3 — Kindly do not invest in
Equity oriented funds for building your Emergency fund corpus.
You may consider investing in
Equity oriented Funds for next say 10 to 15 years.
Have you considered other options like combination of debt fund +
equity oriented funds for such a long time - frame??
Long Term Capital Gains Tax is nil, if you hold
equity oriented funds for a minimum period of 1 year.
Advisable to opt for Growth option for
equity oriented funds for long term investment.
Equity Index Funds & Equity ETFs are treated as regular
Equity oriented funds for taxation purposes.
You may set up STPs (Systematic Transfer plans) EX: Liquid fund to
Equity oriented fund for next 12 months of a same AMC.
Not exact matches
«In the early years,
for one
fund family, you'll find more «risky»
equity exposure to growth -
oriented stocks, but toward the later years, it's more value -
oriented equity exposure,» said Aaron Pottichen, president of retirement services at CLS Partners in Austin, Texas.
Dear Surekha, You may consider investing in an
equity oriented balanced
fund for the next 3 years.
For example: UTI Nifty Index
Fund is a passive equity oriented f
Fund is a passive
equity oriented fundfund.
Now i need your guidance in identifying the MF categories to be used
for achieving my goals; Personally i am interested to invest in predominantly in Large Cap, Multi cap, Balanced
funds (
Equity -
oriented) to achieve my goals;
Dear Jayan, If you have to park
for short - term basis, you may consider Liquid
fund and then can do STP (Systematic Transfer) to
Equity oriented funds (as per your requirements).
Dear surekha,
For a 3 year horizon, you may consider investing in an aggressive MIP fund & a small allocation in Equity oriented balanced fund (balanced fund, you may try to remain invested for > 3 year
For a 3 year horizon, you may consider investing in an aggressive MIP
fund & a small allocation in
Equity oriented balanced
fund (balanced
fund, you may try to remain invested
for > 3 year
for > 3 years).
at present we can invest another 1 lk each per yr also we need some money
for emergency and vacation pl suggest what will best way to invest and where to invest.balanced
fund or
equity oriented MF
Given a choice, I will consider EPF as part of Debt allocation and would prefer investing in
Equity oriented Mutual
funds for my Retirement goal.
As per Union budget
for 2018 - 19, LTCG from
equities are taxable on capital gains of Rs 1 lakh and above on sale of
equity shares &
equity oriented mutual
fund.
When you are investing in
equity mutual
funds, Stocks or other high risk -
oriented investments like real - estate, one sage advice you often get to hear is that «invest
for long - term» (or) have a «long term investment horizon».
Dear Narasimha ji, There is no lock - in period
for equity oriented balanced
funds as such.
For LTCG -(Non
equity oriented fund with holding over 3 yrs)- Under CG - B7 (sale of assets other than B1to B6) is reqrd to be filled up.
Kindly note that gains (if any) on
equity oriented funds are tax - free if units are held for more than 12 months, but 1 year is a too short to consider Equity funds / S
equity oriented funds are tax - free if units are held
for more than 12 months, but 1 year is a too short to consider
Equity funds / S
Equity funds / Shares.
Yes, ELSS
funds being
Equity oriented funds, this proposal is applicable
for ELSS schemes as well.
The Balanced
funds have to maintain the portfolio according to their mandate,
for example, debt
oriented balanced
funds have to keep at least 65 % of their investments in Debt instruments hence in whenever
Equity portfolio of the
fund crosses 35 %, then Fund Manager will book profit from equities and rebalance the portfo
fund crosses 35 %, then
Fund Manager will book profit from equities and rebalance the portfo
Fund Manager will book profit from
equities and rebalance the portfolio.
Hence,
for people who want to take advantage of the safety of debt instruments without foregoing the tax efficiency of
Equity funds can opt
Equity oriented Balanced
funds.
You may consider investing in ELSS
funds for tax saving purposes, but kindly note that these are
equity oriented funds, with 3 year lock - in period.
Dear Karan, You may consider investing in an
equity oriented balanced
fund instead of multi-cap
fund for your 5 year goal.
