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guest: Sir Good afternoon, I have completed my Gradution this year & started working as accounts executive in one of well known firm, there i draw monthly salary of Rs.30k, i want to invest around 12k from my salary in mutual fund.Please suggest good mutual fund.Thanks in advance.
:
Congratulation and best wishes for a very successful career. Its very nice that you wish to start investing from your first salary, as this will help you accumulate wealth over long term. Further, when you invest you need to chalk out a clear path as to what is your time horizon, goals and risk taking capacity. Based on these inputs a portfolio can be created. While you have mentioned that you wish to invest Rs. 12K p.m, i request you to kindly inform of the other factors as stated above which will help me suggest schemes to you. Alternatively, do consider seeking personalized consultation from a professional so that you can maximize the output in terms of guidance in the entire investment journey.
guest: Hello Harsh Sir, I have SIP in HDFC Focused Fund, ICICI Prudential Large Cap Fund & WhiteOak Capital Mid Cap Fund in each 5k monthly i invest, would like to invest more 5k in mutual fund, so please suggest other scheme, also let me know i should keep investing in the mentioned funds or go for other funds.
:
Continue with ICICI Pru Large Cap and Whiteoak Mid Cap Fund. Stop HDFC Focused Fund. The Rs. 5K of HDFC Focused Fund and additional Rs. 5K (total Rs. 10k) can be invested in Nippon India MultiCap Fund.
guest: Hello Sir, I am senior citizen who want to invest around 5 lakhs in my grandson name who is 5 years old now can this amount will be kept invested for next 15 years for his future studies, as that please suggest good schemes.
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You may invest in Nippon India Multicap Fund (Rs. 2.5 Lakhs) and Parag Parikh FlexiCap fund (Rs. 2.5 Lakhs)
guest: Hello Sir, Is this good time to buy physical gold or one should invest in EFT funds which is good option for longterm investment.
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From an investment perspective, it would be suggested to invest in ETF / Gold Funds as there would not be any hassles of safe keeping, purity etc.
guest: Hello Sir, Please suggest one shoudl invest in FD,Postoffice scheme or mutual fund for good returns & secure returns for longterm.
:
You cannot compare FD, Post office deposits with Mutual Funds. In FD / PO, you get assured returns and the Rate of Interest is also known to you before you make the investment, whereas in Mutual Funds, the returns are not guaranteed and are market linked. In Debt funds as well, the returns that an investor generates is linked to interest rate movements etc. Therefore, consider what type of investment suits you and then invest.
