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Equity-Debt Ratio

The debt-equity ratio of your investments depends on your age, risk profile & financial goals…

I earn Rs 1.5 lakh a month and want to invest Rs 10,000 every month in mutual funds through SIPs for the next ten years. What funds should I look for and what should be the equity debt ratio?
- Jassi

Schemes  Category  Rating  3-yrs ret (%)  5-yrs ret (%)
BNP Paribas Bond Regular Debt: Income ***** NA NA
Fidelity Equity Large & Mid Cap **** 14.46 18.49
HDFC Top 200 Large & Mid Cap ***** 17.25 20.14
ICICI Prudential Dynamic Large & Mid Cap **** 14.11 18.45
Reliance Equity Opportunities Multi Cap **** 19.49 17.73
Returns as on June 20, 2011 Ratings as on May 31, 2011

Debt-Equity allocation depends on your age, risk profile as well as the financial goal that you are investing for. With a ten-year investment time frame, we are suggesting you to start with a 70 per cent equity allocation across five funds that are well diversified and comprise funds that have been consistent performer over time. You can have equal allocation to each of these five funds and continue investing in them. Make sure you track the performance of these funds to assess its progress towards your financial goal.



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