Which is the best mutual fund investment ?

In my view, this investments in the Scheme will comprise both debt and equities. The Fund would invest in Debt instruments such as Government securities, money market instruments, securitised debts, corporate debentures and bonds, preference shares, quasi Government bonds, and in equity shares. In the long term, the mix between debt instruments and equity instruments is targeted between 60:40 and 40:60 respectively. The exact mix will be a function of interest rates, equity valuations, reserves position, risk taking capacity of the portfolio without compromising the consistency of dividend pay out (in the case of Dividend Plan), need for capital preservation and the need to generate capital appreciation.

This is a good scheme which deliver the benefit of investment in a portfolio of equity shares, while offering tax rebate on such investments made in the scheme under section 80 C of the Income-tax Act, 1961. It also seeks to distribute income periodically depending on distributable surplus.

I can recommend this fund b'coz it is an open-ended balanced scheme investing across equity and debt classes with a target allocation of 60% in equity and the remaining in debt and money market securities. Being a balanced fund, it is geared towards providing a mixture of capital appreciation, safety and income. The fund is ideal for investors seeking growth from equity investments but with a cushion of debt.

When one thinks of Mutual fund always strictly go for SIP based only. Never go for LUMPSUM.

Order of preference of which type is as follows:

1 HDFC

2 ICICI

3 Reliance

4 Franklin Temp

5 Morgan stanley

and many others . But whatever HDFC is the BESTTTT.

A minimum 40% is always there in funds offered by  HDFC through SIP whatever is the market position.

When it comes to govt based SBI rules.

In my view, HDFC TOP 200 is the best fund to invest through SIP mode. The fund has beaten the category average every single year. Its sucess stands upright even in the bear market, without resorting to debt or high cash levels. Thanks to the proficiency & skills of Fund Manager- Mr. Prashant Jain.

The fund maintains the large cap bias & exposure to defencive sectors like consumer non durable & healthcare.

The fund is the best in the category for the investors who want to stay for long term.