Hello Sir, I am investing 25k in kotak emerging equity fund, 2k in SBI blue chip fund, 2k in Nippon small cap fund and 1.5k in kotak flexicap fund. All are monthly SIPs. I want to remain invested for another 10 yrs atleast. Can I continue with these funds? Thanks

Ans: Yes you can continue for long term, with period reviews

Ans: Please continue, no need to change.

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

Ans: Considering your investment horizon of at least 7 years, your choice of mutual funds, including Kotak Small Cap, Kotak Emerging Equity, and Mirae Asset Emerging Bluechip, appears suitable. These funds have the potential to generate favorable returns over the long term, given their focus on small and emerging companies. However, regularly review the performance of your investments and ensure they align with your financial goals and risk tolerance. Consult a financial advisor if needed to reassess your investment strategy and make any necessary adjustments based on changing market conditions.

Ans: Your current portfolio appears to have a mix of mid-cap, large-cap, small-cap, and flexi-cap funds, providing diversification across market segments. Since you have a long investment horizon of at least 10 years, these funds may be suitable, provided they continue to perform well. Monitor their performance periodically and make adjustments if needed to stay aligned with your financial goals. Consider consulting a financial advisor for personalized advice based on your risk tolerance and investment objectives.