Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Sep 16, 2021

Mutual Fund Expert... more

Question by Selvam on Sep 16, 2021Hindi

Money

I am holding the following mutual funds. Request your view on this and suggestions on alternate funds.

Fund Name Investment per month Total value as of today % Return

Axis Bluechip Fund Rs 2,000 Rs 17,686 10.54%

Axis Long Term Equity Fund Rs 5,500 Rs 1,63,783 35.92%

Mirae Asset Emerging Bluechip Fund Rs 7,500 Rs 2,49,768 49.36%

Tata Equity PE Fund Rs 3,000 Rs 1,86,708 32.53%

AB SL India GenNext Fund Rs 4,000 Rs 3,83,484 49.22%

SBI Blue Chip Fund Rs 3,000 Rs 1,29,790 39.56%

Total: Rs 25,000

Ans: These are decent funds, please continue.

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.

MoneyReply

You may like to see similar questions and answers below

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 09, 2021

Question by Mehul - Dec 09, 2021Hindi

Money

Please suggest whether I should hold these mutual funds or suggest alternatives which I should switch to. Axis Bluechip Axis Small Cap UTI Nifty Index Fund Parag Parikh Flexi Cap Fund

Ans: Please continue, no need to change.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Feb 16, 2022

Question by Sudhir - Feb 16, 2022Hindi

Money

Myself, Sudhir Nair, age 47 years old, SIP investment in Mutual fund since last 4 years in below MF (Horizon 10years). Self MF Details: Kotal Emerging Equity Fund Regular Fund - 5000 (Started Aug 2017) Kotak Flexi Cap Fund Regular Plan Growth - 2500 (Started Aug 2017) SBI Blue Chip Fund Regular Plan Growth 2500 (Started Aug 2017) HDFC Mid Cap Opportunities Fund - Growth - 2000 (Started June 2019) IDFC Large Cap Fund Growth - 2500 (Started Feb 2018) Mirae Asset Emerging Bluechip Fund - 2000 (Started July 2019) Axis Bluechip Fund Growth - 2000 (Started Dec 2019) Axis Focused 25 Fund Growth - 2500 (Started Aug 2020) HDFC Index Fund - Nifty 50 Plan - Direct - 2500 (Started Mar 2021) Kotak Opportunities Fund - Growth - 2500 (Started Dec 2017 and ended Nov 2020) L&T India Value Fund Growth - 2500 (Started Feb 2018 and ended July 2020) Wife Mutual Fund Details: Axis Focused 25 Fund Growth - 2500 (started Dec 2019) SBI Blue Chip Fund - 2000 (Started Jun 2019) Mirae Asset Large Cap Fund - 2500 (Started Dec 2019 later increased 2500 from Oct 2020) ICICI Prudential Multicap Fund Growth - 1500 (Started Aug 2020) Kotak Global Fund of Fund (Direct) - Rs. 100000 (July 2021) Navi Nifty Index Fund Growth - Rs. 15000 (July 2021) Kindly advise whether current funds are good or should switch to some other.

Ans: Funds are decent however there are too many funds in your portfolio.

Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on May 06, 2023

Question by AMIT - May 04, 2023Hindi

Money

Hi, i am investing in following mutual funds for last few years. Pls suggest if I should continue with them or replace with other MF ? Aditya Birla SunLife MNC-G - 5000/- Canara Robecco Bluechip Equity Reg-G - 10,000/- Axis Small Cap Reg-G - 10,000/- HDFC Flexi Cap-G - 10,000/- ICICI Prudential Value Discovery (G) - 10,000/- Mirae Asset Emerging Bluechip Reg-G - 5,000.- Sundaram Midcap Reg-G (BLD) - 5,000/- Nippon India Growth (G) - 10,000/- Tata Digital India Reg-G - 5000/- PGM India Mid cap Opportunity Reg-G - 5000/- Mirae Asset BFS Fund Reg-G - 5000/-

Ans: I take it that you have these amounts as SIPs in various funds. My observations are:-

