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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Sep 21, 2022

Mutual Fund Expert... more

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 Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 01, 2022

Question by Binayak - Jun 01, 2022Hindi

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I am 38 years old and a salaried person. Started in 2019 with annual step up of 10 per cent. I want to invest for another 15 years. Kindly suggest about the funds. Following are my current mutual fund investments: SBI Blue Chip fund- Direct Growth. Monthly SIP of Rs 3000 Sundaram Large and Mid Cap fund- Direct Growth. Monthly SIP of Rs 3000/- PGMI India value fund Direct Growth. Monthly SIP of Rs 3000/- NIMF Small Cap Fund Direct Growth. Monthly SIP of Rs 3000/- UTI MNC Fund Direct Growth. Monthly SIP of RS 3000/-

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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jul 07, 2022

Question by Subhojit - Jul 07, 2022Hindi

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I am 30 years old and a salaried person. Started SIP from 2021. I want to invest for 10-15 years. I will be highly obliged if you suggest about the funds & if I need to add or omit any. Following are my current mutual fund investments: 1.Sbi Blue Chip Fund (G)- Rs 3000 2. Axis Blue Chip Fund (G)- Rs 3000 3. Axis Mid Cap Fund(G)-Rs 3000 4. Axis Small Cap Fund(G)- Rs 2000 5. Axis Nifty 50 Index Fund- Rs 3000

Ans: You may continue, review after an year

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Mutual Funds Expert - Answered on Apr 19, 2023

Asked by Anonymous - Apr 14, 2023Hindi

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Hi sir, I have the following mutual funds in SIP Axis Focused 25 Fund - Growth - 10k (Started in 2019) current value is 4.5L with overall gain only at 5% Tata India Consumer Reg-G - 5K (started in 2021) current value is 1.4L with overall gain at 5% Axis Flexi Cap Fund - Growth - 5k (started in 2021) current value is 1.8L with overall gain at 5% Can you please suggest me some good funds as I plan to redeem the above invest lumpsum with a horizon of 3+ years.

Ans: Hello Value Investor. If you are planning to redeem your current investment and reinvest same for minimum 3 years. You may consider Balanced Advantage Fund , Large cap and multicap funds for lumpsum investments.

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Asked by Anonymous - Jan 17, 2024Hindi

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which mutual funds (with name) is best for me to invest Rs. 10 lakh right now for next 10 yrs? Also suggest me best mutual funds for next 10 yrs through SIP (20k pm) among the Large cap, mid cap, small cap, flexi/multi cap, sectoral funds and L&M cap?

Ans: Investing Rs. 10 lakh upfront and committing to a SIP of Rs. 20,000 per month is a commendable step towards securing your financial future. However, choosing the right mutual funds is not just about picking the top-performing ones today. It's about understanding your financial goals, risk tolerance, and the investment horizon.

For the lump sum amount, considering a blend of large cap, mid cap, and multi-cap funds can provide a diversified approach. This ensures that your investment is not overly exposed to the volatility of any single segment of the market.

For your SIPs over the next 10 years, a systematic approach across large cap, mid cap, small cap, and flexi/multi-cap funds can help in navigating market cycles. Remember, consistency is key.

As you embark on this investment journey, it's important to remain patient and stay invested through market fluctuations. Investing is a marathon, not a sprint. So, focus on the long-term horizon and trust the process. Happy investing!

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Question by Mandar - Sep 04, 2024Hindi

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Hi currently Invested in HDFC Defence Fund 3000, Nippon India consumption 3000 ,Bandhan ELSS Tax saver 3000 for last 2 year...plz suggest Fund from different Category for next 10 year period with same amount SIP

Ans: You may consider investing in ICICI Value Discovery Fund for 10 year horizon.

As you get closer to your target, shift the gains from sectoral/thematic/equity funds into liquid or ultra short duration funds to protect it from volatility.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

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Namaste Madam, Iam having type 2 diabetes since 2017. My recent reading of fasting sugar is 131 and post meal is 190. Kindly suggest me diet plan for reversal of diabetes as quoted. Myself Ulhas Subhedar from Aurangabad, Maharashtra . You may please suggest me in Hindi. Taking Metsamall 500 mg 2 times. Eurepa 0.5 mg for 2 times, Dilzem 30 mg after breakfast, Rosave 10mg at night and Aspisol 75 mg at night.

