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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 15, 2022

Mutual Fund Expert... more

Question by Anamika on Jun 15, 2022Hindi

Money

I am a reader of your blog and like the same. I am a 39 year single working female. Please examine my portfolio and let me know if any changes have to be made so that I can generate maximum returns on my investments.

Also plan to withdraw/use lump sum investments for home buying. Kindly advise. I plan to continue the SIPs for the long term.

My lump sum investments are as follows:

Sr. no. Date MF name Amount

1 20-11-2019 UTI Mastershare Unit Scheme- Growth 200000

2 22-11-2019 UTI Liquid Cash Plan - Plan - Growth 300000

09-11-2020 Withdraw UTI Liquid Cash Plan - Plan - Growth 250000

3 11-11-2020 UTI Liquid Cash Plan - Plan - Growth 200000

4 01-01-2020 Axis Retirement Savings Fund - Dynamic Plan, growth 30000

5 01-01-2020 Axis Retirement Savings Fund - Aggressive Plan, growth 40000

6 01-01-2020 Axis Retirement Savings Fund - Conservative Plan, growth 30000

7 23-07-2021 UTI Ultra Short Term Fund - Growth Plan 40000

8 23-07-2021 UTI Flexi Cap Fund (Formerly known as UTI Equity Fund) - Growth 30000

9 23-07-2021 UTI Mastershare Unit Scheme - Growth Plan 30000

10 28-07-2021 UTI Ultra Short Term Fund - Growth Plan 50000

11 04-08-2021 UTI Focused Equity Fund - Growth Plan 30000

12 02-09-2021 UTI Liquid Cash Plan - Plan - Growth 120000

13 01-10-2021 HDFC Developed World Indexes Fund of Fund 25000

14 01-10-2021 Aditya Birla Sun Life Flexi Cap Fund - Growth - Plan 25000

15 04-10-2021 SBI Focused Equity Fund ( growth ) 25000

16 04-10-2021 DSP Flexi Cap Fund 25000

17 01-11-2021 Aditya Birla Sun Life Flexi Cap Fund - Growth - Plan 25000

18 01-11-2021 ICICI Prudential Multi-Asset Fund - Growth 25000

19 01-11-2021 HDFC Large and Mid Cap Fund - Plan - Growth (Erstwhile HDFC Growth Opportunities Fund) 25000

20 01-11-2021 DSP Mid Cap Fund - Plan - Growth 25000

21 01-12-2021 HDFC Multi Cap Fund Growth 20000

22 01-12-2021 Axis Multicap Fund Growth 20000

23 3.01.2022 HDFC Multi Cap Fund Growth(HMCRG) 50000

TOTAL MF 1140000

My SIP portfolio is as below:

Sr. no. Start Date MF name Amount

1 22-11-2019 ULIP 3000

2 22-11-2019 UTI Mastershare / UTI 4000

3 22-11-2019 UTI Equity fund / UTI 4000

4 22-11-2019 UTI MNC Fund / UTI 5000

5 25-11-2019 Aditya Birla Sunlife Focus / HDF 3000

6 25-11-2019 Aditya Birla Sunlife India / HDF 3000

7 26-11-2019 Axis Bluechip / UTI 2000

8 26-11-2019 Axis Multicap Fund / UTI 2000

9 19-12-2019 HDFC Equity Fund 1000

10 20-12-2019 HDFC Top Fund 1000

11 13-01-2020 UTI Flexi Cap Fund(UTI Equity fund) growth plan 2000

12 13-01-2020 UTI Value Opportunities Fund - fund 2000

13 10-01-2020 ICICI Prudential Bluechip Fund 1000

14 10-01-2020 ICICI Prudential Multicap Fund 1000

15 13-01-2020 ABSL India Gen Next Fund 1000

16 13-01-2020 ABSL Equity Fund 1000

Total 36000

Ans: Too many funds, continue with SIPs, you may liquidate lumpsums for the home purchase starting with Liquid / Short term liquid / debt 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 Jun 03, 2022

