Contents
- List of 10 Best Mutual Fund for Lump Sum Investment
- 1. ICICI Prudential Bluechip Equity Fund – Regular – Growth
- 2. Axis Focused 25 Fund – Regular – Growth
- 3. Reliance Large Cap Fund – Regular – Growth
- 4. Mirae Asset Emerging Bluechip Fund
- 5. Kotak Emerging Equity Scheme – Regular – Growth
- 6. Tata Equity P/E Mutual Fund – Regular – Growth of your Lump Sum Investment
- 7. HDFC Small Cap Mutual Fund – Regular – Growth – for your Lump Sum Investment
- 8. Aditya Birla Sun Life Tax Relief 96 – Regular – Growth
- 9. SBI Banking & Financial Services Fund – Regular – Growth
- 10. UTI Nifty Index Mutual Fund – Regular – Growth for your Lump Sum
You just received a message that a distant relative has left an unexpected inheritance for you. Or that you’ll soon receive the payment that you had considered as a bad debt of a friend long-ago and long-lost. Or, maybe, the boss has been in a really good mood at the time of considering your bonus.
I know even visualizing about such situations bring a broad smile on our faces. And we start making a list in our mind of all the things we will buy with that windfall. We already start spending the amount. But, in the back of our minds, we all know that such windfalls are an opportunity for us to save. If not in whole, at least a part, a major part, of the sum must be saved. And saved smartly.
Now, this “Saving Smartly” is where we get nervous. We struggle to understand where and how to choose the best investment option. There are several options available in India, to save. You can save in Bank FDs with very low returns, gold with non-existent returns or, even, equities, well known for their fluctuating values. However, nobody can deny that the Best option is Mutual Fund for your Lump Sum Investment.
If you are still with us and seriously considering Mutual Funds to invest your Lump Sum. For you, we are providing a List of Best Mutual Fund, with all the relevant information, out of which you can select your Lump Sum Investment.
List of 10 Best Mutual Fund for Lump Sum Investment
| Fund Name | Category | Risk Factor | 1-Year Return | 3-Year Return | 5-Year Return | Expense Ratio | |
|---|---|---|---|---|---|---|---|
| Large Cap | Moderate-High | 7.39% | 14% | 11.48% | 1.85% | ||
| Focused Equity | Moderate-High | 3.68% | 16.96% | 14.69% | 2.05% | ||
| Large Cap Equity | Moderate-High | 11.13% | 15.77% | 12.88% | 1.94% | ||
| Large & Mid Cap Equity | Moderate-High | 11.87% | 19.36% | 21.95% | 0.8% | ||
| Mid Cap Equity | Moderate-High | -0.49% | 11.96% | 17.22% | 2.18% | ||
Tata Equity P/E Fund – Regular – Growth | Value Equity | Moderate-High | 1.99% | 15.38% | 13.75% | 1.95% | |
| Small Cap Equity | Moderate-High | -5.48% | 16.9% | 15.57% | 2.02% | ||
| Aditya Birla Sun Life Tax Relief 96 – Regular – Growth | ELSS Equity | Moderate-High | -0.47% | 12.57% | 14.64% | 2.04% | |
| Sectoral or Thematic Equity | High | 17.98% | 21.83% | N.A. | 2.49% | ||
| Index & Others | Moderate-High | 12.02% | 14.68% | 10.36% | 0.17% |
1. ICICI Prudential Bluechip Equity Fund – Regular – Growth
This ICICI Mutual Fund has been given a 5-Star Ranking by several agencies. With its High Returns and Low Expense Ratio, it beats the peer group by quite a large margin. The volatility is lower, too.
Details
| NAV | 43.43 |
|---|---|
| AUM | 22,182 Cr |
| Minimum SIP Plan | Rs. 100 |
| Performance | Has outperformed the benchmark NIFTY 100 TRI |
| Age | 10+ Years |
| Exit Load | 1% if redeemed within 1-year |
Investment Objectives
The Fund seeks to generate long-term capital appreciation and allocate the income to the shareholders. The Fund Manager has to follow a stipulated guideline to pick stocks. Out of the top 200 stocks in terms of market capitalization from the NSE (National Stock Exchange).
