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Ulhas Joshi |255 Answers |Ask -Follow

Mutual Fund Expert - Answered on Jun 06, 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 Regina on Jun 05, 2023Hindi

Money

Hi. I'm a 25 yr old engineering with a monthly in hand salary of 72k. I would like to start investing in SIP. I expect to get a decent return to my investments with moderate/no-risk. Please suggest the monthly investment that I should make and in their allocation to various funds.

Ans: Hello Regina and thanks for writing to me. As I do not have any other information like your risk tolerances and goals, I am recommending a mix of funds only in the equity segment. Your risk tolerance may differ.

You can consider beginning monthly SIP's in:
1-Kotak Small Cap Fund (20% of your investible corpus)
2-UTI Small Cap Fund (20% of your investible corpus)
3-SBI Magnum Mid Cap Fund (20% of your investible corpus)
4-Canara Robeco Mid Cap Fund (20% of your investible corpus)
5-Edelweiss NIFTY 100 Quality 30 Index Fund (20% of your investible corpus)

Do note that periodic rebalancing will be needed for you to achieve your goals. Annual Step Up's will help you create a larger corpus.

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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Sir, I am 55, following are my SIPs per month: 1. Canara Robeco Emerging Equities Direct Growth- Rs. 2000/- 2. Kotak Equity Opportunities Fund Direct Growth- Rs. 2000/- 3. SBI Flexicap Fund Regular Plan Growth- 2000/- 4. SBI Blue Chip Fund - Regular Plan Growth-5000/- 5. HDFC Mid cap Opportunity Fund - Regular Plan Growth- 2000/-. Kindly advice. Also, I would like to invest more 10,000/- per month in SIP. Please suggest where should i invest.

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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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