Which MF / SIP should I opt.?



Presently I have SIP for HDFC Top 200 (INR: 2000)
DSBPR Black Roack Top 100 Equity (INR: 4000),
HDFC Monthly income (INR: 5000),
HDFC Tax Saver (INR: 7000)

I would like to invest INR 8000 more in new SIP.
Please suggest best SIP with reasons.

Which MF / SIP should I opt.?
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6 Replies to “Which MF / SIP should I opt.?”



  1. As Mentioned Your Portfolio is mainly concentrated in Large Cap Funds like HDFC TOP 200 & DSP BR TO 100.

    Try to Diversify your Portfolio in Different Sectors like:
    For Large Cap invest in HDFC TOP 200 / DSP BR TOP 100/ FRANKLIN INDIA BLUECHIP (ANY 1)
    For Mid Cap invest in SBI EMERGING BUSINESS/ HDFC MID CAP OPP
    For Balanced invest in HDFC PRUDENCE FUND
    For Hybrid invest in HDFC MIP LTP/ RELIANCE MIP/ HDFC MULITPLE YIELD

    Also Put Some Installements in Sectorial Funds especially;
    BANKING: RELIANCE BANKING
    PHARMA: RELIANCE PHARMA
    FMCG: ICICI PRU FMCG
    GOLD; RELIANCE GOLD/ BSL GOLD/ KOTAK GOLD

    Your Portfolio in Mutual Fund Must be Diversified so that you can Earn Best of all…


  2. You can put 2000 in FRANKLIN INDIA BLUE CHIP which is very old and performed fund and Ucan try in HDCF PRUDENCE FUND which gives u good debt fund in ur portfolio.


  3. Remember that investing via SIP in HDFC TAX SAVER means you are allotted units every month and these units get locked in for 3 years from date of allotment. Invest in HDFC TAX SAVER only if you want to save tax under Section 80C.

    You can go for IDFC PREMIER EQUITY / BIRLA DIVIDEND YIELD ( midcap)

    Invest 60 – 70% in HDFC TOP 200 and DSPBR TOP 100 ( large and multicap) and balance in the above 2 funds


  4. Umesh,

    You already have 2 very good funds in HDFC Top 200 and DSPBR Top 100. You can invest your money in these existing funds itself.

    Also use the link below to learn how to pick good mutual funds on your own.
    Please pick “diversified equity funds” and not sector specific funds.

    Good luck





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