The Portfolio consists of Equity and Equity Related Securities of 20 companies. These companies must belong to the Large Cap. The balance is put into Debt Securities and Money Market Instruments.
Currently, the Portfolio boasts of invested into HDFC Bank Ltd, ICICI Bank Ltd. It also invests in NIFTY (Futures) and other money market instruments.
Holding
ICICI Prudential Bluechip Equity: WealthBucket
2. Axis Focused 25 Fund – Regular – Growth
This AXISMF, also, has been ranked 5-Star by several agencies.
At the time when all other Funds from this category were falling, this Fund still managed to hold on to a positive return. Especially during the IL&FS NBFC crisis of last year.
This was made possible because the Corpus was invested in the stocks of Top leaders in their particular industries. These are HDFC Bank Ltd., Maruti Suzuki Limited, Avenue Supermarts Ltd., Bajaj Finserv, Pidilite Industries, to name a few.
Details
| NAV | 28.75 |
|---|---|
| AUM | 7,978 Cr |
| Minimum SIP | Rs. 1000 |
| Performance | Has outperformed the benchmark NIFTY 50 Total Return consistently |
| Age | 7 Years |
| Exit Load | 1% if redeemed within 1-year |
Investment Objectives
A significant portion of the Fund is invested in Equity and Equity Related Securities. The Portfolio, generally, consists of 25 companies only.
Holding
Axis Focused 25 Fund: WealthBucket
3. Reliance Large Cap Fund – Regular – Growth
For those looking for Mutual Fund for their Lump Sum investment for a long-term holding, this Fund proves to be one of the best ones. The Fund is protected from the impact of Market Fluctuations because the Corpus is invested in Large Cap Companies.
It has managed to outperform other Mutual Funds in the same category, not only its benchmark.
Details
| NAV | 35.87 |
|---|---|
| AUM | 13,170 Cr |
| Minimum SIP | Rs. 100 |
| Performance | Has outperformed the benchmark NIFTY 100 TRI since consistent periods of time |
| Age | 10+ Years |
| Exit Load | 1% if redeemed within 1-year |
Investment Objectives
The Fund seeks to achieve a long-term capital appreciation for the investors. To attain this goal, the Corpus is invested in Equity and Equity Related Instruments. The companies are selected on the basis of Market Capitalization which is within the range of BSE-Sensex 200 Index (an average of Highest & Lowest is taken).
Another objective is to invest in the Debt and Money Market Securities.
Holding
Reliance Large Cap Fund: WealthBucket
4. Mirae Asset Emerging Bluechip Fund
The Portfolio is invested in Large Caps performing on the higher side. Such as HDFC Bank Ltd, ICICI Bank Ltd, RIL, Kotak Mahindra Bank, etc. And the Mid Caps of Bharat Financial Inclusion Ltd, Tata Global Beverages Ltd, etc.
This Fund from Mirae Asset has attracted investor due to its very Low Expense Ratio. Thereby, beating its peer group in the benchmark.
Details
| NAV | 54.41 |
|---|---|
| AUM | 6,130 Cr |
| Minimum SIP | Rs. 1000 |
| Performance | Has outperformed the benchmark NIFTY Large MidCap 250 TRI since consistent periods of time |
| Age | 8+ Years |
| Exit Load | 1% if redeemed within 1-year |
Investment Objectives
The objective of this fund is to generate wealth appreciation for investments over the long-term. The Portfolio is invested in Equity and Equity Related Securities. The stocks are chosen whose market capitalization at the time of investment is 100 crores.
Holding
Mirae Asset Emerging Bluechip Fund: WealthBucket
5. Kotak Emerging Equity Scheme – Regular – Growth
This is a Mid Cap Equity Mutual Fund Investment. Still, this is less volatile than that of its benchmark and peer group.
