Fund Allocation

[blueninja]

In this portfolio, you have got the best funds covered. With age on your side and a commitment to invest for long term, I would second your opinion to give higher percentage to mid & small cap funds. In the long run, equities score much better than FDs or RDs which gives zero or even negative returns post-inflation.
In 1) take Franklin Bluechip India fund as its a good one, just like Quantum Long term equity. This way, you are diversified across fund houses as IDFC is covered in 4).
IDFC premier equity plan A is a good one to have and it is consistent. Keep a close watch on Rel growth because of its huge AUM >8000cr. It may not return as much as it used to, in the past. This fund has become more like a multi-cap fund (with a mid-cap tilt as of now), from its earlier tilt towards the mid & small cap.
As always, check back with us in 1 year's time. SIP on different dates of the month or different days of the week. Good luck!

Hello

If i hv to reorganise my protfolio should i organise like this


1) Franklin Inida Blue Chip
2) HFDC Growth Top 200

3) IDFC Premir Plan A
4) Reliance Gwoth
5) DSPBR Micro Cap

6) Relaince Regular Saving Balance

thnk s

 

[yodlee99]

Blueninja,
You have some interesting funds. Interesting because you are in for the long term and you can experiment a bit. Typically, I would desist from having such high allocations to mid & small caps. On top of that, you have added a DSPBR microcap which has effectively made your portfolio tilt heavily towards small caps. Personally, I am in this for long term as well but I would not bet too much on small company stocks or small-cap mutual funds.

Let me suggest this, in case you want a 2nd opinion and you can finally go with what you feel is right for you:
Birla SL Frontline Equity Plan A, Franklin India Blue Chip, HFDC Growth Top 200
IDFC Premier Plan A, DSPBR Micro Cap and
Reliance Regular Saving Balance
Punch this in valuereseachonline portfolio, make a note of the cap-wise allocations and see if you are ok with it. Good luck!

 

[blueninja]

Hi

I hv been trying to invt vide SIP with Citi Bank . I m not sure why all funds are not showing up. don't know why ?

pls adv if their is same problem with icici direct ?

thnh s

 

[abdriver2000]

Not all funds are available for SIP. It depends on the contracts which Citibank in this case has with the different AMCs.

 

[blueninja]

Not all funds are available for SIP. It depends on the contracts which Citibank in this case has with the different AMCs.

Hello

I tried for reliance regular saving equity , if believe this fund is hving sip also citi bank is hving contact with AMC.

I hv faced problem in other funds also . not sure why ?

is their any similar problem with icici direct ?

thnk s

 

[palav85]

For Tax Saving, I am suggested plz yu go to Single Premium Policy.

 

[sunkana]

Now market levels are high . wait for 5% correction.untill that use balanced or MIP fund
regarding ELSS calculate your tax requirement then proceed. since it have indirect 3year locking period

 

[xxdiesel]

Here's my portfolio based on a monthly SIP. I am 33 so entering Equity markets a bit late, so I have constructed a slightly aggressive portfolio. Please review and share your comments:

DSPBR Top 100 Equity Rs. 2,000
HDFC Top 200 Rs. 2,000
IDFC Premier Equity Rs. 2,000
DSPBR Micro Cap Rs. 1,000

 

[yodlee99]

Good selection of funds. Your first 2 funds are good. You have got >50% allocation in mid&small caps... are you ok with that high a contribution ? If you are a long term investor (15-20 years) this might be ok. I would instead suggest:
DSPBR Top 100 Equity Rs. 2,000
HDFC Top 200 Rs. 2,000
Birla Sunlife Frontline Plan-A or Reliance Regular savings equity Rs. 2000
IDFC Premier Equity or DSPBR Micro Cap Rs. 1,000

Here's my portfolio based on a monthly SIP. I am 33 so entering Equity markets a bit late, so I have constructed a slightly aggressive portfolio. Please review and share your comments:

DSPBR Top 100 Equity Rs. 2,000
HDFC Top 200 Rs. 2,000
IDFC Premier Equity Rs. 2,000
DSPBR Micro Cap Rs. 1,000

 

[blueninja]

hi

i will suggest not to go with DSPBR Micro Cap , as it has 2 yr lock in period

thnj