Dear All,

I have figured out the below Debt Funds to be a part of my portfolio, require a quick run trough and let me know if i have missed anything.

The investment strategy would be lumpsum at times and in SIP at times.

My investment horizon is 4-5 years, and this debt part should be serving as a debt part of my portfolio.

My equity exposure is only 2 funds.

Quantum Tax Saver and Franklin Tax sheild.

My choice of Debt Funds….

1. IDFC Dynamic Bond Regular

Avg Maturity : 5.77 Yrs, Credit Quality : AA, Expense Ratio : 1.2, Total Assets : 3998

2. Birla Sun Life Dynamic Bond Ret

Avg Maturity : 3.65 Yrs, Credit Quality : AA, Expense Ratio : 1.17, Total Assets : 14660

3. Templeton India Income Opportunities Fund

Avg Maturity : 3.07 Yrs, Credit Quality : AA, Expense Ratio : 1.65, Total Assets : 3019

Given the interest rate cycle to go down, shouldn’t these funds with Avg Maturity @ 3-4 Yrs be doing good?.

I am inclined to BSL Dynamic Bond Fund and IDFC Dynamic Bond Regular

Please suggest if any one has any other thoughts…

Thanks in Advance,

Sunil.