noobsaibot's Mutual Fund Portfolio

#1
I have started investing in mutual funds . I am investing in three mutual funds in SIP mode. Please review and provide feedback.

1. HDFC Top 200(G) - 1000 pm
2. HDFC Midcap opportunities(G) - 1000 pm
3. UTI Dividend Yield(D) - 1000 pm
4. HDFC Cash Management Treasury Advantage(G) - 3000 pm
5. IDFC Ultra short term (G) - 2000 pm.

The 4th and 5th funds are used to keep my monthly savings. Chose them because they are ultra-short term funds which have a very low exit load.

I will increase the investing amount to 1-3 funds as my financial background improves.

Please provide feedback on my approach.
 
#2
I have started investing in mutual funds . I am investing in three mutual funds in SIP mode. Please review and provide feedback.

1. HDFC Top 200(G) - 1000 pm
2. HDFC Midcap opportunities(G) - 1000 pm
3. UTI Dividend Yield(D) - 1000 pm
4. HDFC Cash Management Treasury Advantage(G) - 3000 pm
5. IDFC Ultra short term (G) - 2000 pm.

The 4th and 5th funds are used to keep my monthly savings. Chose them because they are ultra-short term funds which have a very low exit load.

I will increase the investing amount to 1-3 funds as my financial background improves.

Please provide feedback on my approach.
1) Good one, Good track record and reputed fund house.

2) Again Good One

3) No Idea on UTI - I don't track it.

Ultra short term debt funds are not much to talk about. Doesn't matter much.

But you can have a look at HDFC short term opp. fund (though they have increased the time frame for exit load to 3 months now) and HDFC high interest fund.

Disclaimer: I am keeping my fund in the last 2 debt funds.

NK
 
#3
1) Good one, Good track record and reputed fund house.

2) Again Good One

3) No Idea on UTI - I don't track it.

Ultra short term debt funds are not much to talk about. Doesn't matter much.

But you can have a look at HDFC short term opp. fund (though they have increased the time frame for exit load to 3 months now) and HDFC high interest fund.

Disclaimer: I am keeping my fund in the last 2 debt funds.

NK
Is my allocation proper or should I add more funds?All my investments are intended for a minimum of 10 years.

And on the ultra short term funds, other exit load factor, what are the advantages of HDFC Short Term Opportunities and high interest fund? Or why did you opt those ones?
 
#5
Could you clarify what exactly you mean by 'Dividend Option'?

That said, it might help to be sure of what exactly you consider 'performing'. Performance analysis can be a slippery slope to navigate. True, its returns over the past year or so have been lesser relative to its peer group, but it appears to have been low on downside risk too.

Assuming you have confidence in the capabilities of the fund management team at UTI, and that you are comfortable with the dividend yield strategy and the downside risk on the fund, it is worth holding on in your portfolio.
 
#7
Mutual fund portfolio update

Hi everyone,

I am changing the structure of my portfolio a little bit. Your suggestions and inputs on making this are most welcome.

I am continuing existing three EQ MF SIPS as such.

1. HDFC top 200 1000/month
2. HDFC Midcap opportunities 1000/month
3. UTI Dividend Yield. 1000/month

I wish to add another fund which is a tax saving one. Since my quota of 80C still has something left. I have selected Canara Robecco Tax saver fund.

4. Canara Robecco Tax Saver. 1000/month

As savings/liquid cash option i am happy with my ultra short term funds especially IDFC . So am continuing with them .

5. IDFC ultra short term 3000/month
6. HDFC treasury advantage cash management 1000/month

I would like to add one debt fund which would give me decent returns (not any ultra short/liquid). Please suggest a couple of funds to look upon. I checked SBI dynamic bond fund, but i found it quite volatile and non performing in the recent time.


I would like to keep 4 equity funds and 1 debt fund in my portfolio(ultra short funds are saving options.)

Suggestions please.
 
#8
Revamped the folio over the last few years.

Monthy inestments into these funds. Switched to these planned couple of years back.

1. HDFC Mid-cap opportunities - 5k
2. Franklin India Smaller companies - 5k
3. ICICI Focussed bluechip : 5k
4. PPFAS Long term equity : 3k
5. ICICI Value Discovery : 2k

Stopped new additonal investments into short term funds, but continuing to hold.
1. IDFC ultra short term
2. HDFC Treasury advantage

Added a new Short Term debt fund. Made lumpsum investment, not planning to invest in monthly sip mode.
1. BSL Short term debt fund

Your comments and thoughts are welcome.
 
#9
Monthy inestments into these funds. Switched to these planned couple of years back.

1. HDFC Mid-cap opportunities - 5k
2. Franklin India Smaller companies - 5k
3. ICICI Focussed bluechip : 5k
4. PPFAS Long term equity : 3k
5. ICICI Value Discovery : 2k

Stopped new additonal investments into short term funds, but continuing to hold.
1. IDFC ultra short term
2. HDFC Treasury advantage

Added a new Short Term debt fund. Made lumpsum investment, not planning to invest in monthly sip mode.
1. BSL Short term debt fund

Your comments and thoughts are welcome.
Have a look at SBI-ETFs. Much better return than MFs and lower cost with good liquidity.
 
#10
Is my allocation proper or should I add more funds?All my investments are intended for a minimum of 10 years.

And on the ultra short term funds, other exit load factor, what are the advantages of HDFC Short Term Opportunities and high interest fund? Or why did you opt those ones?
Missed your this post. Duration of the underlying bonds play a great deal in giving return in short-term for these MFs ( Short term opp with avg. duration of 5-7 years and and high interest fund too in the same range). So if the interest rate goes down, the fund NAVs appreciates and vice versa.
My reasoning for entering and exit was to take advantage of that. With almost certain RBI action on loweing interest rate, these funds were about to get appreciated. But as they say, if these could go wrong, it will. And it happened that time. RBI didn't budge and these funds fell down.
If you are building your fixed income portfolio, I will suggest you to even look for direct NCD/Bond buying from the secondary market. They are offering much better return (8-9%) with AAA rating.

Allocation wise, I would restrict myself to not more than 5 funds in any case.
 
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