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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

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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.

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

Question by rudolf - Sep 19, 2023Hindi

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

Question by rudolf - Sep 19, 2023Hindi

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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

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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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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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