5 replies on this article “LONG TERM (10 to 15 Years) Investment”

1. Ashal Jauhari says:

   May 18, 2013 at 6:48 am

   Dear Sachin, opt only one Tax saver fund out of the 2 you are investing in.

   Same is the case with HT200 & FIBCF. Opt any one fund & invest in there only.

   Regarding Term plan, please try to understand what ‘ll happen if you die in actual & your family w’d have to run with 4-5 different insurers for all these policies. My take, please purchase one large cover from an online term policy. In case you are not fully comfortable with the Idea of pvt. insurer for this large cover. Do not look at the prem. & opt LIC’s Amulya Jeevan for that large cover.

   Thanks

   Ashal

   Reply
2. Sachin Shah says:

   May 17, 2013 at 11:25 pm

   Dear Anshal

   Thanx for Reply…

   i’m confuse about that’s why i asking help regarding my investment. i need minimum 10 to 15 % retuns in longer terms. please suggest me what can i do for? let me know if any change required.. i can stop some SIP and start as you suggest….

   sachin

   Reply
3. Ashal Jauhari says:

   May 17, 2013 at 1:26 am

   Dear Sachin, there are two ways to do things. One is simple & one is complex. You are following the 2nd line. If HDFC Long Term Advantage is there for tax saving, why Canara Robeco Tax saver or reverse?

   Again in case of Term plan, why 25L *2 plans & not a single plan of 50L?

   Again Franklin India BCF as well as HT200. Why?

   I’m unable to understand the digest RD as extra saving. if the idea is to save for creating an emergency fund slowly I can understand but purely for extra saving RD, I’m unable to understand?

   Can you elaborate?

   Thanks

   Ashal

   Reply
4. Ashal Jauhari says:

   May 13, 2013 at 5:05 am

   Dear Sachin. may I ask few questions to you? Why 5000 Rs. mly into PPF & only 750 Rs. in a tax saver MF? Why not opposite if you are planning for long term – 15Y?

   HDFC Long Term? which fund you are referring to? Advantage or Equity?

   if Franklin India Bluechip is there, why are you putting only 500 Rs. into HT200?

   What about your term insurance?

   For what purpose & what time frame the bank RD is chosen?

   Thanks

   Ashal

   Reply
   1. Sachin Shah says:

      May 17, 2013 at 12:51 am

      1. 5000 PPF bcoz of fix return and also increse up to 8000/- per month
      2. in cannara tax fund SIP 750/- but every 3 month add 3000/- lumsum
      3. HDFC LONG TERM ADVANTAGE FUND
      4. Frankline india just started. and HDFC TOP 200 since one year
      5. i have LIC TERM INSURANCE 15 LACs and plan to buy online term plan for 50 lacs in two diff company 25 lacs with HDFC and 25 lacs with Kotak.
      6. Purpose of Bank RD is just extra saving. (please suggest if any other option)

      i would like to add monthly 3000 debt fund or gold fund (please suggest)

      Reply

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