Dear Guest
Out of 4 funds in ur portfolio two are infrastructure funds - ICICI Pru Infrs and DSPML TIGER. You better switch from DSPML TIGER to DSPML Top 100, a large cap fund and very consistent n performance. rest all are good funds. Just stay invested. In fact invest more if possible in these funds in this bearish phase. have patience, you will bear the fruit.

regds

Ashport...

Dear SATIJA

In fact this is the most appropriate time to invest. The Great Indian Equity Sale is on. Just go on shopping spree. But choose the funds carefully. Better to invest in Large Cap oriented funds ( preferrably 5* or 4* valueresearch rated funds) and invest thru SIP only.Better to decide your asset allocation depending upon your investment goal, investment horizon and risk profil and stick to that.

Happy investing.

Regds

Ashport...

Dear ritesh000004

Dont just ask half heated questions, please provide us the detail portfolio along with the age, investment goal, invest horizon and risk propfile, then we can suggest you.

Regds

Ashport...

Dear drpbala

1.If you have sufficient knowldge about equity and sufficient time to analyse and study the equities you can go for direct equity. It will be certainly cheapest.

2.Exchange traded index funds are also a good option, because among Index funds Benchmark funds are best with least tracking error however you need to have a Demat account as you are aware.

3. This is same as option 2 however except the fact that u need not to have a Demat account for investing in these type of funds. As far as expense ratio is concerned it is more or less same.

4. In terms of cost this may be costliest even if you directinvestment but that will be offset if you are investing for more than five yrs.

Regds

Ashport...

Dear gautamlkedia
Out of a total of 3 funds in ur portfolio 2 are small/mid cap funds anmd one is opprotunity fund.Not a healthy sign
Kotak MNC and JP Morgan Smaller Company - both are underperformer, mid and small cap oriented funds,. Better come out of these funds and invest in large cap equity diversified funds viz

DSPML Top 100
HDFC Top 200
Birla Sunlife Frontline Equity
Sundaram Select Focus
Kotak 30
HSBC Equity

Large cap funds should be core holding in ur portfolio( say 60-70%)

After that u can have one Multi cap( DSPML Equity/Magnum contra/ HDFC Equity/ ), One opportunity Fund( Kotal Opp/ DWS Inv Opportunity) and one speciality fund ( Franklin India Eq Income/ DSPML World gold Fund).

You can remain invested in Kotak Opp .Please dont invest In NFO and try to invest thru SIP only

regds

Ashport

...

Dear ankzvohra782

You can go for HDFC Top 200.
For any other query please feel free to ask.

Regds

Ashport...

Dear feroz83

You need not to invest in 5 funds for ELSS. Just select 2/3 good funds and invest in that. Out of ur portfolio of 5 funds, you can stop SIP in ICIC Pru tax Plan and Fidelity Tax Saver. and once ur lock in period is over start switching from thse funds to Eq Diversified funds. You can continue SIP in the remaining 3 funds.

As u hv enough ELSS funds u need not to invest in DWS ax saving. Reg insurance coverage, ou can talk to ICICI Direct. I dont find any reason why they wont provide insurance cover. For insurance cover u need to fill a good health declaration form.

Regds

Ashport...

Dear Ashpot, I have the following query and need your opinion on the same: I have been invested in the following funds via sips: 1. Reliance Vision(since 2 years, sip od Rs 2000) 2. Reliance Growth(since 1 year, sip od Rs 2000) 3. DSP ML TIGER (since 1 year, sip 2000) 4. SBI Magnum Contra(since 1 year, sip 2000) 5. Franklin India Bluechip( since 2 years, sip rs 2000) I was not happy with the performance of Rel Vision and Franklin bluechip (esp vision)and so have stopped the respective sips form next month and have made following addations to the foilo: 1. Start SIP Rs 3000 in DSP ML Balanced fund 2. Renew SIP in Magnu m contra for Rs 3000pm 3. Renew Sip in Reliance grwoth sip rs 3000pm 4. Start SIP in DSP ML top 200 rs 2000pm i am wanting to ad another large cap fund in the folio as i have exited 2 and want to keep a large cap bias to my folio for a lim ited downside: I am confused between Sundaram select focus,birla frontline equity, and kotak 30. I find sundaram select focus to be a little more agressive one. Kindly Give in ur views abt the fund to opt for, or should i select a diversified fund like kotak oppotunity/Hdfc top 200/ kotak opportunity. This will be for an sip of Rs 2000 for 3 years Best regards ankit...

thanks Ashport, Regarding my Risk Appetite i like take the risk...

Hi Ashport, Thanks for your suggestion. I had invested in the ELSS SIP from OCT 05 to MARCH 06. Regards....

What is Asset Allocation? How to implement it to get best returns?...

Once you get folio number in ICICI, Birla Sun Life, Reliance, HDFC, Kotak etc., you can request for PIN / HPIN. Once you receive the PIN, you will be able to invest online with broker code as DIRECT (will save entry load) through AMC website. Only thing is each website offers limited banks to invest through. If you have account in HDFC or ICICI Bank, you will be able to invest in all these fund houses online....

Dear 4in1, in continuation what dear ashport had replied, there is another benefit to u. As u told ur portfolio, is already down, it means u \\`ll have a Short term capital loss for MFs which u held less than a year. During the current year itself, u may set off this STCL against STCG is any, For unabsorbed portion of ur STCL, show it in ur Returns next year, & carry over it upto 8 years. So in future also u may sat off ur STCG against this STCL of present. Rest already advised by ashport. Thanks Ashal...

sir i have also invested in HDFC growth fund & reliance growth fund .Is it s good investment ....