Mutual funds for short period

[7289832000]

Hello people,

I have 3.5 lakhs and my father wants to invest it all in Fd and the duration is just 3yrs cause this is for a car, as FD is safer and no risk and as per Latest vid on Bekifaayati the max interest per annum I can get is with Jana small bank 8.5%

But I want better returns and wants to make the best return possible in 3yrs and I consider myself a conservative so after researching a lot this is what I came up with can someone look if it is correct

1lakh- Fd
1 lakh - Axis/Icici bluechip /Nippon largecap
1 Lakh- conservative hybrid ( Sbi/ Parag parikh)
25k- small cap ( quant/Tata)
25k - Mid cap (quant / Motilal)

Please help I know 3yrs is very short but let me if it is ok as/ If this is not correct diversification then please let know how and where to invest 3.5lakh for next 2-3 yrs for best possible returns

 

[Skylar]

First, if it’s your mobile number in the profile name, consider changing it; otherwise, you’ll be receiving calls from scammers, and your 3.5 lakh could be at risk of being scammed.”

 

[7289832000]

Thanks for the tip bro, It isn’t my mobile number just a random number. Now can you pleas help me with the concern

 

[Skylar]

Now can you pleas help me with the concern

In light of the upcoming elections, ongoing market volatility, and factors like tax-loss booking, SEBI stress testing, and electoral bonds, the market is currently highly volatile. Considering this, it might be prudent to wait for stability before making any investment decisions. Since you’re not interested in mutual funds, seeking expert opinions would be a wise approach.
@anuragmukherjee28 @ShavirB

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[ShavirB]

Hello people,

I have 3.5 lakhs and my father wants to invest it all in Fd and the duration is just 3yrs cause this is for a car, as FD is safer and no risk and as per Latest vid on Bekifaayati the max interest per annum I can get is with Jana small bank 8.5%

But I want better returns and wants to make the best return possible in 3yrs and I consider myself a conservative so after researching a lot this is what I came up with can someone look if it is correct

1lakh- Fd
1 lakh - Axis/Icici bluechip /Nippon largecap
1 Lakh- conservative hybrid ( Sbi/ Parag parikh)
25k- small cap ( quant/Tata)
25k - Mid cap (quant / Motilal)

Please help I know 3yrs is very short but let me if it is ok as/ If this is not correct diversification then please let know how and where to invest 3.5lakh for next 2-3 yrs for best possible returns

3 years is a very short time period to be investing in Equity Mutual Funds. For 3 years, Small Finance Bank FD is your best bet

 

[SUMIT1]

high volatility can be seen in market...India election/U.S. election...market at high and your time frame is less....go with FD....

 

[shreyanshmaloo]

Hello people,

I have 3.5 lakhs and my father wants to invest it all in Fd and the duration is just 3yrs cause this is for a car, as FD is safer and no risk and as per Latest vid on Bekifaayati the max interest per annum I can get is with Jana small bank 8.5%

But I want better returns and wants to make the best return possible in 3yrs and I consider myself a conservative so after researching a lot this is what I came up with can someone look if it is correct

1lakh- Fd
1 lakh - Axis/Icici bluechip /Nippon largecap
1 Lakh- conservative hybrid ( Sbi/ Parag parikh)
25k- small cap ( quant/Tata)
25k - Mid cap (quant / Motilal)

Please help I know 3yrs is very short but let me if it is ok as/ If this is not correct diversification then please let know how and where to invest 3.5lakh for next 2-3 yrs for best possible returns

You would be better off in an FD because it is completely risk free. You can choose to invest in conservative and blue-chip fund if you are willing to take some extra risk but don't go for smallcap or midcap for just a period of 3 years. There is a good chance that you will actually see losses in them. If your investment horizon would have been greater than 10 years than that would have been a completely different story.

 

[zacobite]

Hello people,

I have 3.5 lakhs and my father wants to invest it all in Fd and the duration is just 3yrs cause this is for a car, as FD is safer and no risk and as per Latest vid on Bekifaayati the max interest per annum I can get is with Jana small bank 8.5%

But I want better returns and wants to make the best return possible in 3yrs and I consider myself a conservative so after researching a lot this is what I came up with can someone look if it is correct

1lakh- Fd
1 lakh - Axis/Icici bluechip /Nippon largecap
1 Lakh- conservative hybrid ( Sbi/ Parag parikh)
25k- small cap ( quant/Tata)
25k - Mid cap (quant / Motilal)

Please help I know 3yrs is very short but let me if it is ok as/ If this is not correct diversification then please let know how and where to invest 3.5lakh for next 2-3 yrs for best possible returns

pls put all in fd with jana bank or any bank..if this is for a planned expense in 2 yrs.. u cannot take any risk.. max to max you put 2.5 L in FD and 50k in a LARGE CAP Fund.. small / midcap are risky and you may also lose money.. this yr will be tough!!