Portfolio Review

[Vicky78]

Let make it simple

Based on your interest choose

1 balanced fund
1 Index fund or one large cap fund
1 multicap fund
1 Infrastructure fund
1 oppurtunities fund or one small/mid cap fund

All th funds that you have selected are good. Just pick the one of each type and stick to 5 funds.

 

[mrindia]

Hello!
I think you must retain either Kotak Opportuinity or Reliance Growth.
DSPML TIGER is good choice but remain bit watchful being a thematic choice
HDFC Prudence & a large cap fund of your choice alongwith above funds will end the list.
I personally will like to have one contra fund included to your choice list if possible.
I think you will be having enough midcap/smallcap exposure by this portfolio so as to not buy some exclusive midcap/smallcap fund.

happy investing!

mr india

 

[Sukhvinder Singh]

Re: HDFC AMC PMS Real Estate Fund

Hi,

I have also invested in this plan and i believe returns are going to be great.

Regards

Hello i live in the UK , after giving some thought i have gone for HDFC AMC's PMS Real Estate Fund which has entry at 25L.( 6+1+1) Yes, it is little expensive since it charges an entry load of 2.5%, 10% hurdle rate, then 12%+ 80:20, 15% 1st drawdown. But I personally feel that if HDFC is managing a real estate fund, that too development fund, then the returns would be quite good as they are quite knowledgeable and influential. They have much better rapport with majority of builders, developers, etc.

Was convinced abt their investment strategy as well, ( top 20 cities india, concentrating on Hotels/Residential/Commerical/Hospitals/Malls ) so decided to go it !!

what do you guys think of it ??, was it a safe/wise/foolish choice ?? , look forward to your comments

 

[Rigid]

Let make it simple

Based on your interest choose

1 balanced fund
1 Index fund or one large cap fund
1 multicap fund
1 Infrastructure fund
1 oppurtunities fund or one small/mid cap fund

All th funds that you have selected are good. Just pick the one of each type and stick to 5 funds.

Hello!
I think you must retain either Kotak Opportuinity or Reliance Growth.
DSPML TIGER is good choice but remain bit watchful being a thematic choice
HDFC Prudence & a large cap fund of your choice alongwith above funds will end the list.
I personally will like to have one contra fund included to your choice list if possible.
I think you will be having enough midcap/smallcap exposure by this portfolio so as to not buy some exclusive midcap/smallcap fund.

happy investing!

mr india

Thanks a lot friends. Now I've finally made up my mind on which funds to select for SIP though I ended up picking up a fund more that I initially thought I would. These are Kotak Opportunities, DSPML T.I.G.E.R., HSBC Equity, Reliance Growth and HDFC Prudence. Now everything depends on the minimum SIP value for a 12-month period because I can invest only upto 4K per month as of now.

BTW, is there any penalty/load applicable if I switch from the Dividend Reinvestment to Growth option for the same fund?

 

[friend]

Thanks a lot friends. Now I've finally made up my mind on which funds to select for SIP though I ended up picking up a fund more that I initially thought I would. These are Kotak Opportunities, DSPML T.I.G.E.R., HSBC Equity, Reliance Growth and HDFC Prudence. Now everything depends on the minimum SIP value for a 12-month period because I can invest only upto 4K per month as of now.

BTW, is there any penalty/load applicable if I switch from the Dividend Reinvestment to Growth option for the same fund?

Exit load conditions written in respective fund's document will apply for such transection

Friend

 

[life2007]

Hello Friends !

Now that I am happy by beginning a MF Portfolio (thanks to one and all), I would like to bit organize it with your opinion.

First I shall let you know my portfolio for you to advise me correctly.

1) DSP ML EQUITY = 3K (Now SIP of 1K for 1 year)
2) SBI Magnum Contra = 2K (Now SIP of 2K for 6 months)
3) HDFC Prudence = 2k (Now SIP of 1K for 1 year)
4) DSP ML TIGER = 3k (Now SIP of 1K for 1 year)
5) Franklin Prima Plus = 10K (Started SIP by my family last year of 1K)
6) Birla 96/SBI Tax 93 = 12K (Each One time lumpsum)
7) JM Contra = 10K (My first ever attempt in MF before getting in this forum. As like others, I also made mistake of low NAV and purchased it outrightly through a witty agent)

So this completes my portfolio. Now I would wait atleast one year before reviewing the performance and re-shuffling of each fund if required EXCEPT JM Contra Fund.

1) As I already have a more sound SBI Contra Fund and One year is still
not completed with the JM Contra fund, I was planning to switch to JM Emerging
Leaders. Kindly give your opinion and whether this is possible. Also any penalty would be
applicable for switching in the same fund house?

2) If I do get some surplus amount in between, I am planning to distribute
equally among the first 5 Funds in lumpsum. Is this strategy OK ?

3) I am not sure if the this year was only "One Year Wonder" for me. However, if I do have
a good coming year then, I plan to stick to only one ELSS i.e SBI Magnum Tax Gain 93.
Is this Ok ?

Please do give me your general overall opinion for the above so that I know atleast my thinking is in right track.

