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FSM In Media: How to get a balanced mutual fund portfolio?
November 10, 2016

This chat transcript was published in on Tuesday, November 08, 2016.

Author : Dr. Renu Pothen

How to have a balanced mutual fund portfolio?

Guest: Good morning Madam, can you please suggest me to select good MF for 5 to 6 years SIP for 60000 rs Whether to go for six AMC or twelve, and how to diversify, my age is 35 and i can continue SIP for next 5 to 7 year.

Dr. Renu Pothen:If your risk profile is aggressive, then you can consider the following funds for SIP: Birla Sun Life Frontline Equity Fund, SBI Emerging Businesses Fund, Kotak Select Focus Fund, Mirae Asset Emerging Bluechip Fund, Reliance Small Cap Fund and Tata Balanced Fund .


Guest: : Sir, Have been Investing in given funds as under...kindly guide if OK or require any change.... These are SIP\`s and would continue for atleast another 5 years.... Name Amount Launch Date Franklin India Bluechip-G 2000 April\`2013 HDFC Equity-G 4000 April\`2013 IDFC Premier Equity Reg-G 4000 April\`2013 ICICI Pru Dynamic Reg-G 4000 June\`2015 DSP BlackRock Micro Cap Fund 2000 June\`2015 Birla Sun Life Tax Relief 96 2000 June\`2015.

Dr. Renu Pothen: You can continue the investments into the existing funds.


Guest: How much should i invest in MF if i earn 30k per month? Have a medical Insurance of 2lac/yr from employer and does not need a term insurance now.

Dr. Renu Pothen: If you wish to know how much to invest into mutual funds then you should first of all see what are the goals that you have to achieve in a stipulated time period. Estimate the surplus that you would require to achieve the goals and then accordingly invest a particular amount every month into mutual funds.


Harshavardhanc: Hi Renu, My Age is 32, with current investment in Equity - Debt MFs @ 40-60%, with all the investments in good Crisil rated funds and well diversified. and continuing SIPs of around 30K. Will you advise me to change the proportion to 60-40 Equity to Debt?

Dr. Renu Pothen: You need to change the equity debt proportion in your portfolio depending on your risk profile. If you are a moderately aggressive then your equity: debt allocation can be 60:40.


nitin7475: Hi !! Good Morning Invested 1 Lakh in Birla Sun Life Dynamic Retail fund - Growth with short term view. whats you opinion... Thanks.

Dr Renu Pothen:Birla Dynamic Bond Fund is one of the best performing dynamic bond funds. You can invest into the same with a time horizon of 2 to 3 years.
Guest: How to know which the good mutual funds to invest. how to purchase online. For mutual do we need Demat account. thanks
Dr Renu Pothen: You should include mutual funds in your portfolio depending on the risk profile, goals and time horizon that you have to achieve the goals. As far as selection of mutual funds are concerned, you should filter them on the basis of qualitatitive and quantitative factors like performance, expense ratio, risk,track record of the fund manager ,are they following mandates as given in SID,etc. If you are purchasing the funds through an online platform then you do not require a demat account.



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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