portfolio guidance needed

POSTED BY sreedhar raj ON August 16, 2011 5:17 pm ONE COMMENT

Hi friends,

            Please give your opinion on the mutual fund portfolio of my cousin, who is 30 years old and just shortlisted the following funds. He wants to save 2 crores after 25 years. His risk appetite is low to moderate. He can invest Rs.10,000/- a month.

1) HDFC Balanced — Rs. 3000/- p.m 

2) HDFC Top 200  — Rs. 2000/- p.m

3) UTI Dividend Yield — Rs. 2000/- p.m

4) BSL Dividend Yield Plus — Rs. 2000/- p.m

5) Reliance Gold Savings fund — Rs.1000/- p.m

        Any changes required?

One reply on this article “portfolio guidance needed”

  1. Ramesh says:
    August 16, 2011 at 5:56 pm

    What are the criteria for selecting these funds? Rationale. If he is thinking, that since these are 5-star rated funds, then he needs to define many more things.

    Will 2 crores be sufficient after 25 years for his needs? Have a relook at it. consider the influence of inflation over purchasing power parity.

    Does he think he will be investing 10,000 per month for the next 25 years, without increasing the amount? If not, all kind of excel calculations are worthless.

    Put these funds in a portfolio analyser (available at valueresearchonline, morningstar, moneysights) and see the number of stocks in the portfolio.

    Reply

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