Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh.pdf

1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh

http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 1/86

You are here: Home / Investment Planning / Top 10 Best Mutual Funds to invest in India for 2015

Top 10 Best Mutual Funds to invest inIndia for 2015December 12, 2014 by Basavaraj Tonagatti — 233 Comments

The market looks very positive and all equity mutual funds showing huge returns. So which one to choose,

those who are consistent or those which given 60% to 70% return in this booming market? Let us shortlist

the funds for your investment in mutual funds for 2015.

Before proceeding, last year I wrote a post “Best 10 Mutual Funds to Invest in India for 2014“. So let us review

how those funds are performing. Then we proceed to this year’s choice.

Home About BasuNivesh OldArticles Services Contact us

Mutual Funds OnlineBuy Mutual Funds Online with Ease @ ICICIDirect.com. RegisterNow!

http://www.basunivesh.com/services/

http://www.basunivesh.com/archive/

http://www.basunivesh.com/contact/

http://www.basunivesh.com/category/investment-planning/

http://www.basunivesh.com/

http://www.basunivesh.com/about/

http://www.basunivesh.com/author/basunivesh/

http://basunivesh.com/


http://www.basunivesh.com/2013/12/30/best-10-mutual-funds-to-invest-in-india-for-2014/



NoteAll values are taken from valueresearchonline and values are as of today.

How I am selecting funds?

I first short listed funds category wise, like large cap or large and mid cap like that.

Funds must be at least 5 years old.

AUM of the fund must be around Rs.1,000 Cr, as it creates faith among investors.

Some other technical terms like expense ratio, standard deviation, alpha, beta, Sharpe or Sortino.

Finally, my faith in mutual fund company and its business model.

I picked the funds based on 5 years as well as 10 year return.

I have not gone through any star ratings to choose these funds.

Why I have chosen 10 funds only?

I know lots of us have wrong belief that having so many funds across fund houses will actually diversify our

portfolio. It is totally a wrong concept. You forget to understand the underlying stocks each fund holding or

your overall portfolio holding. Therefore, it creates to such huge risk that our investment may be highly

exposed to specific sectors or stocks. In addition, it is one more misconception that few go on add funds for

each of their goals or fresh investments. This also not a better idea. Instead, stick 34 funds maximum and

invest in them. This keeps your head cool, simple, and easy to track.



Best 2 Large Cap Funds to Invest in India for 2015

I short listed the funds and found that these two below funds are my best choice. Because of their expense

ratio, lower standard deviation to their peers, higher alpha, lower beta and high in Sharpe ratio and Sortino

ratio.

I stayed away from few Index funds, which have a less expense ratio, but AUM also not fits into my comfort.

However, if AUM does not matter to you then you consider some Index Funds too. I stayed away from HDFC

Top 200 Fund only because of higher standard deviation to above funds. Otherwise, I strongly advocate

towards that fund.

Best 2 Large and Mid Cap Funds to Invest in India for 2015

When you compare this year choices to previous year’s,you find that both of earlier funds missing. I removed

UTI Opp Fund, because it moved to large cap. I removed Quantum only because of ICICI’s superior

performance compared to Quantum (even though Quantum claims to be less expensive fund).

Best 2 Mid and Small Cap Funds to Invest in India for 2015

Here you notice that I retained Reliance Equity Opp Fund, but discarded the IDFC Premier Equity Fund. It

does not mean that IDFC Fund is bad. However, the results in my review were almost necktoneck between

HDFC, IDFC, and Reliance. I selected HDFC only because of its superiority in higher alpha and Sharpe ratio.

In addition, when you look at return wise, I found HDFC holds better than IDFC.

Best 2 Balanced Funds Equity Oriented to Invest in India for 2015



I retained the same old funds, which I recommended previous year. Therefore, no change in it.

Best 2 Tax Saving Mutual Funds (ELSS) to Invest in India for 2015

Here again, I deleted one fund and retained the previous year recommended fund. I deleted Canara Robeco

only because I felt low alpha and Sortino ratios. Also, compare to above two funds Canara Robeco seems to be

costly when we consider expense ratio.

Do remember that to construct a portfolio it does not require to have a fund from each category. Construction

of portfolio again depends on one’s requirement, risktaking ability, period of the goal and many more things.

Similar Stories...

Swing STP (Systematic Transfer Plan)New Facility by Mutual Funds

Mutual FundsUnderstanding the Tracking Error

InflationWhat it mean to our investments?

15 Simple New Year Personal Finance Resolutions

Gold JewelleryAre you getting the right value?

About Basavaraj TonagattiI am a Certified Financial Planner by qualification and currently living in Bangalore. I am

using this platform to spread knowledge about Personal Financial Planning. Hope you too

join me in spreading this awareness :)

Term Plan CalculatorCalculate 46 Insurer Premium Online Compare Save Money & Buy BestPlan

Share & Comment 27 1 6 2

http://www.basunivesh.com/2012/02/15/swing-stp-systematic-transfer-plan-new-facility-by-mutual-funds/

http://www.facebook.com/sharer.php?u=http://www.basunivesh.com/2014/12/12/top-10-best-mutual-funds-to-invest-in-india-for-2015/

http://www.basunivesh.com/2013/09/20/mutual-funds-understanding-the-tracking-error/

http://www.basunivesh.com/2013/11/28/gold-jewellery-are-you-getting-the-right-value/

http://www.basunivesh.com/2012/01/21/inflation-what-it-mean-to-our-investments/

https://plus.google.com/share?url=http://www.basunivesh.com/2014/12/12/top-10-best-mutual-funds-to-invest-in-india-for-2015/

https://www.linkedin.com/cws/share?url=http://www.basunivesh.com/2014/12/12/top-10-best-mutual-funds-to-invest-in-india-for-2015/

https://twitter.com/share?original_referer=http%3A%2F%2Fwww.basunivesh.com%2F&source=tweetbutton&text=Top+10+Best+Mutual+Funds+to+invest+in+India+for+2015&url=http%3A%2F%2Fwww.basunivesh.com%2F2014%2F12%2F12%2Ftop-10-best-mutual-funds-to-invest-in-india-for-2015%2F&via=basunivesh

http://www.basunivesh.com/2014/12/22/15-simple-new-year-personal-finance-resolutions/



Comments

Rohit Mishra says

January 12, 2015 at 7:27 PM

Hello Sir,

I wanted to invest 30000 rs per month in SIP. I am already investing 150000 in PPF ,50000 in

insurance and 100000 in Bank FD annually.

I have selected below fund.

SN Fund Amount/month

1 ICICI Prudential Focused Bluechip Equity Fund (G) 4000

2 UTI Equity Fund (G) 4000

3 Birla Sun Life Top 100 Fund (G) 4000

4 Franklin India Smaller Companies Fund (G) 2500

5 HDFC MidCap Opportunities Fund (G) 2500

6 Reliance Small Cap Fund (G) 2500

7 UTI Mid Cap Fund (G) 2500

8 Franklin India High Growth Companies Fund (G) 3000

9 Reliance Equity Opportunities Fund – Retail Plan (G) 3000

10 ICICI Balance Fund 2000

Please suggest if the above selecting is correct for 10 year.

Also I need one below suggestion

a. Which one is better Birla Sun Life Top 100 Fund or Birla Sun Life frontline equity. As when I

compared 1 ,3 and 5 year returns Birla Sun Life Top 100 Fund has always given little more than Birla

Sun Life frontline equity. Also is any other equity fund in large cap which is better than Birla fund

e.g. Axis equity or Mirae Asset India Opportunities Fund or HDFC top 200 or BNP Paribas or SBI

blue chip .I am little confused as money control as has given different rating for funds

b. Is it right decision to invest in 4 small & mid cap fund? or shall I distribute them amount(10000)

in 23 fund only.

c. Is my money distribution in different mentioned fund is right? Considering my other investment

of 3 lakhs per annum in PPF, Insurance and FD/debt fund.

Please advise.

Thanks & regards

Rohit



Reply

Basavaraj Tonagatti says


RohitWhy so many funds? Please go through my earlier comments and above post. You will

find my answer.

Reply

JJ says


Sir,

Thanks a lot for sharing the valuable information.

I wanted to know the best pension plan available in the market. I am working in IT sector.

I have taken LIC’s retire and enjoy. But seems like its not a good plan.

Please advice us any retirement plan for payment term 15 years .

JJ

Reply



JJSadly as of now there is no such BEST retirement plan available in Inida. Retire and Enjoy is

the such another WORST plan to name.

