Best SIP Plans to Invest in 2018 in India

We’ll list down few best SIP plans to consider investing in new year 2018. But before that lets get some concepts clear about the SIP itself.

Increased awareness about the SIP will help a person to invest more wisely in mutual funds via SIP route.

In order to make schemes attractive and affordable for small investors, mutual fund companies offers SIP Plans.

What makes SIP plans best is the convenience with which one can buy units of mutual funds.

In the past decade, SIP plans have really become popular among people in India. Not only beginners, even experienced investors prefer to invest in equity through SIP route.

SIP plans are super hit with small investors. What makes SIP so popular? They are affordable and convenient for the investors pocket.

Systematic investment plans (SIPs) allows investors to invest gradually in mutual funds. Gradual investment, coupled with the benefit of compounding makes SIP one of the best long term wealth building option.

What we mean by gradual investment?

SIP is being referred as gradual because, big amounts are not used to buy mutual fund units at a time. Instead, smaller amounts are gradually invested month after month to accumulate units at a slow pace.

Though the accumulation process is slow, but it is a very sure way to gather units, without fail, every passing month.

What makes SIP Plans the BEST?

What is Systematic Investment Plan (SIP)SIP is a great alternative to BIG lump-sum investment.

Given a choice, every one will like to invest money and make profits. But due to the two big bottle necks people refrain themselves from investing. The bottle necks are: (a) Lack of funds and (b) Lack of investing know-how.

Systematic Investment Plans (SIPs) offered by mutual funds helps its investors to completely remove both the bottle-necks excellently.

SIP in mutual funds, allow small investors to invest smaller amounts under supervision of expert fund managers.

SIP can start from as low as Rs 500/month to any amount as per investors convenience.

This makes it extremely convenient for anyone to participate in the investment process.

Moreover, the probability of losing money in SIP is also smaller. How? The invested money gets sprayed and is also well diversified.

We will see how SIP helps in spreading and diversification of funds.

At the moment, lets digest this idea first that, investing small-small amounts systematically each month, under expert supervision, makes SIP a great investment vehicle.

The only care one should take after buying units through SIP is, to stay invested for long term.

Why not invest directly in stocks?

Investing in equity through SIP is ideal for beginners. Why?

Direct investing in stocks has its own advantages and disadvantages. But for small investor, who lacks expertise, disadvantages are more dominant.

Direct equity investing demands time and knowledge from investors.

Investing indirectly in stocks through SIP route is best for people who do not have time to research individual stocks and then invest in it.

For such people, indirect investing in equity, through good SIP plans, is most likely to make more money than direct stock investing.

Systematic Investment Plan Calculator

Monthly Contribution(In INR)
Interest Per Annum (%)
Time (in years)

SIP Appreciated Amount(In INR)

Compounding of money by SIP Plans

Systematic investment plan is an excellent way to build large corpus gradually.

In order to understand the advantage of SIP, lets take simple examples.

Consider that one can spare just Rs 1/month for SIP. We can use a magic table to evaluate the level of returns.

Rs 1/ Month 3Yrs 6Yrs 9Yrs 12Yrs 15Yrs
8.0% 40 92 158 242 348
10.0% 42 99 175 278 417
12.0% 43 105 194 322 504
14.0% 44 113 216 374 612

Les see how to read the above table through the below examples:

Yield @8% per annum, Investment Horizon: 3 years

Investing Rs 1/month, @8% p.a., for next 3 years, will build a corpus of Rs.40 (use the above SIP calculator).

Rs.1/month becoming Rs.40.

Using the same multiplying factor, SIP of Rs.500/month (1 x 500) will become Rs.20,000 (40 x 500).

Yield @10% per annum, Investment Horizon: 6 years

Investing Rs 1/month, @10% p.a., for next 6 years, will build a corpus of Rs.99.

Rs.1/month becoming Rs.99.

Using the same multiplying factor, SIP of Rs.800/month (1 x 800) will become Rs.79,200 (99 x 800).

