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Hemant Bokil | Answer |Ask -Follow

Financial Planner - Answered on Mar 21, 2023

Hemant Bokil is the founder of Sanay Investments. He has over 15 years of experience in the field of mutual funds and insurance.Besides working as a financial planner, he also hosts workshops to create financial awareness. He holds an MCom from Mumbai University.... more

Question by Girish on Mar 19, 2023Hindi

Money

Hi, I am investing 25,500 as a SIP in following MF schemes since 2017. 1. Franklin India Focused Fund - 5000 2. HDFC Hybrid Eqt Dir-G - 4000 3. ICICI Pru Eqt & Debt Dir-G - 4000 4. Kotak Flexicap Dir-G - 2500 5. Mirae Asset Emrgng Bluechip Dir - 7500 6. Mirae Asset Large Cap Dir-G - 2500 Please advise if I need to make any adjustments. I want to increase investments by around 50,000, should I increase SIP on these schemes?

Ans: Hi too many funds will not serve purpose of diversification. My suggestion is remove Franklin hdfc hybrid kotak flexi cap and add parag parikh flexi cap and and uti nifty 59 index fund

Disclaimer - its suggested portfolio and I and my clients can have holdings in them

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 Apr 11, 2022

Question by Venkata - Apr 11, 2022Hindi

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I am 49 years old. I have started investing in MF for a couple of years. Below is my portfolio. I can invest some more in SIPs. Please check and advise. Fund Plan SIP Status UTI FLEXICAP GROWTH Active MOTILAL OSWAL FOCUSED 25 FUND GROWTH Active ICICI PRUDENTIAL BLUECHIP FUND GROWTH Active AXIS ESG EQUITY FUND REGULAR GROWTH Active LNT INDIA VALUE FUND REGULAR PLAN-GROWTH OPTION Paused KOTAK FLEXICAP FUND GROWTH OPTION Stopped ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND GROWTH Stopped

Ans: Please continue with the active ones

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 04, 2020

Question by Ramesh - Aug 04, 2020Hindi

Money

SIP Details ongoing since last 4 years, should I continue with the same schemes or request your kind suggestion / advice. SIP amount of Rs.3000 per month in each of the MF. 1) Birla Sun Life Pure Value Fund - Growth 2) Canara Robeco Emerging Equities - Growth 3) DSP Black Rock Income Opportunities Fund - Growth 4) DSP Black Rock Small And Mid Cap Fund - Growth 5) Franklin India Prima Fund - Growth 6) Kotak Emerging Equity Scheme - Regular Plan - Growth 7) L&T Emerging Businesses Fund - Regular Plan - Growth 8) L&T India Value Fund - Regular Plan - Growth 9) SBI Magnum Midcap Fund - Growth 10) Sundaram Select Midcap – Growth

Name of the Fund	Category	RankMF Star Rating	Recommendations
Ramesh Koti
1) Birla Sun Life Pure Value Fund – Growth	Equity - Value Fund	1	switch to Axis ESG Fund - Growth
2) Canara Robeco Emerging Equities – Growth	Equity - Large & Mid Cap Fund	4	continue
3) DSP Black Rock Income Opportunities Fund - Growth (Dsp Credit Risk Fund - Regular Plan)	Debt - Credit Risk Fund	2	Credit Risk funds to be avoided , instead Corporate Bond or Banking and PSU funds to be considered
4) DSP Black Rock Small And Mid Cap Fund - Growth
Dsp Small Cap Fund - Regular Plan – Growth	Equity - Small cap Fund	2	switch to Axis ESG Fund - Growth
Dsp Midcap Fund - Growth	Equity - Mid cap Fund	4	continue
5) Franklin India Prima Fund - Growth	Equity - Mid Cap Fund	2	Switch to - Dsp Midcap Fund - Growth
6) Kotak Emerging Equity Scheme - Regular Plan - Growth	Equity - Mid Cap Fund	3	Switch to - Dsp Midcap Fund - Growth
7) L&T Emerging Businesses Fund - Regular Plan - Growth	Equity - Small cap Fund	2	switch to Axis ESG Fund - Growth
8) L&T India Value Fund - Regular Plan – Growth	Equity - Value Fund	2	switch to Axis ESG Fund - Growth
9) SBI Magnum Midcap Fund - Growth	Equity - Mid Cap Fund	2	Switch to - Dsp Midcap Fund - Growth
10) Sundaram Select Midcap – Growth	Equity - Focused Fund	2	switch to Axis Focused 25 Fund - Growth

