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Dear Ashalanshu,
As I already posted that I want this investment for my daughters` marriage purpose.
Keeping in mind the time frame (at-least 8 years for elder one and 15 years for the younger one), what should be my approach?
Also, keeping in mind the expanse ratio, what will be better?
Please suggest.
Thanks...
invest through sip last 1 yr return 35 to40%...
increase the amount to 2000..no no 1 time investment plz..believe in SIP.....
Should it will be wise to start a SIP now in HDFC TOP 200 FUND-GROWTH as the NAV of the scheme has gone high ? I have Reliance Equity Fund - Growth (SIP), how is the future prospect of this fund ?...
Hi Sir,
Thanks for ur revert but Moneycontorl has recommeded to Avoid Reliance Banking Fund (G). Please guide....
Istarted SIP 1000/PM On Birla Sun Life Front Line Equity in July 09.Shall Increase the Amount to 2000 OR One time investment of 20000...
i am new investor.my financial advisortold me thatlast year iong term debt funds have given return about 30%.i have rs 10lakhs invested in hdfc income fund&birla sunlife income fund in jan 2009.today i am having loss of rs 30000in both funds because of low bond interest rates as per my financial advisor.i have to build house now .i have sanctioned home loan at rate 8%for 3 yrsfrom sbi.my planning was to use loan for 3 years and repay loan amount from debtfund after 3 yrs taking advantage taxrebate on home loan.with new direct tax code implication from apr 2011 possibility of home loan tax advantage may be lost.so my ca has advised to book loss in income fund and use money for construction of house to be complited in march 2010.i am in dillema what to do.please give me your valuable expert opinion....
Dear pcs,
what are balanced funds? How risky are they? How much growth we can get annually? What are the best balanced funds with a horizon of 1-2 years?
Regards
Sunil...
Dear Ashalanshu,
I meant to say, self systematic investment in Gold ETF, by buying say 1 unit on a fixed date of each month.
I do have Demat Account.
So what should I do?
What`s your projection, as to which one will do better in long term (since my elder daughter is 10 year old, and I have at-least 8 more years for her marriage)?
Thanks
...
Which is the best Dividend Yield fund?
I will like to invest in those schemes which are consistent in giving good dividends.
Please suggest....
Dear Milan,
Your 30-70% is not ideal unless you are living off your investments. You better switch to 65-35, as it is a tested combination over a longer period of time
(A test for a period of best / worst 35 years, withstanding a 4% withdrawal pa.. Much similar to how you want to live after retirement..)
Also, one startling revelation I found was that Real Estate is way too much better than Equities over really longer periods and they are ofcourse less liquid and have a bit of risk.
(compare Sensex figures in 90s and real estate figures of 90s to todays figure. You will know what I am talking about.)
Shares are never short in supply, but lands around a metro are. The key is to invest in small part of lands at low prices on a regular basis..). Just because your networth is 2 crores, don`t wait for buying real estate worth 40-80 lack. Keep buying them for 2-5 lack every now and then.
Its the best bet against inflation, (cost of food articles and value of Agri land are directly proportional. and when housing approaches such land, value increases many folds.)
Search for news based buys. Say, Buy a small plot 6Km from proposed new airport and cash in after 2-3 years since the new airport becomes operational.
Make sure at least 30% of your investments are in real estate.
Regualr re-allocation is the key. Dont over do re-allocations.
Best of luck....
I had switched over from ICICI Pru Dynamic to Pru Infra thinking it to be more versatile. There is hardly any rally in it. It has proved to be a dud since last six months. Any othe plan of ICICI which csn give me better returns....
Dear MILAN,
You may change Asset Allocation to 50-50
& review it from Time to Time.
DONT Invest in KVP. Invest in some Better Managed DEBT Fund like
- Birla Dynamic Bond Fund
- HDFC Short Term Fund
- Reliance Short Term Fund
Switch from UTI Mastershare Fund to UTI Opportunity Fund.
Ther is no need for Index Fund if you are an INFORMED Investor & willing to actively Monitor your Investments & take Appropriate
Actions / Rebalancing from Time to Time.
Sundaram Select Focus Fund to Birla Frontline Equity
Best Wishes,
P.C.Sharma...
Dear milan, In ur planning, here i assume that u r investing regularly & thru SIPs in ur MFs & also u had already factored in that after 10 years how much money u `ll get from ur MFs @ a conservative growth rate of 12%. Anything above this rate is a bonus.
Regarding ur allocation in 30-70 ratio, it depends on ur own risk appetite as well as other factors like ur age, ur liabilities, family size, current portfolio in debt & Eq. etc.
From ur List of funds - I `ll ask a corrective action as below.
Switch from HDFC Eq. to HDFC Top 200 & invest more.
Switch from UTI Master share to UTI Div. Yield.
Thanks
Ashal ...
Dear Shakti, To get free insurance on ur SIPs In Rel. or Kotak or Birla SIPs, u w`d have to notify for the same at the time of enrollment of ur SIP.
From ur query, i assume u r doing ur SIPs thru online broking acct. of Kotak securities. Unfortunately but as on date no online broker is offering SIP+ insurance product. Only normal SIPs r available thru these brokers, be it Kotak Securities or Icici-Direct or Indiabulls or Sharekhan.....
If u want to avail this free insurance on ur SIPs, plz. contact Rel. AMC & they `ll guide u alternatively u may contact karvy (registrar for Rel. AMC) local office in Bhubaneshwar.
Thanks
Ashal ...