Reply

http://www.basunivesh.com/2014/12/12/top-10-best-mutual-funds-to-invest-in-india-for-2015/?replytocom=74032#respond








Rahul says


Sir,

My current SIP split up of 4500/month is as follows:

HDFC Top 200 – 1000/month

HDFC Mid Cap – 1000/month

UTI Opportunities – 1500/month

UTI MNC – 1000/month

I would like to increase my SIP investment to 10000/month. Please suggest if I can continue in the

above funds.

If so what should be my SIP split up. Also, please suggest if I should exit from any of the above funds

and invest in another fund. I’m 30 years old and my investment period is for the next 20 years.

Reply



RahulRetain HDFC Top 200 or UTI Opp and I am not big fan of sector funds. So I might have

avoided UTI MNC.

Reply

VIPIN says

January 12, 2015 at 10:12 AM

Hi Basavaraj,

Greetings for the day!

Appreciate your suggestions/advice.






1. I have currently 6 lac Rs in hand and same i need it within time frame of 68 months. Can you

please suggest me better option to invest the same?

2. I am looking forward to invest Rs 10,00o per month in SIP. Ready to take higher risk. Kindly

suggest best one suited for me.

Age – 26 Years

Married – Yes

Income – 5 lac +

Regards,

Vipin

Reply


January 12, 2015 at 10:57 AM

VipinFor your first query, suggest you either use Bank FDs or short term debt funds. Regarding

second query, may I know you understanding of “ready to take higher risk”?

Reply

Dr. S. Raut says

January 12, 2015 at 12:19 PM

sir, i want to start SIP in Axis MidcapG , DSPBR Micro Cap RegG , HDFC EquityG ,

Sundaram Select Midcap RegG, what is your opinion ? I am planning to inest for minimum 10

years, sir what are your suggestions ?

Reply


January 12, 2015 at 12:28 PM

Dr.S.RautHow you selected these funds?








Reply

Dr.S.Raut says


sir, these funds are suggested by agent , as i want to invest only in equity with risk .

Reply



Dr.S.RautOne more question What do you mean by risk (I mean according to

you)?

Reply

Vishal Saxena says

January 11, 2015 at 11:09 PM

Hi Basu,

Gr8 Job by you..!!

Spreading Happiness & Making them Aware in a straight and fair way is one of your strongest

traits..!!

Your advise is desired for below.

A)

SIP : For both fund, Planned as 2K/Month , Horizon – 10 Years (Total Investment – 480,000,







Expected Return – 1520% in year 2026 an amount of principle + desired retrun)

1. ICICI Pru Value Discovery Fund Direct (Growth)

2. ICICI Pru Dynamic Fund Direct (Growth)

M i on a right track ?

B)

What is your advise on Fund Performance and Delivery of Returns with a rate of 1520%

1. BSL Focused Equity Fund – Series 4 (U/S 80CCG of IT ACT)DIVREGULAR.

2. SUNDARAM WORLD BRAND FUND SR 21800 DAYS REGULAR DIVIDEND.

3. ICICI Prudential Growth Fund Series 5 Direct Plan Dividend Payout

I have invested in above three NFOs with a vision of fulfilling the desired return %. What you would

advise on Fund (NFO) ?

Regards,

Vishal

Reply

Anand says

January 11, 2015 at 7:14 AM

Hi Basu,

I have been investing in following funds Rs.2,000 each since Feb2013 in SIP i.e. total investment of

Rs.10,000 per month.All the funds are in growth option.

HDFC Top 200

HDFC Mid cap Opportunities

IDFC Premier Equity

Reliance Equity Opportunities

SBI Emerging Business

Can I know your view whether to continue investing in above funds or any changes required.

Thank you.




Reply


January 11, 2015 at 11:43 AM

AnandWhy so many small and mid cap funds?

Reply

Anand says


Last one year I felt small and mid cap funds performed well compared to large cap funds.

Plz suggest me if any addition or deletion for a balanced portfolio.My primary objective to

invest 10 to 15 years to meet the expense later.

Reply


January 11, 2015 at 10:44 PM

AnandBut don’t over invest in small and mid cap.

Reply

Subodh Deshpande says

January 10, 2015 at 12:40 PM

Hi,

I was investing in below listed funds from last 4 years (INR 1000 each), should I continue to invest in

the same.









Franklin India Blue chip Fund

Reliance RSF Equity option

HDFC Prudence Fund

HDFC Mid Cap Opp.

Franklin Smaller companies Fund

All funds are Growth Option Funds.

Thanks & Regards

Subodh

Reply


January 10, 2015 at 12:52 PM

SubodhWhy can’t retain one mid cap among Franklin or HDFC? Rest are acceptable.

Reply

Subodh Deshpande says


Hi Basavaraj,

Noted with Thanks.

I want to continue this investment for 7+ years at least.

I want to invest some lump sump amount in MF in next 2 years for holding period of 10+

years. Can it is possible to suggest MF for the same.

I was listed below funds. Kindly let me know your opinion for the same.All are Growth

Option

Franklin Templeton Prima fund.

Franklin Templeton Prima Plus

ICICI Dynamic fund

ICICI discovery Fund

HDFC Equity Fund






UTI Opprtunities

Reply


January 11, 2015 at 11:55 AM

SubodhIn my view one large cap and another small and mid cap fund is enough.

Reply

Amandeep says

January 10, 2015 at 12:45 AM

Sir,

New year greetings to you! One question in the context of mutual funds, though not related to the

“best funds” topic that your article talks about. How do GSec/gilt funds work and manage to give

some profit to the investor (agree that the rate is much less than other equity categories)? I recall

seeing somewhere a summary of performance of various funds and was surprised to see return rate

for 3year period for some longterm gilt funds being close to 12%, which is around 3 percentage

points higher than most bank fixed deposits. Given that gilt funds are for government securities/bills

(as opposed to being equities/debtbonds of profitoriented private sector), how does the

government give back (on an average) to investors a profit that is higher than that what banks give?

Banks get a lot of income from interest paid on loans they lent out, but how does government make

profit from security bills I thought are primarily meant to meet government’s needs, which obviously

are not expected to be profitoriented but rather administrationrelated expenditures, expenditure

on government projects which again are peopleoriented rather than being profitmotivated? Just

curious to know this. I understand that the question is more related to economics rather than to

individual finance planning

Reply









AmandeepYou misunderstood that Govt will give more than 3% to what is obliged on that

particular bond. To simplify it. Let us say you hold a bond face value of Rs.100 and offering 8%

yearly interest. Assume that currently banks offer 8.5% return on their FDs. So which one new

investor look for? Obiviously the Bank FDs. Because it offers more than your bond. After few

days let us say Bank reduced it’s interest to 7.5% on their FDs. Then where new investors look

around for? They search for the bond sellers who are holding the bonds which are offering more

than Bank FDs, I mean you. In that case you may offer them the selling price at Rs.105 (you

bought it at Rs.100). By doing so you book the profit of Rs.5+any interest that bond already paid

you. This is what exactly happens with bond funds. To be precise when interest rate falls in

outer market then bond prices raise and it is reverse when banks raises interest rates. Do

remember that bond funds are not risk free. Higher the tenure of bond higher the risk. So don’t

be in wrong belief that Bond Funds are risk free or Govt actually pay the 12% return.

Reply

Pavan says


Hi,

I want to invest around 10000 rs /month for a time horizon of more than 10 years in mutual funds ,

can you suggest me how should i split my investment. My goal is to create a healty corpus and i am

open to high risk funds.

Pavan.L

Reply

Pavan says


Please do suggest my with the best funds that i can go with. I will not need any ELSS funds in

my folio.






Reply



PavanIt is already listed above.

Reply



PavanOne large cap, one small and mid cap and if possible one balanced funds are enough.

Reply

sachin says


I have started investment in SIP of RS 18000 with time horizon of 10 yrs plus with

moderate to aggressive risk appetite. I have already invested in PPF ( 5000/MONTH) AND PLI (

5000/mth).Kindly suggest which fund to continue and or replace as i can invest upto 20 –

25000/mth .

1.ICICI Prudential Focused Bluechip Equity Retail Growth: 3000/mth

2.UTI Dynamic Bond Growth: 3000/mth

3.HDFC MidCap Opportunities Fund Growth: 2000/mth

4.Canara Robeco Emerging Equities Growth: 2000/mth

5.UTI MNC Fund Growth:2000/mth

6.HDFC Balanced Fund Growth:3000/mth

7.UTI Opportunities Fund Growth: 3000/mth

Reply











SachinWho selected these funds for you? Whether you did research before investing?

