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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 20, 2019

Mutual Fund Expert... more

Question by Somnath on Dec 20, 2019Hindi

Money

I am investing Rs 1000 in each of these mutual funds shown in the table below for last three years. Suggest whether to continue or change and if changes required which fund to invest. These are my mutual funds:

Name of the Fund Category RankMF Star Rating

Invesco India Contra Fund Growth Equity - Contra Fund 4

Canara Robeco Emerging Equities Regular Dividend

Dividend Payout Equity - Large & Midcap Fund 2

Dividend Reinvestment Equity - Large & Midcap Fund 3

ICICI Prudential Bluechip Fund Growth Equity - Large Cap Fund 3

Mirae Asset Large Cap Fund Growth Plan Equity - Large Cap Fund 4

SBI Blue Chip Fund Regular Plan Growth Equity - Large Cap Fund 3

Axis Blue Chip Fund Growth Equity - Large Cap Fund 4

HDFC Top 100 Fund Regular Plan - In hold now Equity - Large Cap Fund 4

Mirae Asset India Equity Fund Dividend Plan - In hold now Equity - Large Cap Fund 3

L & T Infrastructure Fund Growth- In hold now Equity - Sectoral Fund - Infrastructure 2

Ans:

Large and Midcaps:

Axis Growth Opportunities Fund – Growth
Tata Large and Midcap Fund - Growth

Large Caps:

LIC MF Large Cap Fund – Growth
Mirae Asset Large Cap 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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Question by AMIT - May 04, 2023Hindi

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Hi, i am 47 years old and investing in following mutual funds for last 3/4 years. Pls suggest if I should continue with them or replace with other MF ? 1/ Aditya Birla SunLife MNC-G - 5000/- 2/ Canara Robecco Bluechip Equity Reg-G - 10,000/- 3/ Axis Small Cap Reg-G - 10,000/- 4/ HDFC Flexi Cap-G - 10,000/- 5/ ICICI Prudential Value Discovery (G) - 10,000/- 6/ Mirae Asset Emerging Bluechip Reg-G - 5,000/- 7/ Sundaram Midcap Reg-G (BLD) - 5,000/- 8/ Nippon India Growth (G) - 10,000/- 9/ Tata Digital India Reg-G - 5000/- 10/ PGM India Mid cap Opportunity Reg-G - 5000/- 11/ Mirae Asset BFS Fund Reg-G - 5000/-

Ans: As per your Mutual fund selcetion, you have an exposure in categories like thematic funds, flexi caps, value funds, bluechip, large and mid, mid cap, etc
The funds look okay but i would like you to consolidate your funds and select fewer funds compared to soo many funds.
You can select categories like Mid cap - 2 funds
Large and mid - 2 funds
small cap - 2 funds
consumption fund - 1 fund
MNC - 1 fund
Value fund - 1 fund
Digital fund - 1 fund

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.

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Mutual Fund Expert - Answered on Jun 27, 2023

Question by Rishikesh - May 23, 2023Hindi

Money

Sir, I have 3 Mutual Funds investing Rs. 5000 in each from 3.5 - 4 yrs , kindly advise if i continue all 3 or change some portfolio .. 1) AXIS Blue Chip Fund - 18.58% 2) SBI Magnum Equity ESG Fund - 15.5 % 3) Canara RobecoBlue Chip Equity - 12 % Average XIRR for all 3 is 16%

Ans: Hello Rishikesh and thanks for writing to me. The funds you have invested in are good funds and you can continue to invest in them.

Please share your own goals, time horizon to help me recommend schemes that may be more suited for you.

Sunil Lala | Answer |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Sandeep - Jun 05, 2023Hindi

Money

I am a 36 year old working professional in IT Sector. i am currently investing in in the following mutual funds from past 1 year 1. Axis Bluechip Fund Growth - 2000 2. HDFC Flexicap fund - 4500 3. SBI Multicap Fund Regular Plan Growth - 2500 4. Parag Parikh Flexi Cap Fund Regular Plan Growth - 2500 5.Mirae Asset Large Cap Fund Regular Plan Growth - 5000 6. ICICI Prudential Balanced Advantage Fund Growth - 5000 7. TATA Digital India Fund Regular Plan Growth - 2000 8. HDFC Index Fund - 5000 also investing in Kotak ULIP 2,00,000/- per year from 3 years. Do i need to change or buy new. i wants to invest 20K more monthly.

