but I think I should as delivery and intra-day tends to get risky at times. Thanks for the post!

Hi Hemant, Thanks a lot for this great article. In the article, you have mentioned that you have considered Rs Crore as minimum fund size for equity funds. Axis Long Term Equity-G -Tax saver Asset Since you are already aware of my views there is no point in repeating them. Your portfolio does not make any sense to me.

I am afraid, I have investments in some funds like Sundaram Global Advantage…which is far less than crore, though it is a decent fund when it comes to returns. So should I stay invested or should I stop my sip? Thanks for this article right at the start of the year. I am very new to investing in MF. Will start investing this year onwards. The funds mentioned above and any so in future, how long should one continue to invest in a particular fund, keeping in mind that one has long term goals to meet.

Can someone stop investing after 5 years in a particular fund but redeem it only after 10 years? What is a good methodology to maximise the returns? One should continue as long as the fund is doing fine and there is money to invest. You can stop investment and redeem any time. SIP is the methodology. Hi, currently iam investing on followong funds through SIP. Can i continue or modified the portfolio. Mutual funds through SIP HDFC Top — HDFC Equity — Fidelity Equity Fund Growth Franklin India Prima plus — Growth ICICI Prudential Dynamic Plan Growth DSP Blackrock Top Equity Fund — Other investments AVIVA Child plan — ULIP per month AVIVA Term insurance pa for LIC Traditional insurance — pm.

I am planning to invest in the following 3 MF. SBI emerging buisness 2. ICICI Prudential FMCG Fund Is it k? Or do i need to make any changes in it?

I have been with TFL for almost 3 yrs and your article,analysis and comments has helped to understand the practical functioning and expectations to be set while investing. I cant say thank you to u and Anil sir but just wanted to share the credit which i got and all the benefits reaped by us are due to u and Anilji. My best wishes for both! Please explain what is 1m, 3m, 6m, 1yr etc… Does that show expected returns starting from Jan ? I am looking at a return of approx 10 lacs after 5 years.

I have short listed on 4 funds to invest in as SIP every month for the next 5 years. Please provide your feedback for the same. Franklin India Bluechip-G — Rs. Is there any risk to open those fund through online? Dear Sir, Thank you very much for all your posting. I am planning to invest monthly in sip for 5 years HDFC top rs.

You can directly approach fund houses. Your fund selection is OK. Thank you very much for your reply. I came to know now market is very high ,so i want know is it good option to invest in sip HDFC top rs.

I want to know is it secure and good option to invest in mutual funds directly through fund house ,with out having a demat and trading account? Thank you in advance. Do not try to time the market. All times are good for investment.

Most of the investors who invest in mutual funds do not have a demat account. Hello folks, I have few questions on my Financial situation and require your inputs on the same. Aged 30 yrs, male, married and kid of one daughter of 1. I just started with 02 mutual fund HDFC top and HDFC equity of Rs. How I should invest moving forward? What should be my time frame for those investments? How i will build corpus amount down the line after 02yrs, 05yrs, 10yrs, 15yrs and 20yrs.

Please provide me a balanced portfolio. Thanks always for reading and guiding…!! You have not mentioned anything about your income and savings. Firstly you have to clearly identify and quantify your financial goals. Then you have to make a financial plan by matching your resources with your goals based on time frames and priority. You have to go for debt for your short term goals and equity for your long term goals. Investments have to be properly diversified to reduce risk.

Investing in similar funds of the same fund house does not make any sense. Anil Kumar Kapila for your valuable inputs on my question and i believe, thats why I am asking you all to show me the correct path and provide me with a plan which will suit me in long run.

My Thoughts on inv plan for a sal of 10L yearly whose monthly exp. For my long term goal like Daughter education, marriage and Retirement, requesting you to kindly provide a plan where I can invest those money in equity. May be I will start little while from now, however, I will know where i am investing. I will surely give a thought on diversifying the investments, please guide. For meeting your long term goals have a diversified portfolio of equity mutual funds.

