My Equity and Debt portfolio

[RealRahul]

Hi all gurus,

I am 25 years old and have about Rs 100,000 in Stock holdings, Rs 300,000 in FDs.

My monthly Equity SIPs are

HDFC Top 200 (G) - 15,000
Reliance Reg Saving Equity (G) - 10,000
IDFC Premier Equity (G) - 10,000

I have accumulated about Rs 175,000 from these SIPs above and am asking for your suggestions. Do you think the mid-cap/small-cap allocation is high ? (40% according to ValueResearchOnline portfolio).

2. My debt MF holdings are
IDFC SSI Med Term (G) - 50,000 [Not great performance in last 6 months]
Templeton India ST Income (G) - 200,000 [Yields about 6.25% in last 6 months]

Can you guys suggest a couple of other good debt MF (short term) please that have a decent record and good yields? I am thinking of Birla Dynamic Bond Retail (G) or UTI ST Income (G).

thanks,
Rahul

 

[romb4u00]

i am using reliance money as trading platform do u have any idea about its latest platform "Insta Plus". i cant trade through it.
plzzz help me.

 

[RealRahul]

yodlee99 did you delete your reply? I was going to reply to that.

 

[rajivnc]

Dont go behind debt funds if your goals are having a long term [>5 years].

Equities are the best means of investment for a long term investment goals.

I just saw some useful information at the following links

http://mytipstowardswealthy.blogspot.com/2010/09/goal-based-investments-must-to-do-in.html

http://mytipstowardswealthy.blogspot.com/2010/09/fixed-deposit-to-double-our-money.html

 

[RealRahul]

Rajiv,

I invest regularly through SIPs for my long term investments. I am looking for advice to invest in lumpsum money in debt funds.

thanks

 

[rajivnc]

Rajiv,

I invest regularly through SIPs for my long term investments. I am looking for advice to invest in lumpsum money in debt funds.

thanks

Check Valueresearchonline for the best Debt fund. Select the one with five star rating.
I usually make use of Auto Sweep facility in SBI to park my debt% of my portfolio. This is better for investors within 10% Tax Bracket. For 30% Tax bracket Debt MFs may be better.

Also Usualy Debt funds used to perform only in par with bank FDs.

 

[yodlee99]

hmmm... looks like jaadhu here
I mentioned that you have enough debt in the form of FDs and you have age on your side. Being 25, you can afford to take some risk and make more from equity and you can shift towards debt as you grow older. Simple formula is
Debt:Equity = your age:100-age = 1:3 in your case.
You can also substitute a balanced fund like HDFC prudence (in place of HDFC Top 200) or Reliance Reg Sav Balaced in place of RSF Equity fund to increase the debt component.
Read: http://valueresearchonline.com/story/h2_storyview.asp?str=15273

If you think 40% allocation is too high for mid&small caps, you can reduce SIP in IDFC premier equity and increase the other 2 funds.
You have good funds.. continue SIP in them and increase SIP amount every year. Set financial target and invest using SIP in well managed equity diversified funds. Check your portfolio every year.
Good luck!

i am using reliance money as trading platform do u have any idea about its latest platform "Insta Plus". i cant trade through it.
plzzz help me.

 

[romb4u00]

is anyone going to help me plzzz

 

[rajeshn2007]

Hi all gurus,

I am 25 years old and have about Rs 100,000 in Stock holdings, Rs 300,000 in FDs.

My monthly Equity SIPs are

HDFC Top 200 (G) - 15,000
Reliance Reg Saving Equity (G) - 10,000
IDFC Premier Equity (G) - 10,000

I have accumulated about Rs 175,000 from these SIPs above and am asking for your suggestions. Do you think the mid-cap/small-cap allocation is high ? (40% according to ValueResearchOnline portfolio).

2. My debt MF holdings are
IDFC SSI Med Term (G) - 50,000 [Not great performance in last 6 months]
Templeton India ST Income (G) - 200,000 [Yields about 6.25% in last 6 months]

Can you guys suggest a couple of other good debt MF (short term) please that have a decent record and good yields? I am thinking of Birla Dynamic Bond Retail (G) or UTI ST Income (G).

thanks,
Rahul

Hi,
your current portfolio is fine. you could reduce your midcap fund holdings. avoid uti/birla etc.
Bank FD interest rates are on the rise, which could give more than debt fund returns.

 

[rajeshn2007]

i am using reliance money as trading platform do u have any idea about its latest platform "Insta Plus". i cant trade through it.
plzzz help me.

reliance insta plus is a browser based trading system. check the browser settings.
http://www.reliancemoney.com/insta-trade.aspx