codemonkey
New member
I have a MF portfolio that I have built for over past 10 years(Most investment was done in the past 3 years). Equity vs Debt allocation is 85:15 in this and I am getting 7.8% XIRR.
Given that MFs quote a returns of >8% on average and market is at a peak, have I done a very bad job in choosing my MFs to get this bad returns? Or is it in general that people have this amount of returns?
Edit: Added detailed portfolio. I know that this portfolio has a lot of funds and it is due for removal of some funds. The reason I have so many funds is that I followed a very adhoc way of finding funds i.e. not goal based but returns based.
Fund Name
Percentage of Folio
XIRR
L&T Emerging Businesses Fund Direct G
8.53
0.2
HDFC Small Cap Fund Direct G
8.76
-0.5
Aditya Birla Sun Life Small Cap Fund Direct G
6.1
1.5
L&T Short Term Bond Fund Direct G
1.65
10.4
HDFC Hybrid Equity Fund Direct G
4.54
5.7
HDFC Short Term Debt Fund Direct G
1.66
10.6
L&T Midcap Direct G
8.73
12.3
HDFC Mid-Cap Opportunities Reg G
3.04
7
DSP Equity Direct G
1.85
15
ICICI Prudential FMCG Reg G
9.35
12
SBI Bluechip Direct G
1.37
9.2
SBI Bluechip Direct D
0.74
8.9
SBI Bluechip Direct G
1.03
13
DSP Small Cap Fund Direct G
1.21
2.2
Franklin Templeton Franklin India Low Duration Direct G
0.41
-13.4
ICICI Prudential Value Discovery Reg G
2.58
3
ICICI Prudential Long Term Equity Fund (Tax Saving) Reg G
6.21
13.1
Franklin Templeton Franklin India Bluechip Reg G
5.37
7.3
Franklin Templeton Franklin India Taxshield Reg G
5.33
12.8
Franklin Templeton Franklin Build India Direct G
0.38
5.1
HDFC Balanced Advantage Fund Direct G
1.54
6.1
ICICI Prudential Multi Asset Fund Direct G
1.79
8.7
ICICI Prudential Liquid Fund Direct G
1.58
6.7
Franklin Templeton Franklin Build India Direct G
0.24
3.9
Aditya Birla Sun Life Frontline Equity Direct G
1.13
9.2
HDFC Taxsaver Reg G
2.28
12.3
ICICI Prudential Value Discovery Direct G
0.64
3.3
HDFC Top 100 Fund Direct G
1.8
8.9
Kotak Low Duration Fund Direct G
0.45
9.4
Given that MFs quote a returns of >8% on average and market is at a peak, have I done a very bad job in choosing my MFs to get this bad returns? Or is it in general that people have this amount of returns?
Edit: Added detailed portfolio. I know that this portfolio has a lot of funds and it is due for removal of some funds. The reason I have so many funds is that I followed a very adhoc way of finding funds i.e. not goal based but returns based.
Fund Name
Percentage of Folio
XIRR
L&T Emerging Businesses Fund Direct G
8.53
0.2
HDFC Small Cap Fund Direct G
8.76
-0.5
Aditya Birla Sun Life Small Cap Fund Direct G
6.1
1.5
L&T Short Term Bond Fund Direct G
1.65
10.4
HDFC Hybrid Equity Fund Direct G
4.54
5.7
HDFC Short Term Debt Fund Direct G
1.66
10.6
L&T Midcap Direct G
8.73
12.3
HDFC Mid-Cap Opportunities Reg G
3.04
7
DSP Equity Direct G
1.85
15
ICICI Prudential FMCG Reg G
9.35
12
SBI Bluechip Direct G
1.37
9.2
SBI Bluechip Direct D
0.74
8.9
SBI Bluechip Direct G
1.03
13
DSP Small Cap Fund Direct G
1.21
2.2
Franklin Templeton Franklin India Low Duration Direct G
0.41
-13.4
ICICI Prudential Value Discovery Reg G
2.58
3
ICICI Prudential Long Term Equity Fund (Tax Saving) Reg G
6.21
13.1
Franklin Templeton Franklin India Bluechip Reg G
5.37
7.3
Franklin Templeton Franklin India Taxshield Reg G
5.33
12.8
Franklin Templeton Franklin Build India Direct G
0.38
5.1
HDFC Balanced Advantage Fund Direct G
1.54
6.1
ICICI Prudential Multi Asset Fund Direct G
1.79
8.7
ICICI Prudential Liquid Fund Direct G
1.58
6.7
Franklin Templeton Franklin Build India Direct G
0.24
3.9
Aditya Birla Sun Life Frontline Equity Direct G
1.13
9.2
HDFC Taxsaver Reg G
2.28
12.3
ICICI Prudential Value Discovery Direct G
0.64
3.3
HDFC Top 100 Fund Direct G
1.8
8.9
Kotak Low Duration Fund Direct G
0.45
9.4