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POSTED BY ON September 25, 2011 12:15 pm COMMENTS (3)
friends,
as such, direct equity share investment does not only require expertise to analyse the fundamentals of a company, but also need acccess to large information data base of the companies, and so difficult for average investor to success. whereas , mf managers are said to deliver year to year perforance of the mf v/s the market , and so , they can’t hold even the preferred equity shares for long time . what is the tool to decide the mf having fund management following the investment in only (good business) company’s equity shares without bothering where the equity share markets headed , in india? and which are those diversified equity mf as per your opinion?
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Diversified Equity Mutual Funds:
4 core holding Funds & 2 satelite holding Funds for long term (10YEARS) Mutual Fund Portfolio:
1. PURE LARGE CAP – FRANKLIN INDIA BLUE CHIP
2. PRE-DOMINANT LARGE CAP – HDFC TOP 200
3.VALUE STYLE MULTI CAP – DSP BLACKROCK EQUITY
4. LARGE CAP BIASED FLEXI STYLE – FIDELITY EQUITY
5. GROWTH ORIENTED MULTI CAP – FIDELITY INDIA GROWTH
6. MID & SMALL CAP – DSP BLACKROCK SMALL & MID CAP
AND
7. GOLD INVESTMENT – RELIANCE GOLD SAVINGS FUND.(MAX 10% OF PORTFOLIO VALUE)
Dear Bharat, you may search for MFs who have performed better for a full market cycle i.e. bull & bear phase. Some funds are in the market for last 10-15 years & have witnessed 2-3 such cycles.
To name a few –
HDFC Top 200
HDFC Eq.
Franklin Bluechip
DSP Eq.
Thanks
Ashal
Bharat,
1.Look for diversified equity funds with good record and start SIP right away for the selected funds. You can visit valueresearchonline for this.But don’t try to figure out the best fund as most ratings are based on past performances and no way future based.Ashal has suggested some good funds.
2.Remember not to over diversify.You need not select more than one fund from each market cap or category.It does not make sense and difficult to track.
3.Review your fund’s performance in respect to its benchmark and if it continues to lag for 4 quarters get rid of it.
4.You should have at least 5 years or more for equity investments.In today’s market conditions even lump sum investment in good large cap funds in addition to normal SIPs will be beneficial too.
5.Read Jago Investor regularly and you will get much information about mutual fund investments before you realise.
Happy investing.
Trishit Ray