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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Nov 20, 2019

Mutual Fund Expert... more

Question by Subramaniam on Nov 20, 2019Hindi

Money

I have invested the following mutual funds in the year 2018. 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.

Ans:

Name of the Fund	Category	RankMF Star Rating
Aditya Birla Sun Life Pure Value Fund – Gr	Equity - Value Fund	2
Aditya Birla Sun Life Resurgent India Fund-Series 6-Gr	Close ended Scheme	We don’t rate close ended schemes
L & T India Value Fund –Gr	Equity - Value Fund	3

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

Tata Equity PE fund
UTI value opportunity 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 Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 18, 2020

Question by Santosh - Dec 18, 2020Hindi

Money

I have investments in the following mutual funds. (all Growth option). Please advise whether I can continue with them or should change.

Name of the Fund	Category	RankMF Star Rating	Recommendation
Santosh Iyer
1. Aditya Birla Sunlife Floating Rate Fund-LTP	Debt - Floater Fund	4	Please Continue
2. Aditya Birla Sunlife Short Term Opportunities Fund	Debt - Short Duration Fund	4	Please Continue
3. Axis All Seasons Debt Fund of Funds	FoFs (Domestic) - Debt Oriented	5	Please Continue
4. Axis Banking & PSU Debt Fund	Debt - Banking and PSU Fund	3	Can Consider HDFC Banking and PSU Fund - Growth
5. Axis Blue Chip Fund	Equity - Large Cap Fund	5	Please Continue
6. Canara Robeco Equity Hybrid Fund	Hybrid - Aggressive Hybrid Fund	5	Please Continue
7. DSP Mid-Cap Fund	Equity - Mid Cap Fund	4	Please Continue
8. DSP Ultra Short Fund	Debt - Ultra Short Duration Fund	2	Can Consider Aditya Birla Sun Life Savings Fund - Growth
9. HDFC Short Term Debt Fund	Debt - Short Duration Fund	4	Please Continue

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 20, 2019

Question by Gyanesh - Dec 20, 2019Hindi

Money

I have invested the following mutual funds in the year 2015. 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 Aditya Birla Sun Life Focused Equity Fund (G) (29) Equity - Focused Fund 4 Aditya Birla Sun Life Pure Value Fund (G) Equity - Value Fund 2 DSP Natural Resources and New Energy Fund - Regular Plan (G) (29) Equity - Sectoral Fund - Energy & Power 4 DSP Small Cap Fund - Regular Plan (G) Equity - Small cap Fund 2 HDFC Mid-Cap Opportunities Fund (G) (56) Equity - Midcap Fund 3 IDFC Multi Cap Fund - Regular Plan (G) (26) Equity - Multi Cap Fund 4 Invesco India Multicap Fund (G) (26) Equity - Multi Cap Fund 3 L&T Emerging Businesses Fund - Regular Plan (G) (19) Equity - Small cap Fund 2 L&T India Hybrid Equity Fund (G) Hybrid - Aggressive Hybrid Funds: 5 L&T India Value Fund (G) (28) Equity - Value Fund 3 SBI Blue Chip Fund (G) (30) Equity - Large Cap Fund 3 SBI Magnum Multicap Fund - Regular Plan (G) Equity - Multi Cap Fund 4 Sundaram Equity Fund - Regular Plan (G) Equity - Multi Cap Fund 4 Sundaram Midcap Fund - Regular Plan (G) Equity - Midcap Fund 3 Sundaram Rural and Consumption Fund (G) Equity - Thematic Fund - Other 4 Sundaram Services Fund - Regular Plan (G) Equity - Sectoral Fund - Service Industry 4 Sundaram Small Cap Fund - Regular Plan (G) (29) Equity - Small cap Fund 2 Sundaram Value Fund - Series VII - Regular Plan (G) Close ended -

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

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 20, 2019

Question by Sachin - Dec 20, 2019Hindi

Money

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

ELSS: Motilal Oswal Long Term Equity Fund

Equity Value Funds:

Tata Equity PE fund
UTI value opportunity funds

Ramalingam Kalirajan |6999 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Anand - Aug 24, 2023Hindi

Money

Hello Sir, I have the following Mutual Funds Investments, request you to let me know if these can be continued with or need to discontinue any of them, also please let me know new good performing funds to invest in. One time investment: (1) ICICI/ India Opportunities Fund - Growth - â‚¹2,50,000, (2) ICICI/ Value Discovery Fund - Growth - â‚¹2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - â‚¹2,00,000 SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - â‚¹5,000, (5) Canara Robeco Emerging Equities - Regular Plan - â‚¹5,000, (6) Aditya Birla SL Focused Equity Fund(G) - â‚¹5,000, (7) HDFC Mid-Cap Opportunities Fund(G) - â‚¹5,000, (8) ICICI Pru Bluechip Fund(G) - â‚¹5,000, (9) Axis Small Cap Fund - Regular Plan - â‚¹5,000, (10) ICICI Prudential Technology Fund - Growth - â‚¹5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - â‚¹5,000, (12) ICIPRU Multi-Asset Fund - Growth - â‚¹5,000, (13) ICIPRU Value Discovery Fund - Growth - â‚¹5,000

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.

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Mutual Funds, Financial Planning Expert - Answered on Nov 09, 2024

Question by Vimal - Nov 09, 2024Hindi

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During younh age 3 credit carf payment were delayed and settled bu bank. My cibil score now is 765 this is due to past faults 20yrs back. How can i rectify iy?

Ans: Since your CIBIL score is now a strong 765, it reflects a solid recovery despite past issues. However, to further improve it, focus on maintaining a perfect repayment history for all current credit. Avoid closing old accounts with good history, as they contribute positively. Regularly monitor your CIBIL report to ensure no errors. Over time, consistent and responsible credit behavior will enhance your score further.