Yield @12% per annum, Investment Horizon: 9 years

Investing Rs 1/month, @12% p.a., for next 9 years, will build a corpus of Rs.194.

Rs.1/month becoming Rs.194.

Using the same multiplying factor, SIP of Rs.1,200/month (1 x 1200) will become Rs.2,32,800 (194 x 1200).

Yield @14% per annum, Investment Horizon: 15 years

Investing Rs 1/month, @14% p.a., for next 15 years, will build a corpus of Rs.612.

Rs.1/month becoming Rs.612.

Using the same multiplying factor, SIP of Rs.1,500/month (1 x 1500) will become Rs.9,18,000 (612 x 1500).

Example of gradual ‘Units’ accumulation using SIP

Best SIP Plans to Invest _ units accumulationLes see how units are accumulated using SIP by means of an example:

# First Month – Aug
  • SIP amount: Rs.2000.
  • NAV: 51.8470
  • Units purchased: 38.575 (2000/51.847)
# Second Month – Sep
  • SIP amount: Rs.2000.
  • NAV: 55.6328
  • Units purchased: 35.95 (2000/55.6328)
# Third Month – Oct
  • SIP amount: Rs.2000.
  • NAV: 55.7839
  • Units purchased: 35.853 (2000/55.7839)

# Twelfth Month – July
  • SIP amount: Rs.2000.
  • NAV: 73.9607
  • Units purchased: 27.041 (2000/73.9607)

This way, each month SIP bought specific number of mutual fund units for its investor. By the end of the 12th month, total number of all units purchased in last 1 years is 397.989, having a market value of Rs.29,436.

Invested value was Rs.24,000. Appreciated value is Rs.29,436. The gain happened anyhow irrespective of the fact that in between months NAV of mutual was very volatile.

There is a very important point to note here:

The quantity of units purchased was dependent of the NAV.

When NAV was higher, less number of units was purchased. See between starting months Aug (NAV: 51.847, Unit: 38.575 nos) and Sep (NAV: 55.6328, Unit: 35.95 nos).

When NAV was lower, more number of units was purchased. See between the months Dec (NAV: 60.0082, Unit: 32.29 nos) and Jan (NAV: 58.1113, Unit: 34.417 nos).

This is what can be remembered as advantages of spreading the investment fund in span of 12 months.

How this is an advantage?

See, when NAV is high (expensive), SIP amount of Rs.2000 is buying less units. This is also logical. When price of Onion or Tomatoes rise, we buy less of them, right?

Similarly when NAV is low (cheap), SIP amount of Rs.2000 is buying more units.

Lump Sum Investing Vs SIPBest SIP Plans to Invest _Lump Sum Vs SIP

Condition 1 (NAV is only rising):

NAV of mutual fund is bullish. During the course of time (say 4 months), the NAV of mutual fund rose from Rs.10 to Rs.28.

In this case lets see, which investing style is better, lump-sum or SIP?

Lump Sum: Investment amount Rs.8,000. Number of units purchased 800 (8000/10). Market value of the held units at the end of 4th month is: Rs.28 x 800 = Rs.22,400.

SIP: Investment amount Rs.2,000/mon (for 4 months). Number of units purchased 452 [200 (2000/10), 100 (2000/20), 80 (2000/25), 72.428 (2000/28)]. Market value of the held units at the end of 4th month is: Rs.28 x 452 = Rs.12,656.

At the end of 4th month, market value of units are as follows:

  • Lump sum: Rs.22,400
  • SIP: Rs.12,656

In this case, when NAV is only showing a rising trend, lump sum investing will be more profitable.

Condition 2 (NAV first falls and then recovers):

During the course of time (say 4 months), the NAV of mutual fund fell from Rs.23 to Rs.12, and then rose to Rs.30.

In this case lets see, which investing style is better, lump-sum or SIP?

Lump Sum: Investment amount Rs.8,000. Number of units purchased 347.826 (8000/23). Market value of the held units at the end of 4th month is: Rs.30 x 347.826 = Rs.10,434.

