Ulhas Joshi

Answered on Apr 19, 2024

Question by Naveen - Apr 17, 2024Hindi

I am 42 yrs old and started investing in MF from last month only, Icici Prudential Nifty 50-20k, parag parikh Flexi - 12k, Nippon small cap-8k. Is the MF selection good or need some changes from a long term perspective around 10 yrs.

Ans: Hi Naveen, assuming that you are fine with the risks of equity & as your horizon is long, you can invest in these funds.

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Answered on Apr 12, 2024

Asked by Anonymous - Apr 12, 2024Hindi

sir we have been investing in Mutual Funds for last 12 years in various types of funds Now value is 1cr pls advise if we should continue investing or move them to less risk funds and start afresh Our goal is 3cr for retirement which is 12 years from now

Ans: Hello & thanks for writing to me. I commend you for investing thru various market cycles & investing with discipline in mutual funds for creating wealth for the long term.

I am assuming that all investments are currently in equity funds. As your goal is around 12 years away, I would recommend you continue to invest in equity funds & stay invested in them for around 5 to 6 years. After 5-6 years, you can stop SIP's in equity funds & start investing in hybrid funds like aggressive hybrid funds, balanced advantage funds etc. Over time, with proper guidance you can consider rebalancing your portfolio in a mix of equity & hybrid funds to achieve an optimal balance for you.

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Answered on Apr 05, 2024

Question by K - Mar 23, 2024Hindi

Hello Mr. Ullhas Joshi, I write to seek your expert advice, I am expecting an amount of Rs. 40 Lacs in the next 2 months from sale of property. I wish to invest 40 lac lumpsum in mutual fund for the next 40 to 45 years with an aim to start an SWP of Rs. 25k/pm after about 12-15 months with an annual incremental of 5% to offset the inflation. Request your advise whether it is feasible and as to how many funds should i invest, and which of the funds to invest in with how much amount each. Thanking you in advance, regards, K Basu, Kolkata

Ans: Hello Mr.Basu & thanks for writing to me. As you are expecting a corpus of Rs.40 lakh in the next few months, you can consider making an investment in a BAF/DAAF inMulti Asset Allocation Fund.

Assuming your corpus grows to 44 Lakh in 12 to 15 months, & you begin a SWP of 3 Lakh per annum which comes to around 7% annual withdrawal and assuming that the corpus continues to grow at around 11%, it will be feasible for you for a long duration.

I recommend you speak to a financial planner who can understand your own needs so that they can create a customized plan for you.

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Answered on Mar 27, 2024

Question by Prateek - Mar 24, 2024Hindi

Hello Ulhas, I am 33 years and I want to start investing in MF with amount 25k per month till next 10-15 years so that I can get a good corpus for my child's education and also retirement . I am also planning to increase the amount each year for this . Can you please help in which type of funds should I invest ( also the company if possible) and how much amount should I increase each year.

Ans: Hello Prateek & thanks for writing to me. As your goal is long term, you can consider investing in equity schemes for around 10 to 12 years, stop your SIP's in equity funds & begin SIP's in balanced advantage funds & multi asset funds for the remainder 3 to 4 years.

You can invest in a mix of

1-Flexicap Funds: 50% of your investible corpus.
2-Multicap Funds:25% of your investible corpus.
3-Midcap Funds: 12.5% of your investible corpus.
4-Smallcap Funds:12.5% of your investible corpus.

Asked on - Apr 05, 2024 | Answered on Apr 05, 2024

Dear Ulhas , Thanks for your suggestion and apologies for replying late. When you mentioned to do SIP in remaining 3-4 years , is it after 10-12 years in equity or is it 6-7 years in equity and then 3-4 years of other funds ? Also can you tell me how much should I step up every year in the SIP amount so that I can get a target corpus of atleast 4-5 Crs as retirement fund and same for child education as well. You suggested the division of amount in MF category , can you please suggest MF in these category , I know past performance in not indicative of future but still it gives an approx. Idea . Best Regards, Prateek

Ans: Hi Prateek & thanks for writing back.

As your goal is to invest for 15 years, I recommend that for the first 10 to 12 years, you invest via SIP's in equity funds. Then, you pause your investments in equity funds & begin SIP's in balanced advantage funds & multi asset funds for the remainder 2-3 years.

You can consider beginning SIP's in:

1-Parag Parikh Flexicap Fund
2-Samco Flexicap Fund
3-Axis Flexicap Fund
4-SBI Multicap Fund
5-Canara Robeco Multicap Fund
6-Kotak Emerging Equity Fund
7-Tata Smallcap Fund

Do note that if you share other details, I may recommend other schemes. Periodic rebalancing is essential to ensure you are on the right track.

