my daughter age 24 years old which SIP would be best for long term of 20 thousand /month for direct investment

Ans: You may look at:

1. UTI flexi cap fund – Growth. OR
2. Parag Parikh Flexi cap – growth OR
3. Samco Flexi Cap – Growth

If you want Mr Singh's advice on your mutual fund investments, please mail your questions to getahead@rediff.co.in with the subject line, 'Ask MF Guru', along with your name, and he will offer his unbiased views.

Ans: small cap is better as you have time by your side. Which small cap you need to reach out to a SEBI registered RIA for that as they are the right people to guide you through a define objective and goal. you can find one in your are through the link - https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13

Ans: Choosing the right investment for a long-term goal requires careful consideration of your daughter's risk tolerance, investment horizon, and financial goals. Given her young age and ultra-long-term investment horizon, a diversified equity-based mutual fund could be a suitable option.

You can go for a good flexi cap fund along with some allocation to a nice mid cap fund, assuming you will continue SIP for more than 10 years with required increment every year.

Remember to review your portfolio periodically and rebalance it as needed to maintain your desired asset allocation.

Ans: When selecting mutual funds for your daughter's SIP investment of 25k per month for 25 years, it's essential to consider various factors to maximize returns over the long term:

Investment Horizon: Since you have a 25-year investment horizon, you can afford to take higher risks and invest in equity-oriented funds that have the potential to deliver superior returns over the long term.

Diversification: Opt for well-diversified equity funds that invest across different sectors and market capitalizations to spread risk. Diversification helps mitigate the impact of volatility and specific sectoral risks.

Fund Performance: Evaluate the historical performance of mutual funds by analyzing their long-term returns relative to their benchmark indices and peers. Choose funds with a consistent track record of outperformance across market cycles.

Fund Manager Expertise: Assess the expertise and experience of the fund managers managing the schemes. A skilled and experienced fund management team is crucial for making informed investment decisions and navigating market volatility effectively.

Expense Ratio: Consider the expense ratio of mutual funds, which directly impacts your overall returns. Lower expense ratio funds tend to provide better net returns to investors over the long term.

Risk Profile: Align the mutual fund selection with your daughter's risk tolerance and investment objectives. Since she is young and has a long investment horizon, you can consider investing in equity funds with a higher risk-return potential.

Regular Review: Periodically review the performance of the selected mutual funds and make necessary adjustments to the portfolio based on changing market conditions, fund performance, and investment goals.

By carefully considering these factors and selecting well-managed, diversified equity funds with a track record of consistent performance, you can potentially maximize returns and achieve your long-term investment objectives for your daughter's future financial goals. It's advisable to consult with a financial advisor to tailor the investment strategy to your specific requirements and risk appetite.

Ans: Invest in a good small cap fund for atleast 15yrs for your daughter.