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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Sep 21, 2022

Mutual Fund Expert... more
Snehal Question by Snehal on Sep 21, 2022Hindi
Money

Following is my current Investments:

Axis Focused 25 Fund - Gr 1,000
Axis MidCap Fund - Gr 1,000
Canara Robeco Flexi Cap Fund - Gr 1,000
DSP Midcap Fund - Reg Gr 1,000
Invesco India Contra Fund - Gr 1,000
Invesco India Midcap Fund - Gr 1,000
Kotak Emerging Equity Fund - Gr 1,000
Kotak Emerging Equity Fund - Gr 1,000
Nippon India Growth Fund - Gr 1,000
SBI Flexicap Fund - Gr 1,000
ICICI Prudential Focused Equity Fund - Growth 2,500
L&T India Value Fund - Growth 2,500
Total 15,000

Please suggest me some good fund to invest in lump sum & additional SIP of Rs 10,000 for next 10-15 years.

Ans: There are already 12 funds, its too many, no need to add any funds .

Additional investment can be done in these funds only

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

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 20, 2019

Money
Details of my mutual fund portfolio are as under: Name of the Fund Category RankMF Star Rating Axis Blue Chip Mutual Fund Equity - Large Cap Fund 5 Axis Midcap Fund Growth Equity - Midcap Fund 4 CanaraRobeco Equity Diversified Fund Regular Growth Equity - Multi Cap Fund 4 DSP Small Cap Fund Regular Growth Equity - Small cap Fund 2 HDFC Midcap opportunities Fund Growth Equity - Midcap Fund 3 ICICI Prudential Exports and Services Fund Growth Equity - Sectoral Fund - Service Industry 2 IDFC Multi cap Fund Regular Growth Equity - Multi Cap Fund 4 L&T Equity Fund Regular Growth Equity - Multi Cap Fund 4 L&T India Value Fund Regular Growth Equity - Value Fund 3 Nippon India Multicap Fund  Equity - Multi Cap Fund 2 SBI Blue Chip Fund Equity - Large Cap Fund 4 SBI Consumption opportunities Fund Regular Growth Equity - Sectoral Fund - FMCG 3 SBI Focussed Equity Fund Regular Growth Equity - Focused Fund 4
Ans:

All 5 and 4 star rated funds can be continued, rest can be replaced by the funds below in their respective categories.

Large cap Suitable option considering quality and value for money at present levels is Mirae Asset Large Cap Fund

Large and Midcap Suitable option considering quality and value for money at present levels is Kotak Equity opportunity.

Midcap: Suitable option considering quality and value for money at present levels is DSP Midcap and Axis Midcap

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap, Motilal Oswal Multicap 35

Focused: Suitable options considering quality and value for money at present levels are Axis Focused 25 and Motilal Oswal Focused 25

Small cap: Suitable options considering quality and value for money at present levels are Kotak Small Cap and Axis Small Cap

..Read more

Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on May 26, 2021

Listen
Money
pl find below investments of four persons in our family in mutual funds. 1) axis dynamic fund 4254 units 2) axis bluechip 5833 stp of Rs 10000 monthly from axis dynamic fund 3) aditya birla corporate fund -7462 4) aditya birla balance advantage fund- 719 5) aditya birla flexicap fund - 537 6) canara robeco short duration fund - 7807 stp of Rs20000 to canara bluechip 7) canara blue chip fund - 4902 8) canara income fund - 4343  9) dsp equity opp fund - 733 10) dsp shortterm fund - 1287 11) franklin us feeder opp fund -2076 12) icici blue chip fund - 60401 13) icici short term fund - 41417 14) us bluechip fund - 9198 15) equity and debt fund- 3651 16) balance advnatage fund- 4242 17) regular savings fund- 202 18) idfc banking &psu fund- 8352 16) kotak dynamic bond fund- 7429 17) parag flexi cap fund- 718 18) hdfc equity hybrid fund- 6523 19)  shortterm fund- 67090 20) corporate bond fund- 33595 21) l&t shortterm fund- 6995 22) flexi bond fund - 39600 23)sbi magnum income fund- 6906 stp of Rs10000 per month to equity hybrid fund 24)     bluechip fund- 3928 25) shorterms fund - 4915 26)  equity hybrid fund - 1084 sip pf Rs 5000 per month 27) mirae large cap fund- 10375 sip pf Rs 10000 per month   28)  bluechip '  - 6581         29) mirate shortterm fund- 33279 30) motilal dynamic fund- 14254 31) focused 25 fund- 4867 sip of Rs5000 per month 32) flexi cap -35 fund - 6662 sip of Rs 10000 per month 33)motilal nasdaq fund- 22844 34) nippon small cap fund- 3102 35)sundaram corp fund- 7970   pl advice on consolidation .
Ans: Too many funds, almost all stocks available are there in this combined portfolio. Overdiversification is killing the performance; at present markets are high, so it would not have impacted, however in the downturn it will underperform hugely.