Thanks & Regards

Jeet

PS: Vicky, Your reply is also a must along with others like MrIndia, Surfingminds etc or else I will keep on requesting you. After all you are my unofficial financial planner . Just Kidding. But please do reply.

 

[mrindia]

Hello!
Its nice to c good picks in ur portfolio.

First I shall let you know my portfolio for you to advise me correctly.

1) DSP ML EQUITY = 3K (Now SIP of 1K for 1 year)
2) SBI Magnum Contra = 2K (Now SIP of 2K for 6 months)
3) HDFC Prudence = 2k (Now SIP of 1K for 1 year)
4) DSP ML TIGER = 3k (Now SIP of 1K for 1 year)
5) Franklin Prima Plus = 10K (Started SIP by my family last year of 1K)
6) Birla 96/SBI Tax 93 = 12K (Each One time lumpsum)
7) JM Contra = 10K (My first ever attempt in MF before getting in this forum. As like others, I also made mistake of low NAV and purchased it outrightly through a witty agent)

So this completes my portfolio. Now I would wait atleast one year before reviewing the performance and re-shuffling of each fund if required EXCEPT JM Contra Fund.

One thing I will like to add from my experience. Mark SIPs for at least 5yrs when you take it. You may stop any of them in midway if need be, by putting a simple request.

As I already have a more sound SBI Contra Fund and One year is still
not completed with the JM Contra fund, I was planning to switch to JM Emerging
Leaders. Kindly give your opinion and whether this is possible. Also any penalty would be
applicable for switching in the same fund house?

Swithing b/w funds is more or less equivalent to redeeming & re-purchasing. Take care of exit-load & tax implications b4 deciding.

If I do get some surplus amount in between, I am planning to distribute
equally among the first 5 Funds in lumpsum. Is this strategy OK ?

It will be prudent.

I am not sure if the this year was only "One Year Wonder" for me. However, if I do have
a good coming year then, I plan to stick to only one ELSS i.e SBI Magnum Tax Gain 93.
Is this Ok ?

One ELSS will be sufficiant. I personally feel if investment in ELSS goes more than 40k, diversify it into two.

Happy investing
mr india

 

[vijay121264]

Sir,
Last 4 months, I am regularly invested in Mutual Funds. List of My Mutual Funds are as follows.
1) ICICI Infra (Dividend Reinvest) Rs.11000/-
2) ICICI Indo Asia (By SIP Rs.1000/-Month)
3) SBI TAX Gain Rs. 10000/-
4) SBI Contra Rs. 10000/-
5) DSPML TIGER (Dividend Reinvest) Rs.11000/-
6) Reliance Equity Advantage Rs. 20000/-
7) Reliance Diversified Power Rs. 80000/-
8) Reliance Growth Rs. 12500/-
9) Reliance Regular Saving Fund-Equity Rs. 15000 + Rs. 1500 (SIP)
10) Reliance Natural Resourses Rs. 20000/-
11) Fidelity Tax Advantage (Dividend Reinvest) Rs. 1500 (Sip)
12) UTI Infra Rs. 10000/-


Sir, I want to know that tell me your suggestion about My fund selection. Shall I continue with this or sell this? also I want to invest another Rs. 50000/- in Reliance Natural Resourses & Rs. 2000 (SIP)
Pl. give me a reply

vijay121264

 

[life2007]

Thank you Mr. India for your reply.

Hello!
Its nice to c good picks in ur portfolio.

Thanks MrIndia. However, the credit should go to all of you, because I learnt the spelling of Mutual Funds from this forum only.



One thing I will like to add from my experience. Mark SIPs for at least 5yrs when you take it. You may stop any of them in midway if need be, by putting a simple request.

That is a great advice. But I have submitted already citing 1 year time. However, I will follow your advice at the first available opportunity.

Swithing b/w funds is more or less equivalent to redeeming & re-purchasing. Take care of exit-load & tax implications b4 deciding.

Ok ! Got it. Better to wait for One year then


It will be prudent.

Thanks


One ELSS will be sufficiant. I personally feel if investment in ELSS goes more than 40k, diversify it into two.

Thanks once again for this advice.

Happy investing
mr india

 

[deoria]

dear team members

i would like to know your opinion and sugestion on my present and proposed portfolio

Present portfolio
1. ICICI Pru Infrastucture-G
2. ICICI Pru Dynamic-G
3. JM Contra -G
4. JM Emerging Leaders-G
5. Sundaram Capex Opportunity-G
6. Sundaram India Leadership-G
7. Reliance Diversified Power Sector-G

Proposed portfolio under planning
1. ICICI Pru Infrastucture-G ( due to past performence)
2. DBS Chola Hedge Equity-G ( Due to hedging strategy)
3. JM Contra -G ( due to Sandeep sabharwal fund manager)
4. JM Emerging Leaders-G ( due to Sandeep sabharwal fund manager)
5. Benchmark Gold ETF ( due to low risk return)
6. Reliance Regular savings Equity - G ( due to past performence)
7. Reliance Diversified Power Sector-G ( due to Sunil sighania fund manager)

kindly give me your suggestion I WILL INVEST THROUGH SIP AND (LUMPSUMP OR SWITCH FROM GOLD ETF IN FALING MARKET ONLY)