Lump Sum Investment- 2 Lakhs

#1
Hi everyone

I am new to this very useful forum, and would like valuable advice.

I have a sum of Rs 2 lakh which I would like to invest in some mutual funds, but all the research I do, shows that putting in a lump sum in good performing funds, earns lesser interest than a SIP.

I have my mind set on the following funds:

1. HDFC Top 200
2. DSP Blackrock Small and Midcap Funds
3. Birla Sun Life Dividend Yield Plus
4. Reliance Regular Savings Equity
5. Morgan Stanley A.C.E Growth Fund

Can anyone suggest anything about my choice of funds, and if better options are there for investment?

Are there any other venues which would take a lump sum investment, for a period of say 3-5 yrs?

Thanks a lot in advance for all your help and advice.
 
#2
You need to provide some more information before some one can give you a proper advice.
What is you expectation from that investment. Do you want want capital protection or you can take some loss even if you hold your investment for 3-4 years.

What other investments do you have.

These information is necessary to judge suitability of fund for you.
 
#3
You need to provide some more information before some one can give you a proper advice.
What is you expectation from that investment. Do you want want capital protection or you can take some loss even if you hold your investment for 3-4 years.

What other investments do you have.

These information is necessary to judge suitability of fund for you.
Hi, like any other investor, I think returns is what I look for too. I can handle losses, as I understand markets are volatile, but look to get good returns per year.
 

Vector

Active Member
#5
This is what the MFI site threw up..

Top 5 Open Ended -Diversified Funds - Period (Last&nbsp5 Years)

Rank Scheme Name Date NAV (Rs.) Last 5 Years %
1 HDFC Top 200 - Growth Aug 31 , 2010 205.029 26.3889
2 HDFC Equity Fund - Growth Aug 31 , 2010 273.23 26.31
3 Reliance Regular Savings Fund - Equity - Growth Aug 31 , 2010 31.2115 25.4518
4 Sundaram BNP Paribas Select Midcap - Growth Aug 31 , 2010 153.5289 25.0243
5 DSP BlackRock Top 100 Equity Fund - Growth Aug 31 , 2010 96.647 24.7879

Go here for further research..

http://www.mutualfundsindia.com/
 
#6
AS per my own strategy and advice i will do following

1. Chose best Fund house : I like Reliance & HDFC

2. Put 1 Lakh in HDFC Liquid fund (2-3 are their) STP to HDFC Top 200, HDFC Prudence (I don't find a balance fund u should include one to have stability)

3. Put 1 lakh in Reliance Liquidity STP to Reliance Regular Savings Equity , Reliance Growth

4. 4 funds gives good diversity mid cap, large cap , debt portion etc.

5. STP can be timed or transferred online by getting the online pin whenever markets correct I expect u can deploy all money from liquid funds to the equity diversified funds in 6 months - 12 months time depends if market corrects early.

6. even after all money is deployed you can do SIP into this funds even if your monthly savings small but u can continue u be happy with your decision after 10-20 years think long term

regards
 
#7
Hi everyone

I am new to this very useful forum, and would like valuable advice.

I have a sum of Rs 2 lakh which I would like to invest in some mutual funds, but all the research I do, shows that putting in a lump sum in good performing funds, earns lesser interest than a SIP.

I have my mind set on the following funds:

1. HDFC Top 200
2. DSP Blackrock Small and Midcap Funds
3. Birla Sun Life Dividend Yield Plus
4. Reliance Regular Savings Equity
5. Morgan Stanley A.C.E Growth Fund

Can anyone suggest anything about my choice of funds, and if better options are there for investment?

Are there any other venues which would take a lump sum investment, for a period of say 3-5 yrs?

Thanks a lot in advance for all your help and advice.
Is your period of investment is just for 3 years ?

If yes, Equities may not be the best method of investment.
If its > 5 years you can go ahead with equities without much risk.

If its between 3-5 years and if you have sufficient emergency fund you can go with equities otherwise try with RDs, FDs, Debt funds or Gold ETFs.
Source: http://mytipstowardswealthy.blogspot.com/2010/09/fixed-deposit-to-double-our-money.html
 

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