Kindly break the portfolio person wise along with age of the person and share details

Equity / Hybrid Schemes and Couple of Debt funds should be sufficient for each person.

..Read more

Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on May 26, 2021

Listen
Money
pl find below investments of four persons in our family in mutual funds. 1) axis dynamic fund 4254 units 2) axis bluechip 5833 stp of Rs 10000 monthly from axis dynamic fund 3) aditya birla corporate fund -7462 4) aditya birla balance advantage fund- 719 5) aditya birla flexicap fund - 537 6) canara robeco short duration fund - 7807 stp of Rs20000 to canara bluechip 7) canara blue chip fund - 4902 8) canara income fund - 4343  9) dsp equity opp fund - 733 10) dsp shortterm fund - 1287 11) franklin us feeder opp fund -2076 12) icici blue chip fund - 60401 13) icici short term fund - 41417 14) us bluechip fund - 9198 15) equity and debt fund- 3651 16) balance advnatage fund- 4242 17) regular savings fund- 202 18) idfc banking &psu fund- 8352 16) kotak dynamic bond fund- 7429 17) parag flexi cap fund- 718 18) hdfc equity hybrid fund- 6523 19)  shortterm fund- 67090 20) corporate bond fund- 33595 21) l&t shortterm fund- 6995 22) flexi bond fund - 39600 23)sbi magnum income fund- 6906 stp of Rs10000 per month to equity hybrid fund 24)     bluechip fund- 3928 25) shorterms fund - 4915 26)  equity hybrid fund - 1084 sip pf Rs 5000 per month 27) mirae large cap fund- 10375 sip pf Rs 10000 per month   28)  bluechip '  - 6581         29) mirate shortterm fund- 33279 30) motilal dynamic fund- 14254 31) focused 25 fund- 4867 sip of Rs5000 per month 32) flexi cap -35 fund - 6662 sip of Rs 10000 per month 33)motilal nasdaq fund- 22844 34) nippon small cap fund- 3102 35)sundaram corp fund- 7970   pl advice on consolidation .
Ans: Too many funds, almost all stocks available are there in this combined portfolio. Overdiversification is killing the performance; at present markets are high, so it would not have impacted, however in the downturn it will underperform hugely.

Kindly break the portfolio person wise along with age of the person and share details

Equity / Hybrid Schemes and Couple of Debt funds should be sufficient for each person.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8311 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Asked by Anonymous - Apr 29, 2025
Money
Hi Sir, I have a property in Mumbai suburb (approx 40L) and its location is perfect near station, bus stop, heart of the city etc. It's very old around 36 years old. I have just inherited it and I am finishing the legal procedure of it. The monthly maintenance is increasing every year and we are still waiting for redevelopment to happen. I am housewife and require monthly income. We also have loans around 25 L. My husband is int IT field and I am German language expert. We have a son 3 years. Some are saying to give it on rent and some are saying to sell it off for repaying loans. Even if I sell it I would like to reinvest it somewhere for getting monthly income, preferably a property. I want a secure investment for meeting the requirements for my son's education as my husband's field is very volatile due to regular layoffs and stuff. Kindly guide
Ans: You have inherited a 36-year-old property worth around Rs 40 lakh.
You have Rs 25 lakh loans to repay.
You are a housewife but a German language expert, and your husband is in IT.
You want monthly income and secure future planning, especially for your son.

