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Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on May 23, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more

Question by Rahul on Apr 29, 2023Hindi

Money

I am investing in following schemes with a target of wealth creation 1. Navi nifty 50 index fund 2. Quant tax plan 3. SBI Bluechip fund 4. DSP small cap 5. DSP Natural energy resources 6. Nippon ITBEES Nippon ITBEES which I just started investing 3000 per month for the next one year Pls suggest about the overall health of portfolio and also any changes to be made. Plus approx amount that can be accumulated in the next 10-12 years. Thanks

Ans: Hello Rahul. Your portfolio health sounds good. In light of the fact that the total monthly sip amount is not mentioned, calculating the corpus is not possible

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 Rahul - Apr 29, 2023Hindi

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I am investing in following schemes with a target of wealth creation Investment : SIP - 1000 per month 1. Navi nifty 50 index fund 2. Quant tax plan 3. SBI Bluechip fund 4. DSP small cap 5. DSP Natural energy resources 6. Nippon ITBEES Nippon ITBEES which I just started investing 3000 per month for the next one year Pls suggest about the overall health of portfolio and also any changes to be made. Plus approx amount that can be accumulated in the next 10-12 years. Thanks

Ans: Hello, wealth creation is possible if you have a decent chunk of your active money invested in the equity markets. By this I mean 40-50% of your active income should be parked in equities periodically.
While creating a portfolio, i stick to the basic funds such as mid caps, small caps, large and mid cap, multicap, consumption, value fund, etc
You can select any of the above categories with max of 2 funds in each category. No need to try something new which you don't understand.
With an SIP of 9K for the next 12 yrs @12% xirr, you can accumulate approx Rs28.7L

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Question by Ravi - Aug 03, 2024Hindi

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My name is Ravi Verma, and I'm a 37-year-old investor. I have been investing in the following mutual funds for the past year, with a monthly investment amount ranging between 60k-90k. I plan to continue these investments for the next 9 years, aiming to reach a goal of 1 crore+. Could you please review my portfolio and advise if any changes are required or if it's good to continue as is? Current SIPs (?8k-10k per month each): HSBC Small Cap Fund - Direct Plan - Growth Aditya Birla Sun Life PSU Equity Fund - Direct Plan - Growth HDFC Small Cap Fund - Direct Plan - Growth Quant Small Cap Fund - Direct Plan - Growth HDFC Balanced Advantage Fund - Direct Plan - Growth SBI Contra Fund - Direct Plan - Growth Nippon India Growth Fund - Direct Plan - Growth Quant ELSS Tax Saver Fund - Direct Plan - Growth HDFC Retirement Savings Fund - Equity - Direct Plan - Growth Equity - Index Fund: Tata Nifty Midcap 150 Momentum 50 Index Fund - Direct Plan - IDCW Groww Nifty Smallcap 250 Index Fund - Direct Plan - Growth Quant Multi Asset Fund - Direct Plan - Growth I don't have much knowledge in mutual funds; I chose these based on their past returns. I'm concerned about whether I'm on the right track or if any adjustments are necessary. Thank you for your guidance. Best regards, Ravi Verma

Ans: Hello Ravi & thanks for writing to me.

I see too many funds in your portfolio, which I believe can dilute your returns.

Given your age & objective, you may want to reconsider your investments in the Balanced Advantage Funds & Multi Asset Funds & instead start allocating to a multi cap fund.

I also notice investments in a PSU Equity Fund. While the PSU funds have given good returns recently, as thematic funds, you must not have a large chunk of your portfolio in them. Investing in thematic funds can generate alpha but thematic funds can also underperform.

If you can provide a percentage breakup of the investments, I may make other recommendations.

