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 Jan 06, 2021

Mutual Fund Expert... more

Question by Lokesh on Jan 06, 2021Hindi

Money

I am holding these MFs from last few years with start date of SIP as mentioned below. Kindly advice whether to hold or exit any funds

MF Name Current Value Market VALUE Return Start Date

Aditya Birla Sun Life Frontline Equity Fund - Growth 135000 174000 29.27% Sep-17

HDFC Hybrid Equity Fund - Growth 62000 74000 20% Jan-18

Kotak Standard Multicap Fund - Regular Plan - Growth 48000 58000 22% Jan-18

Mirae Asset Emerging Bluechip Fund - Regular Plan - Growth 82472 117258 42% Sep-16

Motilal Oswal Multicap 35 Fund - Regular Plan - Growth 69000 77000 11% Jun-17

Ans: In Multi Cap: Uti Equity Fund-growth Plan-growth is a better option

In Large Cap: Axis Bluechip Fund - Growth is a better option

In Aggressive Hybrid: Canara Robeco Equity Hybrid Fund Regular Growth is a better option

Rest are fine.

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 14, 2021

Question by Akhand - Dec 14, 2021Hindi

Money

I am 40 years old and hold below MFs as SIP. I seek your view whether to hold or redeem in the current market scenario. Fund SIP Amount ABSL Pure Value Fund (G) Rs 5,000 ABSL Focused Equity Fund (G) Rs 5,000 HDFC Midcap Opportunities Rs 2,500 ICICI Pru Bluechip Fund Rs 2,500 Nippon India Small Cap Fund (G) Rs 5,000 Canara Robeco Emerging Equity Reg (G) Rs 5,000 HDFC Top 100 Rs 7,500 ICICI Pru Multi Asset (Dynamic Fund) Rs 2,500 ICICI Pru Value Discovery Rs 2,500 IDFC Multi Cap Fund-Growth (Regular Plan) Rs 2,500 L&T India Value Fund SIP, Hold Nippon India Multicap Fund - (G) SIP, Hold SBI Focused Equity (G) Rs 2,500 Nippon India Large Cap Fund Growth Rs 5,000 UTI Value Opportunities (G) SIP, Hold Quantum Long Term Equity Value Fund (D) SIP, Hold Kotak Flexicap Growth Plan Rs 5,000 Mirae Emerging Bluechip Rs 5,000 Axis Bluechip Fund Rs 5,000 UTI Flexi Cap Rs 5,000 Total Rs 67,500

Ans: Four to six funds are sufficient for adequate diversification. Depending on your objective, you may continue or stop a few of the funds.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 20, 2019

Question by Vikas - Dec 20, 2019Hindi

Money

Please tell to hold or sell the following MFs invested through SIP. Horizon is 5 years. Name of the Fund Category RankMF Star Rating 1. Aditya Birla Sun Life Equity Hybrid '95 Fund - Dividend-Direct Plan Dividend Payout Hybrid - Aggressive Hybrid Funds: 3 Dividend Reinvestment Hybrid - Aggressive Hybrid Funds: 4 2. SBI Large and Midcap Fund - Regular Growth. Equity - Large & Midcap Fund 3 3. SBI Magnum Global Fund - Regular Growth Equity - Thematic Fund - MNC 4 4. SBI Blue Chip Fund - Regular Growth Equity - Large Cap Fund 3

Ans: You may continue the 4-star rated funds; others can be reconsidered

Large Caps:

LIC MF Large Cap Fund - Growth
Mirae Asset Large Cap Fund – Growth

Large and Midcaps:

Axis Growth Opportunities Fund – Growth
Tata Large And Midcap Fund - Growth

Aggressive Hybrid Funds:

Mahindra Hybrid Equity Nivesh Yojana – Growth
Axis Equity Hybrid Fund - Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 30, 2020

Question by Manish - Jan 30, 2020Hindi

Money

I am a salaried person investing Rs 12000 in SIPs of following three MFs for last two years. Kindly suggest whether to continue in these three schemes or to exit. So far there is no growth in amount invested. 1. HDFC Capital Builder Value Fund - Regular plan growth 2. L&T India Value Fund – growth 3. SBI Magnum Global Fund - Regular Plan – Growth Name of the Fund Category RankMF Star Rating Manish Chugh 1. HDFC Capital Builder Value Fund - Regular plan growth Equity - Value Fund 3 2. L&T India Value Fund - growth Equity - Value Fund 4 3. SBI Magnum Global Fund - Regular Plan - Growth Equity - Thematic Fund - MNC 4

Ans: You may please continue with 4 star schemes; for Equity - Value Fund below can be considered:

Equity - Value Fund:

Tata Equity P/E Fund (Growth Option)
UTI Value Opportunities Fund- Growth Option

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Oct 13, 2022

Question by Arvind - Oct 13, 2022Hindi

Money

I am 49 years. Advice me on the following MFs whether to hold or exit. I having the following Mutual Fund (investing as SIP). Please advise whether to hold these or exit from the following Mutual Fund. Investing time Mutual Fund Name SIP Amount (Monthly) Feb 2016 HDFC Mid-Cap Opportunities Fund- Regular Gr. 5000 Aug 2021 Kotak Emerging Equity Fund-Growth 3000 Jan 2021 Kotak Balanced AF Regular Growth 2000 Nov 2020 Axis Flexi Cap Fund –Direct Growth 3000 Nov 2020 Axis Blue Chip Fund –Direct Growth 2000 June 2021 Axis small Cap Fund –Direct Growth 3000 April 2021 Edelweiss Balanced Advantage Fund- Direct Plan Growth 3000 April 2021 LIC MF Liquid – Direct Plan Growth 2000 April 2021 Mirae Asset Emerging Blue chip Fund- Direct Plan Growth 3000 June 2021 Mirae Asset large cap fund- Regular Growth 4000 June 2021 Sundram Arbitrage fund direct growth- Growth 2000 June 2021 Motilal Oswal mutual long term equity fund Direct Growth 3000 July 2021 Canara Robeco blue chip equity fund – Direct Growth 2000 Dec 2021 India bulls blue chip fund- Direct Growth 1000

Ans: Please hold as of now, however, slowly and steadily please reduce the number of funds to 4 – 6 funds.

Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on Dec 19, 2022

Question by Joseph - Dec 19, 2022Hindi

Money

I am 52 years old and currently investing in these below MF funds monthly SIPs. Aditya Birla Sun Life Small Cap Fund Growth-Regular Plan – 3,000 AFGP - Axis Focused 25 Fund - REGULAR GROWTH- 20,000 EFGP - Axis Bluechip Fund - Regular Growth – 15,000 PREG - HDFC Hybrid Equity Fund - Regular Plan – Growth – 3,000 ICICI Prudential Technology Fund – Growth – 5,000 Mirae Asset Large Cap Fund - Regular Growth Plan – 6,000 NIPPON INDIA SMALL CAP FUND - GROWTH PLAN GROWTH OPTION – 3,000 NIPPON INDIA SMALL CAP FUND - GROWTH PLAN GROWTH OPTION – 25,000 SBI Flexicap Fund - Regular Plan – Growth – 3,000 My Question is whether to continue these MF funds or any changes required? If changes required which one to go for?

Ans: Hi Joseph. Following an extensive analysis of your portfolio, I recommend reconsidering the schemes such as the Axis Bluechip Fund, Aditya Birla Sun Life Small Cap Fund and SBI Flexi cap fund along with a portfolio reshuffle. Also you may introduce large and midcap category in your portfolio. Some Suggested funds are:

Kotak Equity Opportunities Fund
Quant Active Fund

Latest Questions

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Murari - Dec 05, 2025Hindi

Career

Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

Dr Shyam Jamalabad |108 Answers |Ask -Follow

Dentist - Answered on Dec 05, 2025

Question by Visu - Aug 01, 2025Hindi

Health

I am 61. I have a partial removable denture(upper). I also have bridges in both upper and lower. I was suggested to go for implants. Will it be okay to go for implants at a later part of the life. Is it safe both health and moneywise ? Will it be cheaper if we go for full implant with 4 in one ; if so it may need to wait for few more year let other teeth will also fall.. Please guide and advise on implants

Ans: Hello

Please be assured, AGE isn't a barrier for implants. But overall health is a factor. Your dentist will assess your bone density, gum health, and general medical history before he places your implants.

Implants have some definite advantages over removable dentures. They provide a stable and secure fit, improved chewing and speech.
And with proper care may last for 10-15 years or more.
On the negative side, upfront cost of implants can be higher, surgery cannot be avoided and healing can take 3-6 months.

Cost-wise, Implants can be more cost-effective in the long run.
"All-on-4" implants might be cheaper than individual implants, but waiting might lead to deterioration of bone health, making the process more complex.

Consult your dentist about:
- Your specific oral health situation
- Bone density scan (to check if you have enough bone for implants)
- Cost estimates and financing options
- Timeline for the procedure.

Dr Shyam Jamalabad |108 Answers |Ask -Follow

Dentist - Answered on Dec 05, 2025

Asked by Anonymous - Aug 21, 2025Hindi

Health

My 12 year old son has 2 parallel lines of teeth. One front and the other behind. So far in the behind only 2 teeths are there one in each side. Will this cause any serious issues for him? He has speech problem. Could this be the reason? Does he need to take any immediate corrective procedure?

Ans: Hello
This situation of "2 parallel lines of teeth" arises when permanent teeth erupt BEFORE the deciduous teeth (or milk teeth) have been shed. This indicates a mis-alignment of the permanent teeth. The shedding of milk teeth is dependent on the permanent teeth exerting pressure on them as they grow.
This mis-alignment, indeed, could be the cause of his speech problem.
My advice to you is to consult a competent pediatric dentist or an orthodontist (a dentist who realigns crooked teeth) soon so that corrective measures can be taken.