Reply

sachin says


hi

these funds were suggested by a relative of mine but i am not sure i should invest in all of

them or replace some of them with better prospects

Reply



SachinMy choice from your listed fundsICICI Pru Focussed Bluechip Fund, HDFC

Mid Cap Opp Fund, HDFC Balanced Fund. Rest of the funds are not required.

Reply

AD says


Sir,

Is it wise to invest in L&T Business Cycle Fund for long term?

Reply









Ankurpreet says


Which is the best website where i can invest in all these MFs at one place?

Reply



Ankurpreetwebsite in the same online and direct? Wait for mutual fund utility platform. Soon

your dream will be reality

Reply

Krishna says


Hi sir,

I would like to know the lock period for canara robeco equity tax saver (G).

Reply



KrishnaIncluding Canara Robeco Equity Tax Saver, all ELSS have lockin period of 3 years. In

case of SIP, each investment is considered as fresh investment. So in case of monthly SIP the

first month SIP must complete 3 years then only it is eligible for withdrawal and same continue

with subsequent monthly SIPs.

Reply









Maunang Modi says


Dear Basavraj,

Which option is better SIP or Lumpusump for longer period??

Reply



MaunangIt depends on your comfort. If you have huge cash now then go for long

term one time investment. If don’t have then SIP. But do remember that both options

are for long term.

Reply

I am sahil from mumbai says


I am sahil sir I would like to invest 25,000 every year for 5 years will you suggest be which will be the

best mutual fund for investing and what good returns will i get after 5 years . Is HDFC short term

mutual fund ok or ICICI prudential tax benefit is ok for 5 years pls suggest me good idea for my child

investment

Reply



SahilIf your time horizon is less than 5 years then don’t enter. Keep it in mind that equity

investment should be minimum of 57 years or more.








Reply

Pardeep Singh says


If I want to invest upto 10,000 a month for 5 years, what will be best option…

Hi Basavaraj

A. Invest all amount in HDFC Mid Cap Fund

B. Equally invest in 2 like two HDFC Mid Cap Fund and HDFC Balanced plan.

C. Invest in upto 5 different plans for safety.

This is going to be my first Investment and I am covered for Tax benefits with PPF, so basically need

something with fast returns over 5 years to achieve finacial goals.

Thanks

Pardeep

Reply



PradeepFAST RETURN within 5 Years…sorry no EQUITY INVESTMENT.

Reply

Pardeep Singh says


So what kind of periods are suggested up to 10 years or more?

Reply










PradeepIt must be always more than 5+ years. Longer the better.

Reply

pratibha says


Hi Basvaraj,

I need to do investment for 20,000 as a one time payment not annual premium for tax exemption

this year only.

Would like to cash out the return after 4 or 5 years. Could you please suggest the best MF for the

highest return.

I need to do it today only so please help asa.

Thanks,

Pratibha.

Reply



PratibhaNONE…because equity investment (ELSS in your case) not meant for such short term

investment horizon of 45 years. If you have time frame of more than 5 year then invest.

Otherwise my suggestion is to stay away.

Reply








Rama Mohan says


Sir,

1. What is the cap for investing in Tax Saving ELSS for the current year.

2. Most of the articles are recommending ELSS.

3. If my wife can invest Rs 1.5 Lakhs in ELSS, please advise where to put money.

Thanks in advance.

Reply



RamaIt is maximum of Rs.1,50,000 (that includes Life Insurance, NSC, PPF, EPF of your

contribution and many more). Yes she can invest but source must be from your end. But do you

know ELSS have lock in of only 3 years and equity investment is meant for long term?

Reply

SOMASHEKHAR says


Sir

I am SOMASHEKHAR aged 32 working in a govt service. sir I want to invest rs 6000 every month

under sip of mutual funds. Pl suggest me the 6 funds of rs 1000 each for long term investment of 15

18 years for my children education and marriage.

Reply









SomashekharSir why 6 funds? Do you feel you will be at safer by adding more funds?

Reply

Nithin says


Hi basavraj,

i am planning to do some investment for time horizon for 3 years, this is basically for clearing of loan

what would you suggest investing in debt or equity funds or RD etc..?

Reply



NithinIf it less than 3 years then go for RD.

Reply

sachin says


I wanted to invest 1 lakh. Kindly tell me the best shares to invest in

Reply











SachinStock investment is not game of kid. Also the best method is to learn yourself to invest.

Today I may recommend you one or few stocks. After few years the incurred loss then whose

money will it be? So stay away from any such HOT TIPS of stock investment.

Reply

Ashish Banerjee says


Hi Basavaraj Tonagatti,

Your article & replies seems impressive.

I am a investor & invested in market through various modes (ULIP,money back plans(guranteed

income),PPF,NSC,MF (SIP & lump sum both),RD & FD).

Seeing the currently scenario of market from last 6 months I am investing only in MF. Currently I

have 15000.00 with me, generally I use to FD of the same but if I opt investment in MF lump sum

can u please suggest me

Thanks & Regards,

Ashish

Reply



AshishWhat is your time horizon of investment and whether basic things like Life Insurance,

Health Insurance, Accidental Insurance and emergency funds are at place?

Reply










Hi,

Thanks for revert.

Please find my mf investment below:

Axis Long term equity Fund Lumpsum

Axis Hybrid Fund NFO Lumpsum

Reliance Small Cap Lumpsum

SBI emerging Bussiness fund SIP1000.00

Sundaram Tax saver SIP1000.00

HDFC Tax Saver SIP1000.00

HDFC Mid Cap oppurtunities Fund SIP1000.00

DSP BR micro cap SIP1000.00

SBI magnum Insta cash Lumpsum

SBI magnum Tax gain Scheme Lumpsum

IDFC Dynamic Equity fund NFO Lumpsum

IDBI Diversified Fund Lumpsum

Health insurance:

Apollo Munich of me & my wife.Optimal plan

life Insurance.

IDBI fedralGuranteed Income plan

Aegon1 tradional & 1 ULIP

Each premium of 20000.00

PPF 2000025000 annualy

try for FD every month till july 2014.seeing the current scenario started investing in MF on

consultation of my advisers.

Thats it.

Time 35 years.If profit is good then ready for long term also.

Regards,



Ashish

Reply



AshishWhy so many funds? Also apart from health insurance and PPF, I found rest

dummy. What do you mean by “if profit is good then for long term also”? What if your

portfolio is 50% slashed due to market downturn? First understand what you need.

Then go ahead.

Reply



Frankly saying no one has suggested me this advice. I having 45 financial

advisors and all are suggesting to invest in MF in this market scenario.The reason

is that 3 of them are MF advisors & 2 of them belongs to bank but they are saying

that it will be better to invest in MF in place of FD as this is a market of equity.

Since your views are so different thus I will try to get more of your views and will

try to open all my financial investment pages in front of you.And trust me there

are very few who are carrying out such awareness program,these type of

suggestions are generally find within the family by a family member only (I

believe)

I have that much in FD which will helpful to me in case of emergencies thus

liquid cash available.

The reason for writing long term.

Then also if you will suggest for RD / FD I am ready for the same.

Your blogs are too good & you are doing a good work.This one I say is a “service

without the aim of profit & thus helpful to everyone”.Best of Luck….

Now suggest me the way forward,if switching in SIP required will go for the same.






Thanks,

Ashish

Reply



AshishRetain one large cap, one small and mid cap and if possible one

balanced fund. That’s it for all your investment in equity mutual fund. Try to

come out of existing insurance as early as possible. Because they combine

insurance with investment and which is worst type of strategy. Buy online

term insurance of your choice to the tune of at least around 1520 times of

yearly income+any existing debt amount. If your time horizon is more than

7+ years then at this stage too you can enter into market. No harm in this.

But restrict your funds to as I said above. Thanks for your kind words

Reply



Hi,

Thanks for revert.

Can u please specific to the funds as per the performance.If I am having

then which,if not then which I should buy.I believe I do not have

Balanced fund.

Enter into market means.I am already a investor & investing in MF.

Apart from term insurance I should not do any type of insurance.This is

too different.I am of 30 yrs. In general I have invested 2 moneback

plans & 1 ULIP.Is there any harm.

I have done Investment in ELSS/PPF/insurance from the motive of

saving tax.Should I come out of ELSS & PPF ?






What about FD/RD/KVP,etc investment ?

Reply



Wrongly written

I have done Investment in ELSS/PPF/insurance from the motive of

saving tax.Should I come out of ELSS & Insurance ?

Reply



AshishIt require to work on each fund. So I am saying in generic.

Do it yourself. It is not a rocket science. Already having investment

is different but fresh investment must be fresh look at time frame.

