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Rejig your Portfolio

Don’t invest in too many funds. Discontinue the ones that have a short history…

I invest R 10,000/month but want to rejig my portfolio. Also, I want to invest an additional Rs 2,500/month. Can I add HDFC Balanced, HDFC Prudence or BSL Dynamic Bond Fund? Please advise.
-Rajaram

You have too many funds in your portfolio. The two funds that we suggested that you discontinue do not have a history of more than three years and neither are they outstanding performers. You do not need a balanced fund, opt for a debt one.

Scheme Name	Category	Current SIP (Rs)	Suggested SIP (Rs)
DSPBR Top 100 Equity Reg	Eq:Large Cap	1,000	2,000
Franklin India Bluechip	Eq:Large Cap	2,000	2,000
Fidelity Equity	Eq:Large & Mid Cap	1,000	2,000
IDFC Premier Equity	Eq:Mid & Small Cap	1,000	2,000
Templeton India Pension Plan	Hy: Debt-oriented Aggr	2,000	2,000
Axis Equity	Eq: Large & Mid Cap	2,000	Discontinue
DSPBR Focus 25	Eq: Multi Cap	1,000	Discontinue
Birla Sun Life Dynamic Bond Ret	Debt: Income	Nil	2,500

This article was originally published on May 25, 2012.

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