Best funds to invest

POSTED BY Kshama ON June 11, 2012 5:59 pm COMMENTS (7)

Can you please suggest best funds to invest in SIPs?

Also I have current investments in Birla Sun Life Frontline Equity Fund Plan A -Growth, DSP BlackRock Equity Fund – Regular – Growth, DSP BlackRock Micro Cap Fund – Regular Plan, HDFC TOP 200 FUND – GROWTH, ICICI Prudential Discovery Fund – Growth, RELIANCE REGULAR SAVINGS EQUITY FUND – GROWTH OPTION, HDFC PRUDENCE FUND-Growth, HDFC EQUITY Fund- Growth, SBI-Magnum Sector Funds Umbrella Contra-growth.

I had stopped SIPs due to financial crisis. Now the fund is lying as it is (of course the value is gone down) in above mentioned. Do you suggest to stay invested in those funds or start systematic Withdrawal n re-investment in some other good funds?

Thanks in advance for your valuable time and input.

7 replies on this article “Best funds to invest”

  1. Kshama says:

    I am really thankful to this site through which i could get so much knowledge & guidance through experts.

    I can’t thank enough to Mr. Ramesh for all his guidance, & most importantly for the time & efforts he put in understanding my portfolio & providing me great insight.

    I am working on restructuring my portfolio & making it easily manageable.

    Thanks once again Ramesh 🙂

  2. Dear Kshama, may know what type of financial crisis it was. In indicates you are falling short on your emergency funds. Instead of churning your portfolio & switching from here to there. Instead focuss on how to increase your emergency fund.

    I do hope dear Ramesh is already providing you a suitable answer through personal mail.



  3. Kshama says:

    I have emailed you details on your hotmail id. Please check & revert.

    1. Ramesh says:

      Ok. Give me some time.

  4. Kshama says:

    Thanks Ramesh for your revert. So can you suggest from which of the above to withdraw and in which of them i should start re-investing?

    1. Ramesh says:

      Please provide some answers to other queries which I posted, so that a better solution canbe provided.

  5. Ramesh says:

    9 funds are too much. Better to trim them down to a manageable number. Which depends upon your total amount and other things. Stopping SIPs because of financial trouble means a mismatch in your financial setup (eg, lack of emergency fund). You need to take into account such things for future as well.

    These funds per se are good (even if their values are down).

    There is no point in removing from one equity fund to another.

    You need to give more details regarding the nature of the financial trouble (you need remedy for that too), insurances, your age, goals etc.

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