Suggestions for Mutual Fund Portfolio

[Pravi]

I request you to review the below portfolio and suggest your constructive views (if any).

Age: Mid-20s

Time Horizon: 5-10 years

Risk Tolerance: Moderate Risk

All plans are Direct-Growth

Planning to make a lumpsum (all at once) when market is a little down (not sure when)

Below are the minimum SIPs planned for now (yet to start)

SBI Nifty Index	500	1,20,000	60%	Low risk compared to Active
HDFC Mid cap Opportunities	100	30,000	15%	Good returns in long term
Tata Smallcap	100	4,000	2%	Good returns since inception
Kotak Flexicap	100	20,000	10%	Good returns since inception
ICICI Multi-Asset	100	20,000	10%	Good returns since inception
Parag Parikh Conservative Hybrid	1,000	3,000	1.5%	Stable return for long term
Kotak Debt Hybrid	100	3,000	1.5%	Good returns since inception
TOTAL	2,000	2,00,000	100%	-

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Mutual Fund Scheme Name​

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SIP (INR) per month​

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Lumpsum Investment (INR)​

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Percentage of Lumpsum (%)​

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Reason for selection​

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Should investing in either PPCH or KDH be enough?
Should investing in KF or IMA be enough?
Should I avoid TSC as KF or IMA is being invested in?

 

[hender]

I request you to review the below portfolio and suggest your constructive views (if any).

Age: Mid-20s

Time Horizon: 5-10 years

Risk Tolerance: Moderate Risk

All plans are Direct-Growth

Planning to make a lumpsum (all at once) when market is a little down (not sure when)

Below are the minimum SIPs planned for now (yet to start)

SBI Nifty Index	500	1,20,000	60%	Low risk compared to Active
HDFC Mid cap Opportunities	100	30,000	15%	Good returns in long term
Tata Smallcap	100	4,000	2%	Good returns since inception
Kotak Flexicap	100	20,000	10%	Good returns since inception
ICICI Multi-Asset	100	20,000	10%	Good returns since inception
Parag Parikh Conservative Hybrid	1,000	3,000	1.5%	Stable return for long term
Kotak Debt Hybrid	100	3,000	1.5%	Good returns since inception
TOTAL	2,000	2,00,000	100%	-

[th]
Mutual Fund Scheme Name

[/th][th]
SIP (INR) per month

[/th][th]
Lumpsum Investment (INR)

[/th][th]
Percentage of Lumpsum (%)

[/th][th]
Reason for selection

[/th]​

Should investing in either PPCH or KDH be enough?
Should investing in KF or IMA be enough?
Should I avoid TSC as KF or IMA is being invested in?

I appreciate your precise planning.

Disc: SBI nifty, was with me previously.

 

[amitagl27]

If you've never invested in MF and will be doing for the first time, here is my suggestion

1. Start with only Index fund for first 6 months or 1 year. SBI Nifty Index is fine.
2. Invest the lumpsum in a Debt Fund. For 6 months or so. and then do a STP to any index or large cap fund
3. Explore other funds (large, flexi, small, mid) after a year of remained invested. You can start small and then gradually increase as you become more comfortable.

I started with Index first (7 years back my first was SBI Nifty Index), then did lots of experimentations pre/post COVID (for around 3 years) and since last 1 years I am back to Index investing 🙂 Index investing is peaceful and works for me.

**waiting for market to get low/lower is not a good idea.

 

[BVCBVC is verified member.]

I suggest you to consider Parag Parikh Flexi Cap also. That fund has well balanced portfolio and stood well during market fall.

 

[Pravi]

If you've never invested in MF and will be doing for the first time, here is my suggestion

1. Start with only Index fund for first 6 months or 1 year. SBI Nifty Index is fine.
2. Invest the lumpsum in a Debt Fund. For 6 months or so. and then do a STP to any index or large cap fund
3. Explore other funds (large, flexi, small, mid) after a year of remained invested. You can start small and then gradually increase as you become more comfortable.

I started with Index first (7 years back my first was SBI Nifty Index), then did lots of experimentations pre/post COVID (for around 3 years) and since last 1 years I am back to Index investing 🙂 Index investing is peaceful and works for me.

**waiting for market to get low/lower is not a good idea.

i) Would STP attract taxes while taking out from debt fund and putting in equity funds?
ii) What will happen if the debt funds keep doing negative? How will it be possible to do STP?

 

[vadixit]

i) Would STP attract taxes while taking out from debt fund and putting in equity funds?
ii) What will happen if the debt funds keep doing negative? How will it be possible to do STP?

Yes, it will attract Tax and if I am not wrong it would be taxed at your slab rate.
SWP should be OK as it is it is very unlikely that Debt Fund goes down.

 

[Pravi]

Yes, it will attract Tax and if I am not wrong it would be taxed at your slab rate.
SWP should be OK as it is it is very unlikely that Debt Fund goes down.

Okay. Thanks for your info.