Asked on - Apr 06, 2024 | Answered on Apr 08, 2024

Hello Ulhas, Thanks for the suggestions but what other details are you referring that I should share. This periodic rebalancing should happen at what interval - monthly/quarterly/yearly. And how can you get an idea that rebalancing is required ? Best Regards, Prateek

Ans: Hi Prateek, other details can include what amount/percentage of annual step-up you can do to your SIP's, whether your financial goals & objective change during the course of the investment journey & whether you make any redemptions midway.

Annual or 6 monthly rebalancing is generally good enough.

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Answered on Mar 15, 2024

Asked by Anonymous - Feb 22, 2024Hindi

Pls suggest a few mutual fund sectors for investing 10 lakhs in SIP for a investment period 20-25 years.

Ans: Hello and thanks for writing to me. As you want to invest for a duration of over 20 years investing in sectoral or thematic funds may be counterproductive as specific sectors of the economy can have long periods of underperformance & it is difficult to predict which particular sector will see outperformance.

You can consider investing in funds that can invest across sectors & themes like flexi cap funds, multi cap funds, value funds, momentum funds and so on. In these funds, the fund managers have discretion to invest as per their understanding of the market cycle.

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Answered on Mar 15, 2024

Question by Sujit - Mar 03, 2024Hindi

Let me give suggestion about where Can I spend lump some or sip in tata nifty midcap 150 momentum 50 fund or uti 150 midcap quality 50,Nippon nifty 50 value 20 (like liquid fund) Bandhan nifty alpha 50 fund or axis midcap 50 fund which would be better return after 3- 5 years and which would be risk less?

Ans: Hello Sujit & thanks for writing to me. Barring Axis Midcap 50, the others are strategy index funds that select stocks that meet certain conditions like momentum, value etc. As they are all equity funds, you will face the volatility that is associated with others.

As your horizon is 3 to 5 years, you can consider investing equally in a mix of these funds.

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Answered on Mar 07, 2024

Question by Masroor - Feb 02, 2024Hindi

Hello Ulhas, I am 36 years old and I am currently investing around 1 lakh per month distributed among these Mutual funds . Quant small cap , ICICI prudential technology, ICICI prudential commodities, HDFC flexi cap .. Wanted to understand if I shall continue with these funds or change my allocation.. I am looking for atleast 6-7 years

Ans: Hello Masroor & thanks for writing to me. All the funds you invest in are good funds, however I notice that you are investing in 2 thematic/sectoral funds, ICICI Prudential Technology Fund & ICICI Prudential Commodities Fund.

Thematic/sectoral funds are dependent on the market cycles and may not be suitable at all times for all investors. If you are confident about your understanding of the themes, you can continue investing in these funds. If you are not confident, then you can consider pausing SIP's in these schemes & instead invest in ICICI Prudential Mid cap fund & SBI Blue Chip Fund.

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Answered on Mar 07, 2024

Question by Bharat - Mar 01, 2024Hindi

Hello Ulhas joshi sir, All our corpos mostly 90% is in debt(in the form of FDR's, SSSC, LIC etc) and rest 10% in MF and ULIP. I am 32 years and my mother is 61 years. I am working professional in tier 2 city and mother is retired from government job. I am seeking a financial advice to balance out the investments in debt and want some exposure in equity by investing through MF's. We have a total of 3 cr in debt and approx 40 lacs in equity market. Please suggest us the suitable mix so that our corpus would also grow and expenses would also meet out. Our total expenses per month would be around 35 K. Please also suggest the names of mutual funds to start investing?? Regards, Bharat Manik

Ans: Hi Bharat & thanks for writing to me. I am assuming that you are able to cover your living expenses from your salary & Mothers' pension.

Assuming that you are fine with the risks of equity, you can consider rebalancing your portfolio from the debt tilt to equity tilt.

You can consider investing around 1 Crore in mutual funds, at the below allocation:

1-Small Cap Funds: 10%
2-Mid Cap Funds : 10%
3-Large Cap Funds:15%
4-Flexi Cap Funds:15%
5-Balanced Advantage Funds/Dynamic Asset Allocation Funds: 25%
6-Multil Asset Allocation Funds:25%

The investment in pure equity funds (points 1 to 4) will help your corpus grow but with higher volatility & the BAF/DAAF & Multi Asset Allocation Funds can provide relative stability to your portfolio.

I recommend you to meet a financial planner who can understand your needs & goals to craft a detailed plan for you.

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Answered on Mar 05, 2024

Asked by Anonymous - Feb 22, 2024Hindi

Hi. Pls suggest a few mutual fund sectors for investing 10 lakhs in SIP for a investment holding period 20-25 years. Thanks.

