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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Feb 16, 2022

Mutual Fund Expert... more

Question by Bijay on Feb 16, 2022Hindi

Money

I am 36 yrs working in a reputed MNC IT company having 14 yrs of IT Experience. I have invested in MF since 2016 with a long goal for capital appreciation, for buying Home, Child education and retirement plan. I can take moderate Risk. Below are my MFs, could you please suggest by looking my portfolio (55% Equity, 45% debt value)

Axis Blue Chip Fund Direct Growth - SIP 7500

Mirae Asset Emerging Bluechip(G) - SIP 7500

Kotak Emerging Equity Scheme Growth - SIP 5000

Parag Parikh Long Term Equity Growth SIP 5000

UTI Equity Growth Direct Plan SIP 5000

Axis Small Cap Growth - SIP 5000

Franklin India Smaller Cos Fund(G)- SIP 3000

SBI Focused Equity GrowthÂ&nbsp - SIP 5000

Axis Short Term Growth (Short Duration Fund) - SIP 20000

Aditya Birla Sun Life Banking & PSU Debt Growth SIP 5000

Nippon India Gilt Securities Growth - SIP 5000

Nippon India Liquid Growth - SIP 10000

Ans: This is fine; we can review it post 1 year

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 Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 15, 2022

Question by Satish - Jun 15, 2022Hindi

Money

Please advise me on my following MF investments: - Axis Nifty 50 direct-G - Kotak Global Innovation direct- G - Axis Multicap-G SIP 5K - Axis LongTerm Equity- G - Aditya Birla Flexicap direct- G - Kotak Debt Hybrid direct- G - Parag Parikh Flexicap direct-G SIP 10K - Axis Global Eq SIP 5K - Mirae Asset Emerging Bluechip direct -G SIP 2.5 K -Mirae Asset Tax saver direct -G SIP 6K -Mirae Asset Largecap direct- G - Mirae Asset Healthcare direct- G - Kotak Flexicap direct G - HDFC Hybrid Eq - G - Aditya Birla Eq Advantage – G

Ans: Too many funds, saving grace is most are decent funds, try to consolidate into 4-6 funds

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Sep 08, 2021

Question by Vijay - Sep 08, 2021Hindi

Money

I am 41 and working in a private organisation. I have started investing in MFs since the last three years. Please find below my investment portfolio. Request your valuable advice. Product Name SIP/PM Purchase Value 1. Axis Flexi Cap Fund Regular Growth Rs 2,000 Rs 87,000 2. Aditya Birla Sun Life Equity Fund Regular Growth Rs 2,000 Rs 87,000 3. HDFC Mid-Cap Opportunities Fund Regular Growth Rs 2,000 Rs 87,000 4. Nippon India Small Cap Fund, Regular Growth Rs 2,000 Rs 92,000 5. ICICI Prudential Value Discovery Fund, Regular Growth Rs 2,000 Rs 87,000 6. HDFC Low Duration Fund, Growth (formerly HDFC Cash Management Fund -- Treasury Advantage Plan) Rs 5,000 Rs 20,000 7. HRERP/Retirement Savings Equity Regular GR Rs 5,000 Rs 20,000 8. Kotak Flexi Cap Fund, (G) Regular Rs 1,300 Rs 27,300 9. Aditya Birla Sun Life Pure Value Fund, Regular Growth Rs 1,200 Rs 18,000 10. L&T Midcap Fund, (G) Rs 1,200 Rs 25,200 11. Franklin India Feeder Franklin US Opportunities Fund, (G) Rs 1,300 Rs 7,200 Product Name Purchase Value 1. SBI Flexicap Fund-Dir Gr Rs 20,000 2. SBI Large & Midcap Fund Direct Gr (formerly SBI Magnum Multiplier Fund) Rs 20,000 3. SBI Magnum MidCap Dir Fund-G Rs 20,000 4. SBI Blue Chip Fund -- Direct Plan, Growth Rs 5,000 SBI Magnum Constant Maturity Fund Direct Growth Rs 5,000

Ans: Too many funds; please continue with 1, 3, 4, 5 and 11.

Keep the lumpsums invested.

