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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 17, 2020

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Question by Siddharth on Jan 17, 2020Hindi

Money

I have been investing for past 5 years and below is the list of investment that I have done so far. Please suggest if I should continue investing in same manner or need to do any changes in the portfolio. Also, I am planning to invest in ICICI Prudential US Bluechip Equity Fund this month. Whether I should do an SIP or lumpsum investment?

Name of the Fund Category RankMF Star Rating

Lumpsum

ICICI Prudential Bluechip Fund - Direct Plan - Growth Equity - Large Cap Fund 3

ICICI Prudential Balanced Advantage Fund - Direct Plan - Growth Hybrid - Balanced Advantage 5

ICICI Prudential MNC Fund Direct Plan Growth Equity - Thematic Fund - MNC 4

Mirae Asset Focused Fund - Direct Plan - Growth - Growth Equity - Focused Fund 4

Axis Bluechip Fund - Direct Plan - Growth - Growth Equity - Large Cap Fund 4

Sundaram Equity Fund Equity - Multi Cap Fund 4

SIP

ICICI Prudential Bluechip Fund Equity - Large Cap Fund 3

ICICI Prudential Balanced Advantage Fund Hybrid - Balanced Advantage 5

SBI Bluechip Fund - Direct Plan Equity - Large Cap Fund 3

Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth Equity - Large & Mid Cap Fund 4

Ans: You may continue with 4 and 5 Star rated funds; for 3 star ones you can consider the below ones.

Equity - Large Cap Fund:

Mirae Asset Large Cap Fund – Growth
Axis Bluechip Fund – Growth
LIC Largecap Fund – Growth

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 05, 2022

Question by Nava - Apr 05, 2022Hindi

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I am 49 years old and Govt. service holder. I am currently investing in the following funds through SIP and lump sum for last 4 years. Please review my portfolio and suggest if I should continue or change? 1. Sundaram Large and Midcap Fund - Rs. 1500/- SIP 2. Aditya Birla Sun Life Focused Equity Fund - Rs. 1500/- SIP 3. Axis Mid Cap Fund - Rs. 1500/- SIP 4. SBI Flexi Cap Fund - Rs. 1500/- SIP 5. Nippon India Small Cap Fund - Rs. 50,000/- Lump sum (in 2018) 6. Tata Digital India Fund - Rs. 50,000/- Lump sum (in 2019) 7. Axis Small Cap Fund - Rs. 1,00,000/- Lump sum (in 2020) 8. DSP Small Cap Fund - Rs. 50,000/- Lump sum (in 2020) 9. DSP Natural Resources and New Energy Fund- Rs. 1,00,000/- Lump sum (in 2019)

Ans: Please continue

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Apr 22, 2022

Question by Deba - Apr 22, 2022Hindi

Money

I am 52 year professional, working in private sector. Other than my EPF & PF savings I am having following mutual fund investments (both in SIP & lump su). My goal is to have a corpus of Rs 1.5 - 2 cr in next 4-5 years. I am ready to invest Rs 40K in SIP on monthly basis and may be Rs 5-10 lump sum in another 6 months’ time. Request you to review my portfolio and advise on what SIPs I can start (also any correction required for existing funds?) as well as whether to invest in good equity stocks (I am having a demat account with few direct equities of Rs 2 L only) or in lump sum mutual fund for annual Rs 5-10 L surplus. Company No of shares Price Recommendation PORTFOLIO DETAILS A MONTHLY SIP MUTUAL FUND Sl No Fund Details Current value in Rs L SIP AMOUNT in RS 1 HDFC Flexi Cap Fund - Regular Plan Growth 4.32 3000 2 Axis Mid cap fund 0.6 5000 3 Mirage assets large cap fund 0.58 5000 4 Axis Special situation fund - Regular Plan - Growth 0.09 2000 5 Aditya Birla Sun Life Frontline Equity Fund Growth 3.8 3000 6 Kotak Emerging Equity Fund - Regular Plan Growth 0.09 3000 7 Kotak Equity Opportunity Fund - Regular Plan Growth 0.09 3000 B LUMP SUM MUTUAL FUND Sl No Fund Details Current value in Rs L Initial Value in Rs L 1 Axis Retirement Savings Fund - Conservative Plan - Regular Growth 6.2 5 2 Axis ESG Equity Fund Regular Plan Growth 4.85 3 3 Axis Blue-chip Fund Growth 5.2 3 4 Tata Focused Equity Fund - Regular Plan 6.16 4 5 LIC Debt Fund - Secured NA 2 6 LIC balanced Fund NA 2