Ans: Hello and thanks for writing to me. As your investment horizon is long term, you can consider investing in a mix of flexi cap funds, small cap funds & mid cap funds.

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Answered on Mar 05, 2024

Asked by Anonymous - Mar 04, 2024Hindi

My wife wants to invest in mutual funds for long term for more than 10 years. Her Age is 39 years and her risk profile is high. Currently she has SIP of Rs 2000 in ICICI Prudential Equity & Debt Fund. She further wants to do additional SIP of Rs 5000. In this current market volatility, pls suggest some good funds.

Ans: Hello & thanks for writing to me.

ICICI Prudential Equity & Debt fund is a good fund, that invests in both, equity & debt. Given that your risk profile is high & investment horizon is 10 years, you can consider stopping investing in this fund & instead start SIP's in ICICI Focused Equity Fund.

For the other Rs.5,000, you can start SIP's of Rs.2,500 each in DSP Top 100 Fund & Kotak Emerging Equity Fund.

Periodic rebalancing is essential to ensure that you are on the right track.

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Answered on Mar 01, 2024

Asked by Anonymous - Feb 01, 2024Hindi

I am 47 years and have my wife and three children Want to invest 5 lac monthly on mutual fund What is the expected amount of return in the next 10 years and 15 years and 20 years

Ans: Hello & thanks for writing to me. There are no definite guarantees when investing in mutual funds, however, historical data suggests that investing thru mutual funds tends to generate better returns in long time frames of 10, 15 & 20 years when compared to other avenues of investments.

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Answered on Mar 01, 2024

Question by Ravi - Mar 01, 2024Hindi

Hi ...deve ... This is Ravi kumar... Age 33. Am doing SIP of Rs. 5500. Now i want increase SIP upto 10,000. My portfolio is 1. UTI nifty 50- 1000 2.Canera Robeco blue chip -1000 3. Quant small cap -1500 4.Parag parikh Flexi cap -1000 5.Sbi small cap -1000 Am need to take another funds or any corrections in my portfolio... Plz give me suggestion.

Ans: Hello & thanks for writing to me. The funds you invest in are good funds & you can consider increasing your investment amounts to these funds.

I am assuming that you are fine with the risks of volatility & are investing for the long term. If you mention your goals & risk appetite, I may recommend other schemes.

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Answered on Feb 29, 2024

Asked by Anonymous - Jan 30, 2024Hindi

What is the best Elss Fund for tax saving as well as maximum return

Ans: Hello and thanks for writing to me.

It is difficult to predict the best performing fund over a period, however, given that ELSS funds carry a 3 year lock-in, you can consider investing in a combination of:
Samco ELSS Tax Saver Fund
Kotak ELSS Tax Saver Fund
ABSL ELSS Tax Saver Fund

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Answered on Feb 27, 2024

Question by DN - Feb 22, 2024Hindi

Hello Ulhas, I would like to invest a lumpsum amount of 50 Lakhs into Mutual Funds. I am looking at the next 15 years as growth in Real Estate market has stagnated and the returns are around 3%. Please suggest best steps to grow this number over the next 15 - 20 years to secure a decent amount by the time I reach retirement.

Ans: Hello & thanks for writing to me. As you have a lumpsum amount that you wish to invest over a 15 year horizon, you can consider start systematic plans in a mix of smallcap, midcap & large cap funds for 10 years and then move some part of the corpus into balanced advantage/dynamic asset allocation funds & multi asset allocation funds.

You can for the systematic transfer plan route by first investing the money in liquid or overnight funds and switching it into the equity scheme over a period of 1 year.

Periodic rebalancing is essential to ensure you are on the right track.

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Answered on Feb 22, 2024

Question by Yogeshwari - Feb 10, 2024Hindi

Hai sir, i am yogeshwari. I want to invest 30k every month in Sip for 10 yeaes to achieve 1 crore. Kindly suggest some good mutual fund. Already i am investing in 1.uti index fund - rs.1500, 2. Quant small cap fund -rs.1500 and edelweiss large and midcap index fund - rs.1500

Ans: Hello Yogeshwari & thanks for writing to me. Assuming you are able to generate XIRR of 12%, you need to invest around Rs.45,000 ever month to create a corpus of 1 Crore in 10 years.

By investing Rs.30,000 every month, you will be able to generate the Rs.1 Crore corpus in around 13 years.

You can consider investing around 20% of your monthly investments in multi cap funds, 40% in small cap funds & 40% in mid cap funds. Investing in small & mid cap funds can be more volatile but these funds also have the ability to generate higher returns when compared to large cap funds.

After around 5 to 6 years, you can stop your SIP's in the above funds and invest in a mix of large cap funds & hybrid funds, which may generate potentially lower returns as compared to small & mid cap funds but also reduce volatility in your portfolio.

