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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Jan 14, 2022

Mutual Fund Expert... more
Amogh Question by Amogh on Jan 14, 2022Hindi
Money

Hope you are doing well.

I read your article regarding mutual funds and wanted to check if I continue to invest in them and replace any/few of those.

I am planning to invest for 10-15 years.

I am currently having monthly SIP (51K total) from a year and half for following funds.

Mutual Funds Plan Amount
1) Aditya Birla Sun Life Pure Value Fund Growth Rs 5000
2) Kotak Flexi cap Fund Growth Rs 5000
3) Canara Robeco Emerging Equities Regular Plan - GROWTH Rs 5000
4) HDFC Top 100 Fund Growth Option Rs 5000
5) Parag Parikh Flexi Cap Fund Regular Plan - Growth Rs 4000
6) ICICI Prudential Focused Equity Fund Growth Rs 3000
7) ICICI Prudential Bluechip Fund Growth Rs 4000
8) Nippon India Large Cap Fund Growth Plan -Growth Option Rs 5000
9) Axis Small Cap Fund Regular Plan - Growth Rs 4000
10) ICICI Prudential Smallcap Fund Growth Rs 3000
11) SBI Small Cap Fund Regular Plan - Growth Rs 5000
12) Nippon India Pharma Fund Growth Plan-Growth Rs 3000

I am also having hybrid funds in HDFC Hybrid Equity Fund - Growth.

Your review and feedback will be very appreciable.

Thank you for your time and have a nice day.

Ans: 3, 5, 7, 9, 11 and 12 are good funds

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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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Apr 11, 2022

Money
Hope you are doing well. I read your article regarding mutual funds and wanted to check if I continue to invest in them or replace any/few of those. I started a year ago and planning to invest for another 10-15 years. I am currently having monthly SIP (51K total) from a year and half for following funds. Fund Plan Amount Invested 1. Aditya Birla Sun Life Pure Value Fund Growth Rs. 5000 2. Kotak Flexi cap Fund Growth Rs. 5000 3. Canara Robeco Emerging Equities Regular Plan - GROWTH Rs. 5000 4. HDFC Top 100 Fund Growth Option Rs. 5000 5. Parag Parikh Flexi Cap Fund Regular Plan - Growth Rs. 4000 6. ICICI Prudential Focused Equity Fund Growth Rs. 3000 7. ICICI Prudential Bluechip Fund Growth Rs. 4000 8. Nippon India Large Cap Fund Growth Plan -Growth Option Rs. 5000 9. Axis Small Cap Fund Regular Plan - Growth Rs. 4000 10. ICICI Prudential Smallcap Fund Growth Rs. 3000 11. SBI Small Cap Fund Regular Plan - Growth Rs. 5000 12. Nippon India Pharma Fund Growth Plan-Growth Rs. 3000 I am also having lump sum of 50,000 in HDFC Hybrid Equity Fund - Growth. I want to add another 8-10K in SIP. Can you please few additional funds for the same? Your review and feedback will be very appreciable. Thank you for your time and have a nice day.
Ans: Funds are decent, however there are too many in your portfolio. These funds may be considered for additional investment.

Fund Plan
DSP Focused Fund Growth
UTI Flexi Cap Fund Growth
Samco Flexi Cap Fund Growth
Parag Parekh Flexi Cap Fund Growth

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Ramalingam

Ramalingam Kalirajan  |8500 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 2024

Asked by Anonymous - Jan 03, 2024Hindi
Listen
Money
Hi I am 37 years ole and investing in the following mutual funds via monthly SIP's for the past 2 years 1. Aditya Birla Sun Life Digital India Fund (1.5k) 2. Bandhan Tax Advantage ELSS Fund (1k) 3. Canara Robeco ELSS Tax Saver (1k) 4. DSP ELSS Tax Saver Fund (1k) 5. ICICI Prudential Technology Fund (2k) 6. Mirae Asset ELSS Tax Saver Fund (2k) 7. Nippon India Small Cap Fund (1.5k) Please suggest if all these funds are good to continue in the future. Additionally, I plan to increase the monthly SIP by another 5k per month from January 2024. Let me know if Parag Parikh Flexi Cap and Quant Small Cap are good options, or should I continue to invest more in the existing funds?
Ans: It's great to see that you're investing regularly in mutual funds for your future financial goals. Here are some insights and suggestions regarding your current investments and future plans:

Review Existing Investments: It's essential to periodically review the performance of your current mutual fund investments to ensure they are aligned with your financial goals and risk tolerance. Evaluate factors such as fund performance, expense ratios, fund manager track record, and portfolio diversification.

