I want to invest money in SIP for my retirement & kid's education &marriage. How is bajaj capital.San-Canada

Since last 3 years i am in Canada. I have one son.I am 35 years old. I made some good savings in Canada. Now, i am coming back to india. I am thinking to invest my money in SIP for my retirement and also for my son's education and his marriage. I read about Bajaj Capital and its SIP plans. Can you suggest me should i have to go with it or not? If there is another good scheme or plan for my purpose; please send me your reply.
I preffered to invest in government sector . or you can suggest any good mutual fund .

I am guessing you are investing/thinking about investing in market instruments for the first time. That's why I am giving you a slightly broader perspective before going onto suggest specific mutual fund instruments.

There is nothing like starting early, in your investing life and use the power of compounding to your advantage. To understand power of compounding, consider this excellent article at http://www.valueresearchonline.com/story/h2_storyView.asp?str=4007

Next, you can invest in a mix of the following strategies, depending on your investing risk profile, as indicated below. Invest only those funds that you do not need. Create an emergency fund, roughly equal to 4-6 months of regular monthly expenses. Once this is covered, you may have funds that you will not need say for next 3-5 years for regular or emergency expenses. Use these funds to invest wisely. You need to remain invested for the long term, since you want capital growth.

Conservative Risk Profile (you seem to be of this type; someone who wants his principle to be secure and is looking for a decent growth over the long term)

1. PPF (Public Provident Fund) - account can be opened with any State Bank of India branch. This gives you a compounded 8% return per year, is currently tax free, and is the safest instrument available. Invest 50% of sparable funds in that

2. A Balance fund like HDFC Prudence Fund - This Mutual Fund invests in both equity (65%) and debt (35%) instruments. This is one of the safest funds with a great track record of over 14 years, and has been giving a compounding return of around 20-25% per year. This fund has one important virtue: it manages to lose less than the category average in periods of downside. Couple this with its tendency to top charts & you get a safe & sure fund in HDFC Prudence. Invest 30% of the funds in HDPC Prudence.
check out HDFC Prudence fund analysis at
http://www.valueresearchonline.com/funds/fundanalysis.asp?schemecode=600

3. Equity Diversified MF -like SBI Magnum Contra, Reliance Growth.
These are funds having a very good long term record in delivering great returns with low to average risk. They have figured among the top fund ratings for a very long time. Invest the balance 20% in funds like these
Check out more on the top rated funds at http://www.valueresearchonline.com/toprated.asp

Moderate Risk Profile (someone who can take a little more risk with some of his money)
PPF -40%; HDFC Prudence -30%; SBI Contra or Reliance Growth fund -30%

Aggressive Risk Profile (someone who can take higher risks with some of his money)
PPF-20%; HDFC Prudence -30%; SBI Contra or Reliance Growth - 50%

You may also like to see answers to a similar question asked before in this forum
http://in.answers.yahoo.com/question/index;_ylt=AmV7qVfcDTODAkGsJotETrq5HQx.;_ylv=3?qid=20080514144227AA9iCLE

much more better options than that

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Yes, there is another good scheme for your purpose.
Better open a high yield account in a bank in Eastern Europe. You will get a 12% APY with NO RISK. All deposits are insured by the government.
12% annual return is guaranteed

I have opened such a high yield account 5 years ago. Email me for more info.

Good luck!

Hi, If you want good returns then you'll have to take risk and invest in good mutual fund schemes like Kotak 30, Sundaram Select Focus, ICICI Pru Infrastructure Fund. You can invest in fixed return schemes but the returns are low and you wont be able to fight inflation.
http://www.investorcamp.blogspot.com

Bajaj capital is just an agent for investing in the mutual funds.
You need to select a good performing mutual fund and thern approach bajaj capital for investing in this fund.
Investing in govt. sector related funds like the debt and bond based funds will not give you more returns.
For earining more returns u should invest in equity based funds.
You can invest in SBI Magnum contra fund.

its 1;30 in night here,!

i dont think so u will answer to this query in night !

ask ur question in day!
mat some of the finance related person anwer u!

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