Hardik Parikh |106 Answers |Ask -Follow

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

Question by Manoj - Mar 29, 2023Hindi

Money

Hello Sir , My Self Manoj ,I am 40 years old a salaried person , and investing in MFs Since 5.5 years I have below current ongoing investments Aditya Birla FlexiCap Fund -- 7000 p.m.(SIP) HDFC Midcap Opportunities fund ---4000 p.m.(SIP) HDFC Hybrid Equity Fund ----2000 p.m.(SIP) DSP mid cap fund ---2000 p.m.(SIP) DSP Select Focus Fund ---2000 p.m.(SIP) DSP Small Cap Fund 3000 p.m.(SIP) Kotak Equity Opportunities Fund ---2000 p.m.(SIP) SBI Blue Chip Fund -----64000 (lumpsome) SBI Small cap fund ----2000 p.m.(SIP) Nippon India small cap fund ----2000 p.m.(SIP) Invesco Small cap fund ---1000 p.m.(SIP) Tata Small cap fund ----1000 p.m.(SIP) Mahindra Unnati Emerginf Business yojana ----2000 p.m.(SIP) Tata Balanced Advantage Fund -----50000 Mirae Asset Mid cap Fund ---2000 p.m.(SIP) ICICI Flexicap fund -----70000 (lumpsome) DSP Equity and Bond Fund---- 32000 (lumpsome) DSP Dynamic Asset Allocation Fund ----23000 (lumpsome) Sundaram Emerging small cap series1---17000 (lumpsome) Sundaram Services Fund---500 p.m.(SIP) Tata Flexicap Fund ----17400 (lumpsome) Baroda BNP Paribas Flexicap Fund ----50000 (lumpsome) Icici Blue chip Fund ---400 p.m.(SIP) Edelweiss small cap fund ----2000 p.m.(SIP) Axis Flexicap Fund ----19000 (lumpsome) Sundaram Small cap fund ----98000 (lumpsome) ICICI mnc fund---- 6000 (lumpsome) Axis mid cap fund ---500 p.m.(SIP) Canara Robeco small cap fund -----1000 p.m.(SIP) BOI small cap fund ----1000 p.m.(SIP) Aditya birla multicap fund----50000 (lumpsome) Kotak Multicap fund -----25000 (lumpsome) HDFC world indexes fund of fund---10000 (lumpsome) SBI Multicap fund ---1000 p.m.(SIP) PGIM India mid cap oppportunities fund ---1000 p.m.(SIP) Axis small cap fund ----500 p.m.(SIP) Edelweiss focused equity fund ---21000 (lumpsome) UTI flexicap fund ---3000 p.m.(SIP) Quant Large cap fund ---25000 (lumpsome) IDFC mid cap fund ---25000 (lumpsome) White Oak mid cap fund ---20000 (lumpsome) Sundaram Flexicap fund ---700 (lumpsome) Canara Robeco mid cap fund ---2000 p.m.(SIP) Mahindra small cap fund---2000 p.m.(SIP) Total amount of SIP is roughly around 45k per month, Since December 2016 till the date now my investment corpus in Mutual Fund has been now 30.5 lakhs , also i have 30k invested in direct stocks in Indian equity Market. I have 3 LIC policies and 1 term insurance policy of 1 crore cover,I have Bank FDs in nationalised bank for about 27 lakhs , and 3 lakhs in PPF My Goals are 1) 2 crores for my children's marriage and education 2) 2 crores for buying home 3) 4 crores for retirement life (after 10 years) In total i want to generate 8 crores in next 10 years. Kindly suggest if i would be able to achieve the goals in next 10 years,and changes if required any Regards Manoj

Ans: Hello Manoj,

It's great to see that you've been disciplined with your investments and have built a sizable corpus already. To assess if your current investments will help you achieve your goals of 8 crores in the next 10 years, let's take a closer look at your financial situation and goals.

Current Investments:
Mutual Funds: ~30.5 lakhs
Direct stocks: 30k
LIC policies and term insurance: Not considered for investment purposes
Bank FDs: 27 lakhs
PPF: 3 lakhs
Total: ~60.5 lakhs
Monthly SIP investments: ~45k
Now let's analyze your goals:

Children's marriage and education: 2 crores
Buying a home: 2 crores
Retirement life (in 10 years): 4 crores
Total: 8 crores
Assuming an average annual return of 12% on your equity investments, here's a rough projection of your portfolio's growth:

Current investments (60.5 lakhs) in 10 years: ~1.87 crores
Monthly SIPs (45k) in 10 years: ~1.05 crores
Total: ~2.92 crores
Based on this calculation, you would not reach your goal of 8 crores in the next 10 years. However, you can consider making some changes to improve your chances:

Reassess your goals: Consider if your goals are realistic and if there's any flexibility in the amounts or timelines.
Increase your SIP investments: As your salary increases, try to increase your SIP investments to accelerate your portfolio's growth.
Rebalance your portfolio: Regularly review your portfolio to ensure it's aligned with your risk appetite and financial goals. This may involve reducing the number of funds or shifting the allocation between equity and debt.
Monitor fund performance: Keep an eye on the performance of your funds and consider replacing underperforming ones.
Remember that financial planning is an ongoing process, and it's essential to periodically review and adjust your strategy. It's also a good idea to consult with a professional financial advisor to get personalized advice for your specific situation. While it might be challenging to achieve 8 crores within 10 years, these suggestions may help you get closer to your goals.

Best regards,

Vivek Lala |225 Answers |Ask -Follow

Tax, MF Expert - Answered on Oct 09, 2023

Question by Kannan - Oct 09, 2023Hindi

Money

Hello, I am 39 years old and have just started to invest in MF. Aim is to have good retirement life and funds for son’s education in the next 6-7 years. I am good to invest 1-1.2lacs a month and currently started investing in below funds: Mirae large and Mid cap funds Nippon small cap Kotak emerging funds ICICI Pru blue chip Axis Mid Cap Axis Multi cap SBI Magnum Midcap Quant Mid Cap

Ans: Hello, you are on the right path. Keep the discipline and you will reach your goal as decided by you

Ramalingam Kalirajan |1318 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Question by Rajeev - Oct 13, 2023Hindi

Money

Hello, I am 41 years old and have just started to invest in MF. Aim is to have good retirement life and funds for daughter’s education in the next 9-10 years. I am not good to invest 8-12k a month and currently started investing in below funds: Nippon small/Large cap, Kotak, Canara, Axis, ICICI & SBI Bluechip

Ans: It's commendable that you've taken the initiative to invest for both your retirement and your daughter's education. Diversifying across various mutual funds is a strategic move akin to planting different seeds in a garden. Each seed has its unique growth trajectory and potential.

However, while variety is good, it's also essential to ensure that these funds align with your financial goals and risk tolerance. Sometimes, having too many funds can complicate tracking and managing your investments. Consider reviewing your portfolio periodically to ensure it remains in line with your objectives.

As you journey towards your retirement and your daughter's educational goals, remember that patience and consistency are your allies. The world of mutual funds can be unpredictable, much like the seasons. There will be periods of growth and times of stagnation. Stay invested, stay informed, and consider seeking advice from a financial advisor to nurture your financial garden effectively.

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Question by Shakir - May 03, 2024Hindi

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Hi. Will it be wise to start a sip in HDFC bank for 2 years. About 50 shares per month. Pl guide

Ans: yes, but make it 5yrs.

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Question by Matta - Apr 26, 2024Hindi

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WHAT ABOUT HBL POWER

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Question by Sadasivan - May 03, 2024Hindi

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Are there any system of getting discounted share price ?

Ans: there are lot of companies which trade at discount, for that you need to derive their valuation and calculate the price and then compare it with the current price. It is complicated but all research analyst use this methodology and then arrive weather they should buy this company or not as market at sometime gives the right valuation.

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Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Question by Amit - Jan 31, 2024Hindi

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I am 76 year old NRI and have invested 60 lac rupees in NRE fixed deposits with SBI. Interest for these NRE FD is around 4.2 lac last year which is tax exempt. Am I required to file India income tax return to declare this income?

Ans: As an NRI, your NRE (Non-Resident External) fixed deposits with SBI generate tax-exempt interest income in India. Since the interest earned on NRE fixed deposits is exempt from tax, you are not required to file an income tax return in India solely to declare this income.

However, it's important to note that while the interest earned on NRE fixed deposits is tax-free in India, it may be subject to taxation in your country of residence based on the local tax laws. Therefore, it's advisable to consult with a tax advisor or accountant in your country of residence to understand the tax implications and reporting requirements applicable to your NRE fixed deposit interest income.

Additionally, if you have any other sources of income in India or if you meet other conditions specified by the Income Tax Act, you may be required to file an income tax return in India. It's recommended to seek professional advice to ensure compliance with both Indian and international tax regulations.

