Post 2008 turmoil, Indian public in large have been shaken and are not ready to participate in the current equity rally governed by the foreign investors. People are shaken because they lost money in the last fall from 21000 to 8000 levels of BSE index. They did not participate in the rally from 8000 to 18000 levels rather they are redeeming their money at the current levels. This behavior shall again give them trouble as they shall be catching equities again at higher levels of 18000 and above. It clearly shows that most of Indian investors are investing out of greed and want to make short term quick money. This rational should change and they should be investing in the diversified equity schemes for longer terms and with discipline.
Indian growth story is still there but more disciplined approach from the investors is desirable.Some of the good diversified Funds are HDFC Top 200, IDFC Premiere, Kotak Mid cap and even DSP Top 100 fund appears good for all disciplined investors.All these mentioned schemes shall be good for aggressive investors and who are ready to participate for Indian Growth story. But those who are dependent on the money generated out of their investments should put their bets in Short Term Income Funds as the Interest rates are expected to strengthen further in the near term. After RBI declares its monetary policy and 10 Year paper start quoting at more than 8% levels then it shall be good idea to invest in Gilt Funds and get the risk free returns from these Debt Funds.
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