Reviewing investments | Value Research Reconsider your portfolio holdings at least once a year
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Reviewing investments

Reconsider your portfolio holdings at least once a year

My portfolio has HDFC-Top 200 SIP, HDFC Tax Saver, Prudence SIP, Reliance - Natural Resource SIP, BSLTax Saver, Fidelity Equity SIP. I intended to invest in two more SIPs. Which funds do you recommend? Also, are tax saver funds still a good option compared to PPFs, FDs?

The combined equity exposure of the portfolio is 88 per cent across 184 companies with a large-cap blended investment style, which mixes growth and value. There is a lesson for you from the investment. You need to have a plan when investing in a fund with a financial goal for a specific timeframe in mind. This way, you can make fund selection that is best in the category that can help you achieve your goal. You should also review your portfolio at least once a year to monitor the progress made and make any course correction to align the funds to meet your financial goals.

Fund  Category  Star Rating  3-year return (%)
Birla Sun Life Tax Planning Tax Planning ** -6.03
Fidelity Equity Large & Mid Cap ***** 4.25
HDFC Prudence Hybrid: Equity Oriented ***** 9.45
HDFC Taxsaver Tax Planning ***** 5.2
HDFC Top 200 Large & Mid Cap ***** 8.1
Reliance Natural Resources Retail Equity: Others Not Rated -0.99*
Returns as on January 11, 2011; * indicates 1-year return

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