Periyasamy KS, one of our Value Research Premium subscribers, asks, "What is the difference between Balanced Advantage Fund and Equity Saver? Would the equity saver be the best bet compared to a balanced advantage fund?"
Equity savings funds are hybrid mutual fund schemes that carry moderate risks. The risk in these funds is lower than the aggressive hybrid funds. On the other hand, balanced advantage funds (or dynamic asset allocation) are mutual fund schemes that invest in a mix of debt and equity. They adjust their equity exposure based on market valuation.
To better understand, you can watch this video where Ashutosh Gupta of Value Research clearly differentiates between the two.
Gaurav Goyal, a regular reader of Value Research, wants to get a simple investment plan for his father, who is retiring in about two months. His father will probably be getting around Rs 50 lakh as a lump sum amount as a retirement corpus. Apart from this, he will be getting a regular pension of Rs 20,000 monthly.
First of all, we thank you for being a regular reader of Value Reader Online and learning about mutual fund investments from it.
The simple answer to your query is the portfolio planner of Value Research. With a few clicks, you will be able to get suggested investments. For more information, you can read our recent story 'Deriving income from investments'
Suggested read:
A financial plan for a 60-year old
A simple plan for a post-retirement income
Another query has come in from Bintu Bhattacharya wherein he wants to do SWP in his retirement for running income and wants to know the best SWP mutual funds.
Well, Mr Bhattacharya, an SWP can be initiated in any fund. Watch the video where Dhirendra Kumar talks about it.
Also, as described above, you can check out the portfolio planner of Value Research, where you will get a list of suggested funds to invest in to derive running income from your investments.
You can also post your query in the form given below.
This article was originally published on April 13, 2022.
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