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10 Answers

  1. Jas on Mar 23, 2011 reply

    Mutual funds. Do a little research on best performing mutual funds and invest in them.

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  2. Avin on Mar 23, 2011 reply

    do not invest ur money in 1 packag.make separate 3 4 baskets,and accordingly invest

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  3. k3an on Mar 23, 2011 reply

    hi, i m k3an and would like 2 suggest that pls invest your 1lac in the post office MIS schemes.

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  4. Satyen on Mar 23, 2011 reply

    you have not mentioned your goal. assuming that tax saving is your goal, i suggest the following
    first. put a part of the money say 25000 in PPF account. u can open a ppf account with a post office or designated sbi branches. the account is for 15 yrs and except for some exception your money is locked for 15 years. compounding of interest over 15 yrs works wonders on your investment.

    second. invest the balance money in good rated ELSS schemes. they will have a lock in of 3 years and will provide a return of at least 15% per year, but this investment is in equity and so carries some amount of risk. visit valuresearch.com and moneycontrol.com to finilise your fund selection. If u split the money in 3 to 4 schemes, the risk will be so much less.

    if tax saving is not u’r goal then the advise will be different.
    happy investing.

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  5. vbulls on Mar 23, 2011 reply

    share market is highly rewarding. then mutual funds.

    VERY VERY IMPORTANT : study the basics of stock market. think over, wait for the right time to invest, wait for enough time reap the benefits. VISIT: http://vbulls.com

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  6. Focus on Mar 23, 2011 reply

    You can invest in mutual funds. Although equity schemes will be a bit riskier, they can earn you fair amount of returns. So go in for Mutual funds with equity investments.

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  7. Bhau on Mar 23, 2011 reply

    5% in LIC
    5% in NSC
    10% unit link Insurance
    50 % in mutual
    rest in Shares

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  8. indoracle on Mar 23, 2011 reply

    I would say it depends on your age and capacity to take some risks. Go for mutual funds over shares initially if you are unfamiliar with the stock market. Mutual funds can diversify your investment and reduce risks. I would say if you are relatively young, put 60-80% in mutual funds and the rest in NSC/PO MIS schemes or even fixed deposits which can yield 9-10% (look at http://www.ratekhoj.com for best rates).

    If you are close to retirement, then reduce your investments in mutual funds and shares and go for less risky schemes such as fixed deposits or NSC or PO schemes such as MIS.

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  9. Gagan on Jan 28, 2013 reply

    Hi, i want to invest 100000.00 Rs. in one time investment for 10-15 years, can you please suggest me which one will be best. I do not want tex excumption.

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    • admin on Jan 30, 2013 reply

      Hello Gagan,
      At this stage, I suggest you to invest in IDBI bank fixed deposit. That’s the safe option. But for such a long time, combination of gold+ equity will fetch more returns.

      So, start SIP in Gold ETF and equity mutual funds. You can invest your money in the next 12-18 months whenever you witness good correction in the stock market.

      Some funds:
      HDFC Top 200
      HDFC Equity Fund
      IDFC Premier Equity Fund
      SBI Gold ETF

      Hope it will help you.

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