SIP: Investment amount Rs.2,000/mon (for 4 months). Number of units purchased 420.29 [86.96 (2000/23), 166.67 (2000/12), 100 (2000/20), 66.667 (2000/30)]. Market value of the held units at the end of 4th month is: Rs.30 x 420.29 = Rs.12,608.

At the end of 4th month, market value of units are as follows:

  • Lump sum: Rs.10,434.
  • SIP: Rs.12,608.

In this case, when NAV is volatile (going up and down), SIP plans will be more profitable.

Important to note here is that, in real life scenario Condition 2 is prevalent. Condition 1 is a rare phenomenon.

Hence, we can safely conclude that, SIP plans will prove better in normal times.

Recurring Deposit (RD) Vs SIP

Some thoughtful person questioned, why invest in SIP when a much safer investment option like Bank RD is around?

The answer is linked with potential investment returns.

Recurring Deposit is more of a saving option (debt based plans). Long term returns of a bank RD will be very low compared to SIP.

SIP allows small investors to invest in equity.

[P.Note: Though SIP in debt linked mutual funds are also available. But in this example, we are pointing mainly at SIP in equity linked options]

Long term return of equity is better than debt linked plans.

Though returns of equity (SIP) is volatile in short term, but in long term, profits are almost assured. SIP can give very high returns.

On one side we have RD whose returns are assured, but its ROI is low. One other hand we have equity SIP whose returns are volatile, but its ROI is high.

So an an investor, what we must choose?

Depending on ones available time horizon, suitable investment option can be selected.

When time horizon is longer than 4/5 years, SIP plans will be better. When time horizon is shorter than 4/5 years, bank RD will be better.

SIP in equity fund will buy one ‘units’. These purchased units must be held for a period not less than 4-5 years.

In short term, NAV of SIP will be volatile. Hence chances of loss in while redeeming the units will be very high.

But when units are held for 4-5 years, growth will be assured.

Be careful about the returns from SIP…

This is a very common question. What will be my return in SIP?

A common answer will be, go and check in moneycontrol.

But in the context of SIP plans, it is essential to elaborate a little bit more about the potential returns on can earn in a SIP Plan.

This has confused me for all my initial years, hence I thought it to be prudent to put-up a good explanation here for my readers.

What is the confusion?

I just went to moneycontrol and used their SIP Return Calculator. I took example of a HDFC Balanced Fund (G), to see what returns I would have earned had I invested in this mutual fund (through SIP), from 01-Jan-2013.

See the result.

Best SIP Plans to Invest _HDFCBalancedFund(G)

Investment return highlighted here is 18.78% per annum. This value is very misleading for a beginner. I will tell you how.

The example that I have considered here is like this:

  • SIP amount = Rs.1000/month (1000×60 = Rs.60,000)
  • Time horizon = 5 years (5×12 = 60 investments)
  • Units accumulated in 5 years = 642.65 nos.
  • Market Value as on 4-Dec’17 = Rs.96,488.13 (@NAV: 146.964)

What does these value tell us?

As an investor, we will look only at the hard facts, which is, how much the money grew in 5 years?

Money grew from Rs.60,000 to Rs.96,488 in 5 years.

It means, Rs.60,000 grew at rate of 9.97% to become Rs.96,488 in 5 years. This is the way my excel sheet calculated the returns for me….

Best SIP Plans to Invest _HDFCBalancedFund2So now we have two values for returns. One is from moneycontrol and other is the fool-proof excel sheet.

  • Moneycontrol : 18.78% p.a.
  • Excel Sheet : 9.97% p.a. only.

Which is right?

Before we go into the argument of which is right, please note this fact that the invested money is growing only at the rate of 9.97% per annum.

No matter how strong will be my argument now to prove that moneycontrol’s value is also right, the crux of the matter is, the invested money of Rs.60,000 is not growing at 18.78% per annum. Period.

So now you know this fact.

When a website whose SIP calculator will show you a return like 18.78% per annum, you know that what you will actually get is about half of it (9.97%).

