# Your opinions on my MF Portfolio **URL:** https://tradingqna.com/t/your-opinions-on-my-mf-portfolio/155169 **Category:** Personal finance **Created:** [October 26, 2023, 7:39am UTC](https://tradingqna.com/t/your-opinions-on-my-mf-portfolio/155169 "2023-10-26T07:39:38Z") **Posts on this page:** 1 **Showing post:** 2
### Author: ![SpacemanSpiff](https://tradingqna.com/letter_avatar_proxy/v4/letter/s/b9bd4f/32.png) [@SpacemanSpiff](https://tradingqna.com/u/SpacemanSpiff) #### Post date: [October 26, 2023, 8:50am UTC](https://tradingqna.com/t/your-opinions-on-my-mf-portfolio/155169/2 "2023-10-26T08:50:49Z")
1. Equity allocation is really based on your own comfort level. 15+ year holding is good, make sure to remember that when things are tough. Also small and midcaps are outperforming these days, then _may_ under perform in future. Its fine to invest in them for long term i guess, just don’t extrapolate too much from last few years returns. 2. Consider putting some in high credit debt funds, this can help in diversification, it will reduce overall risk - but also returns. One can argue that if you can manage to hold for 1-2 decades or more, that this is not strictly necessary if you don’t need these funds for expenses. 3. Instead of gold, can consider sovereign gold bonds. They give 2.5% extra interest (taxable) every year + if you hold till maturity, there is no capital gains. Verify this before investing. Also check if would need to withdraw, i am not sure how liquid they are. 4. As retirement age / withdrawal target time nears, can try to find something that can emulate ‘Ray Dalio All Weather Portfolio’. In theory its supposed to give better risk adjusted returns, while reducing the massive Drawdown risk of equity alone. Maybe below can be a good read too. > [@A few investing lessons from Sankaran Naren, one of Indian longest serving and most successful fund manager](https://tradingqna.com/t/a-few-investing-lessons-from-sankaran-naren-one-of-indian-longest-serving-and-most-successful-fund-manager/153572): > > It is always a great pleasure to listen to Sankaran Naren, one of India’s most admired and well-known fund managers, and the chief investment officer (CIO) of ICICI Prudential AMC. He recently spoke at the Tamil Nadu Investor Association sharing some of his best wisdom from his 3-decade career in the Indian markets as an investor, broker, and fund manager. He’s perhaps best known for his contrarian style of investing which has helped him create immense wealth for investors. Here are some of t… --- _[View the full topic](https://tradingqna.com/t/your-opinions-on-my-mf-portfolio/155169)._