ELSS Funds: ELSS (Equity Linked Savings Scheme) funds offer tax benefits under Section 80C of the Income Tax Act, along with the potential for long-term capital appreciation. Since you're investing in multiple ELSS funds, ensure that they have a consistent track record of performance and are managed by experienced fund managers.

Sectoral Funds: Funds like Aditya Birla Sun Life Digital India Fund and ICICI Prudential Technology Fund invest in specific sectors (digital/technology). While these funds can offer high growth potential, they also carry higher risk due to sector-specific volatility. Make sure to monitor these funds closely and be prepared for fluctuations in returns.

Small Cap Fund: Nippon India Small Cap Fund invests in small-cap stocks, which have the potential for high returns but are also more volatile. Given the risk associated with small-cap funds, ensure that they align with your risk appetite and investment horizon.

Future SIP Increase: Increasing your SIP amount is a prudent move to accelerate wealth accumulation over time. Before adding new funds or increasing existing SIP amounts, assess your overall portfolio diversification and risk exposure.

New Fund Consideration: Parag Parikh Flexi Cap Fund is known for its diversified investment approach across different market caps and sectors, making it suitable for long-term wealth creation. Quant Small Cap Fund focuses on small-cap stocks and can complement your existing small-cap allocation.

Asset Allocation: Ensure that your overall portfolio is well-diversified across different asset classes, such as large-cap, mid-cap, small-cap, and flexi-cap funds, to mitigate risk and optimize returns.

Professional Advice: Consider seeking advice from a certified financial planner or investment advisor who can provide personalized recommendations based on your financial goals, risk profile, and investment horizon.

In summary, while your current investments appear diversified, it's essential to monitor their performance regularly and make adjustments as needed. Increasing your SIP amount and considering additional funds like Parag Parikh Flexi Cap and Quant Small Cap can enhance diversification and potentially improve long-term returns. However, ensure that any new additions align with your investment objectives and risk tolerance.

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Latest Questions
Nayagam P

Nayagam P P  |4986 Answers  |Ask -

Career Counsellor - Answered on May 24, 2025

Career
My daughter got 94.67 percentile in jee mains.her obs rank is 27873.we are from rajasthan.can she get nit.if yes than which nit and branch.
Ans: Hemlata Madam, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Have some other options also as back-ups instead of relying only on JEE/JoSAA.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admission and a bright future!

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Nayagam P

Nayagam P P  |4986 Answers  |Ask -

Career Counsellor - Answered on May 24, 2025

Asked by Anonymous - May 24, 2025
Career
Sir i have scored 95 percentile (75k) in jee mains and home state is rajasthan gen cat i was looking at bit mesra pec chandigarh for mechanical/civil and are these better options or should i go for north eastern nits and nits pondicherry nit raipur and tier 3 nits and i am confident enoungh i will be able to secure rvce cse in comedk which would be great option for me i have equal interest in core and tech branch and pls suggest good iiits to me
Ans: Prefer RVCE if you Score below AIR-500 through COMKEDK, if fee is affordable for you. With a 95 percentile and around 75,000 rank in JEE Mains, admission to top NITs or IIITs for CSE is unlikely, but you can secure seats in mid-tier NITs like NIT Silchar, NIT Meghalaya, NIT Pondicherry, and NIT Raipur for Mechanical or Civil branches. These NITs are improving rapidly in academics and placements and provide good core engineering education. Tier 3 NITs such as NIT Agartala and NIT Manipur are also accessible options. BIT Mesra and PEC Chandigarh are reputed private universities with strong programs and placements in core branches and are good alternatives if you prefer private institutes. For tech-oriented branches, newer IIITs like IIIT Bhopal, Bhubaneswar, and Vadodara offer CSE, IT, or ECE branches with decent placement records and accept ranks around your range. Since you have equal interest in core and tech, choosing Mechanical or Civil in NITs or BIT/PEC is advisable for core engineering, while IIITs or private universities can be considered for tech branches. Balancing branch preference with college reputation and placement prospects will help you make the best choice. All the best for your admission and a bright future!

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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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