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POSTED BY ON May 5, 2011 7:46 am COMMENTS (3)
Hi All,
Request you to put your valuable comments about the best investment strategy for Debt as well as Equity products?
For example:
POMIS ( post office monthly scheme) + RD ( recurring deposit )is a good strategy of investment for Debt prodcuts with no risk.
Please comment your inputs!
The idea is to explore the knowledge for all’s benefit. Please put your thoughts / suggestions.
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Regarding debt, remember you need to consider your return post-tax and inflation. Yes, it is a safe heaven but I would suggest to divide your debt portfolio in post office, Gold & FMP. If you’ve taken any ULIP, you can switch some funds to debt funds there to get tax-free returns.
Regarding Equity, my suggestion will be balanced fund if you’re new in mutual funds; otherwise equity diversified funds are better. Remember to have atleast 5 years of time horizon and always invest via SIP mode.
Some good schemes are:
HDFC Prudence Fund
HDFC Top 200 Fund
Reliance Regular Savings Fund – Equity
etc.
Hope it will help you.
InvestmentKit.com
I understand the risk and reward in each of the category.
Here I am looking for optimization of method / product combination to yeild maximum gain in each category. it could be single or mix or multiple products or just diferent methods.
I like the SIP idea.
Please suggest some more methods.