Please Review my MF SIP portfolio

[milind]

My preference is to shorter term debt funds of respective AMCs when using for STP, with div reinvest option. Less sensitive to interest rates. Returns from most short term/liquid funds have been low in past one year after a good 2008.

Reliance Short Term - no exit load
Reliance Floating Rate - no exit load
HDFC Short Term (90 days) or Hi Short Term (30 days) -
HDFC Cash Management Saving - no exit load

I don't follow BSL, so no idea.

-- Milind

 

[Nava]

My preference is to shorter term debt funds of respective AMCs when using for STP, with div reinvest option. Less sensitive to interest rates. Returns from most short term/liquid funds have been low in past one year after a good 2008.

Reliance Short Term - no exit load
Reliance Floating Rate - no exit load
HDFC Short Term (90 days) or Hi Short Term (30 days) -
HDFC Cash Management Saving - no exit load

I don't follow BSL, so no idea.

-- Milind

Milind / Nikrod,

Thanks for your reply.

Can you suggest one good combination of Largecap and Debt (with no exit load) from same fundhouse for doing STP (except HDFC, As I already have HDFC Top 200)...?

 

[nikrod]

Milind / Nikrod,

Thanks for your reply.

Can you suggest one good combination of Largecap and Debt (with no exit load) from same fundhouse for doing STP (except HDFC, As I already have HDFC Top 200)...?

You can choose Reliance Equity or Reliance Vision along with funds shortlisted by milind.

You can also considering HDFC funds wnd increase your exposure in HDFC Top 200.

 

[rajivnc]

You can choose Reliance Equity or Reliance Vision along with funds shortlisted by milind.

You can also considering HDFC funds wnd increase your exposure in HDFC Top 200.

Let me just clarify whether Liquid / Debt / STP logic is really GOOD only for those in the 20% and 30% Tax Bracket.. Experts please respond with Suitable justification.

Which is better for those in the 10% Tax Bracket and Why ?

a) Doing SIP via STP.

b) Doing SIP from savings account and connect Savings account with FD using Sweep-In facility.

 

[Nava]

Hi yodlee99 and others,

I have been investing in "Sundram Select midcap" fund for the past 2 years

via SIP. But if you compare the return of this fund for the last three years,

it is far below than other mid cap funds like IDFC prem equity plan-A ,

ICICI prdu. discovery etc...

Is it Ok to continue my SIP in Sundram select mid cap or

Shall I swithc to IDFC prem equity plan-A...? Pl. advise..

 

[yodlee99]

Your observation is correct that of late, Sundaram Midcap didnot give returns as much as a few other midcap funds. If I remember correctly, there has been a change in the fund manager. I would say, hold onto this fund, but start new SIP in IDFC Premier equity-A, ICICI discovery or Reliance growth.

 

[Nava]

Hi yodlee99,

Thanks for your reply and suggesstion.

I would like to start new SIP in Pure Large cap fund form Jan.2011.

Short listed the below fund, Could you pl. suggest which one is the best..?

Out of these three DSPBR Top 200 has 3star and IDFC imperial has high expense ratio..

Franklin India Blue Chip
DSPBR Top 200
IDFC Imperial Eq. Plan A.

 

[yodlee99]

All your choices (Franklin India Blue Chip, DSPBR Top 100, and IDFC Imperial Eq. Plan A) are good. I see that the VROL rankings for DSPBR Top 100 has moved between 4 & 5.
You can also consider Birla SF Frontline equity plan A for longterm holding as well as Quantum Long term equity and Fidelity equity. But your choices are very good.

 

[Nava]

yodlee99,

From Jan-2011 my SIP portfoilo would be as below,

Large Cap :
Franklin India Blue Chip

Large & Mid Cap :
HDFC Top 200
BSL Frontline Equity

Mid & Small Cap:
IDFC Premier Equity Plan-A
ICICI Prud. Discovery

Multi Cap:
Rel. Regular savings.
HDFC Equity

All are growth and monthly Rs.5000 each.
yodlee99, any suggestions will be appreciated.

 

[Nava]

yodlee99,

From Jan-2011 my SIP portfoilo would be as below,

Large Cap :
Franklin India Blue Chip

Large & Mid Cap :
HDFC Top 200
BSL Frontline Equity

Mid & Small Cap:
IDFC Premier Equity Plan-A
ICICI Prud. Discovery

Multi Cap:
Rel. Regular savings.
HDFC Equity

All are growth and monthly Rs.5000 each.
yodlee99, any suggestions will be appreciated.