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Way To Begin

Instead of a large-cap or large- and mid-cap fund, new investors should begin with SIPs in a balanced fund…

I am 29 and new to mutual fund investing. I want to invest through SIPs and wish to know if it is advisable to directly invest in large-cap and large & mid cap funds? Please suggest some funds that I can invest in to start?- Vinod Menon

For a new investor you should ideally start investing through SIPs in a balanced fund such as HDFC Prudence or HDFC Balanced. However, if you understand the risks associated with mutual fund investing; you can invest in large-cap funds such as Franklin India Bluechip, DSPBR Top 100 Equity or ICICI Pru Focused Bluechip and large- and mid-cap funds such as HDFC Top 200 or Fidelity Equity. All these funds are highly rated and have a proven track record and performance history to invest in. You should invest regularly in these funds and track its performance over time to make changes in fund selection if needed.

This article was originally published on August 12, 2011.

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