SIP Portfolio Allocation – Would love your comments

POSTED BY shyam menon ON July 15, 2013 8:34 pm COMMENTS (6)

Hi All,
Hope you are all doing well. Here is my monthly SIP portfolio allocation which i plan to review regularly over the coming years and tweak. Please let me know if you think this is a good risk diversified allocation.

Scheme: Franklin India Bluechip Fund (G)
Amount (Rs): 6000.00

Scheme: Templeton India Equity Income Fund(G)
Amount (Rs): 4,000.00

Scheme: HDFC Balanced Fund(G)
Amount (Rs): 6,000.00

Scheme: HDFC Mid-Cap Opportunities Fund(G)
Amount (Rs): 4,000.00

Scheme: Quantum LT Equity Fund(G)
Amount (Rs): 6,000.00

Scheme: SBI Dynamic Bond(D)-Reinvestment
Amount (Rs): 5,000.00

Scheme: ICICI Pru US Bluechip Equity Fund(G)
Amount (Rs): 5,000.00

Thank you so much in advance,
SM

6 replies on this article “SIP Portfolio Allocation – Would love your comments”

  1. Dear Shyam, please restrict your choices to just 2-3 funds to reap the benefits of Mf investing over long period.

    Thanks

    Ashal

  2. Dear shyam, do you want to invest for your future wealth creation or want to be a collector of funds? Only 2 or at best 3 funds are enough for you. which one to chose from your list, please decide on your own.

    Thanks

    Ashal

    1. shyam menon says:

      Hi Ashal,
      I am looking to diversify my risk over the long term, hence choosing funds from different buckets.
      Thank You,
      Shyam

  3. Kuntal says:

    Hi Shyam,
    As Sumit has said, quite a good mix of funds. However, I would like to touch upon a few points:
    1. What is your debt component? If you have proper asset allocation, a balanced fund is not necessary for long term investing.
    2. Make sure you understand the taxation status of pure international funds.
    3. SIP in debt fund does not make much sense, as the average maturity of different SIPs will differ, thereby decreasing return. Invest lumpsum periodically in debt funds.
    4. Do not, I repeat do not increase the no of your funds, however interesting the new fund may be.

    Good job overall. Dont over assess. Go ahead & invest.

    Tks,
    Kuntal.

    1. shyam menon says:

      Hi Kuntal,
      Thank you so much for your reply. I appreciate your comments. I was wondering about the best way to invest in debt funds. I see you recommend a lumpsum allocation instead of SIP, i shall explore that option.
      Thank you once more,
      Shyam

  4. Sumit says:

    Has a good mix of equity – large, large-mid, multicap, international and debt components,

    I would just prefer IDFC premier Eq or SBI emerging business than HDFC midcap (though this is also an excellent fund) if I were you.

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