You already trapped with ULIPs and Traditional plans of

insurance, still feel you have not done anything wrong? As I said

many times, your investment must be tax efficient but at the same

time, don’t forget to have proper goal attached to investments.

Have you done that?

Reply



Ok… Got it.But currently it would be difficult for me

discontinue all the insurance & ULIP.Will not invest

further.Max will go for a term plan by end of this year.

Will be investing in ICICI Focused blue Chip & HDFC

balanced growth..SIP of 1000.The money I have 15000.00 will







be for a FD in this month.

I am continuing with above SIPs & MFs.& will try to continue

by keeping 34 funds. As u suggested 1 large CAP,1 small CAP

,1 mid cap & 1 ballanaced fund.

I would continue with the ELSS SIP because I am dependent

on them for tax saving.Axis LT Equity has given me a good

return .I will keep the same & rest 1 SIP of ELSS.

All this aim for this year.

In case i am still wrong somewhere please correct me.

Thanks,

Ashish

Reply



AshishGo ahead.



Hi,

Your views on :

Birla Sun life Manufacturing Equity Fund

Regards,

Ashish







AshishI prefer diversified than sector specific.

Gaurav says


Dear Basavaraj,

First thanks for this awesome write and being so active in helping people with their investments by

replying to their questions

I need your valuable suggestion on an investment plan for planning annual vacations.

I am thinking upon investing Rs. 12000 (5000 + 5000 + 2000) in Sip per month for about one and

utilizing it for an annual vacation.

I need your valuable suggestion in choosing best sip plan.

Thanks in advance

Regards

Gaurav




Reply



GauravAnnul vacation means you need the invested amount after one year of start right? Stay

away from any equity investments if your time horizon is less than 57 Yrs.

Reply

Gaurav says


Thanks Basavaraj,

Yes you are right, I would need the invested amount after an year.

So, what would you suggest as a best investment plan/mode/method for annual an

vacation?

Best regards

Gaurav

Reply



GauravBest is to go for Bank RDs. Because in case of debt funds also, taxation will be

same as that of Bank RDs and the return is not guaranteed. Instead in RDs it is

guaranteed.

Reply









dibyendu chakrabarty says


dear sir,

I need 56 lakh after 5 years.please suggest me how much I have to invest on mutual fund and which

fund perfect for my gold.

Thank you

Reply



DibyenduSorry no equity investments for a period of 5 years or less.

Reply



sir I want to invest through sip.is there have no any or bunch of fund

Reply



DibyenduMay I know what do you mean by “bunch of fund”?

Reply



I mean to say one or more dan one fund. actually I want to buy a car after 5 or six

year so I need DAT money.









Reply



DibyenduStay away.

Reply

sainath says


Sir, I’m a student who want to save his savings in sip to get maximum out of investments. my initial

budget is 1000..I had tried to invest in icici focussed blue chip and franklin large cap as mentioned

above,but the minimum investment is 5000 .. Can you suggest me a way to invest 1000… also note

they are my long term savings 10+years ..I decided not to move them for any cause.Thanks for the

article..

Reply



SainathWhether your investment is one time or monthly Rs.1,000?

Reply









sainath says


Its monthly investment.

Reply



SainathThen you can invest easily in that fund. They said Rs.5,000 minimum for one

time investment but not monthly. So can start with Rs.1,000 monthly SIP.

Reply

sainath says


Thanks for the reply…kindly Please choose a plan to invest for me..

Reply



SainathIt is already listed above.

Reply









Ram says


Hi Basu,

Currently, I am holding the below funds since June – 2014.

1. HDFC MidCap Opportunities Fund(G) – 1000k (SIP)

2. ICICI Pru Focused BlueChip Eq FundReg(G) – 2000k (SIP)

3. UTI Opportunities Fund(G) – 1000k (SIP)

4. Reliance Reg Savings FundEquity Plan(G) – 1000k (SIP)

My question is, Can I show them to Tax Savings under 80C for current financial year (20142015).

Because I have invested recently (June2014) and these funds are not completed 1 year (investing

period).

Please let me know. Thanks.

Reply



RamNone of them are eligible for tax deduction under Sec.80C. So you can’t show them.

Reply

Karthikeyan Selvam says


Hi Basu,

1. I have started my Mutual fund investment on Sep 2014 in ICICI Prudential Tax Plan – Direct Plan

(G) for next 15 years, monthly 2000 and this for my child education, reason why i have chosen above

plan, currently i am paying yearly 15000 thousand tax , so that i have chosen this Plan…






2. Also i am willing to invest in another fund (ICICI Prudential Focused Bluechip Equity Fund –

Direct Plan (G)) for next 20 years, this is for my retirement.. Monthly – 2000… Is this good option?

3. Is this (ICICI Prudential Tax Plan – Direct Plan (G))the one which you have mentioned in large

cap fund? Or am i selecting wrong fund? why i am asking this question.. you have given 5 years

return in your list but when search about this fund… It’s started only on 2013 that’s why i am asking

this question..

Reply



KarthikeyanI said about ICICI Pru Bluechip Fund. Also there is no such diversification among

tax funds like large cap or so. But you can go with these two funds for your future goals.

Reply

Karthikeyan Selvam says


Thanks for the reply Basu,

One last question ..

Below mentioned two are same fund ?

I am trying to invest in first one (ICICI Prudential Focused Bluechip Equity Fund – Direct

Plan (G)), but in your list it is given fund name as second one (ICICI Prudential Focused

Bluechip Fund (G)) . I Just want to clarify whether both are same fund, If yes, shall i

continue with first one?.

1. ICICI Prudential Focused Bluechip Equity Fund – Direct Plan (G)

2. ICICI Prudential Focused Bluechip Fund (G)

Reply










KarthikeyanVery much same. Go ahead and best of luck

Reply

RAJ says


sir should i continuue with 2 funds of 2014

1. uti oppertunity(g) 1000 Rs.

2. icici tax pru fund 2000 Rs.

Reply



RajYes continue.

Reply

D Pal says

December 31, 2014 at 7:06 PM

Hello sir,

I have a general question.

Suppose after one year, I find a particular MF is not doing well, what should I do ?

Should I redeem the amount and put into another similar Fund category or wait for another year, as

I have 1 yr exit load ?







Regards,

D Pal

Reply



PalBetter to wait and watch. If it consistently start to under perform then switch.

Reply

D Pal says


Thank you sir.

Wishing you a Happy and Prosperous New Year.

Regards,

D Pal

Reply



PalSame to you too

Reply









Gavin says

December 31, 2014 at 11:10 AM

Hi,

My current MF list is:

SBI Multicap Fund –

DSP Micro Cap fund

HDFC Equity Fund –

ICICI Pru Balanced

SBI Blue Chip Fund

Franklin Build India

Principal EmerBluechip

Can you suggest should I continue or switch to some other MF?

Reply



GavinRetain one large cap, mid and small cap and if possible one multi cap. Rest of them are

not required.

Reply

Mangboi kuki says


Sir, I planned to start an SIP in mutual funds for Long duration i,e between 2030 years .Please

suggest for how long investment in mutual fund should be done.

Reply









MangoboiIf your investment horizon is more than 5+ years then you can easily start investing

in equity mutual funds. So in your case, you can go ahead.

Reply

neoanderson says


Dear Basunivesh, Thanks for your excellent articles. I am little bit confused about mutual fund

selection and ranking. For eg. HDFC Top 200 was recommended by you and SureshKP. But this fund

is de ranked in valueresearch and moneycontrol.com and has been recommended to sell. I

understand that there are so many parameters involved in ranking and selection. If possible can you

please explain the basis of your selection. I am sure this will help many readers to select their funds

of choice. Thank you.

Reply



neoandersonHDFC Top 200 is consistent performer since 1990 periods. Even though it may be

lower ranked by few ranking sites, but still check it’s benchmark return to fund return. You

notice that it always beaten the benchmark. Along with that this fund have major exposure

towards Finance and especially towards Banking. So sometime due to lethargic Govt initiatives

this fund may under perform. But overall this fund is best choice among the category. Forget

about SELL call or rankings. But look at it’s performance and indicators. It is best fund.

Reply








vinod says


hello basu,

i have 5 funds, ICICI pru focused bluechip, quantum long term, IDFC pr equity, BSL frontline equity,

ICICI value discovery. I park equal amount in all 5 funds.

Please suggest me shall i continue in same or should i change them.

thanx

Reply



VinodBetter to retain any two to three funds (large cap and small and mid cap) and rest of

them will not serve any purpose to you.

Reply

D Pal says


Hello Sir,

I saw your nice suggestion on different sectorial MFs.

