RAMKRISHNA BHAT OF KOCHI REPLIES TO QUERIES ON INVESTMENTS

Suresh K says, i would like to take plan for my 6 months old daughter.Could u pls suggest one also it should have tax saving for me.

RAMKRISHNA BHAT REPLIES : Since the tenure of investment is going to be more than 15 years it is advisable to take a child plan from Tata MF . Opt for Tata Child plans which is expected to give a decent return

SANJAY GUPTA says, Hi , with a view point of 5 -7 years, which fund could be bought and what return we can expect.

RAMKRISHNA BHAT REPLIES : Investment in MF in lump sum at this point is not advisable. Instead opt for a SIP in an established MF like HDFC top 200 , dsp top 100 , IDFC Premier Plan A , HDFC Equity . As far as returns are concerned , SIP will cushion all ups and downs of the markets so returns will be decent .

Madhulk says, HI Ramkrishna, I have 2 lacs Rupees that I have accumulated by investing RD, I now want to invest it in some good return not much risk investment. What do u suggest, Debt Fund or Company FD's?

RAMKRISHNA BHAT REPLIES : Neither , Debt funds are not performing well in the last 6 months and Company FDs are too risky. It is advisable to put them in Bank FDs for shorter tenure of 2 years as FD rate are likely to go up in th near future.

Raghuraman says, Hello, which investment path is better path - Term life insurance + Aggressive Equity based Mutual Funds OR ULIPs?

RAMKRISHNA BHAT REPLIES : It is advisable to buy a vanilla Life Insurance Plan and invest in a well established MF .