Best Performing Diversified Mutual funds that are rocking now in 2015
Stock markets are moving up and down in last few months. While there are several best performing mutual funds in 2015, some of the diversified / multi-cap mutual funds are doing well in 2015. Diversified funds / multi-cap funds invests in large cap stocks, mid-cap stocks and small cap stocks, hence does not restrict them to particular segment of stocks. This makes such mutual funds unique from other categories of funds. In this article, I would provide some insights about these top and best performing mutual funds of 2015 in diversified segment.
What are diversified / multi-cap mutual funds?
If you are already familiar with this, you can skip it. Diversified or multi-cap mutual funds are those which invests in all categories of market capitalization like large cap stocks, mid-cap stocks and small-cap stocks. Their investment objective is not to invest in single market capitalization. This way, they would explore opportunities in various segments and there is scope to maximize the returns.
Also Read: Top and Best Balanced / Hybrid Mutual Funds to invest in 2015
How I picked-up these best performing mutual funds of 2015 in diversified segment?
- These are picked based on highest returns received in the last 5 years.
- Funds, which are rated by Crisil as Rank-1 and Rank-2 which indicates top performance across various market cycles.
- Some of these are not rated by Value research (VRO), hence I have not considered them in this analysis.
- AUM (Assets under management) > 100 Crores. This proves investor confidence among these top mutual funds.
- Some of the funds might be a repetition from my earlier recommendation.
1) ICICI Pru Exports and Services Mutual Fund
Fund Objective: The scheme aims to invest predominantly in equity or equity related securities of the companies belonging to the service industry and the balance in debt and money market instruments.
Fund Performance: This fund has beaten all its peers and provided 22% annualised returns in last 5 years. If you have invested in this fund for ₹ 1,000 per month through SIP for 5 years, your total investment would have been ₹ 60,000 and your investment value would have been ₹ 132,800 now.
Why to invest: This fund has a clear strategy and consistently performing in the long run. This fund beats all its peers and provided 22% annualised returns in the last 5 years comparing to CNX Service Sector returns of 12.3% in a similar period. This makes this as a unique fund among its peers.
2) Birla SL Gennext Mutual Fund
Fund Objective: The scheme aims to invest in equity/ equity related instruments of companies that are expected to benefit from the rising consumption patterns in India, which in turn is getting fueled by high disposable incomes of the young generation (Generation Next).
Fund Performance: This fund has beaten its peers and provided 21% annualised returns in last 5 years. If you have invested in this fund for ₹ 1,000 per month through SIP for 5 years, your total investment would have been ₹ 60,000 and your investment value would have been ₹ 112,216 now. This is another best fund to invest for long term of 8-10 years.
Why to invest: The strategy is clearly articulated and has delivered exactly what it promises. This fund has provided 21% annualised returns in last 5 years compared to CNX Nifty returns of 10.1%.
3) Franklin India High Growth Cos Mutual Fund
Fund Objective: The fund seeks to achieve capital appreciation through investments in Indian companies/sectors with high growth rates or potential. It will focus on companies offering the best trade-off between growth, risk and valuation. The fund managers will follow an active investment strategy and will be focusing on rapid growth companies which will be selected based on growth, measures such as Enterprise value, growth rate, price/earnings/growth, forwardprice/sales, and discounted EPS.
Fund Performance: This fund has beaten its peers and provided 19% annualised returns in last 5 years. If you have invested in this fund for ₹ 1,000 per month through SIP for 5 years, your total investment would have been ₹ 60,000 and your investment value would have been ₹ 125,826 now. This is another best fund to invest for long term.
Why to invest: This MF scheme is a consistent performer and value research online rates this as 5-Star (5/5). In long run of 7 years, it has given 17.7% annualized returns against CNX 500 which just gave 9.2% annualized returns. This is one of the best mutual fund to invest in 2015 as it has performed well in various market cycles over 7 years.
4) Reliance Equity Opportunities fund
Fund Objective: The scheme aims to invest in stocks across those sectors and industries where Indias strong inherent potential is increasingly becoming visible to the world, which are driving our economy and whose fundamental future growth is influenced by ongoing economic reforms, FDI inflows and infrastructural changes.
Fund Performance: This fund has beaten its benchmark and provided 19% annualised returns in last 5 years. If you have invested in this fund for ₹ 1,000 per month through SIP for 5 years, your total investment would have been ₹ 60,000 and your investment value would have been ₹ 110,700 now. This is one of my favorite and best multi-cap fund to invest for the long term.
Why to invest: This fund performed excellent in last 10 years and given 22% annualised return comparing to S&P BSE 100 benchmark of 15.5%.