Moreover, the expense ratio for the Fund, from the house of Kotak Mutual Fund, is quite low too.
Therefore, if you have a High-Risk appetite and want to reap in the benefits of Mutual Funds in the space of Mid-Cap Equity, you can invest in this fund for long-term.
Details
| NAV | 39.36 |
|---|---|
| AUM | 4,326 Cr |
| Minimum SIP | Rs. 1000 |
| Performance | Has outperformed the benchmark NIFTY MidCap 100 TRI since consistent periods of time |
| Age | 12+ Years |
| Exit Load | 1% if redeemed within 1-year |
Investment Objectives
The objective of this fund is to keep open for the potential opportunities in the Mid and Small Cap. Thereby, generating wealth appreciation by investing for the long-term. The Portfolio is invested in Equity and Equity Related Securities.
Holding
Kotak Emerging Equity Scheme: WealthBucket
6. Tata Equity P/E Mutual Fund – Regular – Growth of your Lump Sum Investment
This Mutual Fund from TATA has been able to beat its peers, since its launch, consistently. The Portfolio contains a good blend of Large Caps, Mid Caps stocks. Some Money Market stocks are also included. Also, some part is invested in Financial Services, Automobiles, and Energy Sectors. All these sectors have great potential to grow.
The size of the Corpus, along with the Expense Ratio, both are low. That indicates a good growth in the future.
Details
| NAV | 136.36 |
|---|---|
| AUM | 5,602 Cr |
| Minimum SIP | Rs. 500 |
| Performance | Has outperformed the benchmark NIFTY 50 Total Return consistently |
| Age | 15 Years |
| Exit Load | 1% if redeemed within 18-months |
Investment Objectives
The main investment objective of this Fund is to provide reasonable and regular income to the investors along with possible capital appreciation.
Holding
Tata Equity P/E Fund: WealthBucket
7. HDFC Small Cap Mutual Fund – Regular – Growth – for your Lump Sum Investment
The main focus of this plan from HDFC Mutual Fund is investing in the Small-Cap and Mid Cap. Last year, the position of this space was not quite well. Still, the fundamentals were found to be good in terms of business. These were KEC International, SKF India Ltd., NRB Bearings Ltd., Sharda Cropchem Ltd., NIIT Technologies Ltd, etc.
Also, some portion is invested in marquee names such as Aurobindo Pharma Ltd., and safe Money Market Instruments.
Hence, you can put your money for long-term in this Mutual Fund for your Lump Sum investment. And as the fund has corrected last year, NOW is the appropriate time.
Details
| NAV | 43.22 |
|---|---|
| AUM | 8,403 Cr |
| Minimum SIP | Rs. 500 |
| Performance | Has outperformed the benchmark NIFTY Smallcap 100 TRI consistently |
| Age | 10+ Years |
| Exit Load | 1% if redeemed within 1-year |
Investment Objectives
This Mutual Fund seeks to generate long-term capital appreciation for the investors by investing in these three instruments majorly:
- Equity and Equity Related Instruments,
- Money Market Instruments, and
- Equity Derivatives.
Holding
HDFC Small Cap Fund: WealthBucket
8. Aditya Birla Sun Life Tax Relief 96 – Regular – Growth
This is an ELSS Fund, from the house of Aditya Birla Group. Therefore, one of the Tax Saving Mutual Funds. If you are looking for some Tax Exemption. All ELSS Mutual Funds are best suited for this purpose.
Moreover, such Funds also help in inculcating a habit of regular and long-term saving, via the SIP. The minimum lock-in duration, as required for ELSS is three years, helps in this. As the investment duration is elongated, so the effects of the market get neutralized.
However, you can select this Mutual Fund for your Lump Sum Investment, based on a few considerations. For a detailed analysis, you may go through Lump Sum Investment.
