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  #1  
Old 3rd March 2017, 01:51 PM
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Smile How Much You Invest in Mutual Funds via SIP?



Hi Guys

Just curious about the quantum of money some of you guys are parking through SIP in Mutual Funds. Also, for salaried individuals, as a percentage of your monthly salary, how much is the monthly investment? This could purely depend on individual circumstances but what is the target we should try to hit assuming no loans/other obligations?

I have been investing in Mutual Funds for the last 1 year via SIP and setting aside Rs.30K per month. Bumping it up to Rs.40K from next month (which is the commencement of 2nd year of the SIPs)

Also, I find Mutual funds to be much less-intensive compared to stocks once the initial phase of recognizing the goals and funds is carried out. I have completely stopped investing in stocks directly and purely focusing on MFs. Anyone out there doing the same ?

Thoughts?
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  #2  
Old 3rd March 2017, 11:22 PM
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Yup me in the same boat.

Currently investing only 25% of the take home into MFs.

Though saving 50% of total take home, am yet not able to garner courage to increase MF SIP contribution to go above 25%.
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Old 4th March 2017, 10:52 PM
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I've been investing just 20% take home in SIPs plus another 5-10% in gold as a hedge.
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  #4  
Old 6th March 2017, 08:25 AM
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Thanks for your input, guys!

Quote:
Originally Posted by Atiker View Post
Yup me in the same boat.

Currently investing only 25% of the take home into MFs.

Though saving 50% of total take home, am yet not able to garner courage to increase MF SIP contribution to go above 25%.
Awesome! So what have you been upto with the rest of the 25% savings?

Quote:
Originally Posted by entee View Post
I've been investing just 20% take home in SIPs plus another 5-10% in gold as a hedge.
Gold - That's interesting. Been sideways/slightly downward movement in the last few years. Going to continue with it in the future as well?
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  #5  
Old 6th March 2017, 08:31 AM
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Another question - How many funds are you holding/investing currently in?

After the adjustments to my investments, below are the funds I am investing in with respective % allocations from next month onward

Franklin Prima Plus - 26%
Birla Sunlife Frontline Equity - 26%
Mirae Asset Emerging Bluechip - 20%
DSP BlackRock MicroCap - 13%
Franklin Smaller Companies - 15%

All the above funds are regular option and direct mode.

Would like to revist them annually to see if any changes would be required.
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Old 6th March 2017, 09:04 PM
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Yes like I said I look at gold as a hedge against USD. To be utilized for foreign trips etc. or in case of an apocalypse .

Given that over the long term the dollar should continue strengthening against the rupee, any forex expense is well averaged and comparatively cheaper in the future.

Quote:
Originally Posted by stk_chk View Post
Thanks for your input, guys!



Awesome! So what have you been upto with the rest of the 25% savings?



Gold - That's interesting. Been sideways/slightly downward movement in the last few years. Going to continue with it in the future as well?
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Old 8th March 2017, 06:17 PM
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Quote:
Originally Posted by stk_chk View Post
Thanks for your input, guys!
Awesome! So what have you been upto with the rest of the 25% savings?
Parked in max gain (over draft) home loan account of SBI.
Now interest outgo is zero.
For last one year 25% + any bonus etc is going into short term debt fund.
Maxed out PPF of self and spouse.

Now debt is swelling and threatening to go above the equity-MF exposure.

Very unhealthy allocation of investments.

But difficult to move to equity full blown, mind places lots of games.
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  #8  
Old 8th March 2017, 08:49 PM
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Quote:
Originally Posted by Atiker View Post
Parked in max gain (over draft) home loan account of SBI.
Now interest outgo is zero.
For last one year 25% + any bonus etc is going into short term debt fund.
Maxed out PPF of self and spouse.

Now debt is swelling and threatening to go above the equity-MF exposure.

Very unhealthy allocation of investments.

But difficult to move to equity full blown, mind places lots of games.
Atleast you are sort of erring on the side of caution with debt allocation.

Mine is completely Equity as of now. Thinking what I should do for the debt portion.
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  #9  
Old 6th November 2018, 11:07 AM
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It totally depends on your age & type of income.

Age:

If you are in early 20s or late 30s, 90% - 95% of saving allocation should be towards Equity -balance 5–10% as cash reserve for emergency. This can be done via MF or direct investing in Equity (provided you already have residential property to live).

Once you grow older, shift your allocation from Equity to Debt, this can be done via MF / other bank instructions.

Type of income:

Salaried income - like fixed, more allocation towards equity / MF less to debt to build wealth for long-term

Variable income (linked to economy’s performance) - contribution more towards Debt and less to equity.

Easiest thumb rule for investing in Debt & Equity = 100-age

if age is 25, 25% towards debt & 100–25=75% towards equity

You can then choose from a variety of different mutual fund houses. I'd suggest checking HDFC Mutual Fund products.
They have a great variety of products catering to different requirements. Also, HDFC is a solid brand name in the industry with good and consistent results over the years.
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