I am 54 years old. My risk profile is growth/aggressive.

I have surplus of Rs 35 lakhs which I want to invest for five years. I'm okay with lumpsum or STP/SIP.

Please suggest a good MF scheme. I have shortlisted a few below:

1- UTI Flexi Cap Fund-Direct	Rs 15 lakhs
2- IIFL Focused Equity Fund	Rs 15 lakhs
3- Mirae Asset Tax saver (ELSS)	Rs 5 lakhs

Ans: You may consider via SIP or STP route.

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: Hello Value Investor. As per requirement and age factor, You may consider categories like Multicap, midcap and small cap for lumpsum and sip investment.

Ans: there is a nice option in case if you are a director in any company, where in whatever you will invest on per annum basis, same amount would be received back by you from 12 th year onwards till next 30 years.
Eg. If you invest 1 lac for say 10 years, so from 11th year end, you will start receiving 1 lac for next 30 years and at the end of 30 years, you will receive back your investment. You can add nominee in this process too.
Risk cover is 10 times of your yly investment.

the above option may best suit you looking at your profile.

If you are salaried person, and if you can spare 20 k, HDFC Micro Fund may be the nice option from available option in my opinion. As a thumb rule, please pull out your investment every 5 years and change the form, from MF to property or gold and keep continue to invest in MF as well.

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.