How many Mutual Funds should I have in my Portfolio?

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A commonly asked question is - How many mutual funds should I have in my investment portfolio? In this short video, I explain my preferred set of mutual fund scheme types including the allocation I use. To put is as a summary, my ideal mutual fund portfolio will include 7 mutual funds:
‣ 1 Large Cap fund (25%)
‣ 1 Mid Cap fund (12%)
‣ 1 Small Cap fund (12%)
‣ 1 International fund (12%)
‣ 1 Gold fund (5%)
‣ 1 Liquid or Money Market debt fund (15%)
‣ 1 Short or Medium Duration debt fund (20%)

For more details on how I design my portfolio, watch this video:

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Disclaimer: I am not a SEBI registered investment advisor or research analyst. The content posted on this platform is purely for educational purposes and none of it constitutes investing or trading advice. Viewers should do their own research and diligence before investing or acting on the information presented

[kspjlcu]

Instead of Large cap investing in Nifty is more cheaper with same returns as large cap

[Shrivatsaharagapur]

Instead of Debt fund we can just invest in Bank FDs and postal FDs where we get 7-8% Intrest without any risk ... And in Debt fund we get 9-10% but with little risk.... Instead of gold bonds.. Buying 24 karrot gold is good....

[Shree_]

For NPS subscribers, this allocation will take care by NPS itself. For me I have 6 funds. 5 EQ, 1 liquid fund. In equity, 1 ELSS, 1 Flexi, 1 multicap, 1 sector and 1 international fund.

[geopaul]

Mine Large cap 30% midcap 15% small cap 15% foreign equity 20% debt 10% Gold 10%

[DeepakGowda]

I have 1 large cap, 1 small cap, 1 mid cap, 1 micro cap, 1 thematic and 2 international funds.

[lucifer]

Unless you have a large capital to invest, I feel 3-4 funds are enough
1. Flexicap
2. Elss
3. Gold
4. Debt (liquid/short term)

[Mob-zmfi]

Is it good that one has nps and ppf both, along with equity and FD??

[SaurabhSingh-in]

Hi Shankar Sir, Do you think money Market fund can be used to park emergency corpus alongwith Bank FD?

[aravindkumar]

One single multi asset would suffice then. Instead of paying expense to multiple funds plus manually rebalancing the portfolio depending upon the valuation of each asset class.

[tushar]

I have 8 equity funds 1in large cap 2 in small cap 2 in mid cap 1 in nifty 50 index 1 in balanced 1 in genx fund . So question is it is good to go for above

[maazashraf]

I do sip of 8000 with 7 mutual fund all are equity fund

[suganthansrinivasan]

One Index fund (Nifty 50) is more than enough - just my opinion.. No other funds proven beating Nifty in the long term 20 years.!!

[shardulsawant]

*My Investment Proportion*
ELSS : 20%
Debt : 20%
Nasdaq : 20%
Gold : 10%
Midcap : 10%
Smallcap : 10%
REIT : 5%
Crypto : 5%

[sachinrathod]

12% in international fund doesn't make sense, it should be 5%.

[timtimtim]

It should be based on ur age..to start, one can invest 80% in equity.. what he is told is for ppl above 40 age

[lordrdx]

Your thoughts on keeping ppf & bank fd instead of debt funds & your views on Axis Triple Advantage fund?

[shortsbysingams]

Sir, Knowingly or unknowingly I have all the categories mentioned in the list apart from gold. Do I really need to add gold fund in my portfolio?? 😊

[alexstanley]

As far as debt and gold allocation is concerned, is it good to just have an FD and the remaining to equity?

[mohamedrafishamsudeen]

Shankar.. I usually avoid the debt funds due to my religious beliefs... Is there any other option for other hedging..?

[saieshwar]

Is it ok to invest in conservative Hybrid funds, will it be sufficient to cover our debt portfolio requirements.