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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Jun 08, 2021

Mutual Fund Expert... more
shubham Question by shubham on Jun 08, 2021Hindi
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I am 34 years old. I am investing 25000 per month on different mutual funds. My funds include:

Axis long term equity fund (Direct)-SIP Rs 9000
Axis Mid cap fund (Direct)-SIP Rs 5000
Axis Focussed 25 fund (Direct)-SIP Rs 2000
Nippon large cap fund (Regular)-SIP Rs 4000
L & T Emerging Business fund (Direct)-SIP Rs 5000

Please review my MF holdings and kindly advise me what are the funds I should retain/close and what new investments to make as I can invest Rs 5000 more?

Ans: You may continue in 1,2,3 & 5 and for additional investment either of the below can be considered

a)   UTI Flexi Cap – Growth

b)  Parag Parikh Flexi- Cap 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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Ramalingam

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Asked by Anonymous - Mar 21, 2023Hindi
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Hello Sir, I am 43 yrs of age and following is the list of my MF holdings which are all 15 Months Plus......Can you pls advice me if I should continue to remain Invested in the same or should I change any of these....I am looking at an aggressive and high return Funds in the next 3 Years....Also one very important point is all my Investments are thru an Agent, do you suggest i shud withdraw them all and go for Direct Plans.....Pls advice - SIP Details - CANARA ROBECCO EMERGING EQUITIES FUND – 10000 PGIM INDIA MID CAP OPPORTUNITIES FUND – 5000 ICICI PRUDENTIAL TECHNOLOGY FUND – 4000 SBI FOCUSED EQUITY FUND – 6000 QUANT ACTIVE FUND – 10000 MIRAE ASSET LARGE CAP FUND – 10000 INDIA INFOLINE - 5000 LUMPSUM Details - PGIM INDIA MID CAP OPPORTUNITIES FUND – REGULAR GROWTH – 3 LACS K1155 - KOTAK MULTICAP FUND – REGULAR PLAN GROWTH – 3 LACS AXIS MULTICAP FUND REGULAR PLAN GROWTH – 3 LACS IIFL FOCUSED EQUITY FUND – 4 LACS UTI FLEXI CAP FUND – 2.5 LACS MIRAE ASSET LARGE CAP FUND – 3 LACS LIC MF LARGE AND MID CAP FUND – 4 LACS CANARA ROBECCO BLUE CHIP EQUITY FUND – 3 LACS QUANT ACTIVE FUND – 2.5 LACS PARAG PARIKH FLEXI CAP FUND – 2.5 LACS
Ans: Given your desire for aggressive growth in the next 3 years, it's crucial to assess your current mutual fund holdings and make informed decisions. Here are some considerations:

Performance Review: Evaluate the performance of your existing funds over the past few years. Look at their consistency, returns, and how they have performed during different market cycles.
Risk Appetite: Consider your risk tolerance and whether your current funds align with your risk profile. Aggressive funds typically carry higher risk, so ensure you are comfortable with potential volatility.
Diversification: Check the diversification of your portfolio across different fund types (large cap, mid cap, small cap) and sectors. A well-diversified portfolio can help mitigate risk.
Expense Ratio: Assess the expense ratio of your funds, especially if they are regular plans. Direct plans generally have lower expense ratios, which can significantly impact returns over the long term.
Exit Loads and Tax Implications: Understand any exit loads or tax implications associated with redeeming your existing investments, especially if they are less than 3 years old.
Consideration of Direct Plans: Switching to direct plans can save on expenses in the long run, potentially boosting returns. However, ensure you are comfortable with managing your investments independently or seek the assistance of a fee-based advisor.
After considering these factors, you can decide whether to continue with your current holdings, reallocate investments, or explore new funds that align better with your goals and risk appetite. It's essential to periodically review your portfolio and make adjustments as needed to stay on track with your financial objectives.

