Best Mutual Funds to invest in 2015

Best Mutual Funds

Indian Stock market is on full swing. Nifty and Sensex is all time high. Nifty has recently crossed 8300 level. As an investor you must be thinking whether to invest more or to stay away from market, well best is to participate in market, and if you want to tradeoff risk best is to invest using mutual funds. I am herewith Best Mutual Funds to invest in 2015.

Before we move on to best mutual funds I would like to clarify that selection of these mutual funds are done based on following aspects:-

  • Fund Performance over past 3 years
  • Rating and Reputation
  • Capability of giving future performance

Best Mutual Funds to invest in 2015

Large Cap Mutual Funds

These types of funds invest large portion of money in companies with large capitalization.Large cap funds generally provide stable and consistent returns over a period of time, it may outperform and give best returns based on market performance. Risk explore is moderate in large cap funds.

Large Cap Mutual Fund RETURNS (%)
6 mth 1 yr 3 yr
Birla Sun Life Top 100 (G) 29.5 44.2 22.5
BNP Paribas Equity Fund (G) 35.3 42.2 21.9
SBI Blue Chip Fund (G) 31.3 44.3 23.4
UTI Equity Fund (G) 31.9 44.6 21.3

Small & Mid Cap Fund

These types of funds invest in small and mid cap companies. Risk return ratio is quite high in Small and Mid cap funds.

Small & Mid Cap Fund RETURNS (%)
6 mth 1 yr 3 yr
Can Robeco Emerg-Equities (G) 56.5 98.3 32.3
Franklin (I) Smaller Cos (G) 47.9 90.4 36.5
Reliance Small Cap Fund (G) 62.2 119.5 35.2

Debt Mutual Funds

These types of funds invest in fixed income securities like bonds, MIP or treasury bills.

Debt fund provides fixed type of returns in limit. Debt fund investment is recommended for investors who don’t want to take any risk in volatile market.

Debt Mutual Fund RETURNS (%)
6 mth 1 yr 3 yr
HDFC High Interest – Dynamic 7.6 11.4 10
Reliance Dynamic Bond (G) 6.6 10.3 10.3
UTI Dynamic Bond Fund (G) 6.7 11.9 10.6

MIP

Monthly Income Plan provide stable monthly returns to investor. Those who are looking for monthly income can invest in this mutual fund.

MIP RETURNS (%)
6 mth 1 yr 3 yr
Birla SL MIP II-Wealth 25 (G) 15.2 23.4 13.5
UTI MIS – Advantage Plan (G) 12 19.7 12

Please note that I am not holding any position in mention mutual funds. Before Investing in any mutual funds mention above you must take advice from your financial planner and take investment decision based on your goal and risk appetite.

I personally recommend you to invest in Mutual Funds via SIP route. You will defiantly find difference in return. SIP Investment returns are always high compare to one time investment returns.

 Do you hold any position in above mutual funds? Do share your experience with us.

All return figures are taken from http://moneycontrol.com

Article by Raviraj

Hi, I am Raviraj. I am passionate about money matters and finance. I have 10 years of rich experience in the field of financial planning, Investments & Insurance. I have written 850+ article on this blog. If you like my efforts kindly subscribe to this blog and also let your friends know about this website by sharing.

Subscribe to Blog

Enter your email address to subscribe to this blog and receive notifications of new posts by email.

25 Comments

  1. Ramesh Sinha says:

    Hello sir,

    I am new to MF investment . I have decided to invest forty thousand rupees(40000) per month in SIP for 10 year.I am already having insurance coverage, no home loan ,emergency fund for 1 year and investing 1 Lakh per annum in PPF apart from my regular PF contribution.
    I will select one MF from each category.
    Now my concern is suppose i started investing 40000 per month in SIP and down the line if i will not have regular income(i am in private job) to invest every month. In that case if i hold my already invested money in SIP for 10 year, it will be beneficial ?? what is the best option?
    Please advise me .

    Thanks & regards
    Ramesh

    • Best option is to invest in Mutual funds with SIP route.History shows that in long run equity market gives best returns compare to other asset class.It is recommended to stay invested in mutual funds for long run.

  2. Priya says:

    Hi,

    I have SIPs in below funds and my time horizon is 15-20 years. Kindly let me know if I need to exit any of the funds. I want to increase my holding for 5k more in any of the funds I already have.

    Funds I hold are

    1. ICICI Pru focused bluechip – Direct G – 3k
    2. Quntum long term equity – Direct – 2k
    3. HDFC Equity – Regular G – 2k
    4. IDFC Premier equity – Regular G – 2k
    5. ICICI Pru value discovery – Direct G – 2k
    6. ICICI Pru tax plan – Direct G – 2k

    • Priya,

      All funds selected by you are excellent in terms of performance. Out of this IDFC Premier equity – Regular fund is in below average performance.You can think of exiting from this fund.

  3. Vaibhav says:

    Hello,

    I’ve invested in “UTI Equity Direct – Growth”. However, I didn’t find the expense ratio for it on VR.
    Any idea where would I know this and your valuable opinion on the Fund house and this fund in particular please?

    Thanks,
    -Vaibhav

  4. M A BAIG says:

    Hello sir, I AM 53 YEARS OLD AND ABOUT TOMRETIRE IN 7 YEARS. I AM NEW FOR SHARE MARKET. I WANT TO INVEST Rs.10,000 TEN THOUSAND RUPEES PER MONTH FROM JAN,2015. PLEASE SUGGEST BEST TOP FIVE MUTUAL FUNDS VIA SIP KEEPING IN VIEW OF MY AGE, I AM READY TO CONTINUE MY INVESTMENT FOR MINIMUM 5 YEARS. I AM READY TO BEAR HIGH TO MODERATE RISK.

  5. MK says:

    Hello Sir,

    Thanks for your valuable comments on the financial planning front. I would like to get your kind advise on my financial planning as a newbee.

    Let me tell about myself.

    I am currently working aborad and would like to invest in India. Could you please suggest me various option available to do so.

    I am currently 28 and can take high risk with annual investment of 5L. My current holdings are as below which was started 2 months before.

    Reliance Equity Opportunities Growth -1500/month
    DSP BlackRock Micro Cap Fund – Regular Growth – 1500/month
    ICICI Prudential Focused Equity Fund Retail Growth – 2000/month
    ICICI Prudential Balance Growth – 2000/month
    Franklin India smaller companies – Fund Growth – 2000
    HDFC Top 200 Growth – 2000/month

    SIP in Equity on monthly basis

    MARUTHI
    TECH MAHINDRA
    ASIAN PAINTS
    BEL
    SNOW MAN
    DCB
    UNION BANK

    could you please kindly advise any correction and valueable suggestion.
    Thanks.

    • Hello Congratulation for starting financial planning at early stage.

      Mutual funds selected by you are good, However I suggest to reduce number of mutual funds in portfolio.

      You can remove investment in Franklin India smaller companies.

      In Stock market you can add SBI and LUPIN in your portfolio.

      Raviraj

Leave a Reply

Your email address will not be published. Required fields are marked *