Have a maximum of four or five funds of different categories in your portfolio. Not more than one fund of a fund house should be selected. Monthly SIPs work best. I have started investing through SIP since in the following funds: DSPBR Top Equity 2. HDFC Balane Fund 3. IDFC Premier Equity Fund 4.

ICICI Pru Focussed Bluchip Fund 5. My target is for 5 to 10 years duration. Should I stick to these funds? How much return can I expect after 5 to 10 years? For most of the mutual funds mentioned here, returns for 1yr are high as compare to 3yrs. I would like to know what tenure should we select in this case for investment — 1yr or 3yrs?

Hi Deepali Investment in equity mutual funds is done to meet your long term goals. Hence the tenure should be long say more than five years. Hi Sir, I am 26 yrs. I started my career now and started my investiment. I am planning to buy flat next year, by that time i need money for down payment. Please suggest me the best options to help achieve my goal. As per your article and other advises from around me i want to start investing in MFS with a small SIP Rs.

Hi Sir, I am a new investor. Dear Hemant, I need one serious advice. Recently i lost my younger brother at the age of 45years. Please specify which scheme and MF and tell whether can i achieve this? You can select two or three diversified equity mutual funds for your portfolio. Keep tracking the performance of your funds after starting your SIPs. Hi, I am 50 yrs old and new to this MF investment. From the list provided by you, I have selected the below funds to invest through SIP for 3 years with Rs.

Can you please suggest whether I can proceed with the below list or should change any. Hi, As already stated, I am 50 yrs old and new to this MF investment and as suggested by you that I have selected too many funds, I have modified my selection as below funds to invest through SIP for 3 years with Rs.

Can you please suggest whether I can proceed with the below list or should change any fund or change the amount. DSP BlackRock Top Equity Regular — Birla Sun Life Frontline Equity — Franklin Templeton India Income Builder Plan A — SBI Magnum Gilt Short Term — You have mentioned the duration of SIP as only three tears.

From your selection of funds your objective of investment is not clear to me. I am in a impression that, the SIP can be enough if we invest for 3 years.

As I already told you that I am new to this MF investments, please guide. Investment in mutual funds is done to meet your long term goals. Before designing your portfolio the objective of investment must be clear to you. Investment portfolio is not an end but means to achieve your goals. Can I open DSP BlackRock Top Equity Regular,Birla Sun Life 95 through axis,hdfc,sbi bank? Recently, i passed my college. What should be the ideal bifurcation of the total SIP amount.

Thanks for the reply. Hai Hemant The article is very informative and really helps a person like me to know How a SIP works. I am 34Yrs old and I would like to invest in SIP, iam new to it. Will you please help me or suggest me in which I could invest. Where to contact in Mysore. Waiting for your valuable comments. You can start with a balanced fund.

Proof of address and identity is needed for KYC compliance. Hence PAN Card will be needed. Fund house can be approached for investment. I have a Endowment Fund in Birla Sun Life Insurance with the Rider option.

The fund is SUPER 20 with majority of the amount going for equity. Policy term is 20 years and 5 paying years and I have paid premium for 3 years sofar. I took the policy from a relative and had no idea about funds, now when analysing the performance from Dec the return is very poor. There is an option to diversify the funds among the other Birla funds, how should I diversify the funds among equity and debt we need good returns featuring child education 2 year child , retirement age is 30 as if now.

I am confused whether to continue the same fund or shd I diversify the funds to achieve the goals I have stated. Hi Hemant, I am new to SIP. After reading some of your articles, I have decided to invest in SIP.

Really speaking your articles are eye opener for me. Based on your advice and proposal, I have come up with my portfolio:. DSP BlackRock Top Equity Regular HDFC Equity Reliance Regular Savings Equity SBI Emerging Businesses-G UTI Opportunity ICICI Prudential Focused Bluechip Equity This investments are for my daughter college and marriage and my retriement.

As I am starting my inestment, I am planning for one year to start with. Pls advice on my fund selections and amount sharing amoung the funds will help me to acheive my target. I want to invest Rs in SIP. Please tell me the future of fund as till date its growth is -. I have invested in SBI emerging mutual fund and SBI Pharma fund SIP monthly Rs.