..Read more

Ramalingam

Ramalingam Kalirajan  |6971 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Asked by Anonymous - Mar 23, 2023Hindi
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Hello Sir, I am 43 yrs of age and following is the list of my MF holdings which are all 15 Months Plus......Can you pls advice me if I should continue to remain Invested in the same or should I change any of these....I am looking at an aggressive and high return Funds in the next 3 Years....Also one very important point is all my Investments are thru an Agent, do you suggest i shud withdraw them all and go for Direct Plans.....Pls advice - SIP Details - CANARA ROBECCO EMERGING EQUITIES FUND – 10000 PGIM INDIA MID CAP OPPORTUNITIES FUND – 5000 ICICI PRUDENTIAL TECHNOLOGY FUND – 4000 SBI FOCUSED EQUITY FUND – 6000 QUANT ACTIVE FUND – 10000 MIRAE ASSET LARGE CAP FUND – 10000 INDIA INFOLINE - 5000 LUMPSUM Details - PGIM INDIA MID CAP OPPORTUNITIES FUND – REGULAR GROWTH – 3 LACS K1155 - KOTAK MULTICAP FUND – REGULAR PLAN GROWTH – 3 LACS AXIS MULTICAP FUND REGULAR PLAN GROWTH – 3 LACS IIFL FOCUSED EQUITY FUND – 4 LACS UTI FLEXI CAP FUND – 2.5 LACS MIRAE ASSET LARGE CAP FUND – 3 LACS LIC MF LARGE AND MID CAP FUND – 4 LACS CANARA ROBECCO BLUE CHIP EQUITY FUND – 3 LACS QUANT ACTIVE FUND – 2.5 LACS PARAG PARIKH FLEXI CAP FUND – 2.5 LACS
Ans: Let's analyze your portfolio and provide recommendations based on your aggressive investment stance and the desire for high returns over the next three years.

Portfolio Review:

You have a well-diversified portfolio with exposure to various equity categories, which is a good approach for long-term growth. Given your aggressive stance, let's assess your holdings:

Equity Funds:
You have exposure to large-cap, mid-cap, focused equity, technology, and flexi-cap funds. This diversification can potentially balance risk and return, but you might consider focusing more on aggressive funds for higher growth.
Direct vs. Regular Plans:
Investing through an agent (Regular Plans) involves a higher expense ratio due to commissions. While Direct Plans can reduce costs, your relationship with a trusted Mutual Fund Distributor (MFD) who provides personal emotional support can add value beyond just financial advice.
Recommendations:

Continue with Regular Plans through a Trusted MFD:
Given your aggressive stance and the emotional support you receive from your MFD, continuing with Regular Plans through your trusted MFD can align well with your investment goals. A supportive MFD can offer personalized advice, emotional reassurance, and keep you informed about market developments.
Focus on Aggressive Funds:
Emphasize funds with a proven track record of aggressive growth and high returns. Your MFD can help identify and recommend funds that align with your risk appetite and investment horizon.
Periodic Reviews with Emotional Support:
Schedule regular reviews with your MFD to evaluate your portfolio's performance and make necessary adjustments. A supportive MFD can offer emotional support during market fluctuations, helping you stay disciplined and confident in your investment decisions.
Build a Strong Relationship with Your MFD:
Embrace the relationship with your MFD who understands your financial goals, concerns, and provides emotional support. A strong relationship can enhance your investment experience, making it more reassuring and enjoyable.
Conclusion:

Given your aggressive stance and the importance of emotional support in your investment journey, continuing with Regular Plans through your trusted MFD seems suitable. Focus on aggressive funds, maintain regular reviews with your MFD, and nurture your relationship with them for personalized advice and emotional reassurance. Remember, investing is not just about numbers; it's about peace of mind, trust, and confidence in your investment decisions. Embrace this journey with your MFD by your side, and may your investments flourish over time.

