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Top10BestMutualFundstoinvestin
Indiafor2015
December12,2014byBasavarajTonagatti 233Comments
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Themarketlooksverypositiveandallequitymutualfundsshowinghugereturns.Sowhichonetochoose,
thosewhoareconsistentorthosewhichgiven60%to70%returninthisboomingmarket?Letusshortlist
thefundsforyourinvestmentinmutualfundsfor2015.
Beforeproceeding,lastyearIwroteapostBest10MutualFundstoInvestinIndiafor2014.Soletusreview
howthosefundsareperforming.Thenweproceedtothisyearschoice.
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NoteAllvaluesaretakenfromvalueresearchonlineandvaluesareasoftoday.
HowIamselectingfunds?
Ifirstshortlistedfundscategorywise,likelargecaporlargeandmidcaplikethat.
Fundsmustbeatleast5yearsold.
AUMofthefundmustbearoundRs.1,000Cr,asitcreatesfaithamonginvestors.
Someothertechnicaltermslikeexpenseratio,standarddeviation,alpha,beta,SharpeorSortino.
Finally,myfaithinmutualfundcompanyanditsbusinessmodel.
Ipickedthefundsbasedon5yearsaswellas10yearreturn.
Ihavenotgonethroughanystarratingstochoosethesefunds.
WhyIhavechosen10fundsonly?
Iknowlotsofushavewrongbeliefthathavingsomanyfundsacrossfundhouseswillactuallydiversifyour
portfolio.Itistotallyawrongconcept.Youforgettounderstandtheunderlyingstockseachfundholdingor
youroverallportfolioholding.Therefore,itcreatestosuchhugeriskthatourinvestmentmaybehighly
exposedtospecificsectorsorstocks.Inaddition,itisonemoremisconceptionthatfewgoonaddfundsfor
eachoftheirgoalsorfreshinvestments.Thisalsonotabetteridea.Instead,stick34fundsmaximumand
investinthem.Thiskeepsyourheadcool,simple,andeasytotrack.
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Best2LargeCapFundstoInvestinIndiafor2015
Ishortlistedthefundsandfoundthatthesetwobelowfundsaremybestchoice.Becauseoftheirexpense
ratio,lowerstandarddeviationtotheirpeers,higheralpha,lowerbetaandhighinSharperatioandSortino
ratio.
IstayedawayfromfewIndexfunds,whichhavealessexpenseratio,butAUMalsonotfitsintomycomfort.
However,ifAUMdoesnotmattertoyouthenyouconsidersomeIndexFundstoo.IstayedawayfromHDFC
Top200Fundonlybecauseofhigherstandarddeviationtoabovefunds.Otherwise,Istronglyadvocate
towardsthatfund.
Best2LargeandMidCapFundstoInvestinIndiafor2015
Whenyoucomparethisyearchoicestopreviousyears,youfindthatbothofearlierfundsmissing.Iremoved
UTIOppFund,becauseitmovedtolargecap.IremovedQuantumonlybecauseofICICIssuperior
performancecomparedtoQuantum(eventhoughQuantumclaimstobelessexpensivefund).
Best2MidandSmallCapFundstoInvestinIndiafor2015
HereyounoticethatIretainedRelianceEquityOppFund,butdiscardedtheIDFCPremierEquityFund.It
doesnotmeanthatIDFCFundisbad.However,theresultsinmyreviewwerealmostnecktoneckbetween
HDFC,IDFC,andReliance.IselectedHDFConlybecauseofitssuperiorityinhigheralphaandSharperatio.
Inaddition,whenyoulookatreturnwise,IfoundHDFCholdsbetterthanIDFC.
Best2BalancedFundsEquityOrientedtoInvestinIndiafor2015
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Iretainedthesameoldfunds,whichIrecommendedpreviousyear.Therefore,nochangeinit.
Best2TaxSavingMutualFunds(ELSS)toInvestinIndiafor2015
Hereagain,Ideletedonefundandretainedthepreviousyearrecommendedfund.IdeletedCanaraRobeco
onlybecauseIfeltlowalphaandSortinoratios.Also,comparetoabovetwofundsCanaraRobecoseemstobe
costlywhenweconsiderexpenseratio.
Dorememberthattoconstructaportfolioitdoesnotrequiretohaveafundfromeachcategory.Construction
ofportfolioagaindependsononesrequirement,risktakingability,periodofthegoalandmanymorethings.
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AboutBasavarajTonagatti
IamaCertifiedFinancialPlannerbyqualificationandcurrentlylivinginBangalore.Iam
usingthisplatformtospreadknowledgeaboutPersonalFinancialPlanning.Hopeyoutoo
joinmeinspreadingthisawareness:)
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Comments
RohitMishrasays
January12,2015at7:27PM
HelloSir,
Iwantedtoinvest30000rspermonthinSIP.Iamalreadyinvesting150000inPPF,50000in
insuranceand100000inBankFDannually.
Ihaveselectedbelowfund.
SNFundAmount/month
1ICICIPrudentialFocusedBluechipEquityFund(G)4000
2UTIEquityFund(G)4000
3BirlaSunLifeTop100Fund(G)4000
4FranklinIndiaSmallerCompaniesFund(G)2500
5HDFCMidCapOpportunitiesFund(G)2500
6RelianceSmallCapFund(G)2500
7UTIMidCapFund(G)2500
8FranklinIndiaHighGrowthCompaniesFund(G)3000
9RelianceEquityOpportunitiesFundRetailPlan(G)3000
10ICICIBalanceFund2000
Pleasesuggestiftheaboveselectingiscorrectfor10year.
AlsoIneedonebelowsuggestion
a.WhichoneisbetterBirlaSunLifeTop100FundorBirlaSunLifefrontlineequity.AswhenI
compared1,3and5yearreturnsBirlaSunLifeTop100FundhasalwaysgivenlittlemorethanBirla
SunLifefrontlineequity.AlsoisanyotherequityfundinlargecapwhichisbetterthanBirlafund
e.g.AxisequityorMiraeAssetIndiaOpportunitiesFundorHDFCtop200orBNPParibasorSBI
bluechip.Iamlittleconfusedasmoneycontrolashasgivendifferentratingforfunds
b.Isitrightdecisiontoinvestin4small&midcapfund?orshallIdistributethemamount(10000)
in23fundonly.
c.Ismymoneydistributionindifferentmentionedfundisright?Consideringmyotherinvestment
of3lakhsperannuminPPF,InsuranceandFD/debtfund.
Pleaseadvise.
Thanks®ards
Rohit
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Reply
BasavarajTonagattisays
January12,2015at9:43PM
RohitWhysomanyfunds?Pleasegothroughmyearliercommentsandabovepost.Youwill
findmyanswer.
Reply
JJsays
January12,2015at3:46PM
Sir,
Thanksalotforsharingthevaluableinformation.
Iwantedtoknowthebestpensionplanavailableinthemarket.IamworkinginITsector.
IhavetakenLICsretireandenjoy.Butseemslikeitsnotagoodplan.
Pleaseadviceusanyretirementplanforpaymentterm15years.
JJ
Reply
BasavarajTonagattisays
January12,2015at9:47PM
JJSadlyasofnowthereisnosuchBESTretirementplanavailableinInida.RetireandEnjoyis
thesuchanotherWORSTplantoname.
Reply
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Rahulsays
January12,2015at1:26PM
Sir,
MycurrentSIPsplitupof4500/monthisasfollows:
HDFCTop2001000/month
HDFCMidCap1000/month
UTIOpportunities1500/month
UTIMNC1000/month
IwouldliketoincreasemySIPinvestmentto10000/month.PleasesuggestifIcancontinueinthe
abovefunds.
IfsowhatshouldbemySIPsplitup.Also,pleasesuggestifIshouldexitfromanyoftheabovefunds
andinvestinanotherfund.Im30yearsoldandmyinvestmentperiodisforthenext20years.
Reply
BasavarajTonagattisays
January12,2015at9:55PM
RahulRetainHDFCTop200orUTIOppandIamnotbigfanofsectorfunds.SoImighthave
avoidedUTIMNC.
Reply
VIPINsays
January12,2015at10:12AM
HiBasavaraj,
Greetingsfortheday!
Appreciateyoursuggestions/advice.
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1.Ihavecurrently6lacRsinhandandsameineeditwithintimeframeof68months.Canyou
pleasesuggestmebetteroptiontoinvestthesame?
2.IamlookingforwardtoinvestRs10,00opermonthinSIP.Readytotakehigherrisk.Kindly
suggestbestonesuitedforme.
Age26Years
MarriedYes
Income5lac+
Regards,
Vipin
Reply
BasavarajTonagattisays
January12,2015at10:57AM
VipinForyourfirstquery,suggestyoueitheruseBankFDsorshorttermdebtfunds.Regarding
secondquery,mayIknowyouunderstandingofreadytotakehigherrisk?
Reply
Dr.S.Rautsays
January12,2015at12:19PM
sir,iwanttostartSIPinAxisMidcapG,DSPBRMicroCapRegG,HDFCEquityG,
SundaramSelectMidcapRegG,whatisyouropinion?Iamplanningtoinestforminimum10
years,sirwhatareyoursuggestions?
Reply
BasavarajTonagattisays
January12,2015at12:28PM
Dr.S.RautHowyouselectedthesefunds?
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Reply
Dr.S.Rautsays
January12,2015at1:57PM
sir,thesefundsaresuggestedbyagent,asiwanttoinvestonlyinequitywithrisk.
Reply
BasavarajTonagattisays
January12,2015at9:53PM
Dr.S.RautOnemorequestion Whatdoyoumeanbyrisk(Imeanaccordingto
you)?
Reply
VishalSaxenasays
January11,2015at11:09PM
HiBasu,
Gr8Jobbyyou..!!
SpreadingHappiness&MakingthemAwareinastraightandfairwayisoneofyourstrongest
traits..!!
Youradviseisdesiredforbelow.
A)
SIP:Forbothfund,Plannedas2K/Month,Horizon10Years(TotalInvestment480,000,
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ExpectedReturn1520%inyear2026anamountofprinciple+desiredretrun)
1.ICICIPruValueDiscoveryFundDirect(Growth)
2.ICICIPruDynamicFundDirect(Growth)
Mionarighttrack?
B)
WhatisyouradviseonFundPerformanceandDeliveryofReturnswitharateof1520%
1.BSLFocusedEquityFundSeries4(U/S80CCGofITACT)DIVREGULAR.
2.SUNDARAMWORLDBRANDFUNDSR21800DAYSREGULARDIVIDEND.
