We all are emotionally attached to the money we earn. We should be, afterall, it is by our hard work and efforts. And after doing all the required expenses, we have our savings i.e. our personal finance with us. We always look out for ways to invest our personal finance into places from where we can get the best returns. Some of us invest in bank deposits, some into real estate and some into mutual funds. I am sure there are many more ways and avenues. Right now, I am going to talk about the latter. I will discuss about Mutual Funds in three sections:

1) When to buy

2) Where to buy from

3) What to buy

Mutual funds have been the hot cake in India for a long time. However, since the past few years, investors have been a bit reluctant to invest in mutual funds due to the unpleasant changes in our economy. But presently, India is changing. The Modi government has been very active in reviving our economy. By launching revolutionary initiatives, India is now set to reform and the economy is thus to see a steep upward growth. As an alert investor, it is very necessary to take part in this growing stage by the right set of investments. Thus, NOW is the time to invest.

Off late, I had been studying and analyzing a lot of such options where I can invest my money to benefit from this. This takes me to my second part – WHERE to buy from? Stuck in our busy lives, it is not practical for most of us now to go to the Mutual Fund offices and spend time in commutation, waiting and one-to-one interaction. Thus, I had been spending excessive time on the internet to help me on this in the right way. After an extensive research, I found the FundsIndia website. I do not say this because of their user-friendly interface and very simple navigation. Well, that is a basic necessity these days and they have fared excellently well on that front. More than that, what matters to me, is the trust and reliability of the website, and FundsIndia has proved itself on this criterion too.

Now, we know that NOW is the time to buy and FundsIndia is the place. But what to buy? Afterall, they have an endless list of investment products. My personal take on this will be their New India Portfolio. After my detailed research, I was convinced that they have developed this portfolio after analyzing hundreds of schemes. I was impressed to learn that they had identified specific funds which are going to benefit from the revival story of India. This minute level research is what matters in the industry and their study is definitely laudable. And as India develops, these identified funds are also set to grow which will ultimately deliver great returns to the investors. What a perfect scheme 🙂

And well, it does not end there. They have more to offer:

FREE registration – Yes exactly! They do not charge the customer to register or rather not even to invest.

Value addition – Their role doesn’t end with mere investment. They give access to the investors to innovative SIPs, Triggers and Reports. And well, all for no extra cost!

Product spectrum – Variety is the spice of life and Mutual Funds, Stocks, Deposits, Gold etc. add the right variety to an ideal investment.

So what exactly makes their New India Portfolio? Let me elaborate.

A diversified fund – We all are aware that a diversified fund consisting of the premium blue chip companies and with a general bias for large cap companies provides stability to the portfolio. And as a thumb rule, such a fund is necessary in any core portfolio of an alert investor. At FundsIndia, they have chosen such a diversified fund that scales high on a risk-adjusted basis, and has low volatility. This makes it an ideal combination and with their consistent track record of more than 5 years, it is a must have.

A mid-cap fund – Capturing the potential in quality mid-sized companies is necessary for an investor because such companies usually outperform broad markets. Moreover, the mid-sized companies, in a scenario of an easing interest rate benefit from the financial leverage. And higher capacity utilization will give the operating leverage. So for a long term, these companies are well position to gain. FundsIndia has tried to mitigate the risks from a typical mid-cap fund by choosing companies that are less volatile, even as its portfolio is well placed to capture the upside from economic reforms. With a consistent track record of over 5 years, this is dependable.

A diversified theme fund – Diversity is of extreme importance in investments and FundsIndia has taken this into account. They have chosen funds that will invest into multiple avenues that are meant to act as building blocks for the economy. Since a revival is expected from the cyclical sectors, this fund is also expected to benefit from it. Our GDP is highly dependent on such cyclical sectors, like manufacturing, infrastructure, banking, auto etc. History has witnessed this, e.g. in 1992-97, as well as the 2003-2008 rally.

A long-term debt fund – The interest rates are falling and it is necessary to provide the right asset allocation in this time. For this, FundsIndia has added an income fund. The fund seeks to play the credit spread – which is the difference between the government bond (called gilt) and corporate bond rates. It also takes higher exposure in government securities, if the interest environment is conducive. This fund takes exposure currently to medium-to-long term maturity government securities and AAA-rated bonds, and is ideally placed to gain from a debt rally.

So well, if you are looking for a high risk-high return predominantly equity portfolio with some amount of debt, and are willing to hold for at least 5 years, then you could consider New India Portfolio for long term wealth creation.

Disclaimer – Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

Mr. Anand Bhate
Mr. Anand Bhate
Mr. Anand Bhate is the Director of 'Jeevan Anand Builders', a Gujarat based real estate development company. He is an active investor in the Indian Stock Markets. Moreover, writing is his passion and in 2016, he co-authored a fiction novel "C + Plus Doctor Thepla", which went on to create a World Record! He has pursued his MBA from Symbiosis Institute of Business Management, Bengaluru.


  1. Minu Nair says:

    Nice to know about this. I will try it out.

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