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Hardik

Hardik Parikh  | Answer  |Ask -

Tax, Mutual Fund Expert - Answered on Apr 07, 2023

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ello Sir, I am 43 yrs of age and following is the list of my MF holdings which are all 15 Months Plus......Can you pls advice me if I should continue to remain Invested in the same or should I change any of these....I am looking at an aggressive and high return Funds in the next 3 Years....Also one very important point is all my Investments are thru an Agent, do you suggest i shud withdraw them all and go for Direct Plans.....Pls advice - SIP Details - CANARA ROBECCO EMERGING EQUITIES FUND – 10000 PGIM INDIA MID CAP OPPORTUNITIES FUND – 5000 ICICI PRUDENTIAL TECHNOLOGY FUND – 4000 SBI FOCUSED EQUITY FUND – 6000 QUANT ACTIVE FUND – 10000 MIRAE ASSET LARGE CAP FUND – 10000 INDIA INFOLINE - 5000 LUMPSUM Details - PGIM INDIA MID CAP OPPORTUNITIES FUND – REGULAR GROWTH – 3 LACS K1155 - KOTAK MULTICAP FUND – REGULAR PLAN GROWTH – 3 LACS AXIS MULTICAP FUND REGULAR PLAN GROWTH – 3 LACS IIFL FOCUSED EQUITY FUND – 4 LACS UTI FLEXI CAP FUND – 2.5 LACS MIRAE ASSET LARGE CAP FUND – 3 LACS LIC MF LARGE AND MID CAP FUND – 4 LACS CANARA ROBECCO BLUE CHIP EQUITY FUND – 3 LACS QUANT ACTIVE FUND – 2.5 LACS PARAG PARIKH FLEXI CAP FUND – 2.5 LACS
Ans: Hello Yatin,

Firstly, I appreciate that you've been consistently investing in mutual funds for more than 15 months. Based on your age and the 3-year investment horizon you mentioned, it's reasonable to have an aggressive investment strategy. However, I would also like to remind you that higher returns often come with higher risks.

Regarding your current holdings, I see that you have a well-diversified portfolio across large-cap, mid-cap, focused, and sectoral funds. Given your investment goals, you may consider continuing with most of these funds. However, I recommend reviewing the performance of the funds against their benchmark indices and their respective categories. You might want to consider replacing any underperforming funds with better-performing alternatives in the same category.

On the point of investing through an agent, I suggest you evaluate the benefits and drawbacks of switching to direct plans. Direct plans generally have lower expense ratios, which could result in higher returns over time. However, if you value the guidance and support provided by your agent, you might want to stick with the regular plans.

If you decide to switch to direct plans, you can do so without redeeming or selling your existing investments. You can start by converting your future SIPs to direct plans and then gradually switch your existing holdings.

Please note that this advice is based on the limited information you provided and should not be considered as personalized financial advice. I recommend that you consult with a certified financial planner or advisor for a detailed analysis of your portfolio and investment goals.

Wishing you the best in your investment journey!

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It is obviously very shocking for you to know that things have been happening behind your back.
Now, how you want this to move on from here on, is a decision only you must make! Have you had a chat with your wife about the association that she has with the other person? Does she know that you know about it?
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Hello madam I a 32 year old married man with a kid , who is 6 years old. I have done arrange marriage with my own decision I agreed to my parents for the marrige at that time I was in a casual relationship with a girl I didn't said anything to the girl and get married to someone else. After that I tried to live a happay life with my wife without thinking about the girl whom I left behind, from outside I tried to be happy with my wife but my wife thought doesn't matches with me so I felt so disturbed from inside. Still I was trying to continue the relationship for sake of our child but suddenly I got my ex love contact and I was so happy that after so long time I got a chance to talk to her, I have tried to meet her but she always refused to meet me because she was in a relationship. I tried many times and due to some misconduct I again lost her for the second time. At this moment when she is not with me her thoughts memories are troubling me so much I am in pain, what am I suppose to do to get rid of the pain?? Please help
Ans: Dear Anonymous,
There is no point wanting a 'past' relationship just because you have one...what if that relationship did not exist, you would have possibly made efforts to make your marriage work, right?
Then do just that...DO NOT treat your marriage as an option...which marriage is a perfect one? And are all spouses tailor-made to fit one another?
So, if her thoughts don't match with yours, then even yours don't match with hers...so, should she also think of jumping into some other relationship. Please act mature about this especially with a child in the entire equation; try and understand each other...speak about your differences and find ways of working on them by accepting them. Ex-love etc looks all very nice, but come down to ground reality; please...work on your marriage!

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Ans: Dear Anonymous,
I understand you are in a tough spot. But it's nice to see that after all those years of differences, you still have genuine feelings for her. I strongly suggest considering marriage counseling. From your description of your marriage, it seems to be there have been issues from the very beginning of it. It's been too long and now those issues must've become deep-rooted. Seeing a professional can be a game-changer. They can guide you out of this slump more methodically and help you navigate the emotions you are feeling right now. It can also help you understand the reasons for your wife's disinterest and handle it better.

