top 10 best mutual funds to invest in india for 2015 – basunivesh.pdf
Post on 18-Jan-2016
114 Views
Preview:
TRANSCRIPT
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 1/86
You are here: Home / Investment Planning / Top 10 Best Mutual Funds to invest in India for 2015
Top 10 Best Mutual Funds to invest inIndia for 2015December 12, 2014 by Basavaraj Tonagatti — 233 Comments
The market looks very positive and all equity mutual funds showing huge returns. So which one to choose,
those who are consistent or those which given 60% to 70% return in this booming market? Let us shortlist
the funds for your investment in mutual funds for 2015.
Before proceeding, last year I wrote a post “Best 10 Mutual Funds to Invest in India for 2014“. So let us review
how those funds are performing. Then we proceed to this year’s choice.
Home About BasuNivesh OldArticles Services Contact us
Mutual Funds OnlineBuy Mutual Funds Online with Ease @ ICICIDirect.com. RegisterNow!
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 2/86
NoteAll values are taken from valueresearchonline and values are as of today.
How I am selecting funds?
I first short listed funds category wise, like large cap or large and mid cap like that.
Funds must be at least 5 years old.
AUM of the fund must be around Rs.1,000 Cr, as it creates faith among investors.
Some other technical terms like expense ratio, standard deviation, alpha, beta, Sharpe or Sortino.
Finally, my faith in mutual fund company and its business model.
I picked the funds based on 5 years as well as 10 year return.
I have not gone through any star ratings to choose these funds.
Why I have chosen 10 funds only?
I know lots of us have wrong belief that having so many funds across fund houses will actually diversify our
portfolio. It is totally a wrong concept. You forget to understand the underlying stocks each fund holding or
your overall portfolio holding. Therefore, it creates to such huge risk that our investment may be highly
exposed to specific sectors or stocks. In addition, it is one more misconception that few go on add funds for
each of their goals or fresh investments. This also not a better idea. Instead, stick 34 funds maximum and
invest in them. This keeps your head cool, simple, and easy to track.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 3/86
Best 2 Large Cap Funds to Invest in India for 2015
I short listed the funds and found that these two below funds are my best choice. Because of their expense
ratio, lower standard deviation to their peers, higher alpha, lower beta and high in Sharpe ratio and Sortino
ratio.
I stayed away from few Index funds, which have a less expense ratio, but AUM also not fits into my comfort.
However, if AUM does not matter to you then you consider some Index Funds too. I stayed away from HDFC
Top 200 Fund only because of higher standard deviation to above funds. Otherwise, I strongly advocate
towards that fund.
Best 2 Large and Mid Cap Funds to Invest in India for 2015
When you compare this year choices to previous year’s,you find that both of earlier funds missing. I removed
UTI Opp Fund, because it moved to large cap. I removed Quantum only because of ICICI’s superior
performance compared to Quantum (even though Quantum claims to be less expensive fund).
Best 2 Mid and Small Cap Funds to Invest in India for 2015
Here you notice that I retained Reliance Equity Opp Fund, but discarded the IDFC Premier Equity Fund. It
does not mean that IDFC Fund is bad. However, the results in my review were almost necktoneck between
HDFC, IDFC, and Reliance. I selected HDFC only because of its superiority in higher alpha and Sharpe ratio.
In addition, when you look at return wise, I found HDFC holds better than IDFC.
Best 2 Balanced Funds Equity Oriented to Invest in India for 2015
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 4/86
I retained the same old funds, which I recommended previous year. Therefore, no change in it.
Best 2 Tax Saving Mutual Funds (ELSS) to Invest in India for 2015
Here again, I deleted one fund and retained the previous year recommended fund. I deleted Canara Robeco
only because I felt low alpha and Sortino ratios. Also, compare to above two funds Canara Robeco seems to be
costly when we consider expense ratio.
Do remember that to construct a portfolio it does not require to have a fund from each category. Construction
of portfolio again depends on one’s requirement, risktaking ability, period of the goal and many more things.
Similar Stories...
Swing STP (Systematic Transfer Plan)New Facility by Mutual Funds
Mutual FundsUnderstanding the Tracking Error
InflationWhat it mean to our investments?
15 Simple New Year Personal Finance Resolutions
Gold JewelleryAre you getting the right value?
About Basavaraj TonagattiI am a Certified Financial Planner by qualification and currently living in Bangalore. I am
using this platform to spread knowledge about Personal Financial Planning. Hope you too
join me in spreading this awareness :)
Term Plan CalculatorCalculate 46 Insurer Premium Online Compare Save Money & Buy BestPlan
Share & Comment 27 1 6 2
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 5/86
Comments
Rohit Mishra says
January 12, 2015 at 7:27 PM
Hello Sir,
I wanted to invest 30000 rs per month in SIP. I am already investing 150000 in PPF ,50000 in
insurance and 100000 in Bank FD annually.
I have selected below fund.
SN Fund Amount/month
1 ICICI Prudential Focused Bluechip Equity Fund (G) 4000
2 UTI Equity Fund (G) 4000
3 Birla Sun Life Top 100 Fund (G) 4000
4 Franklin India Smaller Companies Fund (G) 2500
5 HDFC MidCap Opportunities Fund (G) 2500
6 Reliance Small Cap Fund (G) 2500
7 UTI Mid Cap Fund (G) 2500
8 Franklin India High Growth Companies Fund (G) 3000
9 Reliance Equity Opportunities Fund – Retail Plan (G) 3000
10 ICICI Balance Fund 2000
Please suggest if the above selecting is correct for 10 year.
Also I need one below suggestion
a. Which one is better Birla Sun Life Top 100 Fund or Birla Sun Life frontline equity. As when I
compared 1 ,3 and 5 year returns Birla Sun Life Top 100 Fund has always given little more than Birla
Sun Life frontline equity. Also is any other equity fund in large cap which is better than Birla fund
e.g. Axis equity or Mirae Asset India Opportunities Fund or HDFC top 200 or BNP Paribas or SBI
blue chip .I am little confused as money control as has given different rating for funds
b. Is it right decision to invest in 4 small & mid cap fund? or shall I distribute them amount(10000)
in 23 fund only.
c. Is my money distribution in different mentioned fund is right? Considering my other investment
of 3 lakhs per annum in PPF, Insurance and FD/debt fund.
Please advise.
Thanks & regards
Rohit
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 6/86
Reply
Basavaraj Tonagatti says
January 12, 2015 at 9:43 PM
RohitWhy so many funds? Please go through my earlier comments and above post. You will
find my answer.
Reply
JJ says
January 12, 2015 at 3:46 PM
Sir,
Thanks a lot for sharing the valuable information.
I wanted to know the best pension plan available in the market. I am working in IT sector.
I have taken LIC’s retire and enjoy. But seems like its not a good plan.
Please advice us any retirement plan for payment term 15 years .
JJ
Reply
Basavaraj Tonagatti says
January 12, 2015 at 9:47 PM
JJSadly as of now there is no such BEST retirement plan available in Inida. Retire and Enjoy is
the such another WORST plan to name.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 7/86
Rahul says
January 12, 2015 at 1:26 PM
Sir,
My current SIP split up of 4500/month is as follows:
HDFC Top 200 – 1000/month
HDFC Mid Cap – 1000/month
UTI Opportunities – 1500/month
UTI MNC – 1000/month
I would like to increase my SIP investment to 10000/month. Please suggest if I can continue in the
above funds.
If so what should be my SIP split up. Also, please suggest if I should exit from any of the above funds
and invest in another fund. I’m 30 years old and my investment period is for the next 20 years.
Reply
Basavaraj Tonagatti says
January 12, 2015 at 9:55 PM
RahulRetain HDFC Top 200 or UTI Opp and I am not big fan of sector funds. So I might have
avoided UTI MNC.
Reply
VIPIN says
January 12, 2015 at 10:12 AM
Hi Basavaraj,
Greetings for the day!
Appreciate your suggestions/advice.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 8/86
1. I have currently 6 lac Rs in hand and same i need it within time frame of 68 months. Can you
please suggest me better option to invest the same?
2. I am looking forward to invest Rs 10,00o per month in SIP. Ready to take higher risk. Kindly
suggest best one suited for me.
Age – 26 Years
Married – Yes
Income – 5 lac +
Regards,
Vipin
Reply
Basavaraj Tonagatti says
January 12, 2015 at 10:57 AM
VipinFor your first query, suggest you either use Bank FDs or short term debt funds. Regarding
second query, may I know you understanding of “ready to take higher risk”?
Reply
Dr. S. Raut says
January 12, 2015 at 12:19 PM
sir, i want to start SIP in Axis MidcapG , DSPBR Micro Cap RegG , HDFC EquityG ,
Sundaram Select Midcap RegG, what is your opinion ? I am planning to inest for minimum 10
years, sir what are your suggestions ?
Reply
Basavaraj Tonagatti says
January 12, 2015 at 12:28 PM
Dr.S.RautHow you selected these funds?
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 9/86
Reply
Dr.S.Raut says
January 12, 2015 at 1:57 PM
sir, these funds are suggested by agent , as i want to invest only in equity with risk .
Reply
Basavaraj Tonagatti says
January 12, 2015 at 9:53 PM
Dr.S.RautOne more question What do you mean by risk (I mean according to
you)?
Reply
Vishal Saxena says
January 11, 2015 at 11:09 PM
Hi Basu,
Gr8 Job by you..!!
Spreading Happiness & Making them Aware in a straight and fair way is one of your strongest
traits..!!
Your advise is desired for below.
A)
SIP : For both fund, Planned as 2K/Month , Horizon – 10 Years (Total Investment – 480,000,
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 10/86
Expected Return – 1520% in year 2026 an amount of principle + desired retrun)
1. ICICI Pru Value Discovery Fund Direct (Growth)
2. ICICI Pru Dynamic Fund Direct (Growth)
M i on a right track ?
