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Ulhas

Ulhas Joshi  |266 Answers  |Ask -

Mutual Fund Expert - Answered on Jun 12, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
narendra Question by narendra on Jun 06, 2023Hindi
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I am investing in the following funds please guide whether i can continue these funds ICICI Prudential Equity & Debt Fund Growth 4250 Quant Small Cap Fund Growth 5000 Axis Midcap Fund Growth 2000) Small Cap Fund Growth 7000) ICICI Prudential Bluechip Fund Growth 5000 PGIM India Midcap opportunties direct Growt| 5000 Quant Midcap Fund Growth 5000 Quant Large & Midcap Fund Direct Growth. 5000

Ans: Hello Narendra and thanks for writing to me. The funds you invest in are good funds and you can continue to invest 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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Ramalingam

Ramalingam Kalirajan  |5295 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

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Hi sir ,please advise me iam having axis blue chip fund(G), ICICI Pru Value discovery fund(G),Mirae Asset Large cap (g),Motilal Osawal Nifty bank index fund (G),Quant active fund (G), SBI flexi cap fund , can i continue above funds ,please advise me
Ans: Evaluating Your Mutual Fund Portfolio for Optimal Performance

Your existing portfolio comprises a mix of equity and index funds, reflecting a diversified approach to investment. Let's assess each fund's performance and suitability to determine whether to continue or make any adjustments.

Analyzing Your Current Holdings

Axis Blue Chip Fund, ICICI Pru Value Discovery Fund, Mirae Asset Large Cap Fund, SBI Flexi Cap Fund, and Quant Active Fund offer exposure to various segments of the equity market, providing diversification benefits.

Motilal Oswal Nifty Bank Index Fund focuses on tracking the performance of the Nifty Bank Index, offering exposure to the banking sector.

Performance Evaluation

Evaluate each fund's historical performance relative to its benchmark and peer group. Assess factors such as consistency of returns, risk-adjusted performance, and fund manager expertise.

Consider the fund's investment strategy, portfolio composition, and expense ratio. Ensure alignment with your risk tolerance and investment objectives.

Identifying Areas for Potential Adjustment

Overlapping Holdings: Review your portfolio for any overlapping holdings or duplicate exposures across funds. Consolidate similar investments to streamline your portfolio and optimize diversification.

Underperforming Funds: Identify any funds that consistently underperform their benchmarks or peers. Consider replacing them with alternatives that offer better prospects for growth and align with your investment goals.

Asset Allocation: Maintain a balanced asset allocation across different fund categories to manage risk effectively and achieve your long-term financial goals.

Recommendations

Continue Well-Performing Funds: Retain funds that have demonstrated consistent performance, robust fundamentals, and alignment with your risk profile. These funds contribute to diversification and long-term growth potential.

Review Underperforming Funds: Evaluate underperforming funds and consider replacing them with better alternatives. Focus on funds with strong track records, experienced fund managers, and clear investment strategies.

Seek Professional Guidance: Consult with a Certified Financial Planner to review your portfolio, identify areas for improvement, and develop a personalized investment strategy. Professional guidance can help optimize your portfolio and maximize returns over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |5295 Answers  |Ask -

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

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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 - ₹2,50,000, (2) ICICI/ Value Discovery Fund - Growth - ₹2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - ₹2,00,000 SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - ₹5,000, (5) Canara Robeco Emerging Equities - Regular Plan - ₹5,000, (6) Aditya Birla SL Focused Equity Fund(G) - ₹5,000, (7) HDFC Mid-Cap Opportunities Fund(G) - ₹5,000, (8) ICICI Pru Bluechip Fund(G) - ₹5,000, (9) Axis Small Cap Fund - Regular Plan - ₹5,000, (10) ICICI Prudential Technology Fund - Growth - ₹5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - ₹5,000, (12) ICIPRU Multi-Asset Fund - Growth - ₹5,000, (13) ICIPRU Value Discovery Fund - Growth - ₹5,000
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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Ramalingam

