I am 29 years old. I am investing Rs 12,500 per month in PPF, and planning to invest Rs 11,500 per month in MFs. I am planning to invest in these funds for 15 years. Can you please review and tell me if the portfolio is optimal for good returns with moderate risk appetite? Also, what is the estimated corpus expected from below investments?
Mirae Asset Emerging Bluechip Fund: Rs 2,500
Balanced Advantage Fund: Rs 3,200
Nippon India Gold Saving Fund: Rs 2,300
Kotak Emerging Equity Fund: Rs 2,000
Small Cap Fund: R 1,500
--Rohit Pairah
Your mutual fund portfolio is problematic because it’s not in line with your risk profile. You are investing in a large & mid cap scheme, hybrid scheme, gold fund, mid cap scheme, small cap scheme. Large & mid cap schemes, mid cap schemes and small cap schemes are extremely risky and they are not recommended to moderate investors. They are meant for aggressive investors who are ready to take a lot risk and face volatility. It is also not clear why you have added a hybrid scheme and gold scheme to your long term portfolio. If it’s part of your allocation plan, you may invest. Otherwise, you need to relook. If you don’t understand the basics of mutual funds and investing, you should seek the help of a mutual fund advisor. We typically ask moderate investors to invest in flexi cap schemes to achieve their long-term goals.
Mirae Asset Emerging Bluechip Fund: Rs 2,500
Balanced Advantage Fund: Rs 3,200
Nippon India Gold Saving Fund: Rs 2,300
Kotak Emerging Equity Fund: Rs 2,000
Small Cap Fund: R 1,500
--Rohit Pairah
Your mutual fund portfolio is problematic because it’s not in line with your risk profile. You are investing in a large & mid cap scheme, hybrid scheme, gold fund, mid cap scheme, small cap scheme. Large & mid cap schemes, mid cap schemes and small cap schemes are extremely risky and they are not recommended to moderate investors. They are meant for aggressive investors who are ready to take a lot risk and face volatility. It is also not clear why you have added a hybrid scheme and gold scheme to your long term portfolio. If it’s part of your allocation plan, you may invest. Otherwise, you need to relook. If you don’t understand the basics of mutual funds and investing, you should seek the help of a mutual fund advisor. We typically ask moderate investors to invest in flexi cap schemes to achieve their long-term goals.
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