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FundPortfolioThe Economic Times Wealth, January 3, 20

Rewards of balanced approacutual fund investors often wonder how many and what type of funds they should buy. ET Wealth presents five fund portfolios toit different sets of investors. These portfolios have been designed by Value Research for our television channel ET Now. Every wee

e will analyse one portfolio in detail and provide an update on the rest. Go ahead and choose the portfolio that best suits your need

This portfolio suits investorslooking for moderate growth fromequity investments and are notcomfortable with aggressive expo-sure to stocks. The portfolio has

en annualised returns of 18% since launch,ich is fairly impressive. All four funds in thertfolio are balanced schemes, which are notly good asset allocation tools but also highly

x efficient.Balanced funds automatically re-align yourvestment when the market goes up byoving some of the gains into debt. This saves

investor the trouble of having to rebalancee portfolio. These hybrid schemes also enjoyeater flexibility than equity funds when itmes to asset allocation. During a bear phase,alanced scheme can bring down its equityocation to as low as 40% of its corpusmpared to the 80% allocation that an equityheme has to maintain. Alternatively, duringll runs, it can raise the equity portion to as

gh as 75% of the corpus.Then there is the tax efficiency factor.ough 30% of the portfolio is invested in debtd cash, the returns will enjoy the tax exemp-ns given to long-term capital gains fromuity investments. For investors, it's a win-n situation.This portfolios equity investment is spreader large-, mid- and small-cap stocks to givee perfect blend of growth at moderate risk.

Faye DSouza

Good returns atow risk Fund

Top 5 stocks in equity holding (in `)

Top 5 sectors in equity holding (in `)Portfolio asset allocation

Equity market-cap break-u

Equity investment style

Financial

Energy

Engineering

Technology

Services

Fund value (`)

2,19,777Annualised return

18.74

nd value (`)

2,26,734nnualised return

3.1%

Fund value (`)

2,08,718Annualised return

11.8%

Fund value (`)

11,31,835Annualised return

16.1%

ICICI Bank

State Bank of India

Infosys Technologies

Bharti Airtel

Kotak Mahindra Bank

8,313.71

6,265.94 (4.13%)5,880.96 (3.88%)

4,333.66 (2.86%)

4,457.63 (2.94%)

29,936.7

22,062.12 (14.55%16,730.82 (11.03%)

12,666.18 (8.35%)

14,761.90 (9.73%)

GOI Secu

35.32%

`23,411

Cash & Call

Money12.28%

`8,140

AA+

4.7%

`3,113

Net Receivables

3.81%

`2,529

Others

0.44%

`359

P1+

13.33%

`8,835

Repos0.06%

`292

AAA

23.77%

`15,758

AA

5.81%

`3,851

Debt rating break-up

Small

Medium

Large

Growth Blend Value

INVESTMENT STYLE

CAPITALISATION

Giant

36.78%

Equity69.61%

Debt25.36%

Others

5.02%

Not cla0.94%

Larg

18.6

Mid-cap

28.03%

Small-cap15.62%

Tiny0.01%

I want regular

income Fund

I cant take

risk Fund

seek high

eturns Fund

Funds in the portfolio

Investment Annualised Rating

Fund per month (`) returns (%)

DSPBR Balanced-G 2,500 18.5

FT India Balanced-G 2,500 16.1

HDFC Prudence-G 2,500 24.2

Reliance Reg Savings

Balanced-G 2,500 23.9

Total Portfolio 10,000 18.5

The portfolio was established in June 2009. SIPs are made on the

first day of a calendar month.

ds Annualised r eturns ( %)

BR Short Term-G 5.5

C Premier Equity Plan A-G 35.7

Opportunities-G 20.4

ance Regular Savings Equity-G 24.5

daram S.M.I.L.E. Reg-G 17.1Opportunities-G 26.5

Monthly SIPs

ranging from

`1,000 to

`2,500 in seven

funds.

uities: 80-90%

ebt: 10-20%

Funds Annualised r eturns (%)

FT India Dynamic PE Ratio FoF-G 12.8

HDFC MIP Long-term-G 11.8

Reliance MIP-G 10.6

Monthly SIPs of `3,000 each in two MIPs

and `4,000 in a fund of funds

Equities: 35-40%

Debt: 60-65%Funds Annualised returns (%)

FT India Dynamic PE Ratio FoF-G 13.9

HDFC MIP Long-term-G 14.8

Reliance MIP-G 14.2

UTI Balanced-G 20.9

Quarterly withdrawals of `5,000 from

each of the four funds

Equities: 25-30%

Debt: 70-75%

Watch show on fund portfolios

very Saturday at 12.30 pm and every

unday at 10.30 am

See page 34 for the ETW Funds 100 list of best funds.

Fund value (`)

2,22,909

Annualisedreturn

20.7%

I want regular

growth Fund

Funds Annualised returns (%)

BSL Frontline Eqt A-G 24.8

Canara Robeco Income-G 4.9

DSPBR Short Term-G 5.5

DSPBR Top 100 Eqt Reg-G 22.6

DWS Investment Opp Reg-G 17.6

HDFC Top 200-G 29.0

UTI Dividend Yield-G 31.2

Monthly SIPs ranging from `1,000 to

`2,500 in seven funds.

Equities: 70-80%

Debt: 20-30%