· You have about 18% of your amount in sectoral or thematic funds and these three funds are not performing. It is always better to be in diversified funds than go into narrow themes like this since they are typically cyclical and a common investor normally is not able to time entry and exit into such categories. My suggestion is to get out of them.
· Your highest allocation is to midcap funds. Except the Sundaram Midcap, other two are performing well. You may get out of Sundaram fund.
· All your other funds are performing decently.
· Your Large cap fund allocation is very low which makes your portfolio risky – you may like to have a relook at it, unless you are comfortable with high risks.
· Same way, it is also a good idea to have a good allocation to Flexicap funds. A portfolio should also be balanced for risk by having a Balanced Allocation or an Asset Allocator fund. Think about it.

Latest Questions

Milind Vadjikar |111 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 12, 2024

Question by BISWAJIT - Jun 26, 2023Hindi

Money

Sir , i am 57yrs old. within 1 yr i am retired. So pls guide me , how i invest 30 laks in swp system and how many return from here . Also request you suggest the mf name where i invest.

Ans: You can invest 30 Lac as lumpsum in conservative hybrid(debt oriented) fund. Based on 5 year return yardstick Kotak hybrid debt fund and SBI Conservative hybrid fund are the 2 recommendations.

It will be better if you stay invested in this fund for 5 year and let the corpus grow. After 5 years you can expect a corpus of around 50 Lacs(10%+ return assumed)

Then you can start your SWP at the rate of say 5% per year which will translate into monthly payout of around 21K.

However if you need immediate pension then you can invest in PO monthly income scheme(7.4% rate;5yr tenure) upto 9 L in your name and another 9 L in the name of your spouse or other family member. It is a safe scheme since backed by GOI. For the balance 12 L you can do 3 FDs of 4 L each in reputed banks.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Milind Vadjikar |111 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 12, 2024

Asked by Anonymous - Nov 07, 2023Hindi

Money

My date of exit is wrongly put in epf account. I will try to give joint declaration form, but my compay liquidator not give sign. My company pay(epf payment) only 2013. But i am regin in 2015. I am 59 year old. Give solutio n.

Ans: If your employer has not made the statutory EPF contributions then you can file a legal case.

For wrong DOE, joint declaration form is the right way, if the employer is not co-operating then you can talk to EPF officials about the same with documentary evidence. They may consider it, else you can file online grievance through EPFO grievance management system.

Radhika Iyer |69 Answers |Ask -Follow

Yoga Expert - Answered on Sep 12, 2024

Asked by Anonymous - Sep 12, 2024Hindi

Health

Hello Mam, I'm 49 years male, having Triglycerides -242, LDL Cholestrol - 96 , VLDL Cholestrol - 49, HDL Cholestrol - 43. Apart from that I have Thyroid T3 - 2.97, T4 - 0.93 and TSH - 4.83. I have been doing morning brisk walk for about 40 minutes and doing pranayam (majorly kapal bhati, kumbhak, anulom vilom, bhramri (8-10 minutes) for 45 min daily for the past 2 months without break. My question to you is , first- by doing brisk morning walk and pranayam daily will my cholestrol and thyroid level will be within the range. Secondly I get iritiated and lose my temper quite often, do the above said exercise will help me in controlling my anger / irritiability and quitting use of tobacco. Please help me.

Ans: Namaste!
You already know the answer. Disease is nothing but a manifestation of a troubled mind. Calm the mind and the results on the body will be miraculous

Nayagam P P |3680 Answers |Ask -Follow

Career Counsellor - Answered on Sep 12, 2024

Asked by Anonymous - Aug 08, 2024Hindi

Career

What are the career option after doing 2 years of apprenticeship at google

Ans: Number of Apprenticeship programs are offered by Google in various disciplines such as, Sales | Market, Software, Customer Engineering | Data Analytics | Digital Marketing | IT | Software | Project Management | Data Center Technician | Application Development | Interactive Media Designer | Digital Business | HR etc. Career options depends upon which one of the disciplines, offered by Google, you are doing. All the BEST for Your Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

Milind Vadjikar |111 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 12, 2024

Question by Soumendra - Sep 12, 2024Hindi

Money

I am 71 years and retires. Invested Rs. 30 Lakhs in SCSS and Rs. 15 Lakhs in PMVVY. Would like to invest another Rs. 10 Lakhs for requirement of Annuity. Pl suggest.

