A reader wants to know, “I have just started a SIP in an equity mutual fund. I plan to continue this for 10 years. What return can I expect?”.  The reader later clarified that he has no other investment planned for this goal. The honest answer to “What return can I expect from a 10-year…

Suresh asks, “Can you please write an article on which type of debt mutual fund should be used for a long-term financial goal? Can we use liquid funds for these?” For those who make the effort to understand how they work, debt mutual funds offer unique benefits. That said, most retail investors can stick to…

With the suspension of investments in most MFs holding international equity: What next? Can I now invest in Fund of Funds that buy US ETFs as an alternative? Will Fund of Funds investing in overseas ETFs become popular now? A discussion. Note: This is a developing story and the recommendations or opinions expressed may require…

In this article, we cover the essentials of a mutual fund systematic withdrawal plan (SWP) by answering some frequently asked questions. 1: What is a Systematic Withdrawal Plan? The SWP is the opposite of a SIP. In a SIP, you invest a fixed amount each month (the most frequently used interval) and build up a…

The absence of fund manager risk and lower fees are the two main reasons for choosing passive funds (index funds or ETFs). However, beyond the “normal” Sensex and Nifty passive funds, the remaining choices in this segment are quite expensive and comparable to the costs of active funds. Investors must be wary of this or…

We study 39 ELSS funds to find out which of them have consistently outperformed the NIfty 200 Total Return Index (dividends included) using the Jan 2022 equity mutual fund screener. Nifty 200 is a representative benchmark of the ELSS category in which funds are typically large cap oriented. since it is market capitalization-weighted, the index…

Aparna asks, “Dear Sir, short term fixed deposit interest rates have started to increase. Can you please write an article on which type of mutual funds we can invest in to benefit from interest rate increase?” Since May 2020, the Repo Rate has remained constant at 4%. So this has many observers jumpy and expecting…

A reader asks, “Dear sir, can you please let us know the list of mutual funds that invest 50% in equity and 50% in bonds? I ask this after reading your article – Will Benjamin Graham’s 50% Stocks 50% Bonds strategy work for India?” Such a fund can serve as an efficient one-fund portfolio option…

In a circular dated Jan 13th 2022, Motilal Oswal (MO) AMC announced the suspension of lump-sum investments and switch in (from other funds) into Motilal Oswal Nasdaq 100 Fund of Fund, Motilal Oswal S &P 500 Index fund and Motilal Oswal MSCI EAFE Top 100 Index fund. Why was this done? Up to June 3rd…

A viewer on our YouTube channel asks, “Sir, are conservative hybrid funds a good alternative for FD? Especially the Parag Parikh Conservative Hybrid Fund. They seem to be investing only in govt bonds, and for stable returns, they are investing in dividend stocks like ITC and coal India. is this fund safe?” Let us expand…

A reader asks, “I have a query regarding mutual fund expense ratios. Let’s say, we have Fund A with 5-year returns of 15% and expenses of 0.5%. Fund B, with returns of 18% with an expense ratio of 1.2%”. “I consider Fund B as a better fund as it has a better return even after…

1st Jan 2022 marked the 9th anniversary of direct plan mutual funds. In this article, we list the most popular direct plan mutual funds – that is the ones with the largest AUM. The AUM (asset under management) of mutual funds reported in most online portals is the total value. AUM of the regular plan…

This article compares the 2021 performance of 367 actively managed equity-oriented mutual funds with category benchmarks. The 2021 performance refers to the 357-day absolute return from 1st Jan 2021 to 24th Dec 2021. All index returns refer to total returns (including dividends) unless otherwise stated. Note: The goal of this study is just what is…

A reader asks, “I am looking for equity funds that hold foreign stocks (overseas equity) but also hold 65% of Indian equity similar to Parag Parikh Flexi Cap Fund so that it will be taxed as an “equity fund”. Can you help?” The advantage of holding such funds compared to a Nasdaq 100 or S&P…