I have 10 lakh to invest. I want to invest for short term for 18 to 24 month. I have invested 2 lakh in Motilal Oswal Multi Asset Fund - Regular Growth.

Can you suggest which MF to buy for remaining 8 lakhs.

Ans:

Please be informed, that the Equity oriented schemes (Equity / Hybrid) come under high to very high risk categories and not moderate. Therefore, Hybrid balanced advantage can only be considered which has moderately high risk.

1. ICICI Pru Balanced advantage fund - Growth
2. Union Balanced advantage fund -- Growth
3. Tata Balanced advantage fund growth

For 6 to 12 months you may look at low duration funds as under:

1. Icici Prudential Savings Fund - Growth
2. Aditya Birla Sun Life Low Duration Fund - Growth-
3. Hdfc Low Duration Fund - Retail- Growth

Ans: You may additionally consider from below:

• Axis Esg Equity Fund - Growth
• Uti Flexi Cap Fund-growth
• Hdfc Index Fund - Sensex Plan - Growth
• Samco Flexi Cap Fund - Growth

Ans: Considering your investment in SBI Small Cap Fund, you may diversify your portfolio by adding funds from different categories like large cap, multi-cap, or balanced funds. Always research and consult a financial advisor before investing.

Ans: It's wise to plan your investments with retirement on the horizon. Here are some suggestions for your lump sum investment:

Consider a mix of equity and debt mutual funds to balance growth potential with stability.
For equity exposure, opt for diversified equity funds or large-cap funds to minimize risk.
Additionally, allocate a portion to debt funds or hybrid funds to provide stability and income generation.
Given your investment horizon of 5-7 years, focus on funds with a proven track record of consistent performance.
Regularly review your investments and make adjustments as needed based on changes in your financial goals and market conditions.
Remember, investing is a long-term journey, and staying disciplined and diversified is key to achieving your financial objectives.
Consult with a Certified Financial Planner to receive personalized advice tailored to your specific needs and goals.
By carefully selecting mutual funds that align with your risk tolerance, investment horizon, and financial goals, you can work towards building a robust investment portfolio for your retirement years.