personal finance

Which mutual funds are good to invest Rs 25 lakh for 10 years?


Which is the best way to invest Rs 25 lakh in a mutual fund. I don’t need the money for the next 10 years. I am happy with 12% returns. And what are the funds I should invest. Right now I have investments in ICICI and SBI Mutual Funds (Rs 25,000 per month). I am a conservative investor.
–Sudip Dewan


We typically ask investors to choose their mutual funds based on their financial goals, the time they have to achieve those goals, and their risk profile. Since you have a long-term financial goal, you might consider investing in equity mutual funds. Large cap mutual fund schemes are ideal for conservative equity mutual fund advisors. If you want to be extra conservative you might also consider investing in aggressive equity hybrid schemes – these schemes invest 65-80% in equity and 20-35% in debt; the mixed portfolio makes them relatively less risky and volatile than pure equity mutual funds that invest most of their corpus in stocks.

Here are our recommended large cap mutual funds:
Best large cap mutual funds to invest in 2019

Here are our recommended aggressive hybrid funds:
Best aggressive hybrid funds to invest in 2019

Mutual funds do not guarantee returns. However, they may offer lower double-digit returns over a long period. That is why most experts believe it is okay to assume an annual return of 12 per cent from equity mutual funds.





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