विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Pravin
Ramalingam Kalirajan11326 Answers |Ask - Follow
Mutual Funds, Financial Planning Expert - Answered on Jul 09, 2026
Asked on - Jul 08, 2026
Kindly advise the motioned below SIP in MF
1. HDFC Mid cap opportunities fund
2.SBI focused fund
3. SBI multicap fund
4.SBI Flexi cap fund
5 Aditya birla sun life large cap fund
6. Canera robbeco emerging fund
7. Axis large cap fund
8. Axis large and mid cap fund
9 Mirrai large and mid cap fund
Above SIP is good for long term or suggest another fund
Ans: » Good That You Have Started SIP Investing
– Long-term SIP investing is one of the better ways to create wealth.
– Your portfolio has exposure to large-cap, flexi-cap, multi-cap and mid-cap categories.
– This gives diversification across market segments.
» First Observation On Your Portfolio
– You currently have 9 mutual funds.
– For most investors, this is more than required.
– More funds do not automatically mean better returns.
– In fact, too many funds can create:
Portfolio overlap.
Duplicate stock holdings.
Difficulty in monitoring.
Lower portfolio efficiency.
» Areas Of Overlap
– You have multiple funds operating in similar spaces.
– There are more than one large-cap oriented funds.
– There are multiple large and mid-cap oriented funds.
– There are multiple diversified equity-oriented funds.
– Many of these funds may end up holding several common stocks.
– As a result, you may be carrying more schemes but not getting proportionately more diversification.
» What I Would Review
– Instead of adding more funds, I would first review:
Performance consistency.
Portfolio overlap.
Fund manager stability.
Risk-adjusted returns.
Category allocation.
– Portfolio quality matters more than the number of funds.
» A Simpler Portfolio Can Be Better
– For long-term investing, a compact portfolio is often easier to manage.
– A combination of:
Flexi-cap exposure.
Large and mid-cap exposure.
Mid-cap exposure.
Multi-cap exposure.
– Can itself provide adequate diversification.
– There may not be a strong need for several funds from similar categories.
» About Directing Future SIPs
– Before starting any new fund, analyse whether it adds something different to the portfolio.
– If a new fund is buying similar stocks, it may not improve diversification.
– Many investors keep adding funds every year.
– Eventually they end up with 15-20 funds.
– This often creates confusion rather than better returns.
» Long-Term Wealth Creation Factors
– More important than selecting another fund:
Continue SIPs regularly.
Increase SIP amount whenever income rises.
Review annually.
Avoid reacting to short-term market corrections.
Stay invested through market cycles.
– These factors usually contribute more to wealth creation than frequent fund changes.
» Finally
– Your current portfolio is broadly diversified and suitable for long-term investing.
– My concern is not fund quality.
– My concern is the number of funds and category overlap.
– Rather than adding another fund, consider simplifying the portfolio over time.
– A focused portfolio with fewer well-selected funds is often easier to track and can be equally effective for long-term wealth creation.
– Review overlaps carefully before making any fresh additions.
Best Regards,
K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/
(more)
– Long-term SIP investing is one of the better ways to create wealth.
– Your portfolio has exposure to large-cap, flexi-cap, multi-cap and mid-cap categories.
– This gives diversification across market segments.
» First Observation On Your Portfolio
– You currently have 9 mutual funds.
– For most investors, this is more than required.
– More funds do not automatically mean better returns.
– In fact, too many funds can create:
Portfolio overlap.
Duplicate stock holdings.
Difficulty in monitoring.
Lower portfolio efficiency.
» Areas Of Overlap
– You have multiple funds operating in similar spaces.
– There are more than one large-cap oriented funds.
– There are multiple large and mid-cap oriented funds.
– There are multiple diversified equity-oriented funds.
– Many of these funds may end up holding several common stocks.
– As a result, you may be carrying more schemes but not getting proportionately more diversification.
» What I Would Review
– Instead of adding more funds, I would first review:
Performance consistency.
Portfolio overlap.
Fund manager stability.
Risk-adjusted returns.
Category allocation.
– Portfolio quality matters more than the number of funds.
» A Simpler Portfolio Can Be Better
– For long-term investing, a compact portfolio is often easier to manage.
– A combination of:
Flexi-cap exposure.
Large and mid-cap exposure.
Mid-cap exposure.
Multi-cap exposure.
– Can itself provide adequate diversification.
– There may not be a strong need for several funds from similar categories.
» About Directing Future SIPs
– Before starting any new fund, analyse whether it adds something different to the portfolio.
– If a new fund is buying similar stocks, it may not improve diversification.
– Many investors keep adding funds every year.
– Eventually they end up with 15-20 funds.
– This often creates confusion rather than better returns.
» Long-Term Wealth Creation Factors
– More important than selecting another fund:
Continue SIPs regularly.
Increase SIP amount whenever income rises.
Review annually.
Avoid reacting to short-term market corrections.
Stay invested through market cycles.
– These factors usually contribute more to wealth creation than frequent fund changes.
» Finally
– Your current portfolio is broadly diversified and suitable for long-term investing.
– My concern is not fund quality.
– My concern is the number of funds and category overlap.
– Rather than adding another fund, consider simplifying the portfolio over time.
– A focused portfolio with fewer well-selected funds is often easier to track and can be equally effective for long-term wealth creation.
– Review overlaps carefully before making any fresh additions.
Best Regards,
K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/