Ans: Please continue, we can review after 1 year

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 10, 2022

Question by Pranabananda - Jun 10, 2022Hindi

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I am 48. Sir I have SIP in the following funds. Please let me know if I should continue or need to do any change in my investment. 1) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND-GROWTH Rs.1000 13.06.2016 (date) 2) DSP MID CAP FUND--GROWTH Rs.3000 12.06.2017 3) HDFC MID CAP OPPORTUNITIES FUND-GROWTH Rs.2000 20.12.2016 4) ICICI PRUDENTIAL VALUE DISCOVERY FUND-GROWTH Rs.1000 14.06.2016 5) MIRAE ASSET EMERGING BLUECHIP FUND-GROWTH Rs.1000 14.06.2016 6) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.2000 19.12.2016 7) HDFC CHILDRENS GIFT FUND-GROWTH Rs.1000 13.06.2016 8) AXIS FLEXI CAP FUND-GROWTH Rs.3000 02.06.2021 9) MIRAE ASSET HYBRID-EQUITY FUND-GROWTH Rs.1500 02.06.2021 10) MIRAE ASSET MIDCAP FUND-GROWTH Rs.3000 05.07.2021 11) NIPPON INDIA SMALL CAP FUND -GROWTH Rs.1000 26.12.2017 Sir I have invested lump sum amount in the following funds. Please suggest whether to continue or exit. 1) ADITYA BIRLA SUN LIFE BANKING AND FINANCIAL Rs.50,000 22.08.2016 (date) Rs.79,647 (present value) SERVICES FUND-GROWTH 2) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY Rs.50,000 22.08.2016 Rs.87,455 FUND-GROWTH 3) ADITYA BIRLA SUN LIFE SMALL CAP FUND-GROWTH Rs.100,000 29.06.2017 Rs.132,490 4) HDFC HYBRID EQUITY FUND-GROWTH Rs.120,273 01.06.2018 Rs.178,746 5) ICICI PRUDENTIAL BLUECHIP FUND-RETAIL-GROWTH Rs.20,042 22.02.2018 Rs.31,422 6) L&T INDIA VALUE FUND-GROWTH Rs.25,000 22.08.2016 Rs.48,505 7) L&T INDIA VALUE FUND-GROWTH Rs.150,000 17.04.2017 Rs.245,565 8) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.25,000 22.08.2016 Rs.61,878 9) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.105,000 28.04.2017 Rs.216,372 10) ADITYA BIRLA SUN LIFE PURE VALUE FUND-GROWTH Rs.50,000 06.11.2018 Rs.65,281 11) ADITYA BIRLA SUN LIFE TAX RELIEF 96-GROWTH Rs.100,000 06.11.2018 Rs.128,895 12) L&T EMERGING BUSINESS FUND-GROWTH Rs.100,000 13.12.2017 Rs.155,097 13) MIRAE ASSET BANKING & FINANCIAL Rs.264,987 16.12.2020(STP) Rs.273,346 SERVICES FUND-GROWTH 14) MIRAE ASSET BANKING & FINANCIAL Rs.50,000 23.11.2021 Rs.44,129 SERVICES FUND-GROWTH 15) MIRAE ASSET GREAT CONSUMER FUND-GROWTH Rs.180,000 13.12.2017 Rs.284,600 16) MIRAE HEALTHCARE FUND-GROWTH Rs.200,000 09.11.2018 Rs.401,429 17) MIRAE ASSET MIDCAP FUND-GROWTH Rs.235,462 9.12.2020(STP) Rs.280,601 18) NIPPON INDIA SMALL CAP FUND-GROWTH Rs.100,000 12.12.2017 Rs.178,693 19) TATA FLEXI CAP FUND-GROWTH Rs.100,000 09.11.2018 Rs.149,127 20) TATA INDIA CONSUMER FUND-PLAN A-GROWTH Rs.100,000 09.11.2018 Rs.141,382 21) UTI SMALL CAP FUND-GROWTH Rs.100,523 22.12.2020(STP) Rs.137,025

