sipgoalMore than 5 YR

Can you please suggest mutual funds portfolio for 5 years with 10K investment per month?

I am planning to get a house for myself in another 5 to 8 years. If 8 years is when i can get the most effective returns then i am fine in waiting for 8 years as well. The amount that i am looking for is to pay the initial payment for house barring the house loan i might take after 8 years.


The decision of investing money in any investment tool must only be taken after considering your investment horizon, amount, risk taking ability, etc. As per the details available, I have identified 2 funds that best meet your criteria - High Risk High Returns and Rising Stars - Small Cap Long Term.

High Risk High Return is ideal for investors whose objective is to earn maximum returns, and are not turned off by taking risk to match the high return.The fund invests in small cap and mid cap companies as well as sectoral funds, meaning it is an all equity fund. Thus, they are highly subject to market volatility. Since inception, the fund has consistently outperformed its benchmark, Nifty 50. The 5-year average return of 28.77% p.a beats 11.86% generated by Nifty 50. The ideal duration for investment ranges between 5 to 10 years. An investment of ₹10,000 each month for 5 years would appreciate your investment to ₹11,93,035. Investing the same amount for 8 years will generate returns that should be enough to meet the down payment for your house.

Another fund that meets your requirement is Rising Stars - Small Cap Long Term. Historically generating annualized return of 47.91%, an investment of ₹10,000 each month for only 3 years would generate almost ₹5,00,000. The fund is, like all other small cap funds, subject to index volatility. Its 3 year annualized return of 23.77% p.a has outperformed Nifty 50 returns of 7.86% p.a. during the same period. The ideal investment duration is upto 5 years and is subject to high risk, which is hedged only to a small extent by its exposure to debt securities.

For investment advice designed to specifically meet your objectives, you can contact Groww.

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