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Ulhas Joshi |280 Answers |Ask -Follow

Mutual Fund Expert - Answered on Feb 16, 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 Rajesh on Oct 18, 2023Hindi

Money

Hi Hemant, Good day. I am planning to start SIP's (55K per month) in the following Mutual funds for a horizon of 5-7 years to create 1 corpus. Could you please review and suggest if they look fine or need any changes/alternate funds. I am fine to take higher risks. 1 Quant Small Cap Fund Direct Plan Growth 3000 2 Nippon India Small Cap Fund Direct Growth 2500 3 HDFC Small Cap Fund Direct Growth 2500 4 Canara Robeco Small Cap Fund Direct Growth 3000 5 Quant Mid Cap Fund Direct Growth 3000 6 Motilal Oswal Midcap Fund Direct Growth 2000 7 HDFC Mid Cap Opportunities Direct Plan Growth 3000 8 Quant Infrastructure Fund Direct 3000 9 Quant Flexi Cap Fund Direct Growth 3000 10 Parag Parikh Flexi Cap Fund Direct Growth 6000 11 HDFC Flexi Cap Direct Plan Growth 5000 12 ICICI Prudential Technology Direct Plan Growth 3000 13 HDFC Retirement Savings Fund Equity Plan Direct Growth 5000 14 HDFC Balanced Advantage Fund Direct Plan Growth 2500 15 UTI Nifty200 Momentum 30 Index Fund Direct Growth 2500 16 Bandhan Nifty 50 Index Fund Direct Plan Growth 3000 17 Nippon India Growth Fund Direct Growth 5000 Thank You!

Ans: Hello Rajesh & thanks for writing to me. I see lots of funds in your portfolio across multiple categories.

As your horizon is around 5 to 7 years, you can consider reducing exposure to pure equity funds and allocate higher amounts to hybrid funds like balanced advantage funds or multi asset/dynamic asset allocation funds.

I recommend you talk a financial planner who can understand your needs in depth to make a suitable plan for you.

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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Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on Apr 19, 2023

Asked by Anonymous - Apr 05, 2023Hindi

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Hi Nikunj, Good day. This is Rajesh. I am planning to start SIP's (55K per month) in the following Mutual funds for a horizon of 5-7 years to create 1 corpus. Could you please review and suggest if they look fine or need any changes/alternate funds. I am fine to take higher risks. Thanks a lot. Have a Good Day. Canara Robeco Small Cap 4000 Nippon India Small Cap 4000 Quant Small Cap 4000 HDFC Small Cap 4000 HDFC Flexi Cap 5000 Quant Flexi Cap 5000 Parag Parikh Flexi Cap 5000 HDFC Balanced Advantage Fund 6000 ICICI Prudential Balanced Advantage Fund 6000 Motilal Oswal Midcap fund 6000 HDFC Retirements Savings Fund 6000

Ans: Hello Valued Investor. Your overall portfolio selection sounds good and aligned with current market. As mentioned in question , your portfolio is clear indicator of your aggressive risk appetite. Furthernore, to achieve a corpus of 1 cr in 7 years, I would suggest to increase your sip amount from 55k to 75k per month.

Hardik Parikh | Answer |Ask -Follow

Tax, Mutual Fund Expert - Answered on Apr 06, 2023

Question by Rajesh - Apr 05, 2023Hindi

Money

Hi Hardik, Good day. This is Rajesh N I am planning to start SIP's (55K per month) in the following Mutual funds for a horizon of 5-7 years to create 1 corpus. Could you please review and suggest if they look fine or need any changes/alternate funds. I am fine to take higher risks. Thanks a lot. Have a Good Day. Canara Robeco Small Cap 4000 Nippon India Small Cap 4000 Quant Small Cap 4000 HDFC Small Cap 4000 HDFC Flexi Cap 5000 Quant Flexi Cap 5000 Parag Parikh Flexi Cap 5000 HDFC Balanced Advantage Fund 6000 ICICI Prudential Balanced Advantage Fund 6000 Motilal Oswal Midcap fund 6000 HDFC Retirements Savings Fund 6000

Ans: Hello Rajesh, it's great to hear about your plan to start investing in mutual funds through SIPs. I would say that your choice of mutual funds looks diversified and suitable for your investment horizon of 5-7 years.

Since you mentioned that you are willing to take higher risks, your choice of small-cap funds such as Canara Robeco Small Cap, Nippon India Small Cap, Quant Small Cap, and mid-cap fund like Motilal Oswal Midcap fund, is appropriate as they have the potential to generate higher returns in the long run.

In addition, you have also selected some flexi-cap funds such as HDFC Flexi Cap, Quant Flexi Cap, and Parag Parikh Flexi Cap, which can help you to diversify your portfolio and provide flexibility to invest across market capitalizations.

Moreover, your choice of balanced advantage funds such as HDFC Balanced Advantage Fund and ICICI Prudential Balanced Advantage Fund, which invest in a combination of equity and debt, can help to manage market volatility and generate stable returns.

Lastly, your choice of HDFC Retirement Savings Fund is a good option for long-term retirement planning.

Overall, I believe that your choice of mutual funds is well-diversified, and suitable for your investment horizon and risk appetite. However, it's always important to review your portfolio periodically and make necessary changes based on market conditions and your financial goals.