I invested in two international equities as below :

F T India Feeder – Franklin U S Opportunities Fund

ICICI Prudential US Bluechip Equity Fund

Please let me know your suggestion on above funds on long term SIP.

Regards,

D Pal






Reply



PalWhy these US funds?

Reply

D Pal says


Sir,

I didn’t trust Indian MFs as I didn’t get good return in last 3 yrs, so I closed those one yr

back and started those funds.

I am stopping these and starting according to your suggestion.

Thank you very much for your reply.

Let me know, if you want to suggest me anything else.

Regards,

D Pal

Reply



PalPlease follow the first and utmost important thumb rule of equity investment

Always invest in equity only if your time frame is more than 5+ years. Second thumb

rule isReview the portfolio at least once in a year. If you need funds to nameThe list

is already published above.

Reply









D Pal says


Thank you sir.

I will follow your guidance.

Many thanks for giving valuable suggestions to me and others.

Regards,

D Pal

Reply

Ram says


Hi Basu,

Could you please tel me the best liquid fund for 2015. Because i want park my money into liquid fund

instead of saving bank.

Please let me know. Thanks.

Regards

Ram

Reply



RamThere is nothing called BEST liquid fund. Because all liquid funds invest in short debt

papers. Such debt products are safest and usually interest fluctuations will not vary that much.

So choose a fund from mutual fund company which you feel comfortable.






Reply

Ram says


Thanks Basu..

Reply

Amit says


Hi Basu,

First of all, congratulations to you on the great work you are doing. This is very helpful for someone

like me who is new to mutual funds investing.

I am 38yrs old. I started sips for 10k/month early this month with long term investment horizon of

~10yrs. I selected the following six funds – all growth options:

Large Cap : ICICI Pru Focussed Bluechip (2k) ; BSL Top 100 (2k) ; UTI Equity (2k)

Mid Cap : HDFC MidCap Opportunities (1.5k) ; Franklin I Smaller Companies (1.5k)

Small Cap : DSPBR Micro Cap (1k)

Now I wish to increase my sips by another 10k/month.

Should I just 2x the investments in the above funds or choose newer funds. I did increase the sips in

ICICI Pru Focusssed Bluechip and HDFC MidCap opportunities as these got listed in your 2015 list

as well.

Regards,

Amit

Reply








AmitContinue your new investments in same funds.

Reply

sandeep says


Hi Basu,

Thanks for the list.

I am newbie, need some inputs from you.

I Have read it in many blogs that it is good to keep MF investment for long term to expect good

returns.

So, we select one good large/mid/small cap fund and invest in the same.

Any reason on why it is required to shift the focus on others funds every year?

If this is the case, then we are deviating our sip every year and trying to time the mutual fund..right!

Also, any reason for you to not consider SBI Magnum Equity Fund? It’s in top 10 rank for

3yrs,5yrs,10yrs as per valuereasearchonline.

Thanks

Sandeep

Reply



SandeepI never said to switch it on yearly base. If the fund consistently under perform it’s peer

or benchmark then you need to think. It may be either every year or once in a few years. But

monitoring equity investments once in a year is must. That is what I am pointing. SBI may be







star rated fund, few issues like expense ratio to other recommended large cap made me to stick

to above two funds of this category.

Reply

Amit says


Hi Basu,

This is good stuff. I too share Sandeep’s question, and find your answer convincing.

Just one doubt though..For long term growth, we selected the funds on the basis of say

5yr/10yr performance. (we did not look too much into the short term 1yr/2yr returns while

making this decision).

Now when we review the performance after 1 year of investing and comparing with

peers/index, are we not trying to conclude the performance of the fund based on 1yr/2yr

returns while we selected the fund based on 5yr+ performance to begin with? It might be so

that the fund already predicted poor returns in 1/2 yr term compared to its peers when we

selected the fund?

I am confused a bit on this. Pls. share your thoughts.

Regards, Amit

Reply



AmitValid point But at the same time we must also look into benchmark it is

following. Reviewing yearly means not churning your investment yearly once. But give

more time to funds. So if it is continuously under performing then churn it.

Reply

sandeep says








Thanks for the clarification.

Now, I look further into the list of Large cap funds to pick one good fund…

Ofcouse, Franklin Bluechip and ICICI focussed bluechip is in the top, but I just

have one more fund ahead of fran.. or ICICI – UTI Equity Fund..

Reasons for UTI EF to takeover Fran..or ICICI.. –

Better 1Y/3Y/5Y/10Y returns…

Better Sharpe Ratio, Alpha and almost similar SD, ER.

2008 and 2011 when market saw the crash, this fund has taken the lowest risk

and the returns during this period is better than its peers (although negative ..

But that is the case with all funds)

Experienced Fund manager who has stayed for a long time..

As I mentioned, I am a newbie and it is only based on some theory I am looking at

UTI EF..But you have more pratical experience and have seen things around…so

definitely need your views please. Thanks

Reply



SandeepI never said that the fund I have chosen are ONLY best to invest

and rest are bad. You can go with UTI fund also.

Reply

Suersh Krishna says


I have following portfolio : ICICI Prudential dynamic growth Rs 2k , ICICI foucssed blue chip – Rs






1k, IDFC premier equity – Rs 2k per month as SIP started last year based on your article. What is

your call on IDFC premier – Do i need to stop and start other fund as recommended as one year term

is ending for this fund. Please advise.

Reply



SureshContinue investing. No need to worry.

Reply

Suresh Krishna says


Thanks. Will continue same portfolio.

Reply

Raghu says


Your comment is awaiting moderation.

Dear Basavaraj,

I am 33 yrs of age and investing in MFs for last 8 yrs. Recently I closed all my holdings and the

amount was diverted for the purchase of a flat. Now I want to start new investment for a time zone of

1015yrs. I would like to invest upto 10,000 per month in 2 or 3 funds. Having seen the ups and

downs in the market, I am aware of the benefit of long term systematic investment. Please suggest

me 2 or 3 funds wherein I can investment an amount of 10K/month.

Regards







Raghu

Reply



RaghuChoose one large cap and small and mid cap from above list.

Reply

pratik says


i have some investment in reliance diversified power sector, Birla infrastructure fund, Reliance gold

fund etc ( Sector funds). This is apart from my ongoing SIP In diversified funds. I have already

stopped SIP in sector funds but my investment is still there.

I am planning to switch my sector fund investment to diversified equity fund of the same AMC over

12 months. (same AMC to avoid expenses)

pl advise , is it a good decision or we should retain this investment.

Reply



PratikBetter to switch as early as possible.

Reply

http://0.0.0.0/









PINKY SARKAR says


Hello,

I am new to Equity market & want to start investing.

Please can you guide me with the better option for both short term & long term returns.

Also, the amount I should start with.

Thank you,

Pinky

Reply



PinkyHow can with mere two lines of sharing guiding is possible? Need more info like how

your financial planning set up as of now.

Reply

PINKY SARKAR says


Hello,

Well, I have only fixed deposit and Gold as a medium of investment. My budget to invest in

equity funds is Rs.10000/ monthly. I am looking for both short term & long term gains &

new to such investments.

Kindly guide the plan or equity fund which can help me to earn profit both on short term &

long term.

Also, Is there any plan which can help me to earn monthly income? And, if yes, than what is

the amount I should invest in it?

Please let me know, if you require any more details.







Thank you,

Pinky Sarkar

Reply



PinkyPlease let me according to you how much years is short term and long term.

Reply

yuv says


Basu nivesh ji! grateful for your valuable suggestions i timely quit smart platinum now i have asked

the agent to put that 99000 each fr pnb tax plan ELSS.

Secondly i have planned to invest 10000 monthly on ICICICIPRUDENTIAL TAX PLAN

and RELIANCE TAX SAVER MUTUAL FUND.I am aged 46 years i have ppf and lic purchsed long

back.

Now i plan for my both kids FMCG.

RELIANCE REGULAR SAVING PLAN

hdfc BALANCED FUND

icicici pru focussed bluechip fund each 10,000 thats 40,ooo each kid every month. Is it wise.

Iam new to this mutual fund .

Reply



YuvHow you selected these funds?

http://google/








Reply

yuv says


seeing your advices and as well as that of agent …i can hold back i have time ..PLEASE

ADVICE I AM CONFUSED

Reply



YuvWhat advice you need?

Reply

yuv says


Am i right in choosing these funds for tax benifits and for my kids future.Please

guide.

Reply



YuvRetain ICICI Tax Saver and that one fund is enough.

Reply







http://google/


http://google/



Viral Vyas says


Hi Sir,

I am new in Mutual Fund market. I want to invest 2000 per month for 5 years in SIP. So which fund

I should select for very good return. Please suggest me.

