I am 46 yr old NRI investing in mf since 2007. currently I have 4 fund and i am investing through sip 1- BSL front line eq 30k 2- ICICI focussed bluechip 30 k 3- HDFC Midcap opp 50 k 4- Quantum LT eq 40 k all direct and growth option for detb i am investing in FD and PPF which completed 13 year. my total corpus is Mf 1crore 44 lakhs FD 1 crore 70 lakhs PPF 20 lakhs my detb/equity is 65/35. most of FD is 8.5% for 10 yr my question is how to balance debt/equity 40/60 while starting investment most of current mf were multicap like BSl frontline and QLTe but now all are largecap so my portfolio is largecap dominated.how to rebalance.I do not want to include small cap as valuation are already high. i want to add agressive multicap like FT high growth or Mosl focussed 35. my time horizon is 15 year and this is for child education and retirement. i have a flat in india and adequate term plan and insurence. thanks your code here
If your time horizon is 15 years, then why you are worrying about the CURRENT VALUATIONS of the small cap?? Also, one large cap, one mid cap and one small cap (in small portion) enough for you. Regarding debt, you are free to choose your option. But make sure that re-balancing is possible once you are reviewing your portfolio.