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Review your portfolio at least once a year to make sure it's progressing towards your goals…

I am 26 and earn Rs 32,000 a month. Till now I haven't made any investment. I want to invest in mutual fund through monthly SIPs for Rs 15,0000 for the next 15-20 years. Please suggest a portfolio.
- Surendra Mohan



Schemes  Category  Rating  3-yrs ret (%)  5-yrs ret (%)
IDFC Premier Equity  Mid & Small Cap ***** 15.69 20.69
HDFC Equity Multi Cap ***** 18.31 16.74
Fidelity Equity Large & Mid Cap ***** 12.91 14.82
DSPBR Micro Cap Mid & Small Cap **** 13.95 NA
BSL Dynamic Bond Debt: Income **** 8.88 8.79
AIG World Gold International Fund Not Rated NA NA
Returns as on April 19, 2011 Ratings as on March 31, 2011

At 26, you have age on your side and by planning to invest in equity mutual funds through SIPs, you have made the right decision for long-term wealth creation. By investing regularly over the next 15-20 years you will also gain from the power of equity. We have short-listed an aggressive portfolio which has 83 per cent equity exposure and is well diversified across style and market capitalisation. Allocate 25 per cent investments into HDFC Equity and Fidelity Equity; 15 per cent in DSPBR Micro Cap and IDFC Premier Equity and the balance equally distributed between AIG World Gold fund and BSL Dynamic Bond.

All these funds are highly rated which is backed by a consistent performance history. However, make sure to check the performance of these funds at least once a year to make sure they are progressing towards achieving your financial objective.



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