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Jiju Vidyadharan

Head Funds & Fixed Income Research , CRISIL

Investments in Fixed Income

 

Questions Answered

Q

beaminamt: Dear Sir, Which funds are best for fixed income for 1 -3 years time (1) BIRLA SUN LIFE MIP II - WEALTH 25 PLAN - GROWTH-DIRECT PLAN (2) Franklin India Ultra Short Bond Fund Super Institutional Plan - Direct-GROWTH (3) UTI Gilt Advange Fund - Long Term Plan - Direct Plan - Growth

Jiju Vidyadharan: BIRLA SUN LIFE MIP II - WEALTH 25 PLAN - regular was ranked 1 under MIP aggressive category, Franklin India Ultra Short Bond Fund - Regular Plan was ranked 4 under ultra short term debt category while UTI Gilt Advantage Fund - Long Term Plan - Regular plan was ranked 2 under the gilt funds category as of December 2016 CRISIL Mutual Fund Ranking. Rank 1 denotes very good performance, Rank 2 denotes good performance while rank 4 denotes below average performance of the funds withing the respective fund category. Please note that the rankings are not for direct plans.
Q

guest: Hdfc top 200 fund good fund?

Jiju Vidyadharan: HDFC Top 200 fund is ranked 3 under large cap equity mutual fund category as per December 2016 CRISIL Mutual Fund Ranking. Rank 3 denotes average performance of the fund within the category.
Q

guest: I want to invest 5000 per month over a period of 20 years to get the maximum return. Please suggest the best mutual funds to get best return. Also let me know about the MIS in mutual fund from which I can pay my SIP.

Jiju Vidyadharan: Systematic transfer plans (STP) can be used by investors to transfer the requisite monthly instalment from liquid fund into equity mutual funds. You can choose among large cap, small & mid cap and diversified equity fund categories based on your risk return profile for investment over the long term. You can refer the quarterly CRISIL Mutual Fund Ranking available on www.crisil.com and www.moneycontrol.com to identify top ranked funds among the various mutual fund categories.
Q

guest: Which is best fund for lumpsum investment for one year period for best return ?

Jiju Vidyadharan: For one year period, investors can look at money market funds (liquid and ultra short term funds) for investment. You can refer the quarterly CRISIL Mutual Fund Ranking available on www.crisil.com and www.moneycontrol.com to identify top ranked funds among these mutual fund categories.
Q

guest: I have three SIP 8K each in Icici discovery fund, HDFC balanced fund and Birla sunlife front line equity fund. I want to start another investment of 15 k per month. For long term investment please suggest should I invest in Midcap or large cap or any other fund with fund name. Thanks.

Jiju Vidyadharan: ICICI value discovery fund was ranked 2 within the diversified mutual fund category, HDFC Balanced Fund was ranked 2 within the balanced fund category and Birla Sunlife Frontline was ranked 2 in large cap mutual fund category as per December 2016 CRISIL Mutual Fund Ranking. Rank 2 denotes good performance of the fund within the respective fund category. You can choose between midcap and large cap funds based on your risk return profile and investment horizon. You can refer the quarterly CRISIL Mutual Fund Ranking available on www.crisil.com and www.moneycontrol.com to identify top ranked funds among these mutual fund categories.
Q

guest: Hello Sir/Mamm I am 26 years old workimg in pvt job. Want to invest open ended fund likely Rs.2000/Month. Kindly Suggest.. (pkb.realtyodisha@outlook.in)

Jiju Vidyadharan: Investments should be based on your risk return profile and investment horizon. Typically for equity mutual fund investment, investors should have a higher risk appetite and longer investment horizon (7-10 years). You can refer the quarterly CRISIL Mutual Fund Ranking available on www.crisil.com and www.moneycontrol.com to identify top ranked funds among the various mutual fund categories.
Q

guest: am 21 yr old and have a small source income of Rs10000-15000/- per month from giving tuitions to students and want to invest in MF .Kindly suggest me the best option considering me a complete beginner.

Jiju Vidyadharan: Investments should be based on your risk return profile and investment horizon. For long term investments, equity mutual fund categories can be looked at. You can refer the quarterly CRISIL Mutual Fund Ranking available on www.crisil.com and www.moneycontrol.com to identify top ranked funds among the various mutual fund categories.
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