B)
What is your advise on Fund Performance and Delivery of Returns with a rate of 1520%
1. BSL Focused Equity Fund – Series 4 (U/S 80CCG of IT ACT)DIVREGULAR.
2. SUNDARAM WORLD BRAND FUND SR 21800 DAYS REGULAR DIVIDEND.
3. ICICI Prudential Growth Fund Series 5 Direct Plan Dividend Payout
I have invested in above three NFOs with a vision of fulfilling the desired return %. What you would
advise on Fund (NFO) ?
Regards,
Vishal
Reply
Anand says
January 11, 2015 at 7:14 AM
Hi Basu,
I have been investing in following funds Rs.2,000 each since Feb2013 in SIP i.e. total investment of
Rs.10,000 per month.All the funds are in growth option.
HDFC Top 200
HDFC Mid cap Opportunities
IDFC Premier Equity
Reliance Equity Opportunities
SBI Emerging Business
Can I know your view whether to continue investing in above funds or any changes required.
Thank you.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 11/86
Reply
Basavaraj Tonagatti says
January 11, 2015 at 11:43 AM
AnandWhy so many small and mid cap funds?
Reply
Anand says
January 11, 2015 at 4:42 PM
Last one year I felt small and mid cap funds performed well compared to large cap funds.
Plz suggest me if any addition or deletion for a balanced portfolio.My primary objective to
invest 10 to 15 years to meet the expense later.
Reply
Basavaraj Tonagatti says
January 11, 2015 at 10:44 PM
AnandBut don’t over invest in small and mid cap.
Reply
Subodh Deshpande says
January 10, 2015 at 12:40 PM
Hi,
I was investing in below listed funds from last 4 years (INR 1000 each), should I continue to invest in
the same.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 12/86
Franklin India Blue chip Fund
Reliance RSF Equity option
HDFC Prudence Fund
HDFC Mid Cap Opp.
Franklin Smaller companies Fund
All funds are Growth Option Funds.
Thanks & Regards
Subodh
Reply
Basavaraj Tonagatti says
January 10, 2015 at 12:52 PM
SubodhWhy can’t retain one mid cap among Franklin or HDFC? Rest are acceptable.
Reply
Subodh Deshpande says
January 10, 2015 at 8:40 PM
Hi Basavaraj,
Noted with Thanks.
I want to continue this investment for 7+ years at least.
I want to invest some lump sump amount in MF in next 2 years for holding period of 10+
years. Can it is possible to suggest MF for the same.
I was listed below funds. Kindly let me know your opinion for the same.All are Growth
Option
Franklin Templeton Prima fund.
Franklin Templeton Prima Plus
ICICI Dynamic fund
ICICI discovery Fund
HDFC Equity Fund
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 13/86
UTI Opprtunities
Reply
Basavaraj Tonagatti says
January 11, 2015 at 11:55 AM
SubodhIn my view one large cap and another small and mid cap fund is enough.
Reply
Amandeep says
January 10, 2015 at 12:45 AM
Sir,
New year greetings to you! One question in the context of mutual funds, though not related to the
“best funds” topic that your article talks about. How do GSec/gilt funds work and manage to give
some profit to the investor (agree that the rate is much less than other equity categories)? I recall
seeing somewhere a summary of performance of various funds and was surprised to see return rate
for 3year period for some longterm gilt funds being close to 12%, which is around 3 percentage
points higher than most bank fixed deposits. Given that gilt funds are for government securities/bills
(as opposed to being equities/debtbonds of profitoriented private sector), how does the
government give back (on an average) to investors a profit that is higher than that what banks give?
Banks get a lot of income from interest paid on loans they lent out, but how does government make
profit from security bills I thought are primarily meant to meet government’s needs, which obviously
are not expected to be profitoriented but rather administrationrelated expenditures, expenditure
on government projects which again are peopleoriented rather than being profitmotivated? Just
curious to know this. I understand that the question is more related to economics rather than to
individual finance planning
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 14/86
Basavaraj Tonagatti says
January 10, 2015 at 1:07 PM
AmandeepYou misunderstood that Govt will give more than 3% to what is obliged on that
particular bond. To simplify it. Let us say you hold a bond face value of Rs.100 and offering 8%
yearly interest. Assume that currently banks offer 8.5% return on their FDs. So which one new
investor look for? Obiviously the Bank FDs. Because it offers more than your bond. After few
days let us say Bank reduced it’s interest to 7.5% on their FDs. Then where new investors look
around for? They search for the bond sellers who are holding the bonds which are offering more
than Bank FDs, I mean you. In that case you may offer them the selling price at Rs.105 (you
bought it at Rs.100). By doing so you book the profit of Rs.5+any interest that bond already paid
you. This is what exactly happens with bond funds. To be precise when interest rate falls in
outer market then bond prices raise and it is reverse when banks raises interest rates. Do
remember that bond funds are not risk free. Higher the tenure of bond higher the risk. So don’t
be in wrong belief that Bond Funds are risk free or Govt actually pay the 12% return.
Reply
Pavan says
January 9, 2015 at 4:01 PM
Hi,
I want to invest around 10000 rs /month for a time horizon of more than 10 years in mutual funds ,
can you suggest me how should i split my investment. My goal is to create a healty corpus and i am
open to high risk funds.
Pavan.L
Reply
Pavan says
January 9, 2015 at 4:02 PM
Please do suggest my with the best funds that i can go with. I will not need any ELSS funds in
my folio.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 15/86
Reply
Basavaraj Tonagatti says
January 9, 2015 at 10:05 PM
PavanIt is already listed above.
Reply
Basavaraj Tonagatti says
January 9, 2015 at 10:06 PM
PavanOne large cap, one small and mid cap and if possible one balanced funds are enough.
Reply
sachin says
January 7, 2015 at 3:38 PM
I have started investment in SIP of RS 18000 with time horizon of 10 yrs plus with
moderate to aggressive risk appetite. I have already invested in PPF ( 5000/MONTH) AND PLI (
5000/mth).Kindly suggest which fund to continue and or replace as i can invest upto 20 –
25000/mth .
1.ICICI Prudential Focused Bluechip Equity Retail Growth: 3000/mth
2.UTI Dynamic Bond Growth: 3000/mth
3.HDFC MidCap Opportunities Fund Growth: 2000/mth
4.Canara Robeco Emerging Equities Growth: 2000/mth
5.UTI MNC Fund Growth:2000/mth
6.HDFC Balanced Fund Growth:3000/mth
7.UTI Opportunities Fund Growth: 3000/mth
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 16/86
Basavaraj Tonagatti says
January 7, 2015 at 6:42 PM
SachinWho selected these funds for you? Whether you did research before investing?
Reply
sachin says
January 9, 2015 at 11:20 AM
hi
these funds were suggested by a relative of mine but i am not sure i should invest in all of
them or replace some of them with better prospects
Reply
Basavaraj Tonagatti says
January 9, 2015 at 11:45 AM
SachinMy choice from your listed fundsICICI Pru Focussed Bluechip Fund, HDFC
Mid Cap Opp Fund, HDFC Balanced Fund. Rest of the funds are not required.
Reply
AD says
January 7, 2015 at 10:19 AM
Sir,
Is it wise to invest in L&T Business Cycle Fund for long term?
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 17/86
Ankurpreet says
January 7, 2015 at 2:11 AM
Which is the best website where i can invest in all these MFs at one place?
Reply
Basavaraj Tonagatti says
January 7, 2015 at 10:20 AM
Ankurpreetwebsite in the same online and direct? Wait for mutual fund utility platform. Soon
your dream will be reality
Reply
Krishna says
January 6, 2015 at 6:46 PM
Hi sir,
I would like to know the lock period for canara robeco equity tax saver (G).
Reply
Basavaraj Tonagatti says
January 6, 2015 at 6:56 PM
KrishnaIncluding Canara Robeco Equity Tax Saver, all ELSS have lockin period of 3 years. In
case of SIP, each investment is considered as fresh investment. So in case of monthly SIP the
first month SIP must complete 3 years then only it is eligible for withdrawal and same continue
with subsequent monthly SIPs.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 18/86
Maunang Modi says
January 9, 2015 at 9:58 AM
Dear Basavraj,
Which option is better SIP or Lumpusump for longer period??
Reply
Basavaraj Tonagatti says
January 9, 2015 at 10:22 AM
MaunangIt depends on your comfort. If you have huge cash now then go for long
term one time investment. If don’t have then SIP. But do remember that both options
are for long term.
Reply
I am sahil from mumbai says
January 6, 2015 at 5:28 PM
I am sahil sir I would like to invest 25,000 every year for 5 years will you suggest be which will be the
best mutual fund for investing and what good returns will i get after 5 years . Is HDFC short term
mutual fund ok or ICICI prudential tax benefit is ok for 5 years pls suggest me good idea for my child
investment
Reply
Basavaraj Tonagatti says
January 6, 2015 at 6:25 PM
SahilIf your time horizon is less than 5 years then don’t enter. Keep it in mind that equity
investment should be minimum of 57 years or more.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 19/86
Reply
Pardeep Singh says
January 6, 2015 at 4:04 PM
If I want to invest upto 10,000 a month for 5 years, what will be best option…
Hi Basavaraj
A. Invest all amount in HDFC Mid Cap Fund
B. Equally invest in 2 like two HDFC Mid Cap Fund and HDFC Balanced plan.
C. Invest in upto 5 different plans for safety.
This is going to be my first Investment and I am covered for Tax benefits with PPF, so basically need
something with fast returns over 5 years to achieve finacial goals.
Thanks
Pardeep
Reply
Basavaraj Tonagatti says
January 6, 2015 at 6:24 PM
PradeepFAST RETURN within 5 Years…sorry no EQUITY INVESTMENT.
Reply
Pardeep Singh says
January 7, 2015 at 9:17 AM
So what kind of periods are suggested up to 10 years or more?
