Invest in Gold Or MF

POSTED BY Parag Shah ON May 26, 2011 11:27 am COMMENTS (5)

Dear All,

I am getting “50 K” as a bonus from my company. I want to invest this money at least 15 yrs. currently market is down so I think to invest this money as lump sum amount in good Diversified Mutual Fund. But my wife suggests buying gold of this money. So please help me; which am good investment. And If MF is Good option then suggest me good diversified schemes

5 replies on this article “Invest in Gold Or MF”

  1. rakesh says:

    Agree with Ramesh, If you have no knowledge of stocks then MF is the best route.
    Over long period of time you will get good returns.


  2. Ramesh says:

    Put the money in a Single equity oriented MF.
    eg. HDFC Equity / Templeton India Growth / Quantum Long Term equity / IDFC Premier equity fund.

    No gold / No commodities / No direct stock investing, will be my advise.

    (KISS principle).

    1. Parag Shah says:

      Dear Ramesh, Rakesh, Chetan thanks for reply. I also think same. Thanks again for valuable time.

      1. Ramesh says:

        @ Parag,

        But our reco are different. How can you agree to both of us. 😉

  3. Parag:

    Gold has shown good returns over the last decade (not sure of the exact percentage but somewhere in the range of 20% Annual returns year on year). Equity Mutual Funds like HDFC Top 200 have also shown good returns over the last decade. Next fifteen years for India are being projected as the Golden Years for the Indian Economy with annual growth rate projected at 9% per annum.

    I would like to split the investment into three parts:

    Rs. 15,000 + Rs. 15,000 + Rs. 20,000.

    I would invest Rs. 15,000 in Gold. Rs. 15,000 in equity Mutual Fund like HDFC Top200 and Rs. 20,000 in direct equity. Rs. 20,000 in direct equity in a stock like ITC.

    Best Regards and happy investing.

    – Chetan Thakkar.

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