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Sudhanshu Singh |5 Answers |Ask -Follow

Answered on Apr 12, 2022

Question by Soham on Apr 12, 2022Hindi

Money

I want to do SIPs of Rs 25,000 per month. I am 50 and can invest 10 lakh as lump sum too. In which MFs can I start my SIPs and would you have any good names for making lump sum investment?

Ans: Nice to know that you can invest 10 lakh in lump sum. I will suggest you to invest this lump sum money in debt-based mutual funds which can give inflation-beating return. You should try to keep in line with returns on this fund and wait for a right opportunity to invest this fund in balanced or growth funds (like when you see market crash).

Further as far as your monthly investment goes you should invest the same in balanced funds which will be a mixture of debt and equity and will give a good return with safety of funds.

Some good balanced funds can be:

1. HDFC Balanced Advantage Fund

2. ICICI Prudential Balanced Advantage Fund

3. Nippon India Balanced Advantage Fund

4. Edelweiss Balanced Advantage Fund.

5. L&T Dynamic Equity Fund.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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I have following MFs in lump sum deposit. SBI Multicap D/P Growth - 3 L SBI Retirement Benefit Fund Aggressive Plan - Regular Plan Growth - 2.5 L SBI Retirement Benefit Fund Conservative Hybrid Plan - Regular Plan Growth - 2.5 L SBI Nifty Next Fifty Index funds D/P - Growth - 82 K Please suggest some SIPs for monthly 1 LAKH SIP for a target of 2 Cr in three years.

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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: You can consider Axis ESG Equity Fund (Growth), DSP Focus Fund (Growth), ICICI Prudential US Bluechip Equity Fund (Growth), Parag Parikh Flexi Cap Fund (Growth), SBI Magnum Globad Fund (Growth) and DSP Quant Fund (Growth).

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Asked by Anonymous - Mar 27, 2023Hindi

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Hi, I have no MF investments as of now. Some NPS Tier1 investments only. I want to make a lumpsum invest of 10L for 5 years plus. Please advise which MF schemes to invest in. Also i want to start a SIP of 25k per month in different funds (in addition to NPS T1 and PF that i have ongoing), current age 39, investment horizon: mid to long term. Please suggest SIP related investments.

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.

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Sir.. I want to invest 10 Lakh Lumpsum in Mutual Funds and also want to start SIP of 50 K/month.. Please suggest funds to inverst both lumpsum and SIP.. Looking for 5 Yrs horizon for both .. Thanks in advance

Ans: Hello,
Assuming your age is 30-35 years and your time horizon is 10yrs+ , you can select the following funds
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Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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