3.ICICIPrudentialGrowthFundSeries5DirectPlanDividendPayout
IhaveinvestedinabovethreeNFOswithavisionoffulfillingthedesiredreturn%.Whatyouwould
adviseonFund(NFO)?
Regards,
Vishal
Reply
Anandsays
January11,2015at7:14AM
HiBasu,
IhavebeeninvestinginfollowingfundsRs.2,000eachsinceFeb2013inSIPi.e.totalinvestmentof
Rs.10,000permonth.Allthefundsareingrowthoption.
HDFCTop200
HDFCMidcapOpportunities
IDFCPremierEquity
RelianceEquityOpportunities
SBIEmergingBusiness
CanIknowyourviewwhethertocontinueinvestinginabovefundsoranychangesrequired.
Thankyou.
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Reply
BasavarajTonagattisays
January11,2015at11:43AM
AnandWhysomanysmallandmidcapfunds?
Reply
Anandsays
January11,2015at4:42PM
LastoneyearIfeltsmallandmidcapfundsperformedwellcomparedtolargecapfunds.
Plzsuggestmeifanyadditionordeletionforabalancedportfolio.Myprimaryobjectiveto
invest10to15yearstomeettheexpenselater.
Reply
BasavarajTonagattisays
January11,2015at10:44PM
AnandButdontoverinvestinsmallandmidcap.
Reply
SubodhDeshpandesays
January10,2015at12:40PM
Hi,
Iwasinvestinginbelowlistedfundsfromlast4years(INR1000each),shouldIcontinuetoinvestin
thesame.
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FranklinIndiaBluechipFund
RelianceRSFEquityoption
HDFCPrudenceFund
HDFCMidCapOpp.
FranklinSmallercompaniesFund
AllfundsareGrowthOptionFunds.
Thanks&Regards
Subodh
Reply
BasavarajTonagattisays
January10,2015at12:52PM
SubodhWhycantretainonemidcapamongFranklinorHDFC?Restareacceptable.
Reply
SubodhDeshpandesays
January10,2015at8:40PM
HiBasavaraj,
NotedwithThanks.
Iwanttocontinuethisinvestmentfor7+yearsatleast.
IwanttoinvestsomelumpsumpamountinMFinnext2yearsforholdingperiodof10+
years.CanitispossibletosuggestMFforthesame.
Iwaslistedbelowfunds.Kindlyletmeknowyouropinionforthesame.AllareGrowth
Option
FranklinTempletonPrimafund.
FranklinTempletonPrimaPlus
ICICIDynamicfund
ICICIdiscoveryFund
HDFCEquityFund
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UTIOpprtunities
Reply
BasavarajTonagattisays
January11,2015at11:55AM
SubodhInmyviewonelargecapandanothersmallandmidcapfundisenough.
Reply
Amandeepsays
January10,2015at12:45AM
Sir,
Newyeargreetingstoyou!Onequestioninthecontextofmutualfunds,thoughnotrelatedtothe
bestfundstopicthatyourarticletalksabout.HowdoGSec/giltfundsworkandmanagetogive
someprofittotheinvestor(agreethattherateismuchlessthanotherequitycategories)?Irecall
seeingsomewhereasummaryofperformanceofvariousfundsandwassurprisedtoseereturnrate
for3yearperiodforsomelongtermgiltfundsbeingcloseto12%,whichisaround3percentage
pointshigherthanmostbankfixeddeposits.Giventhatgiltfundsareforgovernmentsecurities/bills
(asopposedtobeingequities/debtbondsofprofitorientedprivatesector),howdoesthe
governmentgiveback(onanaverage)toinvestorsaprofitthatishigherthanthatwhatbanksgive?
Banksgetalotofincomefrominterestpaidonloanstheylentout,buthowdoesgovernmentmake
profitfromsecuritybillsIthoughtareprimarilymeanttomeetgovernmentsneeds,whichobviously
arenotexpectedtobeprofitorientedbutratheradministrationrelatedexpenditures,expenditure
ongovernmentprojectswhichagainarepeopleorientedratherthanbeingprofitmotivated?Just
curioustoknowthis.Iunderstandthatthequestionismorerelatedtoeconomicsratherthanto
individualfinanceplanning
Reply
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BasavarajTonagattisays
January10,2015at1:07PM
AmandeepYoumisunderstoodthatGovtwillgivemorethan3%towhatisobligedonthat
particularbond.Tosimplifyit.LetussayyouholdabondfacevalueofRs.100andoffering8%
yearlyinterest.Assumethatcurrentlybanksoffer8.5%returnontheirFDs.Sowhichonenew
investorlookfor?ObiviouslytheBankFDs.Becauseitoffersmorethanyourbond.Afterfew
daysletussayBankreduceditsinterestto7.5%ontheirFDs.Thenwherenewinvestorslook
aroundfor?Theysearchforthebondsellerswhoareholdingthebondswhichareofferingmore
thanBankFDs,Imeanyou.InthatcaseyoumayofferthemthesellingpriceatRs.105(you
boughtitatRs.100).BydoingsoyoubooktheprofitofRs.5+anyinterestthatbondalreadypaid
you.Thisiswhatexactlyhappenswithbondfunds.Tobeprecisewheninterestratefallsin
outermarketthenbondpricesraiseanditisreversewhenbanksraisesinterestrates.Do
rememberthatbondfundsarenotriskfree.Higherthetenureofbondhighertherisk.Sodont
beinwrongbeliefthatBondFundsareriskfreeorGovtactuallypaythe12%return.
Reply
Pavansays
January9,2015at4:01PM
Hi,
Iwanttoinvestaround10000rs/monthforatimehorizonofmorethan10yearsinmutualfunds,
canyousuggestmehowshouldisplitmyinvestment.Mygoalistocreateahealtycorpusandiam
opentohighriskfunds.
Pavan.L
Reply
Pavansays
January9,2015at4:02PM
Pleasedosuggestmywiththebestfundsthaticangowith.IwillnotneedanyELSSfundsin
myfolio.
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Reply
BasavarajTonagattisays
January9,2015at10:05PM
PavanItisalreadylistedabove.
Reply
BasavarajTonagattisays
January9,2015at10:06PM
PavanOnelargecap,onesmallandmidcapandifpossibleonebalancedfundsareenough.
Reply
sachinsays
January7,2015at3:38PM
IhavestartedinvestmentinSIPofRS18000withtimehorizonof10yrspluswith
moderatetoaggressiveriskappetite.IhavealreadyinvestedinPPF(5000/MONTH)ANDPLI(
5000/mth).Kindlysuggestwhichfundtocontinueandorreplaceasicaninvestupto20
25000/mth.
1.ICICIPrudentialFocusedBluechipEquityRetailGrowth:3000/mth
2.UTIDynamicBondGrowth:3000/mth
3.HDFCMidCapOpportunitiesFundGrowth:2000/mth
4.CanaraRobecoEmergingEquitiesGrowth:2000/mth
5.UTIMNCFundGrowth:2000/mth
6.HDFCBalancedFundGrowth:3000/mth
7.UTIOpportunitiesFundGrowth:3000/mth
Reply
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BasavarajTonagattisays
January7,2015at6:42PM
SachinWhoselectedthesefundsforyou?Whetheryoudidresearchbeforeinvesting?
Reply
sachinsays
January9,2015at11:20AM
hi
thesefundsweresuggestedbyarelativeofminebutiamnotsureishouldinvestinallof
themorreplacesomeofthemwithbetterprospects
Reply
BasavarajTonagattisays
January9,2015at11:45AM
SachinMychoicefromyourlistedfundsICICIPruFocussedBluechipFund,HDFC
MidCapOppFund,HDFCBalancedFund.Restofthefundsarenotrequired.
Reply
ADsays
January7,2015at10:19AM
Sir,
IsitwisetoinvestinL&TBusinessCycleFundforlongterm?
Reply
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Ankurpreetsays
January7,2015at2:11AM
WhichisthebestwebsitewhereicaninvestinalltheseMFsatoneplace?
Reply
BasavarajTonagattisays
January7,2015at10:20AM
Ankurpreetwebsiteinthesameonlineanddirect?Waitformutualfundutilityplatform.Soon
yourdreamwillbereality
Reply
Krishnasays
January6,2015at6:46PM
Hisir,
Iwouldliketoknowthelockperiodforcanararobecoequitytaxsaver(G).
Reply
BasavarajTonagattisays
January6,2015at6:56PM
KrishnaIncludingCanaraRobecoEquityTaxSaver,allELSShavelockinperiodof3years.In
caseofSIP,eachinvestmentisconsideredasfreshinvestment.SoincaseofmonthlySIPthe
firstmonthSIPmustcomplete3yearsthenonlyitiseligibleforwithdrawalandsamecontinue
withsubsequentmonthlySIPs.
Reply
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MaunangModisays
January9,2015at9:58AM
DearBasavraj,
WhichoptionisbetterSIPorLumpusumpforlongerperiod??
Reply
BasavarajTonagattisays
January9,2015at10:22AM
MaunangItdependsonyourcomfort.Ifyouhavehugecashnowthengoforlong
termonetimeinvestment.IfdonthavethenSIP.Butdorememberthatbothoptions
areforlongterm.
Reply
Iamsahilfrommumbaisays
January6,2015at5:28PM
IamsahilsirIwouldliketoinvest25,000everyyearfor5yearswillyousuggestbewhichwillbethe
bestmutualfundforinvestingandwhatgoodreturnswilligetafter5years.IsHDFCshortterm
mutualfundokorICICIprudentialtaxbenefitisokfor5yearsplssuggestmegoodideaformychild
investment
Reply
BasavarajTonagattisays
January6,2015at6:25PM
SahilIfyourtimehorizonislessthan5yearsthendontenter.Keepitinmindthatequity
investmentshouldbeminimumof57yearsormore.
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Reply
PardeepSinghsays
January6,2015at4:04PM
IfIwanttoinvestupto10,000amonthfor5years,whatwillbebestoption
HiBasavaraj
A.InvestallamountinHDFCMidCapFund
B.Equallyinvestin2liketwoHDFCMidCapFundandHDFCBalancedplan.
C.Investinupto5differentplansforsafety.
ThisisgoingtobemyfirstInvestmentandIamcoveredforTaxbenefitswithPPF,sobasicallyneed
somethingwithfastreturnsover5yearstoachievefinacialgoals.
Thanks
Pardeep
Reply
BasavarajTonagattisays
January6,2015at6:24PM
PradeepFASTRETURNwithin5YearssorrynoEQUITYINVESTMENT.
Reply
PardeepSinghsays
January7,2015at9:17AM
Sowhatkindofperiodsaresuggestedupto10yearsormore?
