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Long Credible History

Stopping your SIPs in HDFC Top 200 would be premature. It has a credible history, give it time…

I am 36 years old. I am investing in HDFC Top 200 (Rs 2,000 per month), Birla Sun Life Dividend Yield Plus (Rs 1,500 per month) and ICICI Prudential Focused Bluechip (Rs 1,000 per month). I want to know if I should continue investing in HDFC Top 200. Where should I invest if I discontinue? I also want to start SIPs of Rs 1,000 in a gold fund. Please suggest some options.

HDFC Top 200 has a long history of credible performance. It hasn't done as well in the past 1 year, but selling this fund right now would be premature. You should continue investing it, along with the other two funds, which make up a good portfolio.

Coming to your second query, all gold funds perform the same. However, gold ETFs are 1 per cent less costly than gold funds. You can pick any fund that is convenient to you.

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