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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Oct 17, 2022

Mutual Fund Expert... more

Question by Bhavna on Oct 17, 2022Hindi

Money

I had invested Rs 25 k lump sum in Edelweiss Greater China off shore equity fund about 2yrs back. Should I stay put or withdraw the money? I can hold for long term.

Ans: Kindly exit

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 10, 2022

Question by Pranabananda - Jun 10, 2022Hindi

Money

I am 48. Sir I have SIP in the following funds. Please let me know if I should continue or need to do any change in my investment. 1) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND-GROWTH Rs.1000 13.06.2016 (date) 2) DSP MID CAP FUND--GROWTH Rs.3000 12.06.2017 3) HDFC MID CAP OPPORTUNITIES FUND-GROWTH Rs.2000 20.12.2016 4) ICICI PRUDENTIAL VALUE DISCOVERY FUND-GROWTH Rs.1000 14.06.2016 5) MIRAE ASSET EMERGING BLUECHIP FUND-GROWTH Rs.1000 14.06.2016 6) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.2000 19.12.2016 7) HDFC CHILDRENS GIFT FUND-GROWTH Rs.1000 13.06.2016 8) AXIS FLEXI CAP FUND-GROWTH Rs.3000 02.06.2021 9) MIRAE ASSET HYBRID-EQUITY FUND-GROWTH Rs.1500 02.06.2021 10) MIRAE ASSET MIDCAP FUND-GROWTH Rs.3000 05.07.2021 11) NIPPON INDIA SMALL CAP FUND -GROWTH Rs.1000 26.12.2017 Sir I have invested lump sum amount in the following funds. Please suggest whether to continue or exit. 1) ADITYA BIRLA SUN LIFE BANKING AND FINANCIAL Rs.50,000 22.08.2016 (date) Rs.79,647 (present value) SERVICES FUND-GROWTH 2) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY Rs.50,000 22.08.2016 Rs.87,455 FUND-GROWTH 3) ADITYA BIRLA SUN LIFE SMALL CAP FUND-GROWTH Rs.100,000 29.06.2017 Rs.132,490 4) HDFC HYBRID EQUITY FUND-GROWTH Rs.120,273 01.06.2018 Rs.178,746 5) ICICI PRUDENTIAL BLUECHIP FUND-RETAIL-GROWTH Rs.20,042 22.02.2018 Rs.31,422 6) L&T INDIA VALUE FUND-GROWTH Rs.25,000 22.08.2016 Rs.48,505 7) L&T INDIA VALUE FUND-GROWTH Rs.150,000 17.04.2017 Rs.245,565 8) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.25,000 22.08.2016 Rs.61,878 9) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.105,000 28.04.2017 Rs.216,372 10) ADITYA BIRLA SUN LIFE PURE VALUE FUND-GROWTH Rs.50,000 06.11.2018 Rs.65,281 11) ADITYA BIRLA SUN LIFE TAX RELIEF 96-GROWTH Rs.100,000 06.11.2018 Rs.128,895 12) L&T EMERGING BUSINESS FUND-GROWTH Rs.100,000 13.12.2017 Rs.155,097 13) MIRAE ASSET BANKING & FINANCIAL Rs.264,987 16.12.2020(STP) Rs.273,346 SERVICES FUND-GROWTH 14) MIRAE ASSET BANKING & FINANCIAL Rs.50,000 23.11.2021 Rs.44,129 SERVICES FUND-GROWTH 15) MIRAE ASSET GREAT CONSUMER FUND-GROWTH Rs.180,000 13.12.2017 Rs.284,600 16) MIRAE HEALTHCARE FUND-GROWTH Rs.200,000 09.11.2018 Rs.401,429 17) MIRAE ASSET MIDCAP FUND-GROWTH Rs.235,462 9.12.2020(STP) Rs.280,601 18) NIPPON INDIA SMALL CAP FUND-GROWTH Rs.100,000 12.12.2017 Rs.178,693 19) TATA FLEXI CAP FUND-GROWTH Rs.100,000 09.11.2018 Rs.149,127 20) TATA INDIA CONSUMER FUND-PLAN A-GROWTH Rs.100,000 09.11.2018 Rs.141,382 21) UTI SMALL CAP FUND-GROWTH Rs.100,523 22.12.2020(STP) Rs.137,025

Ans: Too many funds, please consolidate it in 4 to 5 funds

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 30, 2020

Question by Deepak - Jan 30, 2020Hindi

Money

I have a lump sum investment in in following MUTUAL FUNDS. Please advice whether i should exit or remain invested ABSL Frontline equity fund - Direct –Growth Franklin India Equity Fund - Direct- Growth HDFC Hybrid Equity Fund-Direct –Growth HDFC Capital Builder Value Fund -Regular- Growth ICICI Pru Balanced Advantage fund- regular-Growth ICICI Pru value discovery Fund- Regular-Growth SBI Bluechip Fund-Direct – Growth Name of the Fund Category RankMF Star Rating Deepak Suri ABSL Frontline equity fund - Direct –Growth Equity - Large Cap Fund 4 Franklin India Equity Fund- Direct- Growth Equity - Multi Cap Fund 3 HDFC Hybrid Equity Fund-Direct –Growth Hybrid - Aggressive Hybrid Fund 5 HDFC Capital Builder Value Fund -Regular- Growth Equity - Value Fund 3 ICICI Pru Balanced Advantage fund- regular-Growth Hybrid - Balanced Advantage 5 ICICI Pru value discovery Fund- Regular-Growth Equity - Value Fund 3 SBI Bluechip Fund-Direct- Growth Equity - Large Cap Fund 3

