Top 5 Best Balanced Funds 2018 to invest in India

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• Hello Sir,

  I am 29 years old and want to start investing for retirement in mutual fund. My investment horizon is 25 years and current savings is Rs. 10K per month. What should be the ideal/best mutual fund portfolio to accomplish my goal ? I have moderate risk appetite.

  • Dear Vishnu,
    Refer my post "Top 10 Best SIP Mutual Funds to invest in India in 2018".

• hello sir,
  thanks for your time in creating site and answering every single query. i am totally new to mutual funds, though i study i am getting confused the more i study the more i get confused. i am ready to consult professional help dont know how to contact, pls help

  • Dear Shankar,
    Use the Contact Us page of this blog to be in touch with me for professional guidance.

• Hello Sir ,

  Please suggest what happen if I want to stop the SIP but will stay invested in the fund for long period .

  • Dear Tanuj,
    Yes, you can stop at any point of time and continue to hold the invested amount as long as you wish.

• Dear Basu,

  Age 46, Goal- Daughter education, Time horizon 8 yrs,

  I have a doubt regarding HDFC balanced fund. After its merger with HDFC HDFC Hybrid Equity Fund, the scheme (HDFC balanced fund) slipped by huge margin in comparison to its benchmark as well as peers.

  Is it OK to start investing in it or do I need to choose other Balanced fund (Like ICICI).

  • Dear Pappu,
    After the change, immediate return comparison is not at all a right strategy. Hence, go ahead.

• Hello Basavraj,

  Thanks for your effort in sharing information through blog posts, very helpful.

  I had a query related to investment and grateful if you can share your thoughts on it.

  Let's say that there are 3 financial goals which one has to achieve in year 2030, 2035 and 2040. The investor selects a fund and wants to invest through SIP in it.

  Now, there are two scenarios here as following:

  Case 1 - Investor starts one SIP of 30,000/- and then regularly draw from corpus at 2030, 2035 and 2040

  Case 2 - Investor starts 3 SIP each of 10,000/- for 2030, 2035, 2040 and use up the corpus

  In case 1, will there be less amount generated as compared to case 2 as we are drawing from same corpus when goal year arrives?

  But if we go for case 2, will there not be more things to manage given one SIP for every goal separately?

  Here, the funds are same for both the cases and all other conditions are same.

  Thus, as per your experience, which case you prefer to go for?

  Thanks for the help.

  • Dear Vivek,
    If the funds are same, then it does not matter whether you create three separate FOLIOS and start investing separately Rs.10,000 each for 2030, 2035 and 2040. I prefer a single portfolio of Rs.30,000 for the sake of simplicity.

    • Thanks Basavaraj, actually I was just wondering that if we have single portfolio then when we withdraw amount from the the fund, say for the first goal in its respective year, then that would undermine the power of compounding reducing the principal for next year.

      I also performed few calculations in this regard, and found that in case of single portfolio, after say first goal is met and we reduce the SIP to 20,000 then overall amount decreases for other goals, but such is not the case if we keep the SIP of 30,000 going even if the first goal is met.

      And yes, for simplicity, single portfolio is certainly better.

      Thanks again for your thoughts on this Basavraj.

      Regards

      • Dear Vivek,
        Pleasure :)

• I have been investing in Tata Balanced Fund( 2yrs) but the returns so far has been very disappointing(~5%), should I continue to invest or switch to HDFC Balanced Fund ?

  • Dear Anand,
    Please continue.

• Hi Basavaraj,

  Please suggest me couple of Mutual funds which can give me returns of atleast 10% for 10 years, i wanna do lumpsum investment

  • Dear Vishwanath,
    Without doing asset allocation and just plain 10% expectation means MUTUAL FUNDS ARE NOT LIKE FDs. Please understand the basics before jumping into products.

• Sir, my investment horizon is one year, expected returns 9% ~ 10%. Lump sum investment of 5 lakhs. Suggest me a mutual fund for above requirements.

  • Dear Prashanth,
    You are expecting bit higher return. I suggest you to stick to Liquid Funds.

    • Thanks sir for the reply.

• Hi Basavraj. For 54 EC , whom to approach for REC / NHAI bonds ( like bank, broker,etc ?) Also how do I pay least brokerage during purchase. Your detailing will help

  • Dear Dev,
    There are many brokers like Bajaj or NJ (few I know).

• Dear Sir
  If I want to start an SIP of 1000 per month with 15 years horizon for a child’s education. In which type of funds should I be putting my money in?