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Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on Jan 22, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Question by MANOJ on Jan 11, 2024Hindi

Money

I am 45 years old and work in Private sector. I am currently investing in the following funds through SIP and lump sum for last 2 years Please advoice me that I have continue or change- 1-DSP Multi Asset Allocation Fund Regular plan -100000/ 2-SIP 5000/ Mahindra Manulife Large & Mid Cap Fund Regular 3-SIP 2500/ SBI Flexicap Fund Growth Regular

Ans: The data provided by you is not sufficient for rendering any kind of suggestion or conduct any analysis. Suggestion can be given out after knowing goal requirement in diverse staggered manner time frame. Risk profiling also plays a crucial role in deciding the choice of investment solutions.

Although the fund held by you are good in fundamentals and have delivered favourable and decent returns as per the market scenario, I highly recommend consulting a certified financial advisor who can provide personalized advice based on your risk tolerance, financial goals, and specific circumstances.

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 Apr 05, 2022

Question by Nava - Apr 05, 2022Hindi

Money

I am 49 years old and Govt. service holder. I am currently investing in the following funds through SIP and lump sum for last 4 years. Please review my portfolio and suggest if I should continue or change? 1. Sundaram Large and Midcap Fund - Rs. 1500/- SIP 2. Aditya Birla Sun Life Focused Equity Fund - Rs. 1500/- SIP 3. Axis Mid Cap Fund - Rs. 1500/- SIP 4. SBI Flexi Cap Fund - Rs. 1500/- SIP 5. Nippon India Small Cap Fund - Rs. 50,000/- Lump sum (in 2018) 6. Tata Digital India Fund - Rs. 50,000/- Lump sum (in 2019) 7. Axis Small Cap Fund - Rs. 1,00,000/- Lump sum (in 2020) 8. DSP Small Cap Fund - Rs. 50,000/- Lump sum (in 2020) 9. DSP Natural Resources and New Energy Fund- Rs. 1,00,000/- Lump sum (in 2019)

Ans: Please continue

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 10, 2022

Question by Pranabananda - Jun 10, 2022Hindi

Money

I am 48. Sir I have SIP in the following funds. Please let me know if I should continue or need to do any change in my investment. 1) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND-GROWTH Rs.1000 13.06.2016 (date) 2) DSP MID CAP FUND--GROWTH Rs.3000 12.06.2017 3) HDFC MID CAP OPPORTUNITIES FUND-GROWTH Rs.2000 20.12.2016 4) ICICI PRUDENTIAL VALUE DISCOVERY FUND-GROWTH Rs.1000 14.06.2016 5) MIRAE ASSET EMERGING BLUECHIP FUND-GROWTH Rs.1000 14.06.2016 6) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.2000 19.12.2016 7) HDFC CHILDRENS GIFT FUND-GROWTH Rs.1000 13.06.2016 8) AXIS FLEXI CAP FUND-GROWTH Rs.3000 02.06.2021 9) MIRAE ASSET HYBRID-EQUITY FUND-GROWTH Rs.1500 02.06.2021 10) MIRAE ASSET MIDCAP FUND-GROWTH Rs.3000 05.07.2021 11) NIPPON INDIA SMALL CAP FUND -GROWTH Rs.1000 26.12.2017 Sir I have invested lump sum amount in the following funds. Please suggest whether to continue or exit. 1) ADITYA BIRLA SUN LIFE BANKING AND FINANCIAL Rs.50,000 22.08.2016 (date) Rs.79,647 (present value) SERVICES FUND-GROWTH 2) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY Rs.50,000 22.08.2016 Rs.87,455 FUND-GROWTH 3) ADITYA BIRLA SUN LIFE SMALL CAP FUND-GROWTH Rs.100,000 29.06.2017 Rs.132,490 4) HDFC HYBRID EQUITY FUND-GROWTH Rs.120,273 01.06.2018 Rs.178,746 5) ICICI PRUDENTIAL BLUECHIP FUND-RETAIL-GROWTH Rs.20,042 22.02.2018 Rs.31,422 6) L&T INDIA VALUE FUND-GROWTH Rs.25,000 22.08.2016 Rs.48,505 7) L&T INDIA VALUE FUND-GROWTH Rs.150,000 17.04.2017 Rs.245,565 8) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.25,000 22.08.2016 Rs.61,878 9) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.105,000 28.04.2017 Rs.216,372 10) ADITYA BIRLA SUN LIFE PURE VALUE FUND-GROWTH Rs.50,000 06.11.2018 Rs.65,281 11) ADITYA BIRLA SUN LIFE TAX RELIEF 96-GROWTH Rs.100,000 06.11.2018 Rs.128,895 12) L&T EMERGING BUSINESS FUND-GROWTH Rs.100,000 13.12.2017 Rs.155,097 13) MIRAE ASSET BANKING & FINANCIAL Rs.264,987 16.12.2020(STP) Rs.273,346 SERVICES FUND-GROWTH 14) MIRAE ASSET BANKING & FINANCIAL Rs.50,000 23.11.2021 Rs.44,129 SERVICES FUND-GROWTH 15) MIRAE ASSET GREAT CONSUMER FUND-GROWTH Rs.180,000 13.12.2017 Rs.284,600 16) MIRAE HEALTHCARE FUND-GROWTH Rs.200,000 09.11.2018 Rs.401,429 17) MIRAE ASSET MIDCAP FUND-GROWTH Rs.235,462 9.12.2020(STP) Rs.280,601 18) NIPPON INDIA SMALL CAP FUND-GROWTH Rs.100,000 12.12.2017 Rs.178,693 19) TATA FLEXI CAP FUND-GROWTH Rs.100,000 09.11.2018 Rs.149,127 20) TATA INDIA CONSUMER FUND-PLAN A-GROWTH Rs.100,000 09.11.2018 Rs.141,382 21) UTI SMALL CAP FUND-GROWTH Rs.100,523 22.12.2020(STP) Rs.137,025