The reason for this ambiguity is “investment in instalments”. Please note that Rs.60,000 has not been invested all at once.

So what?

It makes a big difference. The invested money (Rs.1,000/month) earned difference effective returns as stated below:

  • 18.78% – for money invested in the 1st month. It stayed invested for 60 months.
  • 18.44% – for money invested in the 2nd month. It stayed invested for 59 months.
  • 18.15% – for money invested in the 3rd month. It stayed invested for 58 months.
  • .
  • .
  • 0.94% – for money invested in the 58th month. It stayed invested for 3 months.
  • 0.62% – for money invested in the 59th month. It stayed invested for 2 months.
  • 0.313% – for money invested in the 60th month. It stayed invested for 1 month.

Hence, not all our money earned the same return. The effective return was only getting lower and lower with passage of time. This is the reason why the net effective return came down to 9.97% from 18.78%

A person who invested all Rs.60,000 in the first month itself, will earn a return of 18.78% and not his/her SIP fellow, who is investing partly every month.

But do not be disheartened by this realization. In fact, take this as a small compromise for the convenience that SIP provides us.

Consider this, if I am not able to run a half-marathon, I have two choices with me. Either I can stay home and not take part in the race at all, or I can decide to walk all 21 kilometres. When the exercise is tough, taking a back seat is easy. But difficult is to motivate oneself to be a participant and do it anyways. How one acts even after having some limitations is what makes him/her the person he/she is. Best example: Stephen Hawking.

Investing through SIP is like that. One must take part in Race first. SIP helps the person to ignore their limitation of, not able to ‘time the market’ or lack of ‘know-how’ and still invest.

I strongly believe that, had there been no tool like SIP around, probably 80% people who are investing today, would have not boarded the investment-bus all together.

No excuse of “not investing” when SIP is around

People often give excuse that “I do not have enough money & time for investment”.

Monthly contribution required to start a SIP can be as low as Rs.500/month. So the money constraint is removed.

SIP invests money automatically without SELF intervention. So time constraint also gets eliminated.

Advantage of compounding of money can be seen clearly in SIP, specially when horizon is long term.

When I was younger I did not used to invest money. But SIP built that ‘investment habit’ in me.

Not investing is a bad habit one must avoid it under all circumstance.

Recurring deposit and SIP’s allows one to get rid of this bad habit in a very easy way.

SIP in Mutual Funds Vs SIP in Stocks

Yes, SIP in individual stocks is also possible.

But here the risk is higher than mutual funds.

A mutual fund portfolio consists of mix of several stocks. When one stock price falls its negativity can be balanced by the others.

But SIP in individual stocks cannot offer this balancing act (diversification).

I consider both as a great tool to accumulate equity (gradually in long term). SIP allows us to buy stocks/funds systematically.

The act of automatic buying is done through E.C.S. If we can accumulate equity like this, there can be nothing better.

Now the question arises; when it is possible to buy stocks directly (with SIP) why to pay extra charges to mutual funds?

There can be several justification in favour of mutual fund SIP. But I will provide the one which is most important.

When we invest in funds through SIP we need not bother about quality of stocks we are accumulating.

This is responsibility of the mutual fund manager. This is for what we pay them extra charges.

Easiest way to start a SIP Plan…

If one has an online trading account then starting SIP becomes easy. Lets take an example of how AxisDirect can help to start SIP. The procedure is simple.

Step1 is to select the AMC. In our example I have selected HDFC ASSET MANAGEMENT CO. LTD.

Step2 is to select the category of mutual fund. In our example I have selected EQUITY linked mutual fund.

Step3 is to select the Sub-Category of mutual fund. In our example I have selected DIVERSIFIED EQUITY fund.

Step4 – After entering 3 main parameters, click the ‘Magnifying Glass’ under Scheme Name. This will open a new pop-up window which which will show all fund under the said sub-category. Select your preferable scheme. In our example I have selected HDFC PREMIER MULTI-CAP FUND-GROWTH.

