8 replies on this article “sip funds”

1. Ashal Jauhari says:

   January 23, 2013 at 2:43 pm

   Dear Nikhil, as you are already having 1Cr. Rs. as surplus, split it into this way.

   20L – contingency fund
   15L – for education of your elder kid
   10L – for education of y’ger kid
   10L – for marriage of elder kid
   10L – for marriage of y’ger kid
   35L – for your own retirement

   After this split, invest the split amount into Eq. funds (except contingency fund). Start investing those 1L Rs. mly also in Eq. funds.

   You can easily reach to your target for each goal’s inflation adjusted figure at the desired time frame.

   Thanks

   Ashal

   Reply
2. Ashal Jauhari says:

   January 21, 2013 at 6:39 pm

   Dear Nikhil, do you have 1Cr. Rs. surplus with you right now?

   Thanks

   Ashal

   Reply
   1. nikhil chopra says:

      January 23, 2013 at 1:20 pm

      yes ashal i have the money …..your advice will be helful

      Reply
   2. nikhil chopra says:

      January 23, 2013 at 1:23 pm

      yes ashal i have the surplus money……..your advice will be very helpful….

      waiting for your reply

      thanks

      Reply
3. Ramesh says:

   January 21, 2013 at 1:24 pm

   I will recommend a Direct Investment in a single fund. Choose any of HDFC Equity / DSP BR Equity / Franklin Prima Plus / Reliance Regular Savings Fund. All of these are fairly good. Any one will be sufficient.

   Reply
4. Ashal Jauhari says:

   January 21, 2013 at 1:17 pm

   Dear Nikhil, why do you want to invest? Do you have any goal? Blind investing is like travelling in a train without knowing your destination? Are you ready for this endless journey?

   It’s very easy to say that I can bear risk but in actual to digest the erosion in hard earned money is totally different thing. Why are you opposing balanced funds? Any reason for that?

   Please do not understand me wrong, I’m asking these questions to understand your own thought process.

   Thanks

   Ashal

   Reply
   1. nikhil chopra says:

      January 21, 2013 at 2:18 pm

      thanks for the reply my goals are as follows: all goals were set in 2011 all are 20+ years away

      money to sister 3500000 @2011 money value will give her in 20 year
      education child one 1000000 born in 2011 money required in 15 years
      education child two 1000000 (unborn) maybe 20 years
      marriage child one 3500000 @2011 money value …..required in 20 years time
      marriage child one 3500000 @2011 money value…required in 25 years time
      retirement 5000000 @2011 money value….required in 25 years time
      contigency 5000000@2011 money value….required in 25 years time

      inflation cosideration 10%
      surplus investable 1 crores plus 1 lakh p.m. for 15 years

      thanks

      Reply
5. Free Financial Calculators says:

   January 21, 2013 at 1:15 pm

   invest 60-70% in large cap funds and rest in small- and mid-cap funds

   Use this step by step guide to choose funds yourself

   http://freefincal.wordpress.com/step-by-step-guide-to-choosing-a-mutual-fund/

   Reply

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