Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 09, 2021

Mutual Fund Expert... more

Question by Shyamala on Dec 09, 2021Hindi

Money

I am 40 years old.

I am investing in mutual funds for my two daughters's studies (now in Class 6), their marriage and for our retirement at the age of 60.

I have been investing in these mutual funds for the past two years.

Company Plan Type Price

Kotak Flexicap Fund Direct Plan (Growth) Rs 5,000

SBI Blue Chip Fund Direct Plan (Growth) Rs 5,000

Aditya Birla Sun Life Frontline Equity Fund Direct Plan (Growth) Rs 5,000

Aditya Birla Sun Life Frontline Equity Fund Direct Plan (Growth) Rs 5,000

SBI Flexi Cap Fund Direct Plan (Growth) Rs 5,000

HDFC Small Cap Fund Direct Plan (Growth) Rs 5,000

Axis Midcap Fund Direct Plan (Growth) Rs 5,000

Last month, I have started these two funds.

1. DSP US Flexible Equity Fund, Direct Plan (Growth) -- Rs 2,500

2. Edelweiss Greater China Equity Offshore Fund, Direct Plan (Growth) -- Rs 2,500

Are my fund choices good for the investment period of 10-15 years to meet my requirements?

Ans: These are fine. However, they would need to be reviewed after six months.

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.

MoneyReply

You may like to see similar questions and answers below

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on May 13, 2022

Question by Harish - May 13, 2022Hindi

Money

I am 37 years old. I have been investing in Mutual Funds since June 2017. I am an aggressive investor ready to take risks. My investment horizon is long term. I am investing for my Son's higher education which is 13 years away and also for my retirement which is 23 years away. My portfolio comprises of the following mutual funds. 1) HDFC Midcap Opportunities fund Regular growth - ₹4100/- per month with top up of 10% every year. 2) L&T hybrid equity fund Regular growth - ₹5000/- per month with top up of ₹500/- every year. 3) Aditya Birla Sun Life pure value fund Regular growth - ₹4500/- per month with top up of ₹500/- every year. 4) L&T Midcap Fund Regular growth -₹6000/- per month with top up of ₹500/- every year. 5) L&T Emerging Businesses Fund Regular growth -₹6000/- per month with top up of ₹500/- every year. 6) L&T Tax Advantage fund Regular growth -₹4500/- per month with top up of₹500/- every year. 7) Aditya Birla Sun Life Tax Relief '96 fund Regular growth - ₹5000/- per month with top up of ₹500/- every year. 8) UTI Flexi Cap fund Direct growth - ₹1000/- per month. 9) DSP Midcap fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 10) DSP Equity Opportunities fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 11) DSP Flexi Cap fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 12) Aditya Birla Sun Life Equity Advantage fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 13) Aditya Birla Sun Life Flexi Cap fund - Direct growth - ₹1000/- per month with top up of ₹1000/- every year. 14) ICICI Prudential Technology Plan Direct growth - ₹1000/- per month. 15) Nippon India Small Cap fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 16) Kotak Emerging Equity fund Direct growth plan - ₹1000/- per month with top up of ₹500/- every year. 17) L&T Flexi Cap fund Direct Growth plan - ₹1000/- per month. Am I on the right track/path of investing? Please suggest necessary changes in the above portfolio if any or should I continue with the above mutual funds.Also suggest which funds should I Add/Remove from the above portfolio.

Ans: Too many funds, keep 1 fund in same / similar category. No further addition please!

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 17, 2020

Question by Shailesh - Jan 17, 2020Hindi

Money

I am 39 years old. I am investing in following mutual funds: Name of the Fund Category RankMF Star Rating 1) HDFC Small Cap Fund Equity - Small cap Fund 2 2) Axis Bluechip Fund. Equity - Large Cap Fund 4 1) Tata Digital India Fund Equity - Thematic Fund - Other 5 2) Axis Bluechip Fund Equity - Large Cap Fund 4

Ans: 4 and 5 star funds can be continued; better small cap options are as under:

Small Cap:

Kotak Small Cap fund – growth
Axis Small Cap fund -growth

Hemant Bokil | Answer |Ask -Follow

Financial Planner - Answered on Apr 27, 2023

Question by chittanand - Mar 28, 2023Hindi

Money

DEAR MR.BOKIL I AM INVESTING MUTUAL FUNDS FRANKLIN PRIMA GROWTH -4000 PGIM INDIA GLOBAL EQUITY -2000 SBI BALANCED ADVANTAGE FUND 1000 KOTAK SMALL CAPS -GROWTH 1000 ICICI PRUDENTIAL -EQUITY GROWTH -1000 HDFC MUTUAL FUND GROWTH 2000 KOTAK MUTUAL FUND-MI CAP 3000 LAST 10YEARS HOLDING SBI -165 SHARE TATA MOTORS -50 TATAPOWER 75 CANARA BANK -75 ADANI PORT-25 COAL INDIA -25 KINDLY ADVICE MY AGE

Ans: Hello Mr Chittanand , Glad to see you are already into investing. Kindly reduce number of schemes and same nature schemes. As far as shares are concerned portfolio looks good but do book profits when you get them.
Kindly let me know what advice you need as your question does not say so

Ramalingam Kalirajan |8077 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.

