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
MK
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.
Raviraj Parekh
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
M A BAIG
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.
Vaibhav
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
Priya
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
Raviraj Parekh
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.
Ramesh Sinha
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
Raviraj Parekh
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.
Mint Yumm
Hi,
I am 29 year old female, i want to invest 10k per month time frame 5-8 years, can you please suggest me which SIP should I opt for
chandra
Hai sir, I am investing in Birla SL MNC fund from 13 months through SIP. now it retrns 104% per annum, some financial blogs says that the MNC funds could not give superior returns in near funture because govt given certains norms to mnc companies. so plz suggest me in this regard, should i continue on this fund or exit, or i need to swithover to another fund?
neeraj
Hello please suggest me fund for my child education,,,,,I can invest 7000per month per
K. SREEDHAR
Hello Sir, I am 37 years old. I am new to mutual funds I am investing 2k per month in Birla Sunlife MNC fund equity from one month. Is it a good choice I want to invest 8 thousand monthly in mutual funds for long term 10-15 years. Could you please advise some good mutual funds.
Thanks,
Sreedhar.
vijay
Hello Raviraj,
Thankyou for your inputs on financial aspects. You are doing a wonderful job!
I am 30 years old with one dependant on me. I am a moderate risk taker. I have been investing SIP 1000 pm in these 5 MF since Aug 2014.
HDFC top 200, HDFC mid cap Opp, HDFC balanced fund, Can robecco eq tax saver, Quantam long term equity. I am a moderate risk taker. Please analyse my profile and suggest if any changes are required. Also, while filling the forms for MF i have stated the term as 3 years. However, after reading your blogs ,y understanding is that MFs give good returns if invested for long terms ie.8-12 years.
My question is,
1) How to increase the term from 3 years.
2) I also want to increase the SIP amount from 1K to 2K. Is it possible?
3) Should I add one more sector based MF or should just increase the SIP amount ion same MF.
Thanks
Vijay
rahul
Hi,
I am planning to invest 10000 per month through SIP route in below mentioned portfolios.Please advise me whether the below bifurcation is suitable for my profile on a long term prospective.My age is 26,unmarried and as of now i do not have any liability.
Type Fund Name SIP Amount
Large CAP SBI Blue Chip Fund(G) 3000
Small and Mid CAP Franklin India Smaller Comapnies(G) 2000
ELSS Axis Long Term Equity Fund(G) 3000
Diversified Franklin High Growth Cos(G) 2000
Raviraj Parekh
Dear Rahul,
Very good Fund Selection.All funds are very good and suitable for young people with high risk carrying capacity.
All these funds has excellent track record of providing return in range of 20-25% last 5 years.
Regards,
Raviraj
ashu
Hi,i am new to mutual fund investment,can I get information regarding how to invest and how it work and how i earn profit.
Naveen
Hi,
I am 40 yrs old & new to share market. Can any one help me in working out my portfolio in MF with SIP of rs. 3000/- per month
Rameshkumar
I have monthly SIPs that is devided in to four different folios as per list here. Each folio has very good monthly invested of few thousands each fund.
Folio-1 : (Equity Funds)
UTI equity, Prima Plus, HDFC mid cap, Mirae Asset India opportunity, Franklin Smaller, ICICI value discovery, Reliance Small Cap, HDFC top 200 and L&T india value fund
Folio-2: (Equity Funds)
ICICI focused bluechip, Kotak select focus, Motial multi cap 35, SBI magnum global, Frank High growth companies Fund, ICICI dynamic , IDFC permier equity and DSPBR Micro cap
Folio-2 (Sector Funds)
ICIC banking and financial services, ICICI Export and other services, UTI MNC, Franklin Build India Fund and Reliance Pharma
Folio-3 (Balanced Funds)
HDFC balanced, ICICI balanced fund, ICICI pru balance advantage Fund, L&T prudence and Tata Balance Funds
please advise whether it is on good track. I know funds are more but with good monthly investment we need more funds in each category so that different investing style from different AMCs is covered.
Raviraj Parekh
Dear Rameshkumar,
Your portfolio is well diversified and taking care of mostly all sectors. You are on right track, however sometimes it is difficult to track multiple mutual funds. You are keeping 27 mutual funds in your portfolio I advise to reduce this number. Switch from non-performing mutual fund to performing mutual funds.
Kiran
Hi,
Thanks for the wonderful blog which helps us to select mutual funds.
I am planning to invest 30000 per month for long term 7+ years (probably 10+ years). Does following list look good. Please suggest :
UTI Equity Mutual Fund = 5000
ICICI PRu Focused Blue Chip Fund = 3000
HDFC Top 200 = 2000
Birla Sun Life MNC Fund = 3000
Franklin High Growth Cos (G) = 3000
Can Robeco Emerg-Equities = 4000
DSP-BR Micro Cap Fund = 4000
Franklin India Smaller Companies Fund = 2000
Tata Balanced Fund = 4000
Thanks,
Kiran
Raviraj Parekh
Dear Kiran,
Number of funds are more try to reduce numbers.It will be difficult to track all these funds.You can drop Birla Sun Life MNC Fund and HDFC Top 200.
Raviraj
mani
Hi Bro,
Though I am working in abroad for 10yrs+. I havn’t settle. I want to come come back to india and settle in 5 years periode.pls guide me to invest for 5 years period. I can invest 50k/month in mutual funds.
I have 30L in FD. I will start invest 1L/month for real estate investment purpose. I have opened 2 PPF a/cs in my wife and kids name. I will start invest 3L/yr. I have opened NPS. I will start 1to1.5L/yr in this. I will put some money in best stocks if I have surplus.I have 2 kids 4 month old. pls note after 5 yrs, my income will be uncertenity as I come back to india.
Now pls guide me to invest in few mutual funds to invest for 5 yrs. I need this money after 10 to 12yrs. medium to high risk.
Thanks in advance bro.
Raviraj Parekh
You can Invest in Following Mutual funds for long term.
(1) SBI Bluechip Fund
(2) UTI Top 100 Fund
(3) ICICI Pru Value Discovery Fund
(4) SBI Magnum Mid Cap Fund
(5) HDFC Balance Fund
Nivedha
I want to invest 6000 per month in mutual fund .Please help me to make a decision
Raviraj Parekh
Dear Nivedha, Request you to provide your risk appetite and income level details.