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FSM In Media: SIP Or Lumpsump Investments?
October 11, 2017

This chat transcript was published in Moneycontrol.com on Wednesday, October 11, 2017.

Author : Dr. Renu Pothen



How to have a balanced mutual fund portfolio?

guest: hi team, Which is the best liquid fund for lump-sum investment for emergency fund. Regards Prasant Sahoo Ahmedabad, 9662281991

Dr Renu Pothen: You can consider liquid funds like Franklin India Treasury Management Account and Axis Liquid Fund for your emergency requirements.

guest: I am investing Rs.2500month in UTI oppurtunities fund. Shall i continue. please advise

Dr Renu Pothen: UTI Opportunities Fund is no longer our recommended multi cap fund. We would suggest that you hold on to it for another year and then take an appropriate call either to hold or to exit.

guest: sir please review my portfolio advise shall I continue it or change some currently monthly SIP as as under Franklin India Smaller Companies Fund 5000 P.M, Quantum Long Term Equity Fund 5000 P.M, ICICI Prudential Value Discovery Fund Rs4000 P.M ICICI Prudential Long Term Fund- Direct Plan - Growth Rs 2000 P.M LT INFRASTRUCTURE FUND DIRECT PLAN-DIVIDEND Rs. 5000 P.M

Dr Renu Pothen: The portfolio currently has only multi cap funds, a small cap fund and an infrastructure fund. We would suggest that you take an exposure into a large cap fund like SBI Blue Chip Fund or Kotak 50.

guest: i have 3 MFs in portfolio..1. sbi magnum tax gain (D), 2. axis long term equity fund (G), 3. tata india tax saving fund (G)...again iam planing to start new SIP.....advice me

Dr Renu Pothen: The funds mentioned belong to the ELSS category. If you want to start fresh SIPs in other categories, then try to create a portfolio depending on your risk profile. For instance, if your risk profile is aggressive, then start fresh SIPs in funds like Birla Sun Life Frontline Equity Fund and Kotak Select Focus. Gradually allocate surplus into riskier categories like mid cap and small cap funds.Here you can consider funds like Canara Robeco Emerging Equities or Franklin India Prima Fund and Reliance Small Cap Fund.

guest: Hello my age is 37, I am investing in Canara Robeco Emerging Equities, Dsp Blackrock Micro Cap Fund, Franklin India Smaller Companies Fund, Hdfc Mid Cap Opportunities Fund, Icici Prudential Value Discovery Fund, LT India Value Fund, LT Infrastructure Fund, Principal Emerging Bluechip Fund, Sbi Blue Chip Fund, Sbi Magnum Midcap Fund, Mirae Asset Emerging Bluechip Fund. All were direct and growth plans. Am I taking risk by investing in multiple funds? Please suggest if I need to or add any fund in my folio. Thanks in advance.

Dr Renu Pothen: The portfolio has more than 5 funds in the mid and small cap categories. The risk is definitely more in this case. We would suggest that you reduce the number of funds in this category and increase the allocation into large caps and multi cap funds as well.

guest: Hi , Please review my portfolio and please advise shall I continue with the same or move the fund to other MF. I am monthly investing 3000 in HDFC Mid-Cap Opportunities Fund (G) , 3000 in Mirae Asset Emerging Bluechip Fund - Direct Plan (G) and 1000 in ICICI Prudential Value Discovery Fund - Direct Plan (G) .

Dr Renu Pothen: You can continue with the existing portfolio. You can also add a large cap fund in the portfolio like SBI Blue Chip Fund.

guest: hai sir i invest 10000 per month through SIP i.e reliance retirement wealth creations[3000],icici pru value discovery fund[2000],sbi blue chip[1000],, bsl small and mid cap[1000].,uti mid cap[1000],franklin high gr fund[1000],rel smallcap[1000] all are growth funds for 15yrs,if any changes pls suggest me

Dr Renu Pothen: You can continue with the existing investments.

guest: Whats your view on LT infrastructure fund?

Dr Renu Pothen: If you already have L&T Infrastructure Fund in your portfolio, then you can continue holding onto the same.However,if you are looking at taking fresh exposures in the infrastructure space, then our recommended funds are Canara Robeco Infrastructure and Kotak Infrastructure & Economic Reform 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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