Reply
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BasavarajTonagattisays
January7,2015at10:13AM
PradeepItmustbealwaysmorethan5+years.Longerthebetter.
Reply
pratibhasays
January5,2015at7:58PM
HiBasvaraj,
Ineedtodoinvestmentfor20,000asaonetimepaymentnotannualpremiumfortaxexemption
thisyearonly.
Wouldliketocashoutthereturnafter4or5years.CouldyoupleasesuggestthebestMFforthe
highestreturn.
Ineedtodoittodayonlysopleasehelpasa.
Thanks,
Pratibha.
Reply
BasavarajTonagattisays
January5,2015at8:55PM
PratibhaNONEbecauseequityinvestment(ELSSinyourcase)notmeantforsuchshortterm
investmenthorizonof45years.Ifyouhavetimeframeofmorethan5yeartheninvest.
Otherwisemysuggestionistostayaway.
Reply
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RamaMohansays
January5,2015at6:48PM
Sir,
1.WhatisthecapforinvestinginTaxSavingELSSforthecurrentyear.
2.MostofthearticlesarerecommendingELSS.
3.IfmywifecaninvestRs1.5LakhsinELSS,pleaseadvisewheretoputmoney.
Thanksinadvance.
Reply
BasavarajTonagattisays
January5,2015at8:44PM
RamaItismaximumofRs.1,50,000(thatincludesLifeInsurance,NSC,PPF,EPFofyour
contributionandmanymore).Yesshecaninvestbutsourcemustbefromyourend.Butdoyou
knowELSShavelockinofonly3yearsandequityinvestmentismeantforlongterm?
Reply
SOMASHEKHARsays
January5,2015at1:52AM
Sir
IamSOMASHEKHARaged32workinginagovtservice.sirIwanttoinvestrs6000everymonth
undersipofmutualfunds.Plsuggestmethe6fundsofrs1000eachforlongterminvestmentof15
18yearsformychildreneducationandmarriage.
Reply
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BasavarajTonagattisays
January5,2015at9:19AM
SomashekharSirwhy6funds?Doyoufeelyouwillbeatsaferbyaddingmorefunds?
Reply
Nithinsays
January4,2015at4:52PM
Hibasavraj,
iamplanningtodosomeinvestmentfortimehorizonfor3years,thisisbasicallyforclearingofloan
whatwouldyousuggestinvestingindebtorequityfundsorRDetc..?
Reply
BasavarajTonagattisays
January4,2015at5:29PM
NithinIfitlessthan3yearsthengoforRD.
Reply
sachinsays
January3,2015at8:00PM
Iwantedtoinvest1lakh.Kindlytellmethebestsharestoinvestin
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BasavarajTonagattisays
January3,2015at9:38PM
SachinStockinvestmentisnotgameofkid.Alsothebestmethodistolearnyourselftoinvest.
TodayImayrecommendyouoneorfewstocks.Afterfewyearstheincurredlossthenwhose
moneywillitbe?SostayawayfromanysuchHOTTIPSofstockinvestment.
Reply
AshishBanerjeesays
January3,2015at4:19PM
HiBasavarajTonagatti,
Yourarticle&repliesseemsimpressive.
Iamainvestor&investedinmarketthroughvariousmodes(ULIP,moneybackplans(guranteed
income),PPF,NSC,MF(SIP&lumpsumboth),RD&FD).
Seeingthecurrentlyscenarioofmarketfromlast6monthsIaminvestingonlyinMF.CurrentlyI
have15000.00withme,generallyIusetoFDofthesamebutifIoptinvestmentinMFlumpsum
canupleasesuggestme
Thanks&Regards,
Ashish
Reply
BasavarajTonagattisays
January3,2015at9:27PM
AshishWhatisyourtimehorizonofinvestmentandwhetherbasicthingslikeLifeInsurance,
HealthInsurance,AccidentalInsuranceandemergencyfundsareatplace?
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AshishBanerjeesays
January5,2015at7:36PM
Hi,
Thanksforrevert.
Pleasefindmymfinvestmentbelow:
AxisLongtermequityFundLumpsum
AxisHybridFundNFOLumpsum
RelianceSmallCapLumpsum
SBIemergingBussinessfundSIP1000.00
SundaramTaxsaverSIP1000.00
HDFCTaxSaverSIP1000.00
HDFCMidCapoppurtunitiesFundSIP1000.00
DSPBRmicrocapSIP1000.00
SBImagnumInstacashLumpsum
SBImagnumTaxgainSchemeLumpsum
IDFCDynamicEquityfundNFOLumpsum
IDBIDiversifiedFundLumpsum
Healthinsurance:
ApolloMunichofme&mywife.Optimalplan
lifeInsurance.
IDBIfedralGuranteedIncomeplan
Aegon1tradional&1ULIP
Eachpremiumof20000.00
PPF2000025000annualy
tryforFDeverymonthtilljuly2014.seeingthecurrentscenariostartedinvestinginMFon
consultationofmyadvisers.
Thatsit.
Time35years.Ifprofitisgoodthenreadyforlongtermalso.
Regards,
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Ashish
Reply
BasavarajTonagattisays
January5,2015at8:53PM
AshishWhysomanyfunds?AlsoapartfromhealthinsuranceandPPF,Ifoundrest
dummy.Whatdoyoumeanbyifprofitisgoodthenforlongtermalso?Whatifyour
portfoliois50%slashedduetomarketdownturn?Firstunderstandwhatyouneed.
Thengoahead.
Reply
AshishBanerjeesays
January7,2015at9:09AM
Franklysayingnoonehassuggestedmethisadvice.Ihaving45financial
advisorsandallaresuggestingtoinvestinMFinthismarketscenario.Thereason
isthat3ofthemareMFadvisors&2ofthembelongstobankbuttheyaresaying
thatitwillbebettertoinvestinMFinplaceofFDasthisisamarketofequity.
SinceyourviewsaresodifferentthusIwilltrytogetmoreofyourviewsandwill
trytoopenallmyfinancialinvestmentpagesinfrontofyou.Andtrustmethere
areveryfewwhoarecarryingoutsuchawarenessprogram,thesetypeof
suggestionsaregenerallyfindwithinthefamilybyafamilymemberonly(I
believe)
IhavethatmuchinFDwhichwillhelpfultomeincaseofemergenciesthus
liquidcashavailable.
Thereasonforwritinglongterm.
ThenalsoifyouwillsuggestforRD/FDIamreadyforthesame.
Yourblogsaretoogood&youaredoingagoodwork.ThisoneIsayisaservice
withouttheaimofprofit&thushelpfultoeveryone.BestofLuck.
Nowsuggestmethewayforward,ifswitchinginSIPrequiredwillgoforthesame.
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Thanks,
Ashish
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BasavarajTonagattisays
January7,2015at10:19AM
AshishRetainonelargecap,onesmallandmidcapandifpossibleone
balancedfund.Thatsitforallyourinvestmentinequitymutualfund.Tryto
comeoutofexistinginsuranceasearlyaspossible.Becausetheycombine
insurancewithinvestmentandwhichisworsttypeofstrategy.Buyonline
terminsuranceofyourchoicetothetuneofatleastaround1520timesof
yearlyincome+anyexistingdebtamount.Ifyourtimehorizonismorethan
7+yearsthenatthisstagetooyoucanenterintomarket.Noharminthis.
ButrestrictyourfundstoasIsaidabove.Thanksforyourkindwords
Reply
AshishBanerjeesays
January7,2015at1:06PM
Hi,
Thanksforrevert.
Canupleasespecifictothefundsaspertheperformance.IfIamhaving
thenwhich,ifnotthenwhichIshouldbuy.IbelieveIdonothave
Balancedfund.
Enterintomarketmeans.Iamalreadyainvestor&investinginMF.
ApartfromterminsuranceIshouldnotdoanytypeofinsurance.Thisis
toodifferent.Iamof30yrs.IngeneralIhaveinvested2moneback
plans&1ULIP.Isthereanyharm.
IhavedoneInvestmentinELSS/PPF/insurancefromthemotiveof
savingtax.ShouldIcomeoutofELSS&PPF?
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WhataboutFD/RD/KVP,etcinvestment?
Reply
AshishBanerjeesays
January7,2015at1:09PM
Wronglywritten
IhavedoneInvestmentinELSS/PPF/insurancefromthemotiveof
savingtax.ShouldIcomeoutofELSS&Insurance?
Reply
BasavarajTonagattisays
January7,2015at3:35PM
AshishItrequiretoworkoneachfund.SoIamsayingingeneric.
Doityourself.Itisnotarocketscience.Alreadyhavinginvestment
isdifferentbutfreshinvestmentmustbefreshlookattimeframe.
YoualreadytrappedwithULIPsandTraditionalplansof
insurance,stillfeelyouhavenotdoneanythingwrong?AsIsaid
manytimes,yourinvestmentmustbetaxefficientbutatthesame
time,dontforgettohavepropergoalattachedtoinvestments.
Haveyoudonethat?
Reply
AshishBanerjeesays
January9,2015at10:10AM
OkGotit.Butcurrentlyitwouldbedifficultforme
discontinuealltheinsurance&ULIP.Willnotinvest
further.Maxwillgoforatermplanbyendofthisyear.
WillbeinvestinginICICIFocusedblueChip&HDFC
balancedgrowth..SIPof1000.ThemoneyIhave15000.00will
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beforaFDinthismonth.
IamcontinuingwithaboveSIPs&MFs.&willtrytocontinue
bykeeping34funds.Asusuggested1largeCAP,1smallCAP
,1midcap&1ballanacedfund.
IwouldcontinuewiththeELSSSIPbecauseIamdependent
onthemfortaxsaving.AxisLTEquityhasgivenmeagood
return.Iwillkeepthesame&rest1SIPofELSS.
Allthisaimforthisyear.
Incaseiamstillwrongsomewherepleasecorrectme.
Thanks,
Ashish
Reply
BasavarajTonagattisays
January9,2015at10:24AM
AshishGoahead.
AshishBanerjeesays
January9,2015at4:01PM
Hi,
Yourviewson:
BirlaSunlifeManufacturingEquityFund
Regards,
Ashish
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BasavarajTonagattisays
January9,2015at10:05PM
AshishIpreferdiversifiedthansectorspecific.
Gauravsays
January3,2015at1:46PM
DearBasavaraj,
Firstthanksforthisawesomewriteandbeingsoactiveinhelpingpeoplewiththeirinvestmentsby
replyingtotheirquestions
Ineedyourvaluablesuggestiononaninvestmentplanforplanningannualvacations.
IamthinkinguponinvestingRs.12000(5000+5000+2000)inSippermonthforaboutoneand
utilizingitforanannualvacation.
