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Ulhas Joshi | Answer |Ask -Follow

Mutual Fund Expert - Answered on Jul 14, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more

Question by Barinder on Mar 22, 2023Hindi

Money

Hi, I am 48 years old and started investing Rs. 20,000/- per month (SIP) since last 6 months in the following schemes (Rs. 5000/- in each) 1. Mirae Asset Large Cap Fund - Direct Plan - Growth 2. Kotak Business Cycle Fund-Direct Plan-Growth 3. SBI Flexi Cap Fund - Regular Plan - Growth 4. SBI Large & Midcap Fund Regular Growth I am willing to continue for minimum 10 years. Are these funds good for long term or should i need to switch to some other MFs? Please suggest.

Ans: Hello and thanks for writing to me. The funds you invest in are good funds and you can continue to invest in them.

Please let me know your objectives for investing and I may recommend other 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 Amulya - Jun 15, 2022Hindi

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I am 32 years old and working in a middle management position in a PSU. I am investing in the following MFS through monthly SIPS @ Rs 7500 each. Please suggest the appropriateness of these funds for realising my long term goal of wealth creation. I am investing for the past over 3 years and can continue for another 7 odd years. 1. ABSL FRONTLINE EQUITY FUND - DIR- GROWTH 2. AXIS FOCUSED 25 FUND - DIR- GROWTH 3. HDFC MIDCAP OPPORTUNITIES FUND - DIR- GROWTH 4. ICICI PRU BAL ADVANTAGE FUND - DIR- GROWTH [LUMP SUM, NO SIPS] 5. ICICI PRU EQTY & DEBT FUND- DIR- GROWTH 6. MIRAE ASSET LARGECAP FUND -DIR-GROWTH 7. PARAG PARIK FLEXICAP FUND - DIR- GROWTH 8. SUNDARAM LARGE & MIDCAP FUND - DIR - GROWTH 9. SBI SMALL CAP FUND - DIR- GROWTH.

Ans: Please continue

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Head, Rank MF - Answered on Dec 20, 2019

Question by Amit - Dec 20, 2019Hindi

Money

I want to know that I am investing Rs 12000 on monthly basis as SIP in following funds: I am investing in them for more than 2 years and Rs 3000 each. Kindly let me know whether these are good funds for investment for long-term basis (15+ years) or should I change it to other plan? My age is 41 years. Waiting for your valuable feedback. Name of the Fund Category RankMF Star Rating HDFC Top 100 Fund (Direct) Equity - Large Cap Fund 4 ABSL Frontline Equity (Direct) Equity - Large Cap Fund 4 ABSL Midcap (Direct) Equity - Midcap Fund 2 ABSL Tax Relief 96 (Direct) Equity - ELSS 4

Midcaps: Suitable options considering quality and value for money are:

Motilal Oswal Midcap 30
DSP Midcap
Kotak Emerging Equity Fund

Large Caps:

LIC MF Large Cap Fund – Growth
Mirae Asset Large Cap Fund - Growth

ELSS: Motilal Oswal Long Term Equity Fund

Focused:

Axis Focused 25
DSP Focused Fund

Multicaps: Suitable options considering quality and value for money are:

Motilal Oswal multicap 35
Axis Mutlicap
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Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on Jul 23, 2023

Asked by Anonymous - Jun 16, 2023Hindi

Money

Hello Sir, I am investing the following in MF SIP's every month. 3000-Axis Small cap, 50000 - Canara Robeco Bluechip, 30000 - Canara Robeco Flexicap, Parag Parikh Flexicap - 30000, 10000 - Nippon Pharma, 5000-Kotak Emerging Equity, 30000 - PGIM Flexicap, 20000 - UTI Flexicap. Are these funds good for long term investment, 5-10 years. How much amount can I expect from this investment. Please advise. Thanks Sir !

Ans: Your portfolio is a mix of different category of mutual funds like large-cap, mid-cap, small-cap, and thematic funds which indicates you have well diversified your portfolio. Diversification can help reduce risk and improve the potential for returns.

Investment for long term in equity funds gives good return. We suggest you to stay invested for 5-10 years and you can expect 12-14% CAGR from your portfolio while in the short term you may see volatility as expected of equity investments.

However it is essential to keep reviewing your portfolio periodically and track the performance of particular mutual funds and make adjustments if required.

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Question by Stalin - Feb 27, 2025Hindi

Money

Hello Sir... Good Morning... Currently I am doing SIP in the below mentioned 4 Funds for Rs 5000/- Each (ir Rs 20000/- Monthly) : 1. Axis Mid Cap Fund - Direct Growth 2. Mirae Asset Large and Midcap Fund (formerly Mirae Asset Emerging Bluechip Fund) - Direct Plan 3. Parag Parikh Flexi Cap Fund - Direct Plan 4. SBI Small Cap Fund Direct Growth Please advise if this funds are good to continue my investment. I am investing in this funds since last 3 years and wish to continue atleast for next 7 to 10 years.

Ans: Hello;

Your choice of funds looks okay for now however do not fail to review their performance vis-a-vis category average and benchmark for risks & returns every year.

Happy Investing;

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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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