Note that the above suggestions are written assuming that you are comfortable with the volatility associated with different asset classes.

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Answered on Feb 21, 2024

Question by Akshay - Dec 12, 2023Hindi

Hello sir, Akshay here i have below sips per month...can you please advise i m on correct path 1. ICICI prudential value discovery 5k 2. Hdfc balanced advantage 5k 3. Nippon india multicap 5k 4. Parag parikh flexi cap 3k 5. Mirae asset emerging bluechip 2k

Ans: Hello Akshay and thanks for writing to me. The funds you mention are good funds to invest in. Please state your objectives, risk appetite and horizon for me to make a recommendation.

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Answered on Feb 16, 2024

Question by Rajesh - Oct 18, 2023Hindi

Ans: Hello Rajesh & thanks for writing to me. I see lots of funds in your portfolio across multiple categories.

As your horizon is around 5 to 7 years, you can consider reducing exposure to pure equity funds and allocate higher amounts to hybrid funds like balanced advantage funds or multi asset/dynamic asset allocation funds.

I recommend you talk a financial planner who can understand your needs in depth to make a suitable plan for you.

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Answered on Feb 16, 2024

Question by Biswajit - Nov 20, 2023Hindi

I have been investing for two years in ICICI Opportunities Fund and ICICI Transportation and Logistics Fund.Will it be fruitful to continue with this two for next eight years? If not please advise.

Ans: Hello Biswajit & thanks for writing to me. ICICI Prudential Opportunities Fund is a thematic fund invests in special situations like corporate restructuring, policy changes & ICICI Prudential Transportation & Logistics Fund invests in companies that are in the transport & logistics sector. These are both good funds.

When investing in the Transport & Logistics theme, you need to understand that in case of sectoral & thematic funds, you may face some period of underperformance and outperformance & you need to be able to gauge the sectoral structure of the industries before making an informed decision.

I recommend you meet a financial planner who can understand your own preferences, risk appetite & goals to recommend a portfolio of mutual funds that suit you.

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Answered on Feb 15, 2024

Question by Prabhakkar - Jan 31, 2024Hindi

Hi Please let me know about PGIM small cap find and sundaram large cap fund for long term investment for a period of 15 years?

Ans: Hello Prabhakkar & thanks for writing to me. The funds you quote are good funds and you can consider investing in them. If you state your objectives, risk appetite & other details, I may recommend other schemes.

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Answered on Feb 15, 2024

Asked by Anonymous - Feb 08, 2024Hindi

I am SIP INVESTOR with MOTILAL FLEXI CAP FUND- REGULAR ,investing from last 84 months at Rs.2000/ month

Ans: Hello and thanks for writing to me. It is good that you have the discipline to start and continue your SIP 7 years, thru multiple market cycles.

Please state your objectives, risk appetite for me to make a recommendation.

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Answered on Jan 29, 2024

Question by AJITH - Jan 15, 2024Hindi

Sir. Myself Ajith thomas aged 45.presently investing Rs 2500 as SIP in canara robeco equities regular growth since 10 months. Would like to invest another Rs 2500 as sip. Myself a State govt employee retiring at 60 yrs of age. Two daughters aged 13 and 8.would like to create a wealth corpus for their education marriage purposes and post retirement. Pls suggest suitable mutual funds to invest in. Need your expert opinion.

Ans: Hi Ajith and thanks for writing to me. As your time horizon is long, you can consider investing in Equity funds. You can consider starting your second SIP in SBI Focused Equity Fund. Assuming that your investment grows at 12% XIRR, investing Rs.5,000 over the next 10 years will help you create a corpus of around 7 Lakh.

For achieving your goals of child education & their marriage, I recommend you seek professional advice from a financial planner who can also put into perspective your other savings and create a comprehensive plan for you.

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Answered on Jan 29, 2024

Question by Shawn - Jan 28, 2024Hindi

Hello Ulhas ji, I am 27 yrs old with monthly salary of 32k and would like to invest in mutual funds. Currently I am investing in lumpsum White Oak fund but it is not giving sufficient returns. Please suggest where should I invest 8k monthly other than above fund. My investments will be for 6-8 yrs with 5-8% increase every year

Ans: Hi Shawn & thanks for writing to me.

As I understand it, you are currently investing for a 6 to 8 year time horizon. You can consider investing in a mix of multi asset funds & balanced advantage funds which invest across a mix of asset classes with the potential to reduce volatility.

If you share your risk appetite and other details, I may make other recommendations.

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Answered on Jan 25, 2024

Question by Shudhanshu - Dec 02, 2023Hindi

I am 19 th aged now and wants to retire with 10 cr at 35 age please suggest my investment instruments allocation

Ans: Hello Sudhanshu & thanks for writing to me.