Ineedyourvaluablesuggestioninchoosingbestsipplan.
Thanksinadvance
Regards
Gaurav
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Reply
BasavarajTonagattisays
January3,2015at9:25PM
GauravAnnulvacationmeansyouneedtheinvestedamountafteroneyearofstartright?Stay
awayfromanyequityinvestmentsifyourtimehorizonislessthan57Yrs.
Reply
Gauravsays
January3,2015at11:55PM
ThanksBasavaraj,
Yesyouareright,Iwouldneedtheinvestedamountafteranyear.
So,whatwouldyousuggestasabestinvestmentplan/mode/methodforannualan
vacation?
Bestregards
Gaurav
Reply
BasavarajTonagattisays
January4,2015at10:42AM
GauravBestistogoforBankRDs.Becauseincaseofdebtfundsalso,taxationwillbe
sameasthatofBankRDsandthereturnisnotguaranteed.InsteadinRDsitis
guaranteed.
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dibyenduchakrabartysays
January2,2015at8:19PM
dearsir,
Ineed56lakhafter5years.pleasesuggestmehowmuchIhavetoinvestonmutualfundandwhich
fundperfectformygold.
Thankyou
Reply
BasavarajTonagattisays
January2,2015at9:26PM
DibyenduSorrynoequityinvestmentsforaperiodof5yearsorless.
Reply
dibyenduchakrabartysays
January2,2015at9:56PM
sirIwanttoinvestthroughsip.istherehavenoanyorbunchoffund
Reply
BasavarajTonagattisays
January3,2015at8:36AM
DibyenduMayIknowwhatdoyoumeanbybunchoffund?
Reply
dibyenduchakrabartysays
January3,2015at7:14PM
Imeantosayoneormoredanonefund.actuallyIwanttobuyacarafter5orsix
yearsoIneedDATmoney.
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Reply
BasavarajTonagattisays
January3,2015at9:37PM
DibyenduStayaway.
Reply
sainathsays
January2,2015at7:59PM
Sir,Imastudentwhowanttosavehissavingsinsiptogetmaximumoutofinvestments.myinitial
budgetis1000..Ihadtriedtoinvestinicicifocussedbluechipandfranklinlargecapasmentioned
above,buttheminimuminvestmentis5000..Canyousuggestmeawaytoinvest1000alsonote
theyaremylongtermsavings10+years..Idecidednottomovethemforanycause.Thanksforthe
article..
Reply
BasavarajTonagattisays
January2,2015at8:05PM
SainathWhetheryourinvestmentisonetimeormonthlyRs.1,000?
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sainathsays
January2,2015at8:13PM
Itsmonthlyinvestment.
Reply
BasavarajTonagattisays
January2,2015at8:19PM
SainathThenyoucaninvesteasilyinthatfund.TheysaidRs.5,000minimumforone
timeinvestmentbutnotmonthly.SocanstartwithRs.1,000monthlySIP.
Reply
sainathsays
January2,2015at8:23PM
ThanksforthereplykindlyPleasechooseaplantoinvestforme..
Reply
BasavarajTonagattisays
January2,2015at9:26PM
SainathItisalreadylistedabove.
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Ramsays
January2,2015at4:36PM
HiBasu,
Currently,IamholdingthebelowfundssinceJune2014.
1.HDFCMidCapOpportunitiesFund(G)1000k(SIP)
2.ICICIPruFocusedBlueChipEqFundReg(G)2000k(SIP)
3.UTIOpportunitiesFund(G)1000k(SIP)
4.RelianceRegSavingsFundEquityPlan(G)1000k(SIP)
Myquestionis,CanIshowthemtoTaxSavingsunder80Cforcurrentfinancialyear(20142015).
BecauseIhaveinvestedrecently(June2014)andthesefundsarenotcompleted1year(investing
period).
Pleaseletmeknow.Thanks.
Reply
BasavarajTonagattisays
January2,2015at6:15PM
RamNoneofthemareeligiblefortaxdeductionunderSec.80C.Soyoucantshowthem.
Reply
KarthikeyanSelvamsays
January1,2015at8:34PM
HiBasu,
1.IhavestartedmyMutualfundinvestmentonSep2014inICICIPrudentialTaxPlanDirectPlan
(G)fornext15years,monthly2000andthisformychildeducation,reasonwhyihavechosenabove
plan,currentlyiampayingyearly15000thousandtax,sothatihavechosenthisPlan
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2.Alsoiamwillingtoinvestinanotherfund(ICICIPrudentialFocusedBluechipEquityFund
DirectPlan(G))fornext20years,thisisformyretirement..Monthly2000Isthisgoodoption?
3.Isthis(ICICIPrudentialTaxPlanDirectPlan(G))theonewhichyouhavementionedinlarge
capfund?Oramiselectingwrongfund?whyiamaskingthisquestion..youhavegiven5years
returninyourlistbutwhensearchaboutthisfundItsstartedonlyon2013thatswhyiamasking
thisquestion..
Reply
BasavarajTonagattisays
January2,2015at4:00PM
KarthikeyanIsaidaboutICICIPruBluechipFund.Alsothereisnosuchdiversificationamong
taxfundslikelargecaporso.Butyoucangowiththesetwofundsforyourfuturegoals.
Reply
KarthikeyanSelvamsays
January3,2015at5:37PM
ThanksforthereplyBasu,
Onelastquestion..
Belowmentionedtwoaresamefund?
Iamtryingtoinvestinfirstone(ICICIPrudentialFocusedBluechipEquityFundDirect
Plan(G)),butinyourlistitisgivenfundnameassecondone(ICICIPrudentialFocused
BluechipFund(G)).IJustwanttoclarifywhetherbotharesamefund,Ifyes,shalli
continuewithfirstone?.
1.ICICIPrudentialFocusedBluechipEquityFundDirectPlan(G)
2.ICICIPrudentialFocusedBluechipFund(G)
Reply
BasavarajTonagattisays
January3,2015at9:32PM
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KarthikeyanVerymuchsame.Goaheadandbestofluck
Reply
RAJsays
January1,2015at3:54PM
sirshouldicontinuuewith2fundsof2014
1.utioppertunity(g)1000Rs.
2.icicitaxprufund2000Rs.
Reply
BasavarajTonagattisays
January1,2015at7:34PM
RajYescontinue.
Reply
DPalsays
December31,2014at7:06PM
Hellosir,
Ihaveageneralquestion.
Supposeafteroneyear,IfindaparticularMFisnotdoingwell,whatshouldIdo?
ShouldIredeemtheamountandputintoanothersimilarFundcategoryorwaitforanotheryear,as
Ihave1yrexitload?
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Regards,
DPal
Reply
BasavarajTonagattisays
December31,2014at8:49PM
PalBettertowaitandwatch.Ifitconsistentlystarttounderperformthenswitch.
Reply
DPalsays
January1,2015at9:36AM
Thankyousir.
WishingyouaHappyandProsperousNewYear.
Regards,
DPal
Reply
BasavarajTonagattisays
January1,2015at7:10PM
PalSametoyoutoo
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Gavinsays
December31,2014at11:10AM
Hi,
MycurrentMFlistis:
SBIMulticapFund
DSPMicroCapfund
HDFCEquityFund
ICICIPruBalanced
SBIBlueChipFund
FranklinBuildIndia
PrincipalEmerBluechip
CanyousuggestshouldIcontinueorswitchtosomeotherMF?
Reply
BasavarajTonagattisays
December31,2014at2:08PM
GavinRetainonelargecap,midandsmallcapandifpossibleonemulticap.Restofthemare
notrequired.
Reply
Mangboikukisays
December31,2014at6:54AM
Sir,IplannedtostartanSIPinmutualfundsforLongdurationi,ebetween2030years.Please
suggestforhowlonginvestmentinmutualfundshouldbedone.
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BasavarajTonagattisays
December31,2014at2:15PM
MangoboiIfyourinvestmenthorizonismorethan5+yearsthenyoucaneasilystartinvesting
inequitymutualfunds.Soinyourcase,youcangoahead.
Reply
neoandersonsays
December31,2014at4:12AM
DearBasunivesh,Thanksforyourexcellentarticles.Iamlittlebitconfusedaboutmutualfund
selectionandranking.Foreg.HDFCTop200wasrecommendedbyyouandSureshKP.Butthisfund
isderankedinvalueresearchandmoneycontrol.comandhasbeenrecommendedtosell.I
understandthattherearesomanyparametersinvolvedinrankingandselection.Ifpossiblecanyou
pleaseexplainthebasisofyourselection.Iamsurethiswillhelpmanyreaderstoselecttheirfunds
ofchoice.Thankyou.
Reply
BasavarajTonagattisays
December31,2014at2:22PM
neoandersonHDFCTop200isconsistentperformersince1990periods.Eventhoughitmaybe
lowerrankedbyfewrankingsites,butstillcheckitsbenchmarkreturntofundreturn.You
noticethatitalwaysbeatenthebenchmark.Alongwiththatthisfundhavemajorexposure
towardsFinanceandespeciallytowardsBanking.SosometimeduetolethargicGovtinitiatives
thisfundmayunderperform.Butoverallthisfundisbestchoiceamongthecategory.Forget
aboutSELLcallorrankings.Butlookatitsperformanceandindicators.Itisbestfund.
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vinodsays
December30,2014at8:59PM
hellobasu,
ihave5funds,ICICIprufocusedbluechip,quantumlongterm,IDFCprequity,BSLfrontlineequity,
ICICIvaluediscovery.Iparkequalamountinall5funds.
Pleasesuggestmeshallicontinueinsameorshouldichangethem.
thanx
Reply
BasavarajTonagattisays
December31,2014at2:29PM
VinodBettertoretainanytwotothreefunds(largecapandsmallandmidcap)andrestof
themwillnotserveanypurposetoyou.
Reply
DPalsays
December30,2014at5:49PM
HelloSir,
IsawyournicesuggestionondifferentsectorialMFs.
Iinvestedintwointernationalequitiesasbelow:
FTIndiaFeederFranklinUSOpportunitiesFund
ICICIPrudentialUSBluechipEquityFund
PleaseletmeknowyoursuggestiononabovefundsonlongtermSIP.
Regards,
DPal
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Reply
BasavarajTonagattisays
December30,2014at8:28PM
PalWhytheseUSfunds?
Reply
DPalsays
December31,2014at9:12AM
Sir,
IdidnttrustIndianMFsasIdidntgetgoodreturninlast3yrs,soIclosedthoseoneyr
backandstartedthosefunds.
Iamstoppingtheseandstartingaccordingtoyoursuggestion.
