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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 28, 2021

Mutual Fund Expert... more

Question by Arun on Dec 28, 2021Hindi

Money

Currently, I'm investing Rs 16,000 per month in the below funds:

Mutual Funds Amount

1. ICICI Equity & Debt Fund Rs 6,000

2. Mirae Asset Emerging Bluechip Fund Rs 5,000

3. Axis Long Term Equity Fund Rs 1,000

4. Parak Parikh Flexi Cap Fund Rs 3,000

5. Nippon Small Cap Fund Rs 1,000

I'm planning to invest for next 10 years and am a moderate risk taker.

Is this portfolio good to continue for this tenure?

What is your suggestion if I increase my monthly contribution in the future?

I'm open to any suggestions.

Ans: You may consider:

Mutual Funds	Plan
DSP Top 100	Growth
Axis ESG Equity Fund	Growth

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 Feb 20, 2020

Question by Mohit - Feb 20, 2020Hindi

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I do a regular investment per month of Rs 9000 as SIP in mutual funds. The funds I am holding currently are: Name of the Fund Category RankMF Star Rating MohitBhardwaj 1. DSP Equal Nifty 50 Fund-Reg (G) -Rs 2000 Index Funds - Nifty 2 2. DSP Equity Opportunities Fund-Reg (G) -Rs 1000 Equity - Large & Mid Cap Fund 4 3. DSP Natural Res & New Energy Fund-Reg (G) - Rs 1000 Equity - Sectoral Fund - Energy & Power 2 4. Franklin India Prima Fund (G)- Rs 1000 Equity - Mid Cap Fund: 2 5. Franklin India Taxshield (G)- Rs 1000 Equity - ELSS 4 6. ICICI PruBluechip Fund (G)- Rs 1000 Equity - Large Cap Fund: 2 7. ICICI Pru Value Discovery Fund (G) - Rs 1000 Equity - Value Fund: 2 8. ICICI Pru Value Fund-16 (G) – Rs 1000 Equity - Value Fund: 2 9. ICICI Pru Value Fund-17 (G) Equity - Value Fund: 2 10. ICICI Pru Value Fund-18 (G) Equity - Value Fund: 2 11. Invesco India Growth Opp Fund (G) Equity - Large & Mid Cap Fund 4 12. L&T Hybrid Equity Fund-Reg (G) Hybrid - Aggressive Hybrid Fund 5 13. MotilalOswalMulticap 35 Fund-Reg (G) Equity - Multi Cap Fund: 5 14. Nippon India Capital Builder Fund-IV-A (G) 15. Nippon India NiveshLakshya Fund (G) Debt - Long Duration Fund 5 16. Quantum Long Term Equity Value Fund-Reg (G) Equity - Value Fund: 2 17. Parikh Long Term Equity Fund-Reg (G) Equity - Multi Cap Fund: 5 18. Tata Hybrid Equity Fund-Reg (G) Hybrid - Aggressive Hybrid Fund 5 I have invested Rs 351,388 till now and my market value is Rs 386,870 which means my annual return is 5.2 per cent. Shall I continue to invest in the above funds or shall I switch to some other better fund as per your advice and what will be my capital (return) if I continue to invest for next 10 years as my current age is 35 years and I wish to invest till my age reach 50.

Ans: You may continue with 4 and 5 star rated funds; for remaining you may consider from below:

Equity - Value Fund:

Tata Equity PE Fund - Growth
UTI Value Opportunities Fund - Growth Plan

Equity - Multi Cap Fund:

UTI Equity Fund – Growth
Axis Multicap Fund – Growth

Equity - Large Cap Fund:

UTI Mastershare Unit Scheme - Growth Plan
LIC MF Large Cap Fund-growth

Equity - Mid Cap Fund:

MOSL Midcap 30 Fund – Growth
DSP midcap – growth

Equity - Small Cap Fund:

Kotak Small Cap Fund – Growth
Axis Small cap Fund - Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on May 25, 2021

Question by anindya - May 25, 2021Hindi

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Following are my investments: SBI Magnum Global Fund - Regular Plan – Growth (M0nthly) 2000.00 P.M SBI Focused Equity Fund Regular Growth (Monthly) 3000.00 P.M SBI Magnum Multicap Fund - Regular Plan – Growth (Monthly) 3000.00 P.M SBI Blue Chip Fund - Regular Plan – Growth (Monthly) 2000.00 P.M SBI Equity Hybrid Fund Regular Growth (Monthly) 3000.00 P.M SBI Dual Advantage Fund - Series XXVIII - Direct – (one time) 50000.00 SBI Equity Hybrid Fund Regular Growth (One Time) 150000.00 Please guide me.

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Financial Planner - Answered on Apr 27, 2023

Question by chittanand - Mar 28, 2023Hindi

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DEAR MR.BOKIL I AM INVESTING MUTUAL FUNDS FRANKLIN PRIMA GROWTH -4000 PGIM INDIA GLOBAL EQUITY -2000 SBI BALANCED ADVANTAGE FUND 1000 KOTAK SMALL CAPS -GROWTH 1000 ICICI PRUDENTIAL -EQUITY GROWTH -1000 HDFC MUTUAL FUND GROWTH 2000 KOTAK MUTUAL FUND-MI CAP 3000 LAST 10YEARS HOLDING SBI -165 SHARE TATA MOTORS -50 TATAPOWER 75 CANARA BANK -75 ADANI PORT-25 COAL INDIA -25 KINDLY ADVICE MY AGE

Ans: Hello Mr Chittanand , Glad to see you are already into investing. Kindly reduce number of schemes and same nature schemes. As far as shares are concerned portfolio looks good but do book profits when you get them.
Kindly let me know what advice you need as your question does not say so

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Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Question by Anand - Jan 28, 2024Hindi

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Hi Vivek my name is Anand and Iam 48 yrs old. I am investing monthly 32165/- in the following funds. DAY AMT SCHEME 1 1000 SBI Small Cap Fund-Direct-Growth 2 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 1000 DSP Midcap Fund-Direct-Growth 1000 Mirae Asset Large Cap Fund Direct Plan Growth 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 6 7 1000 SBI Small Cap Fund-Direct-Growth 8 9 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 10 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 11 1250 DSP Midcap Fund-Direct-Growth 12 1250 Mirae Asset Large Cap Fund Direct Plan Growth 13 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 14 15 1000 SBI Small Cap Fund-Direct-Growth 16 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 17 1250 DSP Midcap Fund-Direct-Growth 18 1250 Mirae Asset Large Cap Fund Direct Plan Growth 19 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 20 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 21 1000 SBI Small Cap Fund-Direct-Growth 22 23 24 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 25 1000 DSP Midcap Fund-Direct-Growth 26 1000 SBI Small Cap Fund-Direct-Growth 27 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 28 1000 Mirae Asset Large Cap Fund Direct Plan Growth I am planning for next 10 years and how much corpus can I get after 10 years.

Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

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Question by Sanjeev - Oct 04, 2024Hindi

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Hi Myself Sanjeev Kumar from Himachal Pradesh, I am in mutual funds from last 3 years on below mutual funds 1. Aditya birla multicap fund (regular growth) ---- Rs 1000 monthly 2. Invesco India flexi Cap fund (Plan growth) ------ Rs 1000 monthly 3. Invesco India Multicap fund (regular growth) ---- Rs 1000 monthly 4. Kotak multicap fund (regular) ------------------------- Rs 1000 monthly 5. Kotak emerging equity fund (growth) --------------- Rs 1000 monthly 6. Kotak ELSS tax saver fund ------------------------------- Rs 500 monthly 7. Union tax saver fund (ELSS) ---------------------------- Rs 1500 monthly 8. Bandhan Nifty 200 momentum 30 index fund (regular plan) --- Rs 1000 monthly (started a month ago) Apart from above, I am investing in below also 1. PPF ---------------- 1.5 lac annually 2. NPD ---------------- 0.5 lac annually 3. LIC ----------------- 0.5 lac annually Si/mam i want to ask is my portifoilio good enough to produce at least 60- 70 lakhs in next 10-12 years returns or some reshuffling is required. If yes kindly suggest some good funds. Hoping to hear from you soon Thanks

Ans: Hello;

Your mutual fund monthly sip of 8 K need to be increased to 10 K ( maybe you can add 2 K additional investment in Kotak ELSS tax saver fund).

PPF and other investment should continue as planned.

This will ensure your MF corpus + PPF will reach 60 L+ in value over 12 years.

LIC policy maturity sum and NPD will be bonus.

Funds are good. No need to change.

Happy Investing;

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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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