To create a corpus of Rs.10 Crore, you will need invest Rs.1.75 Lakh every month over the next 16 years to create your corpus. You can consider investing in a mix of small & mid cap funds for the first 10 to 12 years & then invest in a mix of large cap funds & hybrid funds that can offer stability to your portfolio.

Periodic rebalancing is essential to ensure you are on the right track.

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Answered on Jan 20, 2024

Question by Asgar - Jan 18, 2024Hindi

I am 33 years old,want to invest lumpsum 3L and 10k monthly sip for 10 to 15 years at current market time which mutual fund is best,please suggest me?

Ans: Hi Asgar & thanks for writing to me. I am assuming that you are looking to invest for long term wealth creation & are fine with the volatility associated with equity mutual funds.

1-Invesco India Focused 20 Equity Fund
2-SBI Focused Equity Fund
3-Templeton India Equity Fund
4-Kotak Nifty 200 Momentum Fund
5-DSP Top 100 Equity Fund

You can make lumpsum investments equally in these schemes & begin SIP's of equal amounts in them.

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Answered on Jan 17, 2024

Question by Sumit - Jan 17, 2024Hindi

At present which mutual fund is best for Lumpsum for next 10 yrs? Also suggest for best ELSS fund for next 5-10 yrs?

Ans: Hello Sumit & thanks for writing to me. It is difficult to predict the best mutual fund but as your horizon is long, I would recommend you look at pure equity funds.

Similarly, it is difficult to predict the best ELSS fund. As you wish to invest in ELSS funds, you can consider investing equally in a basket of ELSS funds like the Parag Parikh ELSS Tax Saver Fund, Franklin India ELSS Tax Saver Fund & ICICI Prudential Tax Saver Fund.

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Answered on Jan 16, 2024

Question by Rabindra - Jan 08, 2024Hindi

I am 66 can I invest Rs.5,000/- SIP with stepup 10% you. to Mirae Asset Emerging Bluechip Fund - D/Plan - Growth. Let me know your decision.

Ans: Hello Rabindra & thanks for writing to me. Mirae Asset Emerging Bluechip is a good fund and you can consider investing in it provided it fits your objectives & risk profile.

If you share your risk appetite & objectives, I may recommend other schemes.

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Answered on Jan 10, 2024

Question by Dharmendra - Jan 10, 2024Hindi

16k in MF From 2022 Nippon Small cap 3k HDFC L&M 2K SBI Contra 2k SBI Focused 1k ICICI L&M 2K Kotak emerging 2k Kotak manufacturing 2k HDFC Flexi cap 2k Now give suggestions regarding correction and adding of 10 K extra pm

Ans: Hello Dharmendra and thanks for writing to me. You have created a diversified mix of equity funds to invest in and you can consider stepping up your investments in the same schemes, instead of adding newer schemes.

I am assuming that you are looking to invest for a long term horizon and are fine with taking the risks associated with equities.

If you share other details like your time horizon, your risk appetite and goals, I may recommend other schemes or changing your allocation mix to suit your own goals.

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Answered on Jan 10, 2024

Asked by Anonymous - Jan 09, 2024Hindi

I invest my money in SIPs via a money manager in Pune. Is my money safe?

Ans: Hello and thanks for writing to me. If you are investing in mutual funds, the fund houses will give you periodic updates on your investments by sending your SMS's & emails on your investments, and you can always know the current value of your investments by visiting the mutual fund website & generating your statement of account.

Mutual funds are a very well regulated business and there are stringent compliances that all mutual funds follow.

If you are worried about the risks of investing in mutual funds & impact of market fluctuations, you can consider discussing this with your money manager who may recommend schemes that suit your needs.

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Answered on Jan 05, 2024

Question by YOUSUF - Jan 04, 2024Hindi

I want to invest Rs. 150000 in MF for 5 years. Please suggest in which MF is given high profit ?

Ans: Hello Yousef, and thanks for writing to me. It is difficult to predict which fund can give high profits, but based on your time horizon of 5 years, you can consider investing in a mix of balanced advantage funds, multi-asset allocation funds that invest in a mix of asset classes and can potentially reduce the volatility of pure equity schemes.

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Answered on Jan 05, 2024

Question by Biswaranjan - Jan 05, 2024Hindi

I am 50yrs old . Have never invested in life. Earn around 60000 PM. where to start investment as a beginner.

Ans: Hello and thanks for writing to me. I am assuming that you are looking to invest for retirement and long term wealth creation.

As you are at 50 years, you can consider starting SIP's in a mix of multi-asset allocation funds and balanced advantage funds. These schemes invest in a mix of assets and can reduce volatility.