Step5 – is to select the monthly SIP amount & date start date of SIP. Period is months must also be confirmed. If one selects a period of 60 months, it means the SIP will continue uninterrupted for next 5 years.

Once done clicking on SUBMIT button SIP starts.
SIP (Systematic Investment Plan)

SIP (Systematic Investment Plan)

Final Words…

By merely investing Rs 1,000/month, @9.2% p.a, can build Rs 2.0 Lakhs in 10 years.

Same SIP amount will build Rs 6.9 lakhs in 20 years, @9.2% pa.

Investing Rs 1,000/month, @9.2% p.a, can build Rs.18.55 lakhs in 30 years, and Rs.44 lakhs in 40 years.

From these figures we can understand that, the more time we give to SIP, the bigger will be the corpus.

Jack and Peter are two friends. Both are 22 years of age. Jack decided to start a SIP to fund his after-retirement life. He started with a decent sum of Rs 2,500/month in diversified equity fund. A good diversified fund, generating an average return of 15% p.a., in a time span of 38 years, can build a corpus of Rs.5.8 Crore.

Jack Rs 2,500 monthly investment Accumulated Savings Rs 5.8 Crore At 60 years of Age (in 38 years)
Effect of Inflation…

To understand what is the present value of Rs.5.8 crore, lets discount it with the rate of inflation.

Assuming that the average rate of inflation for next 38 years will be 6% per annum. Present value of Rs.5.8 Crore is 98 Lakhs.

What does it mean,?

98 lakhs (today) = 5.8 Crore (after 38 years).

So question that jack must ask here is, in todays term having Rs.98 lakhs as savings is good for retirement?

In most cases, for a middle class Indian, retiring today with close to Rs.1.0 crore as retirement fund should be enough.

Now lets see the case of Peter. 

Peter realized the importance of saving and investing for retirement only 5 years later (at age of 27).

He began investing with the objective of accumulating Rs 5.8 crore. Peter must accumulate Rs.5.8 Crore by time he is 60 years of age. But in order to do it, he has only 33 years in hand. He must contribute a sum of Rs.5,3000/month in SIP. A good diversified fund, generating an average return of 15% p.a., in a time span of 33 years, can build a corpus of Rs.5.8 Crore for him.

Peter Rs 5,300 monthly investment Accumulated Savings Rs 5.8 Crore At 60 years of Age (in 33 years)

Peter regretted and cursed himself for starting to invest late. Why?

See, Jack is investing only Rs.2500/month to build a corpus of Rs.5.8 Crore. While Peter has to invest more than double (Rs.5,300) to build a same corpus of Rs.5.8 Crore.

Why this happened? Because Peter started 5 years later than Jack.

So if you also want to become a crorepati by the time you retire, start investing now. Systematic Investment Plan (SIP) can be the best tool to reach the crorepati landmark.

Best SIP Plans of 2018 in India

These are top ranked mutual funds of India. Starting a SIP in these funds can be very profitable in long term
(Updated as on December’2017)

SL Mutual Fund Star Rating of VR Units (Nos.)* Current NAV (Rs.) Current Market Value (Rs.) Effective Returns (SIP-5Y-%) Lump Sum Investment Return (5Y)-% Net Assets (Cr) Expense Ratio (%)
1 SBI Small & Midcap Fund 5 2,700.30 58.3382 157,530.64 21.29% 35.80 808.18 2.33
2 Mirae Asset Emerging Bluechip Fund - Regular Plan 5 2,606.33 50.305 131,111.43 16.92% 30.12 4,819.87 2.45
4 L&T Infrastructure Fund 5 6,711.01 18.06 121,200.84 15.10% 22.40 967.47 2.37
3 Franklin Build India Fund 5 2,757.81 42.4396 117,040.35 14.30% 26.38 1,129.78 2.66
5 ICICI Prudential Banking and Financial Services Fund 5 1,909.80 59.85 114,301.53 13.76% 21.84 2,728.09 2.36
6 Aditya Birla Sun Life Advantage Fund 5 249.37 430.67 107,396.18 12.35% 21.80 4,904.10 2.29
7 Aditya Birla Sun Life Tax Relief 96 5 3,437.01 30.68 105,447.47 11.94% 21.42 4,266.07 2.31
9 SBI Magnum Multicap Fund 5 2,210.78 46.491 102,781.37 11.37% 20.50 3,468.33 2.04
10 Mirae Asset India Opportunities Fund - Regular Plan 5 2,194.01 46.262 101,499.29 11.09% 20.22 5,231.82 2.44
11 Invesco India Growth Fund 5 3,050.71 31.5 96,097.37 9.88% 18.09 244.43 2.56
12 SBI Bluechip Fund 5 2,506.47 37.3509 93,618.91 9.31% 17.88 16,480.46 1.97