Question by Anamika - Jun 03, 2022Hindi

Money

I am a regular reader of your blog and like the same. I am a 39 year single working female and this is my third email to you. Please examine my portfolio and let me know if any changes have to be made so that I can generate maximum returns on my investments. Also plan to withdraw / use lump sum investments for home buying. Kindly advise. SIPs I plan to continue for the long term. My lump sum investments are as follows: Sr. no. Date MF name Amount 1 20-11-2019 UTI Mastershare Unit Scheme-Regular Growth 200000 2 22-11-2019 UTI Liquid Cash Plan - Regular Plan - Growth 300000 09-11-2020 Withdraw UTI Liquid Cash Plan - Regular Plan - Growth 250000 3 11-11-2020 UTI Liquid Cash Plan - Regular Plan - Growth 200000 4 01-01-2020 Axis Retirement Savings Fund - Dynamic Plan , Regular growth 30000 5 01-01-2020 Axis Retirement Savings Fund - Aggressive Plan , Regular growth 40000 6 01-01-2020 Axis Retirement Savings Fund - Conservative Plan , Regular growth 30000 7 23-07-2021 UTI Ultra Short Term Fund - Regular Growth Plan 40000 8 23-07-2021 UTI Flexi Cap Fund (Formerly known as UTI Equity Fund) - Regular Growth 30000 9 23-07-2021 UTI Mastershare Unit Scheme - Regular Growth Plan 30000 10 28-07-2021 UTI Ultra Short Term Fund - Regular Growth Plan 50000 11 04-08-2021 UTI Focused Equity Fund - Regular Growth Plan 30000 12 02-09-2021 UTI Liquid Cash Plan - Regular Plan - Growth 120000 13 01-10-2021 HDFC Developed World Indexes Fund of Fund 25000 14 01-10-2021 Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan 25000 15 04-10-2021 SBI Focused Equity Fund (Regular growth ) 25000 16 04-10-2021 DSP Flexi Cap Fund 25000 17 01-11-2021 Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan 25000 18 01-11-2021 ICICI Prudential Multi-Asset Fund - Growth 25000 19 01-11-2021 HDFC Large and Mid Cap Fund - Regular Plan - Growth (Erstwhile HDFC Growth Opportunities Fund) 25000 20 01-11-2021 DSP Mid Cap Fund - Regular Plan - Growth 25000 21 01-12-2021 HDFC Multi Cap Fund Regular Growth 20000 22 01-12-2021 Axis Multicap Fund Regular Growth 20000 23 3.01.2022 HDFC Multi Cap Fund Regular Growth(HMCRG) 50000 TOTAL MF 1140000 My SIP Portfolio is as below: Sr. no. Start Date MF name Amount 1 22-11-2019 ULIP 3000 2 22-11-2019 UTI Mastershare / UTI 4000 3 22-11-2019 UTI Equity fund / UTI 4000 4 22-11-2019 UTI MNC Fund / UTI 5000 5 25-11-2019 Aditya Birla Sunlife Focus / HDF 3000 6 25-11-2019 Aditya Birla Sunlife India / HDF 3000 7 26-11-2019 Axis Bluechip / UTI 2000 8 26-11-2019 Axis Multicap Fund / UTI 2000 9 19-12-2019 HDFC Equity Fund 1000 10 20-12-2019 HDFC Top Fund 1000 11 13-01-2020 UTI Flexi Cap Fund(UTI Equity fund)Regular growth plan 2000 12 13-01-2020 UTI Value Opportunities Fund - Regular fund 2000 13 10-01-2020 ICICI Prudential Bluechip Fund 1000 14 10-01-2020 ICICI Prudential Multicap Fund 1000 15 13-01-2020 ABSL India Gen Next Fund 1000 16 13-01-2020 ABSL Equity Fund 1000 Total 36000

Ans: Please continue with the SIPs and liquidate the liquid funds first. Then depending upon exit loads others can be liquidated.

Dev Ashish | Answer |Ask -Follow

MF Expert, Financial Planner - Answered on Sep 19, 2023

Question by rudolf - Sep 19, 2023Hindi

Money

dear Dev, First of all, thank you for taking the time to review questions from viewers. Your efforts are truly appreciated from the bottom of my heart. I would be really grateful if you could review my investment portfolio. I invest 64,000/- every month in a direct mutual fund, and my plan is to continue this for the next 10 years. ICICI Pru Bluechip - 12,000/- Mirae Asset Emerging Bluechip - 4,000/- Axis Mid-cap - 5,000/- HDFC Mid-cap Opp - 5,000/- Axis Small-cap - 6,500/- Quant Active - 6,500/- Parag Parikh Flexi-cap - 8,000/- UTI Nifty 50 - 6,000/- Navi Nasdaq - 6,000/- Tata Digital Industries - 5,000/- Please let me know if you see any need for corrections or changes in my portfolio. Thank you.

