AMFI Registered Mutual Fund Distributor | SEBI registered Investment Adviser
FSM LOGO

                    


titl_l_gif
Research
title_r_gif
Share | Email Print more
FSM in Media - How to get a balanced mutual fund portfolio?
June 19, 2014

This chat transcript was published in Moneycontrol.com on Wednesday, 18 June 2014


Author : Dr. Renu Pothen



How to have a balanced mutual fund portfolio?

guest: The markets which is at high levels know, will it be able to retain the same or still higher after 10 to 25 years from now. Will the mutual fund investor like me who is having a long term financial goals can he really create wealth in the long run particularly in our indian markets.
Dr Renu Pothen: : I agree that the Indian markets are at a higher level today. However; from a fundamental point of view our markets have the potential to grow more in the years to come. In such a scenario, investments made into mutual funds over a long time period will help investors in achieving their goals.
 
guest: I am 38 and investing in equity diversified MF via sip growth option since from 2005 in few top funds for long term to meet my financial goals. I have selected large cap, multicap and mid cap in my portfolio of funds for diversification and wealth creation. Do my funds generate sufficient wealth in the long run say 10-25 yrs from now. L&T Equity fund, DSPBR Top 100, FT India Blue chip fund, IDFC premier equity- plan A, Quantum LTE, ICICI prudential dynamic plan. Please comment

Dr Renu Pothen: Some of the funds mentioned here are going through short term volatility. My advice here would be to stay invested for some more time and then take an appropriate call.

 
guest: Is it worth churning the portfolio of funds regularly based on the ranking or fund recommendations published in many websites and articles month on month. In my opinion it would be very cumbersome for an investor to exit from one fund to another fund based on recent rankings. Please comment
Dr Renu Pothen: Investors should not churn their portfolio depending upon the changes in the ranking of fund recommendations. They should only be reviewing their portfolios and if any funds are going through short term volatility, it would be better to wait for some time and see if the fund is able to come back on track.Invstors need to remember that equity funds have to be held for long term and should not be churned very frequently.
 

guest: Hi Madam, I have surplus money 50,000 per month can i invest in HDFC balanced fund evey week as 10,000.is it ok or can I divide as 2 or 3 mutual fund.please advise me

Dr Renu Pothen: If you want to have a fund which has both the asset classes that is equity and debt then you can consider the balanced fund. On the other hand,if you want only an equity exposure then you go in for equity funds depending on your risk profile.If you have a surplus of INR 50,000 per month then it would be advisable to do a monthly SIP.

 
poresudhir: How really matter Growth and Dividend funds, if I am reinvesting dividend then also should go for growth ? which one is the best for long term Growth or dividend

Dr Renu Pothen: If you are investing into equity funds and your goal is long term wealth creation,then you should go into the growth option only.

 
aadityakelkar: hello madam, i have just started earning and my income is 30000/month. should i invest in equity fund or debt fund?
Dr Renu Pothen: If you are a first time investor into mutual funds,then you can start investing into a balanced fund which will include both equity and debt. Later on as you get comfortable with investing into mutual funds, you can create a portfolio whose asset allocation will inturn depend on your risk profile and goals.
 
guest: Hello Madam I have HDFC, ICICI & SBI mutual funds in my portfolio. My SIP structure of various mutual funds is as follows: HDFC Top 200 Rs 1500 HDFC Mid Cap Opportunities Rs 1000 HDFC Balance Fund Rs 1000 HDFC Long Term Advt. Fund Rs 1500 Dividend ICICI PRU DYNAMIC Rs 1000 ICICI PRU FOCUSED BLUECHIP Rs 1000 ICICI PRU Tax Plan Rs 1000 Dividend SBI Magnum Equity Rs 500 SBI Magnum Global Fund Rs 500 SBI FMCG Fund Rs 500 SBI Pharma Fund Rs 500 SBI Emerging Business Fund Rs 500
Dr Renu Pothen: The portfolio seems to be concentrated in a few fund houses. My advice is that you need to diversify across fund houses so that the concentration risk is reduced.
 
guest: HI MADAM MY NAME AKHIL FROM PUNE.AGE 27 YEARS WORKING IN PVT LTD COMPANY SALARY 15000 PER MONTH.MY QUESTION IS I AM START SIP THIS MONTH RS.2000 IN ICICI PRUDENTIAL BLUE CHIP EQUITY REGULER GROWTH FUND FOR 20 YEARS.I WANT HELP FOR I AM SELECTING THIS FUND GOOD OR NOT AND ANOTHER SUGGEST 1 FUND OF YOU INVEST RS.2000 PER MONTH
Dr Renu Pothen: ICICI Prudential Focused Bluechip Equity Fund is one of the best performers in the large cap space.For your Rs. 2000,you can consider IDFC Premier Equity Fund.A portfolio created for 20 years is a good idea,but my suggestion would be that you review the portfolio on a regular basis.
 
guest: hi madam i am investing SIP rs2000 per month in ICICI Prudential Value Discovery Fund - Regular Plan - Growth.How,s this...for laying out with how many years will give higher yield

Dr Renu Pothen: ICICI Prudential Value Discovery Fund is the best performer in the value space. Please remember that you should invest into a fund only on the basis of your risk profile and goals.

 
 

Disclaimer:iFAST and/or its content and research team’s licensed representatives may own or have positions in the mutual funds of any of the Asset Management Company mentioned or referred to in the article, and may from time to time add or dispose of, or be materially interested in any such. This article is not to be construed as an offer or solicitation for the subscription, purchase or sale of any mutual fund. No investment decision should be taken without first viewing a mutual fund's offer document/scheme additional information/scheme information document. Any advice herein is made on a general basis and does not take into account the specific investment objectives of the specific person or group of persons. Investors should seek for professional investment, tax, and legal advice before making an investment or any other decision. Past performance and any forecast is not necessarily indicative of the future or likely performance of the mutual fund. The value of mutual funds and the income from them may fall as well as rise. Opinions expressed herein are subject to change without notice.


 


Comments (0) | Comment on this Article
 (Click on Comments/Comment on this Article to show or hide comments/post a comment)
USEFUL LINKS
Recommended Funds
Recommended Portfolios
Chart Centre
Risk Profiler