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5 Best UTI SIP Plans To Invest In

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If you are looking to buy into SIP plans of UTI there are plenty of options. If you are a risk averse investor you can look at some debt dedicated schemes. On the other hand, if you are willing to take risk, there are a few equity schemes that you could consider. Here are a 5 UTI SIP plans from Unit Trust of India, which investors could look at.

UTI Equity Fund – regular plan
 

UTI Equity Fund – regular plan

This fund had performed relatively better when compared to several other equity funds, which are similar. The one year returns from the fund is 7.49 per cent, while the three-year returns from the fund has been 7.65 per cent.

Most mutual funds large cap equity schemes have not been able to deliver decent returns in the last one year and against this backdrop the returns are pretty good. The fund has holdings in stocks like Bajaj Finance, HDFC, HDFC Bank etc.

The portfolio is skewed towards generating good returns in the long term. One can invest in this fund with a small SIP of Rs 500 per month.

UTI Banking and Financial Services Fund - Regular Plans

UTI Banking and Financial Services Fund - Regular Plans

UTI Banking and Financial Services Fund - Regular Plans

This fund has generated a return over the more longer term of 5 to 10 years, as opposed to the more short term, where the returns have not been too great. The 5 and 10 year return from the fund has been near that 10 per cent levels, while the three year returns has been around that 5 per cent mark, which is not the best.

The fund has holdings in bluechip banking stocks including the likes of HDFC Bank, ICICI Bank, Axis Bank, State Bank of India and HDFC.

Again the last few years have not been too great for the equity scheme returns and hence one needs to be patient and not expect extra ordinary returns from mutual funds.

UTI Gold Exchange Traded Fund
 

UTI Gold Exchange Traded Fund

If you are looking to invest in gold, your best bet should be the UTI Gold Exchange Traded Fund. In line with the returns from gold, this fund has generated a stupendous return of 22 per cent in the last one year.

However, we wish to warn readers that you cannot expect such solid returns from gold every time. If you are looking to diversify your holdings against risk, it would be a good idea to make gold a part of your holdings. As such, it would be a good idea to invest a part of your money in a gold exchange traded fund, like the UTI Gold ETF.

UTI Gilt Fund

UTI Gilt Fund

If you are looking to move away from equity and gold to debt, the UTI Gilt Fund would not be a bad bet. In fact, the returns over the short to medium term have beaten returns from even bank deposits.

The 1-year returns from this fund is nearly 14 per cent, while the 5-year returns is 10.41 per cent. The 10-year returns from the fund has been slightly above the 9 per cent mark.

If you are looking at safety and returns this would not be a bad bet at all. There is no SIP available here, but, you can invest through buying units every month.

 UTI MidCap Fund

UTI MidCap Fund

Midcaps as we all know are for those who are willing to take a risk. The short term returns of almost all of the midcap funds has been disastrous as we all know.

The UTI Midcap Fund has generated a return of just 2.38 per cent in the last one year and a -0.44 per cent in the last three years. However, if you see the returns of the last 10 years, they are stupendous at 14 per cent. For those willing to take a risk, this is a good bet. You can invest in the scheme through an SIP of Rs 500 each month.

GoodReturns.in

Read more about: mutual fund mutual funds
Story first published: Tuesday, October 8, 2019, 10:23 [IST]
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