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27 comments:

  1. Hi Sir,
    Greetings!
    As discussed I want to invest in Mutual funds to create wealth. Hence could you please suggest me to find out the best funds to invest (Including NFOs if suggests). And also the best ways of investing in funds.

    Please advise me how to move on further.

    Thanks in Advance.

    Regards,
    Jagadeesh M
    +91 9702464981
    jagadeeshmoodududla@yahoo.com
    jmoodududla@gmail.com

    ReplyDelete
    Replies
    1. Dear Jagadeesh, Good to see your mail.....Regarding Term policy, you can go for Birla Sunlife Insurance ... If your wife is earning, then only take term policy for her....otherwise no need to take..... make sure the sum of insurance is equal to 8 - 10 times of your annual gross salary....
      Thanks
      Ravi Nama

      Delete
  2. Dear Jagadeesh,
    Good to see your mail....first of all, I would like to know your age, how much amount you wish to invest every month, how long you want to invest..... pls let me know these details to give a financial planning for you.....
    Regards
    Rawie Cumaar N

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    Replies
    1. Hi Sir,
      Greetings and Thank you so much for your response.
      My age is 28 years and I want to invest Rs 10000.00 per month for 10-15 years.

      Please let me know if require any additional information.

      Regards,
      Jagadeesh M
      +91 9702464981

      Delete
  3. Itz very nice idea to invest at this early stage. After seeing your age and time horizon to invest, I am giving you the following financial path for the next 10 - 15 years.
    1. Insurance needs: The first thing you should do is, take Term policy for the sum which is equal to 8 - 10 times of your gross salary. Suppose your gross salary is 5 Lakhs, then take term policy for 40 - 50 lakhs. At your age, the premium would be around 5000 per year only.
    2. The next step you should do is, take a Health Insurance policy from outside. Though your company providing group health insurance policy, it is advised to take Health Insurance policy outside for a sum of at least 3 lakhs. Take separate health insurance policy for your parents.
    3. Now, you look for your savings. You can save Rs. 10,000 every month. At this age, you can take some risk and based on this, invest your amount as follows:
    - Open PPF account from Bank (I prefer ICICI Bank), and invest Rs. 2500 every month into this account. Do not touch this amount till 15 years.
    - Invest Rs. 2500 every month through SIP approach in Mirae Asset India Opportunities fund.
    - Invest Rs. 2500 every month through SIP approach in Franklin India Small companies fund.
    - Invest Rs. 2500 every month through SIP approach in Reliance Tax saver fund

    Open Demat account with FundsIndia.com which provides free service for Mutual funds transaction.
    Review your portfolio every six months and alter your Mutual funds accordingly.
    Let me know if you have any queries.....

    N Rawie Cumaar

    ReplyDelete
    Replies
    1. Hi Sir,
      Thanks a lot for the Suggestions and Recommendations.

      I will proceed accordingly.

      Thank you.

      Regards,
      Jagadeesh M
      +91 9702464981

      Delete
  4. Hi Sir,
    Greetings!
    Could you please suggest us On Going for a property with the 20% cash (80% Bank loan) is Advisable???

    Regards,
    Jagadeesh M

    ReplyDelete
  5. Taking Home Loan for salaried employees is always advisable..... but make sure that, your monthly EMIs should not be more than 40% your monthly salary....Go ahead....

    ReplyDelete
  6. Hi Sir,
    Hope you are doing great!
    Could you please suggest me the best insurance company (Except LIC) to have term plans for my self and for my wife.
    Having little bit confusion and fear about the private companies even though the premium are less (Almost 3 times from LIC).
    Hence please suggest me to opt the right company and the right method to have term plan.

    Awaiting for your response.

