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I am 35 years old and investing Rs 1,000 each through SIPs in DSPBR Top 100, Franklin Templeton Blue Chip Fund, HDFC Top 200, HDFC Equity Fund, HDFC Prudence and Rs 2,000 in IDFC Premier Equity Fund. What is your view towards my portfolio? I need money in future for my daughter’s higher education and for me after retirement life. Please suggest

You have a good choice of funds that are highly rated. All these funds have a history and track record that demonstrates long-term performance which is in line with your investment objective. Your Portfolio has a large-cap growth style, which is good with 89 per cent equity exposure with the rest in debt instruments, with investments in 131 stocks. The top stocks in which your fund has allocation are Infosys, ICICI Bank, SBI, Airtel and Reliance Industries.

Schemes    Category  Rating  3-year return (%)  5-year return (%)  
DSPBR Top 100 Eqt Reg-G Equity: Large Cap **** 2.7 20.86 
Franklin India Bluechip-G Equity: Large Cap ***** 4.31 18.82 
HDFC Prudence-G Hybrid: Equity-oriented ***** 8.74 19.9 
HDFC Top 200-G Equity: Large & Mid Cap ***** 7.7 21.58 
IDFC Premier Equity Plan A-G Equity: Mid & Small Cap ***** 5.71 26.82 
Returns as on Jan 7, 2011

If you make tangible goals such as need a corpus of Rs 20 lakh for your daughter’s education in 10 years and a corpus of Rs 90 lakh for retirement after 30 years; it will be easy to evaluate the portfolio’s performance. You should also take care and track the performance of the funds you have selected at least once a year to ascertain its progress and any deviation. This way you will be able to exit funds that are not performing and not lose on your financial goals.

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