Hi Sir, My take home salary is 90K with no debts and NO EMI's, I am very new to MF-SIP, my age is 41 now. I can invest upto 10,000 to 20000 per month, considering a investment period of 12 to 15 years, kindly suggest MFs which can give a returns of around 25 % , kindly consider HDFC MFs as a option for investment and suggest further.

Ans: Both are good funds, please continue, further you may consider 2 /3 schemes from:

1. UTI flexi cap fund – Growth.     
2. Parag Parikh Flexi cap - Growth 
3. Samco Flexi Cap – Growth
4. Axis Esg Equity Fund  Growth
5. Hdfc Index Fund - Sensex Plan - Growth

Ans: It's better to start with staggered investments, instead of a lump sum.

A few schemes that may be considered are:

 

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: It's great to see your proactive approach towards investing despite having home loan commitments. Given your financial situation, here's a suggested breakdown for investing 40,000 INR in mutual fund SIPs:

Diversified Equity Funds (Large Cap/Multi Cap): Allocate around 60-70% of your SIP amount, i.e., 24,000 to 28,000 INR, to diversified equity funds. These funds offer exposure to a mix of large-cap and multi-cap stocks, providing stability and growth potential over the long term.
Mid Cap and Small Cap Funds: Allocate around 20-30% of your SIP amount, i.e., 8,000 to 12,000 INR, to mid-cap and small-cap funds for higher growth potential. These funds are more volatile but can offer significant returns over an extended investment horizon.
Balanced/Hybrid Funds: Consider allocating a small portion, around 10-20% of your SIP amount, i.e., 4,000 to 8,000 INR, to balanced or hybrid funds. These funds invest in a mix of equities and debt instruments, providing a balance between growth and stability.
Asset Allocation: Adjust the allocation percentages based on your risk tolerance, investment horizon, and financial goals. Regularly review your portfolio's performance and make necessary adjustments to ensure alignment with your objectives.
Professional Advice: Consider consulting with a Certified Financial Planner who can provide personalized guidance based on your financial goals, risk profile, and investment horizon. They can help you select suitable mutual funds and create a well-diversified portfolio tailored to your needs.
By following this breakdown and seeking professional advice, you can build a robust mutual fund portfolio that aligns with your financial objectives and helps you achieve your long-term wealth creation goals.