"Is it good to invest in mutual funds?"

As a finance graduate and having an experience of few years in financial market , I want to add some info which might help you. Mutual fund is a portfolio itself , contain numerous company shares , and the profit and loss is biased on market value . now , if the market value is less your mutual fund will lost its NAV . From Indian stock market scenario , the financial market of India is very volatile , for example , if you remember , the index reach the peak 21000 points nad then crashed to 9500 points , in this scenario the mutual funds might lost more than half of its NAV . Therefore , I would suggest you to study the market first and then invest ,moreover , I think it is better to invest in companies which give cash dividend twice a year . best of luck

It wise to invest via mutual funds in the stock market because the fund manager knows where to invest and he is there to take the decision at the right time. I would suggest you to visit your financial adviser ,he would guide you best way. I am currently doing SIP of Rs. 1000 each for five funds.

I would check into what companies are doing well in your area. How much growth and is it consistant? Takes alot of figuring. Find a good financial examiner in your area and check with them. Pick afew yourself and check them for consistancy. All different manner of things you can do.

I think investment in mutual funds is ideal for those who cannot take the risk of investing in the stock market. So you may try it.

No. No. Only a few mutual funds are doing well. My experience --I invested Rs.20000 in Sundaram ---I got back Rs.11000 only after two years besides dividence of rs.3000 or so. I would have earned more if I had invested in bank deposits.

As the first start, go to your financial advisor, banks, investment companies. Each company/individu will have their own portfolio. Therefore it best to get information, the historical performance of each portfolio. You also have to pay attention on the fee, such as early redemption fee, in case you need to withdraw the funds immediately. Each portfolio invest in different companies and different industries. Some industries are riskier than other, therefore the swing of return is bigger. For example technology is riskier than financial. Some portfolio can also be a mixed with fixed income, government bonds, etc. Mutual funds itself is already a pool of funds, in a sense it has less risk than an individual stock. Keep in mind eventhough it is a pool of stocks, it is still exposed to industrial risk, market risk, country risk, etc. To diversify further, you can invest in a different type of mutual funds in different industries. You can also spread out the timing of buying. Buying mutual funds in a stager will provide a better cushion. Strategy wise, choose the industry, choose the type of funds (all stocks, mixed with fixed income, bonds, government, etc). Then next, you buy it little by little, let say every month. Most companies do not require you to buy thousands of dollars worth of mutual funds. If India has a riskier stock market than other countries, you may go to big investment banks who have access to US markets. It will give you more option, and less volatile portfolio than Indian market.

Honestly, in this economy, unless the investment is guaranteed I am less likely to invest. If you want to invest, be knowledgeable of the risks. I am not from India, but I can say that watching trends in consumerism and riding the ups and downs are part of investing. If I were you I would consider ecommerce (Amazon, Ebay). Remember, profit on investments are not guaranteed.

Well, to be honest I have not yet entered the world of the economy and the investment of money. The only thing I can tell you (as I heard her say to other people), at least here in Italy, there are two investment opportunities. - The BOT (at least by us in Italy are called so), zero risk, but little gain and long-term. - The financial shares: you can gain immensely but really high risk, you can lose an entire assets in a single day. Then I do not know if in India there are other opportunities for investment funds.

ideally if one would want to invest we must choose what is correct and best,i would actually say whichever makes you comfortable,go for it

hello prashu. in investing, it depends on your timeframe and how much you are willing to risk. even mutual funds has a lot of different types. i suggest you go to your bank or financial adviser and discuss your plan with him/her. me and my fiance had once opened a mutual fund account. yes, our gain is much bigger than in savings interest alone. but we were not contented with the overall result. maybe we were just not that familiar, or maybe we only expected too much. we never formally consulted an expert, we just browsed through some relevant topics. so it's still up to you if you could risk it. we have different approaches anyway.

I would say yes for starters. If you really don't have the time to learn how to manage your funds yourself, it is better to get invested by putting into the pool of fund managers rather than not investing at all. However, if you already know the ins and outs of how to manage your own funds, then investing in mutual funds should not be an option as it is better that you manage your own money instead of putting the responsibility to someone. Also, the fees can be detrimental to your fund. Just an advice, always go after the fund performance. Some mutual funds are managed better compared to others. Also, look into the fees that you may incur and only invest in mutual funds which you are comfortable to put your money in.

Mutual fund investment in reputed companies are good indeed. Variations of stock market can be utilized positively by systematic investment for long term in mutual fund. There are various type of funds with varying risk and profitability. Fund transfer can be used to bring more profit or to move to safer fund when stock market indicate downward trend.

I found out that Templeton Global Income Fund is a great investment. They run their investment very wisely. I checked their investment policy & was very pleased with their ideas, I think they read the market well. My & my husband checked them out very strongly before we invested in them, and were very happy with what we show. And now we are very please with the outcome. Also aside from their investment policy & their growing value, they also share dividend which is always a nice addition.