Can you please advice on my MF portfolio?

Dear Sreekanth,

1. I already have HDFC Mid-cap opp fund in my portfolio, okay I will add one at least in each portfolio I have.

2. Yes that was my plan to pay PPF yearly amount from the redeem units.

4. Okay

Apart from this, based on your other suggestions I will modify my current portfolio and will ask you for further review.

Thanks!

Hi Sreekanth,

Based on your suggestion and few more consideration, I am in the final stage of reshuffling my portfolio and I need your suggestion again on my SIP portfolio review.

I am thinking to create a diversified portfolio for each goal which contain mix of Large cap, Multi-
cap, Mid-small cap and a Debt fund.

I want to go for 75% ~ 25% equity-debt ratio overall.

Hence I have chosen some new funds (from missed funds category) as highlighted as NEW below:

PORTFOLIO – Retirement
1. Franklin India Bluechip Fund(G) (EQUITY-Large Cap, 10000 per month)
2. ICICI Pru Value Discovery Fund(G) (EQUITY-Multi Cap, 7000 per month)
3. HDFC Mid-Cap Opportunities Fund(G) (EQUITY-Mid Cap, 15000 per month)
4. Birla SL FRF-Long Term Plan(G) (DEBT, 8000 per month)

PORTFOLIO – Child Marriage
1. ICICI Pru Bluechip Fund (EQUITY-Large Cap, 10000 per month) ………NEW
2. SBI Magnum Multi Cap (EQUITY-Multi Cap, 7000 per month) ………NEW
3. Franklin India Smaller Companies (EQUITY-Mid-Small Cap, 7000 per month) ………NEW
4. DSPBR Income Opportunities Fund-Reg(G) (DEBT, 6000 per month)

PORTFOLIO – Child Education
1. SBI Bluechip (EQUITY-Large Cap, 10000 per month) ………NEW
2. Franklin India Prima Plus Fund(G) (EQUITY-Multi Cap, 7000 per month)
3. Mirae Asset Emerging Bluechip Fund (EQUITY-Mid-Small Cap, 7000 per month) ………NEW
4. ICICI Pru Flexible Income Plan(G) (DEBT Cap, 6000 per month)

Could you please suggest following:
1. My thinking of mix of funds in each category for each portfolio is required now and good to go?

2. Is the amount allocation between each fund category is okay or any correction required? Please note my all goals are 10+ years away.

3. Is my any of funds/portfolio is overlapped?

4. The newly selected funds are good enough or is there any better options?

Seeking for your valuable feedback on above.

BR,
Kumar!

Hi Sreekanth,

Since market is down now a days, so is it advisable to do additional top-up of some of the existing funds?

If yes, can you suggest which fund should I choose for one-time top-up investment just to take advantage of market fall?

Thanks,
Kumar

Dear Kumar,
Given a choice, I would make additional investments in Diversified equity funds or Mid/Small cap funds now for my long-term goals. Or Even in ELSS funds for accumulation + tax saving.

Dear Sreekanth,

Hope you are fine and doing well.

I am in the process of re-shuffling my portfolio for setting proper asset allocation between Equity and Debt fund. Presently I have investment in below 4 debts funds (apart from Equity funds) but I want you suggestion on following points:

1) Since my all investments are for long term (7+ years), are these 4 existing debts funds (mentioned below) are right choice for debts funds for long term prospective? If No then can you please suggest which one should I replace and by which fund?

My current Debt funds:
> Aditya Birla SL FRF-Long Term Plan(G) (Active SIP)
> ICICI Pru Savings Fund(G) (Active SIP)
> DSP Credit Risk Fund-Reg(G) (Active SIP)
> Aditya Birla SL Dynamic Bond Fund-Reg(G) (IN-Active SIP)

Please note,
> I wanted to invest in only 3 debts fund for long term prospective (1 for each portfolio, total 3).
> I have some investment in FD
> I have some investment in PPF (but not much)

2) I am going for below allocation percentage for different fund categories, is that advisable or any correction required?

Equity: 70%
Larger Cap: 60%
Mid-cap/small cap: 20
Multi-cap: 20
Debt: 30%

Awaiting for your prompt response.

BR,
Kumar

Hi Sreekanth,

Thanks for your reply.

1) By 70% Equity, I meant Equity mutual funds (investment in Larger cap, multi-cap, mid-small cap mutual funds), Let me elaborate my details.

Currently I am investing 100,000 monthly via SIP in 3 different portfolios of Mutual funds. Each portfolio having mix of equity and debt mutual funds (details are available in my previous posts of this questions).

Now while doing mid-term review, I observe that the fund allocation between Equity and debt mutual funds is not proper, so I wanted to reshuffle my portfolio with 70~75% equity mutual funds and 25~30% in debt mutual funds.

Hence I am seeking your suggestions on my existing debts mutual funds, whether it is good to continue with these funds for long term (7+ years) prospective or should I replace with any other better long term debt funds (please refer my previous post for existing debt funds)

Apart from this, I do have separate investment in direct stocks, but its very little.

2) No, I don’t have EPF scheme as currently I am working aboard and my EPF account is suspended.

But, this brings me another question related to NRI investment, I will ask in a separate questions as I want to close this topic first.

Because of turning into NRI, I have holed my investment in PPF, so for debt side I only have SIP in debt mutual funds (apart from few FD).

Kindly suggest further.

BR,
Kumar

Hi Sreekanth,

Thanks again.

Can you also suggest on below allocation percentage for different fund categories for a long term portfolio (7+ years) , is that advisable or any correction required?

Equity: 70~75%
Larger Cap: 60%
Mid-cap/small cap: 20
Multi-cap: 20
Debt: 25~30%

Hi..The asset allocation is ok as of now, but you may have to review your portfolio and go for portfolio re-balancing as you approach your Goal target year(s).

Thank you!