Shall I consider Mutual Fund Asset Re-allocation ?

POSTED BY Sonal R Patel ON June 13, 2014 8:36 am COMMENTS (3)

Dear All,

I have been investing 4000 p. m since 6 months in these below funds, purely for long term investment. Shall I consider for re-allocation? If not, when should I go for it?

1. Large Cap – UTI Equity – 500/-

2. Large-Mid Cap – ICICI Pru Dynamic – 1000/-

3. Large-Mid Cap – Mirae Asset India – 1000/-

4. Mid-Small Cap – Franklin Small Companies – 1000/-

5. Equity-International – DSP Blackrock US Flexible – 500/-

Regards,

Sonal

3 replies on this article “Shall I consider Mutual Fund Asset Re-allocation ?”

  1. Ashish Garg says:

    You must have selected these funds on certain basis, usually past performance or on someone’s suggestions.

    Please look at, where these funds are investing? Is there high duplication among these funds? If so then stick to only the fund which is performing better than other in longer and shorter runs. Also keep your investment limited to 2-3 funds only.

    Spreading your money across various funds (which are actually investing in same company stock is not a good idea). It is like buying stock of same company through different brokers and then comparing it.

    Ashish

  2. Sonal R Patel says:

    Thank You Ashish,

    I got your point. Are these funds good for long term? And what should be usual interval for monitoring and re-allocating? What exactly should I do during re-balancing?

    Sonal

  3. Ashish Garg says:

    At one point you are saying Investing for Long Term and then in next you said, looking at reallocation in 6 months…

    Give some time to see the growth. If any of your fund is not performing as per its benchmark and peers, still 6 months is a very short time period to assess.

    Ashish

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