MUTUAL FUND INVESTMENT: 8 BEST FUNDS FOR WOMEN BY EXPERT - BAJAJ FLEXI CAP FUND, KOTAK MULTI CAP FUND AND MORE

Mutual Fund Investment: Across India, more and more women are stepping forward to take charge of their financial futures. Some are taking their very first steps into the world of investing, while others have already begun their journey and are now looking for guidance to move ahead with confidence.

This growing participation of women investors marks a powerful shift, from being passive savers to becoming active wealth creators. Financial awareness and independence are no longer limited to metros; women from smaller towns and Tier 2, Tier 3 cities are emerging as new investors, breaking stereotypes and embracing the world of mutual funds and long-term financial planning. Here’s an example of some of the women investors who are seeking help in their portfolio. Let’s learn from Nikhil Kothari, Director of Etika Wealth, about the best investment strategies for women.

Mutual Fund Investment: 8 best funds for women by expert

Investor 1: Rajini Thakur

Investor Profile & Question:

• SIP Amount: Rs 3,000 per month
• Time Horizon: 20 years
• Age: 23 years
• Objective: Long-term wealth creation through consistent and patient investing
• Question: Where should I invest?

Expert Recommendation:

Invest in Bajaj Flexi Cap Fund (with a large-cap bias) and Kotak Multi Cap Fund (which invests across large, mid, and small caps).

1. Opt for a Step-Up SIP, increasing your SIP amount by 10% every year.
2. With a regular SIP of Rs 3,000, the estimated corpus after 20 years could be around Rs 27.5 lakh.
3. With a Step-Up SIP (10% annual increase), the estimated corpus could reach approximately Rs 55.8 lakh.
4. Maintain consistency and patience, and define your long-term financial goals clearly.

Mutual Fund Investment: 8 best funds for women by expert

Investor 2: Sita Gokani

Investor Profile & Question:

• Investor is recently retired (retired last year).
• Objective: Safe and beneficial investment of retirement corpus.
• Time Horizon: Approximately 10 years.
• Question: Where should I invest my retirement funds?

Expert Recommendation:

1. Allocate 10% of your corpus to an Equity Savings Fund, which has limited equity exposure (10-15%) and the rest in debt.
2. This category offers favourable taxation (approx. 12.5% tax if held for over a year) and high liquidity for emergency needs.
3. You may consider the ICICI Equity Savings Fund for this purpose.
4. Invest 30% in a Hybrid or Balanced Advantage Fund, which dynamically manages allocation between equity and debt based on market valuations.
5. Allocate the remaining 60% to Equity Funds to achieve higher long-term growth. This structure provides both stability and growth. With this balanced allocation and a 10-year investment horizon, you can build a stable and growth-oriented retirement portfolio.

Mutual Fund Investment: 8 best funds for women by expert

Investor 3: Jaspreet Kaur

Investor Profile & Question:

• Target Corpus: Rs 2 crore
• Investment Period: 10 years
• SIP Amount: Rs 8,000 per month (Rs 2,000 each in 4 funds)
• Current Portfolio:
• Kotak Large & Mid Cap Fund
• HDFC Mid Cap Fund
• Parag Parikh Flexi Cap Fund
• DSP Small Cap Fund
• Question: Review the portfolio and suggest changes if needed.

Expert Recommendation:

1. With a SIP of Rs 8,000 per month for 10 years, the expected corpus will likely be around Rs 18–25 lakh, depending on returns.
2. To reach a corpus of Rs 2 crore, either increase the investment horizon to 20 years, or increase SIP by 10% annually (Step-Up SIP).
3. With a 20-year horizon and 10% annual SIP increment, Jaspreet could potentially build a corpus of around Rs 1.5 crore.
4. The fund selection is well-diversified, covering large, mid, small, and flexi-cap categories. The portfolio is strong and balanced.
5. Continue with the same funds, maintain regular investments, and increase SIP amounts every year for compounding benefits.

(Disclaimer: The above article is meant for informational purposes only, and should not be considered as any investment advice. ET NOW DIGITAL suggests its readers/audience to consult their financial advisors before making any money related decisions.)

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2025-11-13T10:57:39Z