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Dev Ashish  | Answer  |Ask -

MF Expert, Financial Planner - Answered on Jun 13, 2023

Dev Ashish is a fee-only SEBI-registered investment advisor with over 15 years of active experience in the stock market. In 2011, he founded StableInvestor, a platform for personal finance and financial planning.
He provides professional fee-only investment advisory services to small and high networth individuals in order to help them achieve their financial goals.
Ashish's views are regularly published in national business publications. He has an MBA degree from NMIMS, Mumbai and also holds an engineering degree.... more
sedrick Question by sedrick on May 08, 2023Hindi
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We want to start a SIP in MF of 10,000 per month for a period of 5 years. How about an index fund. Can you please suggest

Ans: Investing in a passive index fund can be a good option. But given the nature of equity markets, you should be willing to wait longer than 5 years if need be when you invest. There are no multiple options in passive funds too, but for most investors, picking a Nifty50-based index fund is good approach.

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.
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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We want to start a SIP in MF of 30,000 per month for a period of 5 years in five different MFs. How about an index fund? Can you please suggest some good index funds where I can invest with a return possibility of 12 per cent CAGR?
Ans: For a SIP of Rs 30,000 per month spread across five mutual funds, adding an index fund to the mix is a great idea due to its low cost and potential for stable long-term growth. Index funds often closely follow market performance, and a return of around 12 per cent CAGR is a reasonable expectation for well-chosen equity index funds over the long term.
Here are some top-performing index funds you could consider for your investment:

1. UTI Nifty 50 Index Fund

• Tracks: Nifty 50
• Known for: Stable long-term growth, mirroring the performance of India's top 50 companies
• Expense Ratio: Low
• Historical Returns: ~12 per cent CAGR over long periods.

2. HDFC Index Fund -- NIFTY 50 Plan

• Tracks: Nifty 50
• Focus: Long-term wealth creation by investing in a diversified set of blue-chip companies.
• Expense Ratio: Low
• Historical Returns: ~11-12 per cent CAGR over long periods.

3. ICICI Prudential Nifty Next 50 Index Fund

• Tracks: Nifty Next 50
• Focus: Exposure to the next top 50 companies after Nifty 50, offering diversification and growth potential.
• Expense Ratio: Moderate
• Historical Returns: ~12 per cent CAGR.

4. Axis Nifty 100 Index Fund

• Tracks: Nifty 100
• Focus: Broad exposure to the top 100 Indian companies by market capitalisation.
• Expense Ratio: Low
• Historical Returns: ~11-12 per cent CAGR.

5. Mirae Asset Nifty 50 Index Fund

• Tracks: Nifty 50
• Known for: Consistent performance and relatively lower expense ratio.
• Expense Ratio: Low
• Historical Returns: ~12 per cent CAGR.

These funds can be a solid choice to anchor your portfolio, offering market-linked returns and stability. Combining these with other diversified equity funds, such as flexi-cap or mid-cap funds, would help balance risk and maximise growth.

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Archana Deshpande  |103 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Mar 04, 2025

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Hi Mam, Hope you are doing well. I am very worried about my son who is now 12.5 years old and studying in 7th standard in a very reputed school. Since childhood, he has no interest in studies, unless we doesn't seat in front of him, he doesn't study. Every teacher from his kindergarten days upto now has the same complaint that he is doesn't pay attention in class and the result is he doesn't get good marks in the exam. When we scold him for studies, he does it for that particular time only and then get back to his non-interest mode again and start to run from studies. He will play video games, goes to play around with his friends, he will find some or the other reason for not doing studies or homework. The irony is that he is not interested in any sports or any other kind of activities. In every summer holidays, we make him to join some sports or music classes, but there also he doesn't show interest and do things just for the sake of showing. From last year, we have started sending him to tuitions also, but no change in attitude. This year we have found a teacher of his reputed school who is retired and taking tuitions, we are sending him to her and she is charging a big amount for tuitions. please guide how can we change his attitude and make him more serious in any activity he does as he doesn't have interest in anything (we have observed doing everything we can).
Ans: Hello Sunil!!

I am doing great, thank you for asking, God bless you!

I can totally understand when you say you are worried.

Your son is 12.5, he will soon be a teenager. There will be different challenges, I want you to read up on parenting a teenager and be ready to handle him well.

The problem as I see it is that everyone of you, his teachers included have made studies like a burden for him.... and subjected the young child to a lot of anxiety, he just wants to run away form it....
"Every teacher from his kindergarten days upto now has the same complaint that he is doesn't pay attention in class".... this statement of yours... it is the teacher's duty to ensure the child listens to him/her, how can she start labeling a child like this. From a young age your son has been conditioned to believe that he is not not good in studies, he doesn't focus and he doesn't sit in one place. All my sympathies are with your son...every child comes with immense potential and it's our duty as parents and teachers to nurture the child.

The following is what I propose so that we bring him back to loving to learn ( not score marks, that should never be the barometer)-
1. Love your child the way he is now
2. Give him lot of positive strokes
3. Have one on one sessions for any activity you plan for him... let him choose the activity, empower him
4. choose a teacher, who can get along with him and help him develop a positive attitude towards studies and life in general
5. look for a school where they nurture him... not just a reputed one...less number of students and a teacher who is invested in her/ his students,

If you can connect with me, I can help him. Have had many a students in this kind situation.
This is my website..
https://transformme.co.in/

Loads of best wishes to the whole family..

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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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