Have read your questions and answers section and I like the same.

Till now, have not invested in MF except Rs 1 lakh in Edelweiss share market.

Am planning to move my FD to MF.

Kindly request you to suggest some funds where I can start a SIP and invest upto Rs 2 lakhs in lumpsum.

Age: 48 years

Total amount to invest per month: Rs 25,000.

Planning for invest upto: 58 years (10 years).

Request you to suggest the best option of mutual fund for SIP of Rs 25,000 per month and one time lump sum of Rs 2,00,000.

Ans: Large cap fund: HDFC Top 100 – Growth plan OR SBI Blue chip fund  - Growth

Flexi Cap Growth option: Parag Parikh Flexi Cap Fund- Growth OR Samco Flexi Cap Fund – Growth

Ans: Hello and thanks for writing to me. You can consider making lumpsum investments of Rs.2 Lakh in each of the below schemes:

1-Edelweiss NIFTY 100 Quality 30 Index Fund
2-DSP Quant Fund
3-SBI Blue Chip Fund
4-SBI Focused Equity Fund
5-UTI Flexi Cap Fund

You can also start monthly SIP's of Rs.5,000 in each of the above schemes.

Periodic reassessment and rebalancing is essential to ensure you are on the right track to achieve your financial goals.

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: Given your investment goals and time horizon, here's a suggested investment plan:

Retirement Corpus:

Allocate a significant portion of your SIP amount to large-cap, multi-cap, and diversified equity funds.
Large-cap funds offer stability, while multi-cap and diversified equity funds provide growth potential.
Gradually increase SIP amounts annually to keep pace with inflation and salary increments.
Child Education Corpus:

Diversify your SIPs across large-cap, multi-cap, balanced, and thematic funds.
Large-cap funds offer stability, while multi-cap and balanced funds provide growth potential with lower volatility.
Thematic funds can be considered for specific sectors or themes with growth potential, but exercise caution due to higher risk.
Combined SIP Allocation:

Allocate SIP investments based on your risk tolerance, investment horizon, and financial goals.
Balance the allocation between retirement and child education based on priority and time horizon.
Gradually increase SIP amounts annually to align with your financial goals and growing expenses.
Review and Monitoring:

Regularly review the performance of your SIP investments and adjust asset allocation if necessary.
Seek advice from a financial advisor to periodically assess your progress and make any required adjustments to stay on track with your goals.
By following a diversified investment approach and gradually increasing your SIP amounts over time, you can work towards building a substantial corpus for both your retirement and your child's education.

Ans: For a lump sum investment of ?5 lakh for 20 years, consider diversified equity funds or index funds for stability and growth potential.

For ?10k/month SIP, diversify across large-cap, mid-cap, and flexi-cap funds to balance risk and return over the long term.

It's essential to choose funds aligned with your risk tolerance and financial goals. It's advisable to consult with a financial advisor to select funds that suit your needs best.