I have invested the following mutual funds in the year 2017. Would like to have your opinion whether I can still continue in the scheme or shift to some other scheme? Also would like to know the reason for the same.  

Name of the Fund	Category	RankMF Star Rating
1) L & T India Value RP (G)	Equity - Value Fund	3
2) L & T Tax Advantage RP (G)	Equity - ELSS	4

Ans:

Top 2 Equity value funds are (4-Star rated)

• Tata Equity PE fund
• UTI value opportunity funds

Ans: You may continue with 4 & 5-Star rated ones and rest can be relooked. 

Multicaps: Suitable options considering quality and value for money are:

• Motilal Oswal multicap 35
• Axis Mutlicap
• Parag Parikh Long Term Equity Fund 

ELSS: Motilal Oswal Long Term Equity Fund 

Focused: 

• Axis Focused 25
• DSP Focused Fund

Midcaps: Suitable options considering quality and value for money are:

• Motilal Oswal Midcap 30
• DSP Midcap
• Kotak Emerging Equity Fund

Small Caps:

• Kotak Small Cap
• Axis Small Cap

Equity Value Funds:

• Tata Equity PE Fund
• UTI Value Opportunity Funds

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 

Ans: making decisions about investments can be overwhelming, especially when considering the future. It's commendable that you're taking an active interest in managing your portfolio. Remember, investing is a journey, and it's okay to seek guidance along the way. As a Certified Financial Planner, my goal is to help you navigate this journey with confidence and peace of mind.

Reflecting on your current investments and considering adjustments is a wise move. It's essential to evaluate each fund's performance, alignment with your goals, and overall portfolio diversification. While past performance is not a guarantee of future results, it can provide valuable insights into fund management and strategy.

As you explore potential adjustments, keep in mind the importance of staying diversified and monitoring your investments regularly. Don't hesitate to reach out for support or advice as needed. Remember, the journey to financial security is about making informed choices that align with your aspirations and values.

Ans: Based on your current Mutual Funds Investments, here are some recommendations:

Existing Investments:
ICICI India Opportunities Fund: Review the fund's performance and consider its alignment with your investment objectives. If it continues to meet your goals and performs well, you can consider keeping it.
ICICI Value Discovery Fund: Similar to the above, assess its performance and suitability. If it has delivered satisfactory results and fits your investment strategy, you may continue with it.
ICICI Transportation & Logistics Fund: Evaluate the fund's performance and prospects in the current market scenario. If you're confident in its future growth potential, you can maintain your investment.
New Fund Recommendations:
Consider diversifying your portfolio by adding funds from different categories such as large-cap, mid-cap, and flexi-cap.
Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy aligned with your risk profile.
Conduct thorough research or seek advice from a Certified Financial Planner or Mutual Fund Distributor to identify suitable options based on your financial goals and risk tolerance.
Review and Adjustments:
Regularly review the performance of your existing investments and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.
Monitor the expense ratios, fund manager's track record, and the overall portfolio diversification to ensure optimal investment outcomes.
By carefully assessing your existing investments and making informed decisions about new fund allocations, you can build a well-balanced and diversified Mutual Funds portfolio that aligns with your long-term financial objectives.

Ans: It's great to see your diversified portfolio of mutual funds. Let's review your current investments and suggest any adjustments needed to optimize your portfolio for better performance.
One-time Investments:
1. ICICI India Opportunities Fund - Growth: This fund focuses on Indian equity opportunities. Consider its performance and compare it with similar funds in the category. If it aligns with your investment goals, you can continue holding it.
2. ICICI Value Discovery Fund - Growth: This fund aims to identify undervalued stocks with the potential for growth. Review its performance and ensure it meets your expectations before deciding whether to continue or not.
3. ICICI Transportation & Logistics Fund - Growth: This sector-specific fund targets transportation and logistics companies. Assess its performance against relevant benchmarks and consider the outlook for the sector before making a decision.
SIP Monthly Investments:
4. Axis Flexi Cap Fund - Regular Plan: This fund offers flexibility across market caps. Review its performance and risk profile periodically to ensure it aligns with your investment strategy.
5. Canara Robeco Emerging Equities - Regular Plan: This fund focuses on emerging companies with growth potential. Monitor its performance relative to peers in the category and adjust your holdings accordingly.
6. Aditya Birla SL Focused Equity Fund(G): A focused fund concentrates on a limited number of high-conviction stocks. Review its performance and risk characteristics regularly to assess its suitability for your portfolio.
7. HDFC Mid-Cap Opportunities Fund(G): Mid-cap funds can offer higher growth potential but come with increased volatility. Evaluate its performance and risk metrics to determine if it aligns with your investment objectives.
8. ICICI Pru Bluechip Fund(G): Bluechip funds invest in large, well-established companies. Monitor its performance and consider its role in providing stability to your portfolio.
9. Axis Small Cap Fund - Regular Plan: Small-cap funds have the potential for significant growth but are more volatile. Assess its performance relative to benchmarks and consider your risk tolerance before making any changes.
10. ICICI Prudential Technology Fund - Growth: Sector-specific funds like technology can be volatile but offer growth opportunities. Review its performance and sector outlook periodically.
11. L&T Midcap Fund - HSBC Midcap Fund: Both funds focus on mid-cap companies. Evaluate their performance and risk characteristics to ensure they align with your investment strategy.
12. ICIPRU Multi-Asset Fund - Growth: Multi-asset funds provide diversification across asset classes. Review its performance and consider its role in balancing your portfolio.
13. ICIPRU Value Discovery Fund - Growth: This fund seeks undervalued stocks with growth potential. Monitor its performance and ensure it complements your overall investment strategy.
Consider consulting with a Certified Financial Planner to review your portfolio comprehensively and tailor it to your financial goals, risk tolerance, and investment horizon.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in