If you can share other relevant details like your risk taking appetite and your horizon, I may recommend another mix of funds.

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Answered on Dec 28, 2023

Asked by Anonymous - Dec 27, 2023Hindi

Is it advisable to invest lumpsum amount in 1 fund or different funds

Ans: Hello & thanks for writing to me. Please provide details like your age, investment horizon & risk tolerance for me to suggest fund or funds that you can consider investing in.

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Answered on Dec 27, 2023

Question by Prakash - Dec 27, 2023Hindi

I have an amount of 5 lakh to invest in MFs with a time horizon of 15 years, kindly suggest an agressive portfolio.

Ans: Hello Prakash and thanks for writing to me. As you have a time horizon of 15 years and want an aggressive portfolio, you can consider investing Rs.1 Lakh in each of the below schemes:

1-Edelweiss NIFTY 100 Quality 30 Index Fund
2-SBI Focused Equity Fund
3-DSP Quant Fund
4-UTI Flexi Cap Fund
5-Tata Ethical Fund

Do note that periodic rebalancing is essential to ensure you are on the right track. You can consider talking to a financial planner who will help you plan your finances.

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Answered on Dec 26, 2023

Asked by Anonymous - Dec 18, 2023Hindi

Hi Sir, I have done SIP from past 1 year. Don't know that portfolio is right or wrong. Need your financial advice and suggestions for my future planning. Please guid on the same sir. Thank in advance

Ans: Hello and thanks for writing to me. Please specify in the scheme in which you have an SIP & your objectives for me to be able to make a recommendation.

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Answered on Dec 26, 2023

Asked by Anonymous - Dec 23, 2023Hindi

Gud Afternun Ulhas, I have a question regarding the choices of my 5 selected mutual funds. I have filtered them out considering diversification of scheme type , across AMCs & their performances in the long term. They are - Mirae Large cap fund, Nippon India multicap, HDFC flexicap, Kotak BAF and Quant small cap. Please suggest if they are okay for 15 years timefrae. I plans to 40k per month split into SIPs of these funds. Kindly suggest right percentage that I can consider allocating to each scheme type. Thank you.

Ans: Hello and thanks for writing to me. As you mention that your timeframe is 15 years, I am assuming that you do not require funds in the 15-year time period.

If this is the case, you can consider investing in a pure equity fund instead of a balanced advantage fund. Balanced advantage funds invest in a mix of debt and equity and as such can deliver returns less than pure equity funds. As your investment horizon is long at 15 years, you can consider starting an SIP in Kotak Emerging Equity or another mid cap fund.

Asked on - Dec 26, 2023 | Answered on Dec 29, 2023

Thank you for your reply. The reason I included a BAF ,to the list, despite a 15 year horizon , was to add some cushion to portfolio on account of any global shocks, recession, war like scenario if arises. Would it not be prudent to add atleast one multi asset fund or a BAF that will spread the risk better instead of just aiming for returns. ....Am I correct in such thinking or am I wrong as such the risks might well be mitigated via SIP in this 15yr tenure? please advice. Thank you

Ans: Thank you for explaining your rationale. In my opinion, as your time horizon is 15 years, then you can consider investing in an equity scheme, for around 10 years and then start an SIP in a BAF after the 10 year tenure.

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Answered on Dec 26, 2023

Question by Rinkuraj - Dec 18, 2023Hindi

Sir I want to one time invest on MF . which MF is best for one time invest?

Ans: Hello Runkuraj and thanks for writing to me. It is difficult to predict the best performing fund. If you share details like your investment horizon, risk appetite and objectives, I may be able to suggest some schemes.

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Answered on Dec 22, 2023

Asked by Anonymous - Dec 19, 2023Hindi

I was doing a sip in quant small cap fund bt suddenly stopped as some mf advisor told me it is quite aggressive... Now i started a sip in kotak small cap fund on his advice.. Am i right... Or should i continue former one. Plz suggest

Ans: Hello and thanks for writing to me.

Small cap funds are good choices if your time horizon is long & you are fine with bearing the risks of investing in small cap funds.

Both Kotak Small Cap Fund & Quant Small Cap Fund are finely managed funds with different fund management styles. You can consider evaluating the portfolios with other relevant documents of each scheme to understand which scheme suits you best.

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Answered on Dec 14, 2023

Question by JOYDEEP - Nov 28, 2023Hindi

what can be best possible Mutual fund in Equity linked tax savings scheme with high returns. minimum 12 years investment.

Ans: Hello Joydeep and thanks for writing to me. It is difficult to predict the best performing fund. You can consider investing in a basket of 3 to 4 ELSS funds & rebalance periodically to ensure you are on the right track.