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Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 29, 2024Hindi

Money

Hi Sir. I am 29 years old and have a saving of 5lac now so I want to invest it in lumpsum SIP for 10 years. Could you please suggest me which fund would be better including small, mid and large where I can get over 25 returns

Ans: Investing a lump sum in SIPs for 10 years is a wise move towards building wealth. Considering your age and investment horizon, here's a diversified portfolio suggestion that includes exposure to small, mid, and large-cap stocks:

Large-Cap Fund: Invest a portion of your funds in a reputable large-cap fund known for its consistent performance and stability. Large-cap funds invest in well-established companies with a track record of strong earnings and market leadership.
Mid-Cap Fund: Allocate another portion to a mid-cap fund, which focuses on companies with medium market capitalization. Mid-cap stocks have the potential for higher growth than large-cap stocks but come with higher volatility.
Small-Cap Fund: Lastly, invest in a small-cap fund to capture the growth potential of smaller companies. Small-cap stocks can be more volatile but offer the possibility of significant returns over the long term.
Ensure to select funds with a proven track record, experienced fund managers, and low expense ratios. While aiming for over 25% returns is ambitious, it's crucial to remain realistic and consider the associated risks. Diversification across different market segments can help mitigate risks and enhance potential returns.

Consulting with a Certified Financial Planner can provide personalized advice tailored to your financial goals and risk tolerance. They can help you select suitable funds and construct a well-balanced portfolio aligned with your investment objectives.

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Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi

Money

Hi I'm investing 1500 in nifty mid cap 150 index, 1000 in nifty next 50 index and 500 in nifty 50 index. 100 percent passive investment fpr long term. Any suggestions with allocation or diversification?

Ans: Here's a breakdown of your current portfolio and some thoughts on active vs. passive investing:
Current Portfolio:

Nifty Midcap 150 Index (1500): This is a good way to gain exposure to mid-sized companies in India.
Nifty Next 50 Index (1000): This provides exposure to companies on the cusp of joining the Nifty 50, potentially offering higher growth.
Nifty 50 Index (500): This offers diversification with large, established companies.
Overall, your portfolio is leaning towards a growth strategy with a good focus on mid-cap and small-cap companies. This has the potential for higher returns but also comes with higher risk.

Active vs. Passive Investing:

Active Funds: These are managed by professionals who try to outperform the market by picking winning stocks. While active management can be successful, studies show that over the long term, a large percentage of actively managed funds underperform their benchmark index. The fees associated with active management also eat into returns.

Passive Funds (Index Funds): These track a market index, like the Nifty 50. They offer lower fees and historically, tend to match or outperform a significant portion of actively managed funds. This makes them a good option for long-term investors who don't want to spend a lot of time managing their portfolio.

Here's why your current approach with index funds is a good strategy for long-term investing:

Low Cost: Index funds have minimal fees, allowing you to keep more of your returns.
Diversification: You're already diversified across different market segments, reducing risk.
Long-Term Focus: With a long-term outlook, riding out market fluctuations is easier, and index funds tend to perform well over time.
Here are some additional thoughts:

Asset Allocation: Consider your risk tolerance and investment goals. You could adjust your weightings between the Nifty 50, Next 50, and Midcap 150 to achieve your desired risk profile.
Rebalancing: Periodically rebalance your portfolio to maintain your target asset allocation.
Ultimately, the decision of active vs. passive is yours. However, for a long-term investor with a focus on low costs and diversification, a passive approach with index funds is a well-supported strategy.
Lastly, if you're open to exploring active funds, consider consulting with a professional Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials. They can provide personalized advice and recommend active funds that have the potential to outperform their respective indices over time.

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Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Question by ashok - Jan 29, 2024Hindi

Money

I am 54 yrs .I have EPF contribution for 9 yrs in previous organization .But in present organization there is no provision of EPF contribution .How can I eligible for pension under EPFO

Ans: Since you've contributed to the Employees' Provident Fund (EPF) for 9 years in your previous organization, you may be eligible for a pension under the Employees' Pension Scheme (EPS) managed by the Employees' Provident Fund Organization (EPFO).

The eligibility for pension under EPS is based on the number of years of service and the average monthly salary during the contributory period. To qualify for a pension, you typically need to have completed at least 10 years of eligible service. However, there are certain exceptions and provisions for early pension eligibility under specific circumstances.