Please let me know is it OK. Which will be more beneficial? Dear Anil Sir, I am not yet clear. Investment in equity mutual funds is done to meet your long term goals.

The mix of equity and debt that is right for you depends on how far you have to go and how fast you need to get there. Dear sir, Am investing Rs. My portfolio is as follows Hdfc top — Rs. Kindly give your feedback. I have SIP in following funds: Should I switch to another fund in the same category?

Please suggest some funds , if yes. My sip is 2 yr old. Dear Anil, I am planning to start SIP from April as below. Can you please advice whether the selection is good or some to be modified. HDFC Top — Rs. Intresting article s and discussions. It shows that the awarness of the investment is on an increase.

Just a comment — For a NRI account holder do you think that instead of investing in Debt fund it will be better to have a fixed deposit where the interest rates are around 9. For the felxibility either the deposits canbe of various tenure or the totla deposits canb ebroken up to various small ones whihc can be cashed whenever requied. Dear Sir, Kindly advise me regarding HDFC SAP and LIC Policy. I am confused after reading your articles. Should I keep paying for these two policies or should I stop paying.

Waiting for your reply. Thanks and regards, Sangeeta. Beniwal, This year I have closed and claimed Additional amount of Rs.

Please guide whether I am required to pay additional Income Tax if I club both the income as per IT Rules?? Income under the head Salaries , Total tax payable 41, Opening Balance as on 1st Apr , Add: Interest for April to July 8.

Income Tax 7, Net Payable , I have some queries. I am 39 years , my net sal is 75k, My expenses are 35k, I do Recurrring Deposit of 15k.

I want to do SIP of 10k in the following funds……. Birla Sun Life Frontline Equity — 2k IDFc Premier Equity — 2k Reliance Equity Opportunity — 2k SBI Magnum Income Fund — 2k SBI Magnum MIP — 2k Is this correct with a horizon of 10 years? I wanted to have balanced fund and MIP also in my portfolio. What should I choose there? Should I go for HDFc Prudence for balanced? Then what for the MIP? I must say I have learnt a lot and many doubts got cleared. I was googling information on investments to create a portfolio for my husband and stumbled on to this site.

And based on recommendation and suggestions of Mr. Hemant, I have designed an investment portfolio for my husband 35 years old for the education of our new born child. Since I am an amateur and new in this area. I would really appreciate if someone can validate the feasibility of this portfolio of per month investment in following funds: Anil, I have actually followed the guideline of 7 funds.

I will drop Reliance Equity Opportunity and ICICI Pru Focused Bluechip Equity. Aged 45 years and i intend to invest k every year for around 10 years from now onwards for my retirement, since i dont have pension from my employer.

Dear Hemant I want to invest Rs. Read the below article to know how to create an investment portfolio http: As I have completed 50 years now and to plan for my retirement, I planned to invest in the following MFs. Request you to suggest whether I can go with these selected funds please. DSP Black Rock Top Fund — Rs. While you are planning to invest for retirement you need to answer questions such as how much volatility in your investments you will be comfortable with?

Are you planning to earn any regular income after a specific period? Is this will be the only source of your income or how much of this surplus you will utilized for generating regular income?. These questions will help you in analyzing what kind of portfolio you should look at.

Should it be equity oriented or debt oriented will result from such analysis which will also give you the schemes categories to select. Your schemes selections are good but create a portfolio after analyzing your needs. You can consider these funds if your investment horizon is around ten years. You could have managed with four funds.

I am 38 yrs old and as per your advise I am investing in the below mutual funds as monthly SIP for the past two years. HDFC Equity — Franklin India Bluechip — UTI dividend yield fund — SBI Emerging business fund — UTI oppurtunities fund — Reliance Pharma fund — Reliance Gold saving fund — Kindly suggest me if my portfolio is balanced in the current market scenario or should i change my asset allocation.

Reliance Gold saving fund is in negative for the past 7 months, should I continue to invest. I wanted to increase my SIP allocation by rs more, can you please suggest in which fund should I start SIP for this additional rs. It is better to invest only in one fund of a fund house. Additional amount can be invested in existing funds. In my portfolio reliance gold saving fund is suffering for long time guessing 3- 5 months and im holding it becoz of the fallen gold prices.

