I have invested in Franklin India smaller companies fund which was suggested by almost every advisor in past in small cap category. But now its showing me negative returns.
How to be activate on investment. And what to do when the fund you have invested was performing well in past when you invested and but not performing well at present..
Every year almost every mutual website, YouTube channels release list of top mutual fund to invest. So should we change our portfolio or should we just stick to the fund we have invested in.
Firstly, one needs to build a Core portfolio with 2 to 3 funds from different fund categories.
Let’s note that no fund will remain in the ‘top performing list’ forever. So, the ideal way is to pick a fund that has been performing CONSISTENTLY (may not be a top performing one on a given date) over the last many years.
For example : I have been investing in HDFC Hybrid Equity fund for the last few years. The recent performance has not been up to the mark, but sticking to it, as its returns over the longer period have been good.
So, choose a fund which has gone through different market cycles/phases. Check how it has been performing. Also, keep a track of Fund manager.
But, this does not mean that one needs to stick to a laggard for long. Give a fund some time before churning/switching..
sir this franklin fund I am having in my portfolio for 6 years….still negetive return….how much time we should give if u suggest…sip still on..also same for hdfc mid cap…time horizon 15 years…thanks
Hi.. You may switch from Franklin fund to some other fund can be to your existing HDFC Mid-cap fund.