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The sensex is close to its all-time high and there are signs it could record a new peak soon, probably before Diwali later this week. At this point, many investors are asking if they should take a relook at their equity fund portfolio, and does the new peak for the sensex warrant any change in the same?

Most financial planners and advisers say that if one has put in place a good financial plan, it hardly matters if the market is at a new high or at a multi-year low. Sticking to the financial plan, being patient and disciplined are the three attributes that differentiates a good investor from others in the long haul.

With the sensex near its record peak, the large-cap mutual fund schemes with a long track record are also in the limelight.

Some of the large-cap schemes available in the industry remain invested mostly in frontline stocks that bring in stability to the portfolio, i.e. have low volatility compared to funds that invest in secondrung stocks. This means that a large-cap mutual fund may not give returns in multiples in a strong market, but it is also true that during a downturn it won’t erode investors’ money sharply.

“The relative stability of frontline, blue chip stocks percolate to the portfolio of a diversified large-cap fund,” said a top official at a leading fund house.

So what strategy should an investor adopt to invest in such funds to reap rich returns? According to financial planners, the first thing to do is to invest in a diversified large-cap equity fund through the systematic investment (SIP) route. Second, investments in these funds should be made with long-term objectives, i.e. the investor should remain invested for at least 8-10 years.

If the investor is looking for short-term gains and plans to time the market, large-cap diversified funds are not the ones they should be looking at. They should understand that large-cap funds hold mostly sensex and nifty stocks. At times, the stock prices of these companies take time to reflect their intrinsic value and the investor should have the time and patience for such values to reflect in the price.

However, before investing in such schemes, an investor should make sure that such investments are in tune with his/her long-term goals.

It should not be that an investor is investing in such funds just because they come with low volatility and with the prospects of longterm gains, financial planners point out.

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Best Performing Mutual Funds

1. Largecap Funds Invest Online
1. DSP BlackRock Top 100 Fund
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3. Birla Sun Life Front Line Equity Fund
2. Large and Midcap Funds Invest Online

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1. Reliance Equity Opportunities Fund
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4. IDFC Premier Equity Fund
3. Small and MicroCap Funds Invest Online

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4. Sector Funds Invest Online

1. Reliance Banking Fund
2. Reliance Banking Fund
5. Tax Saver MutualFunds Invest Online
1. ICICI Prudential Tax Plan
2. HDFC Taxsaver
3. DSP BlackRock Tax Saver Fund
4. Reliance Tax Saver (ELSS) Fund
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2. ICICI Prudential Regular Gold Savings Fund
3. HDFC Gold Fund