Ramalingam Kalirajan  |5295 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Hello Madam, 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 - Rs.2,50,000, (2) ICICI/ Value Discovery Fund - Growth - Rs.2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - Rs.2,00,000. SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - Rs.5,000, (5) Canara Robeco Emerging Equities - Regular Plan - Rs.5,000, (6) Aditya Birla SL Focused Equity Fund(G) - Rs.15,000, (7) HDFC Mid-Cap Opportunities Fund(G) - Rs.5,000, (8) ICICI Pru Bluechip Fund(G) - Rs.5,000, (9) Axis Small Cap Fund - Regular Plan - Rs.5,000, (10) ICICI Prudential Technology Fund - Growth - Rs.5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - Rs.5,000, (12) ICIPRU Multi-Asset Fund - Growth - Rs.5,000, (13) ICIPRU Value Discovery Fund - Growth - Rs.5,000. Thank You.
Ans: It's great to see your diversified portfolio. While your current investments seem well-distributed across various sectors and fund types, it's always a good idea to periodically review and reassess your holdings.

For one-time investments, consider evaluating the performance and future prospects of each fund. Are they aligned with your investment goals and risk tolerance? You might want to assess if any fund's objectives no longer match your investment strategy.

Regarding SIPs, you have a mix of large-cap, mid-cap, small-cap, and sectoral funds, which is commendable for diversification. However, keep an eye on the performance of each SIP and consider rebalancing if necessary.

As for new investments, consider funds that complement your existing portfolio while providing exposure to sectors with growth potential. Research and consult with a financial advisor to identify funds with strong track records and promising outlooks.

Remember, regular review and adjustment are key to maintaining a healthy and optimized investment portfolio.

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Ramalingam

Ramalingam Kalirajan  |5295 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

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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 - Rs.2,50,000, (2) ICICI/ Value Discovery Fund - Growth - Rs.2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - Rs.2,00,000. SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - Rs.5,000, (5) Canara Robeco Emerging Equities - Regular Plan - Rs.5,000, (6) Aditya Birla SL Focused Equity Fund(G) - Rs.15,000, (7) HDFC Mid-Cap Opportunities Fund(G) - Rs.5,000, (8) ICICI Pru Bluechip Fund(G) - Rs.5,000, (9) Axis Small Cap Fund - Regular Plan - Rs.5,000, (10) ICICI Prudential Technology Fund - Growth - Rs.5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - Rs.5,000, (12) ICIPRU Multi-Asset Fund - Growth - Rs.5,000, (13) ICIPRU Value Discovery Fund - Growth - Rs.5,000. Thank You.
Ans: Your current mutual fund portfolio reflects a thoughtful mix of investments. Here's a detailed evaluation to help you decide whether to continue with them or make adjustments.

One-Time Investments
ICICI India Opportunities Fund - Growth

This fund focuses on capturing opportunities in various sectors. It is suitable for investors with a high-risk tolerance and long-term horizon. If you fall into this category, continue holding this fund.

ICICI Value Discovery Fund - Growth

This fund aims to discover undervalued stocks. It has a good track record but requires patience. If you can handle short-term volatility, it’s a good hold for long-term gains.

ICICI Transportation & Logistics Fund - Growth

This sectoral fund targets the transportation and logistics sector. Such funds can be volatile and are suitable only if you have high sectoral conviction. If not, consider reallocating to more diversified funds.

Systematic Investment Plan (SIP) Monthly
Axis Flexi Cap Fund - Regular Plan

A flexi cap fund offers diversification across various market caps. This fund is known for its stable performance. Continue your SIP in this fund for balanced exposure.

Canara Robeco Emerging Equities - Regular Plan

This fund focuses on emerging companies with growth potential. It’s a good choice for aggressive investors. If your risk appetite supports it, continue this investment.

