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Is it the right time to invest?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

ET Online|
Sep 19, 2019, 02.13 PM IST
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Currently, the market is down. Is it the right time to invest in mutual funds? And is it advisable to invest a lumpsum or SIP? And which funds should I choose?
-Rahul Malhotra


It is always the right time to start investing. You should remember that your investment is meant to take care of a financial goal. If you have a long-term financial goal that need to be met in seven, 10 or 15 years, you should consider investing in equity mutual funds. And you should always choose a mutual fund scheme that is in line with your risk profile. For example, if you are a conservative equity investor, you should invest in large cap mutual funds. Moderate investors can consider investing in multi cap mutual funds.

If you want to invest a certain part of your salary every month, SIP or systematic investment plan is a great tool. It helps you to invest regularly without bothering about the prevailing conditions in the market. It also helps you to buy more units when the markets are down and maximize wealth over a long period.

If you have a lumpsum that you want to invest for a very long period, you may consider investing it at one go. Otherwise, it is always safer to stagger your investments through SIPs or STPs over a few weeks/months depending on how much money you have.
(If you have any mutual fund queries, message us on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.)
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