Portfolio Review

[Vicky78]

Originally Posted by vijay121264

Sir,
I am reviewing my portfolio and considering additional investments. I would appreciate if the experts on traderji.com can advice on my portfolio.
My Dream is to purchase a house in Pune, after 9-10 years, when my son education is completed. My aim is to invest in this long term with SIP option for atleast 8-10 years. My aim to invest 50k-80k every year for 10-12 yrs.
My Current Portfolio is as under.

Name of Funds Portfolio Weight (%)

DSPML T.I.G.E.R. Reg-D 2.51
DSPML T.I.G.E.R. Reg-G (SIP @2000/-) 1.41
Fidelity Tax Advantage-D (SIP @1500/-) 2.98
ICICI Pru Indo Asia Equity Fund Retail -G 1.66
ICICI Pru Infrastructure-D 2.77
Magnum Contra-G 3.85
Magnum Contra-G (SIP @2000/-) 1.42
Magnum Taxgain-D 3.18
Reliance Diversified Power Sector Retail-G (SIP @1000/-) 4.88
Reliance Diversified Power Sector Retail-G 23.80
Reliance Equity Advantage Fund Retail-G 6.33
Reliance Growth-G 3.95
Reliance Natural Resources-G (SIP @1000/-) 11.39
Reliance Natural Resources-G 19.10
Reliance Regular Savings Equity (SIP @500/-) 5.72
Standard Chartered Small & Midcap Equity-G 1.81
Sundaram BNP Paribas Select Focus Reg-G (SIP @1000/-) 0.69
UTI Infrastructure-G 3.54
In above Portfolio, DSPML T.I.G.E.R. Reg-G (SIP @2000/-) & Magnum Contra-G (SIP @2000/-), This funds is purchased by my mother. Now As I required Some Money, I am planning to sell Reliance Equity Advantage Fund Retail-G, UTI Infrastructure-G, DSPML T.I.G.E.R. Reg-D & ICICI Pru Indo Asia Equity Fund Retail -G.
Reliance Mutual Fund has annouced SIP Insure scheme, (Like as Insurance Policy) As I have too many funds, I thought that My Portfolio is suppose to revise to 4-5 Funds.
1) Reliance Growth Fund (SIP Insure, for 3 years & 1 year thereafter @2000/-)
2) Reliance Regular Saving Scheme (Sip Insure, for 3 years & 1 year thereafter @2000/-)
3) DSPML T.I.G.E.R. Fund
4) Fidelity Tax Advantage Fund (SIP @1500/-)
5) Sundaram BNP Paribas Select Focus (SIP @1000/-)
6) Reliance Natural Resources Fund
Sir, My current age is 43 years. How is my revise (dream) portfolio? Please divide my amount 2.81 lacs into a portfolio as per your good suggestion. Kindly Review My Portfolio, So I can earn extra income from Market. Kindly review my fund selection and suggest the necessary changes. I want to get maximum returns by taking calculated risk Pl.
Thanks
vijay121264
vijay_1264@**********

You can trim your portfolio further by by removing duplicates. This wil make a large cap portfolio.

ICICI Pru Indo Asia Equity Fund Retail
DSP ML Tiger
Reliance Growth
Fidelity tax Advantage fund
Magnum Contra

This would make up a very aggressive portfolio. Fidelity tax advantage has proved time and again apr - jun 2006, jan - mar 2007, jan - mar 2008 quarters that it will outperform other diversified equity funds during bear market/corrections.

Reliance Growth & dsp Ml tiger are very aggressive funds. at the best case they will lose as much as average diversified equity fund. Worst case bear run can be really bad. Giving the investor testing times. but in the bull run they will top the charts.

Although Sundaram Select focus has been good, its not the traditional large cap fund that falls lesser than other funds in a bear run. AS it has a concentrated holding of large caps it is more of an opportunistic fund than a large cap fund. So u can consider Magnum Contra, Kotak 30 or DSP ML Top 100 instead of Sundaram select focus as they protect the downside better and provide above average returns in a bull run.

Having international funds is a good in a portfolio. It provides diversification. But ICICI Pru Indo Asia Equity Fund Retail is relatively new fund. Keep a clase track of its performance. Do not add any money into it. but pull out if the fund misbehaves.

Also as you are 43 have you considered debt components like Birla Sunlife Income, HDFC MIP etc, Reliance Short Term?

[firewire1234]

I am still learnin abt MF investin...

so i really still dont know if i can advice nethin...

but m referin to a few sites on wealth management and stocks...

I guess...on this page...You can check compare ur mutual funds...

looks very simple tho. Comparing Fund,

[ssanivar]

Hi sir - I researched various sites to invest in mutual fund,created my MF portfolio to retain funds for min 2-3 years.Portfolio contains max 6 funds. Please suggest/correct me the below plan by considering percenatges canwe invest in large cap/mid cap and risk concept.
Reliance Diversified Power Sector Fund - Growth Plan - Growth Option = 20000
DWS INVESTMENT OPPORTUNITY FUND - GROWTH OPTION = 10000
Tata Infrastructure Fund – Growth = 10000
Reliance Regular Savings Fund - Equity Plan - Growth Option = 10000
Sundaram BNP Paribas Select Focus-Appreciation = 10000
(IDFC Premier Equity Fund – Growth = 10000 or DSP Merrill Lynch India T.I.G.E.R. Fund - Growth-Regular = 10000 0r Kotak Opportunities – Growth = 10000)

[RAVI1952]

I have also invested in this investment through Kotak bank and Now I am repentring. Bank representative told me that the Fee is 2% per annum. Actually, Fee is on commitment amount which is 5 times the initial investment. Actual fee right now is working out 23% ( including entry fee of 2.5%). I cannot understand the logic of charging fee on the amount yet to be paid. I have been asking Kotak bank to get me an explanation and arrange a talk with fund Manager. Nearly, 2 months have passed but I have been getting only false promises.

