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Ask RoboI am 37 years old NRI and I would like to create wealth of at-least 1 crore in long term my time horizon is 10-20 years maybe bit more. I have this portfolio for about 7-10 months. Please advise on my portfolio. Current portfolio includes: 1) Aditya Birla sun life dynamic bond Fund = 5000 rs, 2) Axis emerging Opportunities Series 1(1400) fund = 5000 rs, 3) Icici pru long term plan fund = 5000 rs, 4) Kotak emerging equity scheme fund = 5000 rs, 5) SIP on Kotak emerging equity scheme fund of 2000 rs per month. 6) Franklin India Smaller Companies fund = 5000 rs, 7) SIP on Franklin India Smaller Companies fund of 1000 rs per month. 8) Motilal Oswal Most Focused Multicap 35 fund = 10000 rs, 9) DSP Blackrock world mining fund = 8000 rs. I have 15000 rs which I would like to use for investment now and in Sep 2018 I will invest 1 Lakh in total which I would like to split and invest (which will include 3000 rs per month of current SIP). Please advise how is my portfolio looks like and how can I improve? Thanks for your help.
Rajpal Singh asked 1 year ago
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Roboadviso answered 1 year ago
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Hi,
Thanks for Posting your query. Please find below our views.

  • Aditya Birla SL Dynamic Bond fund was a very good fund one year back when the fund manager used to change the duration of the fund depending on the interest rate outlook. But in last one year, his calls regarding the interest rate movement has gone wrong and he has kept the modified duration at higher levels. This has resulted in fund giving very less return. He still continues to hold higher maturity papers and in last one-year benchmark yields have been very volatile and therefore it is recommended to redeem it. If you want to build exposure to debt then the recommended fund is Franklin India Low Duration Fund or L&T  Short term Income Fund.
  • Axis Emerging Opp fund is a close-ended fund and we do not recommend any NFOs as they do not have any past track record, have a higher expense.
  • ICICI Prudential Long-term fund has been struggling from past one year, We need to keep a watch on this fund, if your holding has completed three years then you should exit the fund.
  • Kotak Emerging Equity fund has performed really well in last few years, but the fund is slightly more volatile. you can continue your investments in it.
  • Franklin India Smaller companies is a very good fund has consistently performed well with very less volatility. You should continue your investments in it.
  • Motilal Oswal most Focused Multi-Cap 35 Fund is a very good fund multi-cap fund and has performed really well since its inception and its fund manager has generated very good alpha. You should continue your investments in it.
  • DSP World mining fund is a thematic fund and we should not invest in thematic as they invest in a particular theme and in order to generate exceptional returns we should time the entry and exit then only very good returns can be generated. If you look at the performance of this fund in last five years then it hasn’t generated very any returns in last five years. In these type of funds, the fund manager cannot invest in other sectors and themes if that sector is not doing well. We should invest in diversified open-ended equity funds.

Fresh investments should be started in Multi Caps and Mid Cap funds.

  • Mirae Asset Emerging Bluechip Fund -Mid Cap
  • IDFC Classic Equity Fund – Multi-Cap

Please do let us know if you need any additional details or clarification.
Happy Investing!

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