Is this a good time to invest in mutual funds?

As the market is going higher and higher. I would like to know is this a good time to invest in mutual funds. Most probably I will go tax savings funds. Please let me know which one I could buy also let me know when can invest?

Thanks

A very difficult question to answer. I see that you have a previous response that said yes and one that said no. The problem is that no one knows for sure what the future might hold. Here is what I suggest that you consider doing. Take the amount that you considered investing in mutual funds and split it into 4 equal parts. Invest one part now into a mutual fund that you think is good. The other 3 parts place into a guarnteed account, bank account or short term government bonds. Six months from now, invest the 2nd part in the mutual fund if the fund has increased in value. If it has not, do not do anything. Six months later go through the same exercise. That way you are not risking more than 1/4 of your funds initiially. And always keep 1/4 in reserve in case there is a terrible stock market crash. That is the time that you can invest and make a lot of money so save for that event. Crashes come more often than most people want.

it is almost always a good time to invest in mutual funds, if they are garaunteed even better if you don't need the money at this point

no. this is not a good time for investing. you wait some time and study market and when it is go down, then you invest. it is good idea to get more profit

ask google

If you are going into tax savings funds only, you need not bother about the present trend. In three years time your fund should do better. Contact me at cvrkswami at gmail dot com with the details of present mutual fund holding and i shall indicate the right fund and the right proportion.

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look at buy sell signal of index bse nse on monthly quarterly chart

and invest accordingly

or always go for balance fund of sbii uti hdfc icici etc or FOFund

details in my best answers

Yes

I think you will get the answers from the TV Channel. CNBC is the best to know all about the Equity & Funds. But if you are the demant acount holder of ICICI Bank, Than nothing like that. You will get the every information on Funds. But I mostly belive in ICICI & Reliance Mutual Fund. They are very strongly & More ther are safely. So go head Don't Wait time is going on. Every day you maney will increase But some time it may decrease also. After all life itself is also a Risk

in this time you can investment in birla tax relief,icici tax,hdfc tax, fund.Birla giving 1000% divided dec.-second week.

Tax saving ELSS funds have a lock in period of three years. So you will not be able to move out of investment for 3 yrs. You must first decide as to what duration you want to keep your investments for. If it is upto 3 years and you dont want tax benefit then divide your total investment into equity linked as well as balanced funds. Technology sector funds are always going up for past entire year and so are banking funds. If you are not ready to take risk in rising market with a fear that markets may fall you may consider investing into tech or banking sector funds after proper & informed study. If your investment is for long term that is more than 5 years then go in for a balance of more equity proportion and less balanced fund. But in both the cases you must regularly review your investments say every month in order to keep a check. Also keep changing your portfolio. Get out of funds having slower growth and invest in funds having higher growth during the investment period.

If going in for tax saving fund, then HSBC and Lotus are launching new funds so you will get more units at face value. Lotus offer closes on dec 5 and Hsbc on dec 15.

Mutual funds aren't very good investments. Their design gives them a disadvantage compared to stocks.

The mutual fund managers and their employees all have to get paid, which isn't bad, but it cuts into your earnings as an investor. Essentially, mutual funds add a middleman when you don't need one. Unless the fund is getting insider information (in which case you don't want to buy into it for legal reasons), then a financial adviser could find out the same information about the company that the fund can. Warren Buffett said risk comes from not knowing what you're doing, so do some research and rely on yourself to make good decisions with an adviser. It cuts out the middleman and makes you more confident about your portfolio.

Another problem is there are fees that they don't have to disclose to investors. As a result, you don't know how well they're using your money. Obviously, since this is your money, you should know how well it's being used so you can be sure this is the best investment.

The Internet has made it too easy to do research into a company to be lazy. Do some research, learn what qualities make a good company, find out what ROE, Debt/Equity, and profit margin mean, and learn how to use a stock screener to find good companies to invest in. You'll be more confident about your portfolio when you know what you're talking about when you talk with your adviser.