Can you please help me in building a portfolio which can yield consistent returns and also would like to include International Equity Fund allocation to 15% part of the portfolio. I want to invest directly. I would like to stick to four funds.
–Anil Polagani
If you are new to mutual funds and you don’t know much about investing in mutual funds, you should hire the service of a mutual fund advisor. It is extremely important to select, invest, monitor, and sell mutual funds on your own. Gain enough knowledge and experience before taking care of your investments on your own.
Here are some pointers you may find helpful. You should always choose mutual funds based on your goals, investment horizons, and risk profile. However, if you don’t have any experience in investing in mutual funds, start with ‘safer’ choices. For example, you can invest in a balanced advantage scheme if you want to play very safe. These schemes dynamically manage their equity exposure based on the market conditions. Another option is aggressive hybrid funds. These schemes invest 65-80% of the corpus in equity and 20-35% in debt. The mixed portfolio offers stability to them. You may also invest in large cap equity schemes. These schemes invest in very large companies that are stable.
Best balanced advantage schemes
Best aggressive hybrid schemes
Best large cap schemes
You should avoid high-risk options like mid cap schemes, large cap schemes, sector/thematic schemes etc in the beginning. Learn about mutual funds and gain some experience before investing in risky schemes to make higher returns.
