Since last two years, I have been investing in 3 LIC policies with total annual premium of Rs. 72,000. I am thinking of starting SIP for the same amount in ultra short term mutual fund on monthly basis with Rs. 6,000 per month. I expect to earn 9-10% return from this investment so that by the end of year, I have sufficient amount to pay premiums towards LIC policies. Can you please suggest such kind of SIPs?