Reply



ViralStay away from equity if your time horizon is just 5 years.

Reply

Manas says


Dear Sir,

wish you a very Happy New Year

Sir, as per your suggestion of last year

I am doing SIP as follows

1 ICICI Prudential Focus Blue chip – 2000/Month ## Large Cap

2 Quantum Long Term Equity – 1000/Month ## Multi Cap

3 IDFC Premier Equity 2000/Month ## Mid & Small Cap

4HDFC Top 200 1500/Month ## Large & Mid Cap

but in your suggestion for 2015

you have not mentioned about IDFC Premier Equity, Quantum Long Term and HDFC Top 200.






What shall I do now ??

I am a new invster and after reading your suggestion only I had started these SIP last year only.

please suggest and guide me.

Reply



ManasPlease continue with existing funds. I have not mentioned because they may be not

under my criteria. But you may continue your investments. No harm and all are good funds.

Reply

Amit Budhiraja says


Hello Sir

First of all its a nice platform you have created which helps in understanding various financial

products. Best of Luck.

I have been Investing over a year in MF now, so far the funds I am investing are mentioned below::

Axis LT Equity Fund(G) —> 5000 p/m

ICICI Pru Focused BlueChip Eq FundReg(G) —> 5000 p/m

ICICI Pru Top 100 FundReg(G) —> 2000 p/m

Mirae Asset India Opportunities FundReg(G)—> 3000 P/m

Please let me know should i continue with this portfolio or there is a scope to better it and what do

you suggest.

Reply









AmitBefore that check the portfolio overlapping. I know you might have selected these funds

based on ratings But have you checked it’s long term performance?

Reply

Sai says


Sir,

I need your suggetion to investing mutual funds as aim new to this.

I want to invest 5000 pm in MF through sip. For 10years. I already investing 150000 in ppf.can you

please suggest where to invest it for good returns after 10 years.

Thanks in advance,

SAI.

Reply



SaiChoose one large cap and another small and mid cap from above list.

Reply

lal says


Sir

I am working executive. My current saving total about 5 Crore. About 1.7 crore in Mutual fund








invested visa SIP. Actually invested total 85 lac and it has become 1.7 by this time. I am willing

increase my SIP in different AMC to a level of 3.3 lac per month. So that I can invest total 2 Crore by

next 5 years. Then I will stop SIP and wait for next 5 years for my invested money to grow. For that I

will be selecting two funds with Large and mid cap, Two funds with Mid and Small cap and two funds

– balanced funds. My preference for AMC is HDFC, ICICI, Birala and Frankling. please advise me for

the following.

1) Any major wrong thing in this approach ?

2) Is it appropriate to invest within next 5 years. Because if this 5 years is a pick period ,then we have

to loose heavily

3) balanced funds are required for this duration ?

regards

lal

Reply



LalYou already have investments in equity mutual funds. So if they are on right track then why

new funds for this investment? Also two funds from each category is not necessary. To me

maximum 23 funds are enough. Balanced funds may cushion you when market dropping. So let

it be. But select a fund from large cap, small and mid cap and balanced fund is enough.

Reply

Koushik Das says


hi Basavaraj,

Very much thank you for this valuable post.Learnt a lot from this.

I am 45 years old and new to MF/I am planning to put some money in MF for next 910 yrs.

I have sufficient FD and reality investment so I can take risk on equity MF.

I am targeting to go for the following MF through SIP.Please suggest should I need any alteration.

Tata Balanced fund 5000/month

ICICI Prudential Focused Bluechip Equity Fund – Regular Plan5000/month

Quantum Long Term Equity Fund 5000/month






HDFC MidCap Opportunities Fund2500/month

Franklin India Smaller Companies Fund2500/month

Thanks in advance.

Koushik Das

Reply

RAM says


What about investing directly in stock based on selected mutual fund stock and tracking the same as

per fund folio ? Do you think , it will work , Example we take HDFC top 200 and invest directly in the

stocks they have invested.

Reply

mahender singh says


sir

i wanna thank & appreciate for ur efforts & sharing your knowledge. it really helps lay men like us to

read indepth review & take a call. am 39 years old & have invested in icici pru focussed bluechip &

reliance tax saver fund. i have seen you have not recommended or mentioned reliance tax saver. so

wanted to know your opinion/review on it. did i make a right choice by investing in it. its been 7

months in these two funds with a sip of 2500 each. also would please tell me should i go for another

tax saver fund . if yes then what is the difference between icici right & icici pru tax. please suggest.

looking foward.

Thanks

Mahender

Reply

http://none/






mahender singh says


sir would you please advice..waiting

Reply

Guru Prasad Pandurengan says


Dear Sir,

I have started investing in Mutual Funds from this month. As you suggested, I have invested in the

below 2 funds.

Franklin India Bluechip Fund (G) – 2000Rs

ICICI Pru Focussed Bluechip Fund (G) – 2000Rs.

Im planning to continue this as SIP with 1000Rs each in the following months upto 5 years. Can you

please let me know how long shoud I wait for these funds to grow and what parameters I need to

check if at all I need to shift to other funds? I’m new to Mutual Fund and request you to kindly help.

Thanks,

Guru Prasad Pandurengan.

Reply



GuruWhy two funds? Invest in one fund and that is enough. Equity investment should be

minimum for around 5+ years. How to check the performance is a lengthy topic. Hopefully I

may come up with a post on the same.

Reply







Guru Prasad Pandurengan says


Thank you, Sir. I have invested through FundsIndia website. Let me check with them for

the options of going with one fund. Kindly advice.

Thanks,

Guru Prasad Pandurengan.

Reply

Gopal says


Sir, I am 43 yrs old with income of Rs.5lacs per annum. Only last year i have started investing in sip

of Rs.3000 in Idfc premier equity fund. I wish to invest Rs.5000 more in sip from 2015. Which plans

would u suggest for me? Thanks for your advice in advance.

Wish u a very happy new year 2015.

Reply



GopalSelect one large cap from above list.

Reply

yuv says





http://google/




baveshji! i am very new invester in mutual fund . I need ur guidance i recently invested on pnb met

life smart platinum for five years for my two kids each 99000 a year .How do i proceed for myself i

am aged 47 years earn couple of lakhs monthly.Should i go for sbi dynamic fund. or some large cap u

suggest please .

Reply



YuvFirst let me know how you chosen MetLife plan? Do you thought it as mutual fund?

Reply

yuv says


yes! agent told me this. I badly need your guidance for investment.Some tax saver and

make white money!

Reply

A S Paranjape says


1. Reliance Equity opportunities and Premier equity are not in the category of ” small & midcap

scheme” as they are muliticap and do not have mandate to invest in any cap.

2. One can argue against recommending of Franklin Blue chip as there are better schemes like BSL

frontline.

Reply





http://google/






ParanjapeRegarding category I refereed the VR. My suggestions are listed above. You may

come out with so many permutation and combination and select a fund. So I am not against

your choice. I have chosen these funds based on the criteria I shared above.

Reply

ram says


Already invested sufficient money in bank fixed deposits. Also invested in mutual funds for 4 to 5

years. Now mutual fund return is very good. my questions are as follow.

What strategy we should keep to book profit from mutual fund ? specifically I don’t need this money

in near future for next 10 years.

What about investing in debt funds ? (i have sufficient investment in fixed deposits). Any specific

reason why we should invest in debt funds over and above fixed deposits.

Reply



RamYou need to come out of equity only when your goal is around 23 years away, but not like

when market is high. Because we don’t know today’s high may again be low after few days. Debt

Funds good only in case your time horizon is more than 3 years as due to indexation benefit

they may give you better return over FDs. But do remember that Debt Funds also bears risk.

Reply






http://none/



Rajesh says


Dear Sir,

I am new to the mutual fund investment & plan to start investing from January 2015. My overall

budge is around 2000 Rs. per month & planning to invest in SIP basis. I want to invest for 10 years &

expected returns will around 15%. So please suggest me good SIP funds.

Thanks & Regards,

Rajesh

Reply



RajeshYou can select one large cap fund from above list and invest.

Reply

Rajesh says


Thank You very much for your guidance.

Reply

Brahmananda Reddy says


Sir,

I have started invsetng in mutual funds from Dec 2014 in FranqlinIndiaBluechip( G)







1K/month(minmum 10 years).

Can I add below to my portfolio?

Reliance Equity Opp Fund (G) 1K/month ((minimum 10 years))

HDFC Balance Fund(G) 1K/Month (minimum 5 years)

ICICI Pru Tax Plan(G) 25K/year (for tax saving minimum 5 years)

Thanks,

Brahmananda reddy

Reply



BrahamandaYou can add HDFC and ICICI.

