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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Sep 16, 2021

Mutual Fund Expert... more

Question by niraj on Sep 16, 2021Hindi

Money

Please advise regarding the following portfolios.

No investments in ICICI Pru Tax Saver Fund for the last four years; only in Axis Tax Saver and DSP Tax Saver.

All funds are regular growth, except debt funds.

Risk appetite is moderate.

Portfolio 1 -- investor age, 35 years

Axis Blue Chip

Axis Long Term Equity

Canara Robeco Focused Fund

DSP Flexi Cap

HDFC Balanced

HDFC Flexi

ICICI Pru Tax Saver

Mirae Asset FANG+ NYSE ETF

Nippon India Pharma

Portfolio 2 -- investor age, 61 years

Axis Banking & PSU Debt

Axis Bluechip

Axis Growth Opportunity Fund

Axis Long Term Tax Saver

Edelweiss Balanced Advantage

ICICI Pru Corporate Bond

ICICI Pru Long Term Tax Saver

SBI Magnum Gilt Long Term Fund

Portfolio 3 -- investor age, 31 years

Axis Bluechip

DSP Tax Saver

ICICI Pru Tech, Growth

ICICI Long Term Tax Saver

Nippon India Pharma

Parag Parikh Flexi Cap

SBI Banking & Financial Service Plan, Regular Growth

Portfolio 4 -- investor age, 65 years

Axis Bluechip

Axis Long Term Tax Saver

Mirae Asset Emerging Bluechip

Mirae Asset Large Cap

ICICI Pru Long Term Equity Tax Saver

Portfolio 5 -- investor age, age 27 years

Axis Bluechip

Axis Long Term Tax Saver

Parag Parikh Flexi Cap

Tata Banking And Financial Services Fund

Tata Digital India

Tata India Pharma & Healthcare

Ans: The portfolios are good. However, they are mostly high risk portfolios. Add some hybrids to moderate the risk and exit from high risk funds, especially the sectoral 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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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 02, 2021

Question by satish - Aug 02, 2021Hindi

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Pl suggest portfolio against my investment: 1 Aditya Birla Sun Life Dividend Yield Fund - Gr 1000 2 Aditya Birla Sun Life Savings Fund - Gr 3000 4 Axis Long Term Equity Fund - Gr 1000 5 DSP Tax Saver Fund - Gr 2000 6 ICICI Prudential Long Term Equity Fund - Regular Gr 1000 7 ICICI Prudential Multi-Asset Fund - Gr 1000 8 ICICI Prudential Value Discovery Fund Gr 1000 9 SBI Flexicap Fund - Gr 1000 Total 11000 lump sum investment in the funds above 1 ICICI Prudential Floating Interest Fund - Gr 1,12,046.40 2 Axis Flexi Cap Fund - Gr 31,946.00

Ans: Please continue; to be reviewed post 6 months

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 08, 2021

Question by shivaprakash - Jun 08, 2021Hindi

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Please see my below portfolio advise if any change required, this investment for a long term above 5 years. Scheme Amount ICICI PRUDENTIAL BLUECHIP FUND - GROWTH 3000 AXIS GROWTH OPPORTUNITIES FUND - REGULAR-GROWTH 2000 NIPPON INDIA PHARMA FUND - GROWTH PLAN - GROWTH OPTION 2000 CANARA ROBECO EQUITY HYBRID FUND REGULAR GROWTH 2000 AXIS BLUECHIP FUND-GROWTH 4000 MIRAE ASSET HYBRID - EQUITY FUND - REGULAR PLAN - GROWTH 5000 ICICI PRUDENTIAL BLUECHIP FUND - GROWTH 3000 AXIS FOCUSED 25 FUND -GROWTH 2000 MIRAE ASSET LARGE CAP FUND - REGULAR - GROWTH 2000 Parag Parikh Flexi Cap Fund - Direct Plan 5000

Ans: The funds are decent; however, there are too many funds in large cap; these can be consolidated

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Feb 16, 2022

Question by Rahul - Feb 16, 2022Hindi

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I am a regular reader of your section. Can you please review my portfolio? All are direct growth funds. I am 38 years old and planning for long term investment for 10+ years to create wealth for my children's education and retirement. I have divided my portfolio into large cap, mid/flexi cap and small cap based on my risk appetite. I am not investing in DEBT MFs as I prefer PF, PPF and FDs for Debit investments. 1. MIRAE ASSET LARGE CAP - 5000 2. HDFC INDEX SENSEX FUND - 3000 3. UTI NIFTY NEXT 50 - 3000 4. MIRAE ASSET EMERGING BLUE-CHIP - 4500 5. AXIS MID CAP - 3000 6. PARAG PARIKH FLEXI CAP - 3000 7. UTI FLEXI CAP - 3000 8. AXIS SMALL CAP - 3000 9. NIPPON INDIA SMALL CAP - 3000 10. DSP BLACKROCK TAX SAVER - 2000 (Stopped SIP for this and diverted amount to Mirae Asset Large Cap) I am also planning to invest additional 10k and considering below options to give exposure to different markets/ sectors. Can you please provide your thoughts on this? 1. Motilal Oswal Nasdaq 100 Fund of Fund - 4000 2. Mirae Asset NYSE FANG+ ETF FoF - 4000 3. ICICI PRUDENTIAL TECHNOLOGY FUND - 2000. Or, shall I consolidate investment on any of the above good existing funds?

Ans: You may also consider the below:

Samco Flexi Cap fund Growth
Axis ESG Equity fund – Growth
DSP Quant fund - Growth

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Mutual Fund Expert - Answered on Jun 12, 2023

Question by Vivekanand - Jun 06, 2023Hindi

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Please review my portfolio Doing sip regularly and buying in dips for long term investment atleast 15-20 years time horizon 1. Parag Parikh flexi cap fund -1500 2. Pgim mid cap fund -1500 3. Nippon India small cap fund - 1500 4. Uti nifty 50 index fund -1500 5. Kotak debt hybrid fund - 1500 ELSS 1.Canara rebeco tax saver fund -4000 2. Mirae asset tax saver fund - 4000

Ans: Hello Vivekanand and thanks for writing to me. As you want to invest for a long term of 15 to 20 years, I recommend you consider pausing investments in hybrid funds and index funds and consider investing in actively managed small and midcap funds for 10 years, and then begin investing in hybrid funds.

Small and midcap funds while riskier than index funds give a chance to earn higher returns and thereby create a larger corpus.

You can consult a financial advisor to get a tailored plan for you as they can understand your risk profile and goals to guide you better.

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Question by Sanjeev - Dec 28, 2023Hindi

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Dear Sir, I Sanjeev Kumar, aged 42 years investing in following investment, I would like to have your option that these saving are quite enough to accumulate to fund value of 70 to 80 lac in next 10 to 12 years. 1. Aditya birla multicap fund --- Rs 1000 PM (SIP) 2. Invesco flexi cap fund -------- Rs 1000 PM (SIP) 3. Invesco india multi cap fund ----- Rs 1000 PM (SIP) 4. Kotak Multicap fund ------ Rs 1000 PM (SIP) 5. Kotak emerging equity fund ----- Rs 1000 PM (SIP) 6. Kotak tax saver fund ------- Rs 500 PM (SIP) 7. Nippon multicap fund -------- Rs 1000 PM (SIP) 8. Union Tax saver fund --------- Rs 1500 PM (SIP) 9. LIC -------------------------- 52000 (annually) 10. PPF ----------------------- 1.5 lac (annually) 11. NPS --------------------- 5000 Rs (annually) I would also like to hear from you, that whether reshuffling is required in portfolio. Eager to hear from you soon.

Ans: Your investment strategy with SIPs in various mutual funds, LIC, PPF, and NPS is diversified, which is good. To accumulate 70-80 lakhs in 10-12 years, consider increasing SIP amounts annually to align with your goal and ensure you're investing in line with your risk tolerance. Review and rebalance your portfolio periodically for optimal returns.

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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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