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Hii, I have an love marriage after 9 years of dating and 6 years, 2 children post marriage, my little one is 11 months old now. My husband has an affair upto chatting to someone in his company, his junior but in different department, when my Lil one was 1 month old, we had in a rough patch then due to child birth and family drama. When I saw it and confronted him, he said he is sorry and won't do it again, we had multiple fights for 3-4 months after then due to same reason, but he mostly listen and consol. It's been a lot of mental torture for me. I love my husband a lot and he is a good person, but sometimes sill I see her msg in his phone asking for small helps or casual msg. She is also married. I am not sure my husband deletes msg or what, I am not able to get over this. Before it, this is was preety much a good relationship. I am highly educated and independent women. I don't want anything form my husband apart from love. What should I do, whenever I tell him I want to just leave and let him have his life, he won't let me somehow. We are having a good physical relationship 2-4 times a week( just to tell where we are). Please help me...I can't overcome that he is making fool of me...
Ans: Dear Anonymous,
I am sorry to hear you are in such a tough spot. I would suggest considering marriage counseling. A professional who can help you both tackle these issues would be helpful in this situation. I understand that it was his mistake and he needs to put the effort to make you trust him again, but since you are still together, you will also have to put in the effort to let it. I know it is difficult and that's where marriage counselor comes in. They can help you navigate these feelings. Moreover, if he is indeed hiding something, therapy can help that come out in the open.

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Hi, Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. Partner(F28)continuing friendship with a person[M] who had crush on her before marriage considered emotional infidelity? Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. My wife is having friendship (strictly platonic) with a guy from her 10tlh grade (same class). Before our marriage (she may be doing her college, our relationship just started may be 2 weeks) this guy told her he has genuine interest in her and he want to take the relationship further if she wants, she said she is not interested in a relationship and she got committed, she always saw him as a friend, no other feelings for him and we can be friends if you don't bring any romantic interest again. He never took this talk again ever after and happy to be a friend. They are talking as friends. She got married to me. He also got married. They still do chats once in a month. She introduced me to him and visited his home when we visited his city. He also came to our home once (me and my family was there). She used to update me with chat she had with him and the content they are chatting. I am ok with that When we were talking about our school life and college life 2 years before. She said this guy had crush on her during her college days. I asked her, why did not she tell me this info till now. She said it is not purposely, she does not feel the need to do as the person is not in-appropriate with her and continuing as good friend as promised after she rejected his proposal. I don’t want to create any unnecessary issues as I don’t have any felling or so with him. That time I checked their chats completely, it’s about update about their common friends, their recent travel, their job, meditation courses and the books they read recently. I haven’t seen any flirting or romantic message from either of them. So I am perfectly fine with it and had no problems. I recently came to know about the concept of emotional cheating which is very new to me. Before that cheating to me is only flirting, sexeting and physical sex. I have asked for advice in redddit.com in infedility sub forum about emotional cheating/ emotion affair. There persons are advising like even having friendship with someone who had crush on you is emotional cheating as it is indirectly leading them on you. So with an omission of lie he had crush on her and indirectly leading him on you wife was emotionally cheating on you. This is very much equal to cheating. I do have lots of friends in other gender, but no one had crush on me. Does this count as emotional cheating/affair as she did not mention he had crush on her before marriage? I am little depressed and not able to spend quality time with my wife who is in postpartum depression and take care of our daughter properly as before. Do you guys advise me how to navigate this situation?
Ans: Dear Anonymous,
Are you really going to ruin your happy relationship based on some new term you have learned recently? Emotional cheating and many more terms of the kind will come and go, what truly matters is the truth. She is merely friends with this guy and for your peace of mind, you have even checked their conversations- what part of it looks like cheating to you? If tomorrow, some random person projecting their own insecurities claims that a man speaking to a woman is some "new form" of cheating, would you start believing that? My point is that these are just random opinions of some people- it isn't the ultimate truth. The entire context matters. This man had a crush on your wife, she rejected it, and now they are just friends. I find absolutely no misconduct or infidelity in this. The fact that none of your friends had a crush on you does not factor in at all. Moreover, your wife is in postpartum depression- that should be your biggest concern but here you are, giving more importance to the random 2 AM thoughts of some people you don't even know. Please rethink if you are being fair to your wife- the mother of your child.

Best Wishes

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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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