Need your advice on a monthly sip of 15 k f (investment horizon of 15 years)
for my younger daughters post grad education.I was planning to invest 5 k each in a debt
oriented fund (ICIC pru long term growth), balanced
fund (HDFC balanced
fund) & a ELSS
fund (Axis long term
equity fund)- assumption based on a return of 12 % post tax and hence a corpus of 65 - 70 lacs at the end of this invetsment term of 15 yrs.Education inflation taken at 10 %.
Dear Siddharth, If you do not need this money
for next 5 years and have a horizon of 5 years, then combination of a balanced
fund equity oriented + an MIP
fund makes sense.
Considering your age, it might be a better option
for you to invest in
equity oriented mutual
funds.
Dear Meera, You can invest Rs 5 Lakh in Liquid debt mutual
funds (lump sum) and can book STP (systematic transfer plan) say
for next 6 months to an
Equity oriented plans.
Hello sir, I was also thinking
for TATA balanced
fund equity oriented... I would nt take the name of the company... Do nt knw they may be reading ur blog too... Such a greaablog..
Dear Bhavin,
For a 5 year investment horizon,
equity oriented balanced
funds can be an ideal choice.
I will be grateful
for your expert help in making up my mind whether to sell units in a debt
oriented mutual
fund scheme and buy into
equity oriented mutual
fund scheme.
For goals > 10 years,
equity oriented mutual
funds can be considered.
For monthly SIP (assuming this is for long - term wealth creation), invest in Equity oriented fun
For monthly SIP (assuming this is
for long - term wealth creation), invest in Equity oriented fun
for long - term wealth creation), invest in
Equity oriented funds.
Dear Ashish, Investing in
Equity oriented funds can be one of the best options
for long - term wealth accumulation Consider one balanced
fund and one Mid-cap
oriented fund (Ex: HDFC balanced
fund & Franklin Smaller co's
fund).
Despite «not viewing
equity and fixed income any differently,» over the trailing 12 months, the
fund had only a 1.63 % yield, quite low
for an investment vehicle that is primarily income -
oriented.
Also, investment in
equity -
oriented mutual
funds is available
for deduction under Section 80C of the Income Tax Act in the year of investment and no such deduction is available on other mutual
funds schemes.
A balanced
fund (
equity oriented) can be suitable
for medium term goal as the
fund invests around 65 % in
equity and 35 % in Debt.
For accumulating an Emergency
fund kindly do not invest in
equity oriented investment options.
The former is a value
oriented manager associated with the Janus
Funds with 20 billion AUM while the latter is «a quantitative value
equity manager providing active management
for institutional investors» with $ 58 million AUM.
2 —
For medium term goal — You may consider an aggressive MIP + an
Equity oriented balanced
fund like HDFC balanced
fund too.
Dear Debashish, If you are new investor, suggest you to consider MIP aggressive
fund for 3 — 5 year horizon and an
equity oriented balanced
fund for 5 + years.
Below are some of the top performing best mutual
fund schemes (
Equity oriented) that you can consider
for investing in 2017 and beyond.
For 3 to 5 years horizon, you may consider an
Equity oriented balanced
fund like HDFC balanced
fund.
You may consider setting STP from a liquid
fund to an
equity oriented balanced
fund (s), may remain invested in a balanced
fund for 5 to 6 years and then can gradually move your accumulated corpus to safer investment avenues, as you reach the target year.
If your time - frame is around 7 years, you may consider
equity oriented balanced
funds, invest them
for next 5 years and then switch to safer bet 1 or 2 years before you plan to settle the home loan.
Instead of a small cap
fund, you may consider an
equity oriented balanced
fund like HDFC balanced
fund (
for a 5 year time - frame).
sir, i having enough insurance coverage thank you reply i having enough insurance coverage.as suggested by invest
equity oriented scheme like hdfc balanced und icici baned
fund and tata balaced
fund for 15 years..
Dear IJ, It is an
equity oriented balanced
fund, can be a very risky bet,
for a time - frame of 2 years.
For example — If you have a two year old kid and are planning for his / her college education, it is prudent to invest in a good diversified equity fund or a mid-cap oriented fund than in a children MF pla
For example — If you have a two year old kid and are planning
for his / her college education, it is prudent to invest in a good diversified equity fund or a mid-cap oriented fund than in a children MF pla
for his / her college education, it is prudent to invest in a good diversified
equity fund or a mid-cap
oriented fund than in a children MF plans.