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Milind Vadjikar |599 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 09, 2024

Asked by Anonymous - Nov 09, 2024Hindi

Money

Hello All . Looking for some advice I am 36 yr old and working class with Sal of 32 lakhs per annum Current savings are 33 lakhs in PPF / PF and Gratuity 3 lakhs in Shares and Mutual Fund 10 lakhs in Physical Gold 20 lakhs in Cash Liabilities Home loan outstanding 30 lakhs I wish to retire with corpus of 5cr and at age of 50 What do you think should change in my current portfolio

Ans: Hello;

You may begin a monthly sip of 80 K into a combination of pure equity mutual funds and continue for 14 years.

At 50, your sip may yield you a corpus of around 3.5 Cr.

The PF corpus will grow over 14 years into a sum of around 1 Cr. No additional contributions are assumed, which may be deemed as surplus.

The gold holding if liquidated and invested in equity mutual funds as lumpsum will yield a corpus of around 0.5 Cr after 14 years.

If you do not wish to liquidate gold holdings then the monthly sip may be hiked to 90 K.

The gold holding will grow in value to around 0.25 Cr over 14 years and 90 K sip will yield corpus of 3.75 Cr+.

Considering both scenarios you achieve your target of 5 Cr in 14 years:

80 K sip-3.5 Cr in 14 years
Pf value-1.0 Cr in 14 years
Gold holdings converted to equity MF holdings: 0.5 Cr in 14 years
Grand Total -5.00 Cr

90 K sip- 3.75 Cr+ in 14 years
Pf Value- 1.00 Cr in 14 years
Gold Value- 0.25 Cr in 14 years
Grand Total -5.00 Cr+

Pure equity MF returns assumed at 12%, PF at 8% and Gold return at 7%.

Happy Investing;

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I am 6 weeks pregnant. Only the gestational sac is visible. There is no heartbeat. I am worried and sad. What could be the possibility? Please help.

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Hi iam 32 year old mechanical engineering graduate. Iam a home maker since I completed my graduation. Now I want to do something in my life, learn different things, earn along with taking care of my family(husband and children). Iwas a very good student till engineering 2nd year then I lost interest because of stagnant studies in our college and no practicality. No one was there to guide us in our college. Now iam getting from my deep with in I should do something, I should learn and grow daily. I should earn and be financially independent and free financially till the age of 42. Can you please suggest me what are my opportunities, how can I grow ? Iam also interested in mathematics and history, these days I have a liking towards computer sciences too. What will you suggest?

Ans: Great question. Why 42. You will start earning from 2025 only. Just go for some certification course of DATA SCIENCE which will include AI cum Machine Learning. Since you are an engineer this course won't be a problem for you. Just before joining the course for 1-2 months see the YOU TUBE videos about coding. Never it is too late. It is good your self motivation is ignited yoir mind to do something. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

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Question by Dr - Jun 25, 2024Hindi

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What are the future prospects after IISER graduation?

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Question by Anas - Apr 13, 2024Hindi

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Career Counsellor - Answered on Nov 09, 2024

Asked by Anonymous - Apr 15, 2024Hindi

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I am 33 old female IT engg. I started preparing for govt exam right after graduation but didn't able to clear single one. During this course, also i got married but now i want to start a career but i am clueless which field i should start because of such huge gap. Please guide me

Ans: First be familiar with the changes which crept into the IT industry during the time of your gap, otherwise you will not be able to maintain the present pace. Secondly stop searching for govt. jobs. IT future lies in private only. One very good suggestion is there. Pursue 2 years online MBA in IT. It will cover many things which are presently in the market. Have 1/2 certificate course of AI & Machine Learning immediately and start applying for new jobs. I guarantee you will get good placement. I am always there for you. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

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Sir, My son studying ceramic engineering in NIT Raurkella, is there any job prospects in India in this field

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Asked by Anonymous - Apr 28, 2024Hindi

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My daughter is going to be graduated by next year in Electronic and communication engineering (ECE). Is there any good opportunity for job or should she continue her higher study? We are in a great confusion seeing this day by day fall down of job opportunity. Please help.

Ans: If the financial condition permits let her go for MS from a reputed university of USA. She needs good GRE SCORE, TOEFL score around 105-110, three good recommendations from her professor, a sloid SOP (statement of purpose) and approximately a funding between 80 lakhs to 1 crore. Don't lose hope and never discuss negative things in front of your daughter, it will affect her mental set up and enhance her anxiety. Everything will be OK. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling.Best of Luck. Professor...................:)

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Asked by Anonymous - May 02, 2024Hindi

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Hi sir, This is Naresh. I'm completed my diploma in civil engineering in 2016. After that I started my career as a structural cad engineer. Since 7 years I'm working as a professional engineer. I'm married. But actual my goal is in want become a structural design engineer. I stuck in my career. My salary also not growing as per the market. How can I get my degree in civil engineering field. And also I'm unable to quite my job. I want to grow in my career.Please guide me

Ans: Unless you go for BE (Civil) and M.Tech Structures you can't be an officially recognized Structural Engineer. But the present condition won't allow you to do BE (Civil) and M.Tech (Structures) by leaving you job and you are married too. So I would suggest you to appear for the AMIE exam. It is hard, but at least the scope is there. After completing AMIE you will be equivalent to BE ( Civil). After that even if you don't go for M.Tech it will not create any problem. Because AMIE with such a big experience will help you to stand as a sound structural engineer in the market. Join me in LINKEDIN for permanent connectivity and counselling. GOD BLESS YOU. Professor...................:)

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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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