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Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on May 24, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more

Question by Bharat on May 22, 2023Hindi

Money

I am 37 years old. Started investing in mutual funds 1.5 years back. My portfolio includes a) Aditya Birla Sun Life Focussed Equity Fund (1k pm) b) Bandhan Tax Advantage Fund (1k pm) c) Canara Robeco Equity Tax Saver Fund (1k pm) d) DSP Tax Saver Fund (1k pm) and e) Mirae Asset Tax Saver Fund (2k pm) I would like to increase the SIP investment by around 25% per year. Could you guide me whether I should increase my investments per month in the above mentioned mutual funds, or invest in other mutual funds which are providing better returns

Ans: Hello Bharat. I would advice few changes in your portfolio, reconsider your schemes in ABSL AMC. You can consider categories such as Multi cap and mid cap funds.

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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Question by Ajju - Apr 11, 2022Hindi

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I have made the following investments in Mutual Funds recently. Please let me know if it is good to go. Also please let me know if i can increase the SIP Amount over and above the below mentioned amount. My aim is Long Term. Fund Name Plan Initial Investment SIP-Monthly Axis Small Cap Fund Growth 5,000.00 3,000.00 Canara Robeco Bluechip Equity Fund Growth 5,000.00 3,500.00 HDFC Index Sensex Plan-Growth 5,000.00 3,500.00 Paragh Parikh Flexi Cap Fund Growth 5,000.00 5,000.00

Ans: Funds are very good, please continue

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Mutual Fund Expert - Answered on May 10, 2023

Question by RISHU - Apr 11, 2023Hindi

Money

Dear Sir, I have been investing 16000/- per month in Four Mutual Funds under SIP since last one year. Pls suggest whether i should continue with the below mentioned funds or to change to some other funds: 1.Kotak Emerging Equity Fund - Direct Plan - Growth - Equity- Diversified 2.Parag Parikh Flexi Cap Fund - Direct Plan - Growth - Equity - Diversified 3.Mirae Asset Tax Saver Fund - Direct Plan - Growth - Equity - ELSS 4.DSP Quant Fund - Direct Plan - Growth - Equity - Diversified Further I want to increase monthly SIP to total 25000/-. Pls suggest new funds which should i opt for generation of good corpus after 10 years.

Ans: Hello Rishu, thanks for writing to me. The funds you invest in are good funds. As you want to increase your investment by Rs.9,000 every month, you can consider beginning investments in:

1-Edelweiss NIFTY Quality 100 30 Index Fund: Rs.3,000 per month
2-SBI Focused Equity Fund: Rs.3,000 per month
3-Motilal Oswal Focused Fund: Rs.3,000 per month.

Ramalingam Kalirajan |7720 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 02, 2024

Asked by Anonymous - Feb 19, 2024Hindi

Money

Hi, I am 38 years old and investing 10k per month in SIP's for the past 2 years. The funds include 1. Aditya Birla Sun Life Digital India Fund-1.5K 2. Bandhan Tax Advantage Fund-1K 3. Canara Robecco ELSS Tax Saver-1K 4. DSP ELSS Tax Saver-1K 5. ICICI Prudential Technology Fund-2K 6. Mirae Asset ELSS Tax Saver Fund-2K 7. Nippon India Small Cap Fund-1.5K I want to increase monthly SIP to 15k from April onwards. Let me know if the current portfolio is fine. Should I increase my contribution in the existing funds, or should I look out for newer ones

Ans: Increasing your SIP to 15k per month is a positive step towards boosting your investment portfolio. However, before making any changes, it's crucial to evaluate the performance of your current funds and assess whether they continue to align with your investment goals and risk tolerance.

Consider reviewing the performance of each fund, analyzing their holdings, and ensuring that your portfolio remains well-diversified across different sectors and market segments. Based on your analysis, you may choose to increase your contributions to some existing funds or explore adding new funds to further diversify your portfolio.

Consulting with a financial advisor can provide valuable insights and help you make informed decisions about adjusting your investment strategy to optimize returns and achieve your financial objectives effectively.

Ramalingam Kalirajan |7720 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 02, 2024

Asked by Anonymous - Feb 28, 2024Hindi

Money

I have been investing in following 6 mutual funds, my risk appetite is strong. Can I increase the monthly SIP to 10,000 for each of them? Are they worth investing? Axis Midcap Direct Plan-Growth Quant Small Cap Fund Direct Plan-Growth HDFC Index Fund Nifty 50 Plan Direct-Growth ICICI Prudential Technology Direct Plan-Growth Bandhan Nifty 50 Index Fund Direct Plan-Growth PGIM India Midcap Opportunities Fund Direct-Growth

Ans: Increasing your SIP to 10,000 for each of the six mutual funds may not be advisable. It's important to consider the overall diversification of your portfolio and avoid overconcentration in specific sectors or market segments.

Review the performance of each fund, assess their alignment with your investment goals, and evaluate whether any adjustments are needed. Consider consulting with a financial advisor to ensure your investment strategy remains well-balanced and optimized for your risk appetite and financial objectives.

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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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