Aditya Birla SL Focused Equity Fund(G)

Focused funds invest in a limited number of stocks, offering high growth potential but also higher risk. If you can withstand market fluctuations, this fund can be a valuable part of your portfolio.

HDFC Mid-Cap Opportunities Fund(G)

Mid-cap funds invest in medium-sized companies with high growth potential. This fund is well-regarded for its consistent performance. Continue your SIP for long-term wealth creation.

ICICI Pru Bluechip Fund(G)

Bluechip funds invest in large, well-established companies. They offer stability and moderate returns. This fund is a good choice for conservative investors seeking steady growth. Continue your investment.

Axis Small Cap Fund - Regular Plan

Small cap funds invest in smaller companies with high growth potential but also higher risk. If you have a high risk tolerance and a long-term horizon, continue this SIP.

ICICI Prudential Technology Fund - Growth

Technology funds can be volatile but offer high growth potential. If you believe in the long-term growth of the tech sector, continue this investment.

HSBC Midcap Fund

Midcap funds are suitable for investors looking for higher returns and willing to accept moderate risk. This fund has a good track record. Continue your SIP for potential high returns.

ICICI Pru Multi-Asset Fund - Growth

This fund invests across various asset classes, providing diversification and reducing risk. It’s a balanced choice for moderate-risk investors. Continue your investment for diversified growth.

ICICI Pru Value Discovery Fund - Growth

As mentioned earlier, this fund focuses on undervalued stocks. If you have patience and a long-term horizon, it remains a good choice.

Recommendations for New Investments
Based on the current market trends and performance, consider these high-performing funds for new investments:

Large Cap Fund

Investing in large-cap funds provides stability and consistent returns. These funds are less volatile and are a good option for conservative investors.

Mid Cap Fund

Mid-cap funds offer a balance between risk and return. They are suitable for investors looking for higher growth without the high volatility of small caps.

Balanced Advantage Fund

These funds dynamically allocate assets between equity and debt, based on market conditions. They offer stability and moderate growth, suitable for conservative to moderate investors.

International Equity Fund

Investing in international equity funds can provide geographical diversification and hedge against domestic market volatility.

Conclusion
Your current portfolio is well-diversified and has a mix of sectors and market caps. Most of your investments are performing well and align with long-term growth strategies. By adding a few new high-performing funds, you can enhance your portfolio’s performance and diversification.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |2471 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2024

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Career
Presently Im a class 12 commerce student and i want to join BCA for my degree next year but i dont know what are the careers after BCA.
Ans: Adella, first of all, shortlist top 5-10 colleges to get admission for your BCA.

Know the Eligibility Criteria / Admission Process / Entrance Exams (such as CUET & other Private Colleges' its own Entrance Exams) you will have to appear in.

There are multiple career options after BCA, but depends upon which specialization you will choose, which specilizations are available in the college you will join & which all skills you will upgrade. Some of the examples of specializations available for BCA are:

1) Software Development
2) Cyber Security
3) Data Analytics
4) Web Development
5) Mobile Application Development
6) Networking & System Administration
7) Cloud Computing
8) Digital Marketing
9) Multimedia & Animation
10) AI & ML
11) Full Stack Development & More.

After you get admission into BCA in any college:

1) Try to maintain a good academic performance.
2) Involve in co/extra-curricular activities.
3) Keep upgrading your skills, as recommended by your college faculties.
4) Start researching about the Recruiters/Companies visited your college for Campus Recruitment.
5) Have a Professional LinkedIn Profile.
6) Put Job Alerts related to your domain in LinkedIn.
7) Get notifications of job vacancies and go through the JD (Job Description) of each.
8) Know the Job Market Trends & keep analyzing how it changes till your 3rd year.
9) Connect with Professionals of your domain, get their advice/views/opinions for your Career Growth
10) At the end of your 3rd year, start applying for jobs through LinkedIn, matching your Profile and also prepare for your Campus Interview.

All the BEST for Your 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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