You have inherited a valuable property in Mumbai suburb.

You are completing the legal formalities rightly, which is very important.

You are thinking ahead for monthly income, child education, and loan repayment.

Very few people show this kind of foresight. You deserve appreciation.

Challenges You Are Facing Now

Property is old, around 36 years, and needs maintenance.

Maintenance charges are rising every year, increasing burden.

Redevelopment is uncertain and unpredictable.

You have Rs 25 lakh loans creating stress.

Husband's IT field is unstable due to layoffs.

You want a secure monthly income and financial stability.

Option 1: Giving Property on Rent

You can earn monthly rental income by renting it out.

Typical rent may be around Rs 8,000 to Rs 12,000 per month.

Rental yield will be hardly 2%-3% on Rs 40 lakh value.

This is very low compared to your needs and loan burden.

Maintenance charges, property tax, repairs will further reduce your income.

Vacancy risk is also there if tenants leave.

Overall, rental income may not fully support your financial goals.

Option 2: Selling the Property

Selling can give you around Rs 40 lakh.

You can immediately clear Rs 25 lakh loans.

After repaying loans, you will still have around Rs 15 lakh.

Loan closure will bring huge mental peace and cash flow freedom.

No more EMI burden means husband's salary can be saved better.

You can use balance Rs 15 lakh wisely to generate monthly income.

Important Insights on Redevelopment

Redevelopment can take 5-10 years easily.

Many projects get delayed due to disputes and permissions.

Till redevelopment happens, maintenance and repair costs rise.

You may have to stay invested without any income for long.

Your immediate needs for income and loan closure will not be solved.

Depending on redevelopment alone is very risky at this stage.

What You Should Ideally Do

Prefer selling the property now while market is still decent.

Clear all Rs 25 lakh loans fully and become completely debt-free.

Debt-free life is the biggest financial freedom you can gift your family.

With balance money, create a secure income plan.

Stay light without property burdens and maintenance worries.

Focus on building an education corpus for your son and retirement corpus.

Where to Invest After Selling

Do not buy another property immediately for investment.

Property rental yields are low, and liquidity is very poor.

Instead, create a mix of debt mutual funds and hybrid mutual funds.

These can give you monthly income using Systematic Withdrawal Plan (SWP).

This method protects your capital and gives you flexible monthly payouts.

Debt mutual funds can provide 6%-7% returns safely with low risk.

Balanced advantage funds can give 8%-10% returns over 3-5 years.

Always choose regular mutual fund plans through a MFD who is also a Certified Financial Planner.

Why Not Property for Reinvestment?

Property is illiquid; selling it again takes months or years.

Property has heavy costs like stamp duty, registration, brokerage, repairs.

Rentals are taxed fully as income, eating away returns.

If tenant defaults or property is vacant, you get zero income.

Maintaining property is a headache, especially in old buildings.

Mutual funds offer better flexibility, better tax-efficiency, and better liquidity.

Disadvantages of Direct Plans (Important for You to Know)

If you invest in direct mutual fund plans yourself, you miss expert guidance.

Wrong fund selection, wrong withdrawal rate can destroy your capital.

Regular plans through a CFP-backed MFD give proper fund selection and review.

Charges in regular plan are justified because it protects your long-term wealth.

Getting professional hand-holding is very important for your peace of mind.

Additional Steps You Must Take

Keep a separate emergency fund of Rs 3 lakh in liquid mutual funds.

Buy a good term insurance cover for husband (at least Rs 1 crore).

Ensure you have a good health insurance for the whole family.

Start a small SIP for your son’s education goal systematically.

Slowly explore freelancing as a German language expert to earn extra income.

Future Planning for Your Son

Education costs are rising 10%-12% every year in India.

For good education after 15 years, you will need a large corpus.

