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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on May 17, 2022

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Biswajit Question by Biswajit on May 17, 2022Hindi
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Sir I am 26 years old now doing my job I have started investing in mutual fund from since 1year. I have invested in these MFs. Please review this funds can I invest on them for more 5-6 years? SHOULD I have to increase my SIP AMOUNTS in the existing MFs? PLEASE SUGGEST SOME MORE FUNDS TO INVEST FOR LONG TERM. 

1) TATA DIGITAL INDIA FUND DIRECT GROWTH - 1000

2) AXIS SMALL CAP FUND DIRECT GROWTH - 2000

3) ICICI PRUDENTIAL TECHNOLOGY DIRECT PLAN GROWTH – 2000

Ans: These are decent funds, please continue

Further you may consider a few of these funds:

- Axis ESG Fund - Growth

- Samco Flexi-cap Growth

- Parag Parekh Flexi cap Growth

- SBI Magnum Global Fund - Growth

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 29, 2019

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I am 32 and would like to know the following mutual funds are good or not as I am investing in them for more than 5 years around Rs 40,000 each month by SIP mode. Please suggest me if I have to change any.  UTI Transportation and Logistics Fund (dividend and growth both)  UTI Equity Fund (dividend and growth)  UTI Infrastructure Fund (growth)  UTI Midcap Fund (growth)  UTI MNC Fund (dividend) UTI Core Equity Fund (dividend)  UTI Value Opportunity Fund (dividend and growth)  UTI Arbitage Fund UTI Ultra Short-term Fund ICICI Pru India Value Opportunity Fund ICICI Value Discovery Fund ICICI Pru Equity and Debt Fund Please suggest as I am investing almost Rs 40,000 per month in SIP mode. Whether any change is required or not?  Also suggest the best funds for me as I am thinking for 12 to 20 years. Waiting for your valuable comments  
Ans:
Name of the Fund Name of the Fund RankMF Star Rating
UTI Transportation and Logistics Fund(dividend and growth both)     
Growth Equity - Sectoral Fund - Auto 2
Dividend Reinvestment Plan Equity - Sectoral Fund - Auto 1
Dividend Payout Plan Equity - Sectoral Fund - Auto 1
UTI Equity Fund (dividend and growth)     
Growth Equity - Multi Cap Fund 5
Dividend Reinvestment Plan Equity - Multi Cap Fund 5
Dividend Payout Plan Equity - Multi Cap Fund 5
UTI Infrastructure Fund (growth)  Equity - Sectoral Fund - Infrastructure 3
UTI Midcap Fund (growth)  Equity - Mid Cap Fund 2
UTI MNC Fund(dividend)    
Dividend Payout Plan Equity - Thematic Fund - MNC 2
Dividend Reinvestment Plan Equity - Thematic Fund - MNC 2
UTI Core Equity Fund (dividend)     
Dividend Payout Plan Equity - Large & Mid Cap Fund 1
Dividend Reinvestment Plan Equity - Large & Mid Cap Fund 2
UTI Value Opportunity Fund (dividend and growth)    
Growth Equity - Value Fund 4
Dividend Payout Plan Equity - Value Fund 3
Dividend Reinvestment Plan Equity - Value Fund 4
UTI ArbitageFund Hybrid - Arbitrage Fund 4
UTI Ultra Short-term Fund Debt - Ultra Short Duration Fund 5
ICICI Pru India Value Opportunity Fund Equity - Thematic Fund - Other 3
ICICI Value Discovery Fund Equity - Value Fund 2
ICICI PruEquity and Debt Fund Hybrid - Aggressive Hybrid Fund 5

You may continue with funds with 4 and 5 star rated, sector funds to be avoided and good funds in Multicap , Focused and Mid cap should be invested in.

Midcap: Suitable option considering quality and value for money at present levels is DSP Midcap and Axis Midcap

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap, Motilal Oswal Multicap 35

Focused: Suitable options considering quality and value for money at present levels are Axis Focused 25 and Motilal Oswal Focused 25

..Read more

Ramalingam

Ramalingam Kalirajan  |6675 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Question by ASHOK GUGGARI I am 60. I have been reading your replies on Rediff.com and getting a lot of information from them for investment in mutual funds. I need your precious opinion on the following mutual funds in my MF portfolio. Recently, I have started SIPs in SBI contra & small cap fund growth of Rs 5,000 per month in each. And iam having SIP in ICICI prudential india oprtunity and large and mid cap fund Rs 6000 in each. In icici prudential flexi fund invested Rs 13,00,000 one and half year back. Kindly advice whether to change or continue.. Ashok Guggari
Ans: Dear Ashok,

It's wonderful to hear that you've found valuable information in the responses provided. When it comes to managing your MF portfolio, it's essential to regularly review your investments to ensure they align with your financial goals and risk tolerance. Consider factors such as fund performance, investment strategy, and your own investment objectives.

