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Ramalingam Kalirajan |8600 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Question by Anand on Mar 17, 2024Hindi

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Hello Sir, I have the following Mutual Funds Investments, request you to let me know if these can be continued with or need to discontinue any of them, also please let me know new good performing funds to invest in. One time investment: (1) ICICI/ India Opportunities Fund - Growth - ?2,50,000, (2) ICICI/ Value Discovery Fund - Growth - ?2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - ?2,00,000. SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - ?5,000, (5) Canara Robeco Emerging Equities - Regular Plan - ?5,000, (6) Aditya Birla SL Focused Equity Fund(G) - â‚15,000, (7) HDFC Mid-Cap Opportunities Fund(G) - ?5,000, (8) ICICI Pru Bluechip Fund(G) - ?5,000, (9) Axis Small Cap Fund - Regular Plan - ?5,000, (10) ICICI Prudential Technology Fund - Growth - ?5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - ?5,000, (12) ICIPRU Multi-Asset Fund - Growth - ?5,000, (13) ICIPRU Value Discovery Fund - Growth - ?5,000. Thank You.

Ans: Dear Sir,

Your proactive approach to investing is commendable, showcasing a diversified portfolio across various sectors and fund categories. Let's review and offer some insights.

The funds you've chosen cover a broad spectrum, from sector-specific to multi-cap and mid-cap funds. Each has its unique potential and risk profile.

However, have you considered the overlapping sectors or similar investment themes in your portfolio? Diversification is key, but too much overlap can dilute the benefits.

Moreover, while past performance offers insights, it's essential to monitor current performance and adapt to market trends. Are these funds still aligning with your investment goals and risk tolerance?

Regarding new investments, exploring funds with a consistent track record and aligning with evolving market trends could be beneficial. It might be worth considering funds that align with emerging sectors or thematic funds to diversify further.

Remember, a Certified Financial Planner can provide a holistic view of your portfolio, ensuring alignment with your goals and offering tailored recommendations.

Investing is a journey of continuous learning and adaptation. Let's make it rewarding and aligned with your aspirations.

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