Portfolio review

POSTED BY Chetan Ambi ON December 19, 2012 9:07 am COMMENTS (3)

Hi Manish and Team,

I am 25 years now and new to investment world. But understood a lot about investment from jagoinvestor, tflguide, valueresearchonline etc. I have selected below funds to start with.  Is this portfolio looks ok? Do I need to consider any other MF’s? Could you please assist me?

Large cap: ICICI Pru Focused Bluechip Equity Retail-G
Large & Mid cap: HDFC top 200
Mid & Small cap: SBI Magnum Emerging Businesses
Hybrid (Equity Oriented): HDFC Prudence

Apart from these I have money Debt funds (PPF, RD) and also in emergency fund. So I can take little risk from above MF portfolio.


3 replies on this article “Portfolio review”

  1. Ok , when I said one mid-cap fund has to be there, it was in relation with some context, its not true for anyone . Its only true when your sole focus is to take high risk for high tenure investments and you can take the volatility which comes with it !

    As you said that you are looking at high tenure , you can then get into some mid cap funds , no issues..

  2. Chetan Ambi says:

    Dear Manish,

    Yes. I think I am trying to do lot of things. You just read my mind on this part (Occlumency – you know this world if you are a fan of Harry Potter :)). I understand that simple portfolio might be powerful. But I have read one of your articles that we must have one mid-cap fund in our portfolio since those have a very good potential to get good returns. Also you have said that we can have one good fund from each category.

    My short term or debt investments are just fine. I am managing them well. I just want concentrate on long term investments. As you said having 2-3 diversified funds in the portfolio is enough? Please advise.


  3. I think you are trying to do a lot of things . You have heard various kind of mutual funds and you are trying to get into all of them thinking that you will looose out some feature of benefits 🙂

    It happens when you are new . But now you need to understand that simple portfolio is more powerful ! .. Dont get into all kind of mutual funds . The way you need to think is like this

    1. Long term investments – If you want to do some investments into long term like 5-10 yrs , then you just need to get into equity mutual funds (diversified) . one bets are HDFC equity, DSPBR top 100 , Franklin Prima Plus etc etc .. there are more .. just 2-3 of them are good enough to start with

    2. Short term goals – less than 3 yrs . For these kind of goals , the best think would be to use Recurring deposit or some Debt mutual funds .

    I hope you get the simple rule . I hope you have already read my book 3rd chapter on equity and debt !


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