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Asked by Anonymous - Aug 31, 2025Hindi

Money

Hi Team Need your advise on my current investment portfolio where I invest upto 6400 0 monthly. Currently I am 43 years old and targeting my investment to 2 cr. Are my investment in the right track. Please advise. Scheme Name distributed across and current value at 12lakhs. Have I chosen the right investments Axis Midcap Fund Growth Kotak Multicap Fund Growth Tata Digital India Fund Growth Kotak Large Cap Fund Direct Growth Kotak Small Cap Fund Growth Tata Balanced Advantage Fund Growth ICICI Prudential Equity Savings Fund Growth UTI Multi Asset Allocation Fund Plan Growth Axis Midcap Direct Plan Growth Kotak Arbitrage Fund Growth Axis Large & Mid Cap Fund Direct Growth UTI Large & Mid Cap Fund Plan Growth Tata Digital India Fund Direct Growth Motilal Oswal Midcap Fund Direct Growth ICICI Prudential Equity & Debt Fund Growth Invesco India Largecap Fund Growth Nippon India Gold Savings Fund Direct Growth Kotak Manufacture in India Fund Growth Kotak Small Cap Fund Direct Growth Kotak Large Cap Fund Growth Axis Large & Mid Cap Fund Growth Nippon India Flexi Cap Fund Growth

Ans: Dear Friend,
At 43, you have built a corpus of ?12 lakh and are investing ?64,000 monthly with a target of ?2 crore. Your portfolio is spread across 20+ funds, with heavy overlap in midcap, smallcap, and largecap categories, along with sectoral and hybrid exposure. While diversification is good, excess duplication dilutes returns and adds complexity. You are overexposed to volatile mid/small caps and sectoral funds, while debt and hybrids are relatively underweighted. Simplifying into 6–7 quality funds—mixing large/flexicap, midcap, smallcap, balanced advantage, gold, and limited sectoral allocation—will provide better balance. With current investments, you are on track to cross ?3 crore in 15 years. Gradually shift part of equity into hybrid/debt after 50 and maintain an emergency buffer.
Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

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Asked by Anonymous - Oct 08, 2025Hindi

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Please review my portfolio, I'm 27 years old and I invest 45k SIP per month to below funds and live in own home for work. Parag parikh flexi cap: 15k, HDFC nifty 50 index: 8k, Motilal mid cap and Tata small cap: 11k each. I want to Focus on wealth generation to cover future needs and retirement for next 25 years with moderate risk appetite. I have put 5L as FD for emergency funds, 2L in corporate bonds and 1 lakh in liquid fund. Also if I can shift my index fund investment towards nippon india large cap fund and if need to rebalance my equity funds.

Ans: Hi,

You are doing good at your age. This dedication towards investment is so rare to be seen at your age.

Coming to your query, you are good with your emergency fund. Make sure you have your term & health insurance in place as well.

The funds you are investing in are good. And yes go for a large cap fund instead of index fund.

You can also consider doing a stepup to the value each year as it will help in beating inflation.

However you can consider investing in momentum funds as well - around 5k per month. It will be a good exposure to your portfolio.

Consider consulting a professional who can handle your portfolio and review it periodically to change with market volatility and your risk appetite. Outsourcing this will help you mentally and a professional's guidance after crossing 10 lakhs become mandatory to keep things in check.

Hence you can consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

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Hello Sir/Mam, Currently I'm investing in SIP as per below for the last 3 years, my goal is to achieve 2 crores by the next 10 years. Please suggest me if these MFs are good or any rebalancing is required. I'm planning to increase the SIP by 10% each year. Parag Parikh Flexi Cap - 5K Aditya Birla SF BAF - 2K SBI Large & Midcap - 5K Quant Small Cap - 3K SBI Gold Fund - Growth - 5K Canara Robeco Large cap - 5K Thanks.

Ans: Hello & thanks for writing to me.

Your portfolio is well-allocated across flexicap, large & midcap, small cap, BAF and gold, offering a balanced mix of growth, stability and diversification.

Given your 10-year horizon, keeping a higher allocation towards flexicap and large & midcap funds is appropriate, as these categories help manage volatility while still capturing long-term growth. The small-cap exposure adds additional long-term growth potential, while the Balanced Advantage Fund (BAF) provides stability through its dynamic asset allocation. Your gold allocation further supports diversification and can cushion the portfolio during equity market stress.

At this stage, no major rebalancing is needed. Since you plan to increase your SIPs by 10% every year, directing this additional amount mainly towards your flexicap or large & midcap fund will further strengthen the core of your portfolio over time.

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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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