Review my portfolio

POSTED BY Abhishek Gupta ON December 29, 2010 12:36 am COMMENTS (3)


My portfolio consists of the following:

1. EPF contribution (includes employer’s part) of 90k per annum.

2. PPF contribution of 70k per annum.

3. Mutual fund SIP of 8k per month (i.e. 96k per annum) in the following funds:

a. HDFC top 200 ( Rs 3000 per month)
b. DSP BR equity top 100 (Rs 3000 per month)
c. IDFC premier quity plan A (Rs 2000 per month)

In all the above funds, I have been investing in growth option and my horizon is for 15-20 years. As you can see that I am investing 25% (Rs 2000 out of 8000) in mid/small cap and the rest in large cap.

What is your take on my MF portfolio? Do you think I have a good portfolio to give good and stable returns. I know I am investing a bit more in EPF/PPF as compared to MF which may hamper my returns in long term but I am fine with that as I prefer less risk. Any suggestion or thoughts would be of great help. Thanks in Advance for your time and effort.

3 replies on this article “Review my portfolio”

  1. Ramesh says:

    See this also.
    Simple and brilliant to say the least. 🙂

    One more point, does the extra PPF investment help in tax-saving? I do not think so!

    Less risky. Yes, it looks less risky (=more definite) that you WOULD NOT be able to achieve a good corpus, whatever be your age. (You are investing 2/3 of active investments into debt portion). Well, you already know that.

    In my view, have a multi-cap fund instead of two large-cap funds. Maybe like @Bharat has specified – QLTEF or HDFC Equity. Or switching into the same fund house – DSPBR Equity. One more suggestion – Reliance RSF or Templeton India Growth / equity income.

    Hope this helps you.

  2. bharat shah says:

    i suggest to think for inclusion of quantum long term equity, hdfc equity, at time of your regular review

  3. Atul says:

    Hi Abhishek,

    I am not financial advisor or planner. However if you are in 20’s then give more exposure to equity and if you are in 30-40’s then reduce equity exposure and increase debt exposure.

    You have not mentioned about Life/Medical Insurance. I hope you have the same.



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