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Subbu's Solution

I am 24 years old. I have a monthly surplus of Rs.4,000. I want to invest for the long-term but do not want to take much risk. Please suggest some investment options. Also, please suggest a few books that can educate me on making investments in mutual funds.
At your age and for long term generally equity is best suited. But then with high returns, it also comes with high risk. If you are looking for investment options that don’t carry much risk then you can invest some part of your surplus income in liquid fund and some can be invested in gold to give your portfolio some diversification. A balanced fund could also be a good option including a multi asset fund. There are a lot of financial gurus out there, Warren Buffet of Berkshire Hathway, John Bogle of Vanguard, Bill Bonner of Agora etc. who have written several books on investing right. Those books should give you a good insight into the world of investments. Moreover you could also consult a financial advisor to suggest you a scheme.

Disclaimer:

Subbu's Solution is authored by I. V. Subramaniam. I. V. Subramaniam is a director of Quantum Asset Management Company Private Limited. The responses expressed here are strictly for information and explanation purpose only. The responses are meant for general reading purpose and not to be considered as an investment advice / recommendation. The responses are not intended to be an offer or solicitation for the purchase or sale of any financial product or instrument or units of the Mutual Fund. Readers are advised to seek independent professional advice and arrive at an informed investment decision before making any investments. The Sponsor, The Investment Manager, The Trustee, their respective directors, employees, affiliates or representatives shall not be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in the responses.

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Please visit - www.QuantumMF.com to read Scheme Specific Risk Factors. Investors in the Scheme(s) are not being offered a guaranteed or assured rate of return and there can be no assurance that the scheme's objective will be achieved and the NAV of the scheme(s) may go up or down depending upon the factors and forces affecting securities markets. Investment in mutual fund units involves investment risks such as trading volumes, settlement risk, liquidity risk, default risk including possible loss of capital. Past performance of the Sponsor / AMC/ Mutual Fund does not indicate the future performance of the Scheme(s). Statutory Details: Quantum Mutual Fund (the Fund) has been constituted as a Trust under the Indian Trusts Act, 1882. Sponsor: Quantum Advisors Private Limited. (liability of Sponsor limited to Rs. 1,00,000/-) Trustee: Quantum Trustee Company Private Limited. Investment Manager: Quantum Asset Management Company Private Limited (AMC). The Sponsor, Trustee and Investment Manager are incorporated under the Companies Act, 1956.

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