Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Dec 07, 2021

Mutual Fund Expert... more
Mithun Question by Mithun on Dec 07, 2021Hindi
Listen
Money

Hi Sir, your expert opinion is needed if the below funds are good to be continued.

I have a monthly SIP in

Company No of units
Axis Midcap 10,000
Quantum Tax Saving 10,000
SBI Small Cap 15,000
Axis Bluechip 20,000
Canara Robeco Equity Hybrid 20,000
Motilal Oswal Nasdaq 100 Fund of Fund 10,000

Ans: Please continue, no need to change.

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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |8615 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2024

Listen
Money
I am investing monthly Sip for horizon 15-20yrs should I continue. Mirae asset tax saver fund parag parikh flex cap fund motilal oswal midcap fund Nippon india small cap fund quant small cap fund monthly10k in each shouid continue ? Can I add Sbi contra fund to my portfolio
Ans: Evaluation of Existing SIP Portfolio and Potential Addition

Current Portfolio Review:

Your current SIP investments in Mirae Asset Tax Saver Fund, Parag Parikh Flexi Cap Fund, Motilal Oswal Midcap Fund, Nippon India Small Cap Fund, and Quant Small Cap Fund reflect a well-diversified approach across different market segments. These funds cater to varying risk appetites and have the potential for long-term wealth creation.

Assessment of Continuing SIPs:

Mirae Asset Tax Saver Fund:

This ELSS fund offers tax benefits under Section 80C of the Income Tax Act and has a track record of delivering consistent returns.
Given your investment horizon of 15-20 years, continuing SIPs in this fund can be beneficial for wealth accumulation while availing tax benefits.
Parag Parikh Flexi Cap Fund:

Known for its global diversification strategy and focus on quality stocks, this fund is suitable for long-term wealth creation.
The fund's flexible allocation across market caps provides stability and growth potential, making it suitable for your investment horizon.
Motilal Oswal Midcap Fund:

Midcap funds tend to be more volatile but offer higher growth potential over the long term.
Considering your extended investment horizon, continuing SIPs in this fund can help capture the growth opportunities presented by mid-cap stocks.
Nippon India Small Cap Fund and Quant Small Cap Fund:

Small-cap funds have the potential for significant growth over the long term but come with higher volatility.
Since you have a long investment horizon, maintaining SIPs in these funds can capitalize on the growth potential of small-cap stocks.
Potential Addition:

Considering adding SBI Contra Fund to your portfolio merits evaluation. Here's why:

Contrarian Approach: SBI Contra Fund follows a contrarian investment strategy, investing in stocks that are undervalued or out of favor.
Diversification: Adding this fund can further diversify your portfolio, as it focuses on stocks across market caps and sectors.
Potential Upside: The fund's contrarian approach can lead to outperformance during market cycles, complementing the growth-oriented nature of your existing SIPs.
Conclusion:

Continuing SIPs in your current portfolio funds align well with your long-term investment horizon of 15-20 years. Additionally, considering the potential benefits of SBI Contra Fund and its diversification advantages, adding it to your portfolio can enhance diversification and potentially boost returns over the long term.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8615 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 2024

Asked by Anonymous - Jan 03, 2024Hindi
Listen
Money
Hi I am 37 years ole and investing in the following mutual funds via monthly SIP's for the past 2 years 1. Aditya Birla Sun Life Digital India Fund (1.5k) 2. Bandhan Tax Advantage ELSS Fund (1k) 3. Canara Robeco ELSS Tax Saver (1k) 4. DSP ELSS Tax Saver Fund (1k) 5. ICICI Prudential Technology Fund (2k) 6. Mirae Asset ELSS Tax Saver Fund (2k) 7. Nippon India Small Cap Fund (1.5k) Please suggest if all these funds are good to continue in the future. Additionally, I plan to increase the monthly SIP by another 5k per month from January 2024. Let me know if Parag Parikh Flexi Cap and Quant Small Cap are good options, or should I continue to invest more in the existing funds?
Ans: It's great to see that you're investing regularly in mutual funds for your future financial goals. Here are some insights and suggestions regarding your current investments and future plans:

Review Existing Investments: It's essential to periodically review the performance of your current mutual fund investments to ensure they are aligned with your financial goals and risk tolerance. Evaluate factors such as fund performance, expense ratios, fund manager track record, and portfolio diversification.

ELSS Funds: ELSS (Equity Linked Savings Scheme) funds offer tax benefits under Section 80C of the Income Tax Act, along with the potential for long-term capital appreciation. Since you're investing in multiple ELSS funds, ensure that they have a consistent track record of performance and are managed by experienced fund managers.

Sectoral Funds: Funds like Aditya Birla Sun Life Digital India Fund and ICICI Prudential Technology Fund invest in specific sectors (digital/technology). While these funds can offer high growth potential, they also carry higher risk due to sector-specific volatility. Make sure to monitor these funds closely and be prepared for fluctuations in returns.

Small Cap Fund: Nippon India Small Cap Fund invests in small-cap stocks, which have the potential for high returns but are also more volatile. Given the risk associated with small-cap funds, ensure that they align with your risk appetite and investment horizon.

Future SIP Increase: Increasing your SIP amount is a prudent move to accelerate wealth accumulation over time. Before adding new funds or increasing existing SIP amounts, assess your overall portfolio diversification and risk exposure.

New Fund Consideration: Parag Parikh Flexi Cap Fund is known for its diversified investment approach across different market caps and sectors, making it suitable for long-term wealth creation. Quant Small Cap Fund focuses on small-cap stocks and can complement your existing small-cap allocation.

Asset Allocation: Ensure that your overall portfolio is well-diversified across different asset classes, such as large-cap, mid-cap, small-cap, and flexi-cap funds, to mitigate risk and optimize returns.

Professional Advice: Consider seeking advice from a certified financial planner or investment advisor who can provide personalized recommendations based on your financial goals, risk profile, and investment horizon.

In summary, while your current investments appear diversified, it's essential to monitor their performance regularly and make adjustments as needed. Increasing your SIP amount and considering additional funds like Parag Parikh Flexi Cap and Quant Small Cap can enhance diversification and potentially improve long-term returns. However, ensure that any new additions align with your investment objectives and risk tolerance.

..Read more

Latest Questions
Nayagam P

Nayagam P P  |5562 Answers  |Ask -

Career Counsellor - Answered on May 31, 2025

Career
Sir my son has two career choices one is merchant navy deck side and another one is computer science in GL Bajaj and for jaypee institute wr are waiting for counselling , it might be possible that he get it in sector 128 jaypee , being a mother i am so confused that shall i go with merchant navy but then again he has to go on ship for around 6 month , kindly help
Ans: Both Merchant Navy (Deck Side) and Computer Science at GL Bajaj or Jaypee Institute offer distinct career trajectories. The Merchant Navy provides an adventurous, well-structured path starting as a deck cadet, requiring a minimum of 60% in PCM, physical fitness, and a strong commitment to extended periods at sea—typically six months onboard, followed by shore leave. Progression involves pre-sea training, 18 months of sea service, and successive exams for officer ranks, but the lifestyle demands long separations and adaptability to challenging environments. In contrast, Computer Science at GL Bajaj or potentially Jaypee (Sector 128) offers a stable, land-based career with opportunities in software, IT, and emerging tech fields, allowing for greater work-life balance and proximity to family. If your son is passionate about travel, maritime life, and can handle long durations away from home, Merchant Navy can be rewarding and prestigious. However, if family presence, flexibility, and a technology-driven career are priorities, Computer Science from a reputable institute is preferable, especially as the tech sector offers diverse roles and growth. Consider his temperament, adaptability, and long-term lifestyle preferences before making a decision. All the BEST for your Son's Admission & a Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Dr Ganesh

Dr Ganesh Natarajan  |70 Answers  |Ask -

Career Expert - Answered on May 31, 2025

Nayagam P

Nayagam P P  |5562 Answers  |Ask -

Career Counsellor - Answered on May 31, 2025

Asked by Anonymous - May 30, 2025
Career
My son has secured 85% in ICSE 12 th board with PCM, Eng n Mass communication. In PCM group he has secured 61% only hence not eligible for BITSAT, could not qualify JEE mains (20percentile). NDA not cleared. Appeared in WBJEE. Result awaited. Thru CUET, he wants to study English literature in the best colleges of India. He is very good at English n secured 98%. He is the only child, we want him to be technical graduate, so that he is employable and can take over from his father, who worked with ALFALAVAL, now has his own techmart company and is a dealer of ALFALAVAL a Swedish MNC in heavy Engg
Ans: Your son’s 98% in English and 85% overall in ICSE align strongly with BA English (Hons) at top CUET colleges like St. Stephen’s College (DU), Lady Shri Ram College, or Christ University, which prioritize language proficiency and holistic profiles. However, to balance technical employability, consider interdisciplinary programs such as BA English with Digital Humanities (DU) or Integrated BA+MA in English (EFLU Hyderabad), supplemented by certifications in technical writing, project management, or business analytics to align with your family’s engineering business. Alternatively, explore BSc in Computer Applications at Ambedkar University Delhi (via CUET’s General Test) or BA Economics with Data Science (JMI), blending analytical skills with humanities. If WBJEE results permit, Jadavpur University’s Comparative Literature offers flexibility to minor in technical electives. Prioritize institutions like DU or Christ University for their industry networks, enabling internships in tech-adjacent roles (content strategy, technical documentation) while maintaining literary rigor. All the BEST for your Son's Admission & a Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x