I have 3 lacs to invest but no idea how and where to invest? Equity or MF or else?

Ans: The funds that you may consider are:

- Samco Flexi Cap Fund -- Growth

- Axis Esg Equity Fund Regular Growth

- Uti Flexi Cap Fund – growth

- Hdfc Index Fund -- Sensex Plan -- Growth

Ans: Apart from your portfolio, you can further invest in stocks such as Bata, Britannia, Bharti Airtel, Ashok Leyland, Crompton Consumers and Dabur. Buy the stocks in a staggered manner for the long term.

Ans: Considering your critical goal of your retirement after 13 (Age 60) years, I suggest you to put the amount through SIPs in a well-diversified portfolio of 5-6 equity oriented Large and Mid-Cap funds with not more than 20-20% allocation each category. You can also invest in solution-oriented fund i.e. retirement fund.

Note: Mid-cap fund can face volatility in initial 4-5 years but once the fund will get stabilized in your portfolio, you can expect 12-14% returns from these category of funds. Doing so will help you accumulate maximum requirement for your retirement corpus.

Ans: ere are a few considerations for your lump sum investment in mutual funds with a moderate to high-risk profile for a 10 to 15-year horizon:
1. Large & Mid Cap Funds: These funds invest in a mix of large-cap and mid-cap stocks, offering growth potential while maintaining a certain level of stability.
2. Multi-Cap Funds: These funds have the flexibility to invest across market capitalizations, including large-cap, mid-cap, and small-cap stocks. They provide diversification and the potential for higher returns.
Benefits of Actively Managed Funds:
1. Potential for Alpha Generation: Actively managed funds are run by professional fund managers who aim to generate alpha, or returns that exceed the benchmark index. Through in-depth research, market analysis, and active decision-making, fund managers seek to identify undervalued securities and capitalize on market inefficiencies to enhance returns.
2. Dynamic Portfolio Management: Actively managed funds have the flexibility to deviate from the benchmark index and capitalize on investment opportunities across different market conditions. Fund managers can adjust the portfolio allocation, sector exposure, and stock selection based on their market outlook and investment objectives, potentially optimizing returns and managing risk more effectively.
3. Tailored Investment Approach: Actively managed funds offer a personalized investment approach tailored to specific investment objectives, risk tolerance, and time horizon. Fund managers can incorporate qualitative factors, fundamental analysis, and macroeconomic trends into their investment decisions, providing investors with a diversified and actively managed portfolio designed to achieve their financial goals.
By considering the drawbacks of index funds and highlighting the benefits of actively managed funds, you can make informed investment decisions aligned with your retirement objectives and risk appetite.
Best Regards,
K. Ramalingam, MBA, CFP,
Certified Financial Planner
www.holisticinvestment.in

Ans: Hello,
If your horizon is long term which is 7yrs plus, you can invest 1L each in a mid and small cap fund using an STP of 10 weeks as it will stagger your investment and use the volatility that is caused by the elections
If everything is good for the economy after the elections, you can put the entire amount as lumpsum which is left in the debt fund after 2-3 weeks