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 20/86
Basavaraj Tonagatti says
January 7, 2015 at 10:13 AM
PradeepIt must be always more than 5+ years. Longer the better.
Reply
pratibha says
January 5, 2015 at 7:58 PM
Hi Basvaraj,
I need to do investment for 20,000 as a one time payment not annual premium for tax exemption
this year only.
Would like to cash out the return after 4 or 5 years. Could you please suggest the best MF for the
highest return.
I need to do it today only so please help asa.
Thanks,
Pratibha.
Reply
Basavaraj Tonagatti says
January 5, 2015 at 8:55 PM
PratibhaNONE…because equity investment (ELSS in your case) not meant for such short term
investment horizon of 45 years. If you have time frame of more than 5 year then invest.
Otherwise my suggestion is to stay away.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 21/86
Rama Mohan says
January 5, 2015 at 6:48 PM
Sir,
1. What is the cap for investing in Tax Saving ELSS for the current year.
2. Most of the articles are recommending ELSS.
3. If my wife can invest Rs 1.5 Lakhs in ELSS, please advise where to put money.
Thanks in advance.
Reply
Basavaraj Tonagatti says
January 5, 2015 at 8:44 PM
RamaIt is maximum of Rs.1,50,000 (that includes Life Insurance, NSC, PPF, EPF of your
contribution and many more). Yes she can invest but source must be from your end. But do you
know ELSS have lock in of only 3 years and equity investment is meant for long term?
Reply
SOMASHEKHAR says
January 5, 2015 at 1:52 AM
Sir
I am SOMASHEKHAR aged 32 working in a govt service. sir I want to invest rs 6000 every month
under sip of mutual funds. Pl suggest me the 6 funds of rs 1000 each for long term investment of 15
18 years for my children education and marriage.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 22/86
Basavaraj Tonagatti says
January 5, 2015 at 9:19 AM
SomashekharSir why 6 funds? Do you feel you will be at safer by adding more funds?
Reply
Nithin says
January 4, 2015 at 4:52 PM
Hi basavraj,
i am planning to do some investment for time horizon for 3 years, this is basically for clearing of loan
what would you suggest investing in debt or equity funds or RD etc..?
Reply
Basavaraj Tonagatti says
January 4, 2015 at 5:29 PM
NithinIf it less than 3 years then go for RD.
Reply
sachin says
January 3, 2015 at 8:00 PM
I wanted to invest 1 lakh. Kindly tell me the best shares to invest in
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 23/86
Basavaraj Tonagatti says
January 3, 2015 at 9:38 PM
SachinStock investment is not game of kid. Also the best method is to learn yourself to invest.
Today I may recommend you one or few stocks. After few years the incurred loss then whose
money will it be? So stay away from any such HOT TIPS of stock investment.
Reply
Ashish Banerjee says
January 3, 2015 at 4:19 PM
Hi Basavaraj Tonagatti,
Your article & replies seems impressive.
I am a investor & invested in market through various modes (ULIP,money back plans(guranteed
income),PPF,NSC,MF (SIP & lump sum both),RD & FD).
Seeing the currently scenario of market from last 6 months I am investing only in MF. Currently I
have 15000.00 with me, generally I use to FD of the same but if I opt investment in MF lump sum
can u please suggest me
Thanks & Regards,
Ashish
Reply
Basavaraj Tonagatti says
January 3, 2015 at 9:27 PM
AshishWhat is your time horizon of investment and whether basic things like Life Insurance,
Health Insurance, Accidental Insurance and emergency funds are at place?
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 24/86
Ashish Banerjee says
January 5, 2015 at 7:36 PM
Hi,
Thanks for revert.
Please find my mf investment below:
Axis Long term equity Fund Lumpsum
Axis Hybrid Fund NFO Lumpsum
Reliance Small Cap Lumpsum
SBI emerging Bussiness fund SIP1000.00
Sundaram Tax saver SIP1000.00
HDFC Tax Saver SIP1000.00
HDFC Mid Cap oppurtunities Fund SIP1000.00
DSP BR micro cap SIP1000.00
SBI magnum Insta cash Lumpsum
SBI magnum Tax gain Scheme Lumpsum
IDFC Dynamic Equity fund NFO Lumpsum
IDBI Diversified Fund Lumpsum
Health insurance:
Apollo Munich of me & my wife.Optimal plan
life Insurance.
IDBI fedralGuranteed Income plan
Aegon1 tradional & 1 ULIP
Each premium of 20000.00
PPF 2000025000 annualy
try for FD every month till july 2014.seeing the current scenario started investing in MF on
consultation of my advisers.
Thats it.
Time 35 years.If profit is good then ready for long term also.
Regards,
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 25/86
Ashish
Reply
Basavaraj Tonagatti says
January 5, 2015 at 8:53 PM
AshishWhy so many funds? Also apart from health insurance and PPF, I found rest
dummy. What do you mean by “if profit is good then for long term also”? What if your
portfolio is 50% slashed due to market downturn? First understand what you need.
Then go ahead.
Reply
Ashish Banerjee says
January 7, 2015 at 9:09 AM
Frankly saying no one has suggested me this advice. I having 45 financial
advisors and all are suggesting to invest in MF in this market scenario.The reason
is that 3 of them are MF advisors & 2 of them belongs to bank but they are saying
that it will be better to invest in MF in place of FD as this is a market of equity.
Since your views are so different thus I will try to get more of your views and will
try to open all my financial investment pages in front of you.And trust me there
are very few who are carrying out such awareness program,these type of
suggestions are generally find within the family by a family member only (I
believe)
I have that much in FD which will helpful to me in case of emergencies thus
liquid cash available.
The reason for writing long term.
Then also if you will suggest for RD / FD I am ready for the same.
Your blogs are too good & you are doing a good work.This one I say is a “service
without the aim of profit & thus helpful to everyone”.Best of Luck….
Now suggest me the way forward,if switching in SIP required will go for the same.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 26/86
Thanks,
Ashish
Reply
Basavaraj Tonagatti says
January 7, 2015 at 10:19 AM
AshishRetain one large cap, one small and mid cap and if possible one
balanced fund. That’s it for all your investment in equity mutual fund. Try to
come out of existing insurance as early as possible. Because they combine
insurance with investment and which is worst type of strategy. Buy online
term insurance of your choice to the tune of at least around 1520 times of
yearly income+any existing debt amount. If your time horizon is more than
7+ years then at this stage too you can enter into market. No harm in this.
But restrict your funds to as I said above. Thanks for your kind words
Reply
Ashish Banerjee says
January 7, 2015 at 1:06 PM
Hi,
Thanks for revert.
Can u please specific to the funds as per the performance.If I am having
then which,if not then which I should buy.I believe I do not have
Balanced fund.
Enter into market means.I am already a investor & investing in MF.
Apart from term insurance I should not do any type of insurance.This is
too different.I am of 30 yrs. In general I have invested 2 moneback
plans & 1 ULIP.Is there any harm.
I have done Investment in ELSS/PPF/insurance from the motive of
saving tax.Should I come out of ELSS & PPF ?
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 27/86
What about FD/RD/KVP,etc investment ?
Reply
Ashish Banerjee says
January 7, 2015 at 1:09 PM
Wrongly written
I have done Investment in ELSS/PPF/insurance from the motive of
saving tax.Should I come out of ELSS & Insurance ?
Reply
Basavaraj Tonagatti says
January 7, 2015 at 3:35 PM
AshishIt require to work on each fund. So I am saying in generic.
Do it yourself. It is not a rocket science. Already having investment
is different but fresh investment must be fresh look at time frame.
You already trapped with ULIPs and Traditional plans of
insurance, still feel you have not done anything wrong? As I said
many times, your investment must be tax efficient but at the same
time, don’t forget to have proper goal attached to investments.
Have you done that?
Reply
Ashish Banerjee says
January 9, 2015 at 10:10 AM
Ok… Got it.But currently it would be difficult for me
discontinue all the insurance & ULIP.Will not invest
further.Max will go for a term plan by end of this year.
Will be investing in ICICI Focused blue Chip & HDFC
balanced growth..SIP of 1000.The money I have 15000.00 will
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 28/86
be for a FD in this month.
I am continuing with above SIPs & MFs.& will try to continue
by keeping 34 funds. As u suggested 1 large CAP,1 small CAP
,1 mid cap & 1 ballanaced fund.
I would continue with the ELSS SIP because I am dependent
on them for tax saving.Axis LT Equity has given me a good
return .I will keep the same & rest 1 SIP of ELSS.
All this aim for this year.
In case i am still wrong somewhere please correct me.
Thanks,
Ashish
Reply
Basavaraj Tonagatti says
January 9, 2015 at 10:24 AM
AshishGo ahead.
Ashish Banerjee says
January 9, 2015 at 4:01 PM
Hi,
Your views on :
Birla Sun life Manufacturing Equity Fund
Regards,
Ashish
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 29/86
Basavaraj Tonagatti says
January 9, 2015 at 10:05 PM
AshishI prefer diversified than sector specific.
Gaurav says
January 3, 2015 at 1:46 PM
Dear Basavaraj,
First thanks for this awesome write and being so active in helping people with their investments by
replying to their questions
I need your valuable suggestion on an investment plan for planning annual vacations.
I am thinking upon investing Rs. 12000 (5000 + 5000 + 2000) in Sip per month for about one and
utilizing it for an annual vacation.
I need your valuable suggestion in choosing best sip plan.
Thanks in advance
Regards
Gaurav
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 30/86
Reply
Basavaraj Tonagatti says
January 3, 2015 at 9:25 PM
GauravAnnul vacation means you need the invested amount after one year of start right? Stay
away from any equity investments if your time horizon is less than 57 Yrs.
Reply
Gaurav says
January 3, 2015 at 11:55 PM
Thanks Basavaraj,
Yes you are right, I would need the invested amount after an year.
So, what would you suggest as a best investment plan/mode/method for annual an
vacation?
