Presenting Partner

Life Insurance Corporation of India

Moneycontrol

Budget 2022

Associate Partners:

  • Kotak Mutual Fund
  • Pharmeasy
  • Indiabulls
  • SBI

Presenting Partner

Life Insurance Corporation of India

Moneycontrol

Budget 2022

Technology Partner

Dell Technologies

Associate Partners

Kotak Mutual Fund
Pharmeasy
Indiabulls
SBI

Chat Transcript

  • Amit Trivedi

    Dec,12,2016, 16:00 hrs

    Equity investments simplified

    Amit Trivedi , Author & Founder, Karmayog Knowledge

  • guest: Best sip mutual fund ...long time

  • Amit Trivedi:

    The one you start as soon as possible and continue for long

  • guest: Hi, I am 40 years old & new in the MF and have started investing for four months now. I have two plans- SBI Blue chip - D(G) and Franklin India Smaller Co. Fnd - D(G) with 1000 SIP each. My time horizon is around 10-15 years and my aim is to create wealth for my daughter\`s Education/marriage who is now 10 years. old. Now , my question is that I have around Rs 25000 in hand which I need to invest for next 8-10 years. Could you please suggest some good fund to invest and how do I invest this corpus. Should I go with Lump sum or do SIP???

  • Amit Trivedi:

    Whereas I would not talk about any specific scheme, it is impossible to know which one would deliver better returns - SIP or lump sum. Having said that, considering that you have only small amounts invested through SIP compared to this lump sum, please be ready to face large fluctuations in the value of your investments, in case you opt for lump sum investing.

  • guest: Dear Sir, I am presently 24 years old and I have started investing in SIPs of Rs.5000 per month from last 3 months.My portfolio includes Birla Sun Life Frontline Equity (G) , Hdfc balaned fund (G) , Hdfc mid cap opportunities fund(G) and ICICI Pru value discovery fund (G) in which I am investing Rs 2000 , Rs.1000 ,Rs.1000 , Rs.1000 respectively. I would like to know whether this combination of funds are good as I plan to invest for long term ? Thanking you Samujjal Deb Roy

  • Amit Trivedi:

    I am sorry, I cannot comment on individual schemes

  • guest: Hi, I intend to invest Rs 3000/- per month for a period of 12-15 months. Which Debt funds should I consider or should I consider an RD even after falling interest rates?

  • Amit Trivedi:

    RD is a good idea since ther returns are known in spite of falling interest rates. However, RDs have a limitation - the time period is decided right in the beginning, at the time of starting the RD. In case your time horizon may not be certain (it could 12 months or 15 months or some other period), you may consider mutual funds. I would suggest you consider schemes from the ultra-short-term bond fund category.

  • guest: Dear Sir, I am presently 24 years old and I have started investing in SIPs of Rs.5000 per month from last 3 months.My portfolio includes Birla Sun Life Frontline Equity (G) , Hdfc balaned fund (G) , Hdfc mid cap opportunities fund(G) and ICICI Pru value discovery fund (G) in which I am investing Rs 2000 , Rs.1000 ,Rs.1000 , Rs.1000 respectively. I would like to know whether this combination of funds are good as I plan to invest for long term ? Thanking you Samujjal Deb Roy

  • Amit Trivedi:

    I am sorry, I cannot comment on individual schemes

  • guest: I am investing monthly Rs 40k in total in various SIPs namely : 1) DSP Blackrock Small and Mid Cap Funds - Regular Plan - Growth 2) ICICI Prudential Dynamic Plan - Growth 3) ICICI Prudential Long Term Equity Fund (Tax Saving) - Growth 4) IDFC Premier Equity Fund Growth - (Regular Plan) 5) UTI Opportunities Fund - Growth Please advise about the plan chosen and returns. Thanks

  • Amit Trivedi:

    I am sorry, I cannot comment on individual schemes

  • outvester1: Hi, is the amount invested in mutual funds protected from a bank failure ? In case of financial melt down if banks are forced to shutdown, will the investment in debt based mf be safe and redeemable ? thanks.

  • Amit Trivedi:

    Thanks for a great question. Debt funds invest in debt securities and the risk of default or delay in payments is entirely on the investor in the mutual fund scheme. If a bank fails, the schemes that have invested in the debt securities of the concerned bank would suffer. To that extent there is no protection to a debt fund investor. However, given the fact that a debt fund`s portfolio is normally diversified, the risk of such an event is restricted to the extent of how much individual company`s debt security a scheme holds. SEBI regulations do not allow a scheme to invest more than 10% of the corpus in a single company (or bank).

  • guest: From last 2 years I am investing 2k through SIP in icici focused bluechip fund fund . But I don\`t see any good returns in it. Should I continue with this fund?

  • Amit Trivedi:

    Whereas I won`t comment on a specific scheme, I would request you to consider the reasons why you chose that particular scheme. If those reasons have not changed, you need to continue with the scheme.

  • guest: Hello, Can you pls suggest for the best Equity based MF in the market ? ICICI Prudential Banking and Financial Services Fund - Direct Plan SBI Banking & Financial Services Fund ? Direct Plan - Growth or anyone else ? & if MF-Equity is good for Long-Term (2K/month) for 3\\5 yrs ? or you suggest anything else ? Thanks in advance ! Thanks & Regards, Rajesh Dua

  • Amit Trivedi:

    First of all, there is no such thing as the best mutual fund scheme. You must look for schemes which are appropriate for your unique situation. Second, 3/5 years is not long term if you are considering investment in equity mutual funds. You must consider much longer periods.

  • magicjohnson79: What are 10-20 good equity stocks specifically that you recommend with a 5 yr-10 yr perspective

  • Amit Trivedi:

    I do not recommend stocks. My request would be to take professional help and invest through mutual fund schemes

  • n_jaya: what is the growth prospect of Pharma funds?

  • Amit Trivedi:

    No idea

  • n_jaya: Historically banking sector has grown 3 times the GDP growth. So I think banking funds will benefit more than diversified equity funds in the next 5 years. what is your opinion?

  • Amit Trivedi:

    I do not have an opinion

  • vinitkarad: I m 58 yrs retired. Want to invest Rs.5 Lakh lump sum in mutual funds. Kindly suggest specific funds with long term view. I can take moderate risk as i have regular pension and not depend on earning from mutual fund. My intension is to earn extra income in the form of dividends.

  • Amit Trivedi:

    What do you propose to do with the extra income? Are you going to spend it? Or will you reinvest it in some avenue? Please do not look for extra income just for the sake of it. That would unnecessarily put pressure on your investment plan. I suggest you consider this question carefully and then only look for answers. In case of your requirement is to earn higher than debt instruments and if you are willing to take risks and wait for long term, you may consider investing in a balanced or a diversified equity fund. However, it would be better to opt for growth option.

  • guest: I want know that which is better to invest in SIP or unit linked insurance policy for 5 to 10 years tenuer

  • Amit Trivedi:

    I guess you meant SIP in a mutual fund or Unit linked insurance policy. I (or for that matter, nobody) can comment on the future returns generated by both these, there are a few things that you may want to consider. (1) ULIP would have insurance built in, whereas mutual fund SIP would be without it, (2) the insurance component also means that your money would be locked-in a ULIP, whereas mutual fund would offer you liquidity, (3) the expenses in a mutual fund scheme are cherged to the scheme and these expenses are deducted at the time of calculating NAV, whereas in case of ULIP certain expenses are charged by cancelling some units. This means your unit balance also reduces apart from some expenses charged to the scheme.

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