Ans: You don't need to invest in so many schemes. There is a lot of overlap in your mutual fund portfolio holdings if you look at individual scheme's portfolios. So just investing the same monthly amount in up to 4 funds would be more than sufficient. You can pick one from Largecap Index Fund, 1-2 from a Flexicap/Large&Midcap Fund, 1-2 from Mid/Smallcap funds and that should be sufficient. In general, most investors are better off avoiding thematic/sectoral funds.

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.

Dev Ashish | Answer |Ask -Follow

MF Expert, Financial Planner - Answered on Sep 19, 2023

Question by rudolf - Sep 19, 2023Hindi

Money

dear Dev, First of all, thank you for taking the time to review questions from viewers. Your efforts are truly appreciated from the bottom of my heart. I would be really grateful if you could review my investment portfolio. I invest 64,000/- every month in a direct mutual fund, and my plan is to continue this for the next 10 years. ICICI Pru Bluechip - 12,000/- Mirae Asset Emerging Bluechip - 4,000/- Axis Mid-cap - 5,000/- HDFC Mid-cap Opp - 5,000/- Axis Small-cap - 6,500/- Quant Active - 6,500/- Parag Parikh Flexi-cap - 8,000/- UTI Nifty 50 - 6,000/- Navi Nasdaq - 6,000/- Tata Digital Industries - 5,000/- Please let me know if you see any need for corrections or changes in my portfolio. Thank you.

Ans: You don't need to invest in so many schemes. There is a lot of overlap in your mutual fund portfolio holdings if you look at individual scheme's portfolios. So just investing the same monthly amount in up to 4 funds would be more than sufficient. You can pick one from Largecap Index Fund, 1-2 from a Flexicap/Large&Midcap Fund, 1-2 from Mid/Smallcap funds and that should be sufficient. In general, most investors are better off avoiding thematic/sectoral funds.

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.

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Question by rudolf - Sep 19, 2023Hindi

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dear nikunj, First of all, thank you for taking the time to review questions from viewers. Your efforts are truly appreciated from the bottom of my heart. I would be really grateful if you could review my investment portfolio. I invest 64,000/- every month in a direct mutual fund, and my plan is to continue this for the next 10 years. ICICI Pru Bluechip - 12,000/- Mirae Asset Emerging Bluechip - 4,000/- Axis Mid-cap - 5,000/- HDFC Mid-cap Opp - 5,000/- Axis Small-cap - 6,500/- Quant Active - 6,500/- Parag Parikh Flexi-cap - 8,000/- UTI Nifty 50 - 6,000/- Navi Nasdaq - 6,000/- Tata Digital Industries - 5,000/- Please let me know if you see any need for corrections or changes in my portfolio. Thank you.

Ans: You have selected good funds in your portfolio

Abhishek Dev | Answer |Ask -Follow

Financial Planner - Answered on Oct 03, 2023

Question by Rahul - Oct 02, 2023Hindi

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Please Review My Portfolio Parag Parikh Flexicap, Sbi Mid cap,Axis Small cap & Canara robeco Small cap fund each with 4000 rs per month sip for 25 year's and 10 percent Step up every year for My Retirement. my age is 33

Ans: You have allocation in good funds, however, there are too many funds in the Smallcap category; kindly understand there can be significant overlaps in the funds owing to limitation in the investible universe.
Since you're already following step-up SIP route, you can go for a Flexicap Fund, a Smallcap fund and a Hybrid fund to balance your portfolio.