The way of investment is thru sip and the amount invested per month is for almost 1. Asset allocation is the key in investing. At any time some asset class will not do well. You have to consider the overall performance of your portfolio. Exposure to gold should not be very high.

Hemant, Even I have the same doubt as Mr. Infact, the amount of SIP and tenure is also same.

I am investing in HDFC Gold Fund. Please provide us some guidance. Performance of gold fund will depend on the price of gold and it is not possible to predict how the price will vary in future. Keep the exposure to gold low in your portfolio. I guess ur selection is good when compared to mine as i get hit when its low and i ride high when its vice versa where u could sail with a minimum return by banking with HDFC.

Thanks for the article, My question is during the asset allocation, how much percent should allocate for sector funds. In money control site its is come under large cap and other sites as large and midcap. Every rating company has certain parameters and within which they decide the categories.

Yes it can vary as the name of categories may be different. You should look at the fact sheet which will tell you the definition of a large cap and a mid cap fund. The portfolio of the respective scheme will give you information on the exposure the fund is taking in different stocks and how they are classified as per the definition of large cap or midcap. Hi Sir, Is it worth to invest in Mutual funds by seeing the past trend? So whether to invest in MFs when the sensex is in high time now?

I have a complete faith on equity returns and my target is to have 10 cr after 15 years and my MF SIPs are: Please advise whether my portfolio funds are good and sufficient enough to achieve the goal of 10 cr in next 15 years or not?

If not, then what should the suggested portfolio and Fund mix? Hi Saikat, You should check http: I want to open SIP in a mid cap i. Quantum Long term equity fund for years. In accordance to volatile market ;Please suggest which option would be better: Fortnightly SIP or 2.

Hi, I wan to start SIP for my daughter who is currently 3 yrs 4 months old. Please suggest some good funds that could fulfill my following requirements: Hello sir, My age is I want to invest Rs. Please suggest me the funds, I should invest in. I am already investing in SBI PSU fund and rs in Birla sunlife ins.

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Please also suggest, shall I continue SBI PSU fund as the rates have gone too low. What are the chances of recovering of this fund. Hi sir, My one friend invested in Reliance mutual fund, he is very satisfied with good returns so i am also planning to invest 50, Rs.

Hi, I wan to start SIP for my future. My age is 24 now, I want lakhs after 5 yrs. Please suggest some good funds. Hello sir Iam new to sip , Iam doctor, I want to invest in sip for 10 years ,Rs. I further want to invest in sip , I have shortlisted few funds , please guide me to select 3 of them. I am middle class person so i didnt understand in any investment can u guide me?

How i can contact to you? Hi, After looking at the last three year return for DSPBR Top equity and ICICI Prudential Bluechip , is it advisable to switch from DSP to ICICI?

Or till now whatever invested in DSPBR leave it as it is and then start new SIP with ICICI bluechip. Choosing to exit from any fund is a decision which you should make after analyzing well on various parameters.

If one scheme has not performed inspite of its peers doing well then it may be a reason to switch. But good to find out what made its under performance so that you know about its prospects to do well. My age is 28yrs. Below is my portfolio and doing SIP Growth Option from Nov 11 when it was from Regular mode which I converted them to Direct Plan for avoiding any charges.

I have stopped SIP in HDFC top and DSP Blackrock Top Equity Fund from April 14 onwards as replacement of HDFC balanced fund and UTI opp fund. I have Kotak Term Insurance of 25 Lac with 5 lac of Aegon Religare Health Insurance. Also have LIC Money back Policy of 50k. Also investing in PPF for saving purpose. Please review my portfolio and advice any changes required and whether I can add International fund and Pension Plan ie Templeton India Pension Plan with NPS.

Request to please review my portfolio as provided above and suggest any changes required. Hi, I am investing into SIP frm last one year and now i want to revisit my portfolio once again in order to ensure if there is any MF SIP Plan which is not performing well should be switched out or to continue with the same.