Be aware of all theses AMCs.They play tricks and dirty games with no responsibility.


Thanks,

Ravi

[Vicky78]

Originally Posted by ssanivar

Hi sir - I researched various sites to invest in mutual fund,created my MF portfolio to retain funds for min 2-3 years.Portfolio contains max 6 funds. Please suggest/correct me the below plan by considering percenatges canwe invest in large cap/mid cap and risk concept.
Reliance Diversified Power Sector Fund - Growth Plan - Growth Option = 20000
DWS INVESTMENT OPPORTUNITY FUND - GROWTH OPTION = 10000
Tata Infrastructure Fund – Growth = 10000
Reliance Regular Savings Fund - Equity Plan - Growth Option = 10000
Sundaram BNP Paribas Select Focus-Appreciation = 10000
(IDFC Premier Equity Fund – Growth = 10000 or DSP Merrill Lynch India T.I.G.E.R. Fund - Growth-Regular = 10000 0r Kotak Opportunities – Growth = 10000)

This is a very aggressive portfolio. You have

3 infra funds tiger, tata infra, rel div power sector. Make it one
2 opputunities fund - Kotak opportunities & DWS Investment opportunities. Make it one.

Include one large cap fund and one multicap fund as your core holding.

[babidash@hotmail.com]

Hi Vicky,

I am a regular reader of your posts. From Last 12 months I have been investing in MF through SIP only, due to market slow down my portfolio is now in -ve. Can you please review and give some suggestion on my portfolio.

MF NAMES********At Price********Profit/Loss********
ICICI PRUDENTIAL DYNAMIC PLAN GROWTH********8000.03(-1465.42)
ICICI PRUDENTIAL INFRASTRUCTURE FUND - GROWTH********24000.01(-4866.16)
RELIANCE EQUITY FUND - GROWTH********37000(-6192.8)
RELIANCE GROWTH FUND - GROWTH PLAN - GROWTH OPTION********29999.94 (-4864.51)
SBI MAGNUM GLOBAL FUND-GROWTH********28000.01 (-6347.56)
TATA INFRASTRUCTURE FUND - GROWTH********24000.01(-3946.49)


Thanks in advance.
bABIDASH

[justsayraj]

Originally Posted by babidash@************

Hi Vicky,

I am a regular reader of your posts. From Last 12 months I have been investing in MF through SIP only, due to market slow down my portfolio is now in -ve. Can you please review and give some suggestion on my portfolio.

MF NAMES********At Price********Profit/Loss********
ICICI PRUDENTIAL DYNAMIC PLAN GROWTH********8000.03(-1465.42)
ICICI PRUDENTIAL INFRASTRUCTURE FUND - GROWTH********24000.01(-4866.16)
RELIANCE EQUITY FUND - GROWTH********37000(-6192.8)
RELIANCE GROWTH FUND - GROWTH PLAN - GROWTH OPTION********29999.94 (-4864.51)
SBI MAGNUM GLOBAL FUND-GROWTH********28000.01 (-6347.56)
TATA INFRASTRUCTURE FUND - GROWTH********24000.01(-3946.49)


Thanks in advance.
bABIDASH

That reflects the way sensex fell down. If you have invested for long term, keep invested and check your investment/portfolio every six months.

[Vicky78]

Originally Posted by babidash@************

Hi Vicky,

I am a regular reader of your posts. From Last 12 months I have been investing in MF through SIP only, due to market slow down my portfolio is now in -ve. Can you please review and give some suggestion on my portfolio.

MF NAMES********At Price********Profit/Loss********
ICICI PRUDENTIAL DYNAMIC PLAN GROWTH********8000.03(-1465.42)
ICICI PRUDENTIAL INFRASTRUCTURE FUND - GROWTH********24000.01(-4866.16)
RELIANCE EQUITY FUND - GROWTH********37000(-6192.8)
RELIANCE GROWTH FUND - GROWTH PLAN - GROWTH OPTION********29999.94 (-4864.51)
SBI MAGNUM GLOBAL FUND-GROWTH********28000.01 (-6347.56)
TATA INFRASTRUCTURE FUND - GROWTH********24000.01(-3946.49)


Thanks in advance.
bABIDASH

Magnum global is one fund you may want to consider exiting. It has been very inconsistant.

Also you have 2 infrastructure funds tata & ICICI. Pick one and drop the other.

Include one large cap fund.

[babidash@hotmail.com]

Thanks Vicky, Raj...

one more question is "After removing SBI Magnum, Should i continue with the other SIPs?" Which "large cap fund" is the best performing. Any suggestion.

Thanks Again...

[mrindia]

Originally Posted by babidash@************

Thanks Vicky, Raj...

one more question is "After removing SBI Magnum, Should i continue with the same SIPs?" Which "large cap fund" is the best performing. Any suggestion.

Thanks Again...

Actually you may choose from
1) HDFC Top200
2) HSBC Equity
3) DSP ML Top100
4) Sundram Select Focus

mr india