MF Portfolio Holding for couples

POSTED BY Hema V ON December 17, 2012 1:20 pm COMMENTS (3)


Suppose husband and wife are working ( wife might have career-breaks in between) and they have separate bank accounts with MF transactions enabled. Husband already has a fullfledged MF portfolio covering Large-mid-small cap segments. Now if wife wants to start a MF portfolio, is it better to stick to the same fund as hubby or opt for any competitor fund in each of the categories? Since both have different salary account, it would be convenient to setup different SIPs for each person. 

In this specific case, my hubby has following growth funds in his SIP

DSPBR Top 100

HDFC Tax saver

HDFD Prudence 

ICIC Pru Discovery 

Kindly advise on what can be my portfolio

3 replies on this article “MF Portfolio Holding for couples”

  1. TheZionView says:

    Just clone your husband portfolio. Just one of you need to track the performance and make it easier on you both

  2. BanyanFA says:

    Despite you are keeping seperate bank accounts, you should look into the portfolio of husband and wife as one and then split the investments into two so that sum of both portfolio gives you the required diversification / sector exposure.

  3. Ramesh says:

    This portfolio is good.

    And you can mirror the same portfolio for you as well.

    No real need to add or subtract anything.

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