Ans: Too many funds, please consolidate it in 4 to 5 funds

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 30, 2020

Question by Sovan - Jan 30, 2020Hindi

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I have been investing for past 6 years and here is the list of investments that I have done so far. Please suggest if I should continue investing in same manner or need to do any changes in the portfolio. Where should I invest given the volatility of the market under current scenario? 1. SBI Blue Chip Fund-Regular Plan-Growth (one through SIP, and another through lump-sum; just above 2 years of investment) 2. SBI Mgnum Global Fund-Regular Plan-Growth (SIP) 3. SBI Equity Hybrid Fund-Regular Plan-Growth (SIP) Name of the Fund Category RankMF Star Rating Sovan 1. SBI Blue Chip Fund-Regular Plan-Growth Equity - Large Cap Fund 3 2. SBI Mgnum Global Fund-Regular Plan-Growth (SIP) Equity - Thematic Fund - MNC 4 3. SBI Equity Hybrid Fund-Regular Plan-Growth (SIP) Hybrid - Aggressive Hybrid Fund 5

Ans: You may please continue with 4 and 5 star schemes; for Large Cap Fund These MFs can be considered:

Large Cap:

LIC large cap fund – growth
Mirae Asset large cap – Growth
Axis BlueChip fund - Growth

Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Jan 22, 2024

Question by MANOJ - Jan 11, 2024Hindi

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I am 45 years old and work in Private sector. I am currently investing in the following funds through SIP and lump sum for last 2 years Please advoice me that I have continue or change- 1-DSP Multi Asset Allocation Fund Regular plan -100000/ 2-SIP 5000/ Mahindra Manulife Large & Mid Cap Fund Regular 3-SIP 2500/ SBI Flexicap Fund Growth Regular

Ans: The data provided by you is not sufficient for rendering any kind of suggestion or conduct any analysis. Suggestion can be given out after knowing goal requirement in diverse staggered manner time frame. Risk profiling also plays a crucial role in deciding the choice of investment solutions.

Although the fund held by you are good in fundamentals and have delivered favourable and decent returns as per the market scenario, I highly recommend consulting a certified financial advisor who can provide personalized advice based on your risk tolerance, financial goals, and specific circumstances.

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Ans: Raqi, B.Tech in Computer Science and Engineering with AI & ML specialization (CSE-AIML) provides a broad foundation in data structures, algorithms, operating systems, databases, and software engineering, then introduces AI and ML topics as electives, ensuring versatility across software development and systems design, whereas a dedicated B.Tech AI & ML focuses deeply on machine learning algorithms, neural networks, natural language processing, computer vision, reinforcement learning, and big-data analytics from the first year, accelerating domain expertise but limiting exposure to core CS concepts . The former allows seamless transition to diverse IT roles and smoother entry into interdisciplinary projects, while the latter equips students for specialized AI research and start-up environments with advanced math and statistical modeling skills earlier . For broader career flexibility—including software engineering, DevOps, and mobile/web development—CSE-AIML is preferable; if one is certain about an AI-centric trajectory and ready for intensive mathematical rigor, standalone AI & ML offers deeper early specialization . Recommendation: Opt for CSE-AIML to retain core CS versatility with AI proficiency, choosing pure AI & ML only if committed to niche AI research or data-driven product development. All the BEST for the Admission & a Prosperous Future!

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Hello, My son has got PES CS RR CAMPUS, Electronics & Electrical engineering in RVCE and also NIT SURATHKAL - MECHANICAL, CHEMICAL,CIVIL BRANCHES... Which one should he choose for better placements and opportunities...

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Question by Saptarshi - Jun 13, 2025

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I am getting IT at Jaypee Noida and CSE at MIT bengaluru. What should I choose?

Ans: Maithili, JIIT Noida benefits from NCR's proximity to major corporate hubs with strong connections to top recruiters including Microsoft India, LinkedIn, Cisco, Amazon, SAP Labs, and American Express . The institute's placement cell ensures comprehensive pre-placement training through workshops, guest lectures, and simulation exercises .

MIT Bengaluru's strategic location in India's IT capital provides exceptional industry exposure and internship opportunities . Students gain access to Microsoft, Amazon, NVIDIA, and other tech giants with internship stipends ranging from ?20,000 to ?1 lakh per month . The Bengaluru location offers significant advantages for networking and career development in technology sectors .

Recommendation: Choose MIT Bengaluru CSE for superior brand recognition, Bengaluru's IT ecosystem advantages, and broader industry exposure through MAHE's Institution of Eminence status, while JIIT Noida IT remains a solid alternative for consistent placement performance and specialized IT curriculum with strong NCR corporate connections. All the BEST for the Admission & a Prosperous 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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