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

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

Author : Dr. Renu Pothen

How to have a balanced mutual fund portfolio?

guest: Good morning Madam, Which option is right in MF ? Growth or Re-investement ?
Dr Renu Pothen: If your aim is to create wealth/meet a particular goal for the long term, then it is better to go in for the growth option.

Dr Renu Pothen: Mutual Fund Investments are meant for investors with a long term horizon. You should create a portfolio consisting of good funds, depending on your risk profile, goals and time horizon.

guest: I want to do SIP of Rs.1500-2000 Monthly for atlest36 Months which is best to invest to get back plenty Reward ---Thnks
Dr Renu Pothen: Equity investments should be considered for a time horizon of 5 years. You should park your surplus in those funds which are in line with your risk profile. If you are an aggressive investor, you can invest INR 2000 into a multi cap fund like IDFC Premier Equity Fund. I am giving you this suggestion on the assumption that you already have mutual fund holdings.

guest: how is gold fund for atleast 12 years I have reliance gold fund.

Dr Renu Pothen: In any portfolio, 5% to 10% of the surplus should be in gold.In this way investors will have an exposure into the yellow metal,which will help in the overall asset allocation..

guest: i invest rs 10000 every month in mf. is it good time to invest more?

Dr Renu Pothen: You can consider increasing the exposure into equity funds using the SIP route.

guest:  i am waiting for the market to fall to start investing? when do you think the market will fall? atlst 1000 pts
Dr Renu Pothen: It is better to stop timing the markets. If you wish to create wealth for the long term, then enter the markets through the SIP mode.
guest: I am holding SIP if Icici pru tax, Icici focused blue chip , Icic discovery , HDFC Prudenced fund , are they good for long term?
Dr Renu Pothen: All the funds are the best performers in their respective categories. However, there is too much of concentration into 1 fund house that is ICICI Prudential Mutual Fund. It would be better if you can diversify across categories and fund houses.
sdhappy: Dear Madam,I want to invest Rs 5,000 per month through SIP mode for at least 10 year, suggest me some funds and AMC( I am ready to take maximum risk)
Dr Renu Pothen: You can consider the following funds: Birla Frontline Equity Fund,HDFC Mid-Cap Opportunities Fund and Mirae Asset India Opportunities Fund.


santhosh1326: madam I want to add franklin India smaller companies/UTI midcap fund as a part of SIP.which is the better one for a span of four years?please reply mam..
Dr Renu Pothen: You can consider Franklin India Smaller Companies. Your time horizon should be 5 years.
guest: Is this the right time to start a SIP in Pharma fund
Dr Renu Pothen: You can start an SIP in a pharma fund.Our recommended fund in this space is SBI Pharma Fund.
guest: I wish ti invest in ELSS in order to save on taxes, can you advise suitably ?
Dr Renu Pothen: You can consider the following tax saving funds: Axis Long Term Equity Fund/Canara Robeco Equity Tax Saver.

guest: i have sip in rel pharma fund. ive invested for past 3 years. should i continue or exit?

Dr Renu Pothen: You can continue investing into Reliance Pharma Fund.
santhosh1326: Good Morning mam,I want to invest lumpsum amount of 20000 for 6years in different risk grades (large,mid &small,hybrid).Please help me choose the better one in the respective caps.Each fund i would keep 5000/-for 6 years.I am in need of good amount during that period.please help me out using your financial know-how..
Dr Renu Pothen: If your risk profile is aggressive,then you can consider the following funds: Large Cap: Birla Frontline Equity Fund Mid Cap:HDFC Mid-Cap Opportunities Fund Hybrid:ICICI Prudential Balanced Fund

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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