* Total number of units accumulated over a period of 5 years through Systematic Investment Plan (SIP)

Disclaimer: All blog posts of are for information only. No blog posts should be considered as an investment advice or as a recommendation. The user must self-analyze all securities before investing in one.

48 Comments on "Best SIP Plans to Invest in 2018 in India"

  1. Hi Mani,

    Excellent article on SIP.

    I have one query ,pl. suggest

    I wish to invest Rs 25000/- ( Two SIPs ) for accumulation of fund for marriage of my son.Investment period is 4 years. For Equity fund it should have 5 or more years. For 3 years or less ,we consider debt funds.I am planning for 4 years.
    Shall I invest in Debt funds or Large Cap equity funds or small cap equity fund or Balance fund or Debt fund.
    My age is 51 years.
    Pl. Inform me the category of mutual fund I should invest & Name of top rated funds in the category.

  2. Anand Radhakrishnan | December 10, 2017 at 1:38 pm | Reply

    I am 43 now. Want to take early retirement by 53yrs. I have 8 yr old daughter. How much should I invest month in SIP to generate 50 lac for her marriage, 50 lac for her study, 50 lac as retirement corpus. So total 1.5 Cr corpus by 53 yes.

  3. I am invest Rs. 1000/pm for next 16 years. Please give me some better ideas which share is profitable.

  4. Hi Mani,
    I was just googling how to earn 1 crore by Investing in SIP and found this amazing article. People should now invest in SIP for long term instead of searching multibagger stocks. SIP seems practical while multibagger stocks are uncertain.
    Thanks for sharing, keep posting similar stuff.

  5. I want to invest 500000 in Axis long term equity growth for 3 yr. how much will be the return

  6. christopher Kisku | February 26, 2017 at 11:32 am | Reply

    I want to invest Rs 500 per month for 5 years . Please, give me some ideas .

  7. I want invest 2500 to 10 years in sip please give idea

  8. I want invest 250 to 10years in sip,what i do??

  9. Dear Sir,

    By hdfc i have taken a 2000/- sip od three years but know i know that my sip will close after 3 tears. in this scheme my grought was not good. so that lamsum amount we leave in account.Can i transfer all amount in diffrent good sip if yes please guide me.

  10. Sir, I have been investing in HDFC Mutual Fund from last 4 years. I still have 1 year left since it is a 5-year SIP. By the reports, it is stated that the performance of this MF is relatively weak and suggested to switch to some other fund. How can I do that? Can I stop investing in HDFC with still 12 months left? If I want to invest in another MF, is there an option to take a 3-year SIP? Please suggest me.

  11. Nizarali Mahesania | September 16, 2016 at 9:46 pm | Reply

    Sir, from where we get CRISIL rating and high AUM of best mutual funds

  12. Birla Sunlife Frontline Equity Fund – Growth Option is the best scheme for SIP.

  13. Really nice written article….

  14. Pls suggest me at my number 09904346862

  15. Hi Gabbar,

    I want to invest 5k sip per month for 3 years…please suggest me some good funds which can give good returns for 3 years period. I can take some risk also. My goal is to take a car after 3 years

    Regards ,

  16. sikander shokeen | July 29, 2016 at 9:25 pm | Reply

    I want to start sip best retruns and no risk and high retruns please contact me mobile no 7873408536

  17. Ram Krishna Pandey | June 27, 2016 at 10:36 pm | Reply

    Nice article !