Start small SIPs in good mutual funds focused on child education.

Stay committed for long-term without withdrawals.

Education planning must be top priority after loan closure.

Final Insights

Renting out the old property will not solve your loan and income issues properly.

Selling the property now and clearing the loans is the better, safer step.

Remaining money should be invested wisely for monthly income generation.

Avoid buying new properties now. Focus on mutual fund income plans.

Build emergency reserves, insurance covers, and an education fund for your son.

Stay light, stay debt-free, and keep life flexible financially.

Your thinking is already mature. With correct action, your future will be very secure.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8311 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Asked by Anonymous - Apr 28, 2025
Money
Could you tell me the ideal stock quantity for me as I am investing 10k in each stock and I get minimum 30 percent return so I am not happy with reward. FYI my portfolio is of 5 Lacks investing since 2017.
Ans: You have a Rs 5 lakh stock portfolio.
You are investing Rs 10,000 in each stock.
You are getting around 30% returns, but you are not fully happy.

Let me help you with detailed insights.

Appreciating Your Journey So Far

You started investing in 2017, which shows good discipline.

Growing the portfolio with regular Rs 10,000 investments is a smart habit.

Earning 30% returns is not bad, especially in Indian stock markets.

Many investors struggle even to beat inflation in long-term investing.

You deserve appreciation for steady progress and patience.

Understanding Your Concern

You want even better returns than 30%.

You feel Rs 10,000 in each stock is limiting your potential.

You are looking for an ideal number of stocks for higher growth.

Ideal Number of Stocks to Hold

If portfolio is Rs 5 lakh, then having 15 to 20 stocks is healthy.

Less than 10 stocks can make portfolio risky and unstable.

More than 25 stocks will dilute returns and weaken performance.

Around 18 stocks can give you good balance of safety and growth.

Each stock can ideally carry 4% to 7% weight in your portfolio.

Problems of Over-Diversification

Holding too many stocks reduces focus.

Monitoring all stocks becomes difficult.

Even if some stocks do well, overall portfolio may not reflect it.

Returns get pulled down when poor stocks dilute the strong ones.

Problems of Under-Diversification

Too few stocks increase risks sharply.

Bad performance of one stock hits portfolio badly.

Emotional decision making becomes harder.

Volatility can become scary during market falls.

Fine-Tuning Your Approach

Increase your per stock investment slightly to Rs 15,000 to Rs 20,000.

Focus on holding 15 to 20 strong companies across sectors.

Prioritise companies with strong balance sheet and consistent profits.

Look for companies with leadership in their industries.

Reduce churning of stocks; stay invested patiently.

Sector Allocation Guidance

Allocate across banking, FMCG, pharma, IT, auto, and energy sectors.

Avoid over-investing in one sector or theme.

Always maintain sector diversification for stability.

Reviewing Your Return Expectations

Expecting more than 30% return consistently can be risky.

Stock market returns move in cycles.

In good years, 40%-60% returns may happen.

In bad years, even negative returns can occur.

Long-term average return expectation should be around 12%-18%.

Identifying the Real Issue

30% growth is a strong outcome compared to bank FDs and debt funds.

If you feel unhappy, maybe it is because of high expectations.

Managing emotions is key to wealth creation.

Recommended Action Plan

Stick to around 18 focused high-quality stocks.

Increase amount slightly if you find very strong companies.

Focus on strong fundamentals, not just price movements.

Rebalance portfolio once in a year to maintain sector weight.

Invest fresh money slowly when good opportunities arise.

Additional Important Points

Don't take high risks to chase higher returns.

Wealth building is a marathon, not a sprint.

Stay disciplined and trust your process.

Consistency will reward you richly in next 5-10 years.

Final Insights

Holding around 15-20 carefully selected stocks is ideal for you.

Focus more on quality stocks than chasing return numbers.

Growing wealth steadily is more important than chasing quick profits.

Stay invested with a cool mind, and you will achieve great success.

Celebrate your discipline till now and keep improving step-by-step.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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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