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Ulhas Joshi | Answer |Ask -Follow

Mutual Fund Expert - Answered on Aug 02, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more

Question by Murali on Jun 28, 2023Hindi

Money

I would like make a lumpsum investment of Rs.10 Lakhs for long term with highest returns. Please suggest MFs.

Ans: Hello Murali and thank you for writing to me.

Generally, you can diversify your investment of Rs. 10 lakhs in 5 different schemes equally, such as:

1-DSP Quant Fund
2-Samco Flexicap Fund
3-Nippon India Multi Asset Fund
4-UTI MNC Fund
5-Axis ESG Fund

If you could state your risk appetite, specific goals, time horizon, etc., I may recommend other schemes to you.

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 am an NRI, 43. I want to invest 5 lakh every year for next 10 years in MFs. Please advise.

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Suggest an MF where I can invest a lump sump of 50K to 1Lakh for next 10 years

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You can invest in a good Mid or Small Cap Fund if you have a time period of 10 years and a matching risk profile. PGIM India Mid Cap Opportunities Fund/Nippon India Small Cap Fund would be good options for you. In the initial 3 years, you might face negative returns as equity oriented funds are very volatile in the short term but you can expect the returns ranges between 12% to 15% in 10 years of investment horizon.

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I have 10 lakh rupees which I want invest in MF. Please suggest some fund for lump sum amount to invest for 1 and half years.

Ans: Dear Friend,
Thank you for your query. 1.5 Years is a very short time for getting high returns. Investing Rs 10 lakhs in mutual funds for a short-term horizon of 1.5 years requires a cautious approach. For such small period, you should look for low to moderate-risk funds that offer stability with reasonable returns, as investing in high-risk equity funds might be too volatile for a short time frame. Since your investment horizon is just 1.5 years, avoid high-risk equity mutual funds as they can be volatile in the short term. Check for exit loads and tax implications before investing. Most short-term capital gains (if you withdraw before 3 years) from debt funds are taxed according to your income tax slab.
You have to evaluate your risk Appetite , Short-Term Debt Funds are invested in government securities, corporate bonds, and other debt instruments with short maturities, offering stability and moderate returns. For a 1.5-year investment, these are ideal as they are less volatile. you can expect 5-7% per annum Returns. You can think of
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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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