I want to invest Rs 2000/- in MF for a long time for my 6-yr-old daughter’s marriage without tax benefit. Kindly suggest me where to invest for quite assured high return though MF investment is subject to market risk.

Ans: Sir, there are no risk-free mutual funds investment options

Ans: "For a monthly investment of Rs. 20,000 in your daughter's name for the next 5 years, you can consider the following mutual fund schemes:

Large Cap Equity Funds: These funds invest in well-established and large companies, offering stability and moderate returns over the long term.

Flexi-Cap Funds: These funds offer flexibility by investing across companies of all sizes, aiming for higher returns.

Balanced Advantage Funds: These funds dynamically manage equity and debt exposure based on market conditions, offering a balanced approach.

Children's Funds: Some mutual funds are specifically designed for children's education and future needs. They often come with features tailored for long-term goals.

Ensure you select funds with a consistent track record, low expense ratios, and experienced fund managers. Additionally, keep in mind your risk tolerance and investment objectives when choosing mutual funds. It's also a good idea to consult with a financial advisor to tailor the investment strategy to your daughter's needs and your financial situation."

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.

Ans: For safe and steady returns, consider balanced advantage funds, large-cap funds, or conservative hybrid funds. Allocate based on your goals and risk tolerance. Consult a CFP or MFD like us for a customised investment plan tailored to your financial needs.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment