Review my Mutual Fund Portfolio : which one do you recommend?

[Medhu]

Hi All,

I am presently investing in below Mutual Funds in SIP -
1. Hdfc Top 200 -- Rs. 2000/-per month
2. Hdfc Midcap Opportunity -- Rs. 1000/-per month
3. Reliance Gold Fund -- Rs. 1000/- per month

I have following queries -
a) Which one do I keep Hdfc Top 200 or Hdfc Midcap Opportunity, as both are from same group HDFC?
b) I also want to add one more SIP of Rs. 3000/-, which one do you recommend?

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[>take]

Hi All,

I am presently investing in below Mutual Funds in SIP -
1. Hdfc Top 200 -- Rs. 2000/-per month
2. Hdfc Midcap Opportunity -- Rs. 1000/-per month
3. Reliance Gold Fund -- Rs. 1000/- per month

I have following queries -
a) Which one do I keep Hdfc Top 200 or Hdfc Midcap Opportunity, as both are from same group HDFC?

I would go for HDFC Top 200, a consistent performer.

b) I also want to add one more SIP of Rs. 3000/-, which one do you recommend?

Select any one from these - ICICI Prudential Focused Bluechip Equity Inst I or Quantum Long Term Equity.

[jimmy_moh]

But when am seeing the HDFC 200 details in valuesearchonline, even though it is 5 star rated its 1 year return only shows 6.53. it is very low right?

where as SBI emerging business fund shows very good returns.

[Rahul]

- HDFC Top 200 is "Equity: Large & Mid Cap Fund"
- SBI Emerging Businesses is "Equity: Mid & Small Cap Fund"

Compare Apple with Apple not with Oranges and what is your requirement, if you want to invest for long term 10 years plus go for SBI Emerging Businesses. Plus also check long term performance of a fund and HDFC 200 is a consistent performer.

Source - valueresearchonline

[jimmy_moh]

I understood ur point rahul, but from the layman perspective, i just checked the returns of these funds and SBI-E looks good but still no one is referring this fund.

and am also planning for investing 4000 per month on 3 funds , long term [10-15], please suggest me 3 funds.

[Rahul]

As per me, the layman check the safety of his money, set up a target date / goal, choose funds and invest in the funds he likes. Nobody is expert and no one can predict - what is the future performance of a particulat fund. All the mutual funds wants to be in the top 5 but not all are there. So don't follow a fund, follow your goal.

[jimmy_moh]

so my plan is to invest for 10-15 year.... 5000rs per month , if you were in my situation which funds you will select...

[Expert]

so my plan is to invest for 10-15 year.... 5000rs per month , if you were in my situation which funds you will select...

Long Term Investment (Min 10 Years) - ICICI Prudential Discovery Inst I, IDFC Premier Equity, Reliance Equity Opportunities Inst

Source - PW.com

[jimmy_moh]

in ICICI Prudential Discovery .. whats the difference between Inst I and G

[Expert]

Inst I - For Institutional Investors
Growth - You can select dividend or growth option.