Mene 2.5 lakh hdfc balance advantage fund me nivesh Kiya he to agle 10 salo me kitna return mil sakta he aur tax kitna lagega
Ans: Investment Analysis
Fund Type
HDFC Balance Advantage Fund is a hybrid fund.
It invests in both equity and debt.
Its risk is lower than pure equity funds.
Possible Returns
Predicting 10-year returns is tricky.
Such funds might give 10-12% yearly returns.
This depends on market conditions.
Tax Considerations
Long-term capital gains are taxed at 12.5%.
This applies only to gains above Rs. 1.25 lakh.
Gains up to Rs. 1.25 lakh per year are tax-free.
Risk Assessment
Hybrid funds have moderate risk.
They're less risky than pure equity funds.
But they may give lower returns than equity funds.
Investment Horizon
Your 10-year plan is good for this fund.
Long-term investing helps manage market ups and downs.
It gives your money time to grow.
Regular vs Direct Plan
Check if you've invested in regular or direct plan.
Regular plans give expert guidance but cost more.
Direct plans are cheaper but need more self-management.
Monitoring Your Investment
Check your fund's performance every 6 months.
Compare it with similar funds.
Consider changes if it underperforms for long periods.
Rebalancing
As you get closer to your goal, reduce risk.
Think about moving some money to safer options.
This protects your gains as you near your goal.
Finally
Your investment choice is good for moderate growth.
Keep an eye on its performance and make changes if needed.
Consider talking to a Certified Financial Planner for personalized advice.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
