Sir i have 30lakhs were to invest now markets are so where should i invest now i want regular income on that so that i can invest that monthly income in mutualfunds

Ans: Hello Dilip and thanks for writing to me.

Assuming your investments compound at around 12%, you will be able to create a corpus of Rs.50 Lakh in around 11 years .

You can consider starting SIP's in:

1-Nippon India Multi Asset Fund: Rs.4,000
2-Samco Flexicap Fund:Rs.4,000
3-DSP Quant Fund:Rs.4,000
4-SBI Focused Equity Fund: Rs.4,000
5-Canara Robeco Bluechip Fund: Rs.4,000

Annually stepping up your SIP's by 10% or more will help you achieve your goal amount faster. Rebalancing your portfolio is also essential to ensure you are on the right track to achieve your goal.

Ans: only bluechip stocks through SIP mode


Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Ans: Hello Deepika! It's fantastic that you're thinking about investing at such a young age. Investing early can significantly benefit your financial future. Let's explore some suitable investment options for you:
Mutual Funds via SIP:
1. Equity Mutual Funds: Consider investing in diversified equity mutual funds through SIPs. These funds have the potential to offer high returns over the long term. Look for funds with a proven track record and a focus on wealth creation.
2. ELSS Funds: Equity Linked Savings Schemes (ELSS) offer the dual benefit of tax savings under Section 80C of the Income Tax Act and potential wealth creation. ELSS funds have a lock-in period of three years, making them suitable for long-term investing.
Index Funds:
1. Nifty Index Funds: If you prefer a passive investment approach, you can consider investing in Nifty index funds. These funds aim to replicate the performance of the Nifty 50 index and offer low-cost investing options.
Tips for Investing:
1. Diversification: Spread your investments across different asset classes to reduce risk. Consider allocating a portion of your investment to debt funds or other fixed-income securities for stability.
2. Risk Tolerance: Assess your risk tolerance before investing. Equity investments carry higher risk but also offer the potential for higher returns over the long term. Ensure your investment strategy aligns with your risk appetite.
3. Long-Term Perspective: Investing for 10 years allows you to ride out market fluctuations and benefit from the power of compounding. Stay committed to your investment plan and avoid reacting to short-term market movements.
4. Regular Review: Periodically review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Consider consulting with a Certified Financial Planner for personalized advice.
Conclusion:
By investing ?10,000 per month for the next 10 years, you can build a substantial corpus for your future financial goals. Consider the mentioned investment options and create a diversified portfolio tailored to your risk profile and investment objectives.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

Ans: It's great to see your proactive approach to investing and your willingness to explore additional investment avenues. Given your risk tolerance, time horizon, and monthly saving capacity, mutual funds can be an excellent option to diversify your portfolio and potentially enhance returns over the long term. Here's a suggested approach for your monthly investments of 25,000 to 50,000 rupees:

Increase SIP Investment:
Since you're already investing in Mirae ELSS with a monthly SIP of 4,000 rupees, consider increasing your SIP amount in this fund or adding SIPs in other mutual funds.
Diversify Across Fund Categories:
Allocate your monthly investment across different categories of mutual funds to diversify your portfolio and manage risk effectively.
Consider investing in large-cap, mid-cap, and multi-cap funds to gain exposure to different segments of the market.
Consider Systematic Investment Plans (SIPs):
SIPs offer the advantage of rupee cost averaging and disciplined investing, making them suitable for long-term wealth creation.
You can start SIPs with varying amounts in different funds based on your risk appetite and investment objectives.
Fund Selection:
Choose mutual funds with a proven track record of consistent performance, experienced fund managers, and a robust investment process.
Look for funds with low expense ratios and high-quality portfolios that align with your investment goals and risk profile.
Regular Monitoring and Review:
Keep a close eye on the performance of your mutual fund investments and regularly review your portfolio to ensure it remains aligned with your financial objectives.
Make adjustments to your investment strategy as needed based on changes in market conditions, your risk tolerance, and investment goals.
Seek Professional Advice:
Consider consulting with a financial advisor or Certified Financial Planner to develop a customized investment plan tailored to your specific needs and goals.
A professional can provide valuable insights and guidance to help you make informed investment decisions and navigate the complexities of the financial markets.
By diversifying your investments across mutual funds and adopting a disciplined approach to investing, you can potentially achieve your financial goals and build wealth over the long term. Remember to stay patient, stay focused on your long-term objectives, and avoid making impulsive investment decisions.

Ans: Congratulations on taking the initiative to invest at a young age! Let's explore a diversified investment strategy tailored to your financial situation and goals.

Assessing Investment Allocation
Mutual Funds (MF):

Allocate a significant portion of your monthly investment towards mutual funds, considering their potential for long-term growth and diversification benefits.
Aim to invest around 60-70% of your monthly investment amount in mutual funds across various categories such as large-cap, mid-cap, and multi-cap funds.
Insurance:

While insurance is essential for financial protection, allocate a smaller portion of your investment towards insurance premiums.
Consider investing around 10-20% of your monthly investment amount in insurance policies such as term insurance for adequate coverage.
Emergency Fund:

Build an emergency fund equivalent to 3-6 months of living expenses to cover unexpected financial needs.
Allocate a portion of your monthly investment towards gradually building your emergency fund until it reaches the desired level.
Other Investments:

Explore other investment avenues such as fixed deposits, recurring deposits, or Public Provident Fund (PPF) for stable returns and tax benefits.
Allocate a small portion of your monthly investment, around 10-20%, towards these conservative investment options to ensure a balanced portfolio.
Advantages of Actively Managed Funds Over Index Funds
Actively managed mutual funds offer the expertise of professional fund managers who actively select and manage the fund's investments to outperform the market.
These funds have the flexibility to adapt to changing market conditions and capitalize on investment opportunities, potentially yielding higher returns.
Unlike index funds, which passively track a market index, actively managed funds can generate alpha through active portfolio management and security selection.
Considerations for Direct Fund Investment
While direct funds offer lower expense ratios compared to regular funds, they require active involvement in research, monitoring, and portfolio management.
Direct fund investors must possess the necessary knowledge and expertise to select suitable funds and manage their investment portfolio effectively.
Investing through a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD) provides access to professional guidance and personalized investment advice, enhancing the overall investment experience.
Conclusion
By following a disciplined investment approach and diversifying across various asset classes, you can build a robust investment portfolio that aligns with your financial goals and risk tolerance. Remember to review your investments periodically and make adjustments as needed to stay on track towards achieving your objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in