I am 37 and investing in HDFC Top 200, Canara Robeco Infrastructure, Canara Robeco Emerging Equity for my retirement and can invest for another 15 years. Does this make a good portfolio? Suggest changes if necessary.
- C V Nagaraj
You have selected funds across categories that do not offer adequate diversification. Moreover, Canara Robeco Infrastructure, an infrastructure fund is a thematic fund, wherein the infrastructure theme is not playing out as desired and Canara Robeco Emerging Equity, a mid- and small-cap fund is not the best performing fund in its category.
With a 15-year investment time frame, you will be better of investing a portfolio that has 70 per cent equity exposure and is well diversified in both style and number of funds. We suggest a portfolio of five funds with equal allocation to all the funds with the Rs 10,000 that you are investing to build a good retirement corpus. Do track the performance of the funds that you invest in to check its progress towards your desired financial goal.
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This article was originally published on May 17, 2011.
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