Dalton Risner Authentic Jersey  Why we fail to plan our finances? - Investment-Mantra

Why we fail to plan our finances?

2 Responses

  1. Arindam Mukherjee says:

    Dear Sir,

    For SWP Rs. 20k per month, I would like to choose Mid Cap or Multicap Fund like Mirae Emerging or Motilal Multi cap 35 to invest 10L in those two funds each. Web sites suggests Debt Fund or Balanced Fund. On the contrary, Mid cap shows higher return for long terms like 10,20 years.
    Please share your thoughts.

    • Salil Dhawan says:

      Hello, Arindam,

      I would like you to analyze your risk profile and invest accordingly.
      Most of the times we see only returns during the bull run and not during the extended bear phases in the market. So invest in mid-cap funds in line with your appetite of experiencing high volatility.
      Funds such as HDFC Top 200, HDFC Equity and even a tax saver fund such as HDFC Tax Saver have given phenomenal returns over 15+ year period.
      I would suggest you have a good mix of a small and mid-cap as well as diversified equity funds and have a compact efficient portfolio with a mix of large-cap, diversified equity and small and mid-cap funds and not necessarily only mid-cap funds.
      A fund such as Mirae Asset India Opportunities has given close to 20% CAGR returns since launch which is phenomenal from the perspective of large-cap tilt it has.
      So look for risk-adjusted returns than only returns.
      Hope it helped.


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