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Answered on Dec 14, 2023

Question by Sunil - Nov 27, 2023Hindi

Hie sir i am 45 yr approaching. I have two lic policies, one ppf account, few small short term FDs and one ulip policy. I would like to invest in mutual funds for my own financial needs after 65 years of age. Can i invest on my own in mutual funds. If yes what is the best way . I have zero knowledge about how mutual funds work and which funds are best yo go ahead, please advise. SK

Ans: Hello Sunil & thanks for writing to me. You have a long term horizon of around 20 years that you can utilize to make investments.

As you do not have much idea about mutual funds, I recommend you can consider taking advice from a financial advisor who can help you plan your finances & help you make choose funds and other instruments that are suitable for you based on your own individual needs.

It is possible to invest in mutual funds by yourself, but you may not be able to achieve your goals or rebalance your portfolio on time.

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Answered on Dec 14, 2023

Asked by Anonymous - Dec 14, 2023Hindi

Hi Ulhas, I am investing 18k through SIP in the following Funds. 3k-Quant small cap, 3k-Nippon Small cap, 2k-HSBC Foccused fund, 2K-Quant Multi Asset, 3k-Tata Digital India fund, 2k-Axis ELSS Tax Saver, 3k-Aditya Birla sun life Liquid Fund. All Direct Funds. Investment Horizon - 15 to 20 Years. Goal - Wealth Creation, Risk Appetite- High. Please advise if I should pause or continue with these mutual funds.

Ans: Hello & thanks for writing to me.

I notice that you are investing in ABSL Liquid Fund. Liquid funds are debt investments that invest in debt & money market securities expiring in 91 days. This SIP is not in line with your objective of long term wealth creation. You can consider stopping SIP in this fund, redeem the investment in the fund & invest in other equity schemes.

The other schemes you invest in are good schemes and you may continue your SIP's in those schemes. Note that periodic rebalancing is essential to ensure you are on track to achieve your goals.

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Answered on Dec 14, 2023

Question by Mayur - Dec 14, 2023Hindi

Hello Sir, I want to make investment of rs.1500 per month into Mutual Funds through SIPs for a period of 10 years request you to recommend your suggestions for the purpose. , How to invest in mutual funds by online or some broker.

Ans: Hello Mayur & thanks for writing to me.

As your investment tenure is long term, you can consider starting SIP's in below equity funds:

1-Edelweiss NIFTY 100 Quality 30 Index Fund: Rs.500
2-DSP Quant Fund: Rs.500
3- UTI Flexi Cap Fund: Rs.500

You can invest in mutual funds thru a mutual fund distributor or several applications available online or on the mutual funds' website. Stepping up your SIP's every year by 10% or more will help you create a larger corpus.

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Answered on Dec 11, 2023

Asked by Anonymous - Dec 08, 2023Hindi

Hello Sir, I want to make investment of rs.25000 per month into Mutual Funds through SIPs for a period of 10 years to 15 years, request you to recommend your suggestions for the purpose.

Ans: Hello and thanks for writing to me. As your goal is long term & assuming that you are fine with taking risks, you can consider starting SIP's of Rs.5,000 each in:

1-Edelweiss NIFTY 100 Quality 30 Index Fund
2-DSP Quant Fund
3-SBI Focused Equity Fund
4-UTI Flexi Cap Fund
5-Tata Ethical Fund

Do note that periodically rebalancing your portfolio is essential to ensure you are on the right track. Stepping up your SIP's every year will help you reach your goals faster.

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Answered on Dec 08, 2023

Question by Vijay - Jul 04, 2023Hindi

Dear Sir, I am 26 years old (still single) and have net salary of 50000 per month. Since I am living with my parents a considerable amount of my salary is saved on monthly basis. With a long term view of 20-25 years I have already started investment through SIP in Kotak Small Cap Fund and PPFAS (Rs.5100.00 each per month). I want to invest more (about 10000-15000 per month). Kindly suggest in which asset I should start investing. If it is MF, kindly also suggest scheme(s). Thanks & regards.

Ans: Hello Vijay and thanks for writing to me. I discuss only mutual funds. As you wish to invest a higher corpus, you can consider starting SIP's of Rs.5,000 each in:

1-DSP Quant Fund
2-Edelweiss NIFTY 100 Quality 30 Index Fund
3-SBI Focused Equity Fund

I am recommending these funds assuming you are fine with the high risk of equity investments and your horizon being long term. If you share your goals, horizon and risk appetite, I may recommend other funds.

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Answered on Dec 08, 2023

Question by Sanjeev - Dec 07, 2023Hindi

Hi, I am investing 5K in HDFC Small cap, 2.5K in HDFC Midcap, 5K in HDFC infrastructure fund, 2.5K in Union small cap, 5k in Aditya Birla pharma and healthcare, 5K in ICICI Pru Small cap, 5K in IIFL focused fund monthly (Total of 30K/month). Is the fund selection good enough to generate 1CR in 10yrs?

