This is an approach to portfolio planning that helps you build wealth without too much sweat while allowing some free play to your risk-taking instinct.
If one had to broadly look at three categories of investors, here’s how their Portfolios would shape up.
Aggressive investor
Core 60%
1) DSPBR Top 100 (Large Cap)
2) HDFC Top 200 (Large & Mid Cap)
3) Reliance Reg Savings Eq. (Multi Cap)
4) ICICI Prudential Dynamic (Multi Cap)
Tactical 25%
5) IDFC Premier Equity (Mid Cap)
6) Birla Sun Life Mid Cap (Mid Cap)
Debt 15%
7) JM Money Manager Super (Liquid Plus)
Conservative investor
Core 70%
1) DSPBR Balanced (Hybrid Equity)
2) Franklin India Bluechip (Large Cap)
3) ICICI Prudential Dynamic (Multi Cap)
Debt 30%
4) ICICI Pru. Income Opp. (Debt: Medium Term)
5) JM Money Manager Super (Liquid Plus)
Moderate investor
Core 70%
1) HDFC Prudence (Hybrid Equity)
2) DSPBR Top 100 (Large Cap)
3) Reliance Regular Savings Eq. (Multi Cap)
4) ICICI Prudential Dynamic (Multi Cap)
Debt 20%
5) ICICI Pru. Income Opp. (Debt: Medium Term)
6) JM Money Manager Super (Liquid Plus)
Tactical 10%
7) IDFC Premier Equity (Mid Cap)
The above can act as a general guideline and you can always mix and match to get to the portfolio that best suits your needs and keep you on track.
Conclusion
So an investor can have a portfolio of just seven funds and be very smartly diversified. It’s not a numbers game, it is quality picks that will make it for you.
Play it smart!
Note: THE IDEA BEHIND A CORE FUND IS THAT IT SHOULD BE ONE THAT IS ABLE TO
DELIVER RETURNS IN GOOD TIMES WITHOUT BEING TOO VOLATILE. THE TACTICAL FUND WILL GIVE YOU THAT EXTRA ZING IN YOUR RETURNS. THE DEBT PART IS FOR BALANCING YOUR PORTFOLIO BETWEEN EQUITY & DEBT.
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