Which mutual funds are best to invest in for 20 years through SIP?

 

 

Question ni konchem deep ga chudam

  1. Present Best Mutual funds enti?
  2. 20 Years ki nenu e mutual fund ni ela manage cheyali?

Enduku question ni 2 parts ga divide chesanu?

Endukante 3-5 years tarwata meeru a fund lo aite invest chestunaro aa fund market returns ni beat cheyalekapovachu, meeru invest chesina fund underperform avvachu(for eg: icici value discovery fund , franklin india equity fund, hdfc equity fund) ilanti time lo meeru inko new fund ki switch avvali anthey thappa old fund lo invest chestu vundipokudadu.

So mi investments ni manage chsukovadaniki meeru em cheyali ante

  1. Mutual funds select chesukovadaniki konni parameters fix chesukondi. Meeru anukunna parameters kanaka aa fund reach aite aa fund lo meeru invest chesukovachu.
  2. Aa parameters use chesukoni mi portfolio create chesukondi.
  3. Time to time portfolio ni review chestu vundandi oka vela Edina time lo meeru invest chestuna funds lo fund manager change ainattu aite mi selection process malli run cheyandi fund performance bagundi anipiste continue avvandi or else exit aipondi.
  4. Every 3 years ki portfolio check chesukondi and mi selection process malli run cheyandi oka vela funds change cheyalsi vaste change cheyandi leda mi portfolio as it is continue cheyandi.
  5. Every 3 years ki portfolio check chestu vundandi.

Note : 3 years ki check cheyadam anedi fix kaadu research prakaram every 3 years ki funds check chesukunte manchidi enduknate 1 year ki check cheste thakkuva time ki review chesinattu vuntundi and 5 years aite very long time so 3 years ki review chesukunte manchidi.

Note : Oka mutual fund underperform cheyadaniki chala reasons vuntayi andulo main reasons enti ante AUM(assets under management) increase avvadam valla ayi vundachu, fund manger change avvadam valla kavachu, stocks selection style/philosophy change avvadam valla kuda kavachu.

Fund selection chala important. Mutual fund selection eppudu star ratings or 1 year performance meeda depend avvakudadu simple ga cheppali ante selection sarigga lekapote sahoo movie laganey vuntundi entha star performers vunna selection sarigga lekapote movie ni hit cheyadam kastam mutual funds kuda start ratings meeda depend avvakudadu.

So Mutual fund selection ki tips enti ante

  1. Overall track record of the fund
  2. Fund consistency : Index tho compare cheste aa fund ela perform chesindi ani
  3. The overall risk of the fund ( standard deviation, Beta, alpha)
  4. Fund size, and recent changes in management.

20 years ki na strategy prakaram nenu select chesukunna funds enti ante

  1. ICICI PRUDENTIAL NIFTY NEXT 50 FUND – LARGE CAP
  2. MIRAE ASSET EMERGING BLUE CHIP FUND – LARGE & MIDCAP
  3. SBI FOCUSED EQUITY FUND – MULTI CAP
  4. L&T EMERGING BLUE CHIP FUND -SMALL CAP

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