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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 17, 2020

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Question by niraj on Jan 17, 2020Hindi

Money

Please advise (exit or further invest) for the following mfs. Please let me know which ones to exit and where to invest more. I want to invest around 5-6 lakh.

Name of the Fund Category RankMF Star Rating

axis bluechip fund Equity - Large Cap Fund 4

mirae asset emrgingbluechip fund Equity - Large & Mid Cap Fund 4

mirae asset large cap fund Equity - Large Cap Fund 5

icicipru value discovery fund Equity - Value Fund 3

icicipru multi asset fund Hybrid - Multi Asset Allocation 4

absf equity fund Equity - Multi Cap Fund 4

axis long term equity fund Equity - ELSS 5

hdfc equity fund Equity - Multi Cap Fund 4

icicipru long term equity fund Equity - ELSS 3

dsp equity fund Equity - Multi Cap Fund 4

dsp tax saver fund Equity - ELSS 4

hdfc balanced advantage fund Hybrid - Balanced Advantage 4

hdfc hybrid equity fund Hybrid - Aggressive Hybrid Fund 5

Ans: You may continue with 4 and 5 star rated funds; for 3 star ones you can consider these.

Top 2 Equity value funds are (4-Star rated)

Tata Equity PE fund
UTI value opportunity funds

ELSS:

Canara Robeco Equity Tax Saver Fund - Growth
Axis Long Term Equity Fund - Growth
Motilal Oswal 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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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 04, 2021

Question by SACHIN - Jan 04, 2021Hindi

Money

I have the following investments in MF since few years ... should i continue or switch to some other MFs...please advise ICICI Prudential MF multi asset fund - growth - 89K multi asset fund DP growth - 1.18L bluechip growth - SIP 2500/- HDFC MF hdfc top 100 DP - growth - 70K hdfc infrastructure DP - growth 25K IDFC MF IDFC infra growth direct - 20K IDFC bond fund IP Gr - dir - 10k IDFC bond fund MT Gr - dir - 10k IDFC ASBF - direct - plan A growth - 10k

Ans: SBI Multi Asset Allocation Fund - Growth is a better option in hybrid multi- asset and Axis Bluechip Fund – Growth is better option in Large-cap

UTI Equity Fund – Growth is a better option in Multi-cap

Sectoral Infra Funds can be avoided; instead diversified equity funds with higher infra exposure can be considered

Rest of the funds are fine.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 20, 2019

Question by Prashant - Dec 20, 2019Hindi

Money

Can you please guide me for the following MFs which I have invested presently. Name of the Fund Category RankMF Star Rating AXIS BLUECHIP FUND GROWTH PLAN Equity - Large Cap Fund 4 HDFC SMALL CAP FUND REGULAR GROWTH PLAN Equity - Small cap Fund 2 Kotak Standard Multicap Fund(G) Equity - Multi Cap Fund 4 L&T TAX ADVANTAGE FUND GROWTH PLAN Equity - ELSS 4 SBI FOCUSED EQUITY FUND GROWTH PLAN Equity - Focused Fund 5

Small Caps:

Kotak Small Cap
Axis Small Cap

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 30, 2020

Question by Rahul - Jan 30, 2020Hindi

Money

I would like to know if I should continue with below MFs. And If I need to discontinue/add with any fund. Please suggest alternate funds. All funds I am investing since 3 years. Target is wealth creation in 8-10 years investment. Axis Long Term Equity Fund: Rs 5000 Aditya Birla Sun life frontline equity fund: Rs 4000 HDFC Balanced Equity Fund: Rs 4000 Franklin India focused equity fund: Rs 2000 Rahul Kulkarni Category RankMF Star Rating Axis Long Term Equity Fund: Rs5000 Equity - ELSS 5 Aditya Birla Sun life frontline equity fund: Rs4000 Equity - Large Cap Fund 4 HDFC Balanced Equity Fund: Rs4000 Equity - Multi Cap Fund 4 Franklin India focused equity fund: Rs2000 Equity - Focused Fund 2

Ans: You may please continue with 4 and 5 star schemes; for Equity - Focused Fund remaining below can be considered

Focused:

Axis Focused 25 – Growth
SBI Focused Equity Fund - Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Oct 13, 2022

Question by Arvind - Oct 13, 2022Hindi

Money

I am 49 years. Advice me on the following MFs whether to hold or exit. I having the following Mutual Fund (investing as SIP). Please advise whether to hold these or exit from the following Mutual Fund. Investing time Mutual Fund Name SIP Amount (Monthly) Feb 2016 HDFC Mid-Cap Opportunities Fund- Regular Gr. 5000 Aug 2021 Kotak Emerging Equity Fund-Growth 3000 Jan 2021 Kotak Balanced AF Regular Growth 2000 Nov 2020 Axis Flexi Cap Fund –Direct Growth 3000 Nov 2020 Axis Blue Chip Fund –Direct Growth 2000 June 2021 Axis small Cap Fund –Direct Growth 3000 April 2021 Edelweiss Balanced Advantage Fund- Direct Plan Growth 3000 April 2021 LIC MF Liquid – Direct Plan Growth 2000 April 2021 Mirae Asset Emerging Blue chip Fund- Direct Plan Growth 3000 June 2021 Mirae Asset large cap fund- Regular Growth 4000 June 2021 Sundram Arbitrage fund direct growth- Growth 2000 June 2021 Motilal Oswal mutual long term equity fund Direct Growth 3000 July 2021 Canara Robeco blue chip equity fund – Direct Growth 2000 Dec 2021 India bulls blue chip fund- Direct Growth 1000

Ans: Please hold as of now, however, slowly and steadily please reduce the number of funds to 4 – 6 funds.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Oct 19, 2022

Question by Madhu - Oct 19, 2022Hindi

Money

I hold the following MFs. Please let me know if I can continue or exit any of the mentioned schemes given the current market situation. SBI EQUITY HYBRID FUND REGULAR GROWTH SBI FOCUSED EQUITY FUND REGULAR GROWTH SBI Bluechip Direct Plan-Growth Mirae Asset Large Cap Fund Growth Plan KOTAK FLEXICAP FUND -GROWTH OPTION Kotak Global Innovation FOF Reg Gr Kotak Multicap Fund Regular- Gr ICICI Flexicap Fund Growth ICICI PRUDENTIAL BLUECHIP FUND - GROWTH ICICI PRUDENTIAL BANKING AND FINANCIAL SERVICES FUND – GROWTH

Ans: Please continue; no need to be worried about current market situation.

