Thanks a lot for your MF query. We analysed all the healthcare and pharma funds and their performace during last 10 years. Only 2 funds have completed 10 years performance.
We rank top 3 funds as under:
Top Rank to SBI Healthcare Opportunites
2nd Rank to ICICI Pru. Pharma fund
3rd Rank to Tata India Pharma & Healthcare fund.
If you wish to invest Rs. 50000, then you may allocate the funds in the ratio of 50:30:20 for these 3 funds.
Thanks for your nice words. We feel encouraged.
ICICI Prudential bluechip fund is excellent performer and during last 5 years, it has provided return of 24.82% pa. We studied its portfolio and even today about 97.50% corpus is invested in Giant and large cap stocks, which we believe outperform the market in coming months.
The fund manager has give more weightage to Financial sector and technology and Energy sector follows.
During last one year, SBI Bluechip fund has provided higher return.
Since you are long term investor, we recommended ICICI Bluechip fund.
Thanks for your question to us. First of all, we are sorry for the delay and assure you that it will not happen again.
The commodity funds, more particularly Gold and silver have provided bumper returns because of Terrif related issues.
Thanks for your question to us. First of we are sorry for delay.
At Sahifund.com, we provide highly useful information and, on the homepage, we have link for debt-funds.
The link of the same is given below.
You will be able to find out proper fund as per your requirement.
Thanks for your MF question to us and we are sorry for the delay in providing our guidance.
The manner in which timing is important in stock market investment, timing is also important in MF investments. One should rotate his/her funds from large cap to midcap and from Banking funds to healthcare funds etc.
For the long-term investment, it is better to allocate 50% of the funds for large cap funds and 50% to midcap funds and select best performing schemes.
At Sahifund.com, we provide Best Mutual funds, Wealth builder funds etc. These buttons are on the home page. Pl. study the same regularly and you will get good information.
First of all, we are thankful that you have raised your question to us.
There are two alternatives available to you.
First estimate, how much fund you wish to allocate for medical emergency.
For example, in the case of urgent surgery, you may require Rs. 1/2 lacs during first 2 days of the hospitalisation. In such case, you should keep that much fund in bank current account or overdraft account, so that you can use the same when the need arises. The balance amount of emergency funds can be parked in Debt fund.
Do remember that to get redemption/sale of money parked in debt fund, your consent may be required and if you are hospitalized, then understand, how can redeem the fund.
Thanks for your question. WE are not aware of your age and how much you wish to invest. Without this information, we suggest HDFC focus 30 fund, which can provide good returns in the longer time and the fund manager is allowed shift the funds between large cap stocks and midcap/small cap stocks.
In mutual funds, we have large number of categories and depending up on the objectives of the investor, the fund has to be identified. At the time same, the manner in which timing is most important in the stock market, the same way timing is important in Mutual fund investment.
For example, if the banking stocks are expected to show bull rally, then it is better to identify top performing banking fund and one should invest in the same.
It was good suggestion to shift your funds from LIC policy to LIC Large and midcap fund. The said fund has provided about 16% return during last 3 years.
Now WE suggest you should shift to Large cap scheme which can give better returns during next one year.
Just like we donot rotation of funds in stock market, similary rotation of MF is also advisable and advise of your friend is correct.
Sorry for this delay this time. Hence for we will quickly attend your questions.
Once again, Thanks for using our Q&A section.
It appears that you wish to earn higher returns compared to the interest on Bank FDs. You wish to invest Rs.10000 pm as SIP and Rs. 5 L Lum sum amount.
We recommend investing as SIP in Parag Parikh flexicap and HDFC Focus 30 schemes.
Rs. 5 lacs be invested equally in the large cap schemes of Nippon India MF, DSP top 100, HDFC Large cap and ICICI Large cap schemes. We anticipate large cap shares to outperform the market in the coming months and above are the best performing large cap schemes.