Debt fund selection

POSTED BY rajan.panchal24 ON May 27, 2012 10:45 pm COMMENTS (6)

Hi All,
I have started SIPs in ICICI pru tax plan and HDFC tax saver last year and now i want to introduce debt component in my portfolio.There are many different type of debt mfs like gilt, income, fmp, etc. i am not sure out of these which one to go for. I want to invest Rs.2000/- per month and my investment horizon is 1-2 years as I need this money in near future.
Value research suggest below schemes:

Fund NAV (Date) Returns(%) Return as on
Sahara Short Term Bond 13.14 (25-May) 14.50 5/25/2012

Baroda Pioneer Gilt 16.89 (25-May) 13.71 5/25/2012

Escorts Income 35.30 (25-May) 13.51 5/25/2012

Kotak Gilt Investment PF & Trust 37.65 (25-May) 12.70 5/25/2012

Kotak Gilt Investment Regular 36.87 (25-May) 12.70 5/25/2012

IDFC GSF PF Plan B 17.76 (25-May) 12.58 5/25/2012

IDFC GSF Investment Plan B 12.13 (25-May) 12.41 5/25/2012

IDFC Dynamic Bond Plan B 12.67 (25-May) 12.30 5/25/2012
SBI Dynamic Bond 13.37 (25-May) 12.30 5/25/2012

IDFC GSF PF Regular 17.47 (25-May) 12.18 5/25/2012

but i am not sure which ones are consistent performers.. please advice.
thanks.
Rajan

6 replies on this article “Debt fund selection”

  1. rajan.panchal24@gmail.com says:
    May 28, 2012 at 12:41 pm

    Thanks ashal..

    Reply
  2. rajan.panchal24@gmail.com says:
    May 28, 2012 at 10:17 am

    Im in lower tax bracket. Its not fixed that i will withdraw the invested money in an year or two. But I want investment to be liquid and doesn’t want to lock it..
    FYI i have started an RD three months ago of Rs. 5000/- P.M for 15 months

    Reply
    1. Ashal Jauhari says:
      May 28, 2012 at 12:38 pm

      Dear Rajan, as you are already investing in RD & considering the fact that you are in lower tax bracket but unsure of your actual holding period, you may invest in Kotak Gilt Investment Regular.

      Thanks

      Ashal

      Reply
  3. Kapil says:
    May 28, 2012 at 9:49 am

    I had a similar query. Pls. have a look just so you understand debt funds and the underlying assets in which they invest.

    http://localhost/jagoforum2/debt-funds/3593/

    Kapil.

    Reply
  4. Ashal Jauhari says:
    May 28, 2012 at 12:23 am

    Dear Rajan, @ 2K mly in 1Y it ‘ll be around 24-25K & 50K after 2Y, is it the basic requirement linked to any goal? Please confirm.

    If you are in lower tax, RD, as rightly pointed out by dear wealthucreate may be a better option.

    Thanks

    Ashal

    Reply
  5. wealthucreate says:
    May 27, 2012 at 11:13 pm

    Friend, whats your tax bracket? If you are in lowest tax bracket you can go for RD offer at 10%. This would be safe option.

    what is your goal – you need 24k after one year?

    Reply

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