I am 27 years old. I want to invest Rs 11 lakhs in MFs. Can we anticipate markets to remain healthy for next 1 to 1.5 years? I want to invest lump sum. Kindly suggest good funds to me.

Ans: You may consider:

 

Ans: Hello Sai Kumar. Thanks for discussing your requirements. I recommend investing in the following schemes based on all factors:

• Quant Flexi Cap Fund -- 40000
• Canara Robeco Emerging Equities Growth -- 40000
• Axis Mid Cap Fund -- 30000
• Nippon India Small cap Fund -- 20000

Total: 130000

Ans: Considering your long-term investment horizon of 25-30 years and your risk appetite, your selection of mutual funds seems suitable. However, it's essential to ensure proper diversification across different asset classes and market segments to mitigate risk. Since you are a farmer and have a monthly savings capacity of Rs. 15,000, you can distribute your investments across these funds based on your risk tolerance and financial goals. Additionally, consider consulting with a financial advisor to fine-tune your investment strategy and ensure alignment with your objectives. Regularly review your portfolio's performance and make adjustments as needed to stay on track towards your goals.

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
• ICICI Prudential Short Term Fund
• HDFC Short Term Debt Fund
• Axis Short Term Fund
• ICICI Prudential Corporate Bond Fund
• HDFC Corporate Bond Fund
• Aditya Birla Sun Life Corporate Bond Fund.
Best regards,
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
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