Systematic Portfolio of Mutual Funds (2025)
This portfolio is designed to provide diversification across all major sectors while maintaining a core allocation to the Nifty 50 index for stability. It includes a mix of large-cap, mid-cap, small-cap, and sectoral/thematic funds to balance risk and potential returns.
📌 Portfolio Allocation Breakdown
| Category | Fund Type | Weightage (%) | Fund Selection (Example) |
|---|---|---|---|
| Core Equity Holding | Nifty 50 Index Fund | 30% | UTI Nifty 50 Index Fund / HDFC Nifty 50 Index Fund |
| Mid-Cap Growth | Mid Cap Fund | 15% | Kotak Emerging Equity Fund / Motilal Oswal Midcap 30 Fund |
| Small-Cap Growth | Small Cap Fund | 10% | SBI Small Cap Fund / Nippon India Small Cap Fund |
| IT Sector | Thematic – IT | 10% | ICICI Prudential Technology Fund / Tata Digital India Fund |
| Healthcare | Thematic – Pharma & Healthcare | 10% | Nippon India Pharma Fund / Mirae Asset Healthcare Fund |
| Infrastructure | Thematic – Infra | 10% | HDFC Infrastructure Fund / DSP India Infrastructure Fund |
| PSU Sector | Thematic – PSU | 5% | SBI PSU Fund / Nippon India PSU Fund |
| Flexi Cap Exposure | Diversified Growth Fund | 10% | Parag Parikh Flexi Cap Fund / Kotak Flexi Cap Fund |
| Total | 100% |
📝 Investment Rationale
1. Core Stability with Nifty 50 Index Fund (30%)
- Provides broad market exposure to large-cap stocks.
- Low-cost passive investing with long-term wealth creation potential.
- Reduces risk compared to individual stock picking.
2. Growth Potential with Mid-Cap & Small-Cap (25%)
- Mid-Cap Fund (15%): Offers growth from emerging businesses with strong fundamentals.
- Small-Cap Fund (10%): Higher risk, but potential for multi-bagger returns in the long run.
3. Sectoral Thematic Exposure (35%)
- IT Sector (10%): India’s IT sector has strong global demand and high scalability.
- Pharma & Healthcare (10%): Defensive sector with long-term growth due to increasing healthcare spending.
- Infrastructure (10%): Government capex push supports growth in infra-related companies.
- PSU Sector (5%): PSU stocks are gaining momentum with privatization & government reforms.
4. Flexi Cap Fund for Dynamic Allocation (10%)
- Helps balance the portfolio dynamically between large, mid, and small caps.
- Managed actively based on market conditions.
💡 Key Benefits of This Portfolio
✅ Diversification: Balanced exposure to large, mid, small-cap, and different sectors.
✅ Growth Potential: Sectoral funds capitalize on high-growth industries.
✅ Risk Management: Core Nifty 50 fund ensures stability, reducing overall volatility.
✅ Long-Term Focus: Suited for 5-10+ years with SIP investment for compounding benefits.
📊 Ideal Investment Mode:
- SIP Route: Best for long-term wealth creation & rupee cost averaging.
- Lump Sum (for experienced investors): Can invest during market corrections.