Ans: Hello, as I can see the funds, I would like to suggest the category of funds you should select of your time horizon is 7-10yrs plus
Small cap - 20%
Mid cap -20%
Large and mid - 20%
Multicap -20%
Thematic fund - 10%
Funds of your choice- 10%
Ulip should be invested in by checking the cost of the ulip. If the cost is more than the mutual funds , you can avoid that

Ramalingam Kalirajan |10958 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 2024

Question by Chandar - Jul 15, 2024Hindi

Money

HI SIR I HAVE INVEST SOME OF MUTUAL FUND LAST 9 MONTHS AGO, AND I WANT YOUR OPINION WHAT CAN I DO, I CONTINUE WITH THEM OR SWITCH OR STOP. THERE ARE MY PROFILE (HDFC TRANSPORTATION AND LOGISTICS FUND DIRECT GROWTH @ RS. 1000/- PM, TATA MULTICAP FUND DIRECT GROWTH @ RS. 500/- PM, TATA NIFTY INDIA DIGITAL ETF FOF DIRECT GROWTH @ RS. 500/- PM, BANDHAN FINANCIAL SERVICES FUND DIRECT GROWTH @ RS. 500/- PM, MIRAE ASSET MULTI ASSET ALLOCATION FUND DIRECT GROWTH @ RS. 500/- PM)

Ans: You have invested in various mutual funds for 9 months.

Your portfolio includes HDFC Transportation and Logistics Fund, Tata Multicap Fund, Tata Nifty India Digital ETF FOF, Bandhan Financial Services Fund, and Mirae Asset Multi Asset Allocation Fund.

Assessing Each Fund
HDFC Transportation and Logistics Fund

Sector-specific fund focused on transportation and logistics.
High risk due to sector concentration.
Suitable for aggressive investors.
Tata Multicap Fund

Invests across large, mid, and small-cap companies.
Diversified portfolio reduces risk.
Balanced growth potential.
Tata Nifty India Digital ETF FOF

Follows the digital sector index.
High risk due to sector focus.
Suitable for those with high risk tolerance.
Bandhan Financial Services Fund

Sector-specific fund focused on financial services.
High risk with potential high returns.
Suitable for aggressive investors.
Mirae Asset Multi Asset Allocation Fund

Invests in equity, debt, and other assets.
Balanced risk and return.
Good for moderate risk tolerance.
Recommendations
Diversification and Risk Management

Your current portfolio is diversified but has high sector concentration.

Reduce Sector-Specific Exposure: High concentration in specific sectors can be risky.
Increase Allocation in Diversified Funds: Multicap and multi-asset funds offer balanced growth and lower risk.
Actively Managed Funds vs. Index Funds

Actively managed funds aim to outperform the market.

Higher Potential Returns: Managed by experts who adjust based on market conditions.
Better Risk Management: Professionals make strategic decisions to mitigate risk.
Benefits of Regular Funds over Direct Funds

Direct funds lack professional guidance.

Expert Advice: Regular funds come with professional management.
Personalised Support: Certified Financial Planners provide valuable insights and adjustments.
Portfolio Adjustment Strategy
Continue with Balanced Funds

Tata Multicap Fund: Offers diversification and balanced growth.
Mirae Asset Multi Asset Allocation Fund: Provides stability with a mix of assets.
Reevaluate Sector Funds

HDFC Transportation and Logistics Fund: High risk; consider reducing allocation if risk tolerance is low.
Bandhan Financial Services Fund: High risk; reassess based on market conditions and risk tolerance.
Consider Alternatives to Index Funds

Tata Nifty India Digital ETF FOF: Sector-focused and passive; consider actively managed diversifed funds for better risk adjusted returns.
Regular Monitoring and Review
Review your portfolio every six months.