Dr Shyam Jamalabad |108 Answers |Ask -Follow

Dentist - Answered on Dec 05, 2025

Asked by Anonymous - Jun 17, 2025Hindi

Health

My front teeth is broken I fell down from my bike while dog is chasing me . I went to dentist i got broken teeth cemented . dentist advised me not to chew anything with cemented teeth it's a life time instruction. It is very discomfort to me .Is there any treatment such that I can chew even with repaired tooth

Ans: Hi.,
Sorry to hear about your fall and the resultant damage to your teeth.
Honestly, it's best to follow your dentist's advice, but I understand your problem. Eating can be a challenge.
Please ask your dentist about sturdier alternatives like dental crowns or bridges. These can provide extra protection and might let you chew more comfortably.

In the meantime, stick to soft foods which do not put pressure on your compromised teeth, or soups. You can also try cutting your food into smaller pieces to reduce pressure on the tooth.

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Pramod - Dec 05, 2025Hindi

Career

Student of 1st yr ECE BIT Mesra,should apply for branch change to CSE,IT,AI&ML considering future job security etc.

Ans: In future CSE,IT,AI&ML jobs will be more than ECE jobs, but job security is different. For job security you have to aim govt. jobs

Ulhas Joshi |280 Answers |Ask -Follow

Mutual Fund Expert - Answered on Dec 05, 2025

Question by Ganesh - Dec 03, 2025Hindi

Money

Hello Sir/Mam, Currently I'm investing in SIP as per below for the last 3 years, my goal is to achieve 2 crores by the next 10 years. Please suggest me if these MFs are good or any rebalancing is required. I'm planning to increase the SIP by 10% each year. Parag Parikh Flexi Cap - 5K Aditya Birla SF BAF - 2K SBI Large & Midcap - 5K Quant Small Cap - 3K SBI Gold Fund - Growth - 5K Canara Robeco Large cap - 5K Thanks.

Ans: Hello & thanks for writing to me.

Your portfolio is well-allocated across flexicap, large & midcap, small cap, BAF and gold, offering a balanced mix of growth, stability and diversification.

Given your 10-year horizon, keeping a higher allocation towards flexicap and large & midcap funds is appropriate, as these categories help manage volatility while still capturing long-term growth. The small-cap exposure adds additional long-term growth potential, while the Balanced Advantage Fund (BAF) provides stability through its dynamic asset allocation. Your gold allocation further supports diversification and can cushion the portfolio during equity market stress.

At this stage, no major rebalancing is needed. Since you plan to increase your SIPs by 10% every year, directing this additional amount mainly towards your flexicap or large & midcap fund will further strengthen the core of your portfolio over time.

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 04, 2025

Question by Thamizh - Dec 04, 2025Hindi

Career

how many marks and what rank need to scored in vitjee to get chemical engineering seat in vit vellore?

Ans: Multiple categories are there. Marks and rank vary with that.

Ravi Mittal |676 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

Relationship

My married ex still texts me for comfort. Because of him, I am unable to move on. He makes me feel guilty by saying he got married out of family pressure. His dad is a cardiac patient and mom is being treated for cancer. He comforts me by saying he will get separated soon and we will get married because he only loves me. We have been in a relationship for 14 years and despite everything we tried, his parents refused to accept me, so he chose to get married to someone who understands our situation. I don't know when he will separate from his wife. She knows about us too but she comes from a traditional family. She also confirmed there is no physical intimacy between them. I trust him, but is it worth losing my youth for him? Honestly, I am worried and very confused.

Ans: Dear Anonymous,
I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

Hope this helps

Anu Krishna |1745 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

Relationship

Hi Anu, My husband doesn't do house chores. We both work full-time, but I still end up cooking, cleaning, and doing laundry. When I ask for help, my partner will say, ‘Just tell me what to do,’ but then he conveniently forgets. Maybe he doesn't like it or he is genuinely forgetful. I have tried many ways to make him explain. Once I only did my share of laundry to make him realise but he simply ignored. Every week this pattern repeats. Is this normal? How can married couples divide responsibilities fairly to avoid fights?

Ans: Dear Anonymous,
Every home has a different routine and share of responsibilities. So, there's no standard norm to challenge it as normal or not!
So, if you want your husband to pitch in, then say it in clear terms, especially since he has told you to tell him what to do.
Once you have told him, do make sure to ask him: Will you find it convenient to do it now or later? If later, when?
This will ensure that he makes a statement of commitment, so there's no question of forgetting it, right? Play it smart...it's better than feeling bad about the situation or mulling over why something does not work.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1745 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 04, 2025

Question by Santosh - Oct 20, 2025Hindi

Relationship

Feeling alone in the world and iam not having any close friends everybody is busy with their works and family, help me what to do

Ans: Dear Santosh,
Everybody has a life and so do you; build your life the way that you want...
Start attending weekend events or any social gathering in the city/town that you live in; even a smile or a hi, hello can be start to a good association when you can further discuss and chat on mutual interests and hobbies.
A humble effort in this direction can change the state that you are in.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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