Scheme Starting Date Monthly Inv. When would you revise this list. Yes, separate recommendations for people above 55 and also for those above 70 years would be welcome as long as the list of best Mutual Finds is also updated and made to meet the financial aspirations and expectations from the policies of the new Govt.

Currently i am working at a soft company with take home of 35k pm. I have remaining 10k in my hand. ICICI Prudential Focused Bluechip Equity — Quantum Long Term Equity or uti opportunities — Reliance Small Cap Fund G or DSP-BR Micro Cap Fund — RP G or or hdfc mid cap opportunities or uti mid cap — hdfc balanced fund or hdfc prudence fund — Are My understandings correct?

For tax saving ELSS for 5 years SIP Any 2 from the below 1 Reliance tax saver 2 Quantun tax saving fund 3 Axis long term equtiy fund. Want to also invest in MIP mutual fund plan can u plz suggest me which one is better from the below SIP Also plz suggest me which is the best ETF to buy for creating healthy gold wealth will be purchasing a ETF every month for 5 years. Notify me of followup comments via e-mail.

Notify me of follow-up comments by email. Notify me of new posts by email. LIC Flexi Plus ULIP Review — Not So Flexible. Site designed by ThesisCustomizationservice. Best Tax Saving Mutual Fund — ELSS Before we leap same old age word of wisdom. Decision to invest should only be taken: In congruence to your financial goals.

As per your risk appetite. As per asset allocation process. Fund Size I have considered Rs Crore as minimum fund size for equity funds. Fund Manager Tenure I have avoided funds if there is change of fund manager in last 1 year. Last year performance of Equity Funds — Category Wise 10 years performance of Diversified Equity Funds 1 year rolling chart of Diversified Equity Funds Best Mutual Funds to invest in — Large Cap Best Equity Large Cap Funds 1m 3m 6m 1yr 3yr 5yr 10yr ICICI Prudential Focused Bluechip Equity 0.

Best Mutual Funds to invest in — Balanced Funds Filtering Criteria of Balanced fund are similar to diversified equity funds — only change is I have considered funds with asset size above Rs Crore. Best Balanced Funds 1m 3m 6m 1yr 3yr 5yr 10yr HDFC Balanced 2. Best Mutual Funds — Income 1m 3m 6m 1yr 3yr 5yr 10yr Birla Sun Life Medium Term 0. Subscribe for TFL Weekly Guide Do you believe in - An apple a day keeps the doctor away?

Prabhu January 3, , Hemant Beniwal January 3, , 2: Thanks Prabhu — if you like it must share it with your friends. Rajiv January 3, , Hi Hemant, I am a regular reader of ur blog and try to follow ur suggestions. Hi Rajiv I will try to add that next week. Rajiv January 9, , Tahseen Khan January 3, , ANIL KUMAR KAPILA January 5, , 7: Selection of funds is based on the objectives of your investment. Dear Sir… i recently see your sectorial fund……it was really great….

Dr Kuntal January 3, , 8: Frequent changes in portfolio are not required.

Dr Kuntal January 6, , 2: Shreedhar January 3, , 9: Dear Sreedhar, i compleatly agree ur view …bt hemant sir hav choose his selecyltion crieteria…. Sunil Kumar Shishodia January 4, , If you consider past performance you will not consider investing in equity funds Understand what you are saying but a rear-view is the only view available. Hemant Beniwal January 4, , 4: Sorry, that was the feeling I got.

Glad that you are not frustrated. I would be if I was pro running a finance blog, because to me there are only two to get your financial life in shape: Kuldeep Singh January 4, , 6: Dr Kuntal January 4, , 8: Yes to first two questions and no to third.

Maddy January 5, , 1: Maddy January 5, , 4: ANIL KUMAR KAPILA January 5, , 6: There are different categories of diversified equity funds. For proper diversification it is better to have funds of different fund houses. Maddy January 5, , Hemant, could you please give a detailed explanation for the above mentioned question. ANIL KUMAR KAPILA January 6, , 8: You can consider Quantum and IDFC funds. Maddy January 6, , 2: ANIL KUMAR KAPILA January 7, , 7: Yogesh Wavikar March 11, , Hi Hemant My comment seems to have vanished due to some server error.