Reply

ashish says


Respected Basavaraj Sir,

Many Thanks for your efforts to empower us with Investment Ideas.

Sir, I would like to get your opinion on my portfolio:

HDFC Top 200: 15000/PM

HDFC Equity : 15000/PM

My time horizone is 12+ years. These funds i salected for my kids education. I also would like to

invest another 10000/ PM, after seeing your list i zeroed to ICICI Balanced fund, but its asset value

and return are less than HDFC Balanced fund. If I salect HDFC Balanced fund my all invetment goes

to single AMC which probably not good idea.

shall i go for ICICI Balanced fund alone for all amount or I split equally it with HDFC Balanced fund.

My time horizone for this fund will be in between 57 years.

Your valuable suggession is appreaciated.


http://yahoo.com/





With Regards

Ashish

Reply



AshishIn your current investment there is an overlap of around 72%. It means even though you

are investing in two different funds and category, but underlying investment overlap 72%. So no

diversification. Instead I suggest you to retain HDFC Top 200 and select one small and mid cap

from above list. Balanced fund for more than 12+ years in need? Think and decide.

Reply

amar says


can i put some of my emergency funding in elss.can i redeem this whenever i require.i think if want

to invest in elss one time investment would be better.

Reply



AmarEmergency fund in Equity and that too a lock in product called ELSS? Whether it is one

time or SIP, emergency fund always must be in safest instrument.

Reply









amar says


Is it a good option to invest in elss.my tax limit for 80 c is completed from other investments.i have

heard that the returns from elss is 17 % from past 5 yrs.is it true.is it a best investment option for

short term.

Reply



AmarI already replied to your query. No equity for short term.

Reply

amar says


sir ,

if i can go for long term investment is it a good option to invest in elss.

Reply



AmarDrawback of ELSS is, even though fund not performing well you have to

continue up to lock in over. So choose a best ELSS and invest. Once lock in over either

continue in same fund or switch to other funds. But must be long term view.

Reply









Nagesh says


Hi Sir

Currently I am investing in the following SIPs 5000INR per month

UTI Opportunities Fund (G) – INR 1000

Birla Sun Life Frontline Equity Fund (G) – INR 1000

Reliance equity opportunityes fund (G) – INR 1000

ICICI Prudential Focused Bluechip Equity Fund (G) – INR 1000

Kotak 50 (G) – INR 1000

I want to increase this amount INR 10000 per month. I want to keep that for a long term for my kids

education.

Could you please suggest whether to increase the investment in the above same funds or to invest in

other funds.

Thanks

Nagesh

Reply



NageshWhy so many large cap funds??

Reply

Aakash Jha says


I must Appreciate your effort,






I am in need of someone like you to help me to plan my financial, hence can i have your number or

personal mail id show that i can contact you.

Hoping the best from your side

Regards

Reply



AkashYou can drop the mail at [email protected]

Reply

Kumar says


Hi Basu,

First of all, would like to appreciate the efforts you are taking to create awareness on mutual funds

and investments to public.

I am planning to investment in mutual funds which is completely new to me and i am looking for

long term of more than 1012 years kind . My monthly investment capacity on mutual funds would

be around 1215k and dont mind taking risk.

After going through the articles and performance i zeroed on following funds, can u please suggest

whether it is worth to go with or if some thing better is there can u please suggest.

ICICI Pro focussed blue chip fund — 5000

HDFC Mid cap opportunities Fund — 5000

ICICI Pru balanced fund — 2500

Birla sunlife dynamic bond fund — 2500.



mailto:[email protected]




Kindly suggest…

Kumar

Reply



KumarChoose one large cap, one small and mid cap and one balanced fund (if possible) from

your list. Three funds are enough.

Reply

V.SUBBA REDDY says


Hi Basu Sir,

My current SIP Portfolio is as under –

1. SBI magnum Global Fund – 1k

2. SBI emerging business fund – 1k

3. SBI Blue chip fund – 1k

4. SBI pharma fund – 1k

5. SBI FMCG Fund – 500rs

6. SBI Infrastructure Fund – 500rs

7. ICICI Dynamic plan – 1k

8. HDFC midcap opportunities fund – 1k

I am new to this, Should i continue with this portfolio? r i change my portfolio?

From last 6 months i am opting the above mutual funds.

Thanks

Reply









SubbaI am not fan of SBI and they are not at good as you selected sector funds. Second funds

are more risky to diversified. So better to come out of those funds. But I am comfortable with

rest two ICICI and HDFC.

Reply

Bhavin says


I started SIPs for 13k/month in below MFs for long term Goals for 710 years.

1. ICICI Pru focussed bluechip (Large Cap) — Rs. 5000/Month

2. ICICI Pru value discovery (Mid Cap) — Rs. 4000/Month

3. Reliance equity Opp (Flexi Cap Diversified) – Rs. 4000/Month

I am planning to increase 10% every year in SIPs.

Please provide your inputs like Are above MFs are good fund for long term investment and any

changes require in existing SIPs.

Reply



BhavinYou can continue the same.

Reply








Vaibhav says


Hi Basu,

I’ve invested in “UTI Equity Direct – Growth”. However, I didn’t find the expense ratio for direct

plan on VR.

Any idea where would I get this and your valuable opinion on the Fund house and this fund in

particular please?

Thanks,

Vaibhav

Reply



VaibhavIf it is not available with VR then you can directly ask the mutual fund company. They

will provide that information.

Reply

Vaibhav says


Thanks Basu. I’ll have to speak to their CS team as I couldn’t find it on UTIMF website too.

Can you please provide your valuable views on UTI Equity Direct – Growth fund?

Reply



VaibhavIt is good fund. You can continue.

Reply









Sab K says


Hi,

I am planning to invest in the following funds:

UTI midcap – INR 2,500 / (3 years)

HDFC balanced fund – INR 1,500/ (3 years)

Is this ideal or are there better options? I had ICICI balanced fund in mind, but not very sure. Also,

can you please let me know good retirement plan option in mutual funds?

Thank you,

Sabitha

Reply



SabHow you opted these two funds? As of now there no such BEST retirement plan. You need

to create your own corpus.

Reply

Ram says


Hi Basu,






Currently, I am holding the below funds since March – 2014.

1. HDFC MidCap Opportunities Fund(G) – 1000k (SIP)

2. ICICI Pru Focused BlueChip Eq FundReg(G) – 2000k (SIP)

3. UTI Opportunities Fund(G) – 1000k (SIP)

4. Reliance Reg Savings FundEquity Plan(G) – 1000k (SIP)

Please let me know, whether it’s fine or switch to any other funds which mentioned (2015) by you.

Thanks.

Regards

Ram

Reply



RamCurrently UTI is under large cap. So you have two large cap funds now. If possible retain

one (either ICICI or UTI).

Reply

Ram says


Thanks Basu.

Could I change ICICI Prudential Dynamic Plan(G) instead of UTI Opportunities Fund (G)?

Is it possible in Funds India portal?

Reply



RamIf you intend to change then do so. Yes you can do it in FundsIndia.








Reply

Shreyas says


Hi Basu,

My current SIP Portfolio is as under –

Birla SL Top 1oo Fund (G) – 2k

Reliance Equity Tax Saver (G) 2k

Canara Robeco Emerging Equity (G) – 1k

1. Should i continue with this portfolio?

2. I’m working in pvt sector so i don’t have pf option. Can u suggest best retirement plan?

Thanks

Reply



ShreyasYou can continue. But don’t forget to review once in a year.

Reply

Shreyas says


Thanks Basu.

I hope u forgot to answer my second question.







Reply



ShreyasCan you repeat once again. May be I missed due to long pending comment

replies due to my holidays

Reply

Shreyas says


Hi,

My second question was as I’m working in pvt sector so i don’t have pf option.

Can u suggest best retirement plan?

Reply



ShreyasSadly none…better to create your own retirement corpus by

investing in equity mutual funds (if time horizon is more).

Reply









Nitesh Sharma says


Hi Basavaraj

Need Help in calculating the SD of mutul Funds can you please help with the values Input and

Formula , It will be Realy Great Help .

Reply



NiteshWhat is your doubt? I don’t think it is required to do calculation at your end as all

information either available at AMC end or with few sites.

Reply

Sri says


Basu,

Thanks for the list. I would like to know why ICICI pru value Discovery did not make it to the list?

Ideally, which category of funds does it get compared with? Thanks!

Reply



SriYou can add, I don’t have any issue. But I slightly stayed away due to it’s SD.

