Is this Portfolio good Enough?

[angy]

I am investing in Franklin india pension fund SIP 5000/- for last 5 years .I want to invest further 5000
I have selected following funds
a. Birla SL Frontline Equity Fund :SIP 3000/-
b.DSP blackrock micro cap :SIP 2000/-
Investment period 7-8 years
Is this portfolio good enough

 

[Obelixtrader]

I am investing in Franklin india pension fund SIP 5000/- for last 5 years .I want to invest further 5000
I have selected following funds
a. Birla SL Frontline Equity Fund :SIP 3000/-
b.DSP blackrock micro cap :SIP 2000/-
Investment period 7-8 years
Is this portfolio good enough

Forget any investing pension fund. Have you looked on TER% you pay 2,48% p.a. And when you withdraw money from this pension fund before age 58 you pay 3% exit load you should read before you invest Factsheet
http://www.franklintempletonindia.com/downloadsServlet?docid=hxl9050e

Buy some passive ETF that copy some index on stock or on bonds. Choose ETf that automatically reinvest dividend

 

[angy]

Forget any investing pension fund. Have you looked on TER% you pay 2,48% p.a. And when you withdraw money from this pension fund before age 58 you pay 3% exit load you should read before you invest Factsheet
http://www.franklintempletonindia.com/downloadsServlet?docid=hxl9050e

Buy some passive ETF that copy some index on stock or on bonds. Choose ETf that automatically reinvest dividend

Yes I Know about the exit loads. But what about other two funds with this .Is this portfolio well diversified?

 

[angy]

What Are ETF funds ?Why is it being suggested by you.

 

[Obelixtrader]

What Are ETF funds ?Why is it being suggested by you.

What Are ETF funds ?Why is it being suggested by you.

.
ETF(Exchange traded funds) most of this funds are passiv managed. Many portfolio managers by activ management try to beat index but they fail. By passiv ETF the the portfolio manager copy index only. They have very low TER compare to mutual funds its under 0,6% p.a.
stock index ETF traded on NSE
1. Goldamn Sachs ETF
http://www.benchmarkfunds.com/gs/Documents/Factsheet.pdf look only on this passiv ETF
GS Nifty BeES TER 0,49% p.a. Index Nifty
GS Bank BeES TER 0,49% p.a. Index Bank Nifty
GS PSU Bank BeES TER 0,49% p.a. Index Nifty PSU Bank
GS CPSE ETF TER 0,49% p.a. Index Nifty CPSE
GS Liquid BeES TER 0,27% p.a. CRISIL Liquid Fund Index(bonds,bills,)

LOOK on KOTAK ETF on NIFTY with TER 0,10% only
http://assetmanagement.kotak.com/documents/19/36752/Kotak Nifty ETF.pdf
KOTAK SENSEX ETF TER 0,49% p.a.
http://assetmanagement.kotak.com/documents/19/36752/Kotak Sensex ETF.pdf
KOTAK PSU BANK ETF TER 0,49% p.a.
http://assetmanagement.kotak.com/documents/19/36752/kotak PSU bank ETF.pdf
QUANTUM INDEX FUNDS ETF
ETF on NIFTY TER 0,25% p.a.
https://www.quantumamc.com/Schemes/Quantum-Index-Fund-ETF.html
If you look on a dividend also look on from GS CPSE more than 3,4% div. yeld. I would be combine my portfolio if i would live in India if I wouldnt need money for long term
35% of money-KOTAK ETF on Nifty TER 0,10% p.a. Div. yeld 1,37%, 35% of money-GS CPSE ETf TER 0,49% p.a. div.yeld 3,64% and 30% of money -GS Liquid BeES bonds TER 0,27% p.a. Dividends are reinvested. TOTAL TER p.a. of my portfolio will be 0,2875% p.a. BUT THATS MY OPINION.

 

[TracerBullet]

.
ETF(Exchange traded funds) most of this funds are passiv managed. Many portfolio managers by activ management try to beat index but they fail. By passiv ETF the the portfolio manager copy index only. They have very low TER compare to mutual funds its under 0,6% p.a.

You are wrong, time and again this is repeated even though its not true. Please compare actual returns.

In India
1) Active management Funds have beaten indices easily and consistently.
2) They have lower expenses, but still last time i checked it was pretty high vs the really low expenses of international index based funds such as vanguard etc

It would be silly to invest in something based on typical indices such as Nifty/Sensex/100-500 versions instead of decent diversified MF with long term record, at least for now

 

[Relish]

.
1. Goldamn Sachs ETF
GS Nifty BeES

Sir did you know anything about dividend paid this year by nifty bees? I think goldman sachs sold business to Reliance fund.

 

[Obelixtrader]

You are wrong, time and again this is repeated even though its not true. Please compare actual returns.

In India
1) Active management Funds have beaten indices easily and consistently.
2) They have lower expenses, but still last time i checked it was pretty high vs the really low expenses of international index based funds such as vanguard etc

It would be silly to invest in something based on typical indices such as Nifty/Sensex/100-500 versions instead of decent diversified MF with long term record, at least for now

Congratulations:clapping::clapping::clapping: you have better mutual fund manager than we here in Eurozone.

 

[TracerBullet]

Congratulations:clapping::clapping::clapping: you have better mutual fund manager than we here in Eurozone.

Maybe the indices are less good or the market less efficient or some other reason.
But since this is the case, Index funds have limited use. Just have a look at decent funds in say value research and you will see yourself.

 

[Obelixtrader]

I have looked on many munutal funds offered by domestic or foreign asset management firms which i can buy.in my country benchmark beat active funds by 10s of % by some 100s of %. Here its good easy money for asset mutual fund managers. they dont work for clients. Yes you right index funds has limits. As i said to invest in mutual funds to expensive( pay load fees for buying mutual funds for stocks mutual funds between 3%- 5% from investment and than to pay 1,5%-3% as a TER p.a. and cant beat index waste of money) 9 of 10 cant beat their benchmark.