Ans: You may invest in Post Office monthly income scheme. 5 year tenure. Monthly interest payment. Current rate is 7.4%. If singly held maximum investment limit is 9 Lac and for joint holding it is 15 Lac. It is GOI scheme offered through Posts hence comes with sovereign guarantee.

Asked on - Sep 12, 2024 | Answered on Sep 12, 2024

Many thanks for your guidance

Ans: You are welcome

Radheshyam Zanwar |850 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 12, 2024

Question by Jyoti - Sep 08, 2024Hindi

Career

Hey!! I got admission in KJ somaiya college...Electronics in VLSI and technology....is it a good branch and a good choice?

Ans: Hello Jyoti.
Congratulations on your admission to KJ, one of the best colleges in Mumbai.
Electronics in VLSI and technology is an emerging branch with a bright future.
Your choice is good.
Best of luck for your future.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

Radheshyam Zanwar |850 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 12, 2024

Question by sunita - Sep 12, 2024Hindi

Career

Sir Thapar Dherabassi university is branch of Thapar patiala university is good for cse than Jaypee 128 noida?

Ans: Hello Sunita.
Yes. CSE @ Thapar is better than JAYPEE.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

Nayagam P P |3680 Answers |Ask -Follow

Career Counsellor - Answered on Sep 12, 2024

Question by Manohar - Sep 11, 2024Hindi

Career

Hi sir Our child joined computer engineering in NIAMT Ranchi. Is there need certificate courses? If yes which courses preferable?pls advise.

Ans: Manohar Sir, Additional skills/certifications are mandatory to be competitive in the job market. Most Recruiters/Companies recognize one of the best & most affordable online certification programs offered by NPTEL. Suggest your son to go through the site to get an idea. Their video lectures are free. You will have to pay only the Exam Fee which will be conducted offline. He can join those certification courses, recommended by his College Faculties. There are other Online Certification Platforms but comparatively, it will be costlier. Advise him to have a Professional LinkedIn Profile and keep updating it every 3 months. Also to put job alerts in LinkedIn, related to his domain, to know the current/changing job market trends. He can start doing online certifications after his 1st semester. No hurry Sir now. All the BEST for Your Son's Bright Future, Sir.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

Dr Dipankar Dutta |583 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Sep 12, 2024

Asked by Anonymous - Sep 12, 2024Hindi

Career

Which would be Better B.tech CSE in G.L BAJAJ NOIDA VS B.TECH CSE IN VIPS(VIVEKANAND INSTITUTE OF PROFESSIONAL STUDIES)IPU

Ans: G.L. Bajaj Institute of Technology and Management, Noida

Nayagam P P |3680 Answers |Ask -Follow

Career Counsellor - Answered on Sep 12, 2024

Asked by Anonymous - Sep 10, 2024Hindi

Career

sir, i am in class 12th (pcb) rn and i am preparing for NEET but i don't have that much interest in it. I have interest in forensic science and i want to pursue it. i am ready to give any exam that i can for good college. I also want a good job with good money after everything (college...etc). I am a decent student, more than average i can say. But we have some financial problem for college only (personal family matter) so i am rely on scholarship. please guide me what should i do and how?........Thank you very much

Ans: You should prepare and appear for CUET for getting admission into UG Forensic Science with any one of the State / Central Universities providing this course. You should be aware that economically weak girls are eligible for scholarships provided by Govt. which you can apply for, after getting confirmed admission into any UG program (but should have been approved by AICTE). Also please note, your family income should be less than 8.00 lacs to be eligible for Scholarships. All the BEST for Your Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x