Best regards
Gaurav
Reply
Basavaraj Tonagatti says
January 4, 2015 at 10:42 AM
GauravBest is to go for Bank RDs. Because in case of debt funds also, taxation will be
same as that of Bank RDs and the return is not guaranteed. Instead in RDs it is
guaranteed.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 31/86
dibyendu chakrabarty says
January 2, 2015 at 8:19 PM
dear sir,
I need 56 lakh after 5 years.please suggest me how much I have to invest on mutual fund and which
fund perfect for my gold.
Thank you
Reply
Basavaraj Tonagatti says
January 2, 2015 at 9:26 PM
DibyenduSorry no equity investments for a period of 5 years or less.
Reply
dibyendu chakrabarty says
January 2, 2015 at 9:56 PM
sir I want to invest through sip.is there have no any or bunch of fund
Reply
Basavaraj Tonagatti says
January 3, 2015 at 8:36 AM
DibyenduMay I know what do you mean by “bunch of fund”?
Reply
dibyendu chakrabarty says
January 3, 2015 at 7:14 PM
I mean to say one or more dan one fund. actually I want to buy a car after 5 or six
year so I need DAT money.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 32/86
Reply
Basavaraj Tonagatti says
January 3, 2015 at 9:37 PM
DibyenduStay away.
Reply
sainath says
January 2, 2015 at 7:59 PM
Sir, I’m a student who want to save his savings in sip to get maximum out of investments. my initial
budget is 1000..I had tried to invest in icici focussed blue chip and franklin large cap as mentioned
above,but the minimum investment is 5000 .. Can you suggest me a way to invest 1000… also note
they are my long term savings 10+years ..I decided not to move them for any cause.Thanks for the
article..
Reply
Basavaraj Tonagatti says
January 2, 2015 at 8:05 PM
SainathWhether your investment is one time or monthly Rs.1,000?
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 33/86
sainath says
January 2, 2015 at 8:13 PM
Its monthly investment.
Reply
Basavaraj Tonagatti says
January 2, 2015 at 8:19 PM
SainathThen you can invest easily in that fund. They said Rs.5,000 minimum for one
time investment but not monthly. So can start with Rs.1,000 monthly SIP.
Reply
sainath says
January 2, 2015 at 8:23 PM
Thanks for the reply…kindly Please choose a plan to invest for me..
Reply
Basavaraj Tonagatti says
January 2, 2015 at 9:26 PM
SainathIt is already listed above.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 34/86
Ram says
January 2, 2015 at 4:36 PM
Hi Basu,
Currently, I am holding the below funds since June – 2014.
1. HDFC MidCap Opportunities Fund(G) – 1000k (SIP)
2. ICICI Pru Focused BlueChip Eq FundReg(G) – 2000k (SIP)
3. UTI Opportunities Fund(G) – 1000k (SIP)
4. Reliance Reg Savings FundEquity Plan(G) – 1000k (SIP)
My question is, Can I show them to Tax Savings under 80C for current financial year (20142015).
Because I have invested recently (June2014) and these funds are not completed 1 year (investing
period).
Please let me know. Thanks.
Reply
Basavaraj Tonagatti says
January 2, 2015 at 6:15 PM
RamNone of them are eligible for tax deduction under Sec.80C. So you can’t show them.
Reply
Karthikeyan Selvam says
January 1, 2015 at 8:34 PM
Hi Basu,
1. I have started my Mutual fund investment on Sep 2014 in ICICI Prudential Tax Plan – Direct Plan
(G) for next 15 years, monthly 2000 and this for my child education, reason why i have chosen above
plan, currently i am paying yearly 15000 thousand tax , so that i have chosen this Plan…
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 35/86
2. Also i am willing to invest in another fund (ICICI Prudential Focused Bluechip Equity Fund –
Direct Plan (G)) for next 20 years, this is for my retirement.. Monthly – 2000… Is this good option?
3. Is this (ICICI Prudential Tax Plan – Direct Plan (G))the one which you have mentioned in large
cap fund? Or am i selecting wrong fund? why i am asking this question.. you have given 5 years
return in your list but when search about this fund… It’s started only on 2013 that’s why i am asking
this question..
Reply
Basavaraj Tonagatti says
January 2, 2015 at 4:00 PM
KarthikeyanI said about ICICI Pru Bluechip Fund. Also there is no such diversification among
tax funds like large cap or so. But you can go with these two funds for your future goals.
Reply
Karthikeyan Selvam says
January 3, 2015 at 5:37 PM
Thanks for the reply Basu,
One last question ..
Below mentioned two are same fund ?
I am trying to invest in first one (ICICI Prudential Focused Bluechip Equity Fund – Direct
Plan (G)), but in your list it is given fund name as second one (ICICI Prudential Focused
Bluechip Fund (G)) . I Just want to clarify whether both are same fund, If yes, shall i
continue with first one?.
1. ICICI Prudential Focused Bluechip Equity Fund – Direct Plan (G)
2. ICICI Prudential Focused Bluechip Fund (G)
Reply
Basavaraj Tonagatti says
January 3, 2015 at 9:32 PM
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 36/86
KarthikeyanVery much same. Go ahead and best of luck
Reply
RAJ says
January 1, 2015 at 3:54 PM
sir should i continuue with 2 funds of 2014
1. uti oppertunity(g) 1000 Rs.
2. icici tax pru fund 2000 Rs.
Reply
Basavaraj Tonagatti says
January 1, 2015 at 7:34 PM
RajYes continue.
Reply
D Pal says
December 31, 2014 at 7:06 PM
Hello sir,
I have a general question.
Suppose after one year, I find a particular MF is not doing well, what should I do ?
Should I redeem the amount and put into another similar Fund category or wait for another year, as
I have 1 yr exit load ?
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 37/86
Regards,
D Pal
Reply
Basavaraj Tonagatti says
December 31, 2014 at 8:49 PM
PalBetter to wait and watch. If it consistently start to under perform then switch.
Reply
D Pal says
January 1, 2015 at 9:36 AM
Thank you sir.
Wishing you a Happy and Prosperous New Year.
Regards,
D Pal
Reply
Basavaraj Tonagatti says
January 1, 2015 at 7:10 PM
PalSame to you too
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 38/86
Gavin says
December 31, 2014 at 11:10 AM
Hi,
My current MF list is:
SBI Multicap Fund –
DSP Micro Cap fund
HDFC Equity Fund –
ICICI Pru Balanced
SBI Blue Chip Fund
Franklin Build India
Principal EmerBluechip
Can you suggest should I continue or switch to some other MF?
Reply
Basavaraj Tonagatti says
December 31, 2014 at 2:08 PM
GavinRetain one large cap, mid and small cap and if possible one multi cap. Rest of them are
not required.
Reply
Mangboi kuki says
December 31, 2014 at 6:54 AM
Sir, I planned to start an SIP in mutual funds for Long duration i,e between 2030 years .Please
suggest for how long investment in mutual fund should be done.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 39/86
Basavaraj Tonagatti says
December 31, 2014 at 2:15 PM
MangoboiIf your investment horizon is more than 5+ years then you can easily start investing
in equity mutual funds. So in your case, you can go ahead.
Reply
neoanderson says
December 31, 2014 at 4:12 AM
Dear Basunivesh, Thanks for your excellent articles. I am little bit confused about mutual fund
selection and ranking. For eg. HDFC Top 200 was recommended by you and SureshKP. But this fund
is de ranked in valueresearch and moneycontrol.com and has been recommended to sell. I
understand that there are so many parameters involved in ranking and selection. If possible can you
please explain the basis of your selection. I am sure this will help many readers to select their funds
of choice. Thank you.
Reply
Basavaraj Tonagatti says
December 31, 2014 at 2:22 PM
neoandersonHDFC Top 200 is consistent performer since 1990 periods. Even though it may be
lower ranked by few ranking sites, but still check it’s benchmark return to fund return. You
notice that it always beaten the benchmark. Along with that this fund have major exposure
towards Finance and especially towards Banking. So sometime due to lethargic Govt initiatives
this fund may under perform. But overall this fund is best choice among the category. Forget
about SELL call or rankings. But look at it’s performance and indicators. It is best fund.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 40/86
vinod says
December 30, 2014 at 8:59 PM
hello basu,
i have 5 funds, ICICI pru focused bluechip, quantum long term, IDFC pr equity, BSL frontline equity,
ICICI value discovery. I park equal amount in all 5 funds.
Please suggest me shall i continue in same or should i change them.
thanx
Reply
Basavaraj Tonagatti says
December 31, 2014 at 2:29 PM
VinodBetter to retain any two to three funds (large cap and small and mid cap) and rest of
them will not serve any purpose to you.
Reply
D Pal says
December 30, 2014 at 5:49 PM
Hello Sir,
I saw your nice suggestion on different sectorial MFs.
I invested in two international equities as below :
F T India Feeder – Franklin U S Opportunities Fund
ICICI Prudential US Bluechip Equity Fund
Please let me know your suggestion on above funds on long term SIP.
Regards,
D Pal
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 41/86
Reply
Basavaraj Tonagatti says
December 30, 2014 at 8:28 PM
PalWhy these US funds?
Reply
D Pal says
December 31, 2014 at 9:12 AM
Sir,
I didn’t trust Indian MFs as I didn’t get good return in last 3 yrs, so I closed those one yr
back and started those funds.
I am stopping these and starting according to your suggestion.
Thank you very much for your reply.
Let me know, if you want to suggest me anything else.
Regards,
D Pal
Reply
Basavaraj Tonagatti says
December 31, 2014 at 2:13 PM
PalPlease follow the first and utmost important thumb rule of equity investment
Always invest in equity only if your time frame is more than 5+ years. Second thumb
rule isReview the portfolio at least once in a year. If you need funds to nameThe list
is already published above.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 42/86
D Pal says
December 31, 2014 at 3:50 PM
Thank you sir.
I will follow your guidance.
