Do you have mutual fund queries?
Please ask your questions here and rediffGURU Ulhas joshi, Head -- Sales, Rank MF, (external link) a mutual fund investment platform, answers your Mutual Fund queries.
Anonymous: Hi Sir, I am 26 years old and currently having salary of around 1LAC per month having term plan of self, health insurance of self and parents and ppf and nps savings. I am planning investment in mutual funds with an amount of 25000 every month in each of small mid and large. Please suggest me a better approach to distribute between them and kindly suggest me funds as well sir I'm a beginner with less experience in this MF.
Hello & thanks for writing to me. As you want to invest in a mix of small, large & mid cap funds, you can consider starting SIPs in Multi Cap Funds, which by mandate have to invest in large, mid & small cap companies.
Investing in such funds will ensure that you have adequate exposure across market capitalisations.
Ravi: Hello sir... This is Ravi kumar. Age 34. Now i have 1 lakh Rupees. Now i want invest in mutual funds for my retirement. The question is where to invest? Only one index fund or 50% in index fund, 25% in mid cap and remaining 25% in Small cap? Or in your view diversification? So Please give me good suggestion?
Hello Ravi & thanks for writing to me. As your time horizon is long & goal is retirement, equity is suitable for you.
You can consider investing the 20% of your corpus in a large & mid cap scheme (these are different from large schemes), with 40% in a small cap and 40% in a midcap fund.
With your age & time horizon, having a large exposure to mid & small cap funds has the potential to generate higher returns.
Prateek: Hello Sir, I want to invest 30k per month in MF was planning to do it in Flexi, Mid, Small with 10k each for next 10-15 years. Can you please tell me if this is the right approach or should i divide the 10k amount as well, i.e., 5k each of 2 flexi cap, 5k each of 2 mid cap, 5k each of small cap. Or should I invest in other type of MF as well? Also can you also please suggest the MF?
Hello & thanks for writing to me. As your goal is long term, equity funds will be a suitable option.
You can consider investing in a mix of Flexi Cap, Mid Cap & Small Cap funds 2 schemes in each category thru SIPs.
Stepping up your SIP every year will help you create a larger corpus.
Rupali: I am 40 years old, I want to invest 6000 monthly. I am based in Thane, kindly guide me how can I invest this money to get maximum return.
Hello Rupali and thanks for writing to me. I am assuming that you are investing for the long term.
You can consider starting SIPs in equity funds as follows:
- Rs.2000 SIP in Multi Cap Funds
- Rs.2000 SIP in a Flexi Cap Fund
- Rs.2000 SIP in a Small Cap Fund.
Annual step ups will help you create a large corpus.
C: Sir I want to invest 8k to 10 k every month for my 2 kids who are 4 years old for long term for 15 to 20 yrs please suggest good mutual funds I want to diversify in large, mid cap and small cap
Hello & thanks for writing to me. As your time horizon is long & the goal is to build a corpus for your children over 15 to 20 years, you have rightly chosen equity schemes.
You can consider starting SIP's of equal value amounts in:
1-Axis Flexicap Fund
2-Kotak Smallcap Fund
3-Canara Robeco Emerging Equity Fund
4-SBI Bluechip Fund
5-ABSL Multicap Fund
Stepping up your SIPs by 10% or more every year will help you build a larger corpus. It is essential to periodically rebalance your portfolio to ensure that you are on the right track.
- You can ask rediffGURU Ulhas Joshi your questions HERE.
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