Ans: It’s great that you’re looking to manage and potentially reverse your type 2 diabetes through diet. Reducing your intake of carbohydrates can help manage blood sugar levels. Focus on non-starchy vegetables, lean proteins, and healthy fats. Include leafy greens, broccoli, cauliflower, fish, chicken, nuts, seeds, and avocados. Avoid sugary foods, white bread, pasta, and rice.
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Asked by Anonymous - Aug 28, 2024Hindi

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Hi, I am 52 years old and weigh around 78 kgs. I walk around 12000 steps daily. I do hindu pushups around 4 sets of 15 each. My fasting sugar level is always in the range of 135-140. How do I reduce it

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I am 54 year male having diabetes for the past 8 years. I used have fasting sugar at 135 which increased to 180 in 2020. After taking ayurvedic medicine dibex & madhumeh kusmakar rasa i was able to control fasting sugar between 100-120. But after some time it effects reduced. Tried neem powder, jamun powder gurmar powder with some sucess. Now again i am on cross roads with fasting sugar at 170. Kindly help me with the medication as well as diet.

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Question by Siddharth - Sep 15, 2024Hindi

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is Msc (Environmental Science) considered equivalent/at par to Mtech (Environment Engineering) as eligibility for Assistant Professor jobs in environment trade?

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MSc (Environmental Science): Typically, this degree qualifies candidates for Assistant Professor positions in Environmental Science or related subjects at universities or colleges. However, it may not be considered equivalent to MTech (Environmental Engineering) for faculty positions in engineering departments or technical institutions like IITs, NITs, or engineering colleges.
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Asked by Anonymous - Sep 19, 2024Hindi

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Can I retire early at 45 with 2.5 cr and monthly expense of 1 Lakh. Pl mind that I am yet to have kids and my mother and my wife are my dependents. Pl advise approximate corpus in case this is inadequate.

Ans: I recommend that you postpone your retirement till accumulation of additional corpus of 1.5+1=2.5 Cr+

This incremental 1.5 Cr with existing 2.5 Cr adding upto 4 Cr can be used to buy an annuity.

Assuming 6% annuity rate you can expect a monthly payout of 2 L(pre-tax).

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You may follow us on X at @mars_invest for updates.

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Sir my wife is working in school Her PF was deducted under EPF Now her school has given her reemployment on adhoc basis and her PF is still deducted. As she has attained the age of 58her deductions are not taken in EPS. How can she get her pension as date of retirement under EPS and EPF are to be mentioned as same as her EPF is still being deducted

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Insurance, Stocks, MF, PF Expert - Answered on Sep 19, 2024

Asked by Anonymous - Dec 07, 2023Hindi

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Hi sir, I am 24, Goal 1 cr in next 10 year MONTHLY total SIP @ 7000 ,( PPFS 2 , MOTILAL Oswal midcap1.5k , axis small cap2.5k, ICICI valu discovery1k) step up 30% per year Lump sum - 10000 NipponPower fund 10000 - HDFC REQUIREMENT FUND EQUITY. ( Step up 15-30% each half year as per performance PLS SUGGEST. Any deletion or addition.

Ans: I offer you two scenarios:
1. Step up both SIP and lumpsum by 40% every year to reach your target of 1 Cr corpus, 10 years from now.

2. Step up your SIP and lumpsum by 15% every year to reach your target of 1 Cr corpus 15 years from now. (Modest return of 13% assumed)

Your sip break up is:
PPFAS flexicap fund (2 K)
MO Midcap fund (1.5 K)
Axis Small Cap (2.5 K)
ICICI Pru Value Discovery Fund (1 K)

I suggest you to remove ICICI Pru Value Discovery Fund from your portfolio and add that 1 K sip into MO midcap fund.

Also I recommend you to migrate to Nippon India Small Cap Fund (2.5 K)

The lumpsum I would suggest you to invest in Quant ELSS tax saver fund and SBI Technology Opportunities Fund

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

You may follow us on X at @mars_invest for updates.

Happy Investing!!

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Question by MOHIT - Jun 26, 2024Hindi

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Sir, I am currently enrolled for diploma in mechanical engineering but im confused about future. I don't know what to do after completing my diploma engineering.

Ans: Go for BE/BTech Lateral Entry and/or pursue some Certifications in Software/IT online to upgrade your skills. Have a LinkedIn Profile, put job alerts, matching your qualifications, know the job market trends and if the need arises upgrade yourself (or) you can apply for core companies if you wish to. All the BEST for Your Bright Future.

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Asked by Anonymous - Sep 19, 2024Hindi

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I am looking for course in supply chain which should wort it in my career I am having 15 years of experience in logistics

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Question by Manish - Sep 09, 2024Hindi

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My Son Presently Doing BCA after he wants AI ( Artificial Inelegance) Degree so please advice best Institutes

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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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