MF PortFolio review

POSTED BY Ajay Sharma ON July 13, 2012 11:28 pm COMMENTS (3)

Hi all,
I have been investing in following funds by monthly SIPs..
MY time horizon is 15 year .
1.HDFC Equity(G) – 2.5K
2.HDFC Prudence(G) – 2k
3.HDFC Top 200(G) -2.5k
4.IDFC Premier Equity-A(G) -2k
5.Reliance Gold Savings Fund(G) -1k

Total monthly SIP is 10K .

one more MF that is only for one year for tax saving mutual fund
Canara Robeco Equity Tax Saver(G) -SIP 3K

Please Review my portfolio and suggest me if some thing need to be change.

thanks in advance

3 replies on this article “MF PortFolio review”

  1. Ajay Sharma says:

    Thanks BanyanFA… do you think PPF is better option than Balance fund ?
    @Ashal I don’t have any PPF account. i have 1.5K L in M.O.D account in SBI. I have around 1L in FD and NCD..
    also i have
    50 L term insurance .
    IL Rs in shares

    dependent : wife and one baby we are expecting in next 2 months.

    Please let me know if everything is on track ?

    thanks in advance

  2. BanyanFA says:

    Hi Ajay,
    Considering your tenure is for 15 years, your portfolio selection looks quite good. The only thing which I can suggest is to add a mid / small cap fund such as HDFC MidCap Opportunities or an ICICI Pru Discovery Fund.

    With a 15 years investment cycle, a mid cap fund is more likely to give you better returns over large cap funds.

    Also, as Ashal has asked on PPF, it would be important to start investing into PPF on a monthly basis which shall slowly build debt component of your portfolio. In that case, you can even opt out of HDFC Prudence fund and park its funds into a PPF account.


  3. Dear Ajay, do you have PF &/or PPF also? If yes how much mly/yly contribution is there?



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