Hello Sir, I am new to Mutual Fund Investement. I had Axis Blue Chip Fund SIP for Past 3 years and I got only 2% return. This year I have started SIP of 10K each in Nippon India Small Cap Fund and Quant Small Cap Fund. In Past 8 Months For 1.6 Lakhs I am getting a return of 10%. I have some lumpsum to be invested and I want to invest in MF and start SIP on the same for around 1 Lakh in addition to 20 K. Can you suggest some large cap, mid cap, flexicap and small cap fund to get an average return of 12% to 15% pa. These are some of the fund I have short listed. Can you please guide me. Aditya Birla Sun Life Flexi Cap Fund Aditya Birla Sun Life Pure Value Fund HSBC Small Cap Fund HSBC Value Fund ICICI Prudential Equity & Debt Fund ICICI Prudential Value Discovery Fund Parag Parik Flexicap Fund Kotak Flexicap Fund Mirae Asset Emerging Bluechip Fund Nippon India Multi Cap Fund?Growth Plan

Ans: Please continue

Ans: This is OK

The schemes that you may consider are as under

- Samco Flexi Cap Fund - Growth

- Hdfc Index Fund - Sensex Plan - Growth

- Parag Parikh Flexi Cap Fund- Growth

- Uti Mnc Fund - Growth Plan

Ans: Exploring Mutual Fund Options for FlexiCap and MidCap Sectors
Mithun, it's commendable that you're considering expanding your investment portfolio beyond a single mutual fund. Let's explore some suitable options in the flexicap and midcap sectors for your investment horizon of up to 10 years.

Understanding FlexiCap and MidCap Funds:
FlexiCap Funds:

FlexiCap funds offer flexibility to invest across market capitalizations based on prevailing market conditions.
They provide a balanced approach, combining the growth potential of midcap and small-cap stocks with the stability of large-cap stocks.
MidCap Funds:

Midcap funds focus on investing in companies with medium market capitalization, offering significant growth potential.
While midcap stocks can be more volatile than large-cap stocks, they also have the potential to deliver higher returns over the long term.
Recommended Mutual Funds:
FlexiCap Funds:

Look for funds with a proven track record of consistently outperforming their benchmarks and peers.
Consider funds managed by experienced fund managers known for their disciplined investment approach and risk management strategies.
MidCap Funds:

Choose funds that invest in fundamentally strong midcap companies with sustainable growth prospects.
Look for funds with a consistent performance history across various market cycles and a well-diversified portfolio.
Factors to Consider:
Fund Performance:

Evaluate the historical performance of potential mutual funds, focusing on long-term returns rather than short-term fluctuations.
Look for funds that have consistently outperformed their benchmarks and peers over multiple time periods.
Fund Manager Expertise:

Assess the expertise and track record of the fund manager in managing flexicap or midcap funds.
A skilled and experienced fund manager can significantly influence the fund's performance and ability to navigate market volatility.
Expense Ratio:

Pay attention to the expense ratio of mutual funds, as lower expenses can enhance overall returns over time.
Choose funds with reasonable expense ratios that align with the fund's investment strategy and objectives.
Conclusion:
Mithun, as you embark on diversifying your investment portfolio, consider the recommendations provided above to select mutual funds in the flexicap and midcap sectors. Remember to conduct thorough research, consult with a Certified Financial Planner if needed, and stay committed to your long-term investment goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Your SIP allocation has a significant tilt towards small and flexi-cap funds, which can be volatile but offer growth potential. Given your age and investment horizon:

Consider diversifying by adding a large-cap or multi-cap fund to balance the portfolio.
Revisit the technology fund's exposure; while it can offer high growth, it can also be volatile.
Ensure your portfolio aligns with your risk tolerance and long-term goals.
Regular reviews with a financial advisor can help adjust your strategy as needed and ensure your portfolio remains well-balanced.