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Planning Investment Portfolios

A rational approach in the beginning will get an investor an ideal portfolio

I'm 31 years old, married and plan to invest in equity diversified funds. I have short-listed some funds based on their portfolio and performance:

Equity diversified: HDFC Top 200, Magnum Contra, Reliance Regular Savings Equity and UTI Opportunities

HDFC Prudence and Reliance Regular Savings Balanced

Tax saver:
HDFC Tax Saver and Sundaram BNP Paribas Taxsaver

I plan to invest via SIPs some Rs 1.5-to-2 lakh in these funds. Are they ideal over the long-term (3-5 years)? Are they diversified enough? What is the ideal proportion that I should invest in?

Should I invest in some debt funds too? Could you suggest some short term debt/liquid funds?


The funds you have selected are all rated funds by Value Research and can be considered for long-term investment. If you require tax-saving funds for tax-planning purposes, then make them the core of your portfolio, since they are nothing, but equity-diversified funds. But limit your portfolio to just 4-5 funds. Decide on an equity-debt allocation before investing and regularly re-balance your portfolio to maintain the same.

For debt funds you can consider any of the following: Birla Sun Life Dynamic Bond and Fortis Flexi Debt Reg.

However, one should avoid making any lump-sum investments.

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