विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Smruti
Reetika Sharma642 Answers |Ask - Follow
Financial Planner, MF and Insurance Expert - Answered on Jul 04, 2026
Asked on - May 07, 2026
Hi Sir
I have following SIP,
Now my monthly investment is 20000 in total. I can go up to 25000 per month,
Please suggest me what else SIP i can do or if i want to do any modification in the below SIPs.
IDFC Focused Equity Fund-Growth-(Direct Plan) - 2000
SBI Technology Opportunities Fund Direct Growth - 1000
SBI Blue Chip Fund direct growth- 2000
SBI Contra Fund -2000
hdfc Index Nifty 50 - 2000
Parag Parikh Flexi Cap Fund - Direct Plan - 2000
ICICI Prudential BHARAT 22 FOF - Direct Plan - 2000
nippon Small cap - 3000
Axis Growth opertunity * (Large And Midcap) - 2000
Axis Bluechip (Large Cap Fund) - 2000
Ans: Hi Smruti,
Your disciplined approach towards SIP is worth appreciation. And increasing SIP whenever possible is a remarkable decision.
Currently you are willing to increase your SIP amount from Rs. 20,000 to Rs. 25,000 which is a nice approach.
However, the current funds in which you are invested are highly fragmanted and have many overlapped stocks which clearly doesn't serve the purpose.
Instead of adding more funds into your existing portfolio, you should review and consolidate existing portfolio for a better optimized results.
>> You have 3 funds - SBI bluechip, HDFC index nifty 50 & Axis bluechip - all these serve the same purpose and hold the same stocks. It is not advisable to go for all 3 funds.
>> Thematic Funds - comes with high risk and concentrated exposure. Not recommended.
>> IDFC - has been rebranded to Bandhan.
Ideally, consider investing 5000 in a largecap, 6000 in a flexicap fund, 3000 in a midcap fund, 3000 in a smallcap fund, 3000 in a BAF and 5000 in mix of value fund.
Hence, stop existing SIPs but do not redeem entire portfolio as it comes with an exit load and tax liability.
For a more seamless guidance consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Your disciplined approach towards SIP is worth appreciation. And increasing SIP whenever possible is a remarkable decision.
Currently you are willing to increase your SIP amount from Rs. 20,000 to Rs. 25,000 which is a nice approach.
However, the current funds in which you are invested are highly fragmanted and have many overlapped stocks which clearly doesn't serve the purpose.
Instead of adding more funds into your existing portfolio, you should review and consolidate existing portfolio for a better optimized results.
>> You have 3 funds - SBI bluechip, HDFC index nifty 50 & Axis bluechip - all these serve the same purpose and hold the same stocks. It is not advisable to go for all 3 funds.
>> Thematic Funds - comes with high risk and concentrated exposure. Not recommended.
>> IDFC - has been rebranded to Bandhan.
Ideally, consider investing 5000 in a largecap, 6000 in a flexicap fund, 3000 in a midcap fund, 3000 in a smallcap fund, 3000 in a BAF and 5000 in mix of value fund.
Hence, stop existing SIPs but do not redeem entire portfolio as it comes with an exit load and tax liability.
For a more seamless guidance consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Ramalingam Kalirajan11326 Answers |Ask - Follow
Mutual Funds, Financial Planning Expert - Answered on Apr 08, 2024
Asked on - Jun 01, 2023English
मेरे पास निम्नलिखित SIP हैं, अब मेरा मासिक निवेश कुल 11000 है। मैं इसे 15000 प्रति माह तक बढ़ा सकता हूँ, कृपया मुझे सुझाव दें कि मैं और कौन सी SIP कर सकता हूँ या यदि मैं नीचे दी गई SIP में कोई संशोधन करना चाहता हूँ। IDFC फोकस्ड इक्विटी फंड-ग्रोथ-(डायरेक्ट प्लान) - 2000 SBI टेक्नोलॉजी ऑपर्च्युनिटीज फंड डायरेक्ट ग्रोथ - 1000 SBI ब्लू चिप फंड डायरेक्ट ग्रोथ- 2000 एक्सिस ब्लू-चिप -2000 SBI कॉन्ट्रा फंड -2000 HDFC इंडेक्स निफ्टी 50- 2000
Ans: अपने मौजूदा SIP पोर्टफोलियो को ध्यान में रखते हुए, आप अलग-अलग एसेट क्लास और निवेश थीम में और विविधता लाने पर विचार कर सकते हैं। आप विविधता लाने के लिए हेल्थकेयर, कंज्यूमर गुड्स या उभरते बाजारों जैसे क्षेत्रों में SIP जोड़ने पर विचार कर सकते हैं। इसके अतिरिक्त, लंबी अवधि में संभावित उच्च रिटर्न के लिए मिड-कैप या स्मॉल-कैप फंड में निवेश बढ़ाने पर विचार करें। वित्तीय सलाहकार के साथ समय-समय पर अपने पोर्टफोलियो की समीक्षा करने से यह सुनिश्चित करने में मदद मिल सकती है कि यह आपके वित्तीय लक्ष्यों और जोखिम सहनशीलता के अनुरूप बना रहे। साथ ही, समय के साथ धन संचय को अधिकतम करने के लिए अपनी SIP राशि को धीरे-धीरे बढ़ाने पर विचार करें।
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