We believe that regular income seekers should invest some portion of their money, roughly a third, in equity and the rest in fixed income or equivalent. One can create such an asset allocation by combining equity and debt funds. ... But for those looking for convenience can opt for equity savings funds which invest about a third each in equity, equity arbitrage and debt. To derive dependable, inflation-protected income, invest your accumulated savings in a couple of good equity savings funds and maintain a withdrawal rate in the range of 4-6% of the value of your investment every year. Below is the list of equity savings funds rated four or five star by Value Research. Read more
Fund name | Rating | Analysts' View | Category |
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Expense Ratios (%) | Add to watchlist | Add to My Investments | ||||
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Returns (%) | Returns (growth of 1 lakh) | SIP Return (%) | SIP Return (growth of 10k/mth) | ||||||||
Baroda Conservative Hybrid Dir | HY-CH | 12.73 | 1,12,733 | 13.00 | 1,26,921 | 1.22 | |||||
BNP Paribas Cons Hybrid Dir | HY-CH | 11.47 | 1,11,465 | 16.18 | 1,28,567 | 0.77 | |||||
Canara Robeco Cons Hybrid Dir | Invest Online | HY-CH | 14.46 | 1,14,458 | 20.07 | 1,30,561 | 0.58 | |||||
ICICI Pru Income Optimizer (FOF) Dir | Invest Now | HY-CH | 12.75 | 1,12,754 | 23.02 | 1,32,056 | 0.54 | |||||
ICICI Pru Regular Savings Dir | Invest Now | HY-CH | 13.16 | 1,13,161 | 18.82 | 1,29,925 | 0.91 | |||||
IDFC Asset Allocation Cons Dir | HY-CH | 9.98 | 1,09,984 | 14.83 | 1,27,869 | 0.14 | |||||
Indiabulls Savings Income Dir | HY-CH | 12.98 | 1,12,983 | 22.11 | 1,31,597 | 0.25 | |||||
Kotak Debt Hybrid Dir | Invest Online | HY-CH | 17.46 | 1,17,456 | 25.10 | 1,33,107 | 1.10 | |||||
LIC MF Debt Hybrid Dir | Invest Online | HY-CH | 9.48 | 1,09,482 | 11.47 | 1,26,121 | 1.50 | |||||
SBI Magnum Children's Benefit - Savings Plan Dir | Invest Online | HY-CH | 17.26 | 1,17,262 | 26.17 | 1,33,643 | 0.73 | |||||
Tata Retrmnt Savings Cons Dir | Invest Online | HY-CH | 13.62 | 1,13,619 | 17.70 | 1,29,351 | 1.07 |