Assess Performance: Check fund performance and market conditions.
Seek Professional Guidance: Certified Financial Planners can provide insights and adjustments.
Final Insights
Your current portfolio has a mix of sector-specific and diversified funds.

Consider reducing exposure to high-risk sector funds.

Increase allocation in diversified and balanced funds.

Regularly review and adjust your investments with professional guidance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Latest Questions

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Financial Planner, MF, Insurance Expert - Answered on Jan 15, 2026

Question by Girish - Jan 14, 2026Hindi

Money

Hi, I am 55 years of age, an NRI working in Dubai and my company has a medical insurance policy that covers all medical expenses for me and my wife all over the world. In 5 years time, upon retirement, I will relocate back to India. Will I be able to take a medical insurance policy for myself and my wife at the age of 60 years ? If I take a medical insurance policy now, would it help in reducing the insurance premium ? Kindly advice.

Ans: Hi Girish

You are 55, working in Dubai, and currently covered under your company’s medical insurance worldwide. That cover is excellent, but please remember one important thing: it ends the day your employment ends. Health insurance planning has to look beyond employment.

Can you take a health insurance policy in India at age 60?
Yes, you can. Most insurers in India do allow entry at 60 years and even later.
However, at that age:

Premiums are significantly higher

Medical tests and scrutiny are much stricter

Any lifestyle condition or past medical history can lead to waiting periods, exclusions, or higher premiums

So while it is possible, it is not ideal to start fresh at 60.

Will taking a policy now help reduce premium later?
The bigger benefit is not just premium, but certainty and continuity.

If you take a policy now at 55:

You enter at a lower age slab

Mandatory waiting periods (usually 2–4 years) get completed well before retirement

By the time you are 60, the policy becomes mature and far more useful

Underwriting happens when you are younger and healthier

Premiums will still rise with age, but you avoid the sharp jump and uncertainty of entering as a new senior citizen.

But since you already have full medical cover, is this necessary?
Think of this Indian policy as a retirement safety net, not a replacement for your employer cover.

You do not need to actively use it now.
You just need it to run in the background, so that when you return to India, you are not forced to buy insurance at the worst possible time.

Many NRIs make the mistake of postponing this decision and then struggle at 60 when options become limited.

What kind of policy should you consider?
Keep it straightforward:

A family floater for you and your wife

Decent coverage, not the bare minimum

Focus on hospitalisation benefits

Buy it with the intention of continuing it for life

Avoid over engineering the policy. Simplicity works best in health insurance.

Final advice
Health insurance is one area where early action quietly pays off later.
You may never thank yourself at 60 for buying a policy at 55, but you will definitely regret not doing it if a medical issue arises.

Most obvious question how can I take the family floater insurance most insurance will issue when you are visiting India

Few insurance will issue incase your are not able to visit Indian the cost of medical test in your abroad hospital or clinic will cost you heavy on pockets

Naveenn Kummar
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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26 from Pune. I've been trying to lose weight for months, but it's been a real struggle. Even though I've cut down on rice, sweets, and fried food, the numbers on the scale hardly move. Some people say it's because I'm not eating enough, others say I should avoid carbs completely. I don't even know what's right anymore. Is there a healthy way to lose weight without feeling tired and hungry all the time? And how do I know if my metabolism has actually slowed down?

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Asked by Anonymous - Dec 03, 2025Hindi

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I was recently diagnosed with borderline diabetes, and my doctor said I need to control my diet. But honestly, it's very hard in our Indian households where every meal has rice, roti, and something sweet after lunch. I don't want to completely give up traditional food. How can I manage my sugar levels and still eat our normal home food without feeling like I'm on a strict diet all the time?

Ans: Indian meals are deeply cultural and comforting, and it’s not realistic (or enjoyable) to cut them out completely. The good news is you can manage borderline diabetes without giving up traditional food by making smart adjustments in portion, timing, and combinations. It’s less about restriction and more about balance. Choose whole grains like multigrain atta, jowar, bajra, ragi, or brown rice and mix with protein & fiber like rice/roti with dal, sabzi, and salad. Replace gulab jamun/halwa with fruit-based desserts (baked apple, fruit chaat, dates in moderation). Replace gulab jamun/halwa with fruit-based desserts (baked apple, fruit chaat, dates in moderation). Eat smaller meals more often, stay hydrated and exercise regularly.

