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Question
what is the best investment of approx Rs 200000 for a duration of two years with maximum returns

 
Answer
Hello, best invest option for you is Systematic Transfer Plan.Under STP, at regular intervals, an amount you opt for is transferred from one mutual fund scheme to another of your choice.STP is a useful tool to take a step by step exposure into equities or to reduce exposure over a period of time. Say you have lump sum amount to invest in equity over a period of time. You could put this amount in the liquid fund of a mutual fund or a short-term bond fund. This gives an opportunity to earn a better than saving bank account rate of return. You than start an STP where every month a pre-determined amount will be invested into an equity fund. This helps in deploying funds at regular intervals in equities with minimum timing risk.
So,the best STP is as follows

• Choose a good Debt fund or Floating Rate Mutual Fund from HDFC , which allows STP to HDFC Top 200 .
• Invest all the money in the Debt Fund .
• Now you can start a 5k/10k/20k per month STP from HDFC Debt fund to HDFC Top 200 .

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