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Jiju Vidyadharan

Head Funds & Fixed Income Research , CRISIL

Investments in Fixed Income

 

Questions Answered

Q

dTCkPELeW7: kindly suggest good fixed income schemes only category if not specific names of mutual fund for 3 years time horizon?

Jiju Vidyadharan: Investments should be based on the investor`s risk return profile and investment horizon. For investments horizon of three years, investors can look at short term debt funds. Please note that investment in debt mutual funds for horizon of more than 3 years is subject to indexation benefits that reduces tax liability for the investor. You can refer to the quarterly released CRISIL Mutual Fund Ranking (CMFR) available on www.crisil.com and www.moneycontrol.com to identify the top performers within the category.
Q

guest: I am 33 years my son\`s education after 15 years require 1.5 crore and my retirement after 25 requires 3 crore, I do not require money in the meantime I can invest 25000/ PM and increase in due course , I am ready to take risk Pl. suggest good areas for long term investment with good appreation

Jiju Vidyadharan: Equity mutual funds are a good option to invest for investors with high risk appetite and long term investment horizon. Investors can choose within the various categories available such as large cap, diversified and small & mid cap funds within equity mutual funds based on their risk return profile. You can refer to the quarterly released CRISIL Mutual Fund Ranking (CMFR) available on www.crisil.com and www.moneycontrol.com to identify the top performers within the various equity categories for investment.
Q

guest: Can you pls. let me know what type of investment is required for children\`s education currently our kids age is 01 and 03 yrs..

Jiju Vidyadharan: Investments should be based on the investor`s risk return profile and investment horizon. In case you are looking at investing for their higher studies, equity oriented mutual fund categories can be looked at the investment horizon is long. Investors can choose within the various categories available such as large cap, diversified and small & mid cap funds within equity mutual funds based on their risk return profile. You can refer to the quarterly released CRISIL Mutual Fund Ranking (CMFR) available on www.crisil.com and www.moneycontrol.com to identify the top performers within the various equity categories for investment.
Q

guest: Hello good evening, Can you suggest me what kind of mutual fund portfolio i should have my age is 36 and planning for SIP of 15 K

Jiju Vidyadharan: Investments should be based on the investor`s risk return profile and investment horizon. SIPs are a good medium to invest in equity mutual funds, but care should be taken to invest for the long term (10 years and more) to generate optimum returns from equity as an asset class. Investors can choose within the various categories available such as large cap, diversified and small & mid cap funds within equity mutual funds for SIP investments based on their risk return profile. You can refer to the quarterly released CRISIL Mutual Fund Ranking (CMFR) available on www.crisil.com and www.moneycontrol.com to identify the top performers within the various equity categories for investment.
Q

guest: I am 27 years old, unmarried. I am currently earning 7.6 LPA from the permanent job. I am looking for investment options which could help me maximise the return with moderate risk along with the tax saving. Please suggest what investment options are good for me. Currently, I have invested in following funds: DSP Blackrock Tax saver 2000 Kotak Select Focus growth 2000 L&T mid cap 2000 Birla Sl equity fund 2000 HDFC Balanced 2000 In addition to that, I have only PF as a saving which has around 76K.

Jiju Vidyadharan: DSP Blackrock tax saver was ranked 3 in the ELSS category, Kotak select focus was ranked 1 in large cap fund category, L&T mid cap was ranked 1 in the small & mid cap category and HDFC Balanced fund was ranked 2 in the balanced fund category as of September 2017 CRISIL Mutual Fund Ranking. Rank 1 denotes very good performance, Rank 2 - good performance and Rank 3 - average performance of the fund within the category. Investments should be based on the risk return profile and investment horizon. In case your horizon is long, equity oriented mutual funds continue to be a good option for investments. Investors can choose within the various categories available such as large cap, diversified and small & mid cap funds within equity mutual funds for SIP investments based on their risk return profile. You can refer to the quarterly released CRISIL Mutual Fund Ranking (CMFR) available on www.crisil.com and www.moneycontrol.com to identify the top performers within the various equity categories for investment.
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