Sir, Now I am Investing Rs. 5.00 Lacs in SBI FMCG Fund for 1 Year, Can I expect 12% returns from this fund after 1 year?.any other suitable fund which give 12% returns after 1 year. Low risk and 1 year lock in period.
Dear Mr. Sheekanth, Hello…
I need your kind suggestion about mutual fund selection. I will be grateful to you and will really appreciate your effort.
I am now 32 years old. I have invested SIP in fund as below. All are direct plan with growth option.
1. Aditya Birla Sun life Frontline Eq. 4000/- per month. (Large cap)
2. Aditya Birla Sun life Pure Value 4000/- per month. (Mid cap)
3. Motilal mOST Focused 35 Multi-cap 4000/- per month.(Multi cap)
4. Mirae asset emerging blue chip fund 4000/- per month. (Mid cap)
5. Sundaram Select Mid cap 4000/- per month.
6. L&T mid cap 4000/- per month.
My investment horizon is 20-25 years and goal is for my child education and house for him .
Else these sips ,I am saving 40k also per month in my bank account to buy one land/flat for me as an investment as well as 20k for any emergency requirements too.
I need your kind suggestion about my fund selection and else if any.
Best Regards.
Hi,
Request you to post your queries in new ‘Forum thread’ (new question) from next time!
Individually all the listed funds are good ones. However, you have four Mid-cap funds. Suggest you to check their portfolios overlap. In case, the overlap among these funds is say more than 40 to 50%, you may consider trimming down your portfolio a bit. Higher allocation to mid-cap funds is fine, as your investment time-frame is very long-term.
Related articles :
https://www.relakhs.com/best-mutual-fund-scheme-risk-ratios/
https://www.relakhs.com/mutual-fund-portfolio-overlap-comparison-tools/
https://www.relakhs.com/calculate-kids-education-goal-amount/
https://www.relakhs.com/retirement-planning-calculator-3-easy-steps/
Dear Mr. Shreekanth,
I am sorry for your inconvenience . I really wanted to put separate question but could not get the option. I have checked and find the method now. In future I will take care.
Thanks for your reply and links for such a useful tool and article.
I checked and found min 05% (Birla Pure value and Sundaram Select mid cap) to maximum 18% (Birla Pure value and mirae asset emerging bluechip) as well as 09%, 14%, 15% and 16% overlap among four mid cap funds.
So in this scenario what is your kind advice?
My fund selection of 04 mid cap, 01 large cap and 01 multi cap for span of 20-25 years is OK?? Please advice. I will welcome your comments.
I really appreciate your effort and time you spare for me.
Regards
Hi,
Kindly note that the Funds’ portfolios change over a period of time.
The key point to note here is, to maintain a minimalist portfolio. Easy to track and convenient. But, there is no right or wrong approach. Given a choice, I will pick 1-2 mid-cap funds with same allocation as for four funds (%).
Dear Mr. Shreekanth,
Thank you. I got it. You mean to say I should invest in 1-2 mid cap funds. But there is no wrong or right approach.
Best Regards
Yes. It is not SHOULD but CAN 🙂
Yeah yeah…I mean the same. Thanks.
Best Regards
Yeah Yeah, I mean the same. Thanks
Best Regards
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