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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Dec 20, 2019

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Venkat Question by Venkat on Dec 20, 2019Hindi
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I have been investing in the following MF for the last more than five years. Kindly let me have your opinion. 

Name of the Fund Category RankMF Star Rating
HDFC Equity Fund Equity - Multi Cap Fund 4
HDFC Capital Builder Equity - Value Fund 3
HDFC Midcap Opportunities Equity - Midcap Fund 3
ABSLFrontline Equity Fund Equity - Large Cap Fund 4
ABSL - MNC Fund Equity - Thematic Fund - MNC 4
ABSL Equity Fund Equity - Multi Cap Fund 4
HDFC Low Duration Fund Debt - Low Duration Fund 2
ABSL Savings Fund Debt - Ultra Short Duration Fund 5
ICICI prudential Value Discovery Fund Equity - Value Fund 2
ICICI Asset Allocator Hybrid - Multi Asset Allocation 4

Ans: You may continue with 4 and 5 rated funds; better options are available in value and midcap categories.

Equity Value Funds: (4-Star rated):

  • Tata Equity PE fund
  • UTI value opportunity funds

Midcaps: Suitable options considering quality and value for money at present levels are:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund
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 Nov 20, 2019

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Details of my mutual fund portfolio are as under: Name of the Fund Category RankMF Star Rating Axis Blue Chip Mutual Fund Equity - Large Cap Fund 5 Axis Midcap Fund Growth Equity - Midcap Fund 4 CanaraRobeco Equity Diversified Fund Regular Growth Equity - Multi Cap Fund 4 DSP Small Cap Fund Regular Growth Equity - Small cap Fund 2 HDFC Midcap opportunities Fund Growth Equity - Midcap Fund 3 ICICI Prudential Exports and Services Fund Growth Equity - Sectoral Fund - Service Industry 2 IDFC Multi cap Fund Regular Growth Equity - Multi Cap Fund 4 L&T Equity Fund Regular Growth Equity - Multi Cap Fund 4 L&T India Value Fund Regular Growth Equity - Value Fund 3 Nippon India Multicap Fund  Equity - Multi Cap Fund 2 SBI Blue Chip Fund Equity - Large Cap Fund 4 SBI Consumption opportunities Fund Regular Growth Equity - Sectoral Fund - FMCG 3 SBI Focussed Equity Fund Regular Growth Equity - Focused Fund 4
Ans:

All 5 and 4 star rated funds can be continued, rest can be replaced by the funds below in their respective categories.

Large cap Suitable option considering quality and value for money at present levels is Mirae Asset Large Cap Fund

Large and Midcap Suitable option considering quality and value for money at present levels is Kotak Equity opportunity.

Midcap: Suitable option considering quality and value for money at present levels is DSP Midcap and Axis Midcap

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap, Motilal Oswal Multicap 35

Focused: Suitable options considering quality and value for money at present levels are Axis Focused 25 and Motilal Oswal Focused 25

Small cap: Suitable options considering quality and value for money at present levels are Kotak Small Cap and Axis Small Cap

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Ramalingam

Ramalingam Kalirajan  |7645 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

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I have following MF investments all regular growth all purchases on initial offer of ten rupees. 1) Aditya Birla Sun Life focused equity fund -1200 units 2)Dsp world gold fund -500units 3)Hdfc banking financial services fund 1200. Units 4) Hdfc defence fund 1000units 5)Hdfc flexi cap fund 50 units 6)Hdfc mid cap opportunity fund 260 units. 7) Hdfc flexi cap fund 30 units 8)Hsbc value fund 450 units 9)Hsbc elss fund 500 units 10) Kotak global innovation fund 1200units 11)Kotak international REIT fund 500 units 12) Kotak flexi cap fund 260 units 13)Nippon India low duration fund 10 14)Sbi blue chip fund 1000 units 15) Sundaram focused fund 1300 units 16)Tata mid cap growth fund 350 units 17)Uti nifty 500 value 50 index fund 18100 units (Units transfered form Uti focused equity fund) 18)Uti mid cap fund 700 Units 19)Uti flexi cap fund 1000 Units 20)Uti Master Share Units 21)Uti nifty 50 equal weight index fund (Latest offer) Sbi infrastructure fund 500 units Following funds are all regular growth from Icici prudential fund. 1) Pharma health care & diagnostic fund 800 Units 2) Manufacturing fund 4300 units 3)India opportunities fund 2200 units 4) Flexi cap fund 5000 Units 5) Housing opportunities fund 2500 units 6) Balanced advantage fund 550 units 7)Psu equity fund 2800 units Sir I want to invest in Uti S&Phousing fund and Icici transaction & logistics fund 1000 units each.. Should I make some fresh investments or invest by transferring from existing Uti fund & Icici fund I am 75 years old. No urgent need of funds. Advise how-to proceed. Redy for taking risk.
Ans: Firstly, let me commend you for your disciplined approach towards investments. Your diversified portfolio reflects a well-thought-out strategy, which is commendable at any age, let alone at 75. It's heartening to see your willingness to adapt and continue investing even at this stage of life.

Given your age and risk appetite, while you're ready to take risks, it's crucial to balance it with the need for stability and liquidity. When considering adding new funds like Uti S&P Housing Fund and ICICI Transaction & Logistics Fund, you have two options: fresh investments or transferring from existing funds.

Transferring from existing holdings might streamline your portfolio, reducing the number of funds to manage. However, this could also entail exit loads or tax implications. On the other hand, fresh investments allow you to diversify further without disturbing your existing investments.

Considering no urgent need for funds, you might explore transferring from funds that might have underperformed or align less with your current investment strategy. Still, I'd strongly recommend consulting with a Certified Financial Planner to ensure a balanced approach that caters to your evolving needs while optimizing returns. After all, life is a journey, and managing your finances is a part of that journey, requiring both wisdom and adaptability.

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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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