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Best index fund for a 10-year investment horizon in 2026?

Asked 23d ago·478 views
I want to invest Rs 10,000 per month via SIP in a Nifty 50 index fund for 10 years. Which index fund has the lowest expense ratio and tracking error? I am considering UTI Nifty Index Fund, HDFC Nifty 50 Index Fund, and ICICI Prudential Nifty 50 Index Fund. Which one would you recommend and why?
Asked by Anita Desai

6 Answers

27
All three are solid choices. UTI Nifty Index Fund has one of the lowest expense ratios at 0.20% and the longest track record. HDFC Nifty 50 Index Fund at 0.15% has the lowest expense ratio among direct plans. ICICI Prudential is also good at 0.18%. For a 10-year horizon, any of these would work well.
Answered by Vikram Mehta · 8 Mar 2026
27
All three are solid choices. UTI Nifty Index Fund has one of the lowest expense ratios at 0.20% and the longest track record. HDFC Nifty 50 Index Fund at 0.15% has the lowest expense ratio among direct plans. ICICI Prudential is also good at 0.18%. For a 10-year horizon, any of these would work well.
Answered by Vikram Mehta · 11 Mar 2026
27
All three are solid choices. UTI Nifty Index Fund has one of the lowest expense ratios at 0.20% and the longest track record. HDFC Nifty 50 Index Fund at 0.15% has the lowest expense ratio among direct plans. ICICI Prudential is also good at 0.18%. For a 10-year horizon, any of these would work well.
Answered by Vikram Mehta · 20 Apr 2026
19
Consider investing in a Nifty Next 50 index fund instead if you want slightly higher returns with slightly higher risk. Or a combination of 70% Nifty 50 + 30% Nifty Next 50 gives better diversification. The expense ratio difference of 0.05% over 10 years has minimal impact on returns compared to tracking error differences.
Answered by Sunita Rao · 10 Mar 2026
19
Consider investing in a Nifty Next 50 index fund instead if you want slightly higher returns with slightly higher risk. Or a combination of 70% Nifty 50 + 30% Nifty Next 50 gives better diversification. The expense ratio difference of 0.05% over 10 years has minimal impact on returns compared to tracking error differences.
Answered by Sunita Rao · 13 Apr 2026
19
Consider investing in a Nifty Next 50 index fund instead if you want slightly higher returns with slightly higher risk. Or a combination of 70% Nifty 50 + 30% Nifty Next 50 gives better diversification. The expense ratio difference of 0.05% over 10 years has minimal impact on returns compared to tracking error differences.
Answered by Sunita Rao · 19d ago

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