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Mutual Funds Expert - Answered on Sep 26, 2022

Question by Ashwani - Sep 26, 2022Hindi

Money

Good morning sir, I am investing since 4 years in MFs. Sir, I am investing 12000 /month and have a plan to invest next 5 years. May I continue these SIPs? Or is there any requirement to change? 1. Franklin india smaller cap fund-1000 2. HDFC hybrid equity fund -1000 3. HDFC mid cap opportunity fund -1000 4. ICICI prudential long term -1000 5. Invasco india Contra fund-1000 6. Kotak flexi cap regular growthfund -1000 7. Nippon india small cap fund growth -1500 8. SBI blue chip fund-2500 9. SBI megnum children benifit fund -2100

Ans: Hello Ashwani, I can see over diversification with your current investments with 12k sip amount. I would suggest you to consolidate your mf investments and reshuffle the portfolio.

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Tax, Mutual Fund Expert - Answered on Apr 19, 2023

Question by Surya - Mar 21, 2023Hindi

Money

Hi, I am investing 24,000 as a SIP in following MF schemes since 2020. 1. HDFC Taxsaver - 5000 2. HDFC retirement saving - 2000 3. Mirae asset large cap fund - 3000 4. Axis small cap fund - 2000 5. Axis mid cap fund - 2000 6. Axis bluechip fund - 2000 7. Franklin india feeder - US Opp fund - 2000 8. Quant active fund - 3000 9. Parag Parikh flexi cap fund - 3000 Please advise if I need to make any adjustments. I want to make corpus of 1 CR by 2030.

Ans: Dear Surya,

It's great to see that you've been disciplined with your investments since 2020. Your portfolio comprises a mix of tax-saving, retirement, large-cap, mid-cap, small-cap, and international funds, which is a good sign of diversification.

Considering your goal of accumulating a corpus of â‚¹1 crore by 2030, let's look at your current investment approach and see if any adjustments are needed.

First, let's assume an average annual return of 12% on your investments, which is reasonable for equity-oriented mutual funds in the long term. With your current monthly SIP of â‚¹24,000, you will have invested â‚¹2,88,000 annually. By 2030, which is 7 years away, you would have invested â‚¹20,16,000 in total.

Using the assumed 12% annual return, the future value of your investment by 2030 would be approximately â‚¹33,38,000. This is significantly short of your â‚¹1 crore goal.

To achieve your target, you would need to increase your monthly SIP amount. Here's what you can do:

Review your financial situation and identify any areas where you can increase your monthly investments. You may need to invest around â‚¹50,000 per month to achieve â‚¹1 crore by 2030, assuming the same 12% annual return.
Reassess your portfolio and its asset allocation. While your current allocation seems well-diversified, it's important to ensure that it's aligned with your risk tolerance and investment horizon. You may need to make some changes to improve the potential for higher returns. Consider discussing this with a financial advisor to ensure your portfolio is optimized for your goals.
Regularly review your investments and their performance. It's essential to keep track of how your mutual funds are performing compared to their benchmark indices and peers. If you find any underperformers, consider replacing them with better-performing alternatives.
Remember that investing is a long-term journey and requires patience, discipline, and regular reviews. It's important to stay committed to your investment plan and make adjustments as needed to reach your financial goals.

Wishing you the best on your journey to â‚¹1 crore by 2030!

Warm regards,

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Asked by Anonymous - Jan 29, 2025Hindi

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I understand your concern but how will you know whether height is an issue for her until you go ahead and speak to her? If you are worried about confessing your feelings for her directly, it's best you take things slow. Anyways, people are more likely to take such confessions on a positive note if they know the person.

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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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