Hemant Beniwal January 5, , 7: Sanjay January 5, , 8: Returns depend on market conditions. There is no hard and fast rule. Dr Kuntal January 5, , 6: ANIL KUMAR KAPILA January 6, , 7: Dr Kuntal January 6, , 7: Hopefully, your explanation will be understood. I MAY STATE THAT I WILL BE HAPPY IF I GET REPLY FROM THE AUTHOR.

Hemant Beniwal January 7, , 8: Kalpita Bijur January 5, , 9: Hi Hemant, I regularly read the articles you send with regard to Financial Planning. Could you please suggest me some good performing Tax-Saver Equity Funds for investments? Nishi January 5, , Kawardeep Singh January 5, , Kawardeep Singh January 7, , 9: ANIL KUMAR KAPILA January 8, , 7: IDFC Premier Equity is better than IDFC Sterling equity. R Varadarajan January 5, , SHAILESH January 5, , Thanks in advance in anticipation of your response.

ANIL KUMAR KAPILA January 11, , 7: Ankit January 5, , 1: Salil Dhawan January 6, , 2: Hi Hemant A special mention of SBI Emerging Business fund is required as it was able to contain downside in and excellent returns in You can invest in your existing funds if you are getting decent returns. Dhaval B Doshi January 6, , 1: Srinivas January 6, , 1: Ketan Gaikwad January 6, , Pankaj January 7, , A portfolio should have funds from different fund houses.

Kinshuk January 7, , 9: Also, please let me know some good global funds …. You can continue if you consider your funds decent. Poulami January 8, , Hi Hemant, Thanks for this article right at the start of the year. Mutual funds through SIP HDFC Top — HDFC Equity — Fidelity Equity Fund Growth Franklin India Prima plus — Growth ICICI Prudential Dynamic Plan Growth DSP Blackrock Top Equity Fund — Other investments AVIVA Child plan — ULIP per month AVIVA Term insurance pa for LIC Traditional insurance — pm pratap.

Pankaj January 8, , 4: Hi Anil, thanks for your reply. Arpit January 9, , 4: Madhavan January 13, , 2: ANIL KUMAR KAPILA January 14, , 7: Anand January 16, , 5: Hi Please explain what is 1m, 3m, 6m, 1yr etc… Does that show expected returns starting from Jan ? ANIL KUMAR KAPILA January 18, , 6: It does not show expected returns which can not be predicted.

These are past returns. Poulami January 17, , 5: Hi, I am looking at a return of approx 10 lacs after 5 years. Arnab roy January 26, , 4: HARIOM GURJAR January 21, , Dear sir, Thanks for suggested best mutual fund for ANIL KUMAR KAPILA January 26, , 7: Dear ANIL KUMAR KAPILA, Thank you very much for your reply. ANIL KUMAR KAPILA January 28, , 7: Dear Anil , Your answer is very much useful to me,and i am very much thankful for that.

Debojyoti Das February 1, , 8: ANIL KUMAR KAPILA February 3, , 8: Debojyoti Das February 3, , ANIL KUMAR KAPILA February 4, , 8: Bimal Das February 4, , 3: UTI Opportunity Fund My target is for 5 to 10 years duration. ANIL KUMAR KAPILA February 6, , 9: Deepali February 6, , I am new to this. Thanks and Regards, Deepali. ANIL KUMAR KAPILA February 7, , 8: Deepali February 7, , 8: Santosh February 8, , 2: Bhavik Merchant February 8, , 9: Am a first time investor in MF am 27 years married with a Kid and earn about 10 lacs per annum.

ANIL KUMAR KAPILA February 16, , 3: Arnab roy February 9, , Srinivas February 9, , 8: Sekar S February 10, , ANIL KUMAR KAPILA February 14, , 7: Deepali February 11, , Dear Hemant, Can you please provide information on Target Investment Plan TIP by ICICI direct?

