How to invest in mutual funds either monthly or one time investment. in which i get high returns?

Question

i have Rs 20000 . how shall i invest it? on the whole or monthly basis as 1000 for 20 months. if i need this money in 20 months which is best for me? which scheme give high returns?

Answer 1

You can invest in monthly instalments as the markets are very volatile these days.

Go in for Equity based schemes which may prove to give higher returns to your.

Answer 2

Nobody can find the bottom of the equity market, but this could be the right time to put money in equity market as market already factored all domestic cues.

you should invest lumpsum,i.e. whole

SIP or monthly to be benefitted when market has volatility or high fluctuation, then you have to give more time to your investment,as your time is 20 months better return can be avail through lumpsum mode .

icicipru infra , idfc premier equity, dspm equity,sundaram TIGER are few fund to invest or search for best MF and Good Luck !    

Answer 3

put your money in reliance equity in form of SIP. in this process your risk is distributed

Answer 4

Mutual fund is a better option, for a longer period of investement, considering the volatality in stock market.  mutual fund being a secondary market, shields the investor much better from this volatality and when you invest monthly the returns are better, provided you choose the right fund.  Having said this, you may not have an assured returns, in your case, say exactly after 20 months.   It depends on the market conditions then, which we are assuming that the market would have appreciated and we would have got returns.  

Its better to get help from experts in some of the sites like valueresearchonline, which guides in mutual fund investments and rates the funds.

Once you get to know basics of mutual fund, analyze the fund which will suit your risk appetite.

Answer 5

It appears you are a first timer. For such persons the Mutual Fund (MF) investment route is the safest. Luckily, you have thought about entering at a very opportune time. Follow these steps to keep your money doubly safe.

Step 1 - Locate an investment agent near your residence/office. (Way2Wealth, Bajaj Capital are known investment agents, but there are many.)

Step 2 - Explain the agent what you want? I assume you are young. Then look for long term (at least 3-5yrs.) investment.

Step 3 - There is a safe investment practice - invest in equity funds (offered by all MFs) [100 minus your age] percent of your money. If your age is now 25 then invest [100 - 25] = 75% of the money in equity funds. Find out from the agent which funds are performing well even today when the share market is at its low.

Step 4 - Select at least three top funds from about six good ones.

Step 5 - Invest about equally that 75% of your money in these three funds. I would suggest that you opt for "Growth option" since you are young and can wait a while to reap the profit.

Step 5 - Invest the balance 25% in some fixed income instruments. You can open a PPF (Public Providend Fund) account at an SBI branch near you or a Post Office provided that you don't mind locking your money for 15 years. The investment will be very safe, earns good interest and the best part is that you get tax benefit. Get all details from SBI or the PO.

So far as the option of monthly or one time investment, I think go for one lot now because you have the money and the prices of the funds are very attractive at present. Same for PPF - you start getting interest right away. You can invest in regular intervals thereafter from your regular income in the same funds and PPF.

This would be a good way to start. No tears and no regrets ever.