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Insider: Conservative – Medium Term Portfolio

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This portfolio is designed to meet investing needs for over 3 years and upto 7 years of investment horizon.

The portfolio has been adequately diversified across market capitalisation and investment styles. It consists of 2 debt funds and 2 value style, equity funds. The aim is to minimise risk and yet be able to capture upside of equity for the portfolio.

The fund aims to be invested upto 40% in equity and 60% in debt. It represents a CONSERVATIVE risk profile.

Here is the portfolio.

  1. Parag Parikh Long Term Equity Fund –  (Weightage: 20%) – (Category: Equity – Multicap) – The fund is a go anywhere, value style fund. A third of its portfolio is usually invested outside India. It is also not averse to holding cash or investing in arbitrage opportunities when the right opportunities are not available.
  2. Quantum Long Term Equity Value Fund –  (Weightage: 20%) – (Category: Equity – Large cap) – This fund adds the equity portion to the portfolio. The Quantum Long Term Equity Value fund is a value style fund with its investment universe predominantly in the Top 200 Indian stocks. With its prime focus on safety of capital invested, it is also not averse to holding cash when the right opportunities are not available. The fund can underperform bull market cycles but overall offers more stability and less drawdowns than its peers.
  3. SBI Magnum Ultra Short Term Fund – (Weightage: 30%) – (Category: Debt – Ultra Short) – It invests in highest credit rating instruments and has a relatively low cost. It has been in existence for quite some time and is a low cost debt fund option.
  4. Quantum Liquid Fund – (Weightage: 30%) – (Category: Debt – Liquid) – This is the safest of the liquid fund options, takes no exposure to corporate bonds and invests only in Government Treasury Bonds. The safety of money is its first priority.

Each of these funds bring a unique strategy to the portfolio and have very little portfolio overlap.

Note:

  • This portfolio is a tax efficient option for those investors who are in the highest tax brackets.
  • There is no guarantee of returns and it could be volatile too.
  • You may choose an alternative fund from the fund shortlist. You may also choose to increase/decrease the number of funds.
  • Please read the factsheets and scheme information document carefully before investing in the funds.