Saturday, March 21, 2009

Is my portfolio correct??


Lalitesh wrote back,
Thanks a ton, for your kind suggestion on my prvious mail. sorry that i didn't reply on that ealier.

As i have said that i do have started some other portfolio after long discussioin/analysis with you guys.
First of all i have started portfolio of 8k whose time horizon is upto 4-5 yrs (it may vary too, infact its for the vehcile purpose , and as per me this is not basic requirement so time horizon may vary).
Time Horizon : 3-4 yrs
Portfolio size : 8K/month
Port2(8k)
DWS Inv. Opp N/A 1,000

HDFC Top 200 N/A 1,000

UTI Spread Fund 1,000 N/A 1,000

Kotak Floater LTP(G) 1,000 1,000 1,000

DWS Alpha Equity Fund 1000

Next folio is of 6k, its for the purpose of child's education, time horizon has not been decided but definately it will be for long term (ll be continuing for more than 10yrs) so have all the equity funds here.
Time Horizon : >10yrs
Portfolio size : 6k/month
Port3(6k)
Sundaram Sel Foc 1,000.00 N/A 1,000.00

DSPMLT100 1,000.00 N/A 1,000.00

Reliance Growth N/A 1,000.00

DSPML Equity N/A 1,000


Next and the last one is for childs marriage, since its having long time to invest (infact we have'nt planned for kid itself yet :) , but good to start saving for any reason )

Time Horizon : > 20 yrs
Portfolio size : 1k/month
Port4(1k)
HDFC T200 N/A 1,000.00

Since i do have time for the last portfolio (for child's marriage , 1k/month) so will be adding some more fund into this.may be once i will close the portfolio for house down payment.

Freind, now its time for your deep analysis and expert commnet, is this portfolio looks fine of it needs change. i have enrolled for all the above funds with one year of SIP and will be re-shuffling them at that time (if required).

I could understand that you would be held up with lot's of work, please reply at your own ease.

Best Regards.
Lalit.


SRIKANTH SHANKAR MATRUBAI replied :
Port2(8k)
DWS Inv. Opp N/A 1,000

HDFC Top 200 N/A 1,000

UTI Spread Fund 1,000 N/A 1,000

Kotak Floater LTP(G) 1,000 1,000 1,000

DWS Alpha Equity Fund 1000

This portfolio looks quite good though I wish you swap the fund investment in UTI Spread Fund and Kotak Floater fund.



Next folio is of 6k, its for the purpose of child's education, time horizon has not been decided but definately it will be for long term (ll be continuing for more than 10yrs) so have all the equity funds here.
Time Horizon : >10yrs
Portfolio size : 6k/month
Port3(6k)
Sundaram Sel Foc 1,000.00 N/A 1,000.00

DSPMLT100 1,000.00 N/A 1,000.00

Reliance Growth N/A 1,000.00

DSPML Equity N/A 1,000

As explained in earlier mails to you, always spread your investments across fund HOuses rather having a concentrated amount in one Fund House. So, here, you can consider switching your investment from DSPBR EQuity fund to fidelity Equity Fund.

Next and the last one is for childs marriage, since its having long time to invest (infact we have'nt planned for kid itself yet :) , but good to start saving for any reason )

Time Horizon : > 20 yrs
Portfolio size : 1k/month
Port4(1k)
HDFC T200 N/A 1,000.00

For this, you couldn't have chosen a Better Fund. Well done, stick to it.
You are doing a great job Lalitesh. I wish at least 10% of my investors plan like you, my job will become much much easier. Hats off to you.
Best of luck,
Srikanth shankar Matrubai,
Bangalore
http://goodfundadvisor.blogspot.com


Also visit http://equityadvise.blogspot.com for an indepth Equity Analysis

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