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FSM In Media: How to get a Balanced Mutual Fund Portfolio?
March 29, 2016

This chat transcript was published in on Tuesday, March 22, 2016.

Author : Dr. Renu Pothen

How to have a balanced mutual fund portfolio?

bikasbaba: I have been investing in HDFC Top 200 D-G Rs. 1500/- and in IDFC Premier Eq D-G Rs. 2500/- for last 4 & 3 year respectively but from last 1-2 year both funds are not doing well. Please suggest your view. My horizon is over 10 year.

Dr. Renu Pothen: As per our model, HDFC Top 200 Fund is not among the top performing large cap funds. The fund is going through a volatile phase. Hence hold onto it for a year and see if the performance is improving and then take an appropriate call. On the other hand, IDFC Premier Equity Fund is one of the top performing multi cap funds. You can continue to hold onto this fund.


Guest: I was invested in Kotak Gold Fund (G) @ NAV12.448 , 755 units, before three yr. Should i hold it or redeem.

Dr. Renu Pothen: As part of asset allocation strategy, we normally suggest a small surplus to be parked into gold. Hence if you have entered into the fund, taking into consideration your overall asset allocation, then you should stay invested in this fund.Please remember that every asset class goes through cycles and hence staying invested for the long term will inturn benefit the overall portfolio.


Guest: Good morning ! I would like to get an advise of buying some good blue chip stocks for investment purpose. ready to invest upto 10 lakhs. Also suggest some blue chip , mid cap funds for investing monthly around 50,000/-

Dr. Renu Pothen: You should invest into funds depending on your risk profile. If you are an aggressive investor then you should consider large cap funds like Birla Sunlife Frontline Equity Fund,SBI Blue Chip Fund,multi cap funds like Kotak Select Focus Fund,IDFc Premier Equity Fund and from the mid & small cap space,you can take an exposure into Mirae Asset Emerging Bluechip Fund and Reliance Small Cap Fund. On the other hand, if you are a conservative investor, then restrict your investments into large cap funds and multi cap funds.


Guest: i have invested in IDFC Premier equity, Shall I wait or withdraw and invest in some other fund

Dr. Renu Pothen: IDFC Premier Equity Fund is one of the top performing funds in the multi cap category. You can hold onto your investments into this fund.


kuldeep5262: Mam i just read your article on tax savings funds its really good, i have a question is this right time to invest a lumsum amount in mutual fund (ELSS schemes) as market is high i.e 25000 sensex and nifty 7600 ?

Dr Renu Pothen: If you want to get the INR 1.5 Lakh tax benefit then one of the options included under Section 80 C is ELSS. From a valuation point of view market is looking attractive and hence you can enter via the lump sum route. However, from the next financial year, start investing into ELSS from the beginning of the year.
guest: which are the best mutual funds available today
Dr Renu Pothen: Large cap Funds: ICICI Prudential Focused Bluechip Equity Fund, Birla Sunlife Frontline Equity Fund, SBI Blue Chip Fund. Multi Cap Fund: Kotak Select Focus Fund, IDFC Premier Equity Fund, ICICI Prudential Value Discovery Fund Mid Cap Funds: Mirae Asset Emerging Bluechip Fund, Canara Robeco Emerging Equities Fund, SBI Magnum Midcap fund


guest:hi, I want to invest in mutual funds to please suggest a good fund for 3-5 years lockin period
Dr Renu Pothen:: If you are a first time investor into mutual funds, then you can consider a large cap funds like ICICI Prudential Focused Bluechip Equity Fund for a time period of 5 years
guest: I have SIP in HDFC equity fund. It has been under performing for last 1-2 years. Shall i continue SIP or switch to other fund?
Dr Renu Pothen: HDFC Equity Fund has not been performing for some time now. However, continue the investment into the same for a year and then take the appropriate call.

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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