Many thanks for giving valuable suggestions to me and others.
Regards,
D Pal
Reply
Ram says
December 30, 2014 at 5:38 PM
Hi Basu,
Could you please tel me the best liquid fund for 2015. Because i want park my money into liquid fund
instead of saving bank.
Please let me know. Thanks.
Regards
Ram
Reply
Basavaraj Tonagatti says
December 30, 2014 at 8:27 PM
RamThere is nothing called BEST liquid fund. Because all liquid funds invest in short debt
papers. Such debt products are safest and usually interest fluctuations will not vary that much.
So choose a fund from mutual fund company which you feel comfortable.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 43/86
Reply
Ram says
December 31, 2014 at 4:42 PM
Thanks Basu..
Reply
Amit says
December 30, 2014 at 4:20 PM
Hi Basu,
First of all, congratulations to you on the great work you are doing. This is very helpful for someone
like me who is new to mutual funds investing.
I am 38yrs old. I started sips for 10k/month early this month with long term investment horizon of
~10yrs. I selected the following six funds – all growth options:
Large Cap : ICICI Pru Focussed Bluechip (2k) ; BSL Top 100 (2k) ; UTI Equity (2k)
Mid Cap : HDFC MidCap Opportunities (1.5k) ; Franklin I Smaller Companies (1.5k)
Small Cap : DSPBR Micro Cap (1k)
Now I wish to increase my sips by another 10k/month.
Should I just 2x the investments in the above funds or choose newer funds. I did increase the sips in
ICICI Pru Focusssed Bluechip and HDFC MidCap opportunities as these got listed in your 2015 list
as well.
Regards,
Amit
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 44/86
Basavaraj Tonagatti says
December 30, 2014 at 8:19 PM
AmitContinue your new investments in same funds.
Reply
sandeep says
December 30, 2014 at 2:42 PM
Hi Basu,
Thanks for the list.
I am newbie, need some inputs from you.
I Have read it in many blogs that it is good to keep MF investment for long term to expect good
returns.
So, we select one good large/mid/small cap fund and invest in the same.
Any reason on why it is required to shift the focus on others funds every year?
If this is the case, then we are deviating our sip every year and trying to time the mutual fund..right!
Also, any reason for you to not consider SBI Magnum Equity Fund? It’s in top 10 rank for
3yrs,5yrs,10yrs as per valuereasearchonline.
Thanks
Sandeep
Reply
Basavaraj Tonagatti says
December 30, 2014 at 3:46 PM
SandeepI never said to switch it on yearly base. If the fund consistently under perform it’s peer
or benchmark then you need to think. It may be either every year or once in a few years. But
monitoring equity investments once in a year is must. That is what I am pointing. SBI may be
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 45/86
star rated fund, few issues like expense ratio to other recommended large cap made me to stick
to above two funds of this category.
Reply
Amit says
December 30, 2014 at 4:48 PM
Hi Basu,
This is good stuff. I too share Sandeep’s question, and find your answer convincing.
Just one doubt though..For long term growth, we selected the funds on the basis of say
5yr/10yr performance. (we did not look too much into the short term 1yr/2yr returns while
making this decision).
Now when we review the performance after 1 year of investing and comparing with
peers/index, are we not trying to conclude the performance of the fund based on 1yr/2yr
returns while we selected the fund based on 5yr+ performance to begin with? It might be so
that the fund already predicted poor returns in 1/2 yr term compared to its peers when we
selected the fund?
I am confused a bit on this. Pls. share your thoughts.
Regards, Amit
Reply
Basavaraj Tonagatti says
December 30, 2014 at 8:22 PM
AmitValid point But at the same time we must also look into benchmark it is
following. Reviewing yearly means not churning your investment yearly once. But give
more time to funds. So if it is continuously under performing then churn it.
Reply
sandeep says
December 31, 2014 at 1:30 PM
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 46/86
Thanks for the clarification.
Now, I look further into the list of Large cap funds to pick one good fund…
Ofcouse, Franklin Bluechip and ICICI focussed bluechip is in the top, but I just
have one more fund ahead of fran.. or ICICI – UTI Equity Fund..
Reasons for UTI EF to takeover Fran..or ICICI.. –
Better 1Y/3Y/5Y/10Y returns…
Better Sharpe Ratio, Alpha and almost similar SD, ER.
2008 and 2011 when market saw the crash, this fund has taken the lowest risk
and the returns during this period is better than its peers (although negative ..
But that is the case with all funds)
Experienced Fund manager who has stayed for a long time..
As I mentioned, I am a newbie and it is only based on some theory I am looking at
UTI EF..But you have more pratical experience and have seen things around…so
definitely need your views please. Thanks
Reply
Basavaraj Tonagatti says
December 31, 2014 at 2:00 PM
SandeepI never said that the fund I have chosen are ONLY best to invest
and rest are bad. You can go with UTI fund also.
Reply
Suersh Krishna says
December 30, 2014 at 11:29 AM
I have following portfolio : ICICI Prudential dynamic growth Rs 2k , ICICI foucssed blue chip – Rs
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 47/86
1k, IDFC premier equity – Rs 2k per month as SIP started last year based on your article. What is
your call on IDFC premier – Do i need to stop and start other fund as recommended as one year term
is ending for this fund. Please advise.
Reply
Basavaraj Tonagatti says
December 30, 2014 at 12:50 PM
SureshContinue investing. No need to worry.
Reply
Suresh Krishna says
December 31, 2014 at 11:29 AM
Thanks. Will continue same portfolio.
Reply
Raghu says
December 29, 2014 at 11:25 AM
Your comment is awaiting moderation.
Dear Basavaraj,
I am 33 yrs of age and investing in MFs for last 8 yrs. Recently I closed all my holdings and the
amount was diverted for the purchase of a flat. Now I want to start new investment for a time zone of
1015yrs. I would like to invest upto 10,000 per month in 2 or 3 funds. Having seen the ups and
downs in the market, I am aware of the benefit of long term systematic investment. Please suggest
me 2 or 3 funds wherein I can investment an amount of 10K/month.
Regards
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 48/86
Raghu
Reply
Basavaraj Tonagatti says
December 30, 2014 at 10:25 AM
RaghuChoose one large cap and small and mid cap from above list.
Reply
pratik says
December 28, 2014 at 7:59 PM
i have some investment in reliance diversified power sector, Birla infrastructure fund, Reliance gold
fund etc ( Sector funds). This is apart from my ongoing SIP In diversified funds. I have already
stopped SIP in sector funds but my investment is still there.
I am planning to switch my sector fund investment to diversified equity fund of the same AMC over
12 months. (same AMC to avoid expenses)
pl advise , is it a good decision or we should retain this investment.
Reply
Basavaraj Tonagatti says
December 30, 2014 at 10:39 AM
PratikBetter to switch as early as possible.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 49/86
PINKY SARKAR says
December 27, 2014 at 9:20 PM
Hello,
I am new to Equity market & want to start investing.
Please can you guide me with the better option for both short term & long term returns.
Also, the amount I should start with.
Thank you,
Pinky
Reply
Basavaraj Tonagatti says
December 28, 2014 at 1:05 PM
PinkyHow can with mere two lines of sharing guiding is possible? Need more info like how
your financial planning set up as of now.
Reply
PINKY SARKAR says
December 29, 2014 at 8:05 PM
Hello,
Well, I have only fixed deposit and Gold as a medium of investment. My budget to invest in
equity funds is Rs.10000/ monthly. I am looking for both short term & long term gains &
new to such investments.
Kindly guide the plan or equity fund which can help me to earn profit both on short term &
long term.
Also, Is there any plan which can help me to earn monthly income? And, if yes, than what is
the amount I should invest in it?
Please let me know, if you require any more details.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 50/86
Thank you,
Pinky Sarkar
Reply
Basavaraj Tonagatti says
December 30, 2014 at 10:06 AM
PinkyPlease let me according to you how much years is short term and long term.
Reply
yuv says
December 26, 2014 at 10:57 PM
Basu nivesh ji! grateful for your valuable suggestions i timely quit smart platinum now i have asked
the agent to put that 99000 each fr pnb tax plan ELSS.
Secondly i have planned to invest 10000 monthly on ICICICIPRUDENTIAL TAX PLAN
and RELIANCE TAX SAVER MUTUAL FUND.I am aged 46 years i have ppf and lic purchsed long
back.
Now i plan for my both kids FMCG.
RELIANCE REGULAR SAVING PLAN
hdfc BALANCED FUND
icicici pru focussed bluechip fund each 10,000 thats 40,ooo each kid every month. Is it wise.
Iam new to this mutual fund .
Reply
Basavaraj Tonagatti says
December 27, 2014 at 6:38 PM
YuvHow you selected these funds?
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 51/86
Reply
yuv says
December 28, 2014 at 1:21 AM
seeing your advices and as well as that of agent …i can hold back i have time ..PLEASE
ADVICE I AM CONFUSED
Reply
Basavaraj Tonagatti says
December 28, 2014 at 1:01 PM
YuvWhat advice you need?
Reply
yuv says
December 28, 2014 at 9:32 PM
Am i right in choosing these funds for tax benifits and for my kids future.Please
guide.
Reply
Basavaraj Tonagatti says
December 30, 2014 at 10:38 AM
YuvRetain ICICI Tax Saver and that one fund is enough.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 52/86
Viral Vyas says
December 26, 2014 at 4:12 PM
Hi Sir,
I am new in Mutual Fund market. I want to invest 2000 per month for 5 years in SIP. So which fund
I should select for very good return. Please suggest me.
Reply
Basavaraj Tonagatti says
December 26, 2014 at 5:50 PM
ViralStay away from equity if your time horizon is just 5 years.