Milind Vadjikar |1086 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 30, 2024

Question by Sanjeev - Oct 04, 2024Hindi

Money

Hi Myself Sanjeev Kumar from Himachal Pradesh, I am in mutual funds from last 3 years on below mutual funds 1. Aditya birla multicap fund (regular growth) ---- Rs 1000 monthly 2. Invesco India flexi Cap fund (Plan growth) ------ Rs 1000 monthly 3. Invesco India Multicap fund (regular growth) ---- Rs 1000 monthly 4. Kotak multicap fund (regular) ------------------------- Rs 1000 monthly 5. Kotak emerging equity fund (growth) --------------- Rs 1000 monthly 6. Kotak ELSS tax saver fund ------------------------------- Rs 500 monthly 7. Union tax saver fund (ELSS) ---------------------------- Rs 1500 monthly 8. Bandhan Nifty 200 momentum 30 index fund (regular plan) --- Rs 1000 monthly (started a month ago) Apart from above, I am investing in below also 1. PPF ---------------- 1.5 lac annually 2. NPD ---------------- 0.5 lac annually 3. LIC ----------------- 0.5 lac annually Si/mam i want to ask is my portifoilio good enough to produce at least 60- 70 lakhs in next 10-12 years returns or some reshuffling is required. If yes kindly suggest some good funds. Hoping to hear from you soon Thanks

Ans: Hello;

Your mutual fund monthly sip of 8 K need to be increased to 10 K ( maybe you can add 2 K additional investment in Kotak ELSS tax saver fund).

PPF and other investment should continue as planned.

This will ensure your MF corpus + PPF will reach 60 L+ in value over 12 years.

LIC policy maturity sum and NPD will be bonus.

Funds are good. No need to change.

Happy Investing;

Latest Questions

Prof Suvasish Mukhopadhyay |457 Answers |Ask -Follow

Career Counsellor - Answered on Mar 04, 2025

Asked by Anonymous - Feb 28, 2025Hindi

Career

Sir I scored 88 percentile in mains 1 session and belong to obc catagory . Which college I get to btech CSE or NIT with lower branch

Ans: In low ranked NITs and State Government Engineering Colleges you will have good chance.

Prof Suvasish Mukhopadhyay |457 Answers |Ask -Follow

Career Counsellor - Answered on Mar 04, 2025

Question by dr - Feb 24, 2025Hindi

Career

Is school integrated program of gravity good for jee in lko

Ans: Your question is not clear

Prof Suvasish Mukhopadhyay |457 Answers |Ask -Follow

Career Counsellor - Answered on Mar 04, 2025

Asked by Anonymous - Feb 24, 2025Hindi

Career

Hello what is the cutoff percentage for Computer science branch in NIT for SC category

Ans: Check in the respective website of the particular NIT.If you don't get please communicate with the director of that NIT through mail and get the mail ID of the Director from the website of the respective NIT.

Prof Suvasish Mukhopadhyay |457 Answers |Ask -Follow

Career Counsellor - Answered on Mar 04, 2025

Asked by Anonymous - Feb 24, 2025Hindi

Career

Sir, my son scored 92.27 percentile in jee mains Ist attempt with OBC ncl category. My home state is M.P. what are my best possibilities to get nits or IIIT.

Ans: He should get relatively low ranked NITs.

Prof Suvasish Mukhopadhyay |457 Answers |Ask -Follow

Career Counsellor - Answered on Mar 04, 2025

Question by V - Mar 03, 2025Hindi

Career

Hello Sir, my daughter is in ICSE grade 7th. She doesn't like Math, but has a deep liking for physics , chemistry, biology and computer science. What are the possible career options she can have in science field if she drops Math and chooses economics science and computers in 10th board

Ans: Since she doesn't like math don't give her computer course.She can go for Economics, Biotechnology, Biochemistry and Microbiology.

Prof Suvasish Mukhopadhyay |457 Answers |Ask -Follow

Career Counsellor - Answered on Mar 04, 2025

Asked by Anonymous - Mar 03, 2025Hindi

Career

Are NITs better than IITs? What about IIITs? What is the difference? What is the eligibility criteria to get into NITs? Can you please share some insights?

Ans: Old NITS are hundreds times better than new IITS.IIIT is a relatively new concept.Prefer good NITs.For NITs you need a decent percentile in JEE MAIN.

Prof Suvasish Mukhopadhyay |457 Answers |Ask -Follow

Career Counsellor - Answered on Mar 04, 2025

Asked by Anonymous - Feb 25, 2025Hindi

Career

Can i get NIT integrated physics with 93.48 JEE mains score. Female, General category and telangana home state

Ans: Yes,you should get it surely.Because most of the higher percentiles will go for engineering.

Prof Suvasish Mukhopadhyay |457 Answers |Ask -Follow

Career Counsellor - Answered on Mar 04, 2025

Asked by Anonymous - Nov 13, 2024Hindi

Career

Hello, I am doing MBBS in Georgia and I could not give fmge in India as NEET is not qualified so what could me the career option in India or in Canada ?

Ans: Try for Canada only.India will be difficult for you.

Prof Suvasish Mukhopadhyay |457 Answers |Ask -Follow

Career Counsellor - Answered on Mar 04, 2025

Asked by Anonymous - Mar 04, 2025Hindi

Career

Dear sir mere january attempt main 97.34 Percentile hai aur main SC catagory se hu kya mujhe achi NIT mil sakti hai

Ans: Yes, certainly you will get top ranking NITs.

Prof Suvasish Mukhopadhyay |457 Answers |Ask -Follow

Career Counsellor - Answered on Mar 04, 2025

Asked by Anonymous - Mar 04, 2025Hindi

Career

Sir my son got 99.78 percentile in jeemains 2025 .which nit in cse branch will get

Ans: I think he will get CSE in all NITs.

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x