Requesting portfolio review by experts - newcomer

#1
Hi All! Investors and experts,

I'm new to this forum. I have been investing in MF for quite sometime but had a little gap in-between. However, though I tried my best to read-learn and invest knowingly, I feel that my portfolio performance is not really up to the mark. I'm trying to declutter and balance my portfolio. Would really appreciate your opinions on my selections and next targets.

Age: 34 years
Risk Appetite: Moderate

Current funds:

Holding: Aditya Birla SL Dynamic Bond Ret-DQ - Last Purchase 2012 - 1k total
Holding: Aditya Birla SL Tax Plan Direct-G Last purchase 01/2017 - 12k total
Holding: Canara Robeco Equity Tax Saver Reg-G - Last purchase 03/2011 - 29k total
Holding: L&T Tax Adv Direct-G - Last purchase 12/2017 - 16k total
Holding: Reliance Tax Saver (ELSS) Direct-G- Last purchase 01/2017 - 24k total

Ongoing SIP: SBI Bluechip Direct-G - 2k p.m. - 10k total
Ongoing SIP: Kotak Standard Multicap Direct-G - 2k p.m. - 13k total
Ongoing SIP: Axis Long Term Equity Direct-G - 2k p.m. - 58k total
Ongoing SIP: IDFC Tax Advantage (ELSS) Direct-G 1k p.m. - 4k total
Ongoing SIP: L&T Emerging Businesses Direct-G 1k p.m. - 5k total


I'm thinking of starting SIP in debt fund SBI Magnum Gilt-STP(G) & Franking india Income ST - 2k each. And one time investment into Axis or SBI liquid fund.

Thank you for your time!!
 

NJ78

Active Member
#3
You've spread your investments in all different directions. Focus is missing.

If I were you, I'd invest in a short-term debt fund (tracking the ongoing interest rate cycle) and avoid Gilt funds. Among your ongoing SIPs, I like SBI Bluechip & Axis Long Term Equity. Stick to them; the rest look like overlap & over-diversification.
 

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