Reply









chandra says


Hello Basu,

Good to see list for 2015

Is that Typo error in the above everywhere you mentioned 2014. Anyways no issues.

My question is actaully i am planning to invest on Franklin Templetion Tax shield(G)ELSS category.

But what difference it makes if i opt in person and through advisor. What do you suggest?

Reply



ChandraSo Sorry !!! I corrected the mistake

Reply

Suraj says


Hi Sir,

I am investing Rs.1000/ per month in HDFC Top 200 fund as SIP for the last 2 years, is it wise to

invest in the same fund for a horizon of 20 years as the NAV is very high.Should I come out of it?

Also I want to invest in another 2 SIP’s Rs.2000 per month time period of 15 to 20 years so please

suggest some good funds.

Regards

Suraj

Reply









SurajContinue in HDFC Fund and select one more fund from mid and small fund category.

These two are enough.

Reply

R Parikh says


Good, Sir what about debt – short term as well as medium to long term – how about your

recommendations for such mutual funds to invest now?

Reply



ParikhLet me come out of Debt category separately.

Reply

Alpesh says


sir please help me to select the fund i want to invest 2k per month and i have long term perspective.

And my current age is 22 so on that basis which fund i should select.

Reply











AlpeshChoose one large cap and another small and mid cap fund from above list.

Reply

ramu says


HI,

im investing from past one year in below funds.

i want to know are there any overlapping in between these funds icici value discovery fund and and

icici focused bluechip fund .

do i need to change my portolio and my investment during is 7 – 10 years.

Reply



RamuLet me give you work instead of ready made answer. Go to valueresearchonline, search

above funds, then go for portfolio tab, there you will find the underlying sector or stocks. You

will get fair idea and if possible share with me of what you learnt.

Reply

swanjan kumar says


Hi Basu,









I want to invest 2000 per month on mutual funds. I am new into this kind of investment. Could you

please suggest me the options for investment in mutual fund.

Thanks

Swanjan kumar

Reply



SwanjanOne large cap and another small and mid cap from above list is suffice.

Reply

amar says


hi sir,

im new to these investments.i want to invest 2k per month for 1520 yrs.which type of funds should i

select,large or mid or small,or else shall i go for balanced funds.pls help me in this regard.these funds

should help me after my retirement or my childrens education.

i will be able to take medium risk as im 30 yrs now.

Reply



AmarOne large cap and another small and midcap.

Reply









Sujeet kumar says


Hello

My Current Investment is as below

——————————————–

UTI Opportunity – 2k

ICICI Pru Value Discovery – 2k

ICICI Balanced 2k

Now I am planning to add few new investment as below

ICICI Pru Focused Bluechip 2k

ICICI Pru Dynamic 2k

HDFC MidCap opportunity 2k

What should I do , Is it ok ?? or need improvement please guide.

Reply



SujeectDo you feel you need another three funds for your fresh investment? Also have you

checked about the portfolio overlap in existing funds?

Reply

Avin Chhangani says


Hi,

You have mentioned that you did not select HDFC Top 200 because of standard deviation. Even

though I did a quick search on that concept, I’d appreciate if you can elaborate this point.






Also, if my investment horizon is 20+ years (I’m 23 years old), which would be better: Franklin

Bluechip or Franklin Prima Plus? Thanks.

Reply



AvinPlease check the SD of all three funds (Franklin, ICICI and HDFC), then decide yourself.

Both are good.

Reply

Naveen says


Sir,

Among mid cap funds, Franklin India Smaller Cos. seems to have better alpha, low beta and std.

deviation and good returns . What’s your take on it for long term like 20 years?

Reply



NaveenIf you are comfortable with that fund then you can go ahead. I selected these funds

based on my comfort and research.

Reply









J Ayyappan says


Sir, I am currently SIPing in UTI Opportuntieis for the past 2 years. Considering UTI Equity’s

performance, i have a feeling to move it to UTI Equity from UTI Opp Fund. Is it advisable or not? I

am alreadying SIPPING in all the funds mentioned by you for 2015 except Franklin India Bluechip.

Over and above these funds, i also SIPing in ICICI Pru Discovery Fund. Please advice

thanks

JAN

Reply



AyyappanDo you feel it is mandatory to have all listed funds? No…as I said above, maximum 3

4 funds are enough.

Reply

UmaShankar Patnaik says


Hi …Thanks for your advice…Kindly check my preference and pls guide me in selecting one out of 2

for SIP in below mentioned funds

1. ICICI pru Blue Chip Equity or UTI EQuity – 2K

2. HDFC MidCap or UTI midcap1K

3. HDFC balanced or ICICI balanced2k

4. ICICI child careStudy or HDFC multple yield (Hybrid Conservative)1K

one time investment —Pharma Sector —Reliance or SBI Pharma —–10K, debt long term10k

pls help in selecting the above funds and tell me my planning is ok or not

Reply









UmashankarICICI Pru Bluechip and HDFC Balanced. I am not a big fan of any sector specific

investments.

Reply

UmaShankar Patnaik says


Thanks for the help…..but what your’s take on Midcap ?

Reply



UmashankarTwo funds are enough and automatically take care of your debt portion

too.

Reply

Anshu says


Hello Sir,

Thanks for the list. I am waiting for the list.

As UTI Opportunties[G] move to Large cap. In my portfolio I had already a large cap fund ICICI Pru

Focussed Bluechip Equity [G]








What can we do in this situation?

Thanks & Regards,

Anshu

Reply



AnshuI expected this question from someone No need to worry. Wait for another year or so.

Because that fund is also doing good.

Reply

Leave a Reply

Your email address will not be published. Required fields are marked *

Name *

Email *

Website

Comment






You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b>

<blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

POST COMMENT

Search this website…

Subscribe for updates...

http://www.policyadvisor.in/online-advisor/health-insurance-advisor/?affid=57&source=BasuNivesh&adtype=PA280x280

https://www.quickbima.com/life_insurances/termadword



SUBSCRIBE

RECENT POSTS

IRDA Incurred Claim RatioHow to choose

the best health Insurance?

IRDA Claim Settlement Ratio 20132014

Which is best Life Insurance Company?

What is contactless Debit or Credit Cards?

Postal Life Insurance Vs LICWhich is best?

What is IRR and XIRR of your investment

and how to calculate them?

CATEGORIES

Banking

Insurance Planning

Investment Planning

Real Estate

Tax Planning

Uncategorized

RECENT COMMENTS

Basavaraj Tonagatti on HDFC Click2Protect

PlusComparative review with features and

benefits

Basavaraj Tonagatti on Top 10 Best Mutual

Funds to invest in India for 2015

Basavaraj Tonagatti on IRDA Incurred Claim

RatioHow to choose the best health

Insurance?

Basavaraj Tonagatti on Do you know

Marriage Registration Procedure and

Importance?

Basavaraj Tonagatti on Top 10 Best Mutual

http://www.basunivesh.com/category/tax-planning/

http://www.basunivesh.com/category/real-estate-2/


http://www.basunivesh.com/category/insurance-planning/

http://www.basunivesh.com/category/uncategorized/

http://www.basunivesh.com/category/investment-planning/



http://www.basunivesh.com/category/banking/

http://www.basunivesh.com/2014/09/24/hdfc-click2protect-plus-comparative-review-with-features-and-benifits/#comment-74060

http://www.basunivesh.com/2014/04/15/do-you-know-marriage-registration-procedure-and-importance/#comment-74057

http://www.basunivesh.com/2015/01/08/what-is-contactless-debit-or-credit-cards/

http://www.basunivesh.com/2015/01/06/postal-life-insurance-vs-lic-which-is-best/

http://www.basunivesh.com/2015/01/01/what-is-irr-and-xirr-of-your-investment-and-how-to-calculate-them/

http://www.basunivesh.com/2015/01/08/irda-claim-settlement-ratio-2013-2014-which-is-best-life-insurance-company/

http://www.basunivesh.com/2015/01/12/irda-incurred-claim-ratio-how-to-choose-the-best-health-insurance/

http://www.basunivesh.com/2015/01/12/irda-incurred-claim-ratio-how-to-choose-the-best-health-insurance/#comment-74058





Funds to invest in India for 2015

BasuNivesh

733 people like BasuNivesh.

Like

© Copyright 2015 BasuNivesh · All Rights Reserved · Privacy Policy | Copyright and Disclaimer | Hosting and Customization by Best

Hosting And Design.


http://basunivesh.com/copyright-and-disclaimer/

http://www.besthostinganddesign.com/

http://basunivesh.com/privacy-policy/

Documents

Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh.pdf