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Advait Arora |1264 Answers |Ask -Follow

Financial Planner - Answered on Jun 23, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more

Question by Sushobhan on Jun 18, 2023Hindi

Money

My investment is in 1. Quant small cap fund direct plan growth, 2. SBI Magnum mid cap direct plan growth, 3. SBI Bluechip direct plan growth, 4. ICICI PRUDENTIAL bluechip fund and 5. Axis bluechip fund. My monthly investment is 2500 rs/month, Please suggest if any changes needed.

Ans: All are good. Numbers 3 /4/5 are very similar tho. you can merge them into only 2 such bluechip funds. always have direct plans only

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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Hi my name is vinit kumar My target is 1 crore in next 7 years . I am investing total 25000 per month . 12500 in ICICI Bluechip Fund - growth Prudential And 12500 in HDFC Mid-Cap Opportunities Fund - Growth. Do you suggest any changes

Ans: Hello Vinit. Your selected portfolio is well diversified and looks good. If you wish to build corpus of 1 Cr in next 7years, I would suggest to add-on with your current sip investments to 75 k to achieve your goal or you can add on some funds annually to reach to sip investments of 75 k. Also, I would recommend to add flexicap categories in your portfolio.

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Question by Mukesh - May 25, 2023Hindi

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I am investing 4000 per month each in: ICICI Pru Blue Chip Kotak Flexi Cap Mirae Asset Emerging Blue Chip Axis Blue Chip ICICI Pru MultiCap Fund Axis Multi Cap Franklin India Focused Equity Mirae Asset Focused ICICI Pru Multi Asset Kotak Emerging Equity Axis Mid Cap Nippon India Small Cap Kotak Small Cap Fund HDFC Index Sensex Plan (G) Tata Digital India Fund Kotak Small Cap ICICI Pru Value Discovery Fund Nippon Large Cap Please advise : SHould I continue or change?

Ans: so many schemes will not help you achieve any diversification
kindly stop and redeem some funds and the schemes that you can continue are mirae emerging kotak emerging axis mid and nippon small hdfc index fund and icici bluechip

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Question by Sk - Jun 03, 2023Hindi

Money

My investment is in 1. Quant active fund 2. SBI small cap fund. 3. Axis midcap fund. 4. Quant small cap fund 5. Quant tax plan. Please suggest if needed any change

Ans: Assuming that you have equal investments in all the five funds, then 60% of your investments are in one AMC which is a new one with not much of a track record. This is a big risk that you are taking by concentrating so much in one AMC. There are two more aspects of this risk:-
1. Quant works largely on momentum created by ‘quant’ factors which is a very risky strategy and I do not know whether it will be good for a long-term portfolio as it is a new way of managing entire funds.
2. I can also see that, because Quant funds have performed well in the near past, you have filled your portfolio with it. This too is risky since your portfolio will grow not based on pats returns but future ones. You need to do much more study for making a robust portfolio.

Last point is about the overall risk of your portfolio. Your 100% of the portfolio is of quant strategy funds and small-and-mid cap funds. Be very sure that you want your portfolio to take such a high risk.

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Hi Sir I have invested 1. Aditya Birla Flexi cap 1Lac. 2.Adity Birla PSU Fund- 1Lac. 3.ICICI Large &Mid Cap Fund - 1Lac. 4.ICICI Value Disc- 1Lac. 5.Nippon Growth Fund - 3 Lac. 6.Nippon Large Cap. -1 Lac. 7.Nippon Multi Cap -1Lac. 8.Nippon Pharma -1 Lac. 9.Nippon Power &Infra-1Lsc 10.Quant Active Fund -1lac. 11.Quant ELSS -1.5Lac 12.Quant Infra -1Lac 13Quant Mid Cap -1Lac 14 SBI Contra -1Lac 15.SBI Large &MidCap 1Lac (1 to 15 are Lumsum investment for 5 years or more) 1.Nippon Small Cap SIP- 10000. 2.Quant Small Cap SIP -10000 3.ICICI Nifty LargeMid Cap SIP - 10000. All investments have done in March &April 2024. Please advise.

Ans: You've built a diversified portfolio across various fund categories, which is good. However, it's also crucial to monitor and review your investments regularly. Given your investments' recency, it's essential to give them time to grow.

Consider consolidating similar funds to avoid redundancy, which could simplify tracking and reduce overlapping holdings. Given the number of funds, there might be overlapping sectors or stocks across schemes.

Regularly review the performance of each fund and its alignment with your financial goals. Consider rebalancing if any fund deviates significantly from its peers or your investment objectives. Consult a financial advisor for personalized advice tailored to your financial goals and risk tolerance.

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My daughter will complete her MSC Chemistry (IISER Bhopal) in April 2025, she wants to take admission in PhD from Germany or France, please tell me a university which provides 100% scholarship

Ans: Hello Rakesh,

To begin with, thank you for contacting us. I am happy to know that your daughter will be completing her MSC Chemistry after which she intends pursuing her PhD either from Germany or France. To answer your question first, I would like to tell you that there are a number of fully funded PhD opportunities in Germany and France. In Germany, your daughter can think about applying to the International Max Planck Research School (IMPRS) that provides fully financed PhD opportunities in numerous scientific subjects, including chemistry, or the DAAD Graduate Scholarships that offer monetary aid for overseas PhD students across fields. In France, PhD studies for exceptional overseas students are funded by the Eiffel Excellence Scholarship, and the CNRS Doctoral Contracts provides fully financed research opportunities in chemistry and other fields. Your daughter can look into these possibilities as well as check their official websites for the eligibility requirements.

For more information, you can visit our website: www.edwiseinternational.com

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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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