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Ask RoboI am 34 yrs. new to investiments, working in UK for 1 yrs deputation, want to invest where i can get maximum returns and less risk, money security is must.
Rohit Vishwakarma asked 6 months ago
1 Answers
Roboadviso answered 6 months ago

Hi Rohit,
We will need some additional information such as time horizon of the investments i.e when will you need the money back.
If you need the money in one to 3 years of time horizon then you should go for debt funds which will provide you better risk adjusted returns. The money would be safe and we can expect a return of 7 -7.5%. Some of the recommended debt funds are as follows.

  • Aditya Birla Sun Life Savings Fund 
  • Franklin India Low Duration Fund

if the time horizon of the investment is more than 5 years then you can go for a conservative hybrid funds in which the equity and hybrid debt allocation changes depending on the market valuations.

  • ICICI Prudential Balanced Advantage Fund  

Happy Investing!

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