11 replies on this article “SIP”

1. Ashal Jauhari says:

   May 12, 2013 at 3:44 pm

   Dear Swarup, as of now HT200 & IDFC or |SBI EB can be kept in 1:1 ratio. Do check the performance at least once in a year & in case of successive fall in performance for 5-6 quarters, should be the time to switch to some other fund.

   Please do not invest blindly for next 20-25 years in the same fund.

   Thanks

   Ashal

   Reply
2. swarup says:

   May 12, 2013 at 10:21 am

   For 25 years horizon will a combination of Hdfc top 200 & idfc premium equity in 1:1 (equal) proportion a good bet?

   Can sbi emerging business fund be also added?

   Reply
3. swarup says:

   February 5, 2013 at 4:07 pm

   Dear Madam/Sir,

   In that case I can deposit the same amount (say Rs 60000) on 1st April 2013 in Tax saving Fixed Deposit of banks and can have higher return ( 9.5% – CUB, Deutche Bank are offering) instead of depositing in PPF.

   What is your comment on that ?

   Reply
   1. Ashal Jauhari says:

      February 5, 2013 at 11:53 pm

      Dear Swarup, in case of PPF, the return is tax free where as for tax saver FD the interest received is taxable. So the 9.5% coupon rate ‘ll not be your actual return. Your actual return may be far below the PPF rate based upon your tax slab.

      Please think over it.

      Thanks

      Ashal

      Reply
4. Ashal Jauhari says:

   January 25, 2013 at 4:00 pm

   Dear Krithika, thanks for helping me out by posting the prev. article link. Dear Swarup, please do spend a little bit of your very precious time in reading & understanding past article in the main site (www.jagoinvestor.com) as well as past discussions here in forum.

   Thanks

   Ashal

   Reply
5. Krithika K says:

   January 25, 2013 at 3:50 pm

   This article from the JI blog, will help you understand the benefit of depositing between 1 and 5th of april. I myself set an reminder to do the same.

   http://jagoinvestor.dev.diginnovators.site/2012/02/how-ppf-interest-is-calculated-video.html

   Reply
6. Nitin says:

   January 17, 2013 at 4:51 pm

   @Ashal: Please ignore my previous question as I already got answer from your post in some other thread.

   Reply
   1. swarup says:

      January 18, 2013 at 10:28 am

      Dear Ashal, Can you please tell me the benefits depositing full year amount in PPF between 1st to 5th April every year instead of depositing it every month (1st to 5th)?

      Reply
7. Nitin says:

   January 17, 2013 at 4:44 pm

   @Ashal: What is the benefit of depositing full year amount in PPF between 1st to 5th April every year instead of depositing it every month (1st to 5th)?

   Please clarify?

   Reply
8. Ashal Jauhari says:

   January 17, 2013 at 2:17 pm

   Dear Swarup, what about your term cover, health cover, emergency funds…..? Why are you not depositing full 60000 Rs. in PPF between 1st to 56th April every year?

   Thanks

   Ashal

   Reply
9. Vikash says:

   January 17, 2013 at 12:37 pm

   Since you already investing in Large Cap fund and your time horizon is 25 years, go with IDFC Premier Equity Fund (growth)

   Reply

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