Have I picked up the right schemes?

Please provide your valuable feedback on the mutual fund schemes that are currently in my portfolio. ICICI Prudential Banking and Financial Services Fund (Rs 3,000), Franklin India Smaller Companies Fund (Rs 2,000), Reliance Smallcap Fund (Rs 1,500), DSPBR Natural Resources Fund (Rs 2,000) DSPBR Micro Cap Fund (Rs 1,000), Kotak Select Focus Fund (Rs 1,000), HDFC Mid-cap Opportunities Fund (Rs 2,000), SBI Magnum Gilt STP (Rs 2,500). All schemes are direct one. My risk profile is moderate.
--Mohit

Puneet Oberoi, Certified Financial Planner, responds:


You have chosen good funds, but I will not be able to give you a personalised advice as you have not provided necessary details. I don’t know your time horizon for your goals; I can decide which SIP to map with which goal only if I have that information. Only then I would be able to speak about fund recommendations.