Ans: Too many funds, please consolidate it in 4 to 5 funds

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 08, 2022

Question by Parminder - Aug 08, 2022Hindi

Money

I am 30 year old and currently investing 17k sip monthly in following fund and apart from this I put lump sum in this fund 15k 25k total whenever market corrects. Investment horizon 20 - 25 years. Planning for retirement @55 age. 1) Parag Parikh Flexi cap Rs 3k sip 2) HDFC corporate bond fund Rs 2k sip 3) ICICI pru saving fund Rs 2k sip 4) Axis mid cap Rs 2k sip 5) Axis bluechip Rs 1k sip 6) Quant absolute fund Rs 2k sip 7) Mirae asset emerging bluechip Rs 1k sip 8) Sbi small cap Rs 1k sip 9) Nippon India gold saving Rs 1k sip 10) Nippon India tax saver Rs 1k sip 11) Parag Parikh tax saver 1k sip Please suggest if I should make any changes or continue with same strategy.

Ans: Continue but with lesser funds; four to six funds are adequate for diversification purpose, after that it drags down the returns of the portfolio.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Sep 14, 2020

Question by Sivakumar - Sep 14, 2020Hindi

Money

I have invested in the below funds via SIP. Need guidance if I can continue or should I switch LumpsumSBI Magnum Global Fund (D)HDFC Midcap Opportunities - Regular plan (G)SBI Gold fund - Regular planSBI Focussed Equity Fund - Regular plan (G)Franklin India Equity Fund (G)SIPICICI Prudential Bluechip Fund (G)HDFC Capital Builder Value fund - Regular plan (G)Principal Multi cap Growth fund - Regular planHDFC Capital Builder value fund (G)HDFC Midcap opportunities - Regular plan (G)SBI Magnum Gilt Fund regular growthL&T Midcap fund cumulativeICICI Prudential Regular Savings fund (G)MIRAE Asset Emerging Blue chip fund – Regular plan (G)Axis Bluechip Fund – Regular plan (G)

Name of the Fund	Category	Recommendations
Sivakumar
SBI Magnum Global Fund (D)	Equity - Thematic Fund - MNC	Continue
HDFC Midcap Opportunities - Regular plan (G)	Equity - Mid Cap Fund	Continue
SBI Gold fund - Regular plan	FoFs (Domestic / Overseas ) - Gold	Continue
SBI Focussed Equity Fund - Regular plan (G)	Equity - Focused Fund	Continue
Franklin India Equity Fund (G)	Equity - Multi Cap Fund	SmartSwitch to UTI Equity Fund - Growth
ICICI Prudential Bluechip Fund (G)	Equity - Large Cap Fund	SmartSwitch to Axis Bluechip fund -Growth
HDFC Capital Builder Value fund - Regular plan (G)	Equity - Value Fund	SmartSwitch to UTI Value Fund
Principal Multi cap Growth fund - Regular plan	Equity - Multi Cap Fund	SmartSwitch to UTI Equity Fund - Growth
HDFC Capital Builder value fund (G)	Equity - Value Fund	SmartSwitch to UTI Value Fund
HDFC Midcap opportunities - Regular plan (G)	Equity - Mid Cap Fund	Continue
SBI Magnum Gilt Fund regular growth	Debt - Gilt Fund	Continue
L&T Midcap fund cumulative	Equity - Mid Cap Fund	SmartSwitch to DSP Mid Cap
ICICI Prudential Regular Savings fund (G)	Hybrid - Conservative Hybrid Fund	Continue
MIRAE Asset Emerging Blue chip fund – Regular plan (G)	Equity - Large & Mid Cap Fund	Continue
Axis Bluechip Fund – Regular plan (G)	Equity - Large Cap Fund	Continue

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Hello, I'm about to finish my third year in b.a. in economics, I want to earn money with a settled job for my parents. I'm confused rn, I want to prepare for SSC CGL, and earn good, but I fear of taking a gap after my graduation, since my college is very strict towards attendance and load is too much thus I don't want to go there again for my pg, idk if I should do private MBA or ma in economics or any other diploma in computer related or finance related course while simultaneously doing my preparation since I don't want to do nothing while sitting at home.(Btw I'm from Agra and it's getting hard for me to find good college where I can do my Master's in economics non-regular mode in reasonable fee)

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Hi Sir, My Son is studying in 11th std with PCMCs and preparing both for NATA and CET. He was an average student in tenth scoring 55%, we are hoping for better performance in his 12th board. Currently we are staying in Bangalore. We need your suggestion in choosing between BArch or BE (Civil/Mech/Electrical). Which one will be better for him in difficulty level, fee structure, future job prospects and if he wants to Masters, whether he can continue in India or abroad. If abroad which countries or university are good for him for masters. Thank you

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Asked by Anonymous - Jan 29, 2025Hindi

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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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