Need Comments on Protfolio
- Thread starter sachinkalyan
- Start date
Couple of comments,
1. Too many funds, you have placed small sums of money in too many funds. This leads to over - diversification which financial experts say is not a good thing. You should aim at consolidating them in 3 or 4 funds.
Given that some of these lumpsums are into an ELSS scheme, you will have to consolidate it over a period of time.
2. Almost 50% of your investment is P.F. That's risk free and low returns for your investments. You could consider reducing the investments in MF and increasing in MFs, SIP route would always be recommended. For example you bough Principal when it was 100 odd and now its 40 odd. A SIP route would have helped you average your cost out.
1. Too many funds, you have placed small sums of money in too many funds. This leads to over - diversification which financial experts say is not a good thing. You should aim at consolidating them in 3 or 4 funds.
Given that some of these lumpsums are into an ELSS scheme, you will have to consolidate it over a period of time.
2. Almost 50% of your investment is P.F. That's risk free and low returns for your investments. You could consider reducing the investments in MF and increasing in MFs, SIP route would always be recommended. For example you bough Principal when it was 100 odd and now its 40 odd. A SIP route would have helped you average your cost out.
That depends on your investment objectives. You need to find a fund that suits you and not a fund that's doing well on a popularity scale. People invest in long term or short term, for dividend or growth, can take more risk or low. First define that you want. Even better, write down an investment goal.
Of your tax saver investments, I myself invest in SBI Magnum. Its rated well and has done better than almost all the others in its category both in short and long term. You could continue investing in that for 80c purposes. Another decent one in this category on your list is HDFC, also concentrates on large cap so you could continue to split your tax saving investments between these 2.
Of your tax saver investments, I myself invest in SBI Magnum. Its rated well and has done better than almost all the others in its category both in short and long term. You could continue investing in that for 80c purposes. Another decent one in this category on your list is HDFC, also concentrates on large cap so you could continue to split your tax saving investments between these 2.
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