Reflect on whether the funds you've chosen are still suitable for your current circumstances and long-term goals. Are they performing as expected, or are there better alternatives available? Remember, staying informed and proactive is key to optimizing your investment journey.

As you navigate your investment decisions, always keep your financial well-being at the forefront. Seeking guidance from a Certified Financial Planner can offer personalized insights tailored to your specific needs and aspirations.

Wishing you continued success on your investment journey!

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Ramalingam

Ramalingam Kalirajan  |6675 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Hello sir , I am 40 years old , I have below investment. FD - 60 lacs. Mediclaim - 10 lacs NPS - 50K Per year PPF - 150K Per Year I am investing in below mutual funds through SIP. ( 22K) ICICI balanced Advantage 2K HDFC Balanced Advantage 3K Tata Midcap and Largecap 3K Nippon India Small Cap 2K Motilal Midcap 2K ICICI Prudential Commodities 5K Quant Small Cap 5K Is it good funds for long terms ( Horizon of 8/10 years) ? I want to invest more 10K in SIP then which fund should I chose ? Thanks
Ans: It's great to see your disciplined approach towards investments. Let's assess your portfolio and potential additions:

Your current SIP portfolio seems well-diversified across different market segments, which is beneficial for long-term growth.
Given your investment horizon of 8 to 10 years, these funds offer a mix of growth potential and stability.
Considering adding another 10K to your SIP, you may want to focus on funds that complement your existing portfolio.
Look for funds with a track record of consistent performance and a strong investment thesis aligned with your financial goals.
Consider funds that provide exposure to sectors or themes with potential for future growth.
Consult with a Certified Financial Planner to evaluate your risk tolerance, financial goals, and investment strategy before making any changes.
Remember, investing is a long-term journey, and staying disciplined and diversified is key to achieving your financial objectives.
By carefully selecting additional funds and staying focused on your long-term goals, you can continue to build a robust investment portfolio that serves your needs effectively.

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Pushpa

Pushpa R  |11 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Oct 17, 2024

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I am a diabetic with HbA1C 7.4. I feel very sleepy after the breakfast, which I take around 10-10:30 AM. Also, I feel not so fresh when I get up in the morning. Infact getting up in the morning is a struggle. I generally sleep around 11 PM. How to avoid this sluggishness during the day. I do regular exercise Yoga or Walk for 30 min atleast 5 times a week. I have a feeling that I am becoming hypoglycemic during the night and that is what causing this sleepiness during the day. Quality of night sleep is reasonably ok. However, I get once during the night for urination. Please advise on my condition.
Ans: Feeling sleepy after breakfast and struggling to wake up in the morning can be linked to several factors, especially in diabetics. Here are some insights and tips to help manage your symptoms:

Possible Nocturnal Hypoglycemia: If your blood sugar drops during the night, it can affect the quality of your sleep and lead to morning sluggishness. You could try having a glass of milk before bed to help maintain blood sugar levels overnight. Consult your doctor to monitor glucose levels more closely.

Post-Breakfast Sleepiness: The type of breakfast you have might be causing a blood sugar spike, followed by a crash. Opt for a balanced meal with complex carbs, protein, and fiber to prevent rapid sugar fluctuations. Avoid sugary or processed foods that can cause drowsiness.

Sleep Quality and Schedule: Although you sleep around 11 PM, if your sleep quality is compromised (like waking up for urination), it may not be fully restorative. Try to reduce fluid intake an hour before bed, and consult a healthcare professional to address frequent urination.

Morning Exercise: Doing yoga or walking earlier in the day, particularly in the morning, can boost your energy levels and reduce daytime sluggishness.

Check with a Doctor: It’s important to discuss the possibility of hypoglycemia and other metabolic factors with your doctor, especially considering your diabetes and HbA1C levels. Adjusting your medication, diet, or routine may be necessary.

Combining balanced meals, consistent exercise, and good sleep hygiene should help reduce the sluggishness you're experiencing during the day.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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