NDTV Social
Let's Talk Money

Let's Talk Money Team wrote a post :

Let's Talk Money Team

Answered by our expert: Amit Kukreja

Viewer Query: Name: Denver Fernandes
Age: 32 years
I have invested in MF through SIP's my portfolio includes the following,
  1. HDFC EQUITY FUND - 5,000/- per month.
  2. HDFC CAPITAL BUILDER - 5,000/- per month. 
  3. ICICI VALUE DISCOVERY FUND - 5,000/- per month.
  4. SBI MAGNUM MIDCAP FUND - 2,000/- per month.
  5. SBI SMALL & MID CAP FUND - 3,000/- per month.
I invest 20,000 per month in the above mentioned funds, with allocation as
  • LARGE CAP- 43%
  • MID CAP- 35%
  • SMALL CAP- 22%
Apart from this i have a HDFC SL PRO GROWTH FLEXI policy for 15 years, wherein I pay 1,00,000 yearly and here my funds allocation is  70% - HDFC MIDCAP OPPORTUNITIES and 30%- HDFC EQUITY.
Kindly advice on the funds I am investing in or any other good fund where i can switch to or look forward to invest in.

Expert advice: You have done a good selection of funds. However I suggest you to stop your SIP in HDFC Equity Fund and SBI Small & Midcap Fund due to its poor performance. Instead you can choose another multi-cap fund that has done well in the recent past. Kotak Select Focus Fund or Franklin India Prima Plus or Mirae Asset India Opportunities Fund can be chosen to replace HDFC Equity. And either DSP BlackRock Micro Cap Fund or Franklin India Smaller Companies Fund can be chosen to replace SBI Small & Mid Cap Fund.

Do ensure to invest in Direct Plans only for your investments in the chosen mutual fund schemes. They deliver better returns compared to regular plans and thus create a better compounding effect in your portfolio.
3 years ago

Like (0) Share on : FacebookTwitterPost a Comment

Subramani Iyer : 3 years ago
why this policy company is cheating n looting all.

Share This Page

Ask The Expert

Confused about your investments? Fill in the form below for expert advice.

About The Anchor: Manisha Natarajan

Manisha Natarajan is Executive Editor Business and Real Estate at NDTV. She currently hosts the daily prime time real estate programme 'The Property Show' and a weekend personal finance show ‘Let's Talk Money’.

Manisha learnt the ropes of television journalism as a reporter for BBC World's 'Moneywise' and 'India Business Report'. She has anchored over 1000 hours of live business news, including key events such as the Union Budget, Economic Survey, Credit Policy and Tax Roundtables.

She's also a keen blogger on ndtv.com and has been an in between columnist with Indian Express - ‘Stock Talk’ and Mint - ‘Money Matters’.

About The Show

There are either personal finance shows or business shows. The two don't meet. Let's Talk Money decodes top business headlines for your wallet.

Fun segments on money and strong advise on money management follow. No long winding discussions, no hedging answers to play safe. Along with industry specialists and experts, the show gets viewers to sit up and take control of their money, asking questions relevant to a large audience out there.

Join Us

Recent Updates