Long Term investment in MF Direct Option

POSTED BY ritul ON October 21, 2013 2:25 pm COMMENTS (7)

Hi JagoInvestor Team,

Great and really informative articles are there on your forum..Very appreciated affort..

I am very new to MF inverstment. Have searched and found a few MF’s where I think I should start investing.However I cannot follow up on performance of MF’s and want to do online transactions directly..preferably without agent.

Have 3 long term goals, my daughter’s education(20 years), daughter’s marriage(25 years) and retirement planning(30 years).

so want to invest 1000,1500,and 2500 as starting in MF’s in any of these.

  • HDFC top 200
  • Franklin india bluechip
  • Canera robeco equity diversified regular
  • HDFC equity
  • tata ethical Plan A
  • ICICI prudential top 100 Inst I

Need advice where should I invest with direct option for better returns and safety.

Thanks in advance


7 replies on this article “Long Term investment in MF Direct Option”

  1. ashalanshu says:

    Dear Devang, from 1st Jan 2013, each MF scheme has a direct investment option. Say HDFC Top 200 Regular when you are investing through an agent or broker.

    HDFC Top 200 direct, when you are investing through AMC directly or the registrar (CAMS or Karvy). The expense ratio in Direct Plans is less than the Regular plan, hence over the period, your earning ‘ll be kore in Direct plan.



  2. devang_d says:

    Dear Ashal,
    What’s a direct plan? I am not understanding.

  3. ritul says:

    Thanks a lot Ashal 🙂

  4. ashalanshu says:

    Dear Ritul, a single SIP is enough. Please invest in direct plan to save a lot of future income which you may lose on account of higher expense ratio ijn regular plan.



  5. ritul says:

    And as a new investor, should I opt for Direct plan of Franklin or through some agent?
    If I start it through agent way, is it easy to switch to direct mode(online one).

    Please suggest.

  6. ritul says:

    Thanks Ashal,

    Should I invest in single SIP of 5000 or 3 different SIP’s since my requirements are of various times in lifespan.

    or is it possible to withdraw required amount at some point of life,like in PPF we can withdraw after a few years upto a limited amount.


  7. ashalanshu says:

    Dear Ritu, all needs can be satisfied within Franklin India Bluechip fund.



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