Thankyouverymuchforyourreply.
Letmeknow,ifyouwanttosuggestmeanythingelse.
Regards,
DPal
Reply
BasavarajTonagattisays
December31,2014at2:13PM
PalPleasefollowthefirstandutmostimportantthumbruleofequityinvestment
Alwaysinvestinequityonlyifyourtimeframeismorethan5+years.Secondthumb
ruleisReviewtheportfolioatleastonceinayear.IfyouneedfundstonameThelist
isalreadypublishedabove.
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DPalsays
December31,2014at3:50PM
Thankyousir.
Iwillfollowyourguidance.
Manythanksforgivingvaluablesuggestionstomeandothers.
Regards,
DPal
Reply
Ramsays
December30,2014at5:38PM
HiBasu,
Couldyoupleasetelmethebestliquidfundfor2015.Becauseiwantparkmymoneyintoliquidfund
insteadofsavingbank.
Pleaseletmeknow.Thanks.
Regards
Ram
Reply
BasavarajTonagattisays
December30,2014at8:27PM
RamThereisnothingcalledBESTliquidfund.Becauseallliquidfundsinvestinshortdebt
papers.Suchdebtproductsaresafestandusuallyinterestfluctuationswillnotvarythatmuch.
Sochooseafundfrommutualfundcompanywhichyoufeelcomfortable.
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Reply
Ramsays
December31,2014at4:42PM
ThanksBasu..
Reply
Amitsays
December30,2014at4:20PM
HiBasu,
Firstofall,congratulationstoyouonthegreatworkyouaredoing.Thisisveryhelpfulforsomeone
likemewhoisnewtomutualfundsinvesting.
Iam38yrsold.Istartedsipsfor10k/monthearlythismonthwithlongterminvestmenthorizonof
~10yrs.Iselectedthefollowingsixfundsallgrowthoptions:
LargeCap:ICICIPruFocussedBluechip(2k)BSLTop100(2k)UTIEquity(2k)
MidCap:HDFCMidCapOpportunities(1.5k)FranklinISmallerCompanies(1.5k)
SmallCap:DSPBRMicroCap(1k)
NowIwishtoincreasemysipsbyanother10k/month.
ShouldIjust2xtheinvestmentsintheabovefundsorchoosenewerfunds.Ididincreasethesipsin
ICICIPruFocusssedBluechipandHDFCMidCapopportunitiesasthesegotlistedinyour2015list
aswell.
Regards,
Amit
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BasavarajTonagattisays
December30,2014at8:19PM
AmitContinueyournewinvestmentsinsamefunds.
Reply
sandeepsays
December30,2014at2:42PM
HiBasu,
Thanksforthelist.
Iamnewbie,needsomeinputsfromyou.
IHavereaditinmanyblogsthatitisgoodtokeepMFinvestmentforlongtermtoexpectgood
returns.
So,weselectonegoodlarge/mid/smallcapfundandinvestinthesame.
Anyreasononwhyitisrequiredtoshiftthefocusonothersfundseveryyear?
Ifthisisthecase,thenwearedeviatingoursipeveryyearandtryingtotimethemutualfund..right!
Also,anyreasonforyoutonotconsiderSBIMagnumEquityFund?Itsintop10rankfor
3yrs,5yrs,10yrsaspervaluereasearchonline.
Thanks
Sandeep
Reply
BasavarajTonagattisays
December30,2014at3:46PM
SandeepIneversaidtoswitchitonyearlybase.Ifthefundconsistentlyunderperformitspeer
orbenchmarkthenyouneedtothink.Itmaybeeithereveryyearoronceinafewyears.But
monitoringequityinvestmentsonceinayearismust.ThatiswhatIampointing.SBImaybe
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starratedfund,fewissueslikeexpenseratiotootherrecommendedlargecapmademetostick
toabovetwofundsofthiscategory.
Reply
Amitsays
December30,2014at4:48PM
HiBasu,
Thisisgoodstuff.ItooshareSandeepsquestion,andfindyouranswerconvincing.
Justonedoubtthough..Forlongtermgrowth,weselectedthefundsonthebasisofsay
5yr/10yrperformance.(wedidnotlooktoomuchintotheshortterm1yr/2yrreturnswhile
makingthisdecision).
Nowwhenwereviewtheperformanceafter1yearofinvestingandcomparingwith
peers/index,arewenottryingtoconcludetheperformanceofthefundbasedon1yr/2yr
returnswhileweselectedthefundbasedon5yr+performancetobeginwith?Itmightbeso
thatthefundalreadypredictedpoorreturnsin1/2yrtermcomparedtoitspeerswhenwe
selectedthefund?
Iamconfusedabitonthis.Pls.shareyourthoughts.
Regards,Amit
Reply
BasavarajTonagattisays
December30,2014at8:22PM
AmitValidpoint Butatthesametimewemustalsolookintobenchmarkitis
following.Reviewingyearlymeansnotchurningyourinvestmentyearlyonce.Butgive
moretimetofunds.Soifitiscontinuouslyunderperformingthenchurnit.
Reply
sandeepsays
December31,2014at1:30PM
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Thanksfortheclarification.
Now,IlookfurtherintothelistofLargecapfundstopickonegoodfund
Ofcouse,FranklinBluechipandICICIfocussedbluechipisinthetop,butIjust
haveonemorefundaheadoffran..orICICIUTIEquityFund..
ReasonsforUTIEFtotakeoverFran..orICICI..
Better1Y/3Y/5Y/10Yreturns
BetterSharpeRatio,AlphaandalmostsimilarSD,ER.
2008and2011whenmarketsawthecrash,thisfundhastakenthelowestrisk
andthereturnsduringthisperiodisbetterthanitspeers(althoughnegative ..
Butthatisthecasewithallfunds)
ExperiencedFundmanagerwhohasstayedforalongtime..
AsImentioned,IamanewbieanditisonlybasedonsometheoryIamlookingat
UTIEF..Butyouhavemorepraticalexperienceandhaveseenthingsaroundso
definitelyneedyourviewsplease.Thanks
Reply
BasavarajTonagattisays
December31,2014at2:00PM
SandeepIneversaidthatthefundIhavechosenareONLYbesttoinvest
andrestarebad.YoucangowithUTIfundalso.
Reply
SuershKrishnasays
December30,2014at11:29AM
Ihavefollowingportfolio:ICICIPrudentialdynamicgrowthRs2k,ICICIfoucssedbluechipRs
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1k,IDFCpremierequityRs2kpermonthasSIPstartedlastyearbasedonyourarticle.Whatis
yourcallonIDFCpremierDoineedtostopandstartotherfundasrecommendedasoneyearterm
isendingforthisfund.Pleaseadvise.
Reply
BasavarajTonagattisays
December30,2014at12:50PM
SureshContinueinvesting.Noneedtoworry.
Reply
SureshKrishnasays
December31,2014at11:29AM
Thanks.Willcontinuesameportfolio.
Reply
Raghusays
December29,2014at11:25AM
Yourcommentisawaitingmoderation.
DearBasavaraj,
Iam33yrsofageandinvestinginMFsforlast8yrs.RecentlyIclosedallmyholdingsandthe
amountwasdivertedforthepurchaseofaflat.NowIwanttostartnewinvestmentforatimezoneof
1015yrs.Iwouldliketoinvestupto10,000permonthin2or3funds.Havingseentheupsand
downsinthemarket,Iamawareofthebenefitoflongtermsystematicinvestment.Pleasesuggest
me2or3fundswhereinIcaninvestmentanamountof10K/month.
Regards
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Raghu
Reply
BasavarajTonagattisays
December30,2014at10:25AM
RaghuChooseonelargecapandsmallandmidcapfromabovelist.
Reply
pratiksays
December28,2014at7:59PM
ihavesomeinvestmentinreliancediversifiedpowersector,Birlainfrastructurefund,Reliancegold
fundetc(Sectorfunds).ThisisapartfrommyongoingSIPIndiversifiedfunds.Ihavealready
stoppedSIPinsectorfundsbutmyinvestmentisstillthere.
IamplanningtoswitchmysectorfundinvestmenttodiversifiedequityfundofthesameAMCover
12months.(sameAMCtoavoidexpenses)
pladvise,isitagooddecisionorweshouldretainthisinvestment.
Reply
BasavarajTonagattisays
December30,2014at10:39AM
PratikBettertoswitchasearlyaspossible.
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PINKYSARKARsays
December27,2014at9:20PM
Hello,
IamnewtoEquitymarket&wanttostartinvesting.
Pleasecanyouguidemewiththebetteroptionforbothshortterm&longtermreturns.
Also,theamountIshouldstartwith.
Thankyou,
Pinky
Reply
BasavarajTonagattisays
December28,2014at1:05PM
PinkyHowcanwithmeretwolinesofsharingguidingispossible?Needmoreinfolikehow
yourfinancialplanningsetupasofnow.
Reply
PINKYSARKARsays
December29,2014at8:05PM
Hello,
Well,IhaveonlyfixeddepositandGoldasamediumofinvestment.Mybudgettoinvestin
equityfundsisRs.10000/monthly.Iamlookingforbothshortterm&longtermgains&
newtosuchinvestments.
Kindlyguidetheplanorequityfundwhichcanhelpmetoearnprofitbothonshortterm&
longterm.
Also,Isthereanyplanwhichcanhelpmetoearnmonthlyincome?And,ifyes,thanwhatis
theamountIshouldinvestinit?
Pleaseletmeknow,ifyourequireanymoredetails.
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Thankyou,
PinkySarkar
Reply
BasavarajTonagattisays
December30,2014at10:06AM
PinkyPleaseletmeaccordingtoyouhowmuchyearsisshorttermandlongterm.
Reply
yuvsays
December26,2014at10:57PM
Basuniveshji!gratefulforyourvaluablesuggestionsitimelyquitsmartplatinumnowihaveasked
theagenttoputthat99000eachfrpnbtaxplanELSS.
Secondlyihaveplannedtoinvest10000monthlyonICICICIPRUDENTIALTAXPLAN
andRELIANCETAXSAVERMUTUALFUND.Iamaged46yearsihaveppfandlicpurchsedlong
back.
NowiplanformybothkidsFMCG.
RELIANCEREGULARSAVINGPLAN
hdfcBALANCEDFUND
iciciciprufocussedbluechipfundeach10,000thats40,oooeachkideverymonth.Isitwise.
Iamnewtothismutualfund.
Reply
BasavarajTonagattisays
December27,2014at6:38PM
YuvHowyouselectedthesefunds?
