Portfolio advise

#1
Hi All,

Below is my total portfolio:-

I have Rs1,70,000 already invested in Mutual Funds and continuing SIP in following MFs:-
HDFC Top 200-G Rs. 9000 per month
IDFC Premier Equity Plan A-G Rs. 8000 per month
DSPBR Equity-G Rs. 3000 per month
Reliance Regular Savings Equity Fund Rs 3000 per month
ICICI Pru Infrastructure-G Rs. 2000 per month

I am also going to start MIP in following:-
1. HDFC MIP LTP - Rs 100000
2. Reliance MIP - Rs 100000

Please advise if this is a good split of debt vs. equity exposure. I am 33 year old and able to take risk for long term investment planning.
 
#2
Your fund selection is impressive. One small suggestion- u can consider other debt funds (like fortis flexi) instead of MIP. because u can easily switch to equity funds when market falls....
 
#3
although the MF selection of yours is good but I have my doubts on 2 funds

HDFC MIP and ICICI Infrastructure

what I see is low risk but avg -good returns in your portfolio

I would rather put in

FT India Growth Fund
Birla Div yield

My thoughts.....
 

nikrod

Active Member
#4
Hi All,

Below is my total portfolio:-

I have Rs1,70,000 already invested in Mutual Funds and continuing SIP in following MFs:-
HDFC Top 200-G Rs. 9000 per month
IDFC Premier Equity Plan A-G Rs. 8000 per month
DSPBR Equity-G Rs. 3000 per month
Reliance Regular Savings Equity Fund Rs 3000 per month
ICICI Pru Infrastructure-G Rs. 2000 per month

I am also going to start MIP in following:-
1. HDFC MIP LTP - Rs 100000
2. Reliance MIP - Rs 100000

Please advise if this is a good split of debt vs. equity exposure. I am 33 year old and able to take risk for long term investment planning.
Equity part of your portfolio is biased towards mid caps & is resive. If yo invest 2 lakh in MIP's, your equity part will reach around 210,000 while debt part will be around 160,000. The asset allocation is completely based on your risk profile.
 
#5
I am planning to invest in SIP for following funds.

HDFC GROWTH FUND - GROWTH
ICICI Prudential Discovery Fund - Growth
HDFC Top 200 Growth
RELIANCE REGULAR SAVINGS FUND-BALANCED PLAN- GROWTH OPTION

Please let me know if I should add/edit any funds mentioned above.

Thanks
 
#6
I am planning to invest in SIP for following funds.

HDFC GROWTH FUND - GROWTH
ICICI Prudential Discovery Fund - Growth
HDFC Top 200 Growth
RELIANCE REGULAR SAVINGS FUND-BALANCED PLAN- GROWTH OPTION

Please let me know if I should add/edit any funds mentioned above.

Thanks
 

nikrod

Active Member
#7
I am planning to invest in SIP for following funds.

HDFC GROWTH FUND - GROWTH
ICICI Prudential Discovery Fund - Growth
HDFC Top 200 Growth
RELIANCE REGULAR SAVINGS FUND-BALANCED PLAN- GROWTH OPTION

Please let me know if I should add/edit any funds mentioned above.

Thanks
Your fund selection is good. All of them are good funds. 1 being large cap (Top 200), 2 Mid cap (HDFC Growth & ICICI) & 1 multicap (Reliance).

I would suggest you to balance large - Mid cap proportion by allocating more to HDFC Top 200.
 
#8
Your fund selection is good. All of them are good funds. 1 being large cap (Top 200), 2 Mid cap (HDFC Growth & ICICI) & 1 multicap (Reliance).

I would suggest you to balance large - Mid cap proportion by allocating more to HDFC Top 200.
Thanks! Should I add one large cap fund? Which one you would recommend? I was thinking about Birla SL Frontline Equity -A (G)/Fidelity India Growth Fund (G)/Franklin India Bluechip (G).
 

rrmhatre72

Well-Known Member
#9
Your fund selection is impressive. One small suggestion- u can consider other debt funds (like fortis flexi) instead of MIP. because u can easily switch to equity funds when market falls....
Hi DRSambu,

If I switch from debt fund to equity fund then will it be considered as redumption from debt fund & I am eligible for short term gain taxes?
If it is not so then can I keep on doing this for "N" number of times?
Also advice if any fund house charges aplicable whenever we do switch.
 

nikrod

Active Member
#10
Thanks! Should I add one large cap fund? Which one you would recommend? I was thinking about Birla SL Frontline Equity -A (G)/Fidelity India Growth Fund (G)/Franklin India Bluechip (G).
Birla SL Frontline Equity -A (G & Franklin India Bluechip (G) are good Large & Mid cap funds. You can go for any one of them.
 

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