Wednesday, January 27, 2010

MH Satyanarayana Investment adviser from Hyderabad replies to queries on investments

Neil Dsouza says, I HAVE INVEST 1000/- PER MONTH WHICH SIP PLAN IS BEST FOR ME TIME HORIZON 3 YEARS

N H Satyanarayana replies : With this amount it is best to start a SIP in HDFC equity fund which has shown tremendous growth over the last 2 years . Another option would be Reliance Growth Fund which is equally good

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Keshav Mhatre says, Sir, please tell me an investment where I can invest 10K per month for three years and get handsome return.

N H Satyanarayana replies : There is no such as handsome returns . The best return in the current scenario is 8 to 10% . Spread your investment in SIP like DSPR top 100 , HDFC top 200 , IDFC premier plan A say 3000 each and 1000 in Religare contra fund . This way you will have an aggressive portfolio which will fetch you the desired returns .

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Fahim Sarguru says, I got 200,000 ,it better to start business in Gulf or put in property in India.. Please advise

N H Satyanarayana replies : As of now the Gulf Property situation is not clear . If investing then with this amount best to invest in Pune or Mysore or Gurgoan .

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Aditya Nair says, How to invest with 30000

N H Satyanarayana replies : depends on the returns and the risk you have. If you are conservative then invest in PPF or Bank FDs for short term . If you have a high risk appetite then invest In any quality equity mutual fund as mentioned in my previous answers.

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Rupam Bhattacharya says, Sir, i have 5000 rs per month for investment, which MF should i choose. my investment horizon is 10 yrs .

N H Satyanarayana replies : Start a SIP in HDFC top 200 , Reliance equality and IDFC Premier equity fund . You will good returns after 10 years.

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Ravi Shetty says, which will fund or scheme will be best for investment of lump sum for period of 10yrs.

N H Satyanarayana replies : None at present . As you can see the markets have lost close to 1100 points till Jan 27 . Predictions are there that the markets might test 12000 levels so it is not advisable to investment lump sum in any mutual fund. Try the SIP route as answered above.

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Prakash Patalvaru says, Hello sir I want to invest Rs 1 lakh and get a good return where to invest on which ? Please do suggest .

N H Satyanarayana replies :Please mention the time frame of investment . If long term then Gold is a good bet , even Silver is a good bet.

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Venus Prajapathi says, I want to invest in mutual funds with investment of 1000 per alternate day. Which one is the best bet from a long term perspective and is this the right time to enter the mF. Plz advise.

N H Satyanarayana replies : HDFC top 200 , HDFC equity fund , Reliance growth are the best bets

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Gagan Deep Singh Bhatia says, Sir, is it true that investing 25,000 today would yield 1 crore if invested in MF's by compounding interest in about 35-40 years.

N H Satyanarayana replies : If wishes were true then Satanarayana would be riding a horse. Gagan this is absolutely untrue that 25000 today will become 1 crore

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Atul Shah says, What is better an 5yr FD or PPF

N H Satyanarayana replies : PPF

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girisha says, Hi Satya, i always in struggle to get financial status right near the end of financial year. Even feel and find cash crunch. How can i plan for whole year to meet end of year demand?

N H Satyanarayana replies : Wise man says plan and spend accordingly. Live within your means and that will solve most of your financial problems

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Bhamri says, Hi , could you advice me which is a good mutual fund to deposit about Rs 100000. We are looking for a regular return

N H Satyanarayana replies : Lump sum investment at this point is not advisable. Instead SIP it and it will help. Follow the advice given above . Bye

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Yash Sanghvi says, Hello Sir, I am looking at assured 1 crore return in 5-10 years so how much investment and which funds?

N H Satyanarayana replies : Roughly 1 Lakh monthly SIP in about 10 quality MF for a period of 10 years may do the trick

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Jitendra Mehta says, Good afternoon, which is better an RD of rs.2000 per month or an SIP of rs 2000 per month?

N H Satyanarayana replies : SIP is better . Returns will be superior to fds but involves risks and patience.

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T S K Ramaiah says, Pls. suggest some diversified fund for investment

N H Satyanarayana replies : HDFC top 100 , HDFC equity , IDFC premier plan A , DSPR top 100

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Sam Kapoor says, i want to invest 2 lacs other than fds etc pls guide when and where .

N H Satyanarayana replies : Stagger investments in MF via SIP routes in quality well established MFs . Keep your goals in mind .

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Amit Chainani says, Where to invest to get maximum guaranteed funds in return other than any policies .

N H Satyanarayana replies : There is such thing as guaranteed return funds . Best is to invest in bank FDS.

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Bharat says, Hi, I am a beginner with 21k pm. I am having Aviva Lifelong ULIP of 20k pa with 7 lacs lifecover. Other than that I have no investments. I am a father of 2-year-old son and yet another one next month. Can u suggests good investment options for me?

N H Satyanarayana replies : Not clear , are you earning 21 K per month or are your saving 21 K pm please clarify. As about Aviva Life Insurance ULIPs have their shortcoming which need to be looked at

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Sairam Virani says, With investment capacity of Rs.40000 per annum, what is your best suggestion to invest. Looking in to 10 years from now.

N H Satyanarayana replies : Start a SIP for 10 years every month 1500 in a quality MF.

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Prasad says, i want to invest for my daughter education i have 4lakhs what should i do

N H Satyanarayana replies : Choose Tata Child plan and also UTI Mahila Scheme in wife's name . Start a SIP in a quality MF

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Arun says, 24 yeas old. Kindly let me know which is the good scheme to get good returns. I can invest 3k for next 24 months.

N H Satyanarayana replies : Start a SIP 1000 Rs each in HDFC top 200 , HDFC equity and UTI Master fund will do the trick.

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