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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Jan 17, 2020

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Rahul Question by Rahul on Jan 17, 2020Hindi
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I am 40 years and investing Rs 10K each monthly MF SIPs in following 2 funds since last 3 years. Need your advice, shall I continue the same or redeem/switch?

Name of the Fund Category RankMF Star Rating
1. ICICI Pru Focus Bluechip Equity - Large Cap Fund 3
2. Franklin India Equity Fund - Growth Equity - Multi Cap Fund 3
1. SBI Focused Equity Fund Equity - Focused Fund 5
2. Axis Focused 25 Fund  Equity - Focused Fund 5
3. Canara Robeco Emerging Equities Fund  Equity - Large & Mid Cap Fund 4
4. Sundaram Select Focus Fund Equity - Focused Fund 4
5. Mirae Asset Emerging Bluechip Fund  Equity - Large & Mid Cap Fund 4
6. Axis Midcap Fund Equity - Mid Cap Fund 4
7. Sundaram Services Fund Equity - Sectoral Fund - Service Industry 4

Ans: 3 rated schemes need to be reconsidered from the ones below.

Equity - Large Cap Fund:

  • Mirae Asset Large Cap Fund – Growth
  • Axis Bluechip Fund – Growth
  • LIC Largecap Fund – Growth

Multicap: Suitable options considering quality and value for money at present levels are:

  • UTI Equity Fund – Growth
  • Motilal Oswal Multicap 35 – Growth
  • Parag Parikh Long Term Equity 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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Ramalingam

Ramalingam Kalirajan  |10881 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  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 09, 2024

Asked by Anonymous - Dec 09, 2024Hindi
Money
Dear Rediff guru. I am 51 years and new to the field of MF investment with not high knowledge about SIP investment in MF. I started my SIP in MF about 3 years ago and, based on the advice of the fund advisor, I am currently investing through SIP a monthly amount of Rs. 20000 in Kotak Blue chip fund – 5000, Tata Large & Mid Cap – 4000, Invesco India Multi Cap – 4000, PGIM India Mid cap – 4000 and AXIS Small cap – 3000. Now some of my close friends / relative are advising me to review my SIP in these funds as some of them are not giving good returns. They are also advising me to switch over to some other MF without redeeming the present fund. I am quite confused as the funds wherein I started investing was doing decent at that point of time. I am confused whether I should stick to the current MF with the SIP amount as given above or I should go for some other funds. Please advise. My investment horizon is may be another 8 to 10 years.
Ans: Your mutual fund portfolio has a mix of large-cap, large- and mid-cap, multi-cap, mid-cap, and small-cap funds. This diversification strategy is a good approach, especially for a beginner. Your monthly SIP of Rs. 20,000 is distributed effectively across different categories, aligning with long-term investment principles. However, periodic reviews are essential to ensure optimal performance and alignment with your goals.

Here’s a detailed analysis and guidance:

Assessment of Current SIP Investments
Kotak Bluechip Fund (Rs. 5,000):

Large-cap funds provide stability and are less volatile.

Retain this fund if its performance is consistent with its benchmark and category peers.

Tata Large & Mid Cap Fund (Rs. 4,000):

These funds combine stability and growth by investing in large- and mid-cap stocks.

Review its performance and continue if it is competitive within its category.

Invesco India Multi Cap Fund (Rs. 4,000):

Multi-cap funds provide diversification across market caps.

If its returns are below average for its category, consider switching to a better-performing fund.

PGIM India Mid Cap Fund (Rs. 4,000):

Mid-cap funds offer higher growth potential but can be volatile.

Retain this fund if your risk tolerance supports it and its performance is consistent.

Axis Small Cap Fund (Rs. 3,000):

Small-cap funds are high-risk, high-reward investments and perform well over long horizons.

Continue investing if your risk appetite aligns and its returns remain satisfactory.

Steps to Streamline Your Portfolio
Avoid Duplication:

Review overlapping funds in similar categories like large-cap and large- and mid-cap funds.

Consolidate investments in one or two strong performers within a category.

Minimise Small-Cap Exposure:

Limit small-cap investments to 10-15% of your portfolio.

This reduces risk and ensures stability, especially closer to retirement.

Focus on Core Funds:

Increase allocation to large-cap and multi-cap funds for stability and consistent returns.

These funds form the foundation of a robust portfolio.

Track Fund Performance Regularly:

Assess fund performance against benchmarks and peer funds.

Underperforming funds can be replaced with better options.

Diversify Across Investment Styles:

Your portfolio can include flexi-cap or balanced advantage funds.

These funds adjust their asset allocation dynamically based on market conditions.

Addressing Concerns from Friends and Relatives
While advice from peers is valuable, rely on objective criteria for fund selection.

Performance, risk-adjusted returns, and consistency are more critical than temporary trends.

Avoid switching funds hastily; review long-term performance and investment goals first.

Suggestions for Optimisation
Consider Balanced Funds:

Add hybrid or balanced advantage funds for reduced risk and consistent returns.

These funds offer stability during market downturns.

Evaluate Debt Funds:

Debt funds can complement your portfolio by providing stability and liquidity.

These funds are especially useful for goals with shorter horizons.

Tax Efficiency:

LTCG above Rs. 1.25 lakh on equity mutual funds is taxed at 12.5%.

Plan redemptions and switches carefully to minimise tax liability.

Staying Disciplined and Focused
Stick to your long-term investment horizon of 8–10 years.

Avoid chasing high returns or switching funds frequently based on short-term trends.

Monitor your portfolio annually to ensure alignment with goals.

Final Insights
Your portfolio shows good intent and initial planning. With minor adjustments and disciplined investing, it can achieve your financial goals. Reduce overlapping funds, optimise tax efficiency, and focus on stability as you near retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

Nayagam P P  |10854 Answers  |Ask -

Career Counsellor - Answered on Dec 14, 2025

Asked by Anonymous - Dec 12, 2025Hindi
Career
Hello, I am currently in Class 12 and preparing for JEE. I have not yet completed even 50% of the syllabus properly, but I aim to score around '110' marks. Could you suggest an effective strategy to achieve this? I know the target is relatively low, but I have category reservation, so it should be sufficient.
Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

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Dr Dipankar

Dr Dipankar Dutta  |1841 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025
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Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure
Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

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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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