POSTED BY March 27, 2012 1:09 pm COMMENTS (2)
ONHi
Is it advisable to invest lump-sum amount (say rs 100000) in SWP plan and start SIP from the withdrawn amount on monthly basis.
I did calculation of using one onlint tool (http://www.mutualfundsindia.com/swp_calculator.asp). I found that using this method 15% return can be generated.
My risk profile is medium. I a looking for alternative for Bank FD. Tenure is 1 year.
Thanking you in anticipation.
Best Regards,
Shailesh
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Dear Shailesh, if the time frame is limited to just 1 Y, please do not inest at all in an Eq. fund either by SIP or STP. Keeping in your medium risk profile in mind, I w’d ask you to invest 50K in bank FD & another 50K in Birla Dynamic Bond fund.
Thanks
Ashal
Hi Shailesh,
If you have a tenure upto 1 year, you can opt for the following mix :
1. Around 50K into FMP of 1 year duration;
2. 25-30K into BSL Dynamic Bond Fund. With interest rate cycle to be on a downturn, such fund would give good return over 1 year cycle;
3. Park remaining fund into Liquid funds.
If the objective is 1 year, I would avoid investing into Equity mutual funds by SIP or any other way.
Regards
BFA