In which SIP should I invest? What are some good mutual funds?

-

First you have to know the some basic terms:-

EQUITY MUTUAL FUNDS:- means basket of stocks, which is managed by well qualified funds manager for their management you have to pay some fees, which are called as expense ratio..

you can invest into mutual funds via two mode which are as:-
A. SIP
B. LUMSUM

in sip, you. can invest your money on regularly, fortnightly and monthly basis
in lumpsum, you can invest your money in one time..

i recommend you, before doing investment, below mentioned points you have to clear:-
A. know your risk apatite
B. decide your investment as per your risk profile
C. clear your goals, as per your investment
D. are you willing to take risk for more return

historically seen that if you stay more than 7yrs, there are 99% chance that you will get positive return over a period of time…
but seen that more than 50% people take out his money form mutual funds, before one year, reason is that he come to get quick return,… but he forget that investment into mutual funds, is like a bamboo trees…

if your investment tenure is 20yrs, which are considered as long term investing…
go for mid cap, flexi cap and small cap.. keep your portfolio as simple as…don't go for multiple funds, through this there are high chance of overlapping and expense ratio( high paid)…

this is not a recommendation,, below mentioned funds are, I feel that this is good for us, I also heavily invested into this…
A. nippon india small cap funds
B. pgim india mid cap funds
C. paragh parikh flexi cap funds

by investment into above mutual funds, you will get 15–18% per annum return over a 20yrs of investment…

  • if you make a sip of Rs 15k per annum over a period of 20yrs and get 18% return.. lets see the results
    invested amount:- Rs 36 lakh
    tenure:- 20yrs
    return:- 18%
  • final corpus:- Rs 3.51 Cr
    this final corpus is not inflation adjusted

you can see that by investment of 15k per month for 20yrs, you get Rs 3.51Cr…

the mutual funds displayed into this blog is not  any type of recommendation… before doing any investment do your own research… or consult to your financial advisor..

if you love this content, please follow, share to your friends and family member and leave your valuable comments…

you can reach out to me for any type of financial assistance…via email..

Comments

Post a Comment

Popular posts from this blog

When did you realize small things matter?

-
Image
 I was born in a middle class family & below poverty line I've been through the phase where 1. We don't have gas stove to cook food my mom used to cook food on oven. 2. We borrowed rice from neighbors sometimes. My Parents don't even ate sometimes.  3. My father took several thousands of rupees  for the education from money lenders and my mother pawn her jewelry's. We fear of rainy season because my house is full with rain water we used to keep utensils to catch rain water. 4. Me & my brother's never purchased clothes of more than ₹2000 5. We never brought shoes more than ₹1000 6. We had brought our first refrigerator in 2021 & Washing Machine in 2024. 7. I got my first smartphone in 2020, after becoming FTE 8. We couldn't afford a Bike, not even a second hand as my father was a small farmer/auto driver. 9. We brought our first bike in 2024 10. I never celebrated my b'day with my friends in college as I don't wanted to waste my father's m
Read more

How to Become the Best Version of Yourself:

-
Image
 1. Workout: You can automatically look better than 80% of the population by hitting the gym and cutting out junk food. 2. Always keep your word: Do what you say you're going to do! Accomplish your goals, people will pay attention. 3. Control your emotions: Stop reacting to everyone and everything. People who can trigger your emotions have power over you. Choose wisely who you give this power to. 4. Start building your future: Do it alone, do it broke, do it scared, just do it. Learn to sell, learn to invest & chase that money. 5. Don't react: When you don't care or react to the BS, people get scared. They realize they have no control over your emotions. 6. Create solutions: Too many people complain. Create a monetizable solution. Sell it, and make money. 7. Control what you can control: Some shit you can't control, but you can always control how you react to it. Staying calm is a superpower of the strong. 8. Don't give fuck: When you don't care or react to
Read more

What are the best investment options for a salaried person?

-
Image
  I am a salaried employee and here are where I invest my money health insurance -  hospitals are costly . They drill a hole in your pocket . Buy health insurance right away for everyone in your family . life insurance-  another important investment . My life insurance is done by my company , I took another insurance from TATA AIA Both these insurance can be claimed while filing an ITR . FD -  I have this simple rule . I save some amount every month in an account I do not have a debit card for . As soon as my savings hit 50k , I make a recurring FD of that money . I haven’t decided how or when I will use it , but I’m just doing it RD- start  an RD of as much money you can easily shell out of your pocket every month . Since I have no specific goal, I just chose an RD which gives me the best interest rate , without having a time frame in mind Emergency fund  :  The goal is to have an amount that will take care of your monthly needs for a period of 3–6 months in case of sudden layoff . mu
Read more