[graaja]

Originally Posted by ramki067

Thank you graaja. ABSL Money Manager Fund - Direct(G) a good liquid fund(Got this MF from valueresearch)?
Also, if market crashes, how will the returns be from this MF?

This looks like a good liquid fund. Actually, when it comes to liquid fund, you could choose any fund from well established fund houses.

Liquid funds do not invest in the equity market. So, market crash will have absolutely no effect on these funds.

They invest in short term securities, Government bonds, fixed deposits etc. So, their returns and risks will be almost similar to a bank deposit.

[ramki067]

Originally Posted by graaja

This looks like a good liquid fund. Actually, when it comes to liquid fund, you could choose any fund from well established fund houses.

Liquid funds do not invest in the equity market. So, market crash will have absolutely no effect on these funds.

They invest in short term securities, Government bonds, fixed deposits etc. So, their returns and risks will be almost similar to a bank deposit.

Thanks very much graaja. This increased my confidence. Will most probably invest into this MF.

Thanks,
Ramki

[Latheesh]

Originally Posted by saket77

There is never a bad time to start an SIP. The cost averaging concept of SIPs take care of any price fluctuations over time. Just give it time to grow and you shall be happy when you compare the returns after say, 7 years or so.

Don't worry, just select good funds and start investing.

Regards,
Saket

Originally Posted by graaja

+1 to Saket77. The idea of SIP is to average the cost of as investment through ups and downs of the market. So, anytime is a right time to start an SIP. Just keep the investment for a long time horizon of 5 years or more.

Thanks a lot!

Are these funds closed for fresh investment now? tried Reliance small cap and it is not allowing for SIP.

[graaja]

Originally Posted by Latheesh

Thanks a lot!

Are these funds closed for fresh investment now? tried Reliance small cap and it is not allowing for SIP.

Last time I heard a couple of months back, Reliance smallcap fund was closed to bulk one time investment and only open to SIP. Not sure if they closed that as well due to over subscribing. One other fund you can try is the SBI small cap fund. That fund was closed to subscriptions and opened up recently.

[Kulin_Shah]

Originally Posted by ramki067

Hey guys,
Want to invest around 75k monthly for about 2 to 2.5 years for construction of home. I'm not in a position to take risk of loosing money on this amount.
Taking this into consideration, can you suggest me on where to invest this monthly amount.

Thanks very much.

Ramki

If you bank with HDFC then they have an instrument called dream deposit, wherein you can set the amount per month and the period, and money just keeps added to a fixed deposit which gives cumulative interest.

[rageshgr]

Originally Posted by ramki067

Hey guys,
Want to invest around 75k monthly for about 2 to 2.5 years for construction of home. I'm not in a position to take risk of loosing money on this amount.
Taking this into consideration, can you suggest me on where to invest this monthly amount.

Thanks very much.

Ramki

Technically for a 3 year Horizon, one might even consider Conservative MIPs with 5-10% Equity Allocation. But let's take the simple route of Short Term Bond funds and you are good to go. Please note that the returns are in the range of 7-8% and the returns are taxable

[ramki067]

Originally Posted by rageshgr

Technically for a 3 year Horizon, one might even consider Conservative MIPs with 5-10% Equity Allocation. But let's take the simple route of Short Term Bond funds and you are good to go. Please note that the returns are in the range of 7-8% and the returns are taxable

Thanks rageshgr. Can you suggest me a few good Short Term Bond funds? Also if returns are taxable, will the net returns be same as savings account interest?
Regards

[Thebat]

Originally Posted by ramki067

Can you suggest me a few good Short Term Bond funds? Also if returns are taxable, will the net returns be same as savings account interest?
Regards

Would be advisable to steer clear of any kind of bonds funds to the present volatility in the bond market, and the average returns of bond funds stands at 5.2% for the last year.

Would rather suggest that you consider liquid funds as their yeild is currently hovering around 7.2% or if your willing to take a bit more risk would suggest you ultra short term and low duration funds. All the above funds have no exit load also.

[JMaruru]

I went ahead and added a SIP for MOS Focused 35 Multicap Direct Growth in MFUOnline. I feel a MultiCap will do well in the current scenario by giving FM the freedom to invest in multitudes of sectors!

Anyone here on this particular MF SIP?

[ramki067]

Originally Posted by Thebat

Would be advisable to steer clear of any kind of bonds funds to the present volatility in the bond market, and the average returns of bond funds stands at 5.2% for the last year.

Would rather suggest that you consider liquid funds as their yeild is currently hovering around 7.2% or if your willing to take a bit more risk would suggest you ultra short term and low duration funds. All the above funds have no exit load also.

Thank you Thebat for the suggestion. Could you help list out some good liquid funds for 2 to 2.5 years duration.
Thanks very much,
Ramki.

[rageshgr]

Originally Posted by JMaruru

I went ahead and added a SIP for MOS Focused 35 Multicap Direct Growth in MFUOnline. I feel a MultiCap will do well in the current scenario by giving FM the freedom to invest in multitudes of sectors!

Anyone here on this particular MF SIP?

Multicap is always a good versatile option in your portfolio. This fund is very good and Gowtham Sinha Roy is a very capable fund manager. Of course please note that your horizon should be atleast 5 years and every fund is succeptible to the ups and downs of the market.

Originally Posted by ramki067

Thanks rageshgr. Can you suggest me a few good Short Term Bond funds? Also if returns are taxable, will the net returns be same as savings account interest?
Regards

The returns will be taxed as per your income slab if the horizon less than 3 years as it will be treated as Short Term Capital gains. But the returns will still be higher because most bank accounts give only 4% . But there are a few banks these days that give 6-7% returns such as Kotak Bank and DBS DigiBank you can check out those too. Regarding which are the best, should not matter much but check out this link. https://www.basunivesh.com/2017/12/2...nvest-in-2018/

[sgiitk]

One issue with Franklin Templeton - the statements remove all the funds you are no longer in. Also, getting the statements is a pain - your wealth manager has to get them. They are an excellent house - but ....

[Thilak29]

Any expert advise on Bharat 22 ETF ?
Here is the scheme info doc for those unaware.

[freedom]

Originally Posted by Thilak29

Any expert advise on Bharat 22 ETF ?
Here is the scheme info doc for those unaware.

Consider investing in Bharat ETF only if you have already made investments in other MFs/stocks over the years and want to diversify into something different. Then too I wouldn't put a lot of money into this
It can be a good passive investment. Don't expect huge returns.

[murugaveln]

I am looking for the rolling returns of mutual funds. VRO, Morningstar etc. display only trailing returns. I found rupeevest.com showing rolling returns but only for regular plans. Is there any other website which shows the rolling returns for direct plans also?