Also Read: Which are the best tax saving ELSS Mutual funds to invest in 2015?
5) L&T India Value Fund
Fund Objective: The Scheme seeks to generate long term capital appreciation from a diversified portfolio of predominantly equity and equity related securities, in the Indian markets with a higher focus on undervalued securities. It could also additionally invest in Foreign Securities in international markets.
Fund Performance: This fund has beaten its benchmark and provided 18% annualised returns in last 5 years. If you have invested in this fund for ₹ 1,000 per month through SIP for 5 years, your total investment would have been ₹ 60,000 and your investment value would have been ₹ 118,000 now. This is one of the best funds to invest for long term in diversified segment.
Why to invest: This fund performed excellent in last 5 years and value research online rated this as 5-Star (5/5). This fund has given 18% annualised return comparing to S&P BSE 200 benchmark of 10% and overall category average of 13.8%.
Conclusion: You can invest in these best diversified Mutual funds for the long term. Instead of investing your entire mutual fund investments in this, you can allocate 15% to 20% of your portfolio into these multi-cap mutual funds. These mutual funds are suitable for moderate to high risk investors as mutual fund investments involves risks.
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Suresh
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My Portfolio:
Aim: Wealth creation for a 10 years for child education
Wealth creation for a period of 15 to 20 years for Retirement.
Iam currently 35 years of age and have around 20k Surplus every month to be invested into Mutual Fund.
Below is my portfolio:
Large Cap:
Quantum Long Term Equity fund : SIP- Rs 2000 per month – Increasing to 4000 Rs per month from this onwards
Small / Mid Cap:
DSP BlackRock Micro Cap fund growth – Rs 1000 SIP per month
Diversified Fund:
UTI MNC Fund growth:- Rs 1000 SIP Per month
Balanced Fund:
HDFC Balanced fund growth : Rs2000 SIP per Month
L&T India Prudence fund growth: Rs 2000 Per Month
Long term Debt Fund:
HDFC High Interest fund dynamic plan (G) : Rs 1000 SIP per Month
Reliance Dynamic bond fund growth plan (G) : Rs 1000 SIP Per month
Short Term debt:
Birla SUNLIFE Treasury Optimizer Plan (G) : Lumpsum Rs 5000
ICICI Prudential Banking and PSU Debt Fund – Direct Plan(G) : Lumpsum Rs 5000
Credit Opportunities fund:
DSP BR Income Opportunities Fund (G): Rs 1000 SIP Per Month
Please let me know if there is any changes needs to be made ? Are the selected funds good ?
You have good amount in debt funds, do you really want to invest in debt funds. Unless you want money for short term or for emergency money, avoid investing in debt funds. You can add more in large cap and mid-cap segment. Other funds are good
I think you might be specifically telling about the Long Term Debt funds ?
Because i heard that short term debt do help in cushioning short term volatility
Hi Suresh,
I want to Invest 6K in SIP monthly minimum for one year and max can 3 to 5 years. Please let me know in how much and in which Mutual funds should I invest.
Regards,
Vilas Nagare
Hi,
I invested 4000 in ICICI midcap and 3000 in hdfc balanced fund through SIP.
I want to invest 4000 more.
Please suggest one/two good fund. So that good portfolio will create.
Time horizon is 7-10 years
Dear Suresh,
I understand that only Equity Mutual funds are not taxable when redeeemed whereas the debt MF are taxable. Is it true??
Also request you to pls advice whetehr the follwoing MF are equity or debt based:
1. Reliance Growth Fund
2. SBI FMCG Fund
3. HDFC Top 200 fund
4. HDFC Long term advantage fund
From where i can check whether the MF are Equity or debt based????
Hi Vivek 1) Equity funds> 1 year – Not taxable, however < 1 year, returns would be added to your income 2) Debt funds - < 3 years, short term capital gains, more than 3 years, tax is computed based on long term capital gains i.e. 20% with indexation or 10% without indextion
Among 4 of them 3 are large cap funds and 1 is ELSS (means all are equity funds only). You can type any fund on google and click on links to moneycontrol or valueresearchonline. You would see the category / class of mutual fund. It would indicate like large cap, mid-cap, small-cap, ELSS etc., Anything relating to Debt funds, short term funds or liquid funds are all classified under debt funds category.
