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Topic: An Ideal Mutual Fund Portfolio

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analyst_i
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Joined: 30/Jul/2009
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Posts: 50

Posted: 24/Apr/2010 at 11:22pm

The best strategy in mutual funds is start an SIP(systematic invest plan , where mostly you invest monthly at a particular date with a particular amount) for around 3 years and forget.Reason for SIP is averaging and in emerging markets like India it works well as the markets will be volatile.
Coming to selection of funds I would suggest to have mixture of best Large cap and Midcap funds.
Coming to the large cap the best fund is HDFC top 200 and midcap the best is SUndaram select midcap.As both outperformed the indices consistently over 3 years time frame.

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manish_okhade
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Joined: 20/Oct/2008
Location: India
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Posts: 1997

Posted: 24/Apr/2010 at 10:13am

I have following thoughts for not investing in MF:

1) Performance depends on the MF Mgr not on system. One needs strong faith in a perticular person.

2) All invests majority in large cap to look like a zebras which is against equity investing theory for getting large gains.

3) MF Mgr is evaluated every hr/day/month and so on. So pressure to perform is intense which drives them to bet not invest. Investing needs some patience for opportunity to rise.

4) Benchmark is always sensex, irrespective of sensex valuation MF continue to invest as and when money comes to them. Performance is avaerage and as a whole depends on market.

Summary: I was chatting on this matter with my broker who spent his life in the market. That broker said that last year when mkt was peaking out then he discussed with HDFC's Prashant Jain whrther its a right time to invest? Mr Jain replied that valuation is high and fresh investment is not advisible but he can not say so to his customers, reason is that mandate of any MF scheme to always invest !!!!!!

Recently Sandeep S has made a statement in the interview that genius of investing lies in understnding the trnd not in spotting high/low. (True, but i cnt spare my money for such speculations :-).)

Overall life is not as simple as giove the money to MF scheme and forget it.

Disclaimer: Above narration couled be incorrect but sharing what i am told as it is.

Edited by manish_okhade - 24/Apr/2010 at 10:16am

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manish_okhade
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Joined: 20/Oct/2008
Location: India
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Posts: 1997

Posted: 24/Apr/2010 at 10:20am

I forgot to mention the BEST ADVISE on MF investing none other than Peter Lynch.

1) An average investor should select the index fund from leading MF House.

2) Every 1-2 year mkt drops by 10%, thats the right time to invest in MF.

3) Think long term!

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photophobic111
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Joined: 20/Mar/2009
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Posts: 162

Posted: 15/May/2010 at 10:54am

Manish,

I always have doubt that why not buy like 30 - 40 good stocks (good - offcourse in your opinion) over period of time (just like SIP) and try to make MF of your own.

Anyways, I just started investing and have few stocks in portfolios but considering my naiveness, I am more or less torn between having or not having MF in portfolio....

May best bet win :)

SA

Originally posted by manish_okhade

I forgot to mention the BEST ADVISE on MF investing none other than Peter Lynch.

1) An average investor should select the index fund from leading MF House.

2) Every 1-2 year mkt drops by 10%, thats the right time to invest in MF.

3) Think long term!

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abhishekbasu
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Joined: 07/Sep/2008
Location: India
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Posts: 335

Posted: 16/May/2010 at 11:18am

Mutual Funds are an excellent way to get exposure to the equity market. For people who have little or no interest in the market or have no time, they are an excellent vehicle for wealth creation over the long term. It is fairly easy to bash MFs for their short term outlook, but quite a few funds from the bigger fund houses have a sterling long-term (over 10 years) record. Funds like Franklin Prima Plus, Bluechip, HDFC Equity & Top 200 and host of other funds have given very good returns. In fact, if assessed objectively very few retail investors would actually be able to beat such returns over a period of time.

IMHO, it is up to the individual to decide based on his personal interest.

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trader31339
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Joined: 02/Aug/2010
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Posts: 5

Posted: 02/Aug/2010 at 11:38pm

Dear Freinds,

What will be better option.
1) Directly invest in companies with research or based or brokers/ analyst research reports ?

2) Invest in mutual fund ?

3) Invest through PMS ?

Can anyone tell me how to find the correct exit time of mutual funds ?

Further during the recent market crash , ie from From Feb, 2008 to Oct,2008 , were mutual funds equity, sitting on cash by selling their holdings?

Any person who invested in mutual fund around Feb,2008 must have lost his peace of mind ???

I am considering to invest via mutual fund but the crash but I am worried , what to do if market all of sudden starts coming down crashes ??

Can anyone tell me what should one do incase of mutual fund , when market starst crashing ??

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abhinavkapoor9
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Joined: 21/Jul/2010
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Posts: 5

Posted: 30/Sep/2010 at 1:30am

Dear all

I have invested in following four MFs, which are all Equity Diversified:

1) Birla SL Frontline Equity -A (G) (Invested as SIP)

2) Reliance Growth Fund - RP (G) (Invested as lump sum twice)

3) DSP-BR Small & Mid Cap -RP (Invested as SIP)

4) Reliance Equity Oppor - RP (G) (Invested as SIP)

I have stopped investing furthur in the first two schemes. I have started investing in last two since last month only.

My question are :

1) Is it better to choose Equity:Diversified MFs always or one should go for some other types like Equity: Sectoral?

2) What should be an ideal mix of MFs / SIPs in such a portfolio?

Request you all to share your views and experience.

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tejas.k
Senior Member

Joined: 07/Dec/2009
Location: India
Online Status: Offline
Posts: 563

Posted: 09/Jan/2011 at 12:55pm

hi guys,
my SIP includes the following

1) HDFC Top 200 ( equity large and mid cap)
2) IDFC Premier equity (equity mid and small cap)
3) HDFC Equity ( equity multi cap)
4) HDFC Prudence (hybrid equity oriented)
5) Reliance pharma growth (sectorial pharma)
6) Reliance banking retail growth (sectorial banking)

Are there too many funds? I want to hear your views.

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