Please assess my Portfolio for any changes needed. ashish, 25 Jun 2013

I am planning to invest for children education for time horizon of 15 yrs i have selected some of funds below for structuring my portfolio please advice: HDFC Top 200:Rs 2500/- monthly HDFC Balanced fund :Rs 2500/- monthly ICICI Pru Focused Blue Chip: Rs 2500/0 monthly ICICI Pru Discovery Fund : Rs 2500/- Monthly Unidentified Fund (Please Suggest best one to suite my portfolio): Rs 2000/- Monthly I request you please review my portfolio

Fintotal Answer

Hi Ashish. Though the choice of funds you have made is fairly good, it needs quite a restructuring. Our thumbrule for mutual fund investments - 1 Equity diversified fund for Long term needs like child's education, child's marriage and retirement needs; 1 Balanced fund for medium term needs (3 to 5 years); 1 debt fund for short term needs (2months to 2 years). Since your need is a long term need divert the SIPs of  other mentioned funds in HDFC Top 200(G) and hold the fund for long. Except for HDFC Top 200, the other chosen funds are not required/suitable for your desired goal achievement. Read articles mapped under Mutual Fund page of our portal. Register with us on http://www.assistance.fintotal.com/.

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