SBI Magnum Midcap Fund has shown a very good performance. The fund was launched in 2013 and benchmark for this fund is Midcap 150 Index. Since its launch, it has given an annual return of 19.77% and in the last five years it has given an annual return of 18.82%. In the last six months also, while the benchmark has given return of 9.15%, this fund has given return of 14.02%. Fund has invested 79.23% in the midcap and smallcap shares. Largecap shares constitute 19.58% of the AUM.

61 companies are part of the portfolio. Sectors include automobile, capital goods, financial sector, services sector and textile sector. Comparing this to the other funds in this category, HDFC Midcap Opportunity Fund has given return of 47.50% in the last one year. In the other time periods also, HDFC Midcap Opportunity Fund has given equally good returns as the SBI Magnum Midcap Fund.

So we recommend you invest Rs. 1 lac now in the HDFC Midcap Opportunity Fund. This will also diversify your risk.

Groww has become popular among people working in the share market and now they have also launched mutual fund schemes. The company is managing AUM of Rs. 96 crores which is very low. But compared to other funds, the rate of return generated by them is very low.

The benchmark for this fund is Nifty 100 Index. Fund manager takes 1.27% as expenses , which is on the higher side. Fund has given return of 13.35% in the last ten years , whereas the benchmark has given return of 14.54%.

Return in the last three years is 19.86% , whereas benchmark has given return of 24.01%. Similarly, even in the one year time frame, fund has given less return than the benchmark. If we compare the performance of Groww with other funds , then also the fund is underperforming.

This shows the weakness of Fund Manager. You can withdraw your funds.

The fund was launched in Janaury 2013 and since then the fund has given return of 15.54% and this return is double that of bank deposits. This open ended fund has an AUM of Rs. 3751 crores.

A quick glance shows that the fund has given good returns, but a deeper study shows that the fund has been underperforming the benchmark.

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You wish to invest for the education of your beloved child. As per our study, Nippon India Small cap fund has provided exceedingly high returns since last 10 years. So, pl. go for the same. Or you may chood Kotak Multicap Fund, which has strong performance.

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At present the flavor of the investors is Flexicap funds. Whereas we suggest either small cap fund or midcap fund, and we believe they can provide better returns. Since last 10 years, Nippon India Small cap fund has provided exceedingly high returns. So, pl. go for the same.

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For Rs.2000 pm, we suggest either Quant Small cap fund or Nippon India Small cap fund. These two funds have given excellent returns in recent times.

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For balance Rs. 10000, We suggest Quant Small cap fund and Nippon India Small cap fund,. These two funds have given excellent returns in recent times.

Since your horizon is about 15 years, equity would be the right option . For such a lengthy time period, it is best to go for a pure equity fund such as a flexi-cap fund or even a tax-saver fund (ELSS) additionally, if you wish to claim the tax benefit from Section 80C of the Income Tax Act).

It is always a good practice to start planning for your child’s education early. Starting early can be beneficial as you can take advantage of the power of compounding. More importantly, while Rs 2,000 is a good amount to start, ensure that you keep increasing this amount a little bit every year with the rise in your income. Additionally, you can also spare and invest some amount on special occasions like the child’s birthday or whenever possible.

Lets assume, you invest Rs 2,000 every month for the next 15 years, with returns assumed at 12 per cent, you would build a corpus of Rs 10.09 lakh. But if you increased your SIP amount by 10 per cent every year (i.e., Rs 2,000 for the first year, Rs 2,200 the next and so on), you would end up with Rs 17.36 lakh. That’s a significant increase.

If you wish to accumulate higher amount at the end of 15 years, then you should allocate higher amounts as SIP every month.Invest one portion of an SIP in a large cap fund and another portion in midcap fund of some other AMC.

Tech Funds, or sectoral technology funds, are mutual funds that invest the majority of their capital in companies in the technology field such as Infosys, Wipro etc. These funds predominantly invest in equity and related stocks of IT.

With up to 32% annualized returns, equity-oriented Tech Funds have been among the top-performing mutual fund schemes in the last three years. However, returns from these funds in one year have been negative.The technology sector has seen big corrections this year amid economic recession threats, emanating especially from the US and Europe.

While tech funds have seen multi-fold growth in the last few years, you should not look only at trends before investing. One must understand that performance of sectoral funds is cyclical, which may require timely entry and exit. Investing is subjected to market risk. We already have the example of an IT-led crash – the dot com bubble of the 2000s.

In the past 1-year IT sector has been corrected by more than 20% and this could be an opportunity to enter into this sector in a staggered way. SIP or STP modes are available for investors to begin their investments. However, all sector funds are cyclical which requires timely entry and exit.

However, the objective is not to time the market but to focus on these funds’ long-term potential and include them in your portfolio for diversification.

Two factors to consider before investing
1) Constructing a portfolio according to your goals is the primary requirement of investing. If you have a long-time horizon, you may benefit by investing in tech funds.
2) You should analyze the existing asset allocation and diversification in your portfolio before including IT funds.

It is always advised to seek professional help to understand your risk appetite and the amount of allocation in your overall portfolio.

REITS (Real Estate Investment Trusts) are the derivation of commercial rental yields by investment made in those properties. The rental yield as of now is not very high and the possibility of a good appreciation in your investment over a period of 10 years is not likely. Compared to REITs, the Sensex and Equity funds have been doing excellently well. So, in that sense, the investment in Equity funds can turn out to be more rewarding as compared to REITs.