Reply
Manas says
December 26, 2014 at 3:44 PM
Dear Sir,
wish you a very Happy New Year
Sir, as per your suggestion of last year
I am doing SIP as follows
1 ICICI Prudential Focus Blue chip – 2000/Month ## Large Cap
2 Quantum Long Term Equity – 1000/Month ## Multi Cap
3 IDFC Premier Equity 2000/Month ## Mid & Small Cap
4HDFC Top 200 1500/Month ## Large & Mid Cap
but in your suggestion for 2015
you have not mentioned about IDFC Premier Equity, Quantum Long Term and HDFC Top 200.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 53/86
What shall I do now ??
I am a new invster and after reading your suggestion only I had started these SIP last year only.
please suggest and guide me.
Reply
Basavaraj Tonagatti says
December 26, 2014 at 5:54 PM
ManasPlease continue with existing funds. I have not mentioned because they may be not
under my criteria. But you may continue your investments. No harm and all are good funds.
Reply
Amit Budhiraja says
December 26, 2014 at 2:14 PM
Hello Sir
First of all its a nice platform you have created which helps in understanding various financial
products. Best of Luck.
I have been Investing over a year in MF now, so far the funds I am investing are mentioned below::
Axis LT Equity Fund(G) —> 5000 p/m
ICICI Pru Focused BlueChip Eq FundReg(G) —> 5000 p/m
ICICI Pru Top 100 FundReg(G) —> 2000 p/m
Mirae Asset India Opportunities FundReg(G)—> 3000 P/m
Please let me know should i continue with this portfolio or there is a scope to better it and what do
you suggest.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 54/86
Basavaraj Tonagatti says
December 26, 2014 at 5:59 PM
AmitBefore that check the portfolio overlapping. I know you might have selected these funds
based on ratings But have you checked it’s long term performance?
Reply
Sai says
December 26, 2014 at 11:59 AM
Sir,
I need your suggetion to investing mutual funds as aim new to this.
I want to invest 5000 pm in MF through sip. For 10years. I already investing 150000 in ppf.can you
please suggest where to invest it for good returns after 10 years.
Thanks in advance,
SAI.
Reply
Basavaraj Tonagatti says
December 26, 2014 at 6:06 PM
SaiChoose one large cap and another small and mid cap from above list.
Reply
lal says
December 26, 2014 at 10:28 AM
Sir
I am working executive. My current saving total about 5 Crore. About 1.7 crore in Mutual fund
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 55/86
invested visa SIP. Actually invested total 85 lac and it has become 1.7 by this time. I am willing
increase my SIP in different AMC to a level of 3.3 lac per month. So that I can invest total 2 Crore by
next 5 years. Then I will stop SIP and wait for next 5 years for my invested money to grow. For that I
will be selecting two funds with Large and mid cap, Two funds with Mid and Small cap and two funds
– balanced funds. My preference for AMC is HDFC, ICICI, Birala and Frankling. please advise me for
the following.
1) Any major wrong thing in this approach ?
2) Is it appropriate to invest within next 5 years. Because if this 5 years is a pick period ,then we have
to loose heavily
3) balanced funds are required for this duration ?
regards
lal
Reply
Basavaraj Tonagatti says
December 26, 2014 at 6:14 PM
LalYou already have investments in equity mutual funds. So if they are on right track then why
new funds for this investment? Also two funds from each category is not necessary. To me
maximum 23 funds are enough. Balanced funds may cushion you when market dropping. So let
it be. But select a fund from large cap, small and mid cap and balanced fund is enough.
Reply
Koushik Das says
December 25, 2014 at 11:36 AM
hi Basavaraj,
Very much thank you for this valuable post.Learnt a lot from this.
I am 45 years old and new to MF/I am planning to put some money in MF for next 910 yrs.
I have sufficient FD and reality investment so I can take risk on equity MF.
I am targeting to go for the following MF through SIP.Please suggest should I need any alteration.
Tata Balanced fund 5000/month
ICICI Prudential Focused Bluechip Equity Fund – Regular Plan5000/month
Quantum Long Term Equity Fund 5000/month
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 56/86
HDFC MidCap Opportunities Fund2500/month
Franklin India Smaller Companies Fund2500/month
Thanks in advance.
Koushik Das
Reply
RAM says
December 24, 2014 at 11:39 PM
What about investing directly in stock based on selected mutual fund stock and tracking the same as
per fund folio ? Do you think , it will work , Example we take HDFC top 200 and invest directly in the
stocks they have invested.
Reply
mahender singh says
December 24, 2014 at 4:32 PM
sir
i wanna thank & appreciate for ur efforts & sharing your knowledge. it really helps lay men like us to
read indepth review & take a call. am 39 years old & have invested in icici pru focussed bluechip &
reliance tax saver fund. i have seen you have not recommended or mentioned reliance tax saver. so
wanted to know your opinion/review on it. did i make a right choice by investing in it. its been 7
months in these two funds with a sip of 2500 each. also would please tell me should i go for another
tax saver fund . if yes then what is the difference between icici right & icici pru tax. please suggest.
looking foward.
Thanks
Mahender
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 57/86
mahender singh says
December 27, 2014 at 9:21 AM
sir would you please advice..waiting
Reply
Guru Prasad Pandurengan says
December 24, 2014 at 1:20 PM
Dear Sir,
I have started investing in Mutual Funds from this month. As you suggested, I have invested in the
below 2 funds.
Franklin India Bluechip Fund (G) – 2000Rs
ICICI Pru Focussed Bluechip Fund (G) – 2000Rs.
Im planning to continue this as SIP with 1000Rs each in the following months upto 5 years. Can you
please let me know how long shoud I wait for these funds to grow and what parameters I need to
check if at all I need to shift to other funds? I’m new to Mutual Fund and request you to kindly help.
Thanks,
Guru Prasad Pandurengan.
Reply
Basavaraj Tonagatti says
December 24, 2014 at 3:03 PM
GuruWhy two funds? Invest in one fund and that is enough. Equity investment should be
minimum for around 5+ years. How to check the performance is a lengthy topic. Hopefully I
may come up with a post on the same.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 58/86
Guru Prasad Pandurengan says
December 24, 2014 at 3:42 PM
Thank you, Sir. I have invested through FundsIndia website. Let me check with them for
the options of going with one fund. Kindly advice.
Thanks,
Guru Prasad Pandurengan.
Reply
Gopal says
December 24, 2014 at 1:14 PM
Sir, I am 43 yrs old with income of Rs.5lacs per annum. Only last year i have started investing in sip
of Rs.3000 in Idfc premier equity fund. I wish to invest Rs.5000 more in sip from 2015. Which plans
would u suggest for me? Thanks for your advice in advance.
Wish u a very happy new year 2015.
Reply
Basavaraj Tonagatti says
December 24, 2014 at 3:02 PM
GopalSelect one large cap from above list.
Reply
yuv says
December 23, 2014 at 11:38 PM
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 59/86
baveshji! i am very new invester in mutual fund . I need ur guidance i recently invested on pnb met
life smart platinum for five years for my two kids each 99000 a year .How do i proceed for myself i
am aged 47 years earn couple of lakhs monthly.Should i go for sbi dynamic fund. or some large cap u
suggest please .
Reply
Basavaraj Tonagatti says
December 24, 2014 at 10:33 AM
YuvFirst let me know how you chosen MetLife plan? Do you thought it as mutual fund?
Reply
yuv says
December 24, 2014 at 10:18 PM
yes! agent told me this. I badly need your guidance for investment.Some tax saver and
make white money!
Reply
A S Paranjape says
December 23, 2014 at 2:39 PM
1. Reliance Equity opportunities and Premier equity are not in the category of ” small & midcap
scheme” as they are muliticap and do not have mandate to invest in any cap.
2. One can argue against recommending of Franklin Blue chip as there are better schemes like BSL
frontline.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 60/86
Basavaraj Tonagatti says
December 23, 2014 at 2:58 PM
ParanjapeRegarding category I refereed the VR. My suggestions are listed above. You may
come out with so many permutation and combination and select a fund. So I am not against
your choice. I have chosen these funds based on the criteria I shared above.
Reply
ram says
December 23, 2014 at 12:48 PM
Already invested sufficient money in bank fixed deposits. Also invested in mutual funds for 4 to 5
years. Now mutual fund return is very good. my questions are as follow.
What strategy we should keep to book profit from mutual fund ? specifically I don’t need this money
in near future for next 10 years.
What about investing in debt funds ? (i have sufficient investment in fixed deposits). Any specific
reason why we should invest in debt funds over and above fixed deposits.
Reply
Basavaraj Tonagatti says
December 23, 2014 at 2:53 PM
RamYou need to come out of equity only when your goal is around 23 years away, but not like
when market is high. Because we don’t know today’s high may again be low after few days. Debt
Funds good only in case your time horizon is more than 3 years as due to indexation benefit
they may give you better return over FDs. But do remember that Debt Funds also bears risk.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 61/86
Rajesh says
December 23, 2014 at 12:19 PM
Dear Sir,
I am new to the mutual fund investment & plan to start investing from January 2015. My overall
budge is around 2000 Rs. per month & planning to invest in SIP basis. I want to invest for 10 years &
expected returns will around 15%. So please suggest me good SIP funds.
Thanks & Regards,
Rajesh
Reply
Basavaraj Tonagatti says
December 23, 2014 at 2:51 PM
RajeshYou can select one large cap fund from above list and invest.
Reply
Rajesh says
December 24, 2014 at 12:05 PM
Thank You very much for your guidance.
Reply
Brahmananda Reddy says
December 23, 2014 at 12:04 PM
Sir,
I have started invsetng in mutual funds from Dec 2014 in FranqlinIndiaBluechip( G)
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 62/86
1K/month(minmum 10 years).
Can I add below to my portfolio?
Reliance Equity Opp Fund (G) 1K/month ((minimum 10 years))
HDFC Balance Fund(G) 1K/Month (minimum 5 years)
ICICI Pru Tax Plan(G) 25K/year (for tax saving minimum 5 years)
Thanks,
Brahmananda reddy
Reply
Basavaraj Tonagatti says
December 23, 2014 at 12:13 PM
BrahamandaYou can add HDFC and ICICI.
