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Ulhas Joshi |254 Answers |Ask -Follow

Mutual Fund Expert - Answered on Mar 16, 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 SHAILESH on Mar 04, 2023Hindi

Money

Right now I have corpus of 20 Lacs, which is not required till 10 years. I prefer to invest this in equity mutual fund. But considering the volatility in this year 2023, is it better to invest in debt first & switchover later to equity. Or should i invest entire amount in equity mutual fund right now.

Ans: Hi Shailesh, thanks for writing in. Considering you have a large corpus you do not need immediately, you can invest using a Systematic Transfer Plan.

You first invest your 20 Lakh in a debt fund and then place instructions to redeem the units of a certain value every month/quarter and invest the redemption proceeds into an equity scheme.

This way, you can reap the get the stability of investing in debt while you continue to systematically invest in equities and get the benefit of rupee cost averaging of the SIP mode.

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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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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