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Which is the best portfolio for long term?

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3 Approved Answers

Devanshu Gupta

If you want to invest for long term say minimum 5 years, there are plethora of options available for you in equity mutual funds category.

A key thing to consider is how much risk are you willing to take. Equity mutual funds are categorized as

1.    Large cap

2.    Mid cap

3.    Small cap

They are in the increasing order of risk starting from large to small cap. You can select any of the three categories based on the amount of risk you are willing to take and your minimum investment duration is 5 years.

These are some of the top portfolios which have given the best returns in their respective segments and have outperformed their benchmarks:

Large Cap Funds

1.    Mirae Assset India Opportunites fund

2.    SBI Bluechip Growth fund

3.    Reliance top 200 Fund

Mid Cap Funds

1.    Mirae Asset Emerging Bluechip Fund

2.    Aditya Birla Sunlife Small & Mid Cap Fund

3.    L&T Midcap Fund

Small Cap Fund

1.    Reliance Small Cap Fund

2.    L&T Emerging Business Fund

3.    HDFC Small Cap Fund

All the funds above have the option of investing via SIP option and Lump Sum option

Also must keep in mind that the funds stated above have been selected because of their superior past performance and there is no assurance that they may perform equally well in the future. Though the fund managers make the best efforts to earn superior returns but markets are always uncertain. 

You can read more about some of the top performing funds by clicking here

Ritika

It depends on the risk you are willing to take. In any case,long term investments will help you to give better results if you invest in equity mutual funds, but before that analyzing the sectors is very important. Analyzing those industries and also the past performance of the funds will help you make correct decisions.

In terms of risk taking following is the order to be taken:

Debt funds< Hybrid Funds< Equity funds

Few of the best portfolios for long term recommended from Groww are as follows:

1) High Risk High Returns portfolio(when you are intending to take higher risks and for long term )

Its one year returns is 43.3% and 3 years is 20.77%

2) High returns Long term SIP

Risk is moderately high and returns for 1 year 42.92% and for 3 years 19.17%

3) Better than FD returns low risk

This is for the ones who do not want to take any risk and invest in long term

its returns are: 1 year return 7.93%

3 year returns 9%

5 year returns 9.19%

Following attached is the link for further analysis in these portfolios:

Ankit

Investment in Mutual Funds is generally made for a long term. The industry experts also suggest an investor to invest for a long term.

Investment of 5 years or more is considered as a long term investment. The reason behind investing for long term is that many Mutual Funds give a fair amount of return if invested for a long term, and that too with moderately low risk or moderate risk.

Composition of various long term portfolios are:

·        Vijay Long Term High Growth Portfolio-High Risk

1.      Reliance Small Cap Fund

2.      L&T Emerging Businesses Fund

3.      Mirae Asset Emerging Bluechip Fund

4.      Tata Equity P/E Fund

·        Become a crorepati in 15 years- Moderately High Risk

1.      Mirae Asset India Oppurtunities Fund

2.      Kotak Emerging Equities Scheme

3.      Aditya Birla Sun Life Balanced 95 Fund

4.      Quantum Long Term Equity Fund

5.      Franklin India High Growth Companies Fund

·        Park Your Money- Low Risk

1.      Kotak Floater Fund

2.      ICICI Prudential Flexible Income Plan

While making investment in a long term mutual fund, it should be kept in mind that the performance of the fund should be checked from time to time in order to ensure that the fund is giving return as per expectations. Moreover funds should be reviewed after the lock-in period. If investments are doing well then stay invested otherwise redeem and invest somewhere else. An alternative to this is to transfer to some other fund by Systematic Transfer Plan (STP). Also a diversified portfolio should be selected that has right proportion of debt and equity. Above information will be beneficial for an investor to invest in long term keeping in mind the risk that he intends to take.

Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing.
Past performance is not indicative of future returns. Please consider your specific investment requirements, risk tolerance, investment goal, time frame, risk and reward balance and the cost associated with the investment before choosing a fund, or designing a portfolio that suits your needs.
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