Reply
ashish says
December 22, 2014 at 3:39 AM
Respected Basavaraj Sir,
Many Thanks for your efforts to empower us with Investment Ideas.
Sir, I would like to get your opinion on my portfolio:
HDFC Top 200: 15000/PM
HDFC Equity : 15000/PM
My time horizone is 12+ years. These funds i salected for my kids education. I also would like to
invest another 10000/ PM, after seeing your list i zeroed to ICICI Balanced fund, but its asset value
and return are less than HDFC Balanced fund. If I salect HDFC Balanced fund my all invetment goes
to single AMC which probably not good idea.
shall i go for ICICI Balanced fund alone for all amount or I split equally it with HDFC Balanced fund.
My time horizone for this fund will be in between 57 years.
Your valuable suggession is appreaciated.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 63/86
With Regards
Ashish
Reply
Basavaraj Tonagatti says
December 22, 2014 at 9:40 AM
AshishIn your current investment there is an overlap of around 72%. It means even though you
are investing in two different funds and category, but underlying investment overlap 72%. So no
diversification. Instead I suggest you to retain HDFC Top 200 and select one small and mid cap
from above list. Balanced fund for more than 12+ years in need? Think and decide.
Reply
amar says
December 21, 2014 at 7:13 PM
can i put some of my emergency funding in elss.can i redeem this whenever i require.i think if want
to invest in elss one time investment would be better.
Reply
Basavaraj Tonagatti says
December 21, 2014 at 7:57 PM
AmarEmergency fund in Equity and that too a lock in product called ELSS? Whether it is one
time or SIP, emergency fund always must be in safest instrument.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 64/86
amar says
December 21, 2014 at 7:01 PM
Is it a good option to invest in elss.my tax limit for 80 c is completed from other investments.i have
heard that the returns from elss is 17 % from past 5 yrs.is it true.is it a best investment option for
short term.
Reply
Basavaraj Tonagatti says
December 21, 2014 at 8:00 PM
AmarI already replied to your query. No equity for short term.
Reply
amar says
December 21, 2014 at 11:03 PM
sir ,
if i can go for long term investment is it a good option to invest in elss.
Reply
Basavaraj Tonagatti says
December 22, 2014 at 9:50 AM
AmarDrawback of ELSS is, even though fund not performing well you have to
continue up to lock in over. So choose a best ELSS and invest. Once lock in over either
continue in same fund or switch to other funds. But must be long term view.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 65/86
Nagesh says
December 21, 2014 at 5:00 PM
Hi Sir
Currently I am investing in the following SIPs 5000INR per month
UTI Opportunities Fund (G) – INR 1000
Birla Sun Life Frontline Equity Fund (G) – INR 1000
Reliance equity opportunityes fund (G) – INR 1000
ICICI Prudential Focused Bluechip Equity Fund (G) – INR 1000
Kotak 50 (G) – INR 1000
I want to increase this amount INR 10000 per month. I want to keep that for a long term for my kids
education.
Could you please suggest whether to increase the investment in the above same funds or to invest in
other funds.
Thanks
Nagesh
Reply
Basavaraj Tonagatti says
December 21, 2014 at 8:03 PM
NageshWhy so many large cap funds??
Reply
Aakash Jha says
December 20, 2014 at 7:07 PM
I must Appreciate your effort,
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 66/86
I am in need of someone like you to help me to plan my financial, hence can i have your number or
personal mail id show that i can contact you.
Hoping the best from your side
Regards
Reply
Basavaraj Tonagatti says
December 20, 2014 at 7:08 PM
AkashYou can drop the mail at basavaraj@basunivesh.com
Reply
Kumar says
December 20, 2014 at 3:54 PM
Hi Basu,
First of all, would like to appreciate the efforts you are taking to create awareness on mutual funds
and investments to public.
I am planning to investment in mutual funds which is completely new to me and i am looking for
long term of more than 1012 years kind . My monthly investment capacity on mutual funds would
be around 1215k and dont mind taking risk.
After going through the articles and performance i zeroed on following funds, can u please suggest
whether it is worth to go with or if some thing better is there can u please suggest.
ICICI Pro focussed blue chip fund — 5000
HDFC Mid cap opportunities Fund — 5000
ICICI Pru balanced fund — 2500
Birla sunlife dynamic bond fund — 2500.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 67/86
Kindly suggest…
Kumar
Reply
Basavaraj Tonagatti says
December 20, 2014 at 6:00 PM
KumarChoose one large cap, one small and mid cap and one balanced fund (if possible) from
your list. Three funds are enough.
Reply
V.SUBBA REDDY says
December 20, 2014 at 2:17 AM
Hi Basu Sir,
My current SIP Portfolio is as under –
1. SBI magnum Global Fund – 1k
2. SBI emerging business fund – 1k
3. SBI Blue chip fund – 1k
4. SBI pharma fund – 1k
5. SBI FMCG Fund – 500rs
6. SBI Infrastructure Fund – 500rs
7. ICICI Dynamic plan – 1k
8. HDFC midcap opportunities fund – 1k
I am new to this, Should i continue with this portfolio? r i change my portfolio?
From last 6 months i am opting the above mutual funds.
Thanks
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 68/86
Basavaraj Tonagatti says
December 20, 2014 at 5:50 PM
SubbaI am not fan of SBI and they are not at good as you selected sector funds. Second funds
are more risky to diversified. So better to come out of those funds. But I am comfortable with
rest two ICICI and HDFC.
Reply
Bhavin says
December 19, 2014 at 11:50 AM
I started SIPs for 13k/month in below MFs for long term Goals for 710 years.
1. ICICI Pru focussed bluechip (Large Cap) — Rs. 5000/Month
2. ICICI Pru value discovery (Mid Cap) — Rs. 4000/Month
3. Reliance equity Opp (Flexi Cap Diversified) – Rs. 4000/Month
I am planning to increase 10% every year in SIPs.
Please provide your inputs like Are above MFs are good fund for long term investment and any
changes require in existing SIPs.
Reply
Basavaraj Tonagatti says
December 19, 2014 at 12:28 PM
BhavinYou can continue the same.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 69/86
Vaibhav says
December 18, 2014 at 7:27 PM
Hi Basu,
I’ve invested in “UTI Equity Direct – Growth”. However, I didn’t find the expense ratio for direct
plan on VR.
Any idea where would I get this and your valuable opinion on the Fund house and this fund in
particular please?
Thanks,
Vaibhav
Reply
Basavaraj Tonagatti says
December 19, 2014 at 9:40 AM
VaibhavIf it is not available with VR then you can directly ask the mutual fund company. They
will provide that information.
Reply
Vaibhav says
December 19, 2014 at 1:28 PM
Thanks Basu. I’ll have to speak to their CS team as I couldn’t find it on UTIMF website too.
Can you please provide your valuable views on UTI Equity Direct – Growth fund?
Reply
Basavaraj Tonagatti says
December 19, 2014 at 1:35 PM
VaibhavIt is good fund. You can continue.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 70/86
Sab K says
December 18, 2014 at 6:13 PM
Hi,
I am planning to invest in the following funds:
UTI midcap – INR 2,500 / (3 years)
HDFC balanced fund – INR 1,500/ (3 years)
Is this ideal or are there better options? I had ICICI balanced fund in mind, but not very sure. Also,
can you please let me know good retirement plan option in mutual funds?
Thank you,
Sabitha
Reply
Basavaraj Tonagatti says
December 18, 2014 at 6:24 PM
SabHow you opted these two funds? As of now there no such BEST retirement plan. You need
to create your own corpus.
Reply
Ram says
December 17, 2014 at 9:48 PM
Hi Basu,
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 71/86
Currently, I am holding the below funds since March – 2014.
1. HDFC MidCap Opportunities Fund(G) – 1000k (SIP)
2. ICICI Pru Focused BlueChip Eq FundReg(G) – 2000k (SIP)
3. UTI Opportunities Fund(G) – 1000k (SIP)
4. Reliance Reg Savings FundEquity Plan(G) – 1000k (SIP)
Please let me know, whether it’s fine or switch to any other funds which mentioned (2015) by you.
Thanks.
Regards
Ram
Reply
Basavaraj Tonagatti says
December 18, 2014 at 12:17 PM
RamCurrently UTI is under large cap. So you have two large cap funds now. If possible retain
one (either ICICI or UTI).
Reply
Ram says
December 18, 2014 at 3:46 PM
Thanks Basu.
Could I change ICICI Prudential Dynamic Plan(G) instead of UTI Opportunities Fund (G)?
Is it possible in Funds India portal?
Reply
Basavaraj Tonagatti says
December 18, 2014 at 6:15 PM
RamIf you intend to change then do so. Yes you can do it in FundsIndia.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 72/86
Reply
Shreyas says
December 16, 2014 at 11:17 AM
Hi Basu,
My current SIP Portfolio is as under –
Birla SL Top 1oo Fund (G) – 2k
Reliance Equity Tax Saver (G) 2k
Canara Robeco Emerging Equity (G) – 1k
1. Should i continue with this portfolio?
2. I’m working in pvt sector so i don’t have pf option. Can u suggest best retirement plan?
Thanks
Reply
Basavaraj Tonagatti says
December 18, 2014 at 12:49 PM
ShreyasYou can continue. But don’t forget to review once in a year.
Reply
Shreyas says
December 18, 2014 at 4:23 PM
Thanks Basu.
I hope u forgot to answer my second question.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 73/86
Reply
Basavaraj Tonagatti says
December 18, 2014 at 6:20 PM
ShreyasCan you repeat once again. May be I missed due to long pending comment
replies due to my holidays
Reply
Shreyas says
December 19, 2014 at 1:21 PM
Hi,
My second question was as I’m working in pvt sector so i don’t have pf option.
Can u suggest best retirement plan?