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Reply
yuvsays
December28,2014at1:21AM
seeingyouradvicesandaswellasthatofagenticanholdbackihavetime..PLEASE
ADVICEIAMCONFUSED
Reply
BasavarajTonagattisays
December28,2014at1:01PM
YuvWhatadviceyouneed?
Reply
yuvsays
December28,2014at9:32PM
Amirightinchoosingthesefundsfortaxbenifitsandformykidsfuture.Please
guide.
Reply
BasavarajTonagattisays
December30,2014at10:38AM
YuvRetainICICITaxSaverandthatonefundisenough.
Reply
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ViralVyassays
December26,2014at4:12PM
HiSir,
IamnewinMutualFundmarket.Iwanttoinvest2000permonthfor5yearsinSIP.Sowhichfund
Ishouldselectforverygoodreturn.Pleasesuggestme.
Reply
BasavarajTonagattisays
December26,2014at5:50PM
ViralStayawayfromequityifyourtimehorizonisjust5years.
Reply
Manassays
December26,2014at3:44PM
DearSir,
wishyouaveryHappyNewYear
Sir,asperyoursuggestionoflastyear
IamdoingSIPasfollows
1ICICIPrudentialFocusBluechip2000/Month##LargeCap
2QuantumLongTermEquity1000/Month##MultiCap
3IDFCPremierEquity2000/Month##Mid&SmallCap
4HDFCTop2001500/Month##Large&MidCap
butinyoursuggestionfor2015
youhavenotmentionedaboutIDFCPremierEquity,QuantumLongTermandHDFCTop200.
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WhatshallIdonow??
IamanewinvsterandafterreadingyoursuggestiononlyIhadstartedtheseSIPlastyearonly.
pleasesuggestandguideme.
Reply
BasavarajTonagattisays
December26,2014at5:54PM
ManasPleasecontinuewithexistingfunds.Ihavenotmentionedbecausetheymaybenot
undermycriteria.Butyoumaycontinueyourinvestments.Noharmandallaregoodfunds.
Reply
AmitBudhirajasays
December26,2014at2:14PM
HelloSir
Firstofallitsaniceplatformyouhavecreatedwhichhelpsinunderstandingvariousfinancial
products.BestofLuck.
IhavebeenInvestingoverayearinMFnow,sofarthefundsIaminvestingarementionedbelow::
AxisLTEquityFund(G)>5000p/m
ICICIPruFocusedBlueChipEqFundReg(G)>5000p/m
ICICIPruTop100FundReg(G)>2000p/m
MiraeAssetIndiaOpportunitiesFundReg(G)>3000P/m
Pleaseletmeknowshouldicontinuewiththisportfolioorthereisascopetobetteritandwhatdo
yousuggest.
Reply
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BasavarajTonagattisays
December26,2014at5:59PM
AmitBeforethatchecktheportfoliooverlapping.Iknowyoumighthaveselectedthesefunds
basedonratings Buthaveyoucheckeditslongtermperformance?
Reply
Saisays
December26,2014at11:59AM
Sir,
Ineedyoursuggetiontoinvestingmutualfundsasaimnewtothis.
Iwanttoinvest5000pminMFthroughsip.For10years.Ialreadyinvesting150000inppf.canyou
pleasesuggestwheretoinvestitforgoodreturnsafter10years.
Thanksinadvance,
SAI.
Reply
BasavarajTonagattisays
December26,2014at6:06PM
SaiChooseonelargecapandanothersmallandmidcapfromabovelist.
Reply
lalsays
December26,2014at10:28AM
Sir
Iamworkingexecutive.Mycurrentsavingtotalabout5Crore.About1.7croreinMutualfund
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investedvisaSIP.Actuallyinvestedtotal85lacandithasbecome1.7bythistime.Iamwilling
increasemySIPindifferentAMCtoalevelof3.3lacpermonth.SothatIcaninvesttotal2Croreby
next5years.ThenIwillstopSIPandwaitfornext5yearsformyinvestedmoneytogrow.ForthatI
willbeselectingtwofundswithLargeandmidcap,TwofundswithMidandSmallcapandtwofunds
balancedfunds.MypreferenceforAMCisHDFC,ICICI,BiralaandFrankling.pleaseadvisemefor
thefollowing.
1)Anymajorwrongthinginthisapproach?
2)Isitappropriatetoinvestwithinnext5years.Becauseifthis5yearsisapickperiod,thenwehave
tolooseheavily
3)balancedfundsarerequiredforthisduration?
regards
lal
Reply
BasavarajTonagattisays
December26,2014at6:14PM
LalYoualreadyhaveinvestmentsinequitymutualfunds.Soiftheyareonrighttrackthenwhy
newfundsforthisinvestment?Alsotwofundsfromeachcategoryisnotnecessary.Tome
maximum23fundsareenough.Balancedfundsmaycushionyouwhenmarketdropping.Solet
itbe.Butselectafundfromlargecap,smallandmidcapandbalancedfundisenough.
Reply
KoushikDassays
December25,2014at11:36AM
hiBasavaraj,
Verymuchthankyouforthisvaluablepost.Learntalotfromthis.
Iam45yearsoldandnewtoMF/IamplanningtoputsomemoneyinMFfornext910yrs.
IhavesufficientFDandrealityinvestmentsoIcantakeriskonequityMF.
IamtargetingtogoforthefollowingMFthroughSIP.PleasesuggestshouldIneedanyalteration.
TataBalancedfund5000/month
ICICIPrudentialFocusedBluechipEquityFundRegularPlan5000/month
QuantumLongTermEquityFund5000/month
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HDFCMidCapOpportunitiesFund2500/month
FranklinIndiaSmallerCompaniesFund2500/month
Thanksinadvance.
KoushikDas
Reply
RAMsays
December24,2014at11:39PM
Whataboutinvestingdirectlyinstockbasedonselectedmutualfundstockandtrackingthesameas
perfundfolio?Doyouthink,itwillwork,ExamplewetakeHDFCtop200andinvestdirectlyinthe
stockstheyhaveinvested.
Reply
mahendersinghsays
December24,2014at4:32PM
sir
iwannathank&appreciateforurefforts&sharingyourknowledge.itreallyhelpslaymenlikeusto
readindepthreview&takeacall.am39yearsold&haveinvestediniciciprufocussedbluechip&
reliancetaxsaverfund.ihaveseenyouhavenotrecommendedormentionedreliancetaxsaver.so
wantedtoknowyouropinion/reviewonit.didimakearightchoicebyinvestinginit.itsbeen7
monthsinthesetwofundswithasipof2500each.alsowouldpleasetellmeshouldigoforanother
taxsaverfund.ifyesthenwhatisthedifferencebetweeniciciright&iciciprutax.pleasesuggest.
lookingfoward.
Thanks
Mahender
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mahendersinghsays
December27,2014at9:21AM
sirwouldyoupleaseadvice..waiting
Reply
GuruPrasadPandurengansays
December24,2014at1:20PM
DearSir,
IhavestartedinvestinginMutualFundsfromthismonth.Asyousuggested,Ihaveinvestedinthe
below2funds.
FranklinIndiaBluechipFund(G)2000Rs
ICICIPruFocussedBluechipFund(G)2000Rs.
ImplanningtocontinuethisasSIPwith1000Rseachinthefollowingmonthsupto5years.Canyou
pleaseletmeknowhowlongshoudIwaitforthesefundstogrowandwhatparametersIneedto
checkifatallIneedtoshifttootherfunds?ImnewtoMutualFundandrequestyoutokindlyhelp.
Thanks,
GuruPrasadPandurengan.
Reply
BasavarajTonagattisays
December24,2014at3:03PM
GuruWhytwofunds?Investinonefundandthatisenough.Equityinvestmentshouldbe
minimumforaround5+years.Howtochecktheperformanceisalengthytopic.HopefullyI
maycomeupwithapostonthesame.
Reply
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GuruPrasadPandurengansays
December24,2014at3:42PM
Thankyou,Sir.IhaveinvestedthroughFundsIndiawebsite.Letmecheckwiththemfor
theoptionsofgoingwithonefund.Kindlyadvice.
Thanks,
GuruPrasadPandurengan.
Reply
Gopalsays
December24,2014at1:14PM
Sir,Iam43yrsoldwithincomeofRs.5lacsperannum.Onlylastyearihavestartedinvestinginsip
ofRs.3000inIdfcpremierequityfund.IwishtoinvestRs.5000moreinsipfrom2015.Whichplans
wouldusuggestforme?Thanksforyouradviceinadvance.
Wishuaveryhappynewyear2015.
Reply
BasavarajTonagattisays
December24,2014at3:02PM
GopalSelectonelargecapfromabovelist.
Reply
yuvsays
December23,2014at11:38PM
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baveshji!iamverynewinvesterinmutualfund.Ineedurguidanceirecentlyinvestedonpnbmet
lifesmartplatinumforfiveyearsformytwokidseach99000ayear.Howdoiproceedformyselfi
amaged47yearsearncoupleoflakhsmonthly.Shouldigoforsbidynamicfund.orsomelargecapu
suggestplease.
Reply
BasavarajTonagattisays
December24,2014at10:33AM
YuvFirstletmeknowhowyouchosenMetLifeplan?Doyouthoughtitasmutualfund?
Reply
yuvsays
December24,2014at10:18PM
yes!agenttoldmethis.Ibadlyneedyourguidanceforinvestment.Sometaxsaverand
makewhitemoney!
Reply
ASParanjapesays
December23,2014at2:39PM
1.RelianceEquityopportunitiesandPremierequityarenotinthecategoryofsmall&midcap
schemeastheyaremuliticapanddonothavemandatetoinvestinanycap.
2.OnecanargueagainstrecommendingofFranklinBluechipastherearebetterschemeslikeBSL
frontline.
Reply
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BasavarajTonagattisays
December23,2014at2:58PM
ParanjapeRegardingcategoryIrefereedtheVR.Mysuggestionsarelistedabove.Youmay
comeoutwithsomanypermutationandcombinationandselectafund.SoIamnotagainst
yourchoice.IhavechosenthesefundsbasedonthecriteriaIsharedabove.
Reply
ramsays
December23,2014at12:48PM
Alreadyinvestedsufficientmoneyinbankfixeddeposits.Alsoinvestedinmutualfundsfor4to5
years.Nowmutualfundreturnisverygood.myquestionsareasfollow.
Whatstrategyweshouldkeeptobookprofitfrommutualfund?specificallyIdontneedthismoney
innearfuturefornext10years.
Whataboutinvestingindebtfunds?(ihavesufficientinvestmentinfixeddeposits).Anyspecific
reasonwhyweshouldinvestindebtfundsoverandabovefixeddeposits.