Ans: Hello Sanjeev and thanks for writing to me.

I notice that you are investing in 2 thematic funds, ABSL Pharma & Healthcare and HDFC Infrastructure fund. Performance of thematic funds depends can be subject to economic shocks and tailwinds of the particular sector. You can consider pausing investments in these funds increase investment allotments to the other funds.

Assuming that you are able to generate 12% XIRR returns, you will need to increase your investment to Rs.44,000 every month.

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Answered on Nov 22, 2023

Question by Pawan - Mar 28, 2023Hindi

I have Reliance equity mutual fund,asking for hold,exit or add?

Ans: Hello Pawan and thanks for writing to me. Please elaborate in which scheme you have made an investment in and your goal for it.

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Answered on Nov 21, 2023

Asked by Anonymous - Nov 19, 2023Hindi

Hello Sir. I am investing via SIP in Parag Parikh Flexi Cap Fund (15k), PGIM Flexi Cap (5k), UTI Nifty50 (10k), Kotak Emerging Equity (5k), Motilal oswal Midcap (6k), Tata Small Cap (4k) all in Direct growth. Please review my funds.

Ans: Hello and thanks for writing to me. I am assuming that you are investing for the long term for wealth creation and are fine with taking risks.

For that goal, the fund selection is fine, but you can consider reducing the investment in the NIFTY 50 passive to Rs.5,000 and start an SIP of Rs.5,000 in a multi cap fund.

Do note that periodic rebalancing is essential to ensure that you are on the right track. Stepping up your SIP's every year will help you create a larger corpus.

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Answered on Nov 21, 2023

Asked by Anonymous - Nov 20, 2023Hindi

I am investing in aditya birla retirement 50 and axis focused 25 fund should I continue or exit

Ans: Hello and thanks for writing to me. The funds you invest in are good funds.

If you state your objectives and risk appetite, I may share other schemes based that may be suitable for you.

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Answered on Nov 16, 2023

Asked by Anonymous - Nov 15, 2023Hindi

Hi sir, i want to invest 10k per month in mutual funds. Please suggest.

Ans: Hello and thanks for writing to me. You can consider starting monthly SIP's of Rs.2,000 each in:

1-Edelweiss NIFTY 100 Quality 30 Index Fund
2-SBI Focused Equity Fund
3-Canara Robeco Focused Equity Fund
4-Parag Parikh Tax Saver Fund
5-UTI Flexi Cap Fund

Note that the Parag Parikh Tax saver fund has a 3 year mandatory lock in and will also help you save taxes. I am assuming that you are looking to invest in mutual funds for long term wealth creation and are fine with taking the risks associated with equity mutual funds. If you provide other details like your age, goals and risk appetite, I may recommend other schemes.

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Answered on Nov 09, 2023

Asked by Anonymous - Oct 27, 2023Hindi

Is min investment of 500 one time in nfo sufficient to make wealth or do i need to invest little higher amount

Ans: Hello and thanks for writing to me. Please share your objectives and time horizon for me to make a recommendation.

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Answered on Nov 09, 2023

Asked by Anonymous - Nov 06, 2023Hindi

Dear Sir, I want to create a secondary retirement corpus. Accordingly, I want to invest 6 lakhs in the next one year (starting from Jan 2024). My investment period will be 20 years. Pls suggest 6-7 Mutual funds for the same. Thanks.

Ans: Hello & thanks for writing to me. I am assuming that you want to invest a lumpsum amount of Rs.6 Lakh in a few mutual fund schemes for the long term.

You can consider investing in:

1-DSP Quant Fund: Rs.1 Lakh
2-SBI Focused Equity Fund: Rs.1 Lakh
3-DSP Top 100 Equity Fund: Rs.1 Lakh
4-Tata Ethical Fund: Rs.1 Lakh
5-UTI Dividend Yield Fund: Rs.1 Lakh
6-Bandhan Nifty 100 Low Volatility 30 Index Fund: Rs.1 Lakh

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Answered on Nov 02, 2023

Question by G - Jul 14, 2023Hindi

I have 1 million in my bank and want regular income of 10k per month. Is it worth investing in SWP. If so, suggest the correct MFs

Ans: Hello and thanks for writing to me. You can consider investing in Balanced Advantage Funds or Multi Asset Funds. These funds invest in multiple asset classes like equities, debt and in the case of multi asset funds, REITS, gold and silver. As they invest in multiple classes, you can expect to see lower volatility.

Do note that there are no guarantees when it comes to investing in mutual funds. I recommend you consult a financial planner who can create a specific plan for you.

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