How to make money - investment tip for young professionals: Young professionals or those who have just landed a job are often in a dilemma about how to make the best use of the money that is left in their bank accounts after meeting all their expenses. Should they invest in saving schemes or equity and thereby get more money to live a life of their dreams? Is there risk involved? Can they lose money? Should they look at maximising profit only? Zee Business guest and a certified financial expert Pooja Shinde has some useful tips for young earners about how to earn money - lots of its, without exposing themselves to much risk. She also reveals names of where they should put their money in.

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One such young professional is Mahesh Kukreja who is 23 years old. He revealed to Zee Business that his salary in hand is around Rs 48000. Mahesh Kukreja wants to invest Rs 28000 per month for the next 10-12 years. He also desires to have returns higher than the traditional investment instruments like Fixed Deposit (FD) schemes or even gold. What are the good options for him to meet his financial goals?

Watch Mutual Fund Helpline Programme on Pooja Bhinde's money tip to young professionals

Pooja Bhinde's piece of advice for Mahesh Kukreja

The top tip from our financial expert for Mahesh Kukreja is for him to define his goals before making investments. After that, this young professional can invest Rs 20000-25000 per month in the form of a Systematic Investment Plan (SIP).  She advised him to invest Rs 15000 in equity fund SIP and Rs 5000 in liquid fund SIP.  

Top 5 mutual funds to invest in as recommended for Mahesh Kukreja

-- Axis Bluechip fund Rs 5000
-- Kotak Standard Multicap fund Rs 5000
-- Mirae Asset Emerging Bluechip fund Rs 2500
-- DSP Midcap fund Rs 2500
-- ABSL Savings fund Rs 5000

Pooja Bhinde's Favourite large-cap funds are

-- Axis Blue Chip Fund - The fund has given over 17 per cent returns in a three-year period while over 10% returns in the five-year period, Pooja Bhinde said.

-- Mirae Asset Large Cap Fund - This fund has given returns of 11.41 per cent and 10.24 per cent returns in 3 and 5 year period, Pooja Bhinde said.

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-- Canara Robeco Emerging Blue Chip Fund - This fund has given returns of 13.39 per cent and 9.29 per cent in 3 and 5 year period she said.