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Jiju Vidyadharan

Head Funds & Fixed Income Research , CRISIL

Investments in Fixed Income

 

Questions Answered

Q

guest: Which is the good fund for investing one month.?

Jiju Vidyadharan: For such short investment horizon, investors can look at liquid funds. You can refer to the quarterly released CRISIL Mutual Fund Ranking (CMFR) available on www.crisil.com and www.moneycontrol.com for identifying top performer among the liquid fund category for investment.
Q

guest: Which funds are best for fixed income

Jiju Vidyadharan: Mutual funds provide a wide category of funds across the debt spectrum to invest, which vary in their risk return profile. Investors should choose their category to invest based on their risk return profile. For instance, conservative investors with a short investment horizon would be better off investing short maturity debt funds such as liquid funds, ultra short term debt funds and short term debt fund in the increasing order of investment horizon. Similarly long maturity debt funds can be a good option for investors with a higher risk appetite and investment horizon. You can refer to the quarterly released CRISIL Mutual Fund Ranking (CMFR) available on www.crisil.com and www.moneycontrol.com for identifying top performer among the various debt mutual fund categories for investment.
Q

vili: Which funds are best for fixed income

Jiju Vidyadharan: Mutual funds provide a wide category of funds across the debt spectrum to invest, which vary in their risk return profile. Investors should choose their category to invest based on their risk return profile. For instance, conservative investors with a short investment horizon would be better off investing short maturity debt funds such as liquid funds, ultra short term debt funds and short term debt fund in the increasing order of investment horizon. Similarly long maturity debt funds can be a good option for investors with a higher risk appetite and investment horizon. You can refer to the quarterly released CRISIL Mutual Fund Ranking (CMFR) available on www.crisil.com and www.moneycontrol.com for identifying top performer among the various debt mutual fund categories for investment.
Q

guest: Which is the good fund for investing one year

Jiju Vidyadharan: For short investment horizon like one year, liquid and ultra short term funds can be considered for investment. You can refer to the quarterly released CRISIL Mutual Fund Ranking (CMFR) available on www.crisil.com and www.moneycontrol.com for identifying top performer among the categories for investment.
Q

guest: Hello,everyone.my name is prakash .i am 24 years old. i want to plan for retirement .and very interested and keen learner of investment startegy. my question is that how can i grow my wealth steadily and what are the plans you can suggest me .and i know i have a time.but somehow i feel stuck.so ,pls help me with some brilliant ideas.

Jiju Vidyadharan: The National Pension System (NPS) under the aegis of PFRDA can be considered for retirement planning. It allows you to plan for your retirement via various asset allocation / life cycle fund option. Further, annual contribution up to Rs 2 lakhs to the plan also helps the investor save tax under section 80 C and 80CCD.
Q

guest: I am 36 years old service employee, my query is that for retirement planning 1 time lump sump investmetn is better or SIP is better. and which scheme is giving more return.

Jiju Vidyadharan: Between the two options, SIP is better over the long term as it disciplines the investor while also providing benefit of rupee cost averaging. For long term investment horizon, you can choose schemes among the equity mutual fund categories (large cap, small & mid cap, diversified) for investment based on your risk appetite. You can refer to the quarterly released CRISIL Mutual Fund Ranking (CMFR) available on www.crisil.com and www.moneycontrol.com for identifying top performer among the various equity mutual fund categories for investment.
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