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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 03, 2022

Mutual Fund Expert... more

Question by VIJAY on Aug 03, 2022Hindi

Money

My Goals are given below:

Child Education -- child-01 -- 45 Lakh (AFter 12Yrs) Child -02 - 65 Lakh (17 Yrs) -- Total -1.1 Cr.

Child Marriage -- 80 Lakh

Retirement -- 2.5 CR

My age is 38 Yrs. I still can work for another 15 to 20 yrs.

Current value of the Mutual fund is 10.5 lakh for the below given funds. My invested funds are given below:

Quantum India ESG Equity Fund Sep-19 2000

Quantum Long term Equity Value Fund Sep-19 2000

HDFC SMALL CAP FUND - Sep-19 2500

BNP Paribas Substantial Equity Hybrid Growth Direct Plan Nov-19 3000

Mirae Asset Emerging Bluechip Growth Direct Plan Nov-19 3000

Motilal Oswal Nasdaq 100 Fund Of Fund Growth Direct Plan Nov-19 1500

Motilal Oswal Nifty 50 Index Growth Direct Plan Nov-19 1000

Axis Mid Cap Growth Direct Plan Nov-19 2500

Axis Focused 25 Growth Direct Plan Nov-19 3000

Axis Flexi Cap Growth Direct Plan Nov-19 2500

Kotak Flexicap Growth Direct Plan Nov-19 2500

Kotak Emerging Equity Scheme Growth Direct Plan Nov-19 2500

ICICI Prudential US Bluechip Equity Growth Direct Plan Nov-19 1500

29500

Also My EPF is around 15 K each month. I am ready to put in 10 to 15 thousand. Please suggest if these funds are good to meet my target or need to make any changes.

Ans: Too many funds, however most are good funds.

Do a goal based planning and attach schemes to goals, that way there will be discipline.

One set of investment with multiple goals is not advisable.

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 Aug 03, 2022

Question by VIJAY - Aug 03, 2022Hindi

Money

My Goals are given below: Child Education -- child-01 -- 45 Lakh (AFter 12Yrs) Child -02 - 65 Lakh (17 Yrs) -- Total -1.1 Cr. Child Marriage -- 80 Lakh Retirement -- 2.5 CR My age is 38 Yrs. I still can work for another 15 to 20 yrs. Current value of the Mutual fund is 10.5 lakh for the below given funds. My invested funds are given below: Quantum India ESG Equity Fund Sep-19 2000 Quantum Long term Equity Value Fund Sep-19 2000 HDFC SMALL CAP FUND - Sep-19 2500 BNP Paribas Substantial Equity Hybrid Growth Direct Plan Nov-19 3000 Mirae Asset Emerging Bluechip Growth Direct Plan Nov-19 3000 Motilal Oswal Nasdaq 100 Fund Of Fund Growth Direct Plan Nov-19 1500 Motilal Oswal Nifty 50 Index Growth Direct Plan Nov-19 1000 Axis Mid Cap Growth Direct Plan Nov-19 2500 Axis Focused 25 Growth Direct Plan Nov-19 3000 Axis Flexi Cap Growth Direct Plan Nov-19 2500 Kotak Flexicap Growth Direct Plan Nov-19 2500 Kotak Emerging Equity Scheme Growth Direct Plan Nov-19 2500 ICICI Prudential US Bluechip Equity Growth Direct Plan Nov-19 1500 29500 Also My EPF is around 15 K each month. I am ready to put in 10 to 15 thousand. Please suggest if these funds are good to meet my target or need to make any changes.

Ans: Too many funds, however most are good funds.

Do a goal based planning and attach schemes to goals, that way there will be discipline.

