Switch these mutual funds?

POSTED BY Ram Goyel ON January 25, 2011 12:37 pm COMMENTS (3)

Manish – great website, kudos to you!

I followed your advice last year and started a SIP of 4,000/- each in Birla Sun Frontline Eq – A, HDFC Top 200, Reliance Rel Sav Eq and DSPBR Equity fund – all growth.

With a view of 12 years, should I stay with the Reliance Rel sav and DSPBR equity since their returns have not been very good and shift to any other fund like DSPBR Top 100 or Franklin India Bluechip or any other?

Thanks for your advice.

3 replies on this article “Switch these mutual funds?”

  1. Atul says:

    Hi Ram,

    I am sure you must have done your homework on how much corpus you need after 12 years and then accordingly started SIP. Also I hope you have not started SIP in MF mentioned above based on recommendation given by other members in the forum.

    I suggest have exposure to Midcap MFs also. Do not keep switching between MFs. MFs returns are higher if you follow discipline and stick to it.



  2. Sohil says:

    I dont feel investment made for purpose of 12 year you need to check return from first year.4-5 year down the line you will get exact picture.
    But if you still unhappy check the portfolio of your mf and the one in which you want to switch.If you find other attractive than this .You can shift.

    But again in 1 year you wont see something magical .I would say wait for 3 year atleast in a fund to get the exact picture.

  3. bharat shah says:

    better you decide your benchmark for reshuffle at regular interval, say one year or so. you could decide to hold till, say , the fund’s return should fall within 15%(the fig. you should decide) from the top performing fund in the category.

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