Hello Basu sir,
I am very thankful for valuable posts. it’s been quite helpful.
Sir, I am new to mutual fund and I need your suggestion in my SIP portfolio. I am 26 years old and I am planning to invest more than 15 years.
I just started below monthly SIPs based on your article http://www.basunivesh.com/2015/10/26/top-10-best-sip-mutual-funds-to-invest-in-india-in-2016/
Investment time : 15+ years
All SIP options : Direct Growth
- Franklin India Bluechip (G) (Large Cap) – 1500
- ICICI pru value discovery fund (Mid Cap) – 1000
- Franklin India Prima Fund (Small Cap) – 1500
- HDFC Balanced Fund (Balanced) – 1000
- Axis Income Fund – Regular Plan (Debt) – 1000
PPF – 5K / Month
NSC – 5K / Month
EPF – 3600 / Month
Sir, Any changes are required in terms of changes in allocation or fund?
Please share your view on this.
Do you think for your 15 years goal debt seems more? In my view it must be around 25% to 30%. However, you selected balanced fund and income fund. Along with these two, you have separate debt products like PPF, EPF and NSC.
Ok Sir, So in that case I need to increase the SIP amount from debt investment and decrease the debt investment to maintain the 30%:70% ratio.
In which fund, I need to invest more? Should I continue with Balanced and Income fund?