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Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
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Most people give up.
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Dentist - Answered on Dec 05, 2025

Question by Visu - Aug 01, 2025Hindi

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I am 61. I have a partial removable denture(upper). I also have bridges in both upper and lower. I was suggested to go for implants. Will it be okay to go for implants at a later part of the life. Is it safe both health and moneywise ? Will it be cheaper if we go for full implant with 4 in one ; if so it may need to wait for few more year let other teeth will also fall.. Please guide and advise on implants

Ans: Hello

Please be assured, AGE isn't a barrier for implants. But overall health is a factor. Your dentist will assess your bone density, gum health, and general medical history before he places your implants.

Implants have some definite advantages over removable dentures. They provide a stable and secure fit, improved chewing and speech.
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"All-on-4" implants might be cheaper than individual implants, but waiting might lead to deterioration of bone health, making the process more complex.

Consult your dentist about:
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Asked by Anonymous - Aug 21, 2025Hindi

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My 12 year old son has 2 parallel lines of teeth. One front and the other behind. So far in the behind only 2 teeths are there one in each side. Will this cause any serious issues for him? He has speech problem. Could this be the reason? Does he need to take any immediate corrective procedure?

Ans: Hello
This situation of "2 parallel lines of teeth" arises when permanent teeth erupt BEFORE the deciduous teeth (or milk teeth) have been shed. This indicates a mis-alignment of the permanent teeth. The shedding of milk teeth is dependent on the permanent teeth exerting pressure on them as they grow.
This mis-alignment, indeed, could be the cause of his speech problem.
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My front teeth is broken I fell down from my bike while dog is chasing me . I went to dentist i got broken teeth cemented . dentist advised me not to chew anything with cemented teeth it's a life time instruction. It is very discomfort to me .Is there any treatment such that I can chew even with repaired tooth

Ans: Hi.,
Sorry to hear about your fall and the resultant damage to your teeth.
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Please ask your dentist about sturdier alternatives like dental crowns or bridges. These can provide extra protection and might let you chew more comfortably.

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Question by Ganesh - Dec 03, 2025Hindi

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Hello Sir/Mam, Currently I'm investing in SIP as per below for the last 3 years, my goal is to achieve 2 crores by the next 10 years. Please suggest me if these MFs are good or any rebalancing is required. I'm planning to increase the SIP by 10% each year. Parag Parikh Flexi Cap - 5K Aditya Birla SF BAF - 2K SBI Large & Midcap - 5K Quant Small Cap - 3K SBI Gold Fund - Growth - 5K Canara Robeco Large cap - 5K Thanks.

Ans: Hello & thanks for writing to me.

Your portfolio is well-allocated across flexicap, large & midcap, small cap, BAF and gold, offering a balanced mix of growth, stability and diversification.

Given your 10-year horizon, keeping a higher allocation towards flexicap and large & midcap funds is appropriate, as these categories help manage volatility while still capturing long-term growth. The small-cap exposure adds additional long-term growth potential, while the Balanced Advantage Fund (BAF) provides stability through its dynamic asset allocation. Your gold allocation further supports diversification and can cushion the portfolio during equity market stress.

At this stage, no major rebalancing is needed. Since you plan to increase your SIPs by 10% every year, directing this additional amount mainly towards your flexicap or large & midcap fund will further strengthen the core of your portfolio over time.

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Dating, Relationships Expert - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

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My married ex still texts me for comfort. Because of him, I am unable to move on. He makes me feel guilty by saying he got married out of family pressure. His dad is a cardiac patient and mom is being treated for cancer. He comforts me by saying he will get separated soon and we will get married because he only loves me. We have been in a relationship for 14 years and despite everything we tried, his parents refused to accept me, so he chose to get married to someone who understands our situation. I don't know when he will separate from his wife. She knows about us too but she comes from a traditional family. She also confirmed there is no physical intimacy between them. I trust him, but is it worth losing my youth for him? Honestly, I am worried and very confused.

Ans: Dear Anonymous,
I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

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Relationships Expert, Mind Coach - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

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Hi Anu, My husband doesn't do house chores. We both work full-time, but I still end up cooking, cleaning, and doing laundry. When I ask for help, my partner will say, ‘Just tell me what to do,’ but then he conveniently forgets. Maybe he doesn't like it or he is genuinely forgetful. I have tried many ways to make him explain. Once I only did my share of laundry to make him realise but he simply ignored. Every week this pattern repeats. Is this normal? How can married couples divide responsibilities fairly to avoid fights?

Ans: Dear Anonymous,
Every home has a different routine and share of responsibilities. So, there's no standard norm to challenge it as normal or not!
So, if you want your husband to pitch in, then say it in clear terms, especially since he has told you to tell him what to do.
Once you have told him, do make sure to ask him: Will you find it convenient to do it now or later? If later, when?
This will ensure that he makes a statement of commitment, so there's no question of forgetting it, right? Play it smart...it's better than feeling bad about the situation or mulling over why something does not work.

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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Dec 04, 2025

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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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