is there any rsik inplacing FD with Yes bank over and above Rs5 lacs

Ans: its a garbage, why do you even want to buy it when you have such wonderful profit making companies available on the stock exchange.

Ans: stick to larger and better quality stocks or otherwise buy a good mutual fund.

Ans: Investing wisely is crucial for achieving your financial goals. Let's explore some options suited to your needs:

Saving and investing can be daunting, but you're taking the right step by seeking advice. Kudos to you!

Considering your age and financial situation, it's essential to strike a balance between risk and return.

Equity mutual funds offer the potential for higher returns over the long term, but they come with market risks.

Debt mutual funds provide stability and regular income with lower risk, making them suitable for conservative investors.

Fixed deposits provide security but may not offer inflation-beating returns, especially in the current low-interest-rate environment.

National Pension System (NPS) and Public Provident Fund (PPF) offer tax benefits and stable returns, making them attractive options for retirement planning.

Avoiding real estate is a wise choice, as it involves high initial costs and liquidity issues.

To make informed decisions, consult with a Certified Financial Planner (CFP). They can assess your risk tolerance and financial goals, guiding you towards suitable investment options.

Remember, investing is a journey, not a sprint. Stay disciplined, and you'll reap the rewards in the long run.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

Ans: Invest in following funds in the percentage given:

ICICI Pru or Mirae Asset Large & Midcap fund: 30%
PPFAS flexicap fund: 30%
Nippon India Small cap fund: 10%
HDFC BAF: 20%
ICICI Pru Multi asset allocation fund:10%

You may do lumpsum investments in this proportion for your matured FD value of 50 L.

Be disciplined(for SIP) and review your portfolio every year. Don't believe on SM chatter and rumours. Let your investments decisions be fact based and objective without letting in any fear, favor or bias.

Happy Investing!!