  18. I didn’t know anything about Systematic investment plans (SIP) before reading this article. The author has explained the concept well. I have been always interest in small investments and SIP seems to be a perfect option. Those who are just stepping into the world of investment should try their luck with SIP as it is safest option we got.

  19. WaNT to invest in SIP a max of Rs 10000. for say 3 or 5 years. Pls suggest the best fund

  20. Systematic Investment Plans(SIPs) enable investors to make investments in mutual funds gradually. What makes SIP a popular option among small-time investors is that they have the benefit of gradual investment along with the benefit of compounding. Small investors can buy mutual fund units by making small investments on a monthly basis.

  21. mujhe 1000 rs. ka sip karna 20 years ke liye kisme karu aur kitna return approx. milega aur agar mujhe kuchh ho gaya mai dunia me nahin raha to mere paise ka kya hoga please tell me.

    • Choose a top CRISIL rated diversified equity mutual fund.

      During starting of SIP, you can choose a nomination.
      The nominee will get all the money in your behalf.

  22. Hello. Sir
    Me 1year ke liye mutual fund me invest karna chahta hu par month 500 rupis tho muje best return wala plain suggeste kariye plss .sir

  23. ashish v lathkar | October 17, 2015 at 9:58 pm | Reply

    I want to investment of 25000per month through sip for 10 years. Please suggests me best mutual fund company. My goal is 1crore rupees.

    • I am confused ,it will be my first SIP,from CRISIL top fund list i can not decide in which fund will be best for me. I am 41Yr.,F, want to invest very small amount as SIP in various fund for 15-20 Yr’s , please suggest me.

  24. my age 28 I am invest sip 10years 6000 per month
    pleez advice which mutul funds the best 2015

  25. Hi, I’ve invested in stocks, MF’s, gold, etc in the past. Due to certain change and demand of high investments elsewhere, I had to pull out all my investments and direct them elsewhere. I once again intend to start my investments in MF’s (SIP) as a starting point. Need suggestions on top 3-5 MF’s to invest in.

  26. Hi

    Needed your suggestion on my current MF portfolio and future plan:

    Current- Total Rs 10,000 monthly

    1) HDFC Top 200- Rs 2500
    2) HDFC Prudence- Rs 2500
    3) HDFC Balanced- Rs 2500
    4) IDFC Premier Equity A- Rs 2500

    Going forward- plan is to invest Rs 25,000 monthly. Investment horizon atleast 20 years- I am 34 now.

    a) Are the above MFs ok? HDFC Top 200 has been a laggard- should I continue or stay invested?

    b) I understand I am invested in two balanced funds- hdfc prudence and hdfc balanced- should I exit one or continue investing in both? Should I increase my contri?

    c) If I look at HDFC Top 200, balanced and prudence- am I right to say that I am overinvested in large caps ( ignoring the debt allocations of large caps) and trying to overheadge myself? I am 34 years now

    d) I like HDFC stable- moreover I am an NRI and already created HDFC Direct account- so easier to open a new SIP through HDFC- am I being foolish by investing only in HDFC AMC?

    e) I am planning to invest additional Rs 15,000 per month in SIPs and I am building a retirement corpus. Would adding more large cap and mid cap fund be good? my plans are as follows:

    Additional Rs 15,000 SIP monthly

    1) HDFC Midcap- Rs 2500
    2) Sundaram Select Midecap- Rs 5000
    3) Franklin bluechip- Rs 2500
    4) Any others (including increasing SIPs in exisiting MFs….would like to add varied and
    MFs which divrsify my porotfolio and gives aggressive returns….)- Rs 5000
    5) For debt- I am looking at PPF + NRE fixed deposits 1-2 years (both tax free)- should I consider liquid/ short term debt mfs?


