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#6
06-18-2009, 07:54 AM
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Married
Portfolio Type: Growth This is a phase when one’s income increases and so do financial responsibilities. Such a portfolio would also suit someone shifting from double income to a single income or someone looking to capitalise on his/her current financial position without any significant risk. Asset Allocation: 80% equity, 20% debt Scheme Name And Allocation: Birla Sun Life Frontline Equity (25%) | Equity: Large-cap DSP BR Top 100 Equity Reg (25%) | Equity: Large-cap HDFC Top 200 (10%) | Equity: Large and mid-cap DWS Investment Opportunity Regular (10%) | Equity: Large and mid-cap UTI Dividend Yield (10%) | Equity: Dividend Yield / Contra Canara Robeco Income (10%) | Debt: Medium-term DSP BR Short-term (10%) | Debt: Short-term 
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#7
06-18-2009, 07:55 AM
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Married With Kids
Portfolio Type: Growth with stability The longest phase of one’s life, this phase poses the challenges of seeking growth with stability to fall back on. The various situations that life can pose are a change in job, children growing up, higher financial commitment or going through a divorce. Allocation: 65-70% equity, 30-35% debt Scheme Name And Allocation: Reliance Regular Savings Balanced (25%) | Hybrid: Equity-oriented Birla Sun Life Freedom (25%) | Hybrid: Equity-oriented DSP BR Balanced (25%) | Hybrid: Equity-oriented FT India Balanced (25%) | Hybrid: Equity-oriented
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#8
06-18-2009, 07:55 AM
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Pre-retirement/Retirement
Portfolio Type: Conservative The 10 years before retirement is the phase when children become self-sufficient. At this stage, a conservative portfolio is ideal. This also works for someone whose income or assets may have increased. Asset Allocation: 30-40% equity, 60-70% debt / 15-20% equity, 80-85% debt Scheme Name And Allocation (Pre-Retirement): Canara Robeco Income (20%) | Debt: Medium-term Birla Sun Life Dynamic Bond Ret (20%) | Debt: Medium-term DSP BR Short-term (10%) | Debt: Medium-term Birla Sun Life Freedom (20%) | Hybrid: Equity-oriented DSP BR Balanced (20%) | Hybrid: Equity-oriented FT India Balanced (10%) | Hybrid: Equity-oriented Scheme Name And Allocation (Retirement): Birla Sun Life Frontline Equity (12.5%) | Debt: Medium-term UTI Dividend Yield (7.5%) | Debt: Medium-term UTI Floating Rate ST (15%) | Debt: Medium-term Canara Robeco Income (20%) | Hybrid: Equity-oriented Birla Sun Life Dynamic Bond Ret (20%) | Hybrid: Equity-oriented DSP BR Short-term (15%) | Hybrid: Equity-oriented Templeton India MMA (10%) | Hybrid: Equity-oriented
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#9
06-18-2009, 07:56 AM
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#10
06-18-2009, 07:56 AM
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