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FSM in Media - How to get a balanced mutual fund portfolio?
September 2, 2014

This chat transcript was published in on Tuesday, 02 September, 2014

Author : Dr. Renu Pothen

How to have a balanced mutual fund portfolio?

pf2014: Hello Madam. I invest in SIP mode in IDFC Premier (40%), HDFC top 200 (20%), DSPBR Top 100 (20%), Reliance Pharma (10%) and HDFC Balanced (10%). Is this mix good? Horizone is for 20 years.
Dr Renu Pothen: :The current portfolio looks fine. If you are an aggressive investor, you can consider investing into a midcap fund as well. Our recommendation in this space is SBI Emerging Businesses Fund.
guest:Ma`m, I am aiming at 1crore in 15 years from now. Can you advise me on what fund to invest on and how much do I have to invest per month. Thanks.

Dr Renu Pothen: For getting a surplus of INR 1 crore in the next 15 years, then you will have to save atleast INR 25,000 per month. Here we are assuming a conservative rate of 10%.If your risk profile is aggressive, then your portfolio can consist of the following funds: Birla Frontline Equity Fund (20%),UTI Opportunities Fund (15%), Mirae Asset India Opportunities Fund (10%) ,IDFC Premier Equity (25%),SBI Emerging Businesses Fund (20%) and ICICI Prudential Banking & Financial Services Fund (10%).

gaurav.mehrotra: Should I start SIP of Rs5000/- in HDFC MID CAP FOR next 10 years
Dr Renu Pothen:  If your portfolio already has a good mix of large cap and multi cap funds and if your risk profile is moderately aggressive or aggressive, then you can consider investing into a mid cap fund. You can go ahead with the fund from HDFC Mutual fund.

guest:  Please suggest midcap mutual fund. want to invest with 5-6 years horizon sip every month rs.100000.

Dr Renu Pothen:Our recommended funds in the midcap space are SBI Emerging Businesses Fund and HDFC Mid-cap Opportunities Fund..

guest: i am invest 1000 of ech fund like icici pru bluchip,hdfc midcap opp,reliance equty oppor last six month my goal is retir. in 22year in 1cr and last six mont fund function kya hei aur ,i am continiu and stop

Dr Renu Pothen: All the 3 funds included in your portfolio are the top performers in their respective categories. You can continue the SIPs into these funds..

lrigurgaon: Hi Mam, Greetings! I have been investing systematically over last 2 years in Franklin Bluechip, UTI dividend yield, ICICI Discovery, HDFC Mid-Cap, DSP Micro cap, Reliance Banking and SBI pharma funds. I stopped my SIPs this month. Can you advise me on way forward please? Which funds to exit / replace (UTI & Franklin - large caps have not given good returns so far)? Should I go for index fund now or continue with selected funds? Many thanks in advance?
Dr Renu Pothen: You have some of the best performing funds in your portfolio. My suggestion is that you continue doing SIPs into these funds. There have been some concerns on Franklin Bluechip and UTI Dividend Yield.However,you can wait for some more time and then take an exit call.
guest:I am new to Mutual funds and my risk profile is medium. What funds would be right for me for generating a corpus of 50 lakhs 13 years from now?
Dr Renu Pothen:Since you are new to mutual funds, you can consider investing into a large cap and a balanced fund.Our recommended funds in this space are ICICI Prudential Focused Bluechip Equity Fund and HDFC Balanced Fund. Later on you can diversify into other categories depending upon your risk profile.
guest: hi,which is the best MF right now

Dr Renu Pothen:You should choose mutual funds in your portfolio depending on your risk profile, time horizon and investment 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


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