  27. Hi,

    I am 30 yr old married guy and having 3 Month old daughter. I earn 80k Per month and having below investment

    Term Insurance – HDFC Click2Protect Plus of 1 Cr (Taken Last month)
    LIC Whole Life Plan -(Taken in 2012) Premium around 24K/yr for 12 yrs to get 40Lac at Age 79.
    Health Insurance – ICICI PruLife Health Saver Plan for 5L per Year for Me, Wife and Baby.

    PF – Around 45000 per Annum + Equivalent Employer contribution (Since last 1 Yr)

    HL – around 4Lac pending. It will be cleared by June 2016.

    SIPs investment of total Rs. 8000/- per Month as below (All are planned for long term for around 20yr considering daughter’s education and marriege)
    On my name
    1) UTI midcap fund (G) Rs. 2000/- (From last 5 yrs)
    2) ICICI Tax Plan Regular (G) Rs. 2000/- (from last 2 Month)
    3) DSP Black Rock Tax saver fund Reg (G) Rs. 2000/- (from last 2 Month)
    On Wife name
    1) ICICI Pru value Discovery Reg (G) Rs. 1000/- (From last 4 yrs)
    2) HDFC Equity fund (G) Rs. 1000/- (From last 5 yrs)

    Please suggest on above investments and what kind of additional investment planning/modification should I do and where ?

  28. Hi. I am 27 years old.I have decided to invest Rs 10000 in 4 mutual funds( Rs 2500 each) (all growth funds) for 15 years.. is it a good move? What will be my approx maturity amount?? My funds are ICICI pru focused blue chip fund, hdfc top 200, ICICI dynamic growth and Birla sun life growth fund.. thank you

  29. Rameshwar Tarachand Wagh | April 5, 2015 at 1:09 pm | Reply

    Dear sir, I like your blog. I have already invest in four sip schemes. First sip schemes sbi Contra fund growth option in the year 2008 of rs 1000 pm upto till date. I really benefitted from it. Now in this year I again purchased three more sip schemes. two schemes of SBIMF emerging business fund and magnum equity fund of rs 1000 each pm.and fourth scheme ICICI prudential MF in Value Discovery Fund of rs 1000 pm. Sir, I would like to invest money in sip schemes for another best schemes for long term investment. Also suggest the difference between direct option and indirect option. Waiting for your reply

    • All mutual funds has 2 types of plans.
      One is Regular Plan (bought through agents) – Expense ratio is comparatively higher
      Other is Direct Plan (not bought through agents) – Expense ratio is comparatively lower

  30. Thank u Manish

  31. Thanks for ur valid information about SIP.

    I have one doubt choosing the SIP for long term plan,
    For long term SIP investment, which one is best Dividend reinvest plan or Growth plan?

    Advance Thanks

  32. great article. It will really help me in future

  33. Verghese Stephen | September 22, 2013 at 11:31 am | Reply

    I want to invest Rs. 1 lac each in 5 different SIP’s for 20 years.
    The total monthly investment in SIP’s would be Rs. 5lacs.
    Which SIP’s would you suggest?

  34. Rainier Fernandes | August 19, 2013 at 8:26 am | Reply

    Hi! I am 40 yrs old having a 1yr old baby wants to invest at least 2000 in SIP. Can you suggest the best investment plan which will be locked up for 20 years. This will be started from Jan 2014. Kindly advise.
    Rainier Fernandes

  35. investment plans | October 4, 2012 at 9:49 am | Reply

    nice article about finance and investing,

  36. Hi! I stumbled across this site through accident. Your article was an excellent read for somebody who doesn’t understand anything about finance or investing. Although, I would like to ask you a question.. I am about to be 29years old now. I have 2 debts – a credit card (60k) and a loan from a friend (60k). How do I take my life forward?

  37. Virgilio Tepezano | July 12, 2012 at 12:36 pm | Reply

    Excellent read, I just passed this onto a friend who was doing some research on that. And he just bought me lunch as I found it for him smile Therefore let me rephrase that: Thank you for lunch!

  38. I want to start monthly investment plan
    Plz contact me

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