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I live in Dehradun. I have Type 2 diabetes and work in an office where there's always tea and biscuits going around. It's so tempting, and I often give in thinking 'just one won't matter'. But later I feel guilty. What kind of healthy snacks or tea-time options can I keep at my desk that won't spike my sugar levels but still satisfy cravings?

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I've been told that fruits are good for health, but also that people with diabetes should avoid sweet fruits. This is so confusing because some say apples and papayas are fine, others say no fruits at all after meals. Can you please explain which fruits are actually safe for diabetics and how much is too much?

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Question by Hemantkumar - Dec 03, 2025Hindi

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Many of my friends in college have started doing intermittent fasting, and they keep talking about how effective it is for weight loss. Some of them say they've lost 4–5 kilos in just a few weeks by skipping breakfast and eating only between 12 PM and 8 PM. Seeing their results, I also started feeling tempted to try it. But I've been recently told that my blood sugar levels are a bit high, and I might be pre-diabetic. That's why I'm confused and a little scared. On one hand, everyone says intermittent fasting helps control weight and improves metabolism, but on the other hand, I keep reading that people with diabetes shouldn't stay hungry for long hours because it can cause a sugar drop. So I don't know what's true anymore. Is intermittent fasting actually safe for someone who has early signs of diabetes, or is it something I should completely avoid? And if it's risky, is there a safer way to manage my weight without harming my sugar levels?

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I recently entered menopause, and I’ve noticed my weight going up no matter what I eat or how careful I try to be. Earlier, if I skipped sweets for a week or reduced portions, I could see a small difference, but now it feels like nothing works. My metabolism seems to have completely slowed down, and I also experience sudden mood swings, bloating, and fatigue. It’s quite frustrating because I’m eating mostly home food — chapati, sabzi, dal, very little oil — and I even try to go for walks regularly. Still, my clothes have become tighter and I feel more irritable than before. Some friends say it’s just hormonal and can’t be helped, while others suggest cutting carbs or going on a high-protein diet. But I’m not sure what’s safe or sustainable at this stage. Is there a specific kind of diet that can help women during menopause manage their weight, energy levels, and mood swings without feeling constantly hungry or deprived?

Ans: During menopause, weight gain and fatigue are common due to hormonal changes and a slower metabolism, but the right diet can help. A balanced approach is beneficial, such as a Mediterranean-style diet or a modified high-protein plan that emphasizes whole grains, lean protein, healthy fats, and plenty of vegetables. This supports weight management, stabilizes mood, and boosts energy without leaving you hungry. Pairing this with strength training, good sleep, and stress management can help you manage weight, energy, and mood swings sustainably.

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Dietician, Diabetes Expert - Answered on Jan 15, 2026

Asked by Anonymous - Dec 03, 2025Hindi

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Everyone talks about CLEAN EATING these days, but I'm not sure what it actually means. Does it mean avoiding all packaged foods, or just choosing the right kind?

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Dietician, Diabetes Expert - Answered on Jan 15, 2026

Asked by Anonymous - Jan 05, 2026Hindi

Is it unhealthy to drink black coffee in the morning? I have been told it helps in losing belly fat. Is it true?

Ans: Drinking black coffee in the morning is generally safe for most healthy adults, and while it can slightly boost metabolism and suppress appetite, it does not directly burn belly fat. Sustainable fat loss requires overall diet control and lifestyle changes, and not coffee alone.

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Tax Expert - Answered on Jan 14, 2026

Asked by Anonymous - Jan 10, 2026Hindi

Money

Main abhi thekedaar ke under rehkar kaam kr reha hu or pf bhi kat reha hai or sath me iti bhi kr reha hu meri iti krne ke baad mera jo abhi pf kat reha or jo pf number hai usme koi problem to nahi hogi jab me iti krne ke baad kissi dusri company me joining karunga iti certificate k sath

Ans: No problem with your PF Number. You can continue with same number but you need to inform your new employer about your PF number when joining the company

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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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