Reply
BasavarajTonagattisays
December23,2014at2:53PM
RamYouneedtocomeoutofequityonlywhenyourgoalisaround23yearsaway,butnotlike
whenmarketishigh.Becausewedontknowtodayshighmayagainbelowafterfewdays.Debt
Fundsgoodonlyincaseyourtimehorizonismorethan3yearsasduetoindexationbenefit
theymaygiveyoubetterreturnoverFDs.ButdorememberthatDebtFundsalsobearsrisk.
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Rajeshsays
December23,2014at12:19PM
DearSir,
Iamnewtothemutualfundinvestment&plantostartinvestingfromJanuary2015.Myoverall
budgeisaround2000Rs.permonth&planningtoinvestinSIPbasis.Iwanttoinvestfor10years&
expectedreturnswillaround15%.SopleasesuggestmegoodSIPfunds.
Thanks&Regards,
Rajesh
Reply
BasavarajTonagattisays
December23,2014at2:51PM
RajeshYoucanselectonelargecapfundfromabovelistandinvest.
Reply
Rajeshsays
December24,2014at12:05PM
ThankYouverymuchforyourguidance.
Reply
BrahmanandaReddysays
December23,2014at12:04PM
Sir,
IhavestartedinvsetnginmutualfundsfromDec2014inFranqlinIndiaBluechip(G)
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1K/month(minmum10years).
CanIaddbelowtomyportfolio?
RelianceEquityOppFund(G)1K/month((minimum10years))
HDFCBalanceFund(G)1K/Month(minimum5years)
ICICIPruTaxPlan(G)25K/year(fortaxsavingminimum5years)
Thanks,
Brahmanandareddy
Reply
BasavarajTonagattisays
December23,2014at12:13PM
BrahamandaYoucanaddHDFCandICICI.
Reply
ashishsays
December22,2014at3:39AM
RespectedBasavarajSir,
ManyThanksforyoureffortstoempoweruswithInvestmentIdeas.
Sir,Iwouldliketogetyouropiniononmyportfolio:
HDFCTop200:15000/PM
HDFCEquity:15000/PM
Mytimehorizoneis12+years.Thesefundsisalectedformykidseducation.Ialsowouldliketo
investanother10000/PM,afterseeingyourlistizeroedtoICICIBalancedfund,butitsassetvalue
andreturnarelessthanHDFCBalancedfund.IfIsalectHDFCBalancedfundmyallinvetmentgoes
tosingleAMCwhichprobablynotgoodidea.
shalligoforICICIBalancedfundaloneforallamountorIsplitequallyitwithHDFCBalancedfund.
Mytimehorizoneforthisfundwillbeinbetween57years.
Yourvaluablesuggessionisappreaciated.
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WithRegards
Ashish
Reply
BasavarajTonagattisays
December22,2014at9:40AM
AshishInyourcurrentinvestmentthereisanoverlapofaround72%.Itmeanseventhoughyou
areinvestingintwodifferentfundsandcategory,butunderlyinginvestmentoverlap72%.Sono
diversification.InsteadIsuggestyoutoretainHDFCTop200andselectonesmallandmidcap
fromabovelist.Balancedfundformorethan12+yearsinneed?Thinkanddecide.
Reply
amarsays
December21,2014at7:13PM
caniputsomeofmyemergencyfundinginelss.caniredeemthiswheneverirequire.ithinkifwant
toinvestinelssonetimeinvestmentwouldbebetter.
Reply
BasavarajTonagattisays
December21,2014at7:57PM
AmarEmergencyfundinEquityandthattooalockinproductcalledELSS?Whetheritisone
timeorSIP,emergencyfundalwaysmustbeinsafestinstrument.
Reply
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amarsays
December21,2014at7:01PM
Isitagoodoptiontoinvestinelss.mytaxlimitfor80ciscompletedfromotherinvestments.ihave
heardthatthereturnsfromelssis17%frompast5yrs.isittrue.isitabestinvestmentoptionfor
shortterm.
Reply
BasavarajTonagattisays
December21,2014at8:00PM
AmarIalreadyrepliedtoyourquery.Noequityforshortterm.
Reply
amarsays
December21,2014at11:03PM
sir,
ificangoforlongterminvestmentisitagoodoptiontoinvestinelss.
Reply
BasavarajTonagattisays
December22,2014at9:50AM
AmarDrawbackofELSSis,eventhoughfundnotperformingwellyouhaveto
continueuptolockinover.SochooseabestELSSandinvest.Oncelockinovereither
continueinsamefundorswitchtootherfunds.Butmustbelongtermview.
Reply
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Nageshsays
December21,2014at5:00PM
HiSir
CurrentlyIaminvestinginthefollowingSIPs5000INRpermonth
UTIOpportunitiesFund(G)INR1000
BirlaSunLifeFrontlineEquityFund(G)INR1000
Relianceequityopportunityesfund(G)INR1000
ICICIPrudentialFocusedBluechipEquityFund(G)INR1000
Kotak50(G)INR1000
IwanttoincreasethisamountINR10000permonth.Iwanttokeepthatforalongtermformykids
education.
Couldyoupleasesuggestwhethertoincreasetheinvestmentintheabovesamefundsortoinvestin
otherfunds.
Thanks
Nagesh
Reply
BasavarajTonagattisays
December21,2014at8:03PM
NageshWhysomanylargecapfunds??
Reply
AakashJhasays
December20,2014at7:07PM
ImustAppreciateyoureffort,
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Iaminneedofsomeonelikeyoutohelpmetoplanmyfinancial,hencecanihaveyournumberor
personalmailidshowthaticancontactyou.
Hopingthebestfromyourside
Regards
Reply
BasavarajTonagattisays
December20,2014at7:08PM
AkashYoucandropthemailatbasavaraj@basunivesh.com
Reply
Kumarsays
December20,2014at3:54PM
HiBasu,
Firstofall,wouldliketoappreciatetheeffortsyouaretakingtocreateawarenessonmutualfunds
andinvestmentstopublic.
Iamplanningtoinvestmentinmutualfundswhichiscompletelynewtomeandiamlookingfor
longtermofmorethan1012yearskind.Mymonthlyinvestmentcapacityonmutualfundswould
bearound1215kanddontmindtakingrisk.
Aftergoingthroughthearticlesandperformanceizeroedonfollowingfunds,canupleasesuggest
whetheritisworthtogowithorifsomethingbetteristherecanupleasesuggest.
ICICIProfocussedbluechipfund5000
HDFCMidcapopportunitiesFund5000
ICICIPrubalancedfund2500
Birlasunlifedynamicbondfund2500.
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Kindlysuggest
Kumar
Reply
BasavarajTonagattisays
December20,2014at6:00PM
KumarChooseonelargecap,onesmallandmidcapandonebalancedfund(ifpossible)from
yourlist.Threefundsareenough.
Reply
V.SUBBAREDDYsays
December20,2014at2:17AM
HiBasuSir,
MycurrentSIPPortfolioisasunder
1.SBImagnumGlobalFund1k
2.SBIemergingbusinessfund1k
3.SBIBluechipfund1k
4.SBIpharmafund1k
5.SBIFMCGFund500rs
6.SBIInfrastructureFund500rs
7.ICICIDynamicplan1k
8.HDFCmidcapopportunitiesfund1k
Iamnewtothis,Shouldicontinuewiththisportfolio?richangemyportfolio?
Fromlast6monthsiamoptingtheabovemutualfunds.
Thanks
Reply
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Top10BestMutualFundstoinvestinIndiafor2015BasuNivesh
BasavarajTonagattisays
December20,2014at5:50PM
SubbaIamnotfanofSBIandtheyarenotatgoodasyouselectedsectorfunds.Secondfunds
aremoreriskytodiversified.Sobettertocomeoutofthosefunds.ButIamcomfortablewith
resttwoICICIandHDFC.
Reply
Bhavinsays
December19,2014at11:50AM
IstartedSIPsfor13k/monthinbelowMFsforlongtermGoalsfor710years.
1.ICICIPrufocussedbluechip(LargeCap)Rs.5000/Month
2.ICICIPruvaluediscovery(MidCap)Rs.4000/Month
3.RelianceequityOpp(FlexiCapDiversified)Rs.4000/Month
Iamplanningtoincrease10%everyyearinSIPs.
PleaseprovideyourinputslikeAreaboveMFsaregoodfundforlongterminvestmentandany
changesrequireinexistingSIPs.
Reply
BasavarajTonagattisays
December19,2014at12:28PM
BhavinYoucancontinuethesame.
Reply
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Vaibhavsays
December18,2014at7:27PM
HiBasu,
IveinvestedinUTIEquityDirectGrowth.However,Ididntfindtheexpenseratiofordirect
planonVR.
AnyideawherewouldIgetthisandyourvaluableopinionontheFundhouseandthisfundin
particularplease?
Thanks,
Vaibhav
Reply
BasavarajTonagattisays
December19,2014at9:40AM
VaibhavIfitisnotavailablewithVRthenyoucandirectlyaskthemutualfundcompany.They
willprovidethatinformation.
Reply
Vaibhavsays
December19,2014at1:28PM
ThanksBasu.IllhavetospeaktotheirCSteamasIcouldntfinditonUTIMFwebsitetoo.
CanyoupleaseprovideyourvaluableviewsonUTIEquityDirectGrowthfund?
Reply
BasavarajTonagattisays
December19,2014at1:35PM
VaibhavItisgoodfund.Youcancontinue.
Reply
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SabKsays
December18,2014at6:13PM
Hi,
Iamplanningtoinvestinthefollowingfunds:
UTImidcapINR2,500/(3years)
HDFCbalancedfundINR1,500/(3years)
Isthisidealoraretherebetteroptions?IhadICICIbalancedfundinmind,butnotverysure.Also,
canyoupleaseletmeknowgoodretirementplanoptioninmutualfunds?
Thankyou,
Sabitha
Reply
BasavarajTonagattisays
December18,2014at6:24PM
SabHowyouoptedthesetwofunds?AsofnowtherenosuchBESTretirementplan.Youneed
tocreateyourowncorpus.
Reply
Ramsays
December17,2014at9:48PM
HiBasu,
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Currently,IamholdingthebelowfundssinceMarch2014.
1.HDFCMidCapOpportunitiesFund(G)1000k(SIP)
2.ICICIPruFocusedBlueChipEqFundReg(G)2000k(SIP)
3.UTIOpportunitiesFund(G)1000k(SIP)
4.RelianceRegSavingsFundEquityPlan(G)1000k(SIP)
Pleaseletmeknow,whetheritsfineorswitchtoanyotherfundswhichmentioned(2015)byyou.
