Mutual Fund Portfolio

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The ideal mutual fund portfolio will vary from person to person. So unless a financial planner or advisor don’t know about your financial goals and risk appetite, he or she can’t create an ideal MF portfolio. Even then, as a thumb rule, if you are thinking about investing for long-term, your MF portfolio should have a mix of large-cap, mid & small cap as well as debt funds. You can think about making the investment in the following manner (if you can take equity risk):-

Large-cap mutual fund— 50%

Small & Midcap Fund— 30-35%

Debt Fund— 15–20%

There is no ideal mutual fund portfolio. Investment in mutual funds is done as per need and capabilities. Again the need is a subjective term. The need that is important for me may not be important to you.

As per your DP, you are young and your life will pass through different phases based on need such as marriage, home, children, the education and marriage of your children, your retirement planning and the like.

Come to your question, you can create an ideal portfolio as per need. You can keep three schemes per need, e.g, for purchasing a flat, you have to invest in Aditya Birla Sun Life Frontline Equity Fund, HDFC Equity Fund and Franklin India Prima Fund. Similarly, for the education of your child, you may create a portfolio like ICICI Prudential Focused Bluechip Equity Fund, UTI Equity Fund, and HDFC Midcap Opportunities Fund. Focus only on equity fund, not balanced fund. If you feel risky, learn how to manage risk. Just like going into the water is risky but if you learn swimming, there is no risk in water. First, acquire knowledge of investment.

Hope, this will help you.