Given that you have contributed to EPF for 9 years, you may consider exploring options to complete the required 10 years of service, either by contributing voluntarily to EPF or by transferring your EPF accumulations from your previous organization to your current one, if feasible.

It's advisable to reach out to the EPFO or consult with a financial advisor to understand your specific eligibility for pension under EPS and explore potential options to fulfill the requisite service period. They can provide personalized guidance based on your individual circumstances and help you navigate the process effectively.

Ramalingam Kalirajan |1318 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 29, 2024Hindi

Money

Is it possible to transfer all regular mutual funds NJ weath to zerodha mutual funds regular?

Ans: While it may seem tempting to consolidate your mutual funds into a single platform for convenience, it's essential to tread carefully to avoid potential tax implications and ensure continued support for your investments. Opting for a direct transfer to Zerodha, which only offers direct mutual funds, may trigger tax liabilities due to the switch from regular to direct plans.

Instead, consider transferring your funds to another Mutual Fund Distributor (MFD) who can offer the support and guidance you need. Choosing an MFD with Certified Financial Planner (CFP) credentials can provide you with personalized advice tailored to your financial goals and circumstances.

Remember, the journey towards financial security is not just about convenience—it's about making informed decisions that align with your long-term aspirations. By selecting the right MFD with CFP expertise, you can navigate the complexities of mutual fund investments with confidence and clarity.

Ramalingam Kalirajan |1318 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi

Money

Dear sir My sister is a heart patient and spending around Rs 5000 per month.She is a widower and age arround 65. I want to deposit an amount of ? 1500000.00 in her name at Senior citizens scheme apart from already deposited 400000 lac. I put my daughter name, her grandchildren name as nominee. Any hurdles in this one. Please send the reply to me

Ans: It's heartwarming to see your concern for your sister's well-being, especially given her health condition. Depositing an additional amount in her name under the Senior Citizens Savings Scheme (SCSS) can indeed provide her with financial security during her retirement years.

As for the nomination process, nominating your daughter and her grandchildren as beneficiaries is a thoughtful gesture. However, there might be some considerations to keep in mind:

Consent: Ensure that your sister is aware of and agrees to the nomination arrangement. It's essential to respect her wishes and ensure that she is comfortable with the decision.
Legal Requirements: Verify if there are any specific legal requirements or restrictions regarding nominees for SCSS accounts. While nominating family members is common, it's prudent to confirm compliance with applicable regulations.
Contingency Planning: Consider discussing contingency plans with your daughter regarding the management of the funds in case of your sister's demise. This ensures a smooth transition and effective utilization of the funds for your sister's intended beneficiaries.
Documentation: Complete all necessary paperwork accurately and ensure that the nomination details are correctly recorded in the SCSS account documents.
Consulting with a financial advisor or legal expert can provide personalized guidance tailored to your sister's situation and help navigate any potential hurdles or concerns. Your proactive approach to securing your sister's financial future demonstrates care and foresight, and with careful planning, you can ensure that her needs are well-addressed.

Ramalingam Kalirajan |1318 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Question by Anand - Jan 28, 2024Hindi

Money

Hi Vivek my name is Anand and Iam 48 yrs old. I am investing monthly 32165/- in the following funds. DAY AMT SCHEME 1 1000 SBI Small Cap Fund-Direct-Growth 2 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 1000 DSP Midcap Fund-Direct-Growth 1000 Mirae Asset Large Cap Fund Direct Plan Growth 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 6 7 1000 SBI Small Cap Fund-Direct-Growth 8 9 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 10 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 11 1250 DSP Midcap Fund-Direct-Growth 12 1250 Mirae Asset Large Cap Fund Direct Plan Growth 13 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 14 15 1000 SBI Small Cap Fund-Direct-Growth 16 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 17 1250 DSP Midcap Fund-Direct-Growth 18 1250 Mirae Asset Large Cap Fund Direct Plan Growth 19 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 20 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 21 1000 SBI Small Cap Fund-Direct-Growth 22 23 24 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 25 1000 DSP Midcap Fund-Direct-Growth 26 1000 SBI Small Cap Fund-Direct-Growth 27 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 28 1000 Mirae Asset Large Cap Fund Direct Plan Growth I am planning for next 10 years and how much corpus can I get after 10 years.

Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

See more questions »

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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