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Ideal portfolio for a moderate mutual fund investor

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Ideal portfolio for a moderate mutual fund investor

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

I am 36 years old. I have a moderate risk profile. I am investing in somemutual fundsfor the last few years. My investment horizon is 15 years.

Aditya Birla Sun Life Frontline Equity Fund-Growth-Direct Plan: Rs 11,000

Axis Long Term Equity Fund Growth: Rs 5,000

ICICI Prudential Long Term Equity Fund (Tax Saving) Growth: Rs 5,000

SBI Blue Chip Fund- Direct Plan Growth: Rs 10,000

HDFC Small Cap Fund – Direct – Growth Plan: Rs 9,000

Could you review myportfolioand suggest any corrections or further diversification? I have certain goals associated with each fund. I want toinvestanother Rs 10,000.

You are currently investing in two large cap schemes, two tax-saving schemes or ELSS, and a small cap scheme. Investors with moderate risk profile are typically asked to invest mostly in multi cap schemes. They are also asked to invest in large cap schemes if they want to diversify and reduce the overall risk in the portfolio. You are investing mostly in large cap schemes (Rs 21,000) and even your two tax-saving mutual funds have a giant and large cap bias. If you are okay with this, you may continue with your investments.

However, small cap schemes are not suitable to investors with a moderate risk profile. These schemes are highly risky, and they can also be volatile. That is why small cap schemes are recommended only to aggressive investors with a very high risk appetite and stomach for volatility.

Planning to invest in mutual funds to build a retirement corpus? Here is what you should know.

(If you have any mutual fund queries, message us onET Mutual Fundson Facebook. We will get it answered by our panel of experts.)

(%)Mirae Asset Tax Saver Direct-G3.6310.6810.8115.0221.55Invest NowMirae Asset Tax Saver Reg-G3.4510.139.8113.3019.90Invest NowMotilal Oswal Long Term Equity Fund Direct-Growth

ELSS3.908.806.17-0.6616.80Invest NowFeatured

ELSS3.0611.4511.6011.6615.48Start SIPMotilal Oswal Focused 25 Fund Direct-Growth

Large Cap4.6212.919.407.3614.84Invest NowDHFL Pramerica Gilt Direct Plan – Growth

Gilt3.174.927.0011.708.24Invest NowDSP Midcap Direct Plan-Growth

Mid Cap2.376.867.061.8714.15Start SIPDHFL Pramerica Hybrid Debt Fund Direct Plan-Growth

Conservative Hybrid1.214.655.9210.359.20Invest NowDSP Focus Direct Plan-Growth

Multi Cap3.7013.2410.578.9912.40Start SIPMotilal Oswal Multicap 35 Fund Direct-Growth

Multi Cap4.9410.687.994.0215.72Invest NowMotilal Oswal Midcap 30 Fund Direct-Growth

Mid Cap1.937.567.691.449.20Invest NowDHFL Pramerica Large Cap Fund Direct Plan-Growth

Large Cap3.6711.7511.9411.8312.71Invest NowDSP Small Cap Direct Plan-Growth

Small Cap3.799.886.78-5.638.39Start SIPDSP Equity Opportunities Direct Plan-Growth

Large & MidCap2.859.459.156.8015.07Start SIPDSP Credit Risk Direct Plan-Growth

Credit Risk-0.341.25-1.17-1.184.73Start SIPMotilal Oswal Long Term Equity Fund Direct-Growth

ELSS3.908.806.17-0.6616.80Invest NowDSP Tax Saver Direct Plan-Growth

ELSS3.0611.4511.6011.6615.48Start SIPDSP Liquidity Direct-Growth

Liquid0.631.853.677.617.20Start SIPICICI Prudential Savings Fund Direct Plan -Growth

Low Duration1.092.584.568.817.99Invest NowDSP Savings Direct Plan-Growth

Money Market1.152.464.368.747.08Start SIPDSP Strategic Bond Direct Plan-Growth

Dynamic Bond-2.85-1.220.955.965.81Start SIPDSP 10Y G-Sec Fund Direct-Growth

Gilt with 10 year Constant Duration3.034.356.3012.447.94Start SIPDSP Bond Direct-Growth

Medium Duration-3.56-1.87-1.201.545.93Start SIPDSP Short Term Direct Plan-Growth

Short Duration1.622.945.079.537.79Start SIPDSP Ultra Short Fund Direct Plan-Growth

Ultra Short Duration0.912.253.186.537.02Start SIPDSP Equity Savings Fund Direct-Growth

Equity Savings2.156.346.636.439.46Start SIPDSP Dynamic Asset Allocation Fund Direct-Growth

Dynamic Asset Allocation1.043.244.408.489.16Start SIPDSP Regular Savings Direct Plan-Growth

Conservative Hybrid2.075.333.722.087.21Start SIPDSP Equity & Bond Direct-Growth

Aggressive Hybrid3.099.469.728.9012.84Start SIP

– Returns less then 1 year are absolute and above 1 year are annualised.

– Returns of 1 year are absolute and above 1 year are annualised..

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Ideal portfolio for a moderate mutual fund investor

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