One set of investment with multiple goals is not advisable.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on May 13, 2022

Question by Harish - May 13, 2022Hindi

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I am 37 years old. I have been investing in Mutual Funds since June 2017. I am an aggressive investor ready to take risks. My investment horizon is long term. I am investing for my Son's higher education which is 13 years away and also for my retirement which is 23 years away. My portfolio comprises of the following mutual funds. 1) HDFC Midcap Opportunities fund Regular growth - ₹4100/- per month with top up of 10% every year. 2) L&T hybrid equity fund Regular growth - ₹5000/- per month with top up of ₹500/- every year. 3) Aditya Birla Sun Life pure value fund Regular growth - ₹4500/- per month with top up of ₹500/- every year. 4) L&T Midcap Fund Regular growth -₹6000/- per month with top up of ₹500/- every year. 5) L&T Emerging Businesses Fund Regular growth -₹6000/- per month with top up of ₹500/- every year. 6) L&T Tax Advantage fund Regular growth -₹4500/- per month with top up of₹500/- every year. 7) Aditya Birla Sun Life Tax Relief '96 fund Regular growth - ₹5000/- per month with top up of ₹500/- every year. 8) UTI Flexi Cap fund Direct growth - ₹1000/- per month. 9) DSP Midcap fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 10) DSP Equity Opportunities fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 11) DSP Flexi Cap fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 12) Aditya Birla Sun Life Equity Advantage fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 13) Aditya Birla Sun Life Flexi Cap fund - Direct growth - ₹1000/- per month with top up of ₹1000/- every year. 14) ICICI Prudential Technology Plan Direct growth - ₹1000/- per month. 15) Nippon India Small Cap fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 16) Kotak Emerging Equity fund Direct growth plan - ₹1000/- per month with top up of ₹500/- every year. 17) L&T Flexi Cap fund Direct Growth plan - ₹1000/- per month. Am I on the right track/path of investing? Please suggest necessary changes in the above portfolio if any or should I continue with the above mutual funds.Also suggest which funds should I Add/Remove from the above portfolio.

Ans: Too many funds, keep 1 fund in same / similar category. No further addition please!

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 03, 2022

Question by VIJAY - Aug 03, 2022Hindi

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My Goals are given below: Child Education -- child-01 -- 45 Lakh (AFter 12Yrs) Child -02 - 65 Lakh (17 Yrs) -- Total -1.1 Cr. Child Marriage -- 80 Lakh Retirement -- 2.5 CR My age is 38 Yrs. I still can work for another 15 to 20 yrs. Current value of the Mutual fund is 10.5 lakh for the below given funds. My invested funds are given below: Quantum India ESG Equity Fund Sep-19 2000 Quantum Long term Equity Value Fund Sep-19 2000 HDFC SMALL CAP FUND - Sep-19 2500 BNP Paribas Substantial Equity Hybrid Growth Direct Plan Nov-19 3000 Mirae Asset Emerging Bluechip Growth Direct Plan Nov-19 3000 Motilal Oswal Nasdaq 100 Fund Of Fund Growth Direct Plan Nov-19 1500 Motilal Oswal Nifty 50 Index Growth Direct Plan Nov-19 1000 Axis Mid Cap Growth Direct Plan Nov-19 2500 Axis Focused 25 Growth Direct Plan Nov-19 3000 Axis Flexi Cap Growth Direct Plan Nov-19 2500 Kotak Flexicap Growth Direct Plan Nov-19 2500 Kotak Emerging Equity Scheme Growth Direct Plan Nov-19 2500 ICICI Prudential US Bluechip Equity Growth Direct Plan Nov-19 1500 29500 Also My EPF is around 15 K each month. I am ready to put in 10 to 15 thousand. Please suggest if these funds are good to meet my target or need to make any changes.

Ans: Too many funds, however most are good funds.

Do a goal based planning and attach schemes to goals, that way there will be discipline.

One set of investment with multiple goals is not advisable.

Hemant Bokil | Answer |Ask -Follow

Financial Planner - Answered on Apr 27, 2023

Question by chittanand - Mar 28, 2023Hindi

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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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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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