    Regards,
    Jagadeesh M

    ReplyDelete
    Replies
    1. Also read my article http://www.myinvestmentspub.com/2014/07/Best-Term-Insurance-Policy-2014.html

      Delete
  7. Hello sir
    My name is Dr. Akshay and i have just started my post graduation. Keeping that in mind i would not like to invest more than Rs 1000 month. Also im in it for the long haul of 15 to 20 years.. can u suggest which SIP i shud invest in? I would be very grateful
    Akshay.dhanda@gmail.com
    9599794872

    ReplyDelete
    Replies
    1. Thanks for visiting my website. I have gone through your mail. Based on your requirement, you can invest into the following Mutual fund and keep investing into it every month Rs 1000 for 15 - 20 years.

      Mutual Fund: Franklin India Smaller Companies fund -

      This fund is yielding consisting returns (20%+) from the last 5 years and expecting more yields in the coming years. Do not hear the volatility noise in the current market and this is the best time to invest in the stock market / mutual funds.

      However, my suggestion here is, going forward try to increase your investible amount whenever possible.

      Delete
  8. I have gone through your article all ae very helpful.
    I have query regarding equity SIP. Can you please let me know how to start an Equity SIP without and broker and best stock for Equity SIP for long term.

    Thanks in advance

    ReplyDelete
    Replies
    1. Thanks you for your comments and visiting my website. Due to some other works, I am not finding time to provide articles frequently. Regarding your query, to invest Mutual funds or equity, you need a demat account. You can go with FundsIndia.com. They are very good broker for Mutual funds. They will not charge any thing to maintain Mutual funds portfolio. Initially, you start SIP investments in Mutual funds only. Later after gaining some experience, you can start SIP in equity. Also, I advise you to go through my articles for Mutual fund Investments to start SIP.

      Delete
  9. Hello Sir,

    I already have an account with Fundsindia and have three on going mutual fund. I want to start equity SIP but fundsindia dont have equity SIP instead they have Equity Basket SIP and minimum amount is 25000. So just wanted some info from you on this. is there any possiblities that i can buy Equity SIP directly without any broker?

    Thanks in advance

    ReplyDelete
  10. Dear Reader, TO my knowledge, Equity SIP with out broker is not there. ICICI Direct is having Equity SIP facility, but you need to know the brokerage amount for using this facility.

    ReplyDelete
  11. Hi Sir,
    which is the best SIP equity. My age is 40. would liek to spend some lumpsum amount from 5L to 10L for 1-2 years, which are now in FDs. and also would like to spend 10K for next 3 -5 years (Min) for sip..please let me know your suggestions

    ReplyDelete
    Replies
    1. Hi, you did not mention your risk profile (Low/Mdium/High). Do you want to park all your lumpsum amount in Mutual funds for 1 - 2 years? Do you want SIP for next 5 years with 10K per month? Please revert me.

      Delete
    2. Risk profile is medium/High. Yes Lumpsum is for only 1-2 years as i have a plans of buying a house in bangalore. i would like to invest 10K per month SIP for minimum 3 to 5 years.

      Delete
    3. To invest your lumpsum amount, you can go with Liquid Mutual funds. A good liquid Mutual fund yields 9% - 10.5% which is higher than the Bank FDs. Also, if you keep more than 3 years, there will be no tax on your yieldings.
      For this, you can invest in 'BIRLA SUNLIFE TREASURY OPTIMIZER PLAN' or 'FRANKLIN INDIA ULTRA SHORT BOND FUND'.
      Coming to your SIP requirements, you can invest in the following MFs:
      1. ICICI Pru Focussed Bluechip Fund - 5000
      2. Mirae Asset Emerging Bluechip Fund - 5000
      Invest systematically every month with out stopping. Also, do not withdraw money until your maturity period.

      Delete
  12. This comment has been removed by the author.

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  13. Jagadeesh Moodududla9 April 2017 at 01:11

    Hi Sir,
    Is there any stock recommendations for this week? If yes please provide the same.

    Thank you.

    ReplyDelete
  14. Dear Jagadeesh.... I am not suggesting stocks on weekly basis, but for long term. Please read my article : MY STRONG STOCK RECOMMENDATIONS 2017' and invest into those stocks systematically.

    ReplyDelete
    Replies
    1. Jagadeesh Moodududla9 April 2017 at 11:26

      Thank you Sir.

      Delete
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    ReplyDelete
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