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FSM in Media: How to get a balanced mutual fund portfolio?
June 14, 2016

This chat transcript was published in on Tuesday, June 14, 2016.

Author : Dr. Renu Pothen

How to have a balanced mutual fund portfolio?

Guest: I am an aggressive investor with long holding period. Shall i opt for 2 multi-cap funds or 1 large cap fund and 1 mid-small cap funds?

Dr. Renu Pothen:Yes you can go in for 1 large cap fund,1 multi cap fund,1 fund each from the mid cap and small cap space.


Guest:  Hi, I am currently invested in - Franklin India PRIMA PLUS - GROWTH, HDFC TaxSaver - Regular Plan - GrowthHDFC Equity Fund - Regular Plan – Growth IDFC Premier Equity Fund-Growth-(Regular Plan) since the last 1 year (Total 7,000 p.m.). I am not happy with my returns over the last 1 year. I want to further invest 10,000 p.m. via SIP. Recommendations?

Dr. Renu Pothen: I would suggest that you hold onto the portfolio for some more time as it has been only a year since you started investing into these funds. Franklin Prima Plus and IDFC Premier Equity are our recommended multi cap funds. You can allocate a part of the surplus into good large cap funds and a mid cap fund as well.


Guest: What is future prospects of 1)SBI Magnum MIDCAP fund 2)UTI Transport and Logistics fund 3)SBI Pharma Fund

Dr. Renu Pothen: SBI Magnum Midcap Fund and SBI Pharma are our recommended funds. We have been positive on UTI Transport & Logistics Fund. However with the change in the fund manager, we are on a wait and watch mode and would recommend investors to wait for some more time before taking an exposure into the same.


Guest:I like to have 20% in debt and 80% in equity in my portfolio. Shall i opt for 4 equity MF and one debt MF or 2 balanced fund and 3 equity MF? Which will help me to get better return with low risk? This portfolio is for my retirement corpus.

Dr. Renu Pothen: You can consider equity funds along with a debt fund. Since you are planning to invest in equity funds, then for the fixed income side, consider a short term fund if you are a conservative/balanced investor or a dynamic bond fund if you are an aggressive investor.


Guest:sbi bluechip...............

Dr Renu Pothen: SBI Blue Chip Fund is one of our recommended large cap funds.
guest: Hi, My monthly EE and ER PF contribution is INR 5,400. Shall i consider this as my debt allocation and focus on equity MF?
Dr Renu Pothen: You can take these contributions as your debt allocation. However, I would suggest that you do risk profiling and accordingly decide the asset allocation. In this way you will be able to know if your surplus is adequately allocated between the different asset classes.



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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