Ramalingam Kalirajan |10870 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2023

Question by Rajesh - Apr 05, 2023Hindi

Money

Hi Rama Sir, Good day. I am planning to start SIP's (55K per month) in the following Mutual funds for a horizon of 5-7 years to create 1 corpus. Could you please review and suggest if they look fine or need any changes/alternate funds. I am fine to take higher risks. Thanks a lot. Have a Good Day. Canara Robeco Small Cap 4000 Nippon India Small Cap 4000 Quant Small Cap 4000 HDFC Small Cap 4000 HDFC Flexi Cap 5000 Quant Flexi Cap 5000 Parag Parikh Flexi Cap 5000 HDFC Balanced Advantage Fund 6000 ICICI Prudential Balanced Advantage Fund 6000 Motilal Oswal Midcap fund 6000 HDFC Retirements Savings Fund 6000

Ans: 2 or 3 diversified equity funds are sufficient. No need to diversify in 10 funds. You will end up buying same securities thru different funds.

Over-diversification will lead to dilution of returns.

Ulhas Joshi |280 Answers |Ask -Follow

Mutual Fund Expert - Answered on Oct 19, 2023

Question by Rajesh - Oct 18, 2023Hindi

Money

Hi Ulhas, Good day. I am planning to start SIP's (55K per month) in the following Mutual funds for a horizon of 5-7 years to create 1 corpus. Could you please review and suggest if they look fine or need any changes/alternate funds. I am fine to take higher risks. 1 Quant Small Cap Fund Direct Plan Growth 3000 2 Nippon India Small Cap Fund Direct Growth 2500 3 HDFC Small Cap Fund Direct Growth 2500 4 Canara Robeco Small Cap Fund Direct Growth 3000 5 Quant Mid Cap Fund Direct Growth 3000 6 Motilal Oswal Midcap Fund Direct Growth 2000 7 HDFC Mid Cap Opportunities Direct Plan Growth 3000 8 Quant Infrastructure Fund Direct 3000 9 Quant Flexi Cap Fund Direct Growth 3000 10 Parag Parikh Flexi Cap Fund Direct Growth 6000 11 HDFC Flexi Cap Direct Plan Growth 5000 12 ICICI Prudential Technology Direct Plan Growth 3000 13 HDFC Retirement Savings Fund Equity Plan Direct Growth 5000 14 HDFC Balanced Advantage Fund Direct Plan Growth 2500 15 UTI Nifty200 Momentum 30 Index Fund Direct Growth 2500 16 Bandhan Nifty 50 Index Fund Direct Plan Growth 3000 17 Nippon India Growth Fund Direct Growth 5000 Thank You!

Ans: Hi Rajesh and thanks for writing to me. I assume that your goal is create a corpus of Rs.1 Crore. If your investments grow at around 12% XIRR, then you need to invest around Rs.76,000 every month to achieve your goal.

While most of the funds are pure equity funds, you can consider not investing in thematic funds like Infrastructure Fund or Technology funds and instead increase your allocation to flexi cap funds.

Similarly, you can also consider not investing in a balanced advantage fund and rather invest the sum in equity funds.

Note that these suggestions are made considering that you are fine with high risks associated with equity. If you share your risk profile, I may recommend some other funds.

Dev Ashish | Answer |Ask -Follow

MF Expert, Financial Planner - Answered on Oct 21, 2023

Question by Rajesh - Oct 18, 2023Hindi

Money

Hi Dev, Good day. I am planning to start SIP's (55K per month) in the following Mutual funds for a horizon of 5-7 years to create 1 corpus. Could you please review and suggest if they look fine or need any changes/alternate funds. I am fine to take higher risks. 1 Quant Small Cap Fund Direct Plan Growth 3000 2 Nippon India Small Cap Fund Direct Growth 2500 3 HDFC Small Cap Fund Direct Growth 2500 4 Canara Robeco Small Cap Fund Direct Growth 3000 5 Quant Mid Cap Fund Direct Growth 3000 6 Motilal Oswal Midcap Fund Direct Growth 2000 7 HDFC Mid Cap Opportunities Direct Plan Growth 3000 8 Quant Infrastructure Fund Direct 3000 9 Quant Flexi Cap Fund Direct Growth 3000 10 Parag Parikh Flexi Cap Fund Direct Growth 6000 11 HDFC Flexi Cap Direct Plan Growth 5000 12 ICICI Prudential Technology Direct Plan Growth 3000 13 HDFC Retirement Savings Fund Equity Plan Direct Growth 5000 14 HDFC Balanced Advantage Fund Direct Plan Growth 2500 15 UTI Nifty200 Momentum 30 Index Fund Direct Growth 2500 16 Bandhan Nifty 50 Index Fund Direct Plan Growth 3000 17 Nippon India Growth Fund Direct Growth 5000 Thank You!

Ans: You have chosen an unnecessarily large number (17) of funds to invest Rs 55,000 monthly. If you combine the underlying stock portfolio of all these funds then you would have hundreds of stocks and be running effectively a Nifty500 kind of portfolio. So no need to complicate it. In my view, just having 3-4 funds would be more than enough for your requirements. Assuming you have at least a moderately aggressive risk appetite, you can invest 10-15K in one largecap index fund, 15-20K in one flexicap/large&midcap fund, 10K in one midcap fund and remaining in smallcap fund. This allocation enough will be more than enough for your portfolio requirements

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.

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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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