Left with small amount, how to Invest in Mutual funds ?

POSTED BY Gopinath ON July 15, 2014 11:34 am COMMENTS (4)

Hi Sir,

Please note that I am planning to start investments in Mutual funds and currently, I am  investing in PPF (only in the month of April to utilize the interest effectively) and RD (for short-term plan).

My Take home salary is Rs.35000.  After deducting my house expenses + other expenses, PPF and RD, am left with Rs. 6000/month.

So, could you kindly suggest me how i can go about investing this amount in MF? Please note that i am going through some articles regarding mutual funds and i have only little knowledge about it currently.

Kindly,Let me know your thoughts on this, as this inputs from you will be of great help for my planning.

Thanks and Regards,


4 replies on this article “Left with small amount, how to Invest in Mutual funds ?”

  1. ashalanshu says:

    Dear Gopinath, please do read the below discussion first, if not read already by you.

    www. jagoinvestor. com/forum/finacial-planning-faqs



  2. Gopinath says:

    Hi sumit,

    Thanks for your inputs. I am just looking for long term investment but initially to start off, am planning to do with the small amount that i have 🙂

    So, I am thinking to do it in 1 large or large-mid cap fund (say Rs. 2000 -3000) as suggested above.

    Kindly let me know your thoughts on this.

  3. Sumit says:

    For tax saving (80C limit increased to 150000), I would go for:

    Axis Long term Equity Fund.

  4. Sumit says:

    Depends upon your goal, how long you can stay invested, you much risk you you are willing to take.

    Generally I would say 2000 each in below 3 funds:

    1 large or large-mid cap fund:
    Quantum Long term Equity fund/ICICI Pru focussed bluechip/ Axis Equity

    1 small-mid cap fund
    IDFC Premier Equity/ HDFC Mid cap/Axis Mid cap

    1 balanced
    SBI balanced/ICICI Equity balanced


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