Sekar S February 15, , 6: DSP BlackRock Top Equity Regular — Birla Sun Life Frontline Equity — Franklin Templeton India Income Builder Plan A — SBI Magnum Gilt Short Term — Thanks in Advance Sekar.

ANIL KUMAR KAPILA February 15, , 8: Sekar S February 15, , Dear Anil, I am in a impression that, the SIP can be enough if we invest for 3 years. Arnab roy February 15, , Any bank account can be used for mutual fund investments. N Bhawaani Rao February 17, , 4: Firstly I thanks to tflguide.

Mayank February 17, , 6: ANIL KUMAR KAPILA February 19, , 8: Mayank February 19, , 4: ANIL KUMAR KAPILA February 20, , 8: For diversification it is better to avoid the fund houses where you are already invested.

Mayank February 20, , ANIL KUMAR KAPILA March 5, , 8: Anuradha February 18, , 1: Behin February 18, , 1: Hello Sir I have a Endowment Fund in Birla Sun Life Insurance with the Rider option. Insurance and investment have different purpose and should not be mixed. Manohar February 20, , Based on your advice and proposal, I have come up with my portfolio: DSP BlackRock Top Equity Regular HDFC Equity Reliance Regular Savings Equity SBI Emerging Businesses-G UTI Opportunity ICICI Prudential Focused Bluechip Equity This investments are for my daughter college and marriage and my retriement.

Totally minimum 50 lak. Thanks for the help. Manohar February 21, , 5: Hi Hemant, Can you pls help to my request. If you need any more information, I will provide. ANIL KUMAR KAPILA March 3, , 7: Your fund selection is OK but you need to invest more to meet your goals. M G Venkatesha February 28, , For diversification it is better to invest in funds of different fund houses.

Chandra February 28, , 4: Equity is growth engine, debt is safety air bag and gold is lifeboat of a portfolio. Hemant Beniwal March 6, , 7: ANIL KUMAR KAPILA March 6, , 7: Bimal March 1, , 9: Equity and debt both are important.

Have proper asset allocation. Bimal March 4, , 7: ANIL KUMAR KAPILA March 4, , 8: Kevin March 13, , ANIL KUMAR KAPILA March 15, , 6: It is better to invest in funds of different fund houses for diversification. S K DUARAH March 20, , 4: ANIL KUMAR KAPILA March 22, , 8: You can select any large and midcap fund from the table given. ANIL KUMAR KAPILA March 26, , 8: Sekar S March 24, , 1: ANIL KUMAR KAPILA March 25, , 8: Sector funds are risky.

Insurance and investment should not be mixed. MALI March 25, , MOHAN March 29, , Income Tax 7, Net Payable , thanks in advance. ALI IMAM April 4, , 4: ANIL KUMAR KAPILA April 8, , 8: ANIL KUMAR KAPILA April 13, , 7: Selection of funds depends on your objective which is not clear. Ishika Sharma April 6, , 8: Your fund selection is good. You could have managed with even three to four funds.

Ishika Sharma April 8, , These funds are also quite good and can be retained. A GANESAN April 6, , 3: Of this , Rs. Jaydeep April 13, , This is a really helpful and informative article.

One question if you can pls. Dr Kuntal April 17, , 5: Basit April 18, , 2: Please advice me about the above selection to continue or change the script. Vikas May 5, , Hi Basit, Read the below article to know how to create an investment portfolio http: SEKAR S April 20, , 2: Dear Anil, As I have completed 50 years now and to plan for my retirement, I planned to invest in the following MFs.

Sekar, While you are planning to invest for retirement you need to answer questions such as how much volatility in your investments you will be comfortable with? ANIL KUMAR KAPILA May 21, , 7: Suresh May 3, , 2: Hi Hemanth, I am 38 yrs old and as per your advise I am investing in the below mutual funds as monthly SIP for the past two years. HDFC Equity — Franklin India Bluechip — UTI dividend yield fund — SBI Emerging business fund — UTI oppurtunities fund — Reliance Pharma fund — Reliance Gold saving fund — Kindly suggest me if my portfolio is balanced in the current market scenario or should i change my asset allocation.

Thanks always for your kind inputs and help.