Ans: You may please continue with 4 and 5 star schemes; for the rest you can consider these:

Equity - Value Fund:

Tata Equity P/E Fund (Growth Option)
UTI Value Opportunities Fund- Growth Option
L&T India Value Fund Growth Option

Equity Multi Cap:

Motilal Oswal Multi Cap 35 – Growth
UTI Equity Fund – Growth

Ramalingam Kalirajan |6995 Answers |Ask -Follow

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

Question by vimal - Mar 21, 2023Hindi

Money

sir, pl. advise me whether to continue or wait with this fund. I have invested in these funds sip / lumpsum. Aditya Birla Sun Life Small Cap Fund (formerly known as Aditya Birla sun Life Small & Midcap fund) Lumpsum Aditya Birla sun Life frontline equity fund Lumpsum Aidtya Birla sun life liquid fund Lumpsum Aditya Birla sun life tax relief '96 SIP stopped ICICI Prudential Equity & Debt Fund â€ Growth Lumpsum Hdfc Balanced advantage fund-Direct Plan-Growth Option Lumpsum ICICI prudential value discovery fund_direct plan- Growth earlier known as ICICI prudential value fund series 19 direct plan subsequently switch out (merger) on 24.06.2021 Lumpsum Nippon India Focused Equity Fund â€Growth Plan Lumpsum Nippon India Large Cap Fundâ€ Growth Plan â€Growth Option Lumpsum Axis Small Cap Fund â€ Regular Plan â€ Growth SIP Canara Robeco Emerging Equities â€ Regular Plan Growth SIP HDFC Multi Cap Fund â€ Growth Option SIP ICICI Prudential Flexicap Fund â€ Growth SIP ICICI Prudential Transportation And Logistics Fund SIP SBI Magnum Midcap Fund - Regular Plan - Growth SIP

Ans: When deciding whether to continue or wait with your current mutual fund investments, consider the following factors:

Performance: Evaluate the performance of each fund over different time periods. Look at their returns compared to benchmark indices and peer funds in the same category.
Fund Objectives: Ensure that the objectives of the funds align with your investment goals and risk tolerance. Review the fund's investment strategy and portfolio composition.
Fund Manager: Assess the track record and expertise of the fund manager managing each fund. A skilled and experienced fund manager can significantly impact fund performance.
Expense Ratio: Consider the expense ratio of each fund, as higher expenses can eat into your returns over time. Compare the expense ratios of your funds with similar funds in the market.
Market Conditions: Take into account the current market conditions and economic outlook. Certain funds may perform better in specific market environments.
Changes in Personal Financial Situation: Evaluate any changes in your personal financial situation or investment goals that may necessitate adjustments to your portfolio.
Review Periodically: Regularly review your portfolio to ensure it remains aligned with your objectives. Consider rebalancing or making changes if needed based on market trends or changes in your financial situation.
By carefully considering these factors and possibly seeking advice from a financial advisor, you can make informed decisions about whether to continue or wait with your current mutual fund investments.

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Mutual Fund Expert - Answered on Jul 11, 2023

Question by vimal - Mar 21, 2023Hindi

Money

sir, pl. advise me whether to continue or wait with this fund. I have invested in these funds sip / lumpsum. (1) Aditya Birla Sun Life Small Cap Fund (2) Aditya Birla sun Life frontline equity fund (3) Aidtya Birla sun life liquid fund (4) Aditya Birla sun life tax relief '96 SIP (5) ICICI Prudential Equity & Debt Fund â€ Growth (5) Hdfc Balanced advantage fund-Direct Plan-Growth Option (6) ICICI prudential value discovery fund_direct plan- Growth (7) Nippon India Focused Equity Fund â€Growth Plan (8) Nippon India Large Cap Fundâ€ Growth Plan â€Growth Option :– I have invested lumpsum amount in all above scheme. (1) Axis Small Cap Fund â€ Regular Plan â€ Growth SIP Canara Robeco Emerging Equities â€ Regular Plan Growth (2) HDFC Multi Cap Fund â€ Growth Option (3) ICICI Prudential Flexicap Fund â€ Growth (4) ICICI Prudential Transportation And Logistics Fund (5) SBI Magnum Midcap Fund - Regular Plan – Growth :- I am investing SIP of Rs. 1500-00 per month since Nov. 202.

Ans: Hello Vimal and thanks for writing to me. The funds you are investing in are good funds and you can continue to invest in them.

If you elaborate your goals and risk appetite, I may recommend other schemes.

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Dear Sir, I am 45 yrs, married person with a son. My relations with wife is zero due to her health problem. In my office one lady faculty of 32 yrs with daughter, speaks and behave very sweetly with me. I feel she likes me and i also like her. So i invited her for coffee on one day. She came and we spent more than one hour about speaking on each other's personal things. After few days i again invited her for coffee. She also accepted it. But this time, i mistakenly told about this one of office friend, who is very jealous to us. It goes viral in office. Now that lady stopped talking to me and blocked me from her contacts. May i lost the chance of love with her due to this mistake?

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You are assuming that your lady-friend liked you romantically; she could've considered you a good friend- good friends can have coffee together too. Maybe the reason she blocked you is that you misread the relationship and even discussed it with someone in the office. And since you mentioned you have a wife and she has health issues as well, how do you think things would have worked out between you and your lady friend, even if you knew for a fact that she is interested in you? I suggest you move on from this and also consider opening up to your wife about how the lack of intimacy in your marriage is pushing you to look for the same feelings outside.

Best Wishes.

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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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