October’19 – Mutual Fund Investments

In October I had to decide which mutual funds, debt funds to invest in and in what ratio. Here is how it went.
Oct'19 Mutual Fund Update

I had given out a loan of Rs.2,00,000 to a family friend. I had a total of Rs.3,19,000. Of this, I invested Rs.1,50,000 in the stock market. The remaining Rs.1,69,000 I decided to spread across into Mutual and Debt funds. Here is my October’19 Mutual Fund investments update. If you noticed, a larger share of my money is in Mutual funds and not in stocks. I have been trading for over 10 years with moderate amount of success, I know that stocks pay more, but are far more riskier. Even among funds, I decided to play safe. Here is how it went…

Sizes: Large, Mid, Small

No, it is not what you think! This is how Mutual funds are categorized according to where majority of their corpus is invested in. When deciding where to invest, I went with splitting my money in two categories again

  • Debt & Liquid Funds (50%)
  • Equity Funds (50%)

This way, Debt funds are far less riskier and end up providing a somewhat steady source of income, while the Equity funds go up and down with the market. Additionally, Debt Liquid and Ultra short duration funds are easy and quick to withdraw, usually back in your bank account in 2-4 days. Hence, I have some liquidity in case of emergency.

My Funds Portfolio – October’19

Fund Name Type Total
Franklin India Ultra Short Bond Fund Debt 103813
SBI Focused Equity Fund Multi 26668
Axis Midcap Fund Mid 26666
Nippon India Small Cap Small 3900
L&T Midcap Fund Mid 2124
HDFC Small Cap Fund Small 1984
L&T India Value Fund Value 1778
DSP Midcap Fund Mid 1080
Nippon India Liquid Fund Debt 1503
TOTAL   1,69,516

Current NAV here

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Abhi is a 29 yr old Indian, on FIRE to retire by 40. He has been investing and learning Finance for the past 12 years. After completing Mechanical engineering, he started working in a multi-national Bank and grew to become an AVP. Currently with an IT MNC as a VP. He lives in Bangalore with his wife and their 1 year old daughter. In his free time, Abhi loves to game on the Xbox, watch movies, read and blog.

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