Sir my exposure in mid cap section was high bcoz of tht I thought of exiting…sir can u plz give a check on my current portfolio md guide me if m doing somethibg wrong…m currently investing 5000 rs with 50% in sector funds, 30% in mid cap, 10% diversified, 10% large cap
Following are the funds:-
1. Sbi pharma fund (1000)
2. Reliance pharma fund (500)
3. Uti trans & logistics fund (1000)
4. Uti mid cap fund (500)
5.Uti mnc fund (500)
6. Uti equity fund (500)
7. Franklin india smaller co. (500)
8. Hdfc mid cap opportunities (500)
9. Religare invesco mid and small cap fund (500)
Sir plz guide me wht m doing wrng nd bw much exposure should I hv in different sectors as my riak appetite is very high nd goal is wealth maximization .
Sir w8ing 4 ur rply…plz advice me sir 🙂
Yeh Dikshat, I just reponded on your other message.
Hi sir….I need ur advice…I want to exit frm 1 of the following bt m confused tht which fund should I take exit
1. Uti midcap fund
2. Religare invesco mid and small cap fund
3 . Hdfc mid cap opportunities fund
4. Franklin india smaller companies fund
And moreovr I wanna knw best sector funds which provide high return…my risk appetite is very high nd goal is wealth maximation I can give upto 20 years….presently m investing in sbi pharma fund & uti transportation and logistics fund
Dikshant, any reason you want to exit 1 out of them. Given a choice, I would exit UTI Mid-cap fund among 4. You are investing in SBI pharma and UTI Transportaion and it is sufficient in sector funds. Don’t go over investment in sector funds.
Sir i want to invest 1000 per month by sip nd i can continue sip for 7-8 years ,please suggest me some good fund ,nd i want maximum return.
You can invest in ICICI focussed blue chip fund or Birla SL Frontline fund or UTI equity fund
sir, i decided to invest Rs 1000 every month in Tata balanced fund , sbi magnam midcap fund & , franklin india prima fund, write about my decision.
Invest in consistent performers. e.g. balanced funds, you can choose ICICI balanced fund or HDFC balanced fund. Similarly in mid-cap, consistent performers like Franklin India smaller companies, HDFC mid-cap opps are always good.
my name is dikshant talwar age -20, from patiala punjab, 7696033527, I want to knw that is funds in my portfolio are good or not I hv following funds:- 1.icici bluechip fund (1000) 2. uti transportation & logistics fund (1000) 3. uti opportunities fund (500) 4. hdfc mid cap opportunities fund (500) 5. religare invesco mid and small cap fund (500) 6. franklin india smaller co. (500)7. Uti mid cap fund (500) 8. Uti equity fund (500) 9. Uti mnc fund (500) my risk appetite is high nd my purpose is wealth maximization
Good funds except for UTI MNC fund. You can review and exit them now. MNC funds would not perform in future the way they performed earlier, hence it is exit call
Sir i want to do sip of 1000 rupees and also want to invest 15000 rupees please duggest me good fund and how to invest in them?
Hello Suresh
I want your esteemed advice regarding the portfolio I am planning for investment.
I am 32 years old and I plan to continue with investment over a period of next 20 years.
Currently I am planning to invest Rs 15000 in SIP and it may increase in the same funds after sometime, once I gain confidence. I cannot review the investments very often, so I want to continue with the same for next 20 years.
I am planning to indulge in SIP as under
Reliance Tax Saver – Rs. 5000/month
ICICI Pru Tax Plan – Rs 2500/month
HDFC Balance Fund – Rs 2500/month
ICICI Pru Exports and Services Mutual Fund – Rs 2500/month
Franklin india smaller Co Fund – Rs 2500/month
Kindly provide your suggestions regarding my planning. Also please clarify weather I shall go for Direct investment or Regular Investment.
Thank You for providing this wonderful Platform
Shakti Singh
Sir i have 15000rupees,i want to invest in a mutual fund,i know nothing about iit ,please help me ,and i also want to know that 15000rupee investing straight could be better or i need to start sip with 1000rupee ,please help me please
Hi Suresh
I am planning to Start a SIP of Rs 30,000 monthly over the next 8-10 years.
I am looking to invest this amount across 3 mutual funds only.
I have identified Frankilin India high growh fund, tata equity growth fund and HDFC top 200 fund for my portfolio
Basically, I am targetiing 15% returns appx pa
Can you please suggest if the above funds are a good choice?
If not can you please suggest some alternatives?
