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Know more on your investments | Chat Show - 10 Nov 2017

Thursday, November 10, 2016 | Category : Chat Show | 2 Comments
Guest: I have 50 lacks and I want 12% YoY return as a payout for my yearly expense what is the suggestion
Vatsal Shah: Hello - for 12% payout, it is a bit aggressive as current rates have drastically gone down, i would suggest that you can invest in a mix of SIP and Balance Funds and then opt for monthly dividend...
 
Guest: Would like to know more about government bonds and securities and their rate of yield
Vatsal Shah: The highest right now is RBI 8% bonds (Taxable) this is with a 6 year lock-in
 
Guest: Respected Sir, I am going to retire next year and wanted to do one time investment, My requirement is 40,000 INR per month. Please suggest me the good fund and how much money I will have to invest? Post office MIS is full. Thanks
Vatsal Shah: Sir you requirement will depend on your Corpus...ideally you should look at putting in Balanced fund..with a SWP mode...because it is only the Balance fund...which will give you returns
 
Guest: Dear Sir. I invested Lumpsum of Rs.20 Lakhs in Motilal MF Longterm Fund for a time horizon of 15years and invested Rs.15Lakhs in Birla sunlife MNC Fund for same time horizon. how much approx i will get in 15 years period. Plz advise.
Vatsal Shah: You can assume a CAGR returns of 12-15% in both the funds
 
Guest: Next year going to retired .I want 35000 Rs per month. Please suggest fund and how much amount I will have to invest?
Vatsal Shah: Sir, the best monthly returns right now is 7.5% annualized..to get about 35000 per month, your corpus should be around 60 lakhs, also the 35K will be taxed so do count that as well
 
Guest: Hello Team, want your recommendation for investments portolio which will start giving me a fixed monthly income may be after 3 years from now.
Vatsal Shah: Best option is to put it into some ELSS Schemes as you will get a good return after 3 years move it to a Debt Fund..with Regular payouts
 
Guest: I`m 37 years age and i have a total PF amount of 7.5 Lakh and this is my 10th year in the current company. Is it advisable to withdraw 80% of PF money and invest in Plot. Assuming the plot rate will go up in next 5 years by 5 times. Pls suggest
Vatsal Shah: Hello Sir, if there is any such investment...then i will put all my money in it...:), but the fact is with Rupee circulation going down...very unlikely that plot will even give 6-7% appreciation yearly
 
Guest: I am 36 year old and I want to save money for my daughter post graduation. I want save 46 lakh rupees till year 2031. Please suggest, in which Sip scheme should I invest and how much amount per month to achieve my goal.
Vatsal Shah: Sir to get about 50 lakh rupees after 15 years...ideal amount is 7.5K per month...chose a mix of 1 large cap + 1 flexi cap + 1 mid cap scheme...you can pick some good fund houses like Birla, Franklin, HDFC, Reliance ..which will have a long term vision.
 
Guest: Hi, I have Rs. 20 lakhs in FD`s which I would like to now invest in mutual funds. Time horizon - 15-18 years, moderate risk, expected returns - 12-15%. What are the best options? How shoild I diversify this amount? Should I go for MIP`s growth option, which ones? Please advise.
Vatsal Shah: MIP growth option is not a very good option...for a period of 15 years, Balance Fund is great you can do about 5 lakhs every month..for next 4 months into Balance Funds - good ones are HDFC Prudence, Franklin India Balanced, and ICICI Balanced Advantage Fund
 
Guest: Now i am 35 years old after 55 age, i need monthly 50000 inr how much i have to invest from now
Vatsal Shah: To get 50000 after 20 years you must need a corpus of about 1.2 crores because after 20 years the fixed rate will also come down to 4-5%, so to get about 1.2 crores you need to save approx 15000 per month in SIP. Also note your 50000 after 20 years is actually todays 16,500 : Rupee Value will depreciate by 3 times...in next 20 years
 
Guest: Sir how u see Pharma Sector for 2 years ahead from now for investment.. 
Vatsal Shah: Sir..i would suggest to avoid Pharma sector...as there are many issues and problems
 
Guest: What is the best investment two year prior to retirement
Vatsal Shah: It all depends on your risk appetite - There are some who would like to be 100% into equities..some totally safe...for you a few LIC products are good..which can give regular return for a long period
 
Guest: I am a salaried individual and I come in 30% tax slab. I have invested 15 lac in bank FD. How can i invest that amount in mutual fund . My investment plan is for long term but less risk
Vatsal Shah: Hello Sir, you are unnecessarily paying tax on FD, there is very good option of Debt Funds and if you hold for 3 years it will be almost tax free, the current returns are approx 8.5% in Debt Funds
 
Chat Show At Moneycontrol.com On 10 Nov 2016 

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