Thanks.
Regards
Ram
Reply
BasavarajTonagattisays
December18,2014at12:17PM
RamCurrentlyUTIisunderlargecap.Soyouhavetwolargecapfundsnow.Ifpossibleretain
one(eitherICICIorUTI).
Reply
Ramsays
December18,2014at3:46PM
ThanksBasu.
CouldIchangeICICIPrudentialDynamicPlan(G)insteadofUTIOpportunitiesFund(G)?
IsitpossibleinFundsIndiaportal?
Reply
BasavarajTonagattisays
December18,2014at6:15PM
RamIfyouintendtochangethendoso.YesyoucandoitinFundsIndia.
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Reply
Shreyassays
December16,2014at11:17AM
HiBasu,
MycurrentSIPPortfolioisasunder
BirlaSLTop1ooFund(G)2k
RelianceEquityTaxSaver(G)2k
CanaraRobecoEmergingEquity(G)1k
1.Shouldicontinuewiththisportfolio?
2.Imworkinginpvtsectorsoidonthavepfoption.Canusuggestbestretirementplan?
Thanks
Reply
BasavarajTonagattisays
December18,2014at12:49PM
ShreyasYoucancontinue.Butdontforgettoreviewonceinayear.
Reply
Shreyassays
December18,2014at4:23PM
ThanksBasu.
Ihopeuforgottoanswermysecondquestion.
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Reply
BasavarajTonagattisays
December18,2014at6:20PM
ShreyasCanyourepeatonceagain.MaybeImissedduetolongpendingcomment
repliesduetomyholidays
Reply
Shreyassays
December19,2014at1:21PM
Hi,
MysecondquestionwasasImworkinginpvtsectorsoidonthavepfoption.
Canusuggestbestretirementplan?
Reply
BasavarajTonagattisays
December19,2014at1:32PM
ShreyasSadlynonebettertocreateyourownretirementcorpusby
investinginequitymutualfunds(iftimehorizonismore).
Reply
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NiteshSharmasays
December16,2014at12:24AM
HiBasavaraj
NeedHelpincalculatingtheSDofmutulFundscanyoupleasehelpwiththevaluesInputand
Formula,ItwillbeRealyGreatHelp.
Reply
BasavarajTonagattisays
December18,2014at12:54PM
NiteshWhatisyourdoubt?Idontthinkitisrequiredtodocalculationatyourendasall
informationeitheravailableatAMCendorwithfewsites.
Reply
Srisays
December15,2014at10:50PM
Basu,
Thanksforthelist.IwouldliketoknowwhyICICIpruvalueDiscoverydidnotmakeittothelist?
Ideally,whichcategoryoffundsdoesitgetcomparedwith?Thanks!
Reply
BasavarajTonagattisays
December18,2014at1:13PM
SriYoucanadd,Idonthaveanyissue.ButIslightlystayedawayduetoitsSD.
Reply
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chandrasays
December15,2014at11:04AM
HelloBasu,
Goodtoseelistfor2015
IsthatTypoerrorintheaboveeverywhereyoumentioned2014.Anywaysnoissues.
MyquestionisactaullyiamplanningtoinvestonFranklinTempletionTaxshield(G)ELSScategory.
Butwhatdifferenceitmakesifioptinpersonandthroughadvisor.Whatdoyousuggest?
Reply
BasavarajTonagattisays
December18,2014at1:19PM
ChandraSoSorry!!!Icorrectedthemistake
Reply
Surajsays
December14,2014at6:30PM
HiSir,
IaminvestingRs.1000/permonthinHDFCTop200fundasSIPforthelast2years,isitwiseto
investinthesamefundforahorizonof20yearsastheNAVisveryhigh.ShouldIcomeoutofit?
AlsoIwanttoinvestinanother2SIPsRs.2000permonthtimeperiodof15to20yearssoplease
suggestsomegoodfunds.
Regards
Suraj
Reply
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BasavarajTonagattisays
December18,2014at3:22PM
SurajContinueinHDFCFundandselectonemorefundfrommidandsmallfundcategory.
Thesetwoareenough.
Reply
RParikhsays
December14,2014at12:05PM
Good,Sirwhataboutdebtshorttermaswellasmediumtolongtermhowaboutyour
recommendationsforsuchmutualfundstoinvestnow?
Reply
BasavarajTonagattisays
December18,2014at3:26PM
ParikhLetmecomeoutofDebtcategoryseparately.
Reply
Alpeshsays
December13,2014at11:42PM
sirpleasehelpmetoselectthefundiwanttoinvest2kpermonthandihavelongtermperspective.
Andmycurrentageis22soonthatbasiswhichfundishouldselect.
Reply
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BasavarajTonagattisays
December18,2014at3:28PM
AlpeshChooseonelargecapandanothersmallandmidcapfundfromabovelist.
Reply
ramusays
December13,2014at9:00PM
HI,
iminvestingfrompastoneyearinbelowfunds.
iwanttoknowarethereanyoverlappinginbetweenthesefundsicicivaluediscoveryfundandand
icicifocusedbluechipfund.
doineedtochangemyportolioandmyinvestmentduringis710years.
Reply
BasavarajTonagattisays
December18,2014at3:35PM
RamuLetmegiveyouworkinsteadofreadymadeanswer.Gotovalueresearchonline,search
abovefunds,thengoforportfoliotab,thereyouwillfindtheunderlyingsectororstocks.You
willgetfairideaandifpossiblesharewithmeofwhatyoulearnt.
Reply
swanjankumarsays
December13,2014at8:23PM
HiBasu,
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Iwanttoinvest2000permonthonmutualfunds.Iamnewintothiskindofinvestment.Couldyou
pleasesuggestmetheoptionsforinvestmentinmutualfund.
Thanks
Swanjankumar
Reply
BasavarajTonagattisays
December18,2014at3:35PM
SwanjanOnelargecapandanothersmallandmidcapfromabovelistissuffice.
Reply
amarsays
December13,2014at7:22PM
hisir,
imnewtotheseinvestments.iwanttoinvest2kpermonthfor1520yrs.whichtypeoffundsshouldi
select,largeormidorsmall,orelseshalligoforbalancedfunds.plshelpmeinthisregard.thesefunds
shouldhelpmeaftermyretirementormychildrenseducation.
iwillbeabletotakemediumriskasim30yrsnow.
Reply
BasavarajTonagattisays
December18,2014at3:37PM
AmarOnelargecapandanothersmallandmidcap.
Reply
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Sujeetkumarsays
December13,2014at4:53PM
Hello
MyCurrentInvestmentisasbelow
UTIOpportunity2k
ICICIPruValueDiscovery2k
ICICIBalanced2k
NowIamplanningtoaddfewnewinvestmentasbelow
ICICIPruFocusedBluechip2k
ICICIPruDynamic2k
HDFCMidCapopportunity2k
WhatshouldIdo,Isitok??orneedimprovementpleaseguide.
Reply
BasavarajTonagattisays
December13,2014at6:47PM
SujeectDoyoufeelyouneedanotherthreefundsforyourfreshinvestment?Alsohaveyou
checkedabouttheportfoliooverlapinexistingfunds?
Reply
AvinChhanganisays
December13,2014at3:48PM
Hi,
YouhavementionedthatyoudidnotselectHDFCTop200becauseofstandarddeviation.Even
thoughIdidaquicksearchonthatconcept,Idappreciateifyoucanelaboratethispoint.
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Also,ifmyinvestmenthorizonis20+years(Im23yearsold),whichwouldbebetter:Franklin
BluechiporFranklinPrimaPlus?Thanks.
Reply
BasavarajTonagattisays
December13,2014at6:43PM
AvinPleasechecktheSDofallthreefunds(Franklin,ICICIandHDFC),thendecideyourself.
Botharegood.
Reply
Naveensays
December13,2014at12:19PM
Sir,
Amongmidcapfunds,FranklinIndiaSmallerCos.seemstohavebetteralpha,lowbetaandstd.
deviationandgoodreturns.Whatsyourtakeonitforlongtermlike20years?
Reply
BasavarajTonagattisays
December13,2014at6:41PM
NaveenIfyouarecomfortablewiththatfundthenyoucangoahead.Iselectedthesefunds
basedonmycomfortandresearch.
Reply
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JAyyappansays
December13,2014at10:45AM
Sir,IamcurrentlySIPinginUTIOpportuntieisforthepast2years.ConsideringUTIEquitys
performance,ihaveafeelingtomoveittoUTIEquityfromUTIOppFund.Isitadvisableornot?I
amalreadyingSIPPINGinallthefundsmentionedbyyoufor2015exceptFranklinIndiaBluechip.
Overandabovethesefunds,ialsoSIPinginICICIPruDiscoveryFund.Pleaseadvice
thanks
JAN
Reply
BasavarajTonagattisays
December13,2014at6:40PM
AyyappanDoyoufeelitismandatorytohavealllistedfunds?NoasIsaidabove,maximum3
4fundsareenough.
Reply
UmaShankarPatnaiksays
December12,2014at7:12PM
HiThanksforyouradviceKindlycheckmypreferenceandplsguidemeinselectingoneoutof2
forSIPinbelowmentionedfunds
1.ICICIpruBlueChipEquityorUTIEQuity2K
2.HDFCMidCaporUTImidcap1K
3.HDFCbalancedorICICIbalanced2k
4.ICICIchildcareStudyorHDFCmultpleyield(HybridConservative)1K
onetimeinvestmentPharmaSectorRelianceorSBIPharma10K,debtlongterm10k
plshelpinselectingtheabovefundsandtellmemyplanningisokornot
Reply
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BasavarajTonagattisays
December12,2014at7:40PM
UmashankarICICIPruBluechipandHDFCBalanced.Iamnotabigfanofanysectorspecific
investments.
Reply
UmaShankarPatnaiksays
December12,2014at8:50PM
Thanksforthehelp..butwhatyourstakeonMidcap?
Reply
BasavarajTonagattisays
December12,2014at10:31PM
UmashankarTwofundsareenoughandautomaticallytakecareofyourdebtportion
too.
Reply
Anshusays
December12,2014at5:39PM
HelloSir,
Thanksforthelist.Iamwaitingforthelist.
AsUTIOpportunties[G]movetoLargecap.InmyportfolioIhadalreadyalargecapfundICICIPru
FocussedBluechipEquity[G]
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Whatcanwedointhissituation?
Thanks&Regards,
Anshu
Reply
BasavarajTonagattisays
December12,2014at6:07PM
AnshuIexpectedthisquestionfromsomeone Noneedtoworry.Waitforanotheryearorso.
Becausethatfundisalsodoinggood.
Reply
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