Reply
Basavaraj Tonagatti says
December 19, 2014 at 1:32 PM
ShreyasSadly none…better to create your own retirement corpus by
investing in equity mutual funds (if time horizon is more).
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 74/86
Nitesh Sharma says
December 16, 2014 at 12:24 AM
Hi Basavaraj
Need Help in calculating the SD of mutul Funds can you please help with the values Input and
Formula , It will be Realy Great Help .
Reply
Basavaraj Tonagatti says
December 18, 2014 at 12:54 PM
NiteshWhat is your doubt? I don’t think it is required to do calculation at your end as all
information either available at AMC end or with few sites.
Reply
Sri says
December 15, 2014 at 10:50 PM
Basu,
Thanks for the list. I would like to know why ICICI pru value Discovery did not make it to the list?
Ideally, which category of funds does it get compared with? Thanks!
Reply
Basavaraj Tonagatti says
December 18, 2014 at 1:13 PM
SriYou can add, I don’t have any issue. But I slightly stayed away due to it’s SD.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 75/86
chandra says
December 15, 2014 at 11:04 AM
Hello Basu,
Good to see list for 2015
Is that Typo error in the above everywhere you mentioned 2014. Anyways no issues.
My question is actaully i am planning to invest on Franklin Templetion Tax shield(G)ELSS category.
But what difference it makes if i opt in person and through advisor. What do you suggest?
Reply
Basavaraj Tonagatti says
December 18, 2014 at 1:19 PM
ChandraSo Sorry !!! I corrected the mistake
Reply
Suraj says
December 14, 2014 at 6:30 PM
Hi Sir,
I am investing Rs.1000/ per month in HDFC Top 200 fund as SIP for the last 2 years, is it wise to
invest in the same fund for a horizon of 20 years as the NAV is very high.Should I come out of it?
Also I want to invest in another 2 SIP’s Rs.2000 per month time period of 15 to 20 years so please
suggest some good funds.
Regards
Suraj
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 76/86
Basavaraj Tonagatti says
December 18, 2014 at 3:22 PM
SurajContinue in HDFC Fund and select one more fund from mid and small fund category.
These two are enough.
Reply
R Parikh says
December 14, 2014 at 12:05 PM
Good, Sir what about debt – short term as well as medium to long term – how about your
recommendations for such mutual funds to invest now?
Reply
Basavaraj Tonagatti says
December 18, 2014 at 3:26 PM
ParikhLet me come out of Debt category separately.
Reply
Alpesh says
December 13, 2014 at 11:42 PM
sir please help me to select the fund i want to invest 2k per month and i have long term perspective.
And my current age is 22 so on that basis which fund i should select.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 77/86
Basavaraj Tonagatti says
December 18, 2014 at 3:28 PM
AlpeshChoose one large cap and another small and mid cap fund from above list.
Reply
ramu says
December 13, 2014 at 9:00 PM
HI,
im investing from past one year in below funds.
i want to know are there any overlapping in between these funds icici value discovery fund and and
icici focused bluechip fund .
do i need to change my portolio and my investment during is 7 – 10 years.
Reply
Basavaraj Tonagatti says
December 18, 2014 at 3:35 PM
RamuLet me give you work instead of ready made answer. Go to valueresearchonline, search
above funds, then go for portfolio tab, there you will find the underlying sector or stocks. You
will get fair idea and if possible share with me of what you learnt.
Reply
swanjan kumar says
December 13, 2014 at 8:23 PM
Hi Basu,
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 78/86
I want to invest 2000 per month on mutual funds. I am new into this kind of investment. Could you
please suggest me the options for investment in mutual fund.
Thanks
Swanjan kumar
Reply
Basavaraj Tonagatti says
December 18, 2014 at 3:35 PM
SwanjanOne large cap and another small and mid cap from above list is suffice.
Reply
amar says
December 13, 2014 at 7:22 PM
hi sir,
im new to these investments.i want to invest 2k per month for 1520 yrs.which type of funds should i
select,large or mid or small,or else shall i go for balanced funds.pls help me in this regard.these funds
should help me after my retirement or my childrens education.
i will be able to take medium risk as im 30 yrs now.
Reply
Basavaraj Tonagatti says
December 18, 2014 at 3:37 PM
AmarOne large cap and another small and midcap.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 79/86
Sujeet kumar says
December 13, 2014 at 4:53 PM
Hello
My Current Investment is as below
——————————————–
UTI Opportunity – 2k
ICICI Pru Value Discovery – 2k
ICICI Balanced 2k
Now I am planning to add few new investment as below
ICICI Pru Focused Bluechip 2k
ICICI Pru Dynamic 2k
HDFC MidCap opportunity 2k
What should I do , Is it ok ?? or need improvement please guide.
Reply
Basavaraj Tonagatti says
December 13, 2014 at 6:47 PM
SujeectDo you feel you need another three funds for your fresh investment? Also have you
checked about the portfolio overlap in existing funds?
Reply
Avin Chhangani says
December 13, 2014 at 3:48 PM
Hi,
You have mentioned that you did not select HDFC Top 200 because of standard deviation. Even
though I did a quick search on that concept, I’d appreciate if you can elaborate this point.
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 80/86
Also, if my investment horizon is 20+ years (I’m 23 years old), which would be better: Franklin
Bluechip or Franklin Prima Plus? Thanks.
Reply
Basavaraj Tonagatti says
December 13, 2014 at 6:43 PM
AvinPlease check the SD of all three funds (Franklin, ICICI and HDFC), then decide yourself.
Both are good.
Reply
Naveen says
December 13, 2014 at 12:19 PM
Sir,
Among mid cap funds, Franklin India Smaller Cos. seems to have better alpha, low beta and std.
deviation and good returns . What’s your take on it for long term like 20 years?
Reply
Basavaraj Tonagatti says
December 13, 2014 at 6:41 PM
NaveenIf you are comfortable with that fund then you can go ahead. I selected these funds
based on my comfort and research.
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 81/86
J Ayyappan says
December 13, 2014 at 10:45 AM
Sir, I am currently SIPing in UTI Opportuntieis for the past 2 years. Considering UTI Equity’s
performance, i have a feeling to move it to UTI Equity from UTI Opp Fund. Is it advisable or not? I
am alreadying SIPPING in all the funds mentioned by you for 2015 except Franklin India Bluechip.
Over and above these funds, i also SIPing in ICICI Pru Discovery Fund. Please advice
thanks
JAN
Reply
Basavaraj Tonagatti says
December 13, 2014 at 6:40 PM
AyyappanDo you feel it is mandatory to have all listed funds? No…as I said above, maximum 3
4 funds are enough.
Reply
UmaShankar Patnaik says
December 12, 2014 at 7:12 PM
Hi …Thanks for your advice…Kindly check my preference and pls guide me in selecting one out of 2
for SIP in below mentioned funds
1. ICICI pru Blue Chip Equity or UTI EQuity – 2K
2. HDFC MidCap or UTI midcap1K
3. HDFC balanced or ICICI balanced2k
4. ICICI child careStudy or HDFC multple yield (Hybrid Conservative)1K
one time investment —Pharma Sector —Reliance or SBI Pharma —–10K, debt long term10k
pls help in selecting the above funds and tell me my planning is ok or not
Reply
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 82/86
Basavaraj Tonagatti says
December 12, 2014 at 7:40 PM
UmashankarICICI Pru Bluechip and HDFC Balanced. I am not a big fan of any sector specific
investments.
Reply
UmaShankar Patnaik says
December 12, 2014 at 8:50 PM
Thanks for the help…..but what your’s take on Midcap ?
Reply
Basavaraj Tonagatti says
December 12, 2014 at 10:31 PM
UmashankarTwo funds are enough and automatically take care of your debt portion
too.
Reply
Anshu says
December 12, 2014 at 5:39 PM
Hello Sir,
Thanks for the list. I am waiting for the list.
As UTI Opportunties[G] move to Large cap. In my portfolio I had already a large cap fund ICICI Pru
Focussed Bluechip Equity [G]
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 83/86
What can we do in this situation?
Thanks & Regards,
Anshu
Reply
Basavaraj Tonagatti says
December 12, 2014 at 6:07 PM
AnshuI expected this question from someone No need to worry. Wait for another year or so.
Because that fund is also doing good.
Reply
Leave a Reply
Your email address will not be published. Required fields are marked *
Name *
Email *
Website
Comment
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 84/86
You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b>
<blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>
POST COMMENT
Search this website…
Subscribe for updates...
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 85/86
SUBSCRIBE
RECENT POSTS
IRDA Incurred Claim RatioHow to choose
the best health Insurance?
IRDA Claim Settlement Ratio 20132014
Which is best Life Insurance Company?
What is contactless Debit or Credit Cards?
Postal Life Insurance Vs LICWhich is best?
What is IRR and XIRR of your investment
and how to calculate them?
CATEGORIES
Banking
Insurance Planning
Investment Planning
Real Estate
Tax Planning
Uncategorized
RECENT COMMENTS
Basavaraj Tonagatti on HDFC Click2Protect
PlusComparative review with features and
benefits
Basavaraj Tonagatti on Top 10 Best Mutual
Funds to invest in India for 2015
Basavaraj Tonagatti on IRDA Incurred Claim
RatioHow to choose the best health
Insurance?
Basavaraj Tonagatti on Do you know
Marriage Registration Procedure and
Importance?
Basavaraj Tonagatti on Top 10 Best Mutual
1/12/2015 Top 10 Best Mutual Funds to invest in India for 2015 – BasuNivesh
http://www.basunivesh.com/2014/12/12/top10bestmutualfundstoinvestinindiafor2015/ 86/86
Funds to invest in India for 2015
BasuNivesh
733 people like BasuNivesh.
Like
© Copyright 2015 BasuNivesh · All Rights Reserved · Privacy Policy | Copyright and Disclaimer | Hosting and Customization by Best
Hosting And Design.
top related