I am expecting 1-1.5 lacs within 2months. Pl advice which funds will be better so that I can get good returns in next 5 years? Also, share funds for 5-10 year goal with medium risk.

Ans: Kindly park in HDFC short term fund – growth

Ans: Hi Kiran. Thank you for writing to me. As you mention you have a corpus of Rs.2 Lakh you can invest, I advise you to start a Systematic Transfer Plan by first investing the amount in a liquid fund or overnight fund and then the fund would house would automatically redeem an amount from the liquid fund and invest it into an equity scheme. This way you get the benefits of rupee cost averaging.

You can consider starting a Systematic Transfer Plans as follows:

1-Invest Rs.1 Lakh into Samco Overnight Fund and start a Monthly STP of Rs.5,000 investing into Samco Flexicap Fund.

2-Invest Rs.1 Lakh into Edelweiss Liquid Fund and start a monthly STP of Rs.5,000 investing into Edelweiss Nifty 100 Quality 30 Index Fund.

For the additional SIP's, you can consider investing in:
1-DSP Quant Fund-Rs.5,000 per month.
2-UTI MNC Fund-Rs.5,000 per month.

Ans: Considering your substantial investment capacity, you can diversify across different asset classes for balanced growth. Start with allocating a portion to large-cap, mid-cap, and small-cap equity funds for potential higher returns over the long term. Additionally, include debt funds for stability and gold funds for diversification. Begin with a lump sum investment in suitable funds and initiate SIPs with the remaining amount, increasing by INR 25,000 annually. Consult with a financial advisor to tailor the portfolio to your risk tolerance and financial goals, ensuring a well-rounded investment strategy.

Ans: At 78, ensuring your investments provide a stable income is crucial. While FDs offer safety, they might not always provide the returns you desire, especially considering inflation and the need for higher returns to match your budgetary needs.

Considering your age and need for higher returns, you might want to consider Debt Mutual Funds or Balanced Advantage Funds. Debt Mutual Funds predominantly invest in fixed-income securities and can offer better returns than FDs with a moderate risk profile. On the other hand, Balanced Advantage Funds dynamically manage equity-debt mix based on market conditions, aiming for consistent returns.

However, Mutual Funds, even debt funds, come with some risk. They are subject to market fluctuations, and while they aim to provide better returns than FDs, they might not always guarantee fixed returns.

Given your situation, consulting with a Certified Financial Planner would be highly beneficial. They can assess your risk tolerance, financial needs, and recommend a suitable investment strategy tailored to your requirements.

Remember, while aiming for higher returns, it's also essential to maintain a balance between risk and returns, ensuring your investments align with your financial goals and peace of mind in retirement.

Ans: Hello, this depends on your age and other investments done by you
But since your time line is 15yrs , you can go for an aggressive portfolio
Mid cap - 40%
Small cap - 40%
Multicap - 20%

Remember that past performance is not a guarantee for future returns, and it's always important to review your investments periodically to ensure they remain aligned with your financial objectives.