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Ulhas Joshi | Answer |Ask -Follow

Mutual Fund Expert - Answered on Jun 27, 2024

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more

Question by ROHAN on Jun 24, 2024Hindi

Money

Hello Ulhas Joshi sir, this is rohan. Age 29, I invest 7k per month in various fund; 1. Canara Robeco Emerging Equity Fund - 2000 2. Kotak Smallcap Fund - 1000 3. Nippon India Growth Fund - 2000 4. Parag Parikh Flexi Cap Fund - 2000 Please suggest MF selection is good or need some changes from a long-term perspective around 18-25 years.

Ans: Hello Rohan & thanks for writing to me. The funds you have chosen are good funds & you can continue to invest in them.

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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Question by Bijay - Feb 16, 2022Hindi

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I am 36 yrs working in a reputed MNC IT company having 14 yrs of IT Experience. I have invested in MF since 2016 with a long goal for capital appreciation, for buying Home, Child education and retirement plan. I can take moderate Risk. Below are my MFs, could you please suggest by looking my portfolio (55% Equity, 45% debt value) Axis Blue Chip Fund Direct Growth - SIP 7500 Mirae Asset Emerging Bluechip(G) - SIP 7500 Kotak Emerging Equity Scheme Growth - SIP 5000 Parag Parikh Long Term Equity Growth SIP 5000 UTI Equity Growth Direct Plan SIP 5000 Axis Small Cap Growth - SIP 5000 Franklin India Smaller Cos Fund(G)- SIP 3000 SBI Focused Equity GrowthÂ&nbsp - SIP 5000 Axis Short Term Growth (Short Duration Fund) - SIP 20000 Aditya Birla Sun Life Banking & PSU Debt Growth SIP 5000 Nippon India Gilt Securities Growth - SIP 5000 Nippon India Liquid Growth - SIP 10000

Ans: This is fine; we can review it post 1 year

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Head, Rank MF - Answered on Feb 20, 2020

Question by Prabhat - Feb 20, 2020Hindi

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I am 63+ have following MF investments. Please advise which fund I should continue which one I should switch over to other funds. Going by the trend in last 33 months, I don’t find any encouraging result, will you guide me please? 1. L&T Emerging business fund growth Rs.1,000/- SIP - Money has not appreciated at all 2. Baroda Pioneer Credit risk fund Growth Rs.4 lakh 3. L&T Credit risk Fund Growth Rs.3 lakh 4. ICICI Pru Balanced Advantage Fund Growth Rs.3 lakh 5. ICICI Pru Equity & Debut fund Growth Rs.1 lakh As I am 63+ I want to get return of approx 0.60% SWP/month. Please enlighten which fund will be suitable for me. Name of the Fund Category RankMF Star Rating Prabhat Banerjee 1. L&T Emerging business fund growth Equity - Small Cap Fund: 1 2. Baroda Pioneer Credit risk fund Growth Debt - Credit Risk Fund 2 3. L&T Credit risk Fund Growth Debt - Credit Risk Fund 2 4. ICICI Pru Balanced Advantage Fund Growth Hybrid - Balanced Advantage 5 5. ICICI Pru Equity & Debt fund Growth Hybrid - Aggressive Hybrid Fund 3

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Question by Kannan - Oct 09, 2023Hindi

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Hello, I am 39 years old and have just started to invest in MF. Aim is to have good retirement life and funds for son’s education in the next 6-7 years. I am good to invest 1-1.2lacs a month and currently started investing in below funds: Mirae large and Mid cap funds Nippon small cap Kotak emerging funds ICICI Pru blue chip Axis Mid Cap Axis Multi cap SBI Magnum Midcap Quant Mid Cap

Ans: Hello, you are on the right path. Keep the discipline and you will reach your goal as decided by you

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Question by Rajeev - Oct 13, 2023Hindi

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Hello, I am 41 years old and have just started to invest in MF. Aim is to have good retirement life and funds for daughter’s education in the next 9-10 years. I am not good to invest 8-12k a month and currently started investing in below funds: Nippon small/Large cap, Kotak, Canara, Axis, ICICI & SBI Bluechip

Ans: It's commendable that you've taken the initiative to invest for both your retirement and your daughter's education. Diversifying across various mutual funds is a strategic move akin to planting different seeds in a garden. Each seed has its unique growth trajectory and potential.

However, while variety is good, it's also essential to ensure that these funds align with your financial goals and risk tolerance. Sometimes, having too many funds can complicate tracking and managing your investments. Consider reviewing your portfolio periodically to ensure it remains in line with your objectives.

As you journey towards your retirement and your daughter's educational goals, remember that patience and consistency are your allies. The world of mutual funds can be unpredictable, much like the seasons. There will be periods of growth and times of stagnation. Stay invested, stay informed, and consider seeking advice from a financial advisor to nurture your financial garden effectively.

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My nephew has got 98.2 percentile in JEE mains 2025. Category is generally. Interested in doing CSE. Which NIT or IIIT we can expect.

Ans: Congratulations to your nephew on securing a 98.2 percentile in JEE Main 2025.
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NIT Jaipur (MNIT) 1,010 1,989
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Hello Sir! My Sister's 10 marksheet has name as (Surname- name- father name) but adhar card have her name first ( name -father name-surname). We applied for adhar update but from last 2 months it is showing pending. We can't do anything. If it doesn't get updated before the deadline of NEET application what should we do? Please help!

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Ans: Your son's JEE Main percentile of 90.82, combined with the SC reservation, positions him favorably for admission into reputable engineering institutes.
1. Eligibility for JEE Advanced: The qualifying percentile for SC candidates to appear for JEE Advanced has historically been around 50-60%. With a percentile of 90.82, your son surpasses this threshold, making him eligible to attempt the JEE Advanced, the gateway to the Indian Institutes of Technology (IITs).
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Sir actually we are confused to choose course between pharm D and BDS. kindly give us advice regarding the course and it's scope and future like job aur own business

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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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