Details
| NAV | 31.47 |
|---|---|
| AUM | 8,913 Cr |
| Minimum SIP | Rs. 500 |
| Performance | Has outperformed the benchmark NIFTY 200 TRI consistently |
| Age | 10+ Years |
| Exit Load | NIL |
Investment Objectives
This being an ELSS Fund, the main objective is to provide growth in wealth over a long duration of the investment. Not to forget the tax saved on mutual funds by investors. Section 80C of the Income Tax is applicable. Under which, an exemption of a maximum of Rs. 1,50,000 can be claimed out of the total investments under various schemes. ELSS is included in these schemes.
So you can say, investing in this Fund provides double benefits. Capital Growth as well as Tax Panning.
Holding
Aditya Birla Sun Life Tax Relief 96: WealthBucket
9. SBI Banking & Financial Services Fund – Regular – Growth
The Risk attached to this Fund is high. Because it is a Focused Fund, investing only in the Financial Sector. However, as most of its portfolio is invested in Private Banks, so that makes it safer, somewhat. The market value of the Private Banks has been seen a rising. On the other hand, many Public Sector Banks have not been doing so well, due to their bad debts. So the composition of more Private Holding is attractive in this Fund.
The majority of the Portfolio is invested in stocks of the leading names of the industry. A few of them being HDFC Bank, Kotak Mahindra Bank Ltd., ICICI Bank Ltd., Bajaj Finance Ltd., Axis Bank Ltd., Bandhan Bank, etc.
The Fund Size is small, so the growth potential is more. If you have faith in the growth story of India. And are planning to keep invested for a longer-term. This Fund is a good alternative for investing.
Details
| NAV | 18.92 |
|---|---|
| AUM | 892 Cr |
| Minimum SIP | Rs. 500 |
| Performance | Has outperformed the benchmark NIFTY Financial Services TRI consistently |
| Age | 5+ Years |
| Exit Load | 1% if redeemed within 1-year |
Investment Objectives
The Corpus of this Fund from SBI Mutual Fund AMC is invested in Equity and Equity Related Securities. Stocks of leading Financial Service Companies are selected. The objective is to create wealth over the long-term.
Holding
SBI Banking & Financial Services Fund: WealthBucket
10. UTI Nifty Index Mutual Fund – Regular – Growth for your Lump Sum
If you don’t want a Mutual Fund for your Lump Sum Investment due to the market fluctuations. That is, you are looking for a low-risk investment mode. You can invest in an index fund. The volatility of such Funds is similar to the sector.
Index Mutual Funds carry the potential of Good Returns at market level Risk. Some have been able to outperform several Large Cap Funds, with higher Returns.
This Fund is an attractive investment. For one, the Expense Ratio is quite Loe. And secondly, the Fund Size is also low, showing potential for growth.
Details
| NAV | 77.97 |
|---|---|
| AUM | 1,374 Cr |
| Minimum SIP | Rs. 500 |
| Performance | Has outperformed the benchmark NIFTY 50 Total Return consistently |
| Age | 19+ Years |
| Exit Load | NIL |
Investment Objectives
The goal is to invest in stocks in the same Index. Because this is an Index Fund.
This Index Fund by UTI Mutual Fund has been given a ranking of 5-stars by several agencies, too. So you must consider investing in this one.
Holding
UTI Nifty Index Fund: WealthBucket
Please Note: The information provided above has been based on Data as on 31 March, 2019. The past performance can not assure future returns.
The performance of the Funds listed above has been really good. And with the market in a recovery mode after the recession. You can look forward to selecting a Mutual Fund for your Lump Sum Investment.
Do remember to go through all the related factors as per your personal preference. You would know your Risk Appetite and Financial Goals best.
If you are clear about your priorities, it makes sense to take the assistance of experts. It makes sense to approach WealthBucket.
We are India’s leading firm, providing all services relevant to Mutual Fund Investments. Our range of services includes Debt Mutual Funds, Income Funds, Balance Mutual Funds, and much more.
Call now at +91 9999379929 or email at contact@wealthbucket.in.
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