Or, if you want to suggest to me to invest in MFs then please advise with the name of funds and allocation. Thank you very much!

Ans: You may consider below funds:

• Parag Parikh Flexi Cap Fund- Growth
• Samco Flexi Cap Fund – Growth
• UTI MNC Fund - Growth Plan
• HDFC Index Fund - Sensex Plan  - Growth

Ans: Rs. 10000 in each per month

1.  Axis ESG Equity fund – Growth
2. UTI Flexi Cap fund – Growth
3. PPFAS Flexi Cap – Growth
4. DSP Quant Fund – Growth

Ans: A few schemes that may be considered are:

 

Ans: It's wonderful to hear that you're considering investing for the long term. Investing with a horizon of over five years can offer the potential for growth while allowing your investments time to ride out market ups and downs. Have you thought about your risk tolerance and how comfortable you are with market fluctuations over this period?

A Certified Financial Planner would typically recommend a diversified approach to capture growth opportunities across different sectors and market caps. This can help spread the risk and potentially enhance returns over the long run.

Remember, investing is a journey, not a sprint. It's about patience, consistency, and making informed choices. As you embark on this journey, it's essential to stay updated, periodically review your investments, and make adjustments as needed.

May your investment journey be rewarding, both financially and in the wisdom it brings.

Ans: Dear Sir,

Thank you for reaching out with your question about investing ?1 lakh per month in mutual funds.

I completely understand why this feels like an important decision. But one thing I must share honestly — choosing mutual funds cannot be done in isolation. The right investment mix depends on a few personal factors like:

Your age and risk-taking ability (how much market ups and downs you’re comfortable with)

Your financial goals (buying a house, children’s education, retirement, business expansion, etc.)

The time frame for each goal

Any existing loans or commitments that may affect cash flow

? General Guidance:

Instead of jumping straight into fund names, it’s always better to start with a plan.

A good ?1 lakh monthly investment can be spread across:

Equity funds – for long-term growth

Hybrid or debt funds – for balance and stability

Tax-saving ELSS – if you need additional Section 80C benefit

???? What you can do next:
I’d strongly recommend having a financial planning session first. Once your goals and comfort with risk are clear, we can build a SIP portfolio that matches your journey. That way, your investments are not just “good funds” but the right funds for you.

Summary:
Mutual funds are excellent tools for wealth creation, but the best results come when they are aligned with your personal life goals. Let’s define those clearly before committing your ?1 lakh per month.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
www.alenova.in