Regards,
Anthony
Funds are good. However instead of 3 funds, target for 6 funds (Rs 5,000 each). Invest in large cap funds like ICICI focussed blue chip fund, Birla SL Frontline equity etc.
my name is dikshant talwar age -20, from patiala punjab, 7696033527, I want to knw that is funds in my portfolio are good or not I hv following funds:- 1.icici bluechip fund (1000) 2. ui transportation & logistics fund (500) 3. uti opportunities fund (500) 4. hdfc mid cap opportunities fund (500) 5. religare invesco mid and small cap fund (500) 6. franklin india smaller co. (500) 7. reliance pharma fund (300) 8. reliance banking fund (200) 9. reliance opportunities fund (300) my risk appetite is high nd my purpose is wealth maximization
Sir w8ing 4 ur rply…
Hi Suresh
Needed your suggestion on my current MF portfolio and future plan:
Current- Total Rs 10,000 monthly
1) HDFC Top 200- Rs 2500
2) HDFC Prudence- Rs 2500
3) HDFC Balanced- Rs 2500
4) IDFC Premier Equity A- Rs 2500
Going forward- plan is to invest Rs 25,000 monthly. Investment horizon atleast 20 years- I am 34 now.
a) Are the above MFs ok? HDFC Top 200 has been a laggard- should I continue or stay invested?
b) I understand I am invested in two balanced funds- hdfc prudence and hdfc balanced- should I exit one or continue investing in both? Should I increase my contri?
c) If I look at HDFC Top 200, balanced and prudence- am I right to say that I am overinvested in large caps ( ignoring the debt allocations of balanced funds) and trying to overheadge myself? I am 34 years now
d) I like HDFC stable- moreover I am an NRI and already created HDFC Direct account- so easier to open a new SIP through HDFC- am I being foolish by investing only in HDFC AMC?
e) I am planning to invest additional Rs 15,000 per month in SIPs and I am building a retirement corpus. Would adding more large cap and mid cap fund be good? my plans are as follows:
Additional Rs 15,000 SIP monthly
1) HDFC Midcap- Rs 2500
2) Sundaram Select Midecap- Rs 5000
3) Franklin bluechip- Rs 2500
4) Any others (including increasing SIPs in exisiting MFs….would like to add varied and
MFs which divrsify my porotfolio and gives aggressive returns….)- Rs 5000
5) For debt- I am looking at PPF + NRE fixed deposits 1-2 years (both tax free)- should I consider liquid/ short term debt mfs?
Regards
Good to hear about to Rohit a) Don’t worry, HDFC Top-200 is underperforming in short term, however I expect to be a good fund in future. We need to see consist performers b) Better to have only one balanced fund. You can continue HDFC balanced fund c) Don;t worry about debt diversification now as you are still young e) For retirement corpus, please go with large cap funds. Regd agressive returns, you should look for mid-cap/small cap funds. Pls add them as per my recommendation in article. Last query, you should keep some fund for emergency in the form of liquid or short term funds, otherwise, invest for long term like PPF + NRE FD where interest is tax free.
Hi Suresh,
I follow your blog regularly. I have learnt a lot from your blog. So thanks for that.
I have invested in the following funds (₹1000 per month basis):
1- UTI MNC Fund
2- Franklin India Smaller Co. Fund
3- HDFC Balance Fund
4- ICICI Pru Focused Blue Chip Fund
Are these good investments for a portfolio?
Thanks in advance.
Good funds. Please continue. However for UTI MNC fund, you would have seen my article about MNC funds could be laggard going forward. You may review and exit and invest in large cap fund.
Hi,
Thanks a lot for your reply, appreciate it.
So if the UTI MNC fund is not a wise fund to invest in long term, then could you be so kind to suggest me me an alternative? I am looking for mid cap or small cap funds purely, as you can see I already have large cap fund in my portfolio.
I would be really obliged if you could suggest me an alternative.
Thanks in advance.
Saurav, You can invest in HDFC Mid-cap opps fund or Franklin India smaller companies fund
Hi Suresh,
I need Rs. 8,50,000 /- on cash in the year end of 2019(After 4 years), as i have to change my current profession to being an entrepreneur. this is the cash i need as an emergency fund for the next few years to survive the family,because of my career change. I m the beginner of the stocks and mutual funds. so, can you suggest which equity funds i have to invest from now to get that 8,50,000 /- ? At present i can invest up to 10,000 /- per month, that i can go for the moderate / high risk on invest. kindly, suggest a better advice for this one.
Thanks,
Saravana
Hi Suresh,
I have just started below funds in SIP on monthly basis. My age is 32. Would you suggest me to keep these mutual fund for next 10 years.
Hi Suresh,
I have just started below funds on monthly SIP. My age is 32 years. Would you suggest me to keep these mutual fund for next 10 years.
ICIC pru focus blue chip 4k
UTI equity 3k
HDFC top 200 3k
HDFC midcap opportunity 2k
franklin india smaller 2
UTI midcap 1k
Frankil high growth cos 2.5
ICICI pru exports and serv 2.5k
Reliance Equity oppotunity 2k
Good funds, stay invested
Yes you can invest for next 10 years.
Hi, I gone through some of your article its really very good, sort and to the point. I have one question in this article. As per above list if i choose diversified SIP for 1 year it gives me triple (3 times ) returns than 5 years.
IS it better to invest for 1 year?
Mukesh, Due to new govt and stock market boom, these funds have done better in last 1 year. You cannot expect this every year. Invets for long term and you would get such opportunities twice or thrice in 10 years.
Hi Paracken
I am a NRI myself and we have only limited funds that we can invest in .I have used an expert on this who has helped me through the process .I can share his name with you if interested .
Rajnish
Hi
I am an nri,living outside india.
How can I invest in mf from here?
Rds
Hi Suresh Garu,
Presently I am in 20% tax slot.
apart from ELSS , investing in RGESS (50k to get TAX free for 25K)is it a good idea or investing the same amount in other best performing MF’s to pay tax.
Please reply me ASAP
Dear Suresh,
I am having Rs.2.50 lacs of surplus money with me. shall i invest Rs.50000/- each in the above funds for 5 years?
hi suresh,
I would like to invest lumsum (around10 Lahks) for long term (around 10 to 15years). can I invest in these funds?
Suresh , Thank You very much for your reply.
As to why I want it to reduce to 2 is because I want to reduce my equity exposure to the minimum , US Stock are at its peak due to QE bubble and most likely 20015/16 we might see the biggest crash in history and longer recession far greater than 2008 crisis due to the huge unsustainable bubble QE and ZIRP has created.
I am sure Indian stock market would be significantly impacted when that happens ,Since my plan is to invest around 15 lakhs in next 15 years via SIP and that is the greater part of money I have as my savings I dont want to loose it in Equity gamble.
My plan was to keep 2 equity and put 1K per month in both and put major money in Hybrid/Debt which is ICICI Study Plan and HDFC Hybrid Plan and with your advise ICICI Balanced Plan to reduce my equity exposure even though it may not yeald more than ~12 % staying invested in it.
I know I might be sounding a bit paranoid considering 15 years is a long cycle and any thing can happen but I just want to be on the safer side of it.
Very nice article. Nice research
Dear Sir,
If I want to invest some amount through SIP in mutual fund, is it better to invest the full amount in a fund or to split it and invest in 2-3 mutual funds. considering the benefit of compounding which option will give the best returns in long term investments?
Hi very interesting article.
I have a query. I had invested rs 10000 each in Franklin templeton bluechip, reliance growth, reliance equity opportunities and icici discovery funds on the advice of hdfc rep. Without knowing anything about mutual funds I had invested in dividend scheme.
The amounts have appreciated well to around rs 50000. Recently I came to know growth scheme is better. I would like to keep invested for another five years
Should I switch to growth? Or keep as such? Also should I change any fund?
Yes sir, above finds – diversified fund- are really good funds
Hello Suresh ,
Would appreciate if you could help me with my query
I have the follow for MF in which I am doing an SIP for a sum of total Rs 7500 for past 3 years. I would like to streamline and keep just 2 from the list of 4 for a sum of Rs 1000 for next 15 years.
BIRLA SUN LIFE FRONTLINE EQUITY G
HDFC EQUITY G
HDFC TOP 200 G
IDFC PREMIER EQUITY REGULAR PLAN G
I plan to add two new funds HDFC Balanced Fund ( 3 k pm ) and ICICI Study Plan ( 4 k pm ) as they are equity/debt oriented and plan to stay for next 15 years along with two equity fund from above.
This would be a total investment per year for SIP of about 1,08000 per year.
Can you suggest which of the equity fund I should stay invested amount the 4 for long term. Since these are my life savings I dont want them to be too equity exposed but be in Hybrid Fund oriented towards Debt.
Joseph, Regarding 4 funds, any reason you want to reduce it to 2? Stay invested in atleast 5-6 funds so that any underperformance of one fund should not hurt your portfolio. All 4 are good, stay invested. Regarding other 2 funds, HDFC balanced fund is good. But ICICI Study plan – debt fund, why you want to invest for long term of 15 years. Don’t do that. You can add another balanced fund like ICICI balanced fund instead for 10-15 years.
Hello Sir,
Thanks for sharing information.Will it be a good idea for 20 years investment?
Reason for 20 years – For Children,s Education or It would help for other needs.
I have already invested in Mid-Cap MF- Franklin smaller and HDFC Mid Cap for the same duration(Retriment plans).
Yes Prakash, you can invest for long term