Mutual Fund Pick

POSTED BY kishorenath ON April 14, 2011 9:31 am COMMENTS (8)


Hello Everyone,

I am 25 and planning to start investing in mutual fund. Will start with 12000 rs per month and incease gradually.

I am planning to go for 2 funds in Equity Diversified and one in Banking and also one in technology. So 3000 RS in each fund.

Here is my pick for Equity Diversified ( 2 out of 5)

Birla Sun Life Commodity Equities – Global Precious Metals Plan -RP (G) 

ICICI Pru Focused Bluechip Equity Fund (G) 

HDFC Long Term Equity Fund (G) 

DSP BlackRock Micro Cap Fund – Regular Plan (G) 

Religare Mid N SmallCap (G)

Here is my pick for banking(1 out of 2)

Sundaram Fin-Serv. Opp.-RP (G) 

Reliance banking

Pick for tech (1 out of 1)

ICICI Pru Tech. Fund (G)

I am confused to choose 2 funds out of that 5 in eq diver, as i dont have much knowledge in that .Can you guys help me in that.
Time period: more than 10 years.



8 replies on this article “Mutual Fund Pick”

  1. kishorenath says:

    Thanks Santosh. I will go with ur suggestions.


    1. says:

      sure Kishore 🙂


  2. kishorenath says:

    Thanks all.

    I do invest in stock but i live outside India which makes me little difficult to follow stock market because of time difference/work/lack of recommendation. So thought of entering Mutual Funds. I can go for aggressive ones no problem in that .

    I dont have any IT stocks in my portfolio thats why I planned to have on Tech fund.

    Here is my Stocks portfolio with company and quantity

    Andhra bank – 950
    dena – 150
    Hndalco/Biocon/Coal india/Rel infra/sun tv — Each 25
    PVP Venture -1000( penny one- just gave a try/luck)bought at 10Rs
    Ashok Leyland -100

    With these the net loss is at 20000rs. This is because of HCC where the price dropped because of Lavasa issue. I can Hold these for years, say 10 years Min.

    Also my dad gave his shares to me. His Shares are Larsen – 100 and ultratech cement -20

    I didnt go for any tax saving fund as it is not good enough for me based on my current situation.

    At one point i will be settling in India so I want to start investing early.

    So ur suggestion in Mutual funds and also in my stock portfolio will be helpful to me.

    I have interest in share market as I lost Money at Early stage (when i was doing my First year studies). I lost around 1Lak in commodity marketing (in copper) From that time I had a mind to invest and convert that Loss to profits 😉 😉


    1. says:


      You mentioned you have long-term horizon (10 years!). Then why would you want to choose 2 sector specific funds. i mean, sector specific funds are bought keeping the short-term fads into consideration. Nothing wrong in buying some %age into sector funds but then for long-term, wouldn’t it be better if you just invested in good diversified funds & sit tightly?

      If you think, the above makes sense, we would recommend following 4 funds in equal allocations to make your portfolio –
      1. Birla Sun Life Dividend Yield Plus
      2. HDFC Top 200
      3. ICICI Prudential Discovery Fund
      5. IDFC Premier Equity OR IDFC Small & Midcap Equity

      The above portfolio would ensure appropriate diversification across large, mid & some amount of small cap exposure. And funds have good history of consistent great performance in all market cycles.

      Hope this helps.

      Santosh Navlani |

  3. Kishore nath

    It would be much easier for us to suggest something , if you can explain your situation a bit , your expectations and your risk taking ability .


  4. Ramesh says:

    For equity diversified, take any 2 out of
    – Templeton India growth / Templeton India equity income (my favs)
    – quantum long term equity (a little trickier to get to because many online portals do not support it)
    – IDFC premier equity
    – Reliance regular savings fund
    – Fidelity equity
    – HDFC equity
    – BSL Frontline equity

    for banking
    Reliance banking fund (not ETF)

    for Tech fund
    tata life sciences and tech fund (includes tech and pharma).

    but i would not recommend any sector funds for a new investor.

  5. kishorenath says:

    Just through internet

  6. Jagadees says:


    Can you tell us how did u shortlisted above funds? is it through word of mouth from colleagues or research in net or by any other means?


Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Download Our FREE Ebook!

Available only for first 100 people today

Download Our FREE Ebook!

Available only for first 100 people today