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Baby Steps

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I want to save for my 1-month-old daughter. I can invest up to Rs 10,000 per month for the next 10-15 years. What debt-equity allocation should I follow and what funds to invest in?
- Devendra Mishra

With the time frame that you have in mind, you can be an aggressive investor and consider an 80:20 equity-debt allocation. You can invest the Rs 10,000 you mention across 2-3 funds that have a large and madcap exposure such as HDFC Top 200 Growth, DSP Blackrock Top 100 Growth, IDFC Premier equity and Birla Sun Life Mid Cap fund. Opt for the growth option in these schemes.

This article was originally published on November 15, 2010.

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