Please suggest on my MF portfolio.

[zedu]

I am 38 year old and investing Rs.2500/- each in five Mutual fund. The name are-
1. HDFC Top-200 (G)
2. Reliance Regular Saving Scheme (Eq) - (G)
3. DSP Black Rock Top-100 (G)
4. Birla Sunlife Midcap Fund (G)
5. Sundaram BNP Parabas SMILE Fund (G).
My objective is get good result after 10 year. I am aiming 15-20% per year return on my investment.
Kindly suggest me on my portfolio and to get above what type of changes should I made?
Thanks A Lot in Advance.

[jynn]

Zedu ji,

I do not see diversification in your funds .

Anyways I have some questions

A) Why did you pick these funds in the first Place any reason ?
Two of them have almost the same portfolio's(DSP black rock and HDFC )

b)The two Midcap funds (Smile and Birla ) have also identical portfolio's


c) Are you investing 2500 in SIP ? In the above funds ,if so forget 20%
You need to be Investing in swings /Rather than SIP mode,SIP never helped investor in troubled markets

d)Are you willing to diversify more(Commodity funds/Gold funds/Bond funds) ?

e)And out of simple curiosity when did you start these investments /What is the average return per year ?

[zedu]

Thanks for reply. My selection criteria is basically on following points:-
1. I have tried to diversify my fund in Two Categories i.e. Large Cap and Mid cap fund obviously Large cap for stable and midcap for extraordinary retuen.
2. Further I have divided these to cateogory in two 4-5 star Fund House in same field say HDFC-200 and DSPBR-100. Similarly BIrla Midcap & SMILE.
I have started 8 month back and presently It is around 4-6% return when Nifty is some whare around 4700.
I have very litttle idea about Gold or commodity fund thats I decided to over look. Your suggestion is welcome if you can give me 1-2 good diversification in portfolio.
Thanks again.

[milind]

Originally Posted by zedu

I am 38 year old and investing Rs.2500/- each in five Mutual fund. The name are-
1. HDFC Top-200 (G)
2. Reliance Regular Saving Scheme (Eq) - (G)
3. DSP Black Rock Top-100 (G)
4. Birla Sunlife Midcap Fund (G)
5. Sundaram BNP Parabas SMILE Fund (G).
My objective is get good result after 10 year. I am aiming 15-20% per year return on my investment.
Kindly suggest me on my portfolio and to get above what type of changes should I made?
Thanks A Lot in Advance.

Zedu - Good portfolio, congratulations! You have right mix of large and mid and good selection of funds.

-- Milind

[nikrod]

Since Reliance Regular Savings Equity also is Mixed Large Cap-Mid cap offering, you should shun one of the Mid Cap fund. As per the HDFC Top 200 & DSP BR Top 100, the difference is that DSPBR fund is pure large cap holding & is low risk-low returns proportion. HDFC Top 200 tries to keep 25 - 40 % of it's portfolio in mid caps hence generating better returns (with more risk). I think your portfolio will do wiyh following 4 Funds

Rel Regular Savings
HDFC Top 200
DSPBR Top 100
Birla Sunlife Mid cap

[zedu]

Dear Nikrod ji,
thanks for reply. I am slightly over weight on Mid cap oriented fund in expectation of high return in long term. I am expecting around 10-12% return from Large Cap fund and 15+ % return from Midcap fund.

[mrindia]

Originally Posted by zedu

I am 38 year old and investing Rs.2500/- each in five Mutual fund. The name are-
1. HDFC Top-200 (G)
2. Reliance Regular Saving Scheme (Eq) - (G)
3. DSP Black Rock Top-100 (G)
4. Birla Sunlife Midcap Fund (G)
5. Sundaram BNP Parabas SMILE Fund (G).
My objective is get good result after 10 year. I am aiming 15-20% per year return on my investment.
Kindly suggest me on my portfolio and to get above what type of changes should I made?
Thanks A Lot in Advance.

Hello!
With Rs 12500/- pm investment, I think 3 to 4 funds are enough. Portfolio may be re-set as:
DSP Top100: 4k
HDFC Top200: 4k
Rel Reg Sav: 2k
Birla Mid Cap: 2k

Happy investing
mr india