which is high risk-high returns mutul fund

Ans: You may invest in blue-chip companies like Infosys, HDFC Ltd. Colgate, Reliance industries and some of the midcaps like Inox leisure, Havel’s India and Voltas as margin of safety is higher in these stocks.

Ans: Choosing mutual funds solely based on past returns can be risky as past performance may not necessarily indicate future performance. Instead, it's essential to consider various factors such as investment objectives, risk tolerance, and investment horizon. Here are some tips to help you select mutual funds that may potentially offer higher returns:

Investment Goals: Determine your investment goals, whether it's wealth creation, retirement planning, or saving for a specific goal. Different goals may require different investment strategies and risk profiles.
Risk Tolerance: Assess your risk tolerance to determine how much volatility you can tolerate in your investment portfolio. Higher returns often come with higher risk, so it's crucial to align your investments with your risk tolerance.
Diversification: Invest in a diversified portfolio of mutual funds across various asset classes such as equity, debt, and international funds. Diversification can help reduce overall portfolio risk and enhance long-term returns.
Fund Manager's Track Record: Evaluate the track record and experience of the fund manager managing the mutual fund. A skilled and experienced fund manager can make a significant difference in fund performance over the long term.
Expense Ratio: Consider the expense ratio of the mutual fund, which represents the annual fees charged by the fund house for managing the fund. Lower expense ratios can translate to higher returns for investors over time.
Consistency of Performance: Look for mutual funds that have demonstrated consistent performance over different market cycles rather than just focusing on short-term returns. Consistency indicates the fund's ability to deliver returns across various market conditions.
Fund House Reputation: Choose mutual funds offered by reputable fund houses with a strong track record of managing investor funds responsibly and ethically.
Regular Monitoring: Regularly monitor the performance of your mutual fund investments and review your investment strategy periodically to ensure it remains aligned with your financial goals and risk tolerance.
Remember, there's no guarantee of high returns in mutual fund investments, and it's crucial to invest with a long-term perspective while diversifying your portfolio appropriately.

Best Regards,

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

Ans: You may consider investing in following type of mutual funds, since they have a moderate or lower risk rating inline with your risk profile:

Equity savings fund
Corporate bond fund
Dynamic bond fund
Gilt fund
Arbitrage fund
Liquid fund
Top 4 may be utilised for your investments and the remaining two fund types may be used for parking your emergency funds.
*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Happy Investing!!

Ans: Hi,

There are many MFs out there giving returns from 5% to 40%. Cannot just name the fund to misguide.
Choosing the right fund depends on so many things such as your age, goal, purpose, current assets and many more.

Feel free to share any other query you have. Or consult a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/