Which is the best mutual fund to invest ? (amt = 25000)?

Question

with higher returs and safety priority

Answer 1

Best Answer - Chosen by Voters

Asking which is the best mutual fund is very much like asking which is the best car. Everybody's situation, needs and preferences are different, so the answer will be different for everyone.

Before investing in ANY mutual fund, you should know the answer to the following questions:

- When will I need the money? If you'll be needing it soon (less than 5 years), you should NOT invest in a mutual fund - stick with safe investments like CD's, money markets and Treasuries.
- Do I have all of my debts paid off AND an emergency savings fund? These should be priorities (except for mortgage debt - that has tax advantages), and your emergency savings (6 months of living expenses) should be kept in "safe" investments like those named above.
- What is my risk tolerance? In all investments - and particularly in mutual funds - there is a tradeoff between short-term risk and long-term reward. The "safest" funds (other than money market) are bond funds, which are generally more stable in the short term, but have historically only returned about 5-6% on average. Stock funds are more volatile in the short term, but have historically returned between 9-10% on average.

One factor you should keep a close eye on is costs. All mutual funds make their money through management fees (sometimes called the "expense ratio"), which generally range from 0.75% to 1.25% annually. In addition, if you buy your funds through a broker or investment advisor, you will pay some sort of sales charge ("no load" funds allow you to bypass the middle man and buy directly from the fund company, avoiding sales charges).

My favorite fund families are Vanguard, T. Rowe Price, and Fidelity. All have a wide variety of good (no-load) funds to choose from, and generally have low expenses. Check out their websites, and call the toll-free number of whichever one makes the best impression on you.

I hope that helps. Good luck!

Source(s):

Former stock broker, MBA in Finance, and 20+ years investing experience.

Answer 2

When you are investing in MF's your focus will be on maximum returns. But mutual fund on its own cannot guarantee good returns. The portfolio of the fund guarantees the returns.

So you shall select a fund with the best portfolio (group of shares). Selecting a share to develop a good portfolio is a task of a master. A lot of research and clever-focused eye is required for picking a good share.

A combination of a "MASTER & CLEVER-FOCUSED EYE" does not come cheam. Only best companies can hire this talent a deleop and team of a match winner.

Companies like HDFC, ICICI etc has these talents. Select a fund of any of the above companies with a sign "G" (Growth) attached to it.
Be sure to stay invested for at least 4 to 5 years

Source(s):

www.getmoneyrich.com

Answer 3

With that amount of money you should be in several asset classes. I do not know your age or your risk tolerance so I cannot answer the question. I will offer you a couple of guides to help you decide.
I will tell you I love the Royce low price stock fund RYLPX.

Source(s):

http://hubpages.com/hub/bestmutualfunds
http://hubpages.com/hub/highbond

Answer 4

Since I believe we are in a bear market, I would say keep cash or go with a bear fund.
www.prudentbear.com
has a few bear market funds.
Note higher returns and safety are mutually exclusive. If you want safety then 3 month T-bills are safe. They have beaten the 10 year return in SP500.

Answer 5

Hi go for SBI magnum Contra & HDFC Growth fund but strictly in SIP and for 3 yrs duration.These are equity diversified funds.Dont go for sector funds.Right time to start investing when market is coming down.
BEST OF LUCK

Source(s):

Personal Experience

Answer 6

There is no "best." It depends on your investment time frame and risk tolerance. "Higher returns" and "safety priority" are conflicting goals.

Answer 7

SBI Magnum Contra
Reliance Growth
Sundaram BNP Paribas Select Midcap
HDFC Top 200
KOtak 30
DSP Merillynch Top 100
SBI Magnum Multiplier PLus


I hope this will help you

http://www.investingmantra.com

Answer 8

I invested my 10K with livetradingdemo.com and after 9 months im at about 78K give or take...it's been a good 9 months

Source(s):

personal experience

Answer 9

hai,
reliance natural resourse fund
jm basic fund

Answer 10

A S&P 500 Index fund.