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Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on Oct 12, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Asked by Anonymous - Sep 15, 2023Hindi
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Money

dear sir, 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: Hello and thank you for writing to me. Assuming that you are investing for the long run, the funds you invest in are good funds and you can continue investing in them.
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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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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Dev Ashish  | Answer  |Ask -

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

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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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Archana

Archana Deshpande  |103 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Mar 04, 2025

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Hi Mam, Hope you are doing well. I am very worried about my son who is now 12.5 years old and studying in 7th standard in a very reputed school. Since childhood, he has no interest in studies, unless we doesn't seat in front of him, he doesn't study. Every teacher from his kindergarten days upto now has the same complaint that he is doesn't pay attention in class and the result is he doesn't get good marks in the exam. When we scold him for studies, he does it for that particular time only and then get back to his non-interest mode again and start to run from studies. He will play video games, goes to play around with his friends, he will find some or the other reason for not doing studies or homework. The irony is that he is not interested in any sports or any other kind of activities. In every summer holidays, we make him to join some sports or music classes, but there also he doesn't show interest and do things just for the sake of showing. From last year, we have started sending him to tuitions also, but no change in attitude. This year we have found a teacher of his reputed school who is retired and taking tuitions, we are sending him to her and she is charging a big amount for tuitions. please guide how can we change his attitude and make him more serious in any activity he does as he doesn't have interest in anything (we have observed doing everything we can).
Ans: Hello Sunil!!

I am doing great, thank you for asking, God bless you!

I can totally understand when you say you are worried.

Your son is 12.5, he will soon be a teenager. There will be different challenges, I want you to read up on parenting a teenager and be ready to handle him well.

The problem as I see it is that everyone of you, his teachers included have made studies like a burden for him.... and subjected the young child to a lot of anxiety, he just wants to run away form it....
"Every teacher from his kindergarten days upto now has the same complaint that he is doesn't pay attention in class".... this statement of yours... it is the teacher's duty to ensure the child listens to him/her, how can she start labeling a child like this. From a young age your son has been conditioned to believe that he is not not good in studies, he doesn't focus and he doesn't sit in one place. All my sympathies are with your son...every child comes with immense potential and it's our duty as parents and teachers to nurture the child.

The following is what I propose so that we bring him back to loving to learn ( not score marks, that should never be the barometer)-
1. Love your child the way he is now
2. Give him lot of positive strokes
3. Have one on one sessions for any activity you plan for him... let him choose the activity, empower him
4. choose a teacher, who can get along with him and help him develop a positive attitude towards studies and life in general
5. look for a school where they nurture him... not just a reputed one...less number of students and a teacher who is invested in her/ his students,

If you can connect with me, I can help him. Have had many a students in this kind situation.
This is my website..
https://transformme.co.in/

Loads of best wishes to the whole family..

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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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