My allocations are
Large Cap - 68% (HDFC Top 200, DSP BR Top 100, Sundaram Select Focus)
Mid Cap - 12% (Rel. Growth)
Sectoral - 4.5% (ICICI Infra)
Debt - 12% (Kotak Flexi Debt)
Global - 3.5% Templeton (I) Equity Income

Due to personal reasons I didn`t continue the investments for past 8 months.
I knew, I missed greater opportunity investing in the falling market.

My queries on MFs are:
Is Sundaram Select Focus a better option or any other fund?
What is other option in Mid-Cap instead of Rel. Growth?
Pls comment on my other funds too.

My queries on Insurance are:
Based on my research regarding riders on term plan insurance, certain companies` riders
are expensive than the base value preminum. for eg. accident permanent/partial disability
from Bajaj Allianz.
Is it worth to have that rider or better to have the additional base value insurance?
Infact the premium for 10,00,000 base value insurance is less than 10,00,000 for APPD rider.

I`ve shortlisted Aviva LifeShield Plus. Is it a better option?
What is your thoughts?

Past Performance of Most of your Funds is GOOD.

You may Discontinue in Sundaram Select Focus & Start in Birla Frontline Equity.

Following Midcap Funds may be good option.

- Sundaram S.M.I.L.E.

- IDFC Premier Equity/ IDFC Small &
Midcap Equity

- Principal Emeging Bluechip Fund

In Insurance Plans Riders are Costly.
However Critical Illness Riders may be OK.

Even Mortality Charges vary in .

Compare Charges before taking any Plan.

Compare Birla Sunlife Dream Plan with AVIVA for same Cover & same Term & then Decide.

Take Insurance cover for Maximum Term
( upto 60 years Age or more).

P.C.Sharma

Dear Akar, Ur selection of funds is good. U can continue to hold ur existing funds.

U can start new investments in ur funds but in case of sundaram focus, u may invest new money in Birla Fr`line Eq.
Keep an eye of focus for next 6-9 months for ur existing holdings, if performance of focus remains low, exit & invest in ur remaining large cap funds (HDFC Top 200, DSP Top 100, Birla Fr`line Eq.).

In case of Midcp, Continue with ur existing holdings for next 6-9 months & take any action as per performance, in Rel. Growth. For new investment in midcap, U may invest in IDFC Prem. Eq.

IPru infra is ok, may invest more.
Temp. Eq. income is also OK.

If u do have some other debt exposure in the form of PF & PPF, NSC etc. no need to have such high debt exposure. In case it`s the only debt exposure in ur portfolio, here again my choice `ll be slightly different. Here it is.

Now onwards u`ll invest in ur Eq. funds thru SIP. Instead invest ur money in debt funds of respective Eq. funds (even redeem from Kotak Flexi to do that). Ur money `ll now remain in debt funds of HDFC, DSP, Ipru, IDFC. From these debt funds, use STP to invest in respective Eq. funds. Invest ur fresh money only in the debt funds. This way ur money `ll earn higher return, STP `ll do the investment on auto so no need to track ur bank account for SIPs. Overall ur debt exposure `ll remain same.

For insurance - Plz. avoid riders with life insurance policies, instead opt for standalone covers from gen. ins. companies. These Gen. ins. policies have wider cover & provide better benefits.

Sample this - Accident Rider - It covers only death or disability for accident happened when u r traveling in a transport vehicle. Now in case, u got slipped in ur bathroom & due to brain hemorrhage u died, this rider `ll not cover u, as this is not an accident within the terms & condition of accident as defined in policy document for rider.

But this same accident `ll be covered by Gen. Ins. policy.

Same is the case with other riders. The only meaningful rider is waiver of prem. rider, which help u in case due to disability u r unable to work & accordingly u can`t pay ur prem.

Aviva life shield plus is one of the cheapest option. Plz. do have a look on following plans also.

Aegon religare
TATA-AIG
IPru Pure Protect classic/elite
Kotak Preferred Term Plan
Birla Dream Plan

Feel free to ask if u need more help.

Thanks

Ashal