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FSM In Media: SIP Or Lumpsump Investments?
May 4, 2017

This chat transcript was published in on Wednesday, May 3, 2017.

Author : Dr. Renu Pothen

How to have a balanced mutual fund portfolio?

guest: Is it good to invest in NFO ?

Dr Renu Pothen: If the NFO is a fund whose theme and investment philosophy is different from the already existing funds in that particular category then you can consider investing into the fund.However, you need to understand the mandate and the philosophy of the fund along with the track record of the fund manager before you take the final call to invest into the fund.

guest: Hi My age is 26. I have SIP in : Quatum LT Equity (Rs 2000), SBI Blue Chip (Rs 2000), SBI Bal Fund (Rs2500), Franklin India Smaller Comap (Rs 3000), SBI Pharma Fund (Rs 2000). Please suggest which fund should I continue and which should I sell? Suggest one Mid/Small Cap Fund.

Dr Renu Pothen: You can continue with the existing investments.However, the portfolio is highly concentrated. You have 3 funds from SBI Mutual Fund and you should always diversify your portfolio across fund houses. For the mid cap exposure, you can invest into Canara Robeco Emerging Equities.

guest: I have lumpsum amount of 3 lacs. Where should I invest for long term 5 to 7 years

Dr Renu Pothen: You should create a portfolio on the basis of your risk profile. If you are an aggressive investor, you can invest 70% of the portfolio into equities and the rest into debt.

guest: Want to invest 20 Lakhs immediately for 3 years.Where to park the fund to get min return 15 % pa after 3 years.

Dr Renu Pothen: You can invest into balanced funds like ICICI Prudential Balanced Advantage Fund and Tata Balanced Fund.I will not be able to comment on the returns.

guest: Dear Team, Pls advice have invested tRs. 6500 in via sip in diff portfolio .. with the target of 1 cr in after 20 years .. shuld i able to achive said tgt through b/m portfolio.. 1-1OOO HDFC TOP 200 2. 2000 RS EACH IN Reliance tax saver & Axis long term 3. 1000 rs. in frankling flexi cap 4. rs. 500 in reliance regular saving fund

Dr Renu Pothen: If you are aggressive investor, our SIP portfolio will be like this:Birla Sun Life Frontline Equity Fund (15%),Kotak Select Focus Fund (20%),Axis Long Term Equity Fund (20%),Canara Robeco Emerging Equities Fund (25%),Reliance Small Cap Fund (10%) and Tata Balanced Fund (10%)

guest: Hi, I want to invest 70K as lumpsump amount for 1-2 years only what funds will be good for me according to you? i have searched some funds Please take a look and tell me out of this which would be best 1)ICICI Prudential Banking and Financial Services Fund - Growth 2)Reliance Banking Fund-Growth Plan-Bonus Option 3)JM Multi Strategy Fund - Growth option 4)L&T Infrastructure Fund - Growth Option 5)Reliance Diversified Power Sector Fund-Growth-Bonus 6)JM Core 11 Fund - Direct Plan (G) 7)Reliance Diversified Power Sector Fund - Direct Plan (G) 8)Motilal Oswal MOSt Focused Long Term Fund - Direct Plan (G) 9)SBI Magnum Comma Fund - Direct Plan (G) also out of this above funds or the fund you know other than this suggest me for divident option monthly or quarterly. one more question suggest me funds in which our principle amount will be same only whatever the appreciation is getting to fund that only receive me as divident. my risk is moderate also if i take my risk is moderatly high then wh

Dr Renu Pothen: If your time horizon is only 2 years then i do not suggest any exposure into equity funds. For this investment horizon, you should be considering debt funds.

guest: I want to start investing for my child for his education. Which is a good MF

Dr Renu Pothen: If the time horizon is more than 5 years and your risk profile is aggressive then consider the following portfolio. Birla Sun Life Frontline Equity Fund (15%),Kotak Select Focus Fund (15%),Canara Robeco Emerging Equities (30%),Reliance Small Cap Fund (20%),ICICI Prudential Banking & Financial Services Fund (10%) and Tata Balanced Fund (10%).


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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