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Hi Madam, I'm 60,retired, my wife is 47, our son is 23. I had love marriage and was leading a happy married life. Just after silver jubilee of our wedding anniversary I accidentally came to know that my wife is madly in love with one of our common married friend who runs a simple shop. Upon investigation I found that they are in relation for last 12 years and were enjoying sex in my own house for such a long time. He hails from an uneducated family and is not even cultured. I could not believe that the wife of a highly educated socially respected man could do this with a shopkeeper who does not have any socio economic status. I am living a normal life with my wife for the sake of our only child. Once he settles in life I have decided to end my life. Ofcourse I still love her as ours was a love marriage. I seek your wise suggestion in this regard, should I divorce her or live a normal life that we are doing?

Ans: Dear Shristi,
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Ans: Dear Anonymous,
I understand you are in a tough spot. But it's nice to see that after all those years of differences, you still have genuine feelings for her. I strongly suggest considering marriage counseling. From your description of your marriage, it seems to be there have been issues from the very beginning of it. It's been too long and now those issues must've become deep-rooted. Seeing a professional can be a game-changer. They can guide you out of this slump more methodically and help you navigate the emotions you are feeling right now. It can also help you understand the reasons for your wife's disinterest and handle it better.

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Ans: Dear Anonymous,
I am sorry to hear you are in such a tough spot. I would suggest considering marriage counseling. A professional who can help you both tackle these issues would be helpful in this situation. I understand that it was his mistake and he needs to put the effort to make you trust him again, but since you are still together, you will also have to put in the effort to let it. I know it is difficult and that's where marriage counselor comes in. They can help you navigate these feelings. Moreover, if he is indeed hiding something, therapy can help that come out in the open.

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Hi, Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. Partner(F28)continuing friendship with a person[M] who had crush on her before marriage considered emotional infidelity? Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. My wife is having friendship (strictly platonic) with a guy from her 10tlh grade (same class). Before our marriage (she may be doing her college, our relationship just started may be 2 weeks) this guy told her he has genuine interest in her and he want to take the relationship further if she wants, she said she is not interested in a relationship and she got committed, she always saw him as a friend, no other feelings for him and we can be friends if you don't bring any romantic interest again. He never took this talk again ever after and happy to be a friend. They are talking as friends. She got married to me. He also got married. They still do chats once in a month. She introduced me to him and visited his home when we visited his city. He also came to our home once (me and my family was there). She used to update me with chat she had with him and the content they are chatting. I am ok with that When we were talking about our school life and college life 2 years before. She said this guy had crush on her during her college days. I asked her, why did not she tell me this info till now. She said it is not purposely, she does not feel the need to do as the person is not in-appropriate with her and continuing as good friend as promised after she rejected his proposal. I don’t want to create any unnecessary issues as I don’t have any felling or so with him. That time I checked their chats completely, it’s about update about their common friends, their recent travel, their job, meditation courses and the books they read recently. I haven’t seen any flirting or romantic message from either of them. So I am perfectly fine with it and had no problems. I recently came to know about the concept of emotional cheating which is very new to me. Before that cheating to me is only flirting, sexeting and physical sex. I have asked for advice in redddit.com in infedility sub forum about emotional cheating/ emotion affair. There persons are advising like even having friendship with someone who had crush on you is emotional cheating as it is indirectly leading them on you. So with an omission of lie he had crush on her and indirectly leading him on you wife was emotionally cheating on you. This is very much equal to cheating. I do have lots of friends in other gender, but no one had crush on me. Does this count as emotional cheating/affair as she did not mention he had crush on her before marriage? I am little depressed and not able to spend quality time with my wife who is in postpartum depression and take care of our daughter properly as before. Do you guys advise me how to navigate this situation?

Ans: Dear Anonymous,
Are you really going to ruin your happy relationship based on some new term you have learned recently? Emotional cheating and many more terms of the kind will come and go, what truly matters is the truth. She is merely friends with this guy and for your peace of mind, you have even checked their conversations- what part of it looks like cheating to you? If tomorrow, some random person projecting their own insecurities claims that a man speaking to a woman is some "new form" of cheating, would you start believing that? My point is that these are just random opinions of some people- it isn't the ultimate truth. The entire context matters. This man had a crush on your wife, she rejected it, and now they are just friends. I find absolutely no misconduct or infidelity in this. The fact that none of your friends had a crush on you does not factor in at all. Moreover, your wife is in postpartum depression- that should be your